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Is now still a good time there for you? Oh, sounds good. Daniel, I do send a document to you so you can review that with me as we're going through things. Are you able to access your emails there currently? Yeah. That's okay. It's just only easier if you're able to see the document as I'm going through it. Otherwise, it can come across like I'm just talking at you, and it can be a lot. So just try to send that through. I've just sent the email. All good. How's the gardening going? Yeah. That's all good. Beautiful. Now just before I jump into the call and go through the advice with you, we do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here. Yep. Beautiful. Alright. Address. Yes. Sorry. Sorry. Your address. My apologies, Daniel. Lovely. No. No. You're absolutely fine. All good. Now has that email popped through to you there currently at all? Or yeah. That's the one. If you just press on that one for me, it'll take you through so you can view the document. I'll never ask you to sign anything you haven't read. It's just so you can see the document and run through it with me there. Okay. It should say statement of when you press sign request, it should go. So when you press I believe it says click to sign or sign here. Yeah. And then it should allow you to see the the front of the pay the front heading, a statement of advice. Yep. Yep. What does the next page look like or say? Yep. Perfect. For yourself with the 09/07/2026 on the front there. And on the bottom of that same page, you've got my authorized representative number. So I'm a licensed financial adviser through ASIC, and my registration number is 1304394. Okay? Beautiful. Excellent. I'll take you to the pages that we need to sort of touch on to make sure we're hitting everything, but then I'll let you go back so you can have some time to read it through as well prior to taking the advice. Okay? If I can move you down forward to the next page, you've got the best interest duty. That's just outlining that any advice we do provide is some sort of under the corporations act, and we have a fiduciary duty to make sure that we are working in your best interest, and that any advice that we do provide is to meeting look sorry. Working towards meeting your goals. Okay? Excellent. On page number three, we start with the scoping in and out. So these are areas that we are and are not looking at advice with regard to today. So, essentially, we were looking at superannuation, looking at readjusting the portfolio for you to remove any underperforming investments and make sure your super is working as hard as possible for you. One of your goals was that you were looking to retire as early as possible. You had a goal of working towards retirement at the age of 60, which is the earliest possible we can access super currently, and maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to. Does that still sound fairly appropriate to you? Is there any changes you would make to that? Fantastic. Excellent. We also have the estate planning side of things in here. Now, realistically, when we sort of spoke, your will and power of attorneys are all up to date and reflective of your wishes, and you do also have a nomination on your current life insurance policy and also your superannuation nominating Kylie in the event of anything happening to you. However, one of the things that we were looking at for you on your behalf was your TBD policy. So as we kinda went through, you do have a a harder definition, the activities of daily living sort of TBD policy. And so you do sort of agree for me to go back and have a look and make a recommendation around attempting to get a better definition of TBD, allowing you if in the event of being disabled or unable to go back to work ever again, making sure you have the best definitions possible to claim on that. So we've gone back and reassessed that for you, and I have been able to come up with an option. So, essentially, we are making a recommendation for life and TBD for you. And so I have scoped in the estate planning for the beneficiary nomination as whenever we recommend new super products or new life insurance products, that we also recommend attaching a beneficiary nominations that in line with your goals. Does that make sense? Do you have any questions so far? No? Beautiful. And then on the next page, you've got your life and TPD. So your goal there was that you were happy with the life cover level that you had. You were happy to retain the life cover. You were happy to review the t b dev TPD definition to determine whether it could be improved or provide any recommended changes in place to improve your better overall position. So I have gone back and looked at the life and the TPD cover and made a recommendation to make sure that you have the best TPD definitions, but also making a recommendation around life. We're retaining the same level of cover that you have, but just making sure you've got the best definitions as possible. And I've also looked at ways to try and save you a bit of money as well on those insurance premiums. Okay? Excellent. The next phase outlines anything that we're not providing advice around. So we've essentially scoped out the retirement income side of things. So now you are a lot younger. There's we're not able to, you know, project all the way to retirement at this particular stage. As you do get closer to retirement, we will look to scoping that and certainly provide more detailed advice in that area. But right now, we're just looking the next five to ten years to sort of look at how far we can put you in front and keep building on those goals for you. Okay? Excellent. And I've also scoped out the wills and the power of attorney and the beneficiary side of things on your a super policy sorry, on your super fund just because they were all in line with your wishes and so reflected correctly as per your Okay. Excellent. Now I'm gonna skip a couple of pages. If I can please ask you to scroll down for me, we're gonna head down to page number 15, and this is where the start of the recommendations do start. Beautiful. You're right. Yeah. You're on the phone. It might be a bit smaller there for you. Yeah. That's okay. Yep. Beautiful. Excellent. So this one here is the start of the recommendations around your super. So, essentially, I did go back and have a look at your super fund as well as all the others out there to see if you win the best possible product for the time being and what we could do to make sure we're replacing any underperforming investments and making your super work as hard as possible. But, also, you know, looking at ways to minimize the fees where possible and also mindful of the capital gains consequences. Because as we kind of went through before, just like you do a tax return every year, so does your super fund. Your super fund pays income tax and capital gains tax. So whenever we do make changes to your super fund, it is preferable to be mindful of that scenario and making sure that we're not, you know, eating away your super with capital gains tax and fees and things like that as well. So I did go back and have a look at everything and look at the research, and I've recommended that you do retain Hub twenty four. The platform is fine. There's actually a very good platform. It's one of the best ones out there, and it does have more than 1,100 different investment options to choose from when we are looking at switching investments. So pertaining to Superfund for now is still preferable. However, we are recommending that we do switch some investment options. I'll take you through those shortly so you can see the difference there. But I reviewed the portfolio you're in. You still wanted to be in a high growth environment, so taking a bit more risk in the market now to get greater potential returns. And given your time horizon, your risk capacity, that high growth portfolio still absolutely fits where you're at currently. But we wanted to make sure that we can look at any investments and update things as we work towards your retirement goals there. So we are recommending an investment switch for you and then just making sure that your employer contributions continue to go into Hub 24 on a regular basis, taking advantage of the dollar cost averaging and building on the the work that the portfolio can do on its own there as well. Okay? On that page, when you take some time to have a read, you'll notice it's got the best interest duty. All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially. Okay? I'm gonna skip a few more pages now. If you can scroll down, tell me the page number 18. The heading on this should be fee comparison, and it's a bit of a table. Yep. Yeah. You're fine. Yep. Beautiful. So this has got quite a lovely table here. The first column, which has your current scenario, shows your current hub twenty four super fund with your current balance there. Underneath that, you've got your administration fees, investment fees, our ongoing service fee for us looking after everything, your contributions going in, and then your current insurance premiums noted there as well. Underneath that in the investor profile, the second line from the bottom, it does actually know that you're in that high growth environment. And when we look at your current portfolio and how it has performed over the past five years, it's averaged about 4.28%, which is pretty dismal realistically. You're in a high growth environment. You wanna be getting a lot more out of you so far. So I've gone back and had a really good look. And with the recommended column there, you'll see there's no difference to the balance. So when I went back and looked at altering the portfolio, I actually noted that there's gonna be no CGT consequences. So as I mentioned, there are tax consequences within super, and your super fund does pay capital gains tax for buying and selling and switching investment options. So I was able to look at switching the investments and helping you to get more out of your super fund without any capital gains consequences, which is a benefit to you. There are no changes to the admin fees. That stays the same because it is hub 24, but you'll see the investment fees. So the newer portfolio fees. That's a benefit and advantage to the strategy. It's more money that stays in your portfolio, making it cheaper, and having that money stay in your portfolio compounding towards your goal. So I was really happy to be able to complete the switch, not have any capital gains consequences, but also reduce the cost of the portfolio, which is good. It's it's it's just very, very lucky. I was able to put together the portfolio and noted the the, you know, the reduction in fees and how it was only gonna benefit you. So very happy with that outcome thus far. Underneath that, the ongoing service fee, which for yourself is 1.65 percent, it does show that, obviously, we've factored in growth into the year, so there is a difference of a $141 there. And then you've got your net contributions going in. So this is your total contributions after fees, after the fifth so after the tax, the 15% tax that's deducted inside Super, and it shows how much you could expect for the year based on your income. And then your insurance premiums, and I'll take you through this shortly, but you'll notice a difference there. So I've actually made a recommendation which saves you just under $400 for the year in insurance premiums and provides you with a better definition of total permanent disability. Beautiful. And then underneath that, again, your investor profile shows that we're still keeping you within a high growth environment, still keeping, you know, your super working harder. However, the newer portfolio has shown a much greater past performance. It's averaged about 11.34% over the past five years. So coupling the past of the greater historical performance plus the saving in investment fees and no capital gains consequences, it just worked out definitely in your best interest to be able to switch these switch these investments and put you into this newer portfolio. Okay? Excellent. Underneath that, I know it is a bit small. I do apologize, but the the projection table below also has over the next five to ten years there. So your current scenario with the, you know, your current portfolio, if it's averaging 4.28% and the current fees, over the next five years, you could see it grow to just over 280,000 or over 308,000 in the next ten years. With this newer portfolio and the fee savings there, if it is to to be able to obtain this kind of growth over the next sort of five to ten years, you could see yourself in a much greater position, which puts you in a much greater position towards your retirement goals as well. Yeah. Beautiful. Do you have any questions so far? No? It it all absolutely is. That's correct. Yeah. It all absolutely is. I mean, essentially, we have to look at past performance to be able to determine what kind of performance the investment portfolio can obtain in the future because we don't know what's going to happen. And this is all based on, you know, past data and whatnot. But when we sort of look at, you know, portfolios and investments and how they have performed, we also look at the five year time horizon because we know in the last five years, there has been a lot of ups and downs and market volatility. So if a portfolio can essentially wade through the ups and downs over the past five years and still obtain a good 11% return, But then, theoretically, moving forward over the next sort of five to ten years, should it stay very similar market conditions, then it should be able to hold up and still obtain that kind of market return as well. In saying that, we could definitely see a downside. And in that high growth environment, that's why we don't like you to be in this high growth portfolio when you have less than eight years towards accessing CIVID because you are taking more risk to get those greater potential returns. However, in that high growth environment, we expect a negative return to be at least one in one in every five years. So we do know the risk level that you're taking, and we wanna make sure that as you get closer to accessing your super that we, you know, draw that risk level back a little bit. But for right now, you have that time horizon to do that. And I'm you know, I'll make sure that we review this portfolio with you every, say, six months to see how things are tracking and performing. And if there is anything flagging that we should maybe move you out of, it gives us an opportunity to update that advice nice and quickly for you as well. Okay? Does that make sense? Do you have any questions at all? No? Fantastic. If I can take you down to the next page, the page number 20, that might actually be the page after. My apologies. Page number 20. The heading is investments in red there. Beautiful. This is essentially showing you the changes that we wanna make to the portfolio there. So you'll see on the the first column has your hub twenty four super fund and all your different investments there. And the buy sell column is the one that we sort of focus on. So it's sort of showing you which investments we're gonna sell and how much we're gonna sell of those investments and then which ones we're gonna purchase into. And the last two columns show you your target weighting and how much you'll have in those individual investments once we complete the switch. So to kinda go through in in a nutshell and give you a bit of a rundown, we are selling all of the Benelon Australian equities. That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest. We're also going to sell off the Vanguard diversified index fund. We still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification. So we're gonna sell all the Vanguard diversified index investment down. With the cybersecurity, we are keeping that in. However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one. The battery and lithium tech has been a bit up and down this year. It is still a good investment, but we are selling that off completely. And the same thing with the MorningStar Global tech. So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well. Okay? Then we've got the iShares Europe. So this is giving you exposure to all 16 European countries, so giving you exposure to all the areas. So we wanna hold 9%, and it's giving you diversification across all of Europe. We also do wanna keep The US exposure to the S and P 500. We wanna hold 35% of the S and P 500. This is giving you exposure to the top 500 companies on The US market. You currently have 31.79%, so we'll buy a little bit more to keep that exposure and reweight it for you. We've got the iShares Asia. That one is going completely. Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it. There's low cost but also providing diversification. So we've been able to do that, which means we can sell all of this investment down for you. And then the VanEck China new economy. Unfortunately, China hasn't really performed the way we had hoped it would over the past couple of years, so we are completely selling that investment down for you. Okay? With the other buyers to rewrite your portfolio, we'll buy into the iShares Japanese. It's giving you exposure to the Japan market. It's a really great place to be exposed to and has had some great returns over the past. So we're gonna hold 5% of the Japanese market then. The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment. This is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there. But this is essentially holding exposure to the entire globe, which is fantastic, giving you greater diversification in both already established markets, but also up and coming markets and opportunities as well. Okay? We'll hold 8% of the All World x US investment. And then because we have gotten rid of the ban along Australian equities, we still wanna increase our holding into the Australian market. So as I kind of I'm not sure if I spoke to you and explained before, but Banna Long generally is a it's an actively managed fund, and they normally hold about 15 to 25 different investment options within their fund there. We're replacing that with the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. We wanna hold 25% of this investment, and it essentially is giving you greater diversification. Because instead of having 15 to 25 different companies on the ASX, you're getting exposure to the top 200. So it's building and growing on diversification, but it's also a low cost investment. It's also a really good dividend paying investment as well. So dividends are some of the highest, and it's those dividends are paid back to your cash account, which can be reinvested for compounding effect for you. Okay. Excellent. Gold. Yeah. You don't currently have any physical gold in your portfolio, so we do wanna hold some. Wanna hold about 7%. It has done really well over the past. Has been has has its up and down this year as well as everything else, but we do wanna hold some physical gold and keep holding physical gold for you. So 7% will be bought into your portfolio. Okay? And then you've got the iShares Core composite bond. So within the high growth environment, we still wanna hold some low risk defensive investments like bonds. They are good for income producing. They pay income into your cash account that gets redistributed across the compounding effect, but it's also about holding some defensive assets. So when, say, equities aren't doing so well, you do have gold, which can be a mitigator and act defensively, but core composite bonds also tend to do well, and defensive investments tend to do well when equity markets aren't performing as well. So we do wanna have a mix of growth plus defensive investments and holding physical goal, which is growth, but also acts defensively can assist you in that as well. That's essentially a quick breakdown of the investments. Do you have much? Any questions in relation to any of those? Did you want me to delve deeper into anything specific for you? It definitely isn't it? Yeah. All good. On the next page down, you are holding a bit over 5,000 in cash at the moment. So your portfolio does have a higher cash limit than what we'd like. We will just take a bit over 2,000 of that and reinvest it back into the portfolio. Realistically, we don't wanna hold more than 1.25% cash. And when I looked at things, your cash holding was a little bit high. So we'll just reinvest some of that money for you as well. Okay? Yeah. So, essentially, every month that does go through and do, like, a rebalance of the cash holdings. But sometimes in between that month, you might get more dividends or they may have held a little bit more cash than they needed because they were expecting more in the way of admin fees or something to come out with. So there could be a few different reasons there, but we just wanted to make sure that we reflect that and put that cash back in. It could also be that you've received a few additional contributions over the month. And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet. So there are times when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your portfolio. Yeah. Beautiful. Excellent. If I can get you to scroll down for me to page number 23, I'll take you through the insurance recommendations now. Beautiful. Now, essentially, one thing that we talked about was that you do have the current tower policy, which gives you life and TPD. You were happy with the level of life and TPD that you have, but the main thing was that you had an an an ADL definition. So activities of daily living definition of TPD, which if you remember back to our conversation, is much harder to claim on. You have to make certain certain definitions. They'd be unable to do generally two to three of the five activities of daily living, which makes claiming on TBD very hard. However, holding insurance is expensive, and that money premiums are coming out of your super, which has an effect on your retirement income. So we discussed about going back and looking at TBD and trying to get you a better definition. After going to the pre assessment, my team pre assessed it with the different insurers out there, and Zurich came back to be one of the better costings. And they came back noting that based on what they had, they were willing to offer TBD to you within any occupation definition. This just essentially means that in the event that you're unable to go back to work again, you just need to be unable to ever go back to work in any occupation for which you were educated or trained or have worked. So it is a much easier definition to claim on rather than ADL, albeit it is harder because they look at any occupation. However, you are more likely to claim on this rather than the ADL definition, if that makes sense. Yeah. So, essentially, I am making a recommendation that we do replace your current towel, life, and TBD with Zurich. It does mean you'll go through a new application to have this placed in force. We do expect when this comes to force that there will be a mental health exclusion. You do have a mental health exclusion on your current policy, which doesn't really make sense to me how an ADL policy can have a mental health exclusion, but they have applied it anyway. So that mental health exclusion based on your pre assessment is expected to be added to the newer policy as well. There was also some blood pressure that was noted. The insurers haven't come back noting that there could be anything, you know, with regard to the blood pressure, but they will assess your health. They may ask for additional tests, and they may request doctor's records as well just before they put the policy in force to confirm if there are any additional loadings or exclusions or altered terms that they would apply. If there is, they would come back to us first, but we just like to make sure that you're aware of the risks of doing so. But at the end of the day, as long as there's nothing that comes out, having this life and TBD, it's actually cheaper than what you're currently paying for, and it provides you with a greater level of cover of t TBD, which allows you to claim in the event of you being not able to go back to work again and meet you at any occupation definition. Does that make sense? Do you have any questions? Yeah. I absolutely. I think that's one of the biggest risks we have when it comes to insurances is that we hold the policy, we pay the premiums, and then we never actually claim on it. So we get to retirement, and we just, yeah, we just cancel it. We do have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something. Life cover, someone's passed away, TBD. You're never able to go back to work again and suffering a disability. So, yeah, it's one of those, yeah, one of those things. It's got some positives and some negatives to it, unfortunately. Yeah. Yeah. Absolutely. And so with that level of cover, we're keeping it at the 701,984, which is the current level of cover you have. That was the cover we discussed, and you came back and said that you were fairly comfortable with that level of cover. Does that still sound fairly accurate? Yep. Yep. Beautiful. Excellent. The current level of cover that you are paying for at the moment, I'm just going back up because I have it set. But the new cover, the yearly premium expected to be deducted out of super would be $1,390.59. You'll see on that page there, it's got $16.35. That's how much the insurer receives to the policy, but you do get a 15% discount when it is deducted out of super. Essentially, having a look at the cover you have at the moment, So your licensed TPD with TAL, you're currently paying it is $2,105.94. That's how much the insurer receives. How much you have paid out of super is about 1,790. So it's a much better definition, but it's also a cheaper policy, which is important. Yeah. Do you yeah. That's that's it. Do you have any questions in relations at at the moment, Daniel? No? That's okay. Beautiful. Again, I've got the best interest to do there for you. I have gone through a lot of the advantages, disadvantages, the risks involved, but you're welcome to take some time to read through those as well. Okay? That's okay. And then if you scroll down a little bit further for me, we're going down to page number 20 30 now. Yep. So this has got your current towel policy noted and how much you technically have paid for that for the year. Yeah. So how this would essentially work is if you decide to take on the recommendations, we'll start by simply doing the investment switch within super. That will all happen nice and easy in the background so we can sell off the old investments and purchase into the new ones for you, replacing any underperforming investments. And then we'll book you in to go through a new application with our admin team. They will go through the application for the Zurich policy. We'll keep the towel policy enforced so that you do have that level of protection whilst the application for Zurich is going through. Once the new policy is approved and the provider provides the terms, so long as they're acceptable and as per what we've noted here, then we can go forward and and cancel the towel policy. We would never cancel the towel policy prior to the Zurich policy being placed in force because we have to go through the underwriting. We obviously do the pre assessments with you and blind pre assessments with the insurers to look at the terms that might be offered, but it all does come to down to what the what they assess when it goes to the underwriting process. So we keep this as a backup policy until the new one is enforced, and then we go ahead and cancel this policy. To give you a little bit of peace of mind, once this policy is canceled, the insurers will go back and look at how much you have paid for the year on the policy, and they'll provide a refund pro rata and that goes back into your super fund. So you're not out of pocket for the year. They will refund you as pro rata there to make it easier, but it will also happen in after we get that Zurich policy placed in force there for you. Does that make sense? Yep. Beautiful. Obviously, having a look at the advantage of this one, it does save you about $399, which is great. Any saving that you can keep within your super fund is good. However, all insurance policies do get more expensive, so we wanna review these with you each year to make sure the cover remains in line with what you wanted to cover, but that's not eating away your super too much as well because, eventually, they do get very expensive. I have seen some people in their fifties and sixties holding TBD in life, and their their premiums are in within the 20 and $30,000 limit. So it's pretty horrendous how in expensive these can get over time. I know. So we will just make sure that that these premiums don't eat away all of your super. And the idea is you have a higher level of cover now. You've probably got more debt there, and your super balance is a little bit lower. So as your super balance increases, as our debt level decreases, we should be able to also decrease our insurance cover along with that as well. Okay. Excellent. And then the last recommendation for you is on page 33, and this is just making sure that with that new Zurich life policy, that we do have the binding non lapsing beneficiary nomination in place to make sure that Kylie is nominated that if in the event you were to pass away, along with your super being paid out, she can receive the life benefit paid out nice and easily as well. Okay. Beautiful. Easy. That is essentially majority of the recommendations. But do you have any questions in relation to any of that? Is there any questions, concerns, or anything you wanted me to kinda run through in more detail for you? Thank you. Thank you. Yeah. Beautiful. Mhmm. It'll be an insurance application. Essentially, if they do assess anything as possible with mental health, they tend to request doctor's records just to make sure that there's no and it's essentially bad, but suicide attempts and things like that noted. Those sorts of things do have a very big impact on the insurance application. So we'll start yeah. So we'll just start by going through the application with you with our team member. If the insurance application then gets submitted to Zurich, and then Zurich will they will request medical. So they get you to sign an authority, and they request the medical records from the doctors if they require any additional tests. So sometimes with things like high blood pressure or depending on what it is, they sometimes get a nurse to come and see you and take blood and or urine samples just so they can kind of get the test done if they need to have them updated. We don't really know what they're gonna expect out of that or whether any of that's gonna be required until we go through the application. But just based on my knowledge and understanding, once we go through the application, based on the mental health exclusion expected, they will request some doctor's reports just to have a look at your mental health records and see, you know, if an exclusion is suitable, if they find that, you know, they're sometimes they come back and go, hey. We're not gonna add the exclusion to standard base, but sometimes there is. So I just like to give you my, you know, worst case scenario. This is what I've assessed as based on everything, and then we'll go from there for you. But they don't always need, you know, extra tests and things like that. It all just comes down to how they assess it, and we try to keep in contact with them very regularly to make sure we what's happening, and you're welcome to let me know if you have questions or concerns. And then when they provide the offer of cover, it comes to us. If there's some terms that we're not comfortable with, I'll go back and ask and fight and see what I can do to assess that So long as everything comes back as per what we know here, there shouldn't be any problems, and we'll just place that in force there for you. Okay? Excellent. Yeah. Beautiful. Yeah. That's good. That's excellent. Beautiful. The excellent. The last thing I just wanted to show you just because I like to be full with my disclosure. On page number 37, we do outline the remuneration side of things. So it is really important that we open and let you know that we do receive remuneration from the insurer for writing insurance products. This has no reflection on why I've made the recommendation. I've made the recommendation because it's in your best interest and because it gives you a better level of TBD. However, we will receive 66% of the first year's premium from the insurer, not from you, and 22%, they're ongoing as well. Just we just disclosed that so you're fully aware. Okay? Yeah. Well, it's only a very small amount based on the premiums because I wanted to reduce the premiums and make it as cheap as possible for you. But, essentially, it's about a thousand dollars upfront, a thousand and 80 for the first year, and then about $360 ongoing based on the the projected ongoing premium there. So not a huge amount, but it's, you know, it's standard across the board there. So we just wanna make sure we disclose that to you, essentially. Okay? Excellent. Beautiful. Do you have any questions or anything you wanted me to kinda go through in more detail for you? No? Beautiful. Lovely. Well, you're welcome to take it back and have a read through the document there. If you do find you have any questions, you're welcome to let me know. And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as well. Okay? Yep. Beautiful. Thank you so much for your time this afternoon, Daniel. I really appreciate it. No worries. Well, I I will let you go to enjoy your afternoon. And, yeah, I'll talk to you very soon. Thanks, Daniel. My pleasure. See you later. 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Daniel. This is Dana from OQ Financial. How are you this afternoon? Okay. I'm very well.\n\nThank you. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Oh, sounds good. Daniel, I do send a document to you so you can review that with me as we're going through things.\n\nAre you able to access your emails there currently? Yeah. That's okay. It's just only easier if you're able to see the document as I'm going through it. Otherwise, it can come across like I'm just talking at you, and it can be a lot.\n\nSo just try to send that through. I've just sent the email. All good. How's the gardening going? Yeah.\n\nThat's all good. Beautiful. Now just before I jump into the call and go through the advice with you, we do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here. Yep. Beautiful. Alright. Address.\n\nYes. Sorry. Sorry. Your address. My apologies, Daniel.\n\nLovely. No. No. You're absolutely fine. All good.\n\nNow has that email popped through to you there currently at all? Or yeah. That's the one. If you just press on that one for me, it'll take you through so you can view the document. I'll never ask you to sign anything you haven't read.\n\nIt's just so you can see the document and run through it with me there. Okay. It should say statement of when you press sign request, it should go. So when you press I believe it says click to sign or sign here. Yeah.\n\nAnd then it should allow you to see the the front of the pay the front heading, a statement of advice. Yep. Yep. What does the next page look like or say? Yep.\n\nPerfect. For yourself with the 09/07/2026 on the front there. And on the bottom of that same page, you've got my authorized representative number. So I'm a licensed financial adviser through ASIC, and my registration number is 1304394. Okay?\n\nBeautiful. Excellent. I'll take you to the pages that we need to sort of touch on to make sure we're hitting everything, but then I'll let you go back so you can have some time to read it through as well prior to taking the advice. Okay? If I can move you down forward to the next page, you've got the best interest duty.\n\nThat's just outlining that any advice we do provide is some sort of under the corporations act, and we have a fiduciary duty to make sure that we are working in your best interest, and that any advice that we do provide is to meeting look sorry. Working towards meeting your goals. Okay? Excellent. On page number three, we start with the scoping in and out.\n\nSo these are areas that we are and are not looking at advice with regard to today. So, essentially, we were looking at superannuation, looking at readjusting the portfolio for you to remove any underperforming investments and make sure your super is working as hard as possible for you. One of your goals was that you were looking to retire as early as possible. You had a goal of working towards retirement at the age of 60, which is the earliest possible we can access super currently, and maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to. Does that still sound fairly appropriate to you?\n\nIs there any changes you would make to that? Fantastic. Excellent. We also have the estate planning side of things in here. Now, realistically, when we sort of spoke, your will and power of attorneys are all up to date and reflective of your wishes, and you do also have a nomination on your current life insurance policy and also your superannuation nominating Kylie in the event of anything happening to you.\n\nHowever, one of the things that we were looking at for you on your behalf was your TBD policy. So as we kinda went through, you do have a a harder definition, the activities of daily living sort of TBD policy. And so you do sort of agree for me to go back and have a look and make a recommendation around attempting to get a better definition of TBD, allowing you if in the event of being disabled or unable to go back to work ever again, making sure you have the best definitions possible to claim on that. So we've gone back and reassessed that for you, and I have been able to come up with an option. So, essentially, we are making a recommendation for life and TBD for you.\n\nAnd so I have scoped in the estate planning for the beneficiary nomination as whenever we recommend new super products or new life insurance products, that we also recommend attaching a beneficiary nominations that in line with your goals. Does that make sense? Do you have any questions so far? No? Beautiful.\n\nAnd then on the next page, you've got your life and TPD. So your goal there was that you were happy with the life cover level that you had. You were happy to retain the life cover. You were happy to review the t b dev TPD definition to determine whether it could be improved or provide any recommended changes in place to improve your better overall position. So I have gone back and looked at the life and the TPD cover and made a recommendation to make sure that you have the best TPD definitions, but also making a recommendation around life.\n\nWe're retaining the same level of cover that you have, but just making sure you've got the best definitions as possible. And I've also looked at ways to try and save you a bit of money as well on those insurance premiums. Okay? Excellent. The next phase outlines anything that we're not providing advice around.\n\nSo we've essentially scoped out the retirement income side of things. So now you are a lot younger. There's we're not able to, you know, project all the way to retirement at this particular stage. As you do get closer to retirement, we will look to scoping that and certainly provide more detailed advice in that area. But right now, we're just looking the next five to ten years to sort of look at how far we can put you in front and keep building on those goals for you.\n\nOkay? Excellent. And I've also scoped out the wills and the power of attorney and the beneficiary side of things on your a super policy sorry, on your super fund just because they were all in line with your wishes and so reflected correctly as per your Okay. Excellent. Now I'm gonna skip a couple of pages.\n\nIf I can please ask you to scroll down for me, we're gonna head down to page number 15, and this is where the start of the recommendations do start. Beautiful. You're right. Yeah. You're on the phone.\n\nIt might be a bit smaller there for you. Yeah. That's okay. Yep. Beautiful.\n\nExcellent. So this one here is the start of the recommendations around your super. So, essentially, I did go back and have a look at your super fund as well as all the others out there to see if you win the best possible product for the time being and what we could do to make sure we're replacing any underperforming investments and making your super work as hard as possible. But, also, you know, looking at ways to minimize the fees where possible and also mindful of the capital gains consequences. Because as we kind of went through before, just like you do a tax return every year, so does your super fund.\n\nYour super fund pays income tax and capital gains tax. So whenever we do make changes to your super fund, it is preferable to be mindful of that scenario and making sure that we're not, you know, eating away your super with capital gains tax and fees and things like that as well. So I did go back and have a look at everything and look at the research, and I've recommended that you do retain Hub twenty four. The platform is fine. There's actually a very good platform.\n\nIt's one of the best ones out there, and it does have more than 1,100 different investment options to choose from when we are looking at switching investments. So pertaining to Superfund for now is still preferable. However, we are recommending that we do switch some investment options. I'll take you through those shortly so you can see the difference there. But I reviewed the portfolio you're in.\n\nYou still wanted to be in a high growth environment, so taking a bit more risk in the market now to get greater potential returns. And given your time horizon, your risk capacity, that high growth portfolio still absolutely fits where you're at currently. But we wanted to make sure that we can look at any investments and update things as we work towards your retirement goals there. So we are recommending an investment switch for you and then just making sure that your employer contributions continue to go into Hub 24 on a regular basis, taking advantage of the dollar cost averaging and building on the the work that the portfolio can do on its own there as well. Okay?\n\nOn that page, when you take some time to have a read, you'll notice it's got the best interest duty. All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially. Okay? I'm gonna skip a few more pages now. If you can scroll down, tell me the page number 18.\n\nThe heading on this should be fee comparison, and it's a bit of a table. Yep. Yeah. You're fine. Yep.\n\nBeautiful. So this has got quite a lovely table here. The first column, which has your current scenario, shows your current hub twenty four super fund with your current balance there. Underneath that, you've got your administration fees, investment fees, our ongoing service fee for us looking after everything, your contributions going in, and then your current insurance premiums noted there as well. Underneath that in the investor profile, the second line from the bottom, it does actually know that you're in that high growth environment.\n\nAnd when we look at your current portfolio and how it has performed over the past five years, it's averaged about 4.28%, which is pretty dismal realistically. You're in a high growth environment. You wanna be getting a lot more out of you so far. So I've gone back and had a really good look. And with the recommended column there, you'll see there's no difference to the balance.\n\nSo when I went back and looked at altering the portfolio, I actually noted that there's gonna be no CGT consequences. So as I mentioned, there are tax consequences within super, and your super fund does pay capital gains tax for buying and selling and switching investment options. So I was able to look at switching the investments and helping you to get more out of your super fund without any capital gains consequences, which is a benefit to you. There are no changes to the admin fees. That stays the same because it is hub 24, but you'll see the investment fees.\n\nSo the newer portfolio fees. That's a benefit and advantage to the strategy. It's more money that stays in your portfolio, making it cheaper, and having that money stay in your portfolio compounding towards your goal. So I was really happy to be able to complete the switch, not have any capital gains consequences, but also reduce the cost of the portfolio, which is good. It's it's it's just very, very lucky.\n\nI was able to put together the portfolio and noted the the, you know, the reduction in fees and how it was only gonna benefit you. So very happy with that outcome thus far. Underneath that, the ongoing service fee, which for yourself is 1.65 percent, it does show that, obviously, we've factored in growth into the year, so there is a difference of a $141 there. And then you've got your net contributions going in. So this is your total contributions after fees, after the fifth so after the tax, the 15% tax that's deducted inside Super, and it shows how much you could expect for the year based on your income.\n\nAnd then your insurance premiums, and I'll take you through this shortly, but you'll notice a difference there. So I've actually made a recommendation which saves you just under $400 for the year in insurance premiums and provides you with a better definition of total permanent disability. Beautiful. And then underneath that, again, your investor profile shows that we're still keeping you within a high growth environment, still keeping, you know, your super working harder. However, the newer portfolio has shown a much greater past performance.\n\nIt's averaged about 11.34% over the past five years. So coupling the past of the greater historical performance plus the saving in investment fees and no capital gains consequences, it just worked out definitely in your best interest to be able to switch these switch these investments and put you into this newer portfolio. Okay? Excellent. Underneath that, I know it is a bit small.\n\nI do apologize, but the the projection table below also has over the next five to ten years there. So your current scenario with the, you know, your current portfolio, if it's averaging 4.28% and the current fees, over the next five years, you could see it grow to just over 280,000 or over 308,000 in the next ten years. With this newer portfolio and the fee savings there, if it is to to be able to obtain this kind of growth over the next sort of five to ten years, you could see yourself in a much greater position, which puts you in a much greater position towards your retirement goals as well. Yeah. Beautiful.\n\nDo you have any questions so far? No? It it all absolutely is. That's correct. Yeah.\n\nIt all absolutely is. I mean, essentially, we have to look at past performance to be able to determine what kind of performance the investment portfolio can obtain in the future because we don't know what's going to happen. And this is all based on, you know, past data and whatnot. But when we sort of look at, you know, portfolios and investments and how they have performed, we also look at the five year time horizon because we know in the last five years, there has been a lot of ups and downs and market volatility. So if a portfolio can essentially wade through the ups and downs over the past five years and still obtain a good 11% return, But then, theoretically, moving forward over the next sort of five to ten years, should it stay very similar market conditions, then it should be able to hold up and still obtain that kind of market return as well.\n\nIn saying that, we could definitely see a downside. And in that high growth environment, that's why we don't like you to be in this high growth portfolio when you have less than eight years towards accessing CIVID because you are taking more risk to get those greater potential returns. However, in that high growth environment, we expect a negative return to be at least one in one in every five years. So we do know the risk level that you're taking, and we wanna make sure that as you get closer to accessing your super that we, you know, draw that risk level back a little bit. But for right now, you have that time horizon to do that.\n\nAnd I'm you know, I'll make sure that we review this portfolio with you every, say, six months to see how things are tracking and performing. And if there is anything flagging that we should maybe move you out of, it gives us an opportunity to update that advice nice and quickly for you as well. Okay? Does that make sense? Do you have any questions at all?\n\nNo? Fantastic. If I can take you down to the next page, the page number 20, that might actually be the page after. My apologies. Page number 20.\n\nThe heading is investments in red there. Beautiful. This is essentially showing you the changes that we wanna make to the portfolio there. So you'll see on the the first column has your hub twenty four super fund and all your different investments there. And the buy sell column is the one that we sort of focus on.\n\nSo it's sort of showing you which investments we're gonna sell and how much we're gonna sell of those investments and then which ones we're gonna purchase into. And the last two columns show you your target weighting and how much you'll have in those individual investments once we complete the switch. So to kinda go through in in a nutshell and give you a bit of a rundown, we are selling all of the Benelon Australian equities. That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest. We're also going to sell off the Vanguard diversified index fund.\n\nWe still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification. So we're gonna sell all the Vanguard diversified index investment down. With the cybersecurity, we are keeping that in. However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one. The battery and lithium tech has been a bit up and down this year.\n\nIt is still a good investment, but we are selling that off completely. And the same thing with the MorningStar Global tech. So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well. Okay? Then we've got the iShares Europe.\n\nSo this is giving you exposure to all 16 European countries, so giving you exposure to all the areas. So we wanna hold 9%, and it's giving you diversification across all of Europe. We also do wanna keep The US exposure to the S and P 500. We wanna hold 35% of the S and P 500. This is giving you exposure to the top 500 companies on The US market.\n\nYou currently have 31.79%, so we'll buy a little bit more to keep that exposure and reweight it for you. We've got the iShares Asia. That one is going completely. Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it. There's low cost but also providing diversification.\n\nSo we've been able to do that, which means we can sell all of this investment down for you. And then the VanEck China new economy. Unfortunately, China hasn't really performed the way we had hoped it would over the past couple of years, so we are completely selling that investment down for you. Okay? With the other buyers to rewrite your portfolio, we'll buy into the iShares Japanese.\n\nIt's giving you exposure to the Japan market. It's a really great place to be exposed to and has had some great returns over the past. So we're gonna hold 5% of the Japanese market then. The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment. This is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there.\n\nBut this is essentially holding exposure to the entire globe, which is fantastic, giving you greater diversification in both already established markets, but also up and coming markets and opportunities as well. Okay? We'll hold 8% of the All World x US investment. And then because we have gotten rid of the ban along Australian equities, we still wanna increase our holding into the Australian market. So as I kind of I'm not sure if I spoke to you and explained before, but Banna Long generally is a it's an actively managed fund, and they normally hold about 15 to 25 different investment options within their fund there.\n\nWe're replacing that with the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. We wanna hold 25% of this investment, and it essentially is giving you greater diversification. Because instead of having 15 to 25 different companies on the ASX, you're getting exposure to the top 200. So it's building and growing on diversification, but it's also a low cost investment.\n\nIt's also a really good dividend paying investment as well. So dividends are some of the highest, and it's those dividends are paid back to your cash account, which can be reinvested for compounding effect for you. Okay. Excellent. Gold.\n\nYeah. You don't currently have any physical gold in your portfolio, so we do wanna hold some. Wanna hold about 7%. It has done really well over the past. Has been has has its up and down this year as well as everything else, but we do wanna hold some physical gold and keep holding physical gold for you.\n\nSo 7% will be bought into your portfolio. Okay? And then you've got the iShares Core composite bond. So within the high growth environment, we still wanna hold some low risk defensive investments like bonds. They are good for income producing.\n\nThey pay income into your cash account that gets redistributed across the compounding effect, but it's also about holding some defensive assets. So when, say, equities aren't doing so well, you do have gold, which can be a mitigator and act defensively, but core composite bonds also tend to do well, and defensive investments tend to do well when equity markets aren't performing as well. So we do wanna have a mix of growth plus defensive investments and holding physical goal, which is growth, but also acts defensively can assist you in that as well. That's essentially a quick breakdown of the investments. Do you have much?\n\nAny questions in relation to any of those? Did you want me to delve deeper into anything specific for you? It definitely isn't it? Yeah. All good.\n\nOn the next page down, you are holding a bit over 5,000 in cash at the moment. So your portfolio does have a higher cash limit than what we'd like. We will just take a bit over 2,000 of that and reinvest it back into the portfolio. Realistically, we don't wanna hold more than 1.25% cash. And when I looked at things, your cash holding was a little bit high.\n\nSo we'll just reinvest some of that money for you as well. Okay? Yeah. So, essentially, every month that does go through and do, like, a rebalance of the cash holdings. But sometimes in between that month, you might get more dividends or they may have held a little bit more cash than they needed because they were expecting more in the way of admin fees or something to come out with.\n\nSo there could be a few different reasons there, but we just wanted to make sure that we reflect that and put that cash back in. It could also be that you've received a few additional contributions over the month. And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet. So there are times when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your portfolio. Yeah.\n\nBeautiful. Excellent. If I can get you to scroll down for me to page number 23, I'll take you through the insurance recommendations now. Beautiful. Now, essentially, one thing that we talked about was that you do have the current tower policy, which gives you life and TPD.\n\nYou were happy with the level of life and TPD that you have, but the main thing was that you had an an an ADL definition. So activities of daily living definition of TPD, which if you remember back to our conversation, is much harder to claim on. You have to make certain certain definitions. They'd be unable to do generally two to three of the five activities of daily living, which makes claiming on TBD very hard. However, holding insurance is expensive, and that money premiums are coming out of your super, which has an effect on your retirement income.\n\nSo we discussed about going back and looking at TBD and trying to get you a better definition. After going to the pre assessment, my team pre assessed it with the different insurers out there, and Zurich came back to be one of the better costings. And they came back noting that based on what they had, they were willing to offer TBD to you within any occupation definition. This just essentially means that in the event that you're unable to go back to work again, you just need to be unable to ever go back to work in any occupation for which you were educated or trained or have worked. So it is a much easier definition to claim on rather than ADL, albeit it is harder because they look at any occupation.\n\nHowever, you are more likely to claim on this rather than the ADL definition, if that makes sense. Yeah. So, essentially, I am making a recommendation that we do replace your current towel, life, and TBD with Zurich. It does mean you'll go through a new application to have this placed in force. We do expect when this comes to force that there will be a mental health exclusion.\n\nYou do have a mental health exclusion on your current policy, which doesn't really make sense to me how an ADL policy can have a mental health exclusion, but they have applied it anyway. So that mental health exclusion based on your pre assessment is expected to be added to the newer policy as well. There was also some blood pressure that was noted. The insurers haven't come back noting that there could be anything, you know, with regard to the blood pressure, but they will assess your health. They may ask for additional tests, and they may request doctor's records as well just before they put the policy in force to confirm if there are any additional loadings or exclusions or altered terms that they would apply.\n\nIf there is, they would come back to us first, but we just like to make sure that you're aware of the risks of doing so. But at the end of the day, as long as there's nothing that comes out, having this life and TBD, it's actually cheaper than what you're currently paying for, and it provides you with a greater level of cover of t TBD, which allows you to claim in the event of you being not able to go back to work again and meet you at any occupation definition. Does that make sense? Do you have any questions? Yeah.\n\nI absolutely. I think that's one of the biggest risks we have when it comes to insurances is that we hold the policy, we pay the premiums, and then we never actually claim on it. So we get to retirement, and we just, yeah, we just cancel it. We do have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something. Life cover, someone's passed away, TBD.\n\nYou're never able to go back to work again and suffering a disability. So, yeah, it's one of those, yeah, one of those things. It's got some positives and some negatives to it, unfortunately. Yeah. Yeah.\n\nAbsolutely. And so with that level of cover, we're keeping it at the 701,984, which is the current level of cover you have. That was the cover we discussed, and you came back and said that you were fairly comfortable with that level of cover. Does that still sound fairly accurate? Yep.\n\nYep. Beautiful. Excellent. The current level of cover that you are paying for at the moment, I'm just going back up because I have it set. But the new cover, the yearly premium expected to be deducted out of super would be $1,390.59.\n\nYou'll see on that page there, it's got $16.35. That's how much the insurer receives to the policy, but you do get a 15% discount when it is deducted out of super. Essentially, having a look at the cover you have at the moment, So your licensed TPD with TAL, you're currently paying it is $2,105.94. That's how much the insurer receives. How much you have paid out of super is about 1,790.\n\nSo it's a much better definition, but it's also a cheaper policy, which is important. Yeah. Do you yeah. That's that's it. Do you have any questions in relations at at the moment, Daniel?\n\nNo? That's okay. Beautiful. Again, I've got the best interest to do there for you. I have gone through a lot of the advantages, disadvantages, the risks involved, but you're welcome to take some time to read through those as well.\n\nOkay? That's okay. And then if you scroll down a little bit further for me, we're going down to page number 20 30 now. Yep. So this has got your current towel policy noted and how much you technically have paid for that for the year.\n\nYeah. So how this would essentially work is if you decide to take on the recommendations, we'll start by simply doing the investment switch within super. That will all happen nice and easy in the background so we can sell off the old investments and purchase into the new ones for you, replacing any underperforming investments. And then we'll book you in to go through a new application with our admin team. They will go through the application for the Zurich policy.\n\nWe'll keep the towel policy enforced so that you do have that level of protection whilst the application for Zurich is going through. Once the new policy is approved and the provider provides the terms, so long as they're acceptable and as per what we've noted here, then we can go forward and and cancel the towel policy. We would never cancel the towel policy prior to the Zurich policy being placed in force because we have to go through the underwriting. We obviously do the pre assessments with you and blind pre assessments with the insurers to look at the terms that might be offered, but it all does come to down to what the what they assess when it goes to the underwriting process. So we keep this as a backup policy until the new one is enforced, and then we go ahead and cancel this policy.\n\nTo give you a little bit of peace of mind, once this policy is canceled, the insurers will go back and look at how much you have paid for the year on the policy, and they'll provide a refund pro rata and that goes back into your super fund. So you're not out of pocket for the year. They will refund you as pro rata there to make it easier, but it will also happen in after we get that Zurich policy placed in force there for you. Does that make sense? Yep.\n\nBeautiful. Obviously, having a look at the advantage of this one, it does save you about $399, which is great. Any saving that you can keep within your super fund is good. However, all insurance policies do get more expensive, so we wanna review these with you each year to make sure the cover remains in line with what you wanted to cover, but that's not eating away your super too much as well because, eventually, they do get very expensive. I have seen some people in their fifties and sixties holding TBD in life, and their their premiums are in within the 20 and $30,000 limit.\n\nSo it's pretty horrendous how in expensive these can get over time. I know. So we will just make sure that that these premiums don't eat away all of your super. And the idea is you have a higher level of cover now. You've probably got more debt there, and your super balance is a little bit lower.\n\nSo as your super balance increases, as our debt level decreases, we should be able to also decrease our insurance cover along with that as well. Okay. Excellent. And then the last recommendation for you is on page 33, and this is just making sure that with that new Zurich life policy, that we do have the binding non lapsing beneficiary nomination in place to make sure that Kylie is nominated that if in the event you were to pass away, along with your super being paid out, she can receive the life benefit paid out nice and easily as well. Okay.\n\nBeautiful. Easy. That is essentially majority of the recommendations. But do you have any questions in relation to any of that? Is there any questions, concerns, or anything you wanted me to kinda run through in more detail for you?\n\nThank you. Thank you. Yeah. Beautiful. Mhmm.\n\nIt'll be an insurance application. Essentially, if they do assess anything as possible with mental health, they tend to request doctor's records just to make sure that there's no and it's essentially bad, but suicide attempts and things like that noted. Those sorts of things do have a very big impact on the insurance application. So we'll start yeah. So we'll just start by going through the application with you with our team member.\n\nIf the insurance application then gets submitted to Zurich, and then Zurich will they will request medical. So they get you to sign an authority, and they request the medical records from the doctors if they require any additional tests. So sometimes with things like high blood pressure or depending on what it is, they sometimes get a nurse to come and see you and take blood and or urine samples just so they can kind of get the test done if they need to have them updated. We don't really know what they're gonna expect out of that or whether any of that's gonna be required until we go through the application. But just based on my knowledge and understanding, once we go through the application, based on the mental health exclusion expected, they will request some doctor's reports just to have a look at your mental health records and see, you know, if an exclusion is suitable, if they find that, you know, they're sometimes they come back and go, hey.\n\nWe're not gonna add the exclusion to standard base, but sometimes there is. So I just like to give you my, you know, worst case scenario. This is what I've assessed as based on everything, and then we'll go from there for you. But they don't always need, you know, extra tests and things like that. It all just comes down to how they assess it, and we try to keep in contact with them very regularly to make sure we what's happening, and you're welcome to let me know if you have questions or concerns.\n\nAnd then when they provide the offer of cover, it comes to us. If there's some terms that we're not comfortable with, I'll go back and ask and fight and see what I can do to assess that So long as everything comes back as per what we know here, there shouldn't be any problems, and we'll just place that in force there for you. Okay? Excellent. Yeah.\n\nBeautiful. Yeah. That's good. That's excellent. Beautiful.\n\nThe excellent. The last thing I just wanted to show you just because I like to be full with my disclosure. On page number 37, we do outline the remuneration side of things. So it is really important that we open and let you know that we do receive remuneration from the insurer for writing insurance products. This has no reflection on why I've made the recommendation.\n\nI've made the recommendation because it's in your best interest and because it gives you a better level of TBD. However, we will receive 66% of the first year's premium from the insurer, not from you, and 22%, they're ongoing as well. Just we just disclosed that so you're fully aware. Okay? Yeah.\n\nWell, it's only a very small amount based on the premiums because I wanted to reduce the premiums and make it as cheap as possible for you. But, essentially, it's about a thousand dollars upfront, a thousand and 80 for the first year, and then about $360 ongoing based on the the projected ongoing premium there. So not a huge amount, but it's, you know, it's standard across the board there. So we just wanna make sure we disclose that to you, essentially. Okay?\n\nExcellent. Beautiful. Do you have any questions or anything you wanted me to kinda go through in more detail for you? No? Beautiful.\n\nLovely. Well, you're welcome to take it back and have a read through the document there. If you do find you have any questions, you're welcome to let me know. And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as well. Okay?\n\nYep. Beautiful. Thank you so much for your time this afternoon, Daniel. I really appreciate it. No worries.\n\nWell, I I will let you go to enjoy your afternoon. And, yeah, I'll talk to you very soon. Thanks, Daniel. My pleasure. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Daniel.","start":4.88,"end":5.52,"sentiment":"neutral","sentiment_score":0.1353551670908928},{"text":"This is Dana from OQ Financial.","start":5.52,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.18468351662158966},{"text":"How are you this afternoon?","start":7.3599997,"end":8.5,"sentiment":"neutral","sentiment_score":0.2733167350292206},{"text":"Okay.","start":10.24,"end":10.719999,"sentiment":"positive","sentiment_score":0.39184921979904175},{"text":"I'm very well.","start":10.719999,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6029388308525085}],"sentiment":"neutral","sentiment_score":0.29094475420082316,"num_words":17,"start":4.88,"end":11.5199995},{"sentences":[{"text":"Thank you.","start":11.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.7217763364315033},{"text":"I had you booked in to go through your updated statement of advice.","start":11.92,"end":14.445,"sentiment":"neutral","sentiment_score":0.32310717839461106},{"text":"Is now still a good time there for you?","start":14.445,"end":16.384998,"sentiment":"neutral","sentiment_score":0.28364908198515576},{"text":"Oh, sounds good.","start":19.005,"end":22.705,"sentiment":"neutral","sentiment_score":0.21372395319243273},{"text":"Daniel, I do send a document to you so you can review that with me as we're going through things.","start":23.005,"end":28.204998,"sentiment":"neutral","sentiment_score":0.10685410015285016}],"sentiment":"neutral","sentiment_score":0.23351152324454583,"num_words":47,"start":11.5199995,"end":28.204998},{"sentences":[{"text":"Are you able to access your emails there currently?","start":28.204998,"end":30.61,"sentiment":"neutral","sentiment_score":0.030595102450913854},{"text":"Yeah.","start":33.63,"end":33.95,"sentiment":"neutral","sentiment_score":0.09236891567707062},{"text":"That's okay.","start":33.95,"end":34.59,"sentiment":"neutral","sentiment_score":0.14744603633880615},{"text":"It's just only easier if you're able to see the document as I'm going through it.","start":34.59,"end":38.19,"sentiment":"neutral","sentiment_score":0.15647245710715652},{"text":"Otherwise, it can come across like I'm just talking at you, and it can be a lot.","start":38.19,"end":41.955,"sentiment":"neutral","sentiment_score":-0.029009182006120682}],"sentiment":"neutral","sentiment_score":0.05940044733385245,"num_words":45,"start":28.204998,"end":41.955},{"sentences":[{"text":"So just try to send that through.","start":42.275,"end":45.735,"sentiment":"neutral","sentiment_score":0.07765891935144152},{"text":"I've just sent the email.","start":46.755,"end":48.375,"sentiment":"neutral","sentiment_score":0.14831805229187012},{"text":"All good.","start":49.075,"end":49.815002,"sentiment":"neutral","sentiment_score":0.3241107761859894},{"text":"How's the gardening going?","start":52.275,"end":53.895,"sentiment":"neutral","sentiment_score":0.08096526749432087},{"text":"Yeah.","start":56.94,"end":57.44,"sentiment":"neutral","sentiment_score":0.16057270765304563}],"sentiment":"neutral","sentiment_score":0.12725568562746048,"num_words":19,"start":42.275,"end":57.44},{"sentences":[{"text":"That's all good.","start":59.1,"end":60.24,"sentiment":"positive","sentiment_score":0.4720187485218048},{"text":"Beautiful.","start":61.18,"end":61.68,"sentiment":"positive","sentiment_score":0.5584118366241455},{"text":"Now just before I jump into the call and go through the advice with you, we do have to let you know we do record our calls for quality and training purposes.","start":61.9,"end":68.06,"sentiment":"neutral","sentiment_score":0.10976583161391318},{"text":"Are you happy for me to proceed with that?","start":68.06,"end":69.975,"sentiment":"neutral","sentiment_score":0.14082353893253538},{"text":"Fantastic.","start":71.255,"end":71.755,"sentiment":"positive","sentiment_score":0.3939269781112671}],"sentiment":"neutral","sentiment_score":0.15539812005084494,"num_words":46,"start":59.1,"end":71.755},{"sentences":[{"text":"And just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here.","start":72.215,"end":77.755,"sentiment":"neutral","sentiment_score":0.15188052654266357},{"text":"Yep.","start":79.655,"end":80.155,"sentiment":"neutral","sentiment_score":0.020849797874689106},{"text":"Beautiful.","start":83.895,"end":84.395,"sentiment":"neutral","sentiment_score":0.112675778567791},{"text":"Alright.","start":85.1,"end":85.6,"sentiment":"neutral","sentiment_score":0.0002295542508363724},{"text":"Address.","start":85.9,"end":86.4,"sentiment":"neutral","sentiment_score":-0.005935102701187134}],"sentiment":"neutral","sentiment_score":0.13533907557099029,"num_words":29,"start":72.215,"end":86.4},{"sentences":[{"text":"Yes.","start":86.46,"end":86.78,"sentiment":"neutral","sentiment_score":-0.0039068241603672504},{"text":"Sorry.","start":86.78,"end":87.28,"sentiment":"neutral","sentiment_score":-0.03968137130141258},{"text":"Sorry.","start":90.06,"end":90.38,"sentiment":"neutral","sentiment_score":-0.031058069318532944},{"text":"Your address.","start":90.38,"end":91.020004,"sentiment":"neutral","sentiment_score":-0.03258958365768194},{"text":"My apologies, Daniel.","start":91.020004,"end":92.16,"sentiment":"neutral","sentiment_score":-0.06902775044242541}],"sentiment":"neutral","sentiment_score":-0.04336358542786911,"num_words":8,"start":86.46,"end":92.16},{"sentences":[{"text":"Lovely.","start":94.94,"end":95.44,"sentiment":"neutral","sentiment_score":0.07265609502792358},{"text":"No.","start":95.5,"end":95.74,"sentiment":"neutral","sentiment_score":0.00003656558692455292},{"text":"No.","start":95.74,"end":95.9,"sentiment":"neutral","sentiment_score":0.021229801699519157},{"text":"You're absolutely fine.","start":95.9,"end":97.6,"sentiment":"neutral","sentiment_score":0.11967267592748006},{"text":"All good.","start":98.22,"end":99.04,"sentiment":"neutral","sentiment_score":0.21744315326213837}],"sentiment":"neutral","sentiment_score":0.11097834957763553,"num_words":8,"start":94.94,"end":99.04},{"sentences":[{"text":"Now has that email popped through to you there currently at all?","start":99.335,"end":102.295,"sentiment":"neutral","sentiment_score":0.05029601479570071},{"text":"Or yeah.","start":102.295,"end":104.854996,"sentiment":"neutral","sentiment_score":0.05338638834655285},{"text":"That's the one.","start":104.854996,"end":105.41499,"sentiment":"neutral","sentiment_score":0.08913734803597133},{"text":"If you just press on that one for me, it'll take you through so you can view the document.","start":105.41499,"end":109.91499,"sentiment":"neutral","sentiment_score":0.12509932721915998},{"text":"I'll never ask you to sign anything you haven't read.","start":110.375,"end":112.57001,"sentiment":"neutral","sentiment_score":0.009801173582673073}],"sentiment":"neutral","sentiment_score":0.07505730329000432,"num_words":46,"start":99.335,"end":112.57001},{"sentences":[{"text":"It's just so you can see the document and run through it with me there.","start":112.57001,"end":115.950005,"sentiment":"neutral","sentiment_score":0.05590434471766154},{"text":"Okay.","start":116.01,"end":116.51,"sentiment":"neutral","sentiment_score":0.05422579124569893},{"text":"It should say statement of when you press sign request, it should go.","start":120.97,"end":124.090004,"sentiment":"neutral","sentiment_score":0.02978720086125227},{"text":"So when you press I believe it says click to sign or sign here.","start":124.090004,"end":128.545,"sentiment":"neutral","sentiment_score":0.02059168228879571},{"text":"Yeah.","start":128.545,"end":128.865,"sentiment":"neutral","sentiment_score":0.058083098381757736}],"sentiment":"neutral","sentiment_score":0.03696343690072271,"num_words":44,"start":112.57001,"end":128.865},{"sentences":[{"text":"And then it should allow you to see the the front of the pay the front heading, a statement of advice.","start":128.865,"end":133.765,"sentiment":"neutral","sentiment_score":0.05583012698306924},{"text":"Yep.","start":135.985,"end":136.485,"sentiment":"neutral","sentiment_score":0.03557899594306946},{"text":"Yep.","start":136.785,"end":137.285,"sentiment":"neutral","sentiment_score":0.03724324703216553},{"text":"What does the next page look like or say?","start":141.505,"end":143.97,"sentiment":"neutral","sentiment_score":0.009332517886327373},{"text":"Yep.","start":148.19,"end":148.51001,"sentiment":"neutral","sentiment_score":0.21504294872283936}],"sentiment":"neutral","sentiment_score":0.04679668240362045,"num_words":33,"start":128.865,"end":148.51001},{"sentences":[{"text":"Perfect.","start":148.51001,"end":148.91,"sentiment":"positive","sentiment_score":0.4796755313873291},{"text":"For yourself with the 09/07/2026 on the front there.","start":148.91,"end":152.35,"sentiment":"neutral","sentiment_score":0.18664535383383432},{"text":"And on the bottom of that same page, you've got my authorized representative number.","start":152.35,"end":155.79001,"sentiment":"neutral","sentiment_score":0.11152815286602293},{"text":"So I'm a licensed financial adviser through ASIC, and my registration number is 1304394.","start":155.79001,"end":161.685,"sentiment":"neutral","sentiment_score":0.09078537193792206},{"text":"Okay?","start":161.685,"end":162.185,"sentiment":"neutral","sentiment_score":0.08196873962879181}],"sentiment":"neutral","sentiment_score":0.13009850776348358,"num_words":39,"start":148.51001,"end":162.185},{"sentences":[{"text":"Beautiful.","start":164.565,"end":165.065,"sentiment":"positive","sentiment_score":0.5215470790863037},{"text":"Excellent.","start":165.36499,"end":165.86499,"sentiment":"positive","sentiment_score":0.5538631677627563},{"text":"I'll take you to the pages that we need to sort of touch on to make sure we're hitting everything, but then I'll let you go back so you can have some time to read it through as well prior to taking the advice.","start":166.165,"end":174.85,"sentiment":"neutral","sentiment_score":0.1665083956481381},{"text":"Okay?","start":174.99,"end":175.49,"sentiment":"neutral","sentiment_score":0.05252747982740402},{"text":"If I can move you down forward to the next page, you've got the best interest duty.","start":177.31,"end":181.23001,"sentiment":"neutral","sentiment_score":0.04381632815827342}],"sentiment":"neutral","sentiment_score":0.14373726115445606,"num_words":64,"start":164.565,"end":181.23001},{"sentences":[{"text":"That's just outlining that any advice we do provide is some sort of under the corporations act, and we have a fiduciary duty to make sure that we are working in your best interest, and that any advice that we do provide is to meeting look sorry.","start":181.23001,"end":193.325,"sentiment":"neutral","sentiment_score":0.007281567822111414},{"text":"Working towards meeting your goals.","start":193.325,"end":195.025,"sentiment":"neutral","sentiment_score":0.008006453886628151},{"text":"Okay?","start":195.165,"end":195.665,"sentiment":"neutral","sentiment_score":0.04095005244016647},{"text":"Excellent.","start":197.325,"end":197.825,"sentiment":"neutral","sentiment_score":0.26971402764320374},{"text":"On page number three, we start with the scoping in and out.","start":197.965,"end":201.165,"sentiment":"neutral","sentiment_score":0.03192620212212205}],"sentiment":"neutral","sentiment_score":0.016303703979109272,"num_words":66,"start":181.23001,"end":201.165},{"sentences":[{"text":"So these are areas that we are and are not looking at advice with regard to today.","start":201.165,"end":205.45,"sentiment":"neutral","sentiment_score":-0.05923510101788184},{"text":"So, essentially, we were looking at superannuation, looking at readjusting the portfolio for you to remove any underperforming investments and make sure your super is working as hard as possible for you.","start":206.07,"end":217.035,"sentiment":"neutral","sentiment_score":-0.022093626845162362},{"text":"One of your goals was that you were looking to retire as early as possible.","start":217.595,"end":221.195,"sentiment":"neutral","sentiment_score":0.03973067055145899},{"text":"You had a goal of working towards retirement at the age of 60, which is the earliest possible we can access super currently, and maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to.","start":221.195,"end":234.45999,"sentiment":"neutral","sentiment_score":0.10609051524553188},{"text":"Does that still sound fairly appropriate to you?","start":234.45999,"end":236.93999,"sentiment":"neutral","sentiment_score":0.08943238761276007}],"sentiment":"neutral","sentiment_score":0.03616798729028391,"num_words":115,"start":201.165,"end":236.93999},{"sentences":[{"text":"Is there any changes you would make to that?","start":236.93999,"end":239.04,"sentiment":"neutral","sentiment_score":0.011423266906705167},{"text":"Fantastic.","start":241.57999,"end":242.07999,"sentiment":"positive","sentiment_score":0.7202486991882324},{"text":"Excellent.","start":242.93999,"end":243.43999,"sentiment":"positive","sentiment_score":0.6380651593208313},{"text":"We also have the estate planning side of things in here.","start":244.18501,"end":246.90501,"sentiment":"neutral","sentiment_score":0.26129427281293},{"text":"Now, realistically, when we sort of spoke, your will and power of attorneys are all up to date and reflective of your wishes, and you do also have a nomination on your current life insurance policy and also your superannuation nominating Kylie in the event of anything happening to you.","start":246.90501,"end":263.48,"sentiment":"neutral","sentiment_score":0.16176643025130033}],"sentiment":"neutral","sentiment_score":0.17255113575245357,"num_words":72,"start":236.93999,"end":263.48},{"sentences":[{"text":"However, one of the things that we were looking at for you on your behalf was your TBD policy.","start":263.48,"end":267.9,"sentiment":"neutral","sentiment_score":0.011188420516095664},{"text":"So as we kinda went through, you do have a a harder definition, the activities of daily living sort of TBD policy.","start":268.29498,"end":274.635,"sentiment":"neutral","sentiment_score":0.003981335342607715},{"text":"And so you do sort of agree for me to go back and have a look and make a recommendation around attempting to get a better definition of TBD, allowing you if in the event of being disabled or unable to go back to work ever again, making sure you have the best definitions possible to claim on that.","start":275.335,"end":291.94,"sentiment":"neutral","sentiment_score":0.08255520646097296},{"text":"So we've gone back and reassessed that for you, and I have been able to come up with an option.","start":291.94,"end":296.76,"sentiment":"neutral","sentiment_score":0.17915656976401806},{"text":"So, essentially, we are making a recommendation for life and TBD for you.","start":297.375,"end":301.455,"sentiment":"neutral","sentiment_score":0.1386409172644982}],"sentiment":"neutral","sentiment_score":0.07937135239292804,"num_words":133,"start":263.48,"end":301.455},{"sentences":[{"text":"And so I have scoped in the estate planning for the beneficiary nomination as whenever we recommend new super products or new life insurance products, that we also recommend attaching a beneficiary nominations that in line with your goals.","start":301.455,"end":315.37,"sentiment":"neutral","sentiment_score":0.11689863229791324},{"text":"Does that make sense?","start":315.37,"end":316.25,"sentiment":"neutral","sentiment_score":0.09577624313533306},{"text":"Do you have any questions so far?","start":316.25,"end":317.95,"sentiment":"neutral","sentiment_score":0.024661514641983167},{"text":"No?","start":319.61002,"end":320.11002,"sentiment":"neutral","sentiment_score":-0.13515472412109375},{"text":"Beautiful.","start":320.17,"end":320.67,"sentiment":"positive","sentiment_score":0.34149134159088135}],"sentiment":"neutral","sentiment_score":0.10232920869468497,"num_words":52,"start":301.455,"end":320.67},{"sentences":[{"text":"And then on the next page, you've got your life and TPD.","start":321.53,"end":324.35,"sentiment":"neutral","sentiment_score":0.09998984262347221},{"text":"So your goal there was that you were happy with the life cover level that you had.","start":324.57,"end":328.715,"sentiment":"neutral","sentiment_score":0.17206212790573344},{"text":"You were happy to retain the life cover.","start":328.715,"end":330.73502,"sentiment":"neutral","sentiment_score":0.27977327071130276},{"text":"You were happy to review the t b dev TPD definition to determine whether it could be improved or provide any recommended changes in place to improve your better overall position.","start":331.115,"end":341.85,"sentiment":"neutral","sentiment_score":0.16891174955714133},{"text":"So I have gone back and looked at the life and the TPD cover and made a recommendation to make sure that you have the best TPD definitions, but also making a recommendation around life.","start":341.99002,"end":352.695,"sentiment":"neutral","sentiment_score":0.11326207667589187}],"sentiment":"neutral","sentiment_score":0.15110249875239956,"num_words":103,"start":321.53,"end":352.695},{"sentences":[{"text":"We're retaining the same level of cover that you have, but just making sure you've got the best definitions as possible.","start":352.775,"end":358.695,"sentiment":"neutral","sentiment_score":0.2643678748891467},{"text":"And I've also looked at ways to try and save you a bit of money as well on those insurance premiums.","start":358.695,"end":363.355,"sentiment":"positive","sentiment_score":0.35233499038787114},{"text":"Okay?","start":363.655,"end":364.155,"sentiment":"neutral","sentiment_score":0.1684257984161377},{"text":"Excellent.","start":365.89502,"end":366.39502,"sentiment":"positive","sentiment_score":0.6111102104187012},{"text":"The next phase outlines anything that we're not providing advice around.","start":367.05,"end":370.33,"sentiment":"neutral","sentiment_score":0.0548870684790679}],"sentiment":"neutral","sentiment_score":0.2606191624167629,"num_words":55,"start":352.775,"end":370.33},{"sentences":[{"text":"So we've essentially scoped out the retirement income side of things.","start":370.33,"end":373.77,"sentiment":"neutral","sentiment_score":0.03371035620908846},{"text":"So now you are a lot younger.","start":373.77,"end":375.53,"sentiment":"neutral","sentiment_score":0.00916511139699391},{"text":"There's we're not able to, you know, project all the way to retirement at this particular stage.","start":375.53,"end":380.59,"sentiment":"neutral","sentiment_score":-0.05018295106642386},{"text":"As you do get closer to retirement, we will look to scoping that and certainly provide more detailed advice in that area.","start":380.945,"end":387.285,"sentiment":"neutral","sentiment_score":0.0834226796234196},{"text":"But right now, we're just looking the next five to ten years to sort of look at how far we can put you in front and keep building on those goals for you.","start":387.345,"end":395.025,"sentiment":"neutral","sentiment_score":0.2185857781406605}],"sentiment":"neutral","sentiment_score":0.09589432400340835,"num_words":90,"start":370.33,"end":395.025},{"sentences":[{"text":"Okay?","start":395.025,"end":395.525,"sentiment":"neutral","sentiment_score":0.05691321939229965},{"text":"Excellent.","start":396.46,"end":396.78,"sentiment":"positive","sentiment_score":0.5065330266952515},{"text":"And I've also scoped out the wills and the power of attorney and the beneficiary side of things on your a super policy sorry, on your super fund just because they were all in line with your wishes and so reflected correctly as per your Okay.","start":396.78,"end":412.685,"sentiment":"neutral","sentiment_score":0.28713059166203375},{"text":"Excellent.","start":412.685,"end":413.185,"sentiment":"neutral","sentiment_score":0.311175137758255},{"text":"Now I'm gonna skip a couple of pages.","start":413.885,"end":415.82498,"sentiment":"neutral","sentiment_score":0.08698707772418857}],"sentiment":"neutral","sentiment_score":0.25927237231741873,"num_words":57,"start":395.025,"end":415.82498},{"sentences":[{"text":"If I can please ask you to scroll down for me, we're gonna head down to page number 15, and this is where the start of the recommendations do start.","start":416.285,"end":425.26498,"sentiment":"neutral","sentiment_score":0.06420579006274542},{"text":"Beautiful.","start":427.66998,"end":428.16998,"sentiment":"neutral","sentiment_score":0.1671196222305298},{"text":"You're right.","start":429.35,"end":434.00998,"sentiment":"neutral","sentiment_score":-0.05510781705379486},{"text":"Yeah.","start":434.31,"end":434.81,"sentiment":"neutral","sentiment_score":-0.006070084869861603},{"text":"You're on the phone.","start":434.94998,"end":435.99,"sentiment":"neutral","sentiment_score":0.0010427989182062447}],"sentiment":"neutral","sentiment_score":0.05213628423179647,"num_words":38,"start":416.285,"end":435.99},{"sentences":[{"text":"It might be a bit smaller there for you.","start":435.99,"end":438.33,"sentiment":"neutral","sentiment_score":-0.017876829331119854},{"text":"Yeah.","start":439.75,"end":440.15,"sentiment":"neutral","sentiment_score":0.010485393926501274},{"text":"That's okay.","start":440.15,"end":446.26498,"sentiment":"neutral","sentiment_score":0.052867461927235126},{"text":"Yep.","start":446.405,"end":446.805,"sentiment":"neutral","sentiment_score":0.11573155969381332},{"text":"Beautiful.","start":446.805,"end":447.305,"sentiment":"neutral","sentiment_score":0.27023494243621826}],"sentiment":"neutral","sentiment_score":0.024378239709351743,"num_words":14,"start":435.99,"end":447.305},{"sentences":[{"text":"Excellent.","start":448.32498,"end":448.82498,"sentiment":"neutral","sentiment_score":0.306501567363739},{"text":"So this one here is the start of the recommendations around your super.","start":448.965,"end":452.16498,"sentiment":"neutral","sentiment_score":0.18232324031683114},{"text":"So, essentially, I did go back and have a look at your super fund as well as all the others out there to see if you win the best possible product for the time being and what we could do to make sure we're replacing any underperforming investments and making your super work as hard as possible.","start":452.16498,"end":465.78,"sentiment":"neutral","sentiment_score":0.11549020471998997},{"text":"But, also, you know, looking at ways to minimize the fees where possible and also mindful of the capital gains consequences.","start":466.08002,"end":472.825,"sentiment":"neutral","sentiment_score":-0.00482797764596485},{"text":"Because as we kind of went through before, just like you do a tax return every year, so does your super fund.","start":472.885,"end":478.025,"sentiment":"neutral","sentiment_score":-0.002935594286430966}],"sentiment":"neutral","sentiment_score":0.07976907680399324,"num_words":114,"start":448.32498,"end":478.025},{"sentences":[{"text":"Your super fund pays income tax and capital gains tax.","start":478.085,"end":481.125,"sentiment":"neutral","sentiment_score":-0.029478476196527482},{"text":"So whenever we do make changes to your super fund, it is preferable to be mindful of that scenario and making sure that we're not, you know, eating away your super with capital gains tax and fees and things like that as well.","start":481.125,"end":493.57,"sentiment":"neutral","sentiment_score":-0.14537175233627475},{"text":"So I did go back and have a look at everything and look at the research, and I've recommended that you do retain Hub twenty four.","start":493.87,"end":500.14502,"sentiment":"neutral","sentiment_score":0.24795055102843505},{"text":"The platform is fine.","start":500.14502,"end":501.265,"sentiment":"positive","sentiment_score":0.5103148519992828},{"text":"There's actually a very good platform.","start":501.265,"end":503.105,"sentiment":"positive","sentiment_score":0.7138919830322266}],"sentiment":"neutral","sentiment_score":0.06995006202814284,"num_words":89,"start":478.085,"end":503.105},{"sentences":[{"text":"It's one of the best ones out there, and it does have more than 1,100 different investment options to choose from when we are looking at switching investments.","start":503.105,"end":510.325,"sentiment":"positive","sentiment_score":0.49322944613439695},{"text":"So pertaining to Superfund for now is still preferable.","start":510.385,"end":513.33,"sentiment":"neutral","sentiment_score":0.281345440281762},{"text":"However, we are recommending that we do switch some investment options.","start":514.03,"end":517.55,"sentiment":"neutral","sentiment_score":0.15008748729120602},{"text":"I'll take you through those shortly so you can see the difference there.","start":517.55,"end":520.93,"sentiment":"neutral","sentiment_score":0.19677896912281329},{"text":"But I reviewed the portfolio you're in.","start":521.15,"end":523.47,"sentiment":"neutral","sentiment_score":0.05893552462969508}],"sentiment":"neutral","sentiment_score":0.30829663361039233,"num_words":68,"start":503.105,"end":523.47},{"sentences":[{"text":"You still wanted to be in a high growth environment, so taking a bit more risk in the market now to get greater potential returns.","start":523.47,"end":529.645,"sentiment":"neutral","sentiment_score":0.02507779449224472},{"text":"And given your time horizon, your risk capacity, that high growth portfolio still absolutely fits where you're at currently.","start":529.945,"end":536.045,"sentiment":"neutral","sentiment_score":0.1892295738584117},{"text":"But we wanted to make sure that we can look at any investments and update things as we work towards your retirement goals there.","start":536.505,"end":544.08,"sentiment":"neutral","sentiment_score":0.157270687011381},{"text":"So we are recommending an investment switch for you and then just making sure that your employer contributions continue to go into Hub 24 on a regular basis, taking advantage of the dollar cost averaging and building on the the work that the portfolio can do on its own there as well.","start":544.08,"end":560.535,"sentiment":"neutral","sentiment_score":0.3109433501958847},{"text":"Okay?","start":560.535,"end":561.035,"sentiment":"neutral","sentiment_score":0.093786358833313}],"sentiment":"neutral","sentiment_score":0.2004929241562678,"num_words":121,"start":523.47,"end":561.035},{"sentences":[{"text":"On that page, when you take some time to have a read, you'll notice it's got the best interest duty.","start":562.535,"end":566.57996,"sentiment":"neutral","sentiment_score":0.1162497989833355},{"text":"All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially.","start":566.57996,"end":579.56,"sentiment":"neutral","sentiment_score":0.25375649138637213},{"text":"Okay?","start":579.86,"end":580.36,"sentiment":"neutral","sentiment_score":0.092786505818367},{"text":"I'm gonna skip a few more pages now.","start":582.10504,"end":584.585,"sentiment":"neutral","sentiment_score":-0.0058010302018374205},{"text":"If you can scroll down, tell me the page number 18.","start":584.585,"end":587.48505,"sentiment":"neutral","sentiment_score":0.0072507308796048164}],"sentiment":"neutral","sentiment_score":0.16423175450371102,"num_words":86,"start":562.535,"end":587.48505},{"sentences":[{"text":"The heading on this should be fee comparison, and it's a bit of a table.","start":587.625,"end":591.48505,"sentiment":"neutral","sentiment_score":0.006489018319795529},{"text":"Yep.","start":597.48004,"end":597.98004,"sentiment":"neutral","sentiment_score":0.033680349588394165},{"text":"Yeah.","start":598.04004,"end":598.36005,"sentiment":"neutral","sentiment_score":0.05333200469613075},{"text":"You're fine.","start":598.36005,"end":599.26,"sentiment":"neutral","sentiment_score":0.07496041059494019},{"text":"Yep.","start":611.845,"end":612.345,"sentiment":"neutral","sentiment_score":0.2623809278011322}],"sentiment":"neutral","sentiment_score":0.02983246890362352,"num_words":20,"start":587.625,"end":612.345},{"sentences":[{"text":"Beautiful.","start":612.485,"end":612.985,"sentiment":"positive","sentiment_score":0.6183037161827087},{"text":"So this has got quite a lovely table here.","start":613.20496,"end":615.605,"sentiment":"positive","sentiment_score":0.6781269907951355},{"text":"The first column, which has your current scenario, shows your current hub twenty four super fund with your current balance there.","start":615.605,"end":621.865,"sentiment":"neutral","sentiment_score":0.16630334016822634},{"text":"Underneath that, you've got your administration fees, investment fees, our ongoing service fee for us looking after everything, your contributions going in, and then your current insurance premiums noted there as well.","start":622.38,"end":632.96,"sentiment":"neutral","sentiment_score":0.0925940009765327},{"text":"Underneath that in the investor profile, the second line from the bottom, it does actually know that you're in that high growth environment.","start":633.9,"end":640.315,"sentiment":"neutral","sentiment_score":0.0044388324832138806}],"sentiment":"neutral","sentiment_score":0.15440602273528659,"num_words":86,"start":612.485,"end":640.315},{"sentences":[{"text":"And when we look at your current portfolio and how it has performed over the past five years, it's averaged about 4.28%, which is pretty dismal realistically.","start":640.455,"end":649.195,"sentiment":"neutral","sentiment_score":-0.1108241521373943},{"text":"You're in a high growth environment.","start":649.41504,"end":650.85504,"sentiment":"neutral","sentiment_score":-0.17059562603632608},{"text":"You wanna be getting a lot more out of you so far.","start":650.85504,"end":653.43,"sentiment":"neutral","sentiment_score":0.01871434474984805},{"text":"So I've gone back and had a really good look.","start":654.31,"end":656.39,"sentiment":"neutral","sentiment_score":0.30425965040922165},{"text":"And with the recommended column there, you'll see there's no difference to the balance.","start":656.39,"end":660.71,"sentiment":"neutral","sentiment_score":0.15936389725123132}],"sentiment":"neutral","sentiment_score":0.021484599111304768,"num_words":69,"start":640.455,"end":660.71},{"sentences":[{"text":"So when I went back and looked at altering the portfolio, I actually noted that there's gonna be no CGT consequences.","start":660.71,"end":667.29,"sentiment":"neutral","sentiment_score":0.1418460425699041},{"text":"So as I mentioned, there are tax consequences within super, and your super fund does pay capital gains tax for buying and selling and switching investment options.","start":667.58997,"end":677.665,"sentiment":"neutral","sentiment_score":0.2235340917551959},{"text":"So I was able to look at switching the investments and helping you to get more out of your super fund without any capital gains consequences, which is a benefit to you.","start":677.665,"end":688.32,"sentiment":"positive","sentiment_score":0.35234629223123193},{"text":"There are no changes to the admin fees.","start":689.66003,"end":691.66003,"sentiment":"neutral","sentiment_score":0.15533308032900095},{"text":"That stays the same because it is hub 24, but you'll see the investment fees.","start":691.66003,"end":695.34,"sentiment":"neutral","sentiment_score":0.18999661803245543}],"sentiment":"neutral","sentiment_score":0.2367173071444324,"num_words":103,"start":660.71,"end":695.34},{"sentences":[{"text":"So the newer portfolio fees.","start":695.34,"end":704.735,"sentiment":"neutral","sentiment_score":0.31726382970809935},{"text":"That's a benefit and advantage to the strategy.","start":704.735,"end":707.15497,"sentiment":"positive","sentiment_score":0.46263905614614487},{"text":"It's more money that stays in your portfolio, making it cheaper, and having that money stay in your portfolio compounding towards your goal.","start":707.21497,"end":714.63,"sentiment":"positive","sentiment_score":0.46564619567083276},{"text":"So I was really happy to be able to complete the switch, not have any capital gains consequences, but also reduce the cost of the portfolio, which is good.","start":714.63,"end":723.20996,"sentiment":"positive","sentiment_score":0.8104479580089964},{"text":"It's it's it's just very, very lucky.","start":727.015,"end":730.315,"sentiment":"positive","sentiment_score":0.6775775807244437}],"sentiment":"positive","sentiment_score":0.6144906659093168,"num_words":72,"start":695.34,"end":730.315},{"sentences":[{"text":"I was able to put together the portfolio and noted the the, you know, the reduction in fees and how it was only gonna benefit you.","start":730.455,"end":737.815,"sentiment":"positive","sentiment_score":0.6499949831228989},{"text":"So very happy with that outcome thus far.","start":737.815,"end":741.27997,"sentiment":"positive","sentiment_score":0.7900724709033966},{"text":"Underneath that, the ongoing service fee, which for yourself is 1.65 percent, it does show that, obviously, we've factored in growth into the year, so there is a difference of a $141 there.","start":742.3,"end":752.8,"sentiment":"neutral","sentiment_score":0.15776434314973425},{"text":"And then you've got your net contributions going in.","start":753.715,"end":756.03503,"sentiment":"neutral","sentiment_score":0.10022619946135415},{"text":"So this is your total contributions after fees, after the fifth so after the tax, the 15% tax that's deducted inside Super, and it shows how much you could expect for the year based on your income.","start":756.03503,"end":767.575,"sentiment":"neutral","sentiment_score":0.17209371098795453}],"sentiment":"neutral","sentiment_score":0.31589536065548923,"num_words":113,"start":730.455,"end":767.575},{"sentences":[{"text":"And then your insurance premiums, and I'll take you through this shortly, but you'll notice a difference there.","start":768.27,"end":772.91003,"sentiment":"neutral","sentiment_score":0.14139447319838735},{"text":"So I've actually made a recommendation which saves you just under $400 for the year in insurance premiums and provides you with a better definition of total permanent disability.","start":772.91003,"end":781.89,"sentiment":"neutral","sentiment_score":0.3060075047201124},{"text":"Beautiful.","start":784.32495,"end":784.725,"sentiment":"positive","sentiment_score":0.5230532884597778},{"text":"And then underneath that, again, your investor profile shows that we're still keeping you within a high growth environment, still keeping, you know, your super working harder.","start":784.725,"end":792.50494,"sentiment":"neutral","sentiment_score":0.2144443384475178},{"text":"However, the newer portfolio has shown a much greater past performance.","start":792.88495,"end":796.68,"sentiment":"neutral","sentiment_score":0.32085596973245795}],"sentiment":"neutral","sentiment_score":0.24723004939597706,"num_words":86,"start":768.27,"end":796.68},{"sentences":[{"text":"It's averaged about 11.34% over the past five years.","start":796.74,"end":800.58,"sentiment":"neutral","sentiment_score":0.3115267753601074},{"text":"So coupling the past of the greater historical performance plus the saving in investment fees and no capital gains consequences, it just worked out definitely in your best interest to be able to switch these switch these investments and put you into this newer portfolio.","start":800.58,"end":817.115,"sentiment":"positive","sentiment_score":0.4812116242117352},{"text":"Okay?","start":817.575,"end":818.075,"sentiment":"neutral","sentiment_score":0.1373938024044037},{"text":"Excellent.","start":819.895,"end":820.395,"sentiment":"positive","sentiment_score":0.464228868484497},{"text":"Underneath that, I know it is a bit small.","start":820.775,"end":822.615,"sentiment":"neutral","sentiment_score":-0.04187666831745042}],"sentiment":"positive","sentiment_score":0.3797384111353984,"num_words":65,"start":796.74,"end":822.615},{"sentences":[{"text":"I do apologize, but the the projection table below also has over the next five to ten years there.","start":822.615,"end":828.19995,"sentiment":"neutral","sentiment_score":-0.03217156643145963},{"text":"So your current scenario with the, you know, your current portfolio, if it's averaging 4.28% and the current fees, over the next five years, you could see it grow to just over 280,000 or over 308,000 in the next ten years.","start":828.19995,"end":843.78503,"sentiment":"neutral","sentiment_score":0.17299119692023207},{"text":"With this newer portfolio and the fee savings there, if it is to to be able to obtain this kind of growth over the next sort of five to ten years, you could see yourself in a much greater position, which puts you in a much greater position towards your retirement goals as well.","start":844.245,"end":858.85004,"sentiment":"positive","sentiment_score":0.46192674228438624},{"text":"Yeah.","start":860.35004,"end":860.85004,"sentiment":"neutral","sentiment_score":0.19925901293754575},{"text":"Beautiful.","start":861.23,"end":861.73,"sentiment":"positive","sentiment_score":0.3433681130409241}],"sentiment":"neutral","sentiment_score":0.2755866424212682,"num_words":116,"start":822.615,"end":861.73},{"sentences":[{"text":"Do you have any questions so far?","start":862.03,"end":864.13,"sentiment":"neutral","sentiment_score":0.09936333394476346},{"text":"No?","start":866.33496,"end":866.83496,"sentiment":"neutral","sentiment_score":-0.044276148080825806},{"text":"It it all absolutely is.","start":868.175,"end":870.65497,"sentiment":"neutral","sentiment_score":0.001606079190969467},{"text":"That's correct.","start":870.65497,"end":871.535,"sentiment":"neutral","sentiment_score":0.11297963559627533},{"text":"Yeah.","start":871.535,"end":872.035,"sentiment":"neutral","sentiment_score":0.13104084134101868}],"sentiment":"neutral","sentiment_score":0.06351860612630844,"num_words":16,"start":862.03,"end":872.035},{"sentences":[{"text":"It all absolutely is.","start":872.175,"end":873.375,"sentiment":"neutral","sentiment_score":0.15713084116578102},{"text":"I mean, essentially, we have to look at past performance to be able to determine what kind of performance the investment portfolio can obtain in the future because we don't know what's going to happen.","start":873.375,"end":883.57,"sentiment":"neutral","sentiment_score":-0.010233318965349878},{"text":"And this is all based on, you know, past data and whatnot.","start":883.95,"end":886.91003,"sentiment":"neutral","sentiment_score":0.011860561363088587},{"text":"But when we sort of look at, you know, portfolios and investments and how they have performed, we also look at the five year time horizon because we know in the last five years, there has been a lot of ups and downs and market volatility.","start":886.91003,"end":898.295,"sentiment":"neutral","sentiment_score":-0.03176891082978767},{"text":"So if a portfolio can essentially wade through the ups and downs over the past five years and still obtain a good 11% return, But then, theoretically, moving forward over the next sort of five to ten years, should it stay very similar market conditions, then it should be able to hold up and still obtain that kind of market return as well.","start":898.515,"end":919.97,"sentiment":"neutral","sentiment_score":-0.004554794421271672}],"sentiment":"neutral","sentiment_score":-0.008347737559233792,"num_words":160,"start":872.175,"end":919.97},{"sentences":[{"text":"In saying that, we could definitely see a downside.","start":920.535,"end":923.595,"sentiment":"neutral","sentiment_score":-0.3061826046970155},{"text":"And in that high growth environment, that's why we don't like you to be in this high growth portfolio when you have less than eight years towards accessing CIVID because you are taking more risk to get those greater potential returns.","start":923.65497,"end":935.595,"sentiment":"neutral","sentiment_score":-0.3292777265717344},{"text":"However, in that high growth environment, we expect a negative return to be at least one in one in every five years.","start":936.34,"end":942.02,"sentiment":"negative","sentiment_score":-0.38909539715810254},{"text":"So we do know the risk level that you're taking, and we wanna make sure that as you get closer to accessing your super that we, you know, draw that risk level back a little bit.","start":942.02,"end":951.135,"sentiment":"neutral","sentiment_score":0.005645569122862071},{"text":"But for right now, you have that time horizon to do that.","start":951.215,"end":954.59503,"sentiment":"neutral","sentiment_score":0.09739993667850892}],"sentiment":"neutral","sentiment_score":-0.19536741033856136,"num_words":120,"start":920.535,"end":954.59503},{"sentences":[{"text":"And I'm you know, I'll make sure that we review this portfolio with you every, say, six months to see how things are tracking and performing.","start":954.895,"end":961.295,"sentiment":"neutral","sentiment_score":0.20318365555543166},{"text":"And if there is anything flagging that we should maybe move you out of, it gives us an opportunity to update that advice nice and quickly for you as well.","start":961.295,"end":969.03,"sentiment":"neutral","sentiment_score":0.20064902516702812},{"text":"Okay?","start":970.61005,"end":970.93,"sentiment":"neutral","sentiment_score":0.05556520447134971},{"text":"Does that make sense?","start":970.93,"end":972.21,"sentiment":"neutral","sentiment_score":0.04244467103853822},{"text":"Do you have any questions at all?","start":972.21,"end":973.83,"sentiment":"neutral","sentiment_score":0.02470081459198679}],"sentiment":"neutral","sentiment_score":0.1720661086797276,"num_words":68,"start":954.895,"end":973.83},{"sentences":[{"text":"No?","start":975.25,"end":975.75,"sentiment":"neutral","sentiment_score":-0.1106741949915886},{"text":"Fantastic.","start":976.69,"end":977.19,"sentiment":"neutral","sentiment_score":0.3070511817932129},{"text":"If I can take you down to the next page, the page number 20, that might actually be the page after.","start":978.275,"end":983.875,"sentiment":"neutral","sentiment_score":0.07411008266111214},{"text":"My apologies.","start":983.875,"end":984.615,"sentiment":"neutral","sentiment_score":-0.08823802322149277},{"text":"Page number 20.","start":984.755,"end":985.815,"sentiment":"neutral","sentiment_score":-0.0048709505548079806}],"sentiment":"neutral","sentiment_score":0.055771422306341786,"num_words":28,"start":975.25,"end":985.815},{"sentences":[{"text":"The heading is investments in red there.","start":986.115,"end":989.015,"sentiment":"neutral","sentiment_score":0.017588086958442415},{"text":"Beautiful.","start":990.35504,"end":990.835,"sentiment":"positive","sentiment_score":0.44774967432022095},{"text":"This is essentially showing you the changes that we wanna make to the portfolio there.","start":990.835,"end":994.91,"sentiment":"neutral","sentiment_score":0.24671444445848464},{"text":"So you'll see on the the first column has your hub twenty four super fund and all your different investments there.","start":995.37,"end":1000.81,"sentiment":"neutral","sentiment_score":0.15785820959579377},{"text":"And the buy sell column is the one that we sort of focus on.","start":1000.81,"end":1003.69,"sentiment":"neutral","sentiment_score":0.1175392030605248}],"sentiment":"neutral","sentiment_score":0.1591750723149242,"num_words":58,"start":986.115,"end":1003.69},{"sentences":[{"text":"So it's sort of showing you which investments we're gonna sell and how much we're gonna sell of those investments and then which ones we're gonna purchase into.","start":1003.69,"end":1011.415,"sentiment":"neutral","sentiment_score":0.12730310843991383},{"text":"And the last two columns show you your target weighting and how much you'll have in those individual investments once we complete the switch.","start":1011.71497,"end":1018.855,"sentiment":"neutral","sentiment_score":0.0896296010663112},{"text":"So to kinda go through in in a nutshell and give you a bit of a rundown, we are selling all of the Benelon Australian equities.","start":1019.07495,"end":1025.6,"sentiment":"neutral","sentiment_score":-0.018156744880028643},{"text":"That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest.","start":1025.6,"end":1032.34,"sentiment":"neutral","sentiment_score":-0.20203893221914768},{"text":"We're also going to sell off the Vanguard diversified index fund.","start":1032.64,"end":1036.785,"sentiment":"neutral","sentiment_score":-0.07472937232391401}],"sentiment":"neutral","sentiment_score":0.003492847294333058,"num_words":109,"start":1003.69,"end":1036.785},{"sentences":[{"text":"We still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification.","start":1036.785,"end":1049.685,"sentiment":"neutral","sentiment_score":0.0703263649573693},{"text":"So we're gonna sell all the Vanguard diversified index investment down.","start":1051.38,"end":1055.4,"sentiment":"neutral","sentiment_score":0.0074777189134196806},{"text":"With the cybersecurity, we are keeping that in.","start":1055.7001,"end":1058.5,"sentiment":"neutral","sentiment_score":-0.02753804111853242},{"text":"However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one.","start":1058.5,"end":1065.56,"sentiment":"neutral","sentiment_score":-0.08355635003401683},{"text":"The battery and lithium tech has been a bit up and down this year.","start":1067.095,"end":1070.215,"sentiment":"neutral","sentiment_score":-0.1500763116138322}],"sentiment":"neutral","sentiment_score":-0.01702912909225846,"num_words":98,"start":1036.785,"end":1070.215},{"sentences":[{"text":"It is still a good investment, but we are selling that off completely.","start":1070.215,"end":1073.355,"sentiment":"neutral","sentiment_score":0.1438576653599739},{"text":"And the same thing with the MorningStar Global tech.","start":1073.975,"end":1076.615,"sentiment":"neutral","sentiment_score":0.28492705358399284},{"text":"So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well.","start":1076.615,"end":1085.09,"sentiment":"neutral","sentiment_score":0.2990883549054464},{"text":"Okay?","start":1085.09,"end":1085.59,"sentiment":"neutral","sentiment_score":0.11370749771595},{"text":"Then we've got the iShares Europe.","start":1087.0099,"end":1088.7699,"sentiment":"neutral","sentiment_score":0.15176919599374136}],"sentiment":"neutral","sentiment_score":0.24460112631826078,"num_words":59,"start":1070.215,"end":1088.7699},{"sentences":[{"text":"So this is giving you exposure to all 16 European countries, so giving you exposure to all the areas.","start":1088.7699,"end":1094.61,"sentiment":"neutral","sentiment_score":0.22250625020579287},{"text":"So we wanna hold 9%, and it's giving you diversification across all of Europe.","start":1094.61,"end":1099.345,"sentiment":"neutral","sentiment_score":0.27058095910719465},{"text":"We also do wanna keep The US exposure to the S and P 500.","start":1100.285,"end":1104.705,"sentiment":"neutral","sentiment_score":0.09780445801360267},{"text":"We wanna hold 35% of the S and P 500.","start":1104.845,"end":1108.045,"sentiment":"neutral","sentiment_score":0.12763380110263825},{"text":"This is giving you exposure to the top 500 companies on The US market.","start":1108.045,"end":1112.225,"sentiment":"neutral","sentiment_score":0.12814813586218016}],"sentiment":"neutral","sentiment_score":0.175428542347861,"num_words":71,"start":1088.7699,"end":1112.225},{"sentences":[{"text":"You currently have 31.79%, so we'll buy a little bit more to keep that exposure and reweight it for you.","start":1112.82,"end":1119.88,"sentiment":"neutral","sentiment_score":0.10115128308534622},{"text":"We've got the iShares Asia.","start":1121.38,"end":1123.14,"sentiment":"neutral","sentiment_score":0.10304351896047592},{"text":"That one is going completely.","start":1123.14,"end":1124.6799,"sentiment":"neutral","sentiment_score":0.15701372921466827},{"text":"Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it.","start":1124.74,"end":1128.9551,"sentiment":"neutral","sentiment_score":0.11892059994371314},{"text":"There's low cost but also providing diversification.","start":1128.9551,"end":1131.375,"sentiment":"neutral","sentiment_score":0.27375173568725586}],"sentiment":"neutral","sentiment_score":0.1339118830593569,"num_words":56,"start":1112.82,"end":1131.375},{"sentences":[{"text":"So we've been able to do that, which means we can sell all of this investment down for you.","start":1131.675,"end":1136.095,"sentiment":"neutral","sentiment_score":0.2509932682702416},{"text":"And then the VanEck China new economy.","start":1137.115,"end":1139.535,"sentiment":"neutral","sentiment_score":0.02512520967450525},{"text":"Unfortunately, China hasn't really performed the way we had hoped it would over the past couple of years, so we are completely selling that investment down for you.","start":1139.9501,"end":1147.7101,"sentiment":"neutral","sentiment_score":-0.2059103325009346},{"text":"Okay?","start":1147.7101,"end":1148.2101,"sentiment":"neutral","sentiment_score":-0.007299426943063736},{"text":"With the other buyers to rewrite your portfolio, we'll buy into the iShares Japanese.","start":1150.11,"end":1154.705,"sentiment":"neutral","sentiment_score":0.16991871914693288}],"sentiment":"neutral","sentiment_score":0.02247567965136166,"num_words":69,"start":1131.675,"end":1154.705},{"sentences":[{"text":"It's giving you exposure to the Japan market.","start":1154.705,"end":1157.205,"sentiment":"positive","sentiment_score":0.34589240700006485},{"text":"It's a really great place to be exposed to and has had some great returns over the past.","start":1157.6649,"end":1162.645,"sentiment":"positive","sentiment_score":0.6672564281357659},{"text":"So we're gonna hold 5% of the Japanese market then.","start":1163.025,"end":1166.325,"sentiment":"neutral","sentiment_score":0.28374571930617093},{"text":"The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment.","start":1166.51,"end":1174.2101,"sentiment":"neutral","sentiment_score":0.01041082770473534},{"text":"This is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there.","start":1174.27,"end":1182.705,"sentiment":"neutral","sentiment_score":0.05394601620733738}],"sentiment":"neutral","sentiment_score":0.20963693716887222,"num_words":92,"start":1154.705,"end":1182.705},{"sentences":[{"text":"But this is essentially holding exposure to the entire globe, which is fantastic, giving you greater diversification in both already established markets, but also up and coming markets and opportunities as well.","start":1183.005,"end":1195.1799,"sentiment":"positive","sentiment_score":0.4083823342807591},{"text":"Okay?","start":1195.48,"end":1195.98,"sentiment":"neutral","sentiment_score":0.09408892691135406},{"text":"We'll hold 8% of the All World x US investment.","start":1197.24,"end":1201.34,"sentiment":"neutral","sentiment_score":0.09390188455581665},{"text":"And then because we have gotten rid of the ban along Australian equities, we still wanna increase our holding into the Australian market.","start":1201.96,"end":1209.095,"sentiment":"neutral","sentiment_score":0.057406207465607186},{"text":"So as I kind of I'm not sure if I spoke to you and explained before, but Banna Long generally is a it's an actively managed fund, and they normally hold about 15 to 25 different investment options within their fund there.","start":1209.475,"end":1222.2,"sentiment":"neutral","sentiment_score":0.026012509573428405}],"sentiment":"neutral","sentiment_score":0.15290935780784046,"num_words":108,"start":1183.005,"end":1222.2},{"sentences":[{"text":"We're replacing that with the BetaShares a 200.","start":1222.6,"end":1225.3999,"sentiment":"neutral","sentiment_score":0.06277899001725018},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":1225.3999,"end":1229.1799,"sentiment":"neutral","sentiment_score":0.13495651345986587},{"text":"We wanna hold 25% of this investment, and it essentially is giving you greater diversification.","start":1229.5599,"end":1235.1,"sentiment":"neutral","sentiment_score":0.22948436290025712},{"text":"Because instead of having 15 to 25 different companies on the ASX, you're getting exposure to the top 200.","start":1235.5599,"end":1241.875,"sentiment":"neutral","sentiment_score":0.1059550921383657},{"text":"So it's building and growing on diversification, but it's also a low cost investment.","start":1241.935,"end":1246.275,"sentiment":"positive","sentiment_score":0.3692572633070605}],"sentiment":"neutral","sentiment_score":0.18669102138475233,"num_words":69,"start":1222.6,"end":1246.275},{"sentences":[{"text":"It's also a really good dividend paying investment as well.","start":1246.895,"end":1249.935,"sentiment":"positive","sentiment_score":0.6590908110141754},{"text":"So dividends are some of the highest, and it's those dividends are paid back to your cash account, which can be reinvested for compounding effect for you.","start":1249.935,"end":1258.3201,"sentiment":"positive","sentiment_score":0.4177588566585823},{"text":"Okay.","start":1258.3201,"end":1258.8201,"sentiment":"neutral","sentiment_score":0.13322454690933228},{"text":"Excellent.","start":1259.84,"end":1260.34,"sentiment":"neutral","sentiment_score":0.31988927721977234},{"text":"Gold.","start":1261.2001,"end":1261.7001,"sentiment":"neutral","sentiment_score":0.14098942279815674}],"sentiment":"positive","sentiment_score":0.4616125121712685,"num_words":40,"start":1246.895,"end":1261.7001},{"sentences":[{"text":"Yeah.","start":1261.84,"end":1262.16,"sentiment":"neutral","sentiment_score":0.08387929201126099},{"text":"You don't currently have any physical gold in your portfolio, so we do wanna hold some.","start":1262.16,"end":1266.8351,"sentiment":"neutral","sentiment_score":0.05001768912188709},{"text":"Wanna hold about 7%.","start":1266.895,"end":1268.495,"sentiment":"neutral","sentiment_score":0.09723217226564884},{"text":"It has done really well over the past.","start":1268.495,"end":1270.595,"sentiment":"neutral","sentiment_score":0.2521791383624077},{"text":"Has been has has its up and down this year as well as everything else, but we do wanna hold some physical gold and keep holding physical gold for you.","start":1271.135,"end":1279.2201,"sentiment":"neutral","sentiment_score":0.11464622244238853}],"sentiment":"neutral","sentiment_score":0.11406628452872826,"num_words":59,"start":1261.84,"end":1279.2201},{"sentences":[{"text":"So 7% will be bought into your portfolio.","start":1279.2201,"end":1281.7201,"sentiment":"neutral","sentiment_score":0.15767309069633484},{"text":"Okay?","start":1282.1001,"end":1282.6001,"sentiment":"neutral","sentiment_score":0.07932215929031372},{"text":"And then you've got the iShares Core composite bond.","start":1284.66,"end":1287.14,"sentiment":"neutral","sentiment_score":0.13677741587162018},{"text":"So within the high growth environment, we still wanna hold some low risk defensive investments like bonds.","start":1287.14,"end":1293.015,"sentiment":"neutral","sentiment_score":0.20591841725742116},{"text":"They are good for income producing.","start":1293.2351,"end":1294.8551,"sentiment":"positive","sentiment_score":0.619517038265864}],"sentiment":"neutral","sentiment_score":0.23876631587016872,"num_words":41,"start":1279.2201,"end":1294.8551},{"sentences":[{"text":"They pay income into your cash account that gets redistributed across the compounding effect, but it's also about holding some defensive assets.","start":1295.395,"end":1303.4751,"sentiment":"positive","sentiment_score":0.47201447730714624},{"text":"So when, say, equities aren't doing so well, you do have gold, which can be a mitigator and act defensively, but core composite bonds also tend to do well, and defensive investments tend to do well when equity markets aren't performing as well.","start":1303.4751,"end":1316.79,"sentiment":"positive","sentiment_score":0.34660295067831526},{"text":"So we do wanna have a mix of growth plus defensive investments and holding physical goal, which is growth, but also acts defensively can assist you in that as well.","start":1316.79,"end":1326.105,"sentiment":"positive","sentiment_score":0.45771908859411875},{"text":"That's essentially a quick breakdown of the investments.","start":1326.725,"end":1329.285,"sentiment":"neutral","sentiment_score":0.1969787422567606},{"text":"Do you have much?","start":1329.285,"end":1330.345,"sentiment":"neutral","sentiment_score":0.07880487851798534}],"sentiment":"positive","sentiment_score":0.3823445559801342,"num_words":107,"start":1295.395,"end":1330.345},{"sentences":[{"text":"Any questions in relation to any of those?","start":1330.5651,"end":1332.5651,"sentiment":"neutral","sentiment_score":0.06217327294871211},{"text":"Did you want me to delve deeper into anything specific for you?","start":1332.5651,"end":1335.785,"sentiment":"neutral","sentiment_score":0.05457810964435339},{"text":"It definitely isn't it?","start":1341.89,"end":1343.27,"sentiment":"neutral","sentiment_score":-0.038626336958259344},{"text":"Yeah.","start":1345.17,"end":1345.67,"sentiment":"neutral","sentiment_score":0.13574734330177307},{"text":"All good.","start":1345.81,"end":1346.55,"sentiment":"positive","sentiment_score":0.3350706547498703}],"sentiment":"neutral","sentiment_score":0.06680395571445977,"num_words":27,"start":1330.5651,"end":1346.55},{"sentences":[{"text":"On the next page down, you are holding a bit over 5,000 in cash at the moment.","start":1347.41,"end":1351.845,"sentiment":"neutral","sentiment_score":0.07700413158711265},{"text":"So your portfolio does have a higher cash limit than what we'd like.","start":1351.845,"end":1356.025,"sentiment":"neutral","sentiment_score":0.07770090349591695},{"text":"We will just take a bit over 2,000 of that and reinvest it back into the portfolio.","start":1356.325,"end":1360.345,"sentiment":"neutral","sentiment_score":0.20610993530820398},{"text":"Realistically, we don't wanna hold more than 1.25% cash.","start":1360.485,"end":1364.345,"sentiment":"neutral","sentiment_score":0.006942093786266115},{"text":"And when I looked at things, your cash holding was a little bit high.","start":1364.53,"end":1367.57,"sentiment":"neutral","sentiment_score":0.01484306130026068}],"sentiment":"neutral","sentiment_score":0.08704760835639068,"num_words":70,"start":1347.41,"end":1367.57},{"sentences":[{"text":"So we'll just reinvest some of that money for you as well.","start":1367.57,"end":1370.69,"sentiment":"neutral","sentiment_score":0.20574468870957693},{"text":"Okay?","start":1370.69,"end":1371.19,"sentiment":"neutral","sentiment_score":0.07693251967430115},{"text":"Yeah.","start":1377.255,"end":1377.655,"sentiment":"neutral","sentiment_score":0.030732721090316772},{"text":"So, essentially, every month that does go through and do, like, a rebalance of the cash holdings.","start":1377.655,"end":1383.035,"sentiment":"neutral","sentiment_score":0.05698918441639227},{"text":"But sometimes in between that month, you might get more dividends or they may have held a little bit more cash than they needed because they were expecting more in the way of admin fees or something to come out with.","start":1383.5751,"end":1393.87,"sentiment":"neutral","sentiment_score":-0.024463962808978265}],"sentiment":"neutral","sentiment_score":0.03531104396097362,"num_words":72,"start":1367.57,"end":1393.87},{"sentences":[{"text":"So there could be a few different reasons there, but we just wanted to make sure that we reflect that and put that cash back in.","start":1393.87,"end":1400.83,"sentiment":"neutral","sentiment_score":0.18156614197561374},{"text":"It could also be that you've received a few additional contributions over the month.","start":1400.83,"end":1404.85,"sentiment":"neutral","sentiment_score":0.23073855627860343},{"text":"And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet.","start":1405.015,"end":1411.655,"sentiment":"neutral","sentiment_score":-0.15499328523874284},{"text":"So there are times when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your portfolio.","start":1411.655,"end":1420.395,"sentiment":"neutral","sentiment_score":-0.11899307897935311},{"text":"Yeah.","start":1422.3201,"end":1422.7201,"sentiment":"neutral","sentiment_score":0.20945529639720917}],"sentiment":"neutral","sentiment_score":0.000018939229787564745,"num_words":102,"start":1393.87,"end":1422.7201},{"sentences":[{"text":"Beautiful.","start":1422.7201,"end":1423.2201,"sentiment":"positive","sentiment_score":0.6949695348739624},{"text":"Excellent.","start":1423.6001,"end":1424.1001,"sentiment":"positive","sentiment_score":0.7106585502624512},{"text":"If I can get you to scroll down for me to page number 23, I'll take you through the insurance recommendations now.","start":1424.88,"end":1432.9801,"sentiment":"neutral","sentiment_score":0.2722177261655981},{"text":"Beautiful.","start":1435.0249,"end":1435.5249,"sentiment":"positive","sentiment_score":0.4843814969062805},{"text":"Now, essentially, one thing that we talked about was that you do have the current tower policy, which gives you life and TPD.","start":1436.1449,"end":1442.965,"sentiment":"neutral","sentiment_score":0.05075331477691298}],"sentiment":"neutral","sentiment_score":0.18846095411572605,"num_words":48,"start":1422.7201,"end":1442.965},{"sentences":[{"text":"You were happy with the level of life and TPD that you have, but the main thing was that you had an an an ADL definition.","start":1443.6649,"end":1449.995,"sentiment":"neutral","sentiment_score":0.10275318932074767},{"text":"So activities of daily living definition of TPD, which if you remember back to our conversation, is much harder to claim on.","start":1449.995,"end":1457.4,"sentiment":"neutral","sentiment_score":-0.12784304943951694},{"text":"You have to make certain certain definitions.","start":1457.4,"end":1460.3,"sentiment":"neutral","sentiment_score":-0.21381392436368124},{"text":"They'd be unable to do generally two to three of the five activities of daily living, which makes claiming on TBD very hard.","start":1460.3601,"end":1467.335,"sentiment":"neutral","sentiment_score":-0.2179371591495431},{"text":"However, holding insurance is expensive, and that money premiums are coming out of your super, which has an effect on your retirement income.","start":1467.555,"end":1474.855,"sentiment":"neutral","sentiment_score":-0.2904672868873762}],"sentiment":"neutral","sentiment_score":-0.13198974153192916,"num_words":101,"start":1443.6649,"end":1474.855},{"sentences":[{"text":"So we discussed about going back and looking at TBD and trying to get you a better definition.","start":1475.0751,"end":1480.51,"sentiment":"neutral","sentiment_score":-0.07378562229375045},{"text":"After going to the pre assessment, my team pre assessed it with the different insurers out there, and Zurich came back to be one of the better costings.","start":1481.53,"end":1489.07,"sentiment":"neutral","sentiment_score":0.005273864338440555},{"text":"And they came back noting that based on what they had, they were willing to offer TBD to you within any occupation definition.","start":1489.21,"end":1497.6749,"sentiment":"neutral","sentiment_score":0.05035781649791676},{"text":"This just essentially means that in the event that you're unable to go back to work again, you just need to be unable to ever go back to work in any occupation for which you were educated or trained or have worked.","start":1498.0549,"end":1509.52,"sentiment":"neutral","sentiment_score":-0.02504810846100251},{"text":"So it is a much easier definition to claim on rather than ADL, albeit it is harder because they look at any occupation.","start":1510.0599,"end":1516.72,"sentiment":"neutral","sentiment_score":0.031746093831632446}],"sentiment":"neutral","sentiment_score":-0.0025679374447287015,"num_words":134,"start":1475.0751,"end":1516.72},{"sentences":[{"text":"However, you are more likely to claim on this rather than the ADL definition, if that makes sense.","start":1517.58,"end":1522.785,"sentiment":"neutral","sentiment_score":0.052614628026882805},{"text":"Yeah.","start":1524.7051,"end":1525.2051,"sentiment":"neutral","sentiment_score":-0.01637359894812107},{"text":"So, essentially, I am making a recommendation that we do replace your current towel, life, and TBD with Zurich.","start":1525.265,"end":1531.8251,"sentiment":"neutral","sentiment_score":0.04895461081086021},{"text":"It does mean you'll go through a new application to have this placed in force.","start":1531.8251,"end":1535.525,"sentiment":"neutral","sentiment_score":0.08612241993347804},{"text":"We do expect when this comes to force that there will be a mental health exclusion.","start":1536.0599,"end":1540.7999,"sentiment":"neutral","sentiment_score":-0.16529222717508674}],"sentiment":"neutral","sentiment_score":0.00736214456728835,"num_words":69,"start":1517.58,"end":1540.7999},{"sentences":[{"text":"You do have a mental health exclusion on your current policy, which doesn't really make sense to me how an ADL policy can have a mental health exclusion, but they have applied it anyway.","start":1541.26,"end":1551.6749,"sentiment":"neutral","sentiment_score":-0.16257828375434175},{"text":"So that mental health exclusion based on your pre assessment is expected to be added to the newer policy as well.","start":1552.695,"end":1559.835,"sentiment":"neutral","sentiment_score":0.00020911172032356295},{"text":"There was also some blood pressure that was noted.","start":1560.375,"end":1564.39,"sentiment":"neutral","sentiment_score":-0.07202261396580273},{"text":"The insurers haven't come back noting that there could be anything, you know, with regard to the blood pressure, but they will assess your health.","start":1564.5299,"end":1571.4299,"sentiment":"neutral","sentiment_score":-0.09151302620768548},{"text":"They may ask for additional tests, and they may request doctor's records as well just before they put the policy in force to confirm if there are any additional loadings or exclusions or altered terms that they would apply.","start":1572.0499,"end":1583.7949,"sentiment":"neutral","sentiment_score":-0.052847827068315104}],"sentiment":"neutral","sentiment_score":-0.08219034951616777,"num_words":128,"start":1541.26,"end":1583.7949},{"sentences":[{"text":"If there is, they would come back to us first, but we just like to make sure that you're aware of the risks of doing so.","start":1584.0149,"end":1589.97,"sentiment":"neutral","sentiment_score":-0.15975497548396772},{"text":"But at the end of the day, as long as there's nothing that comes out, having this life and TBD, it's actually cheaper than what you're currently paying for, and it provides you with a greater level of cover of t TBD, which allows you to claim in the event of you being not able to go back to work again and meet you at any occupation definition.","start":1590.21,"end":1608.355,"sentiment":"neutral","sentiment_score":0.33014509684461},{"text":"Does that make sense?","start":1608.495,"end":1609.2949,"sentiment":"neutral","sentiment_score":0.09750291518867016},{"text":"Do you have any questions?","start":1609.2949,"end":1610.595,"sentiment":"neutral","sentiment_score":0.02869049571454525},{"text":"Yeah.","start":1613.2949,"end":1613.7949,"sentiment":"neutral","sentiment_score":-0.14847597479820251}],"sentiment":"neutral","sentiment_score":0.1796271671863416,"num_words":104,"start":1584.0149,"end":1613.7949},{"sentences":[{"text":"I absolutely.","start":1614.975,"end":1615.955,"sentiment":"neutral","sentiment_score":-0.29759640991687775},{"text":"I think that's one of the biggest risks we have when it comes to insurances is that we hold the policy, we pay the premiums, and then we never actually claim on it.","start":1616.255,"end":1624.73,"sentiment":"negative","sentiment_score":-0.4977163789850293},{"text":"So we get to retirement, and we just, yeah, we just cancel it.","start":1624.73,"end":1628.8301,"sentiment":"neutral","sentiment_score":-0.27714950419389284},{"text":"We do have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something.","start":1629.13,"end":1637.845,"sentiment":"neutral","sentiment_score":-0.18256523348391057},{"text":"Life cover, someone's passed away, TBD.","start":1638.0651,"end":1640.405,"sentiment":"neutral","sentiment_score":-0.22014222790797552}],"sentiment":"neutral","sentiment_score":-0.3111302083794107,"num_words":94,"start":1614.975,"end":1640.405},{"sentences":[{"text":"You're never able to go back to work again and suffering a disability.","start":1640.465,"end":1643.525,"sentiment":"neutral","sentiment_score":-0.21928324493078086},{"text":"So, yeah, it's one of those, yeah, one of those things.","start":1643.745,"end":1648.76,"sentiment":"neutral","sentiment_score":-0.10639769177545201},{"text":"It's got some positives and some negatives to it, unfortunately.","start":1648.76,"end":1651.5,"sentiment":"neutral","sentiment_score":-0.23587584495544434},{"text":"Yeah.","start":1653.56,"end":1654.06,"sentiment":"neutral","sentiment_score":0.04233863204717636},{"text":"Yeah.","start":1656.6,"end":1657.1,"sentiment":"neutral","sentiment_score":0.07526298612356186}],"sentiment":"neutral","sentiment_score":-0.17395037847260633,"num_words":36,"start":1640.465,"end":1657.1},{"sentences":[{"text":"Absolutely.","start":1657.32,"end":1657.82,"sentiment":"neutral","sentiment_score":0.2056034654378891},{"text":"And so with that level of cover, we're keeping it at the 701,984, which is the current level of cover you have.","start":1658.52,"end":1665.735,"sentiment":"neutral","sentiment_score":0.14313324744051154},{"text":"That was the cover we discussed, and you came back and said that you were fairly comfortable with that level of cover.","start":1666.515,"end":1671.555,"sentiment":"neutral","sentiment_score":0.1825985051691532},{"text":"Does that still sound fairly accurate?","start":1671.555,"end":1673.3351,"sentiment":"neutral","sentiment_score":0.09500914439558983},{"text":"Yep.","start":1674.995,"end":1675.495,"sentiment":"neutral","sentiment_score":0.07492657005786896}],"sentiment":"neutral","sentiment_score":0.1541669896015754,"num_words":52,"start":1657.32,"end":1675.495},{"sentences":[{"text":"Yep.","start":1675.7151,"end":1676.13,"sentiment":"neutral","sentiment_score":0.1672811210155487},{"text":"Beautiful.","start":1676.53,"end":1677.03,"sentiment":"positive","sentiment_score":0.5476802587509155},{"text":"Excellent.","start":1677.49,"end":1677.99,"sentiment":"positive","sentiment_score":0.5182129144668579},{"text":"The current level of cover that you are paying for at the moment, I'm just going back up because I have it set.","start":1678.6901,"end":1683.65,"sentiment":"neutral","sentiment_score":0.11496963109011235},{"text":"But the new cover, the yearly premium expected to be deducted out of super would be $1,390.59.","start":1683.65,"end":1691.27,"sentiment":"neutral","sentiment_score":0.05000621967894189}],"sentiment":"neutral","sentiment_score":0.10994375683367252,"num_words":43,"start":1675.7151,"end":1691.27},{"sentences":[{"text":"You'll see on that page there, it's got $16.35.","start":1691.885,"end":1694.5249,"sentiment":"neutral","sentiment_score":0.052349869161844254},{"text":"That's how much the insurer receives to the policy, but you do get a 15% discount when it is deducted out of super.","start":1694.5249,"end":1701.1849,"sentiment":"neutral","sentiment_score":0.0794029867519503},{"text":"Essentially, having a look at the cover you have at the moment, So your licensed TPD with TAL, you're currently paying it is $2,105.94.","start":1701.725,"end":1714.68,"sentiment":"neutral","sentiment_score":0.018055148034666974},{"text":"That's how much the insurer receives.","start":1715.06,"end":1717.0,"sentiment":"neutral","sentiment_score":0.02457900003840526},{"text":"How much you have paid out of super is about 1,790.","start":1717.325,"end":1721.345,"sentiment":"neutral","sentiment_score":0.045931911265308205}],"sentiment":"neutral","sentiment_score":0.04634885061277102,"num_words":73,"start":1691.885,"end":1721.345},{"sentences":[{"text":"So it's a much better definition, but it's also a cheaper policy, which is important.","start":1721.485,"end":1726.385,"sentiment":"neutral","sentiment_score":0.13581096132596335},{"text":"Yeah.","start":1728.445,"end":1728.945,"sentiment":"neutral","sentiment_score":0.027384737506508827},{"text":"Do you yeah.","start":1729.85,"end":1731.6901,"sentiment":"neutral","sentiment_score":0.014799822121858597},{"text":"That's that's it.","start":1731.6901,"end":1733.29,"sentiment":"neutral","sentiment_score":0.020052586992581684},{"text":"Do you have any questions in relations at at the moment, Daniel?","start":1733.29,"end":1736.43,"sentiment":"neutral","sentiment_score":0.026829200331121683}],"sentiment":"neutral","sentiment_score":0.07326637613860999,"num_words":34,"start":1721.485,"end":1736.43},{"sentences":[{"text":"No?","start":1737.6901,"end":1738.17,"sentiment":"neutral","sentiment_score":-0.04505191370844841},{"text":"That's okay.","start":1738.17,"end":1739.0701,"sentiment":"neutral","sentiment_score":0.01757320761680603},{"text":"Beautiful.","start":1739.13,"end":1739.63,"sentiment":"positive","sentiment_score":0.7158204913139343},{"text":"Again, I've got the best interest to do there for you.","start":1740.01,"end":1742.17,"sentiment":"positive","sentiment_score":0.484182899648493},{"text":"I have gone through a lot of the advantages, disadvantages, the risks involved, but you're welcome to take some time to read through those as well.","start":1742.17,"end":1748.745,"sentiment":"neutral","sentiment_score":0.230274035810278}],"sentiment":"neutral","sentiment_score":0.29314760536682316,"num_words":41,"start":1737.6901,"end":1748.745},{"sentences":[{"text":"Okay?","start":1748.8049,"end":1749.3049,"sentiment":"neutral","sentiment_score":0.3303062915802002},{"text":"That's okay.","start":1750.8049,"end":1751.705,"sentiment":"neutral","sentiment_score":0.26677466928958893},{"text":"And then if you scroll down a little bit further for me, we're going down to page number 20 30 now.","start":1752.1649,"end":1758.745,"sentiment":"neutral","sentiment_score":0.05423696844705513},{"text":"Yep.","start":1760.4049,"end":1760.9049,"sentiment":"neutral","sentiment_score":0.1026780754327774},{"text":"So this has got your current towel policy noted and how much you technically have paid for that for the year.","start":1761.15,"end":1768.29,"sentiment":"neutral","sentiment_score":0.10653581257377352}],"sentiment":"neutral","sentiment_score":0.0944078718919469,"num_words":46,"start":1748.8049,"end":1768.29},{"sentences":[{"text":"Yeah.","start":1768.35,"end":1768.85,"sentiment":"neutral","sentiment_score":0.13095232844352722},{"text":"So how this would essentially work is if you decide to take on the recommendations, we'll start by simply doing the investment switch within super.","start":1769.39,"end":1776.53,"sentiment":"neutral","sentiment_score":0.1988019198179245},{"text":"That will all happen nice and easy in the background so we can sell off the old investments and purchase into the new ones for you, replacing any underperforming investments.","start":1776.755,"end":1785.0951,"sentiment":"neutral","sentiment_score":0.25399028894801934},{"text":"And then we'll book you in to go through a new application with our admin team.","start":1785.9551,"end":1789.9751,"sentiment":"neutral","sentiment_score":0.16324915550649166},{"text":"They will go through the application for the Zurich policy.","start":1790.38,"end":1793.36,"sentiment":"neutral","sentiment_score":0.14377057775855065}],"sentiment":"neutral","sentiment_score":0.20451708851245845,"num_words":82,"start":1768.35,"end":1793.36},{"sentences":[{"text":"We'll keep the towel policy enforced so that you do have that level of protection whilst the application for Zurich is going through.","start":1793.5,"end":1801.2,"sentiment":"neutral","sentiment_score":0.17906841506128726},{"text":"Once the new policy is approved and the provider provides the terms, so long as they're acceptable and as per what we've noted here, then we can go forward and and cancel the towel policy.","start":1801.5,"end":1814.155,"sentiment":"neutral","sentiment_score":-0.001818356556551797},{"text":"We would never cancel the towel policy prior to the Zurich policy being placed in force because we have to go through the underwriting.","start":1814.375,"end":1820.96,"sentiment":"neutral","sentiment_score":-0.04836825902263323},{"text":"We obviously do the pre assessments with you and blind pre assessments with the insurers to look at the terms that might be offered, but it all does come to down to what the what they assess when it goes to the underwriting process.","start":1821.42,"end":1832.565,"sentiment":"neutral","sentiment_score":0.02060303202068264},{"text":"So we keep this as a backup policy until the new one is enforced, and then we go ahead and cancel this policy.","start":1832.565,"end":1838.9049,"sentiment":"neutral","sentiment_score":0.04373235271676727}],"sentiment":"neutral","sentiment_score":0.03225819041464953,"num_words":149,"start":1793.5,"end":1838.9049},{"sentences":[{"text":"To give you a little bit of peace of mind, once this policy is canceled, the insurers will go back and look at how much you have paid for the year on the policy, and they'll provide a refund pro rata and that goes back into your super fund.","start":1839.6849,"end":1852.32,"sentiment":"neutral","sentiment_score":0.29628508705265666},{"text":"So you're not out of pocket for the year.","start":1852.32,"end":1854.1599,"sentiment":"positive","sentiment_score":0.3338066538174947},{"text":"They will refund you as pro rata there to make it easier, but it will also happen in after we get that Zurich policy placed in force there for you.","start":1854.1599,"end":1863.675,"sentiment":"neutral","sentiment_score":0.054063205048441886},{"text":"Does that make sense?","start":1863.675,"end":1864.8151,"sentiment":"neutral","sentiment_score":0.04298730939626694},{"text":"Yep.","start":1865.275,"end":1865.775,"sentiment":"neutral","sentiment_score":0.13620427250862122}],"sentiment":"neutral","sentiment_score":0.20916428829553307,"num_words":93,"start":1839.6849,"end":1865.775},{"sentences":[{"text":"Beautiful.","start":1866.475,"end":1866.975,"sentiment":"positive","sentiment_score":0.5587456226348877},{"text":"Obviously, having a look at the advantage of this one, it does save you about $399, which is great.","start":1868.155,"end":1873.92,"sentiment":"positive","sentiment_score":0.5346169503111589},{"text":"Any saving that you can keep within your super fund is good.","start":1873.92,"end":1876.98,"sentiment":"positive","sentiment_score":0.6399768243233362},{"text":"However, all insurance policies do get more expensive, so we wanna review these with you each year to make sure the cover remains in line with what you wanted to cover, but that's not eating away your super too much as well because, eventually, they do get very expensive.","start":1877.4401,"end":1891.425,"sentiment":"neutral","sentiment_score":-0.05669375478613133},{"text":"I have seen some people in their fifties and sixties holding TBD in life, and their their premiums are in within the 20 and $30,000 limit.","start":1891.425,"end":1900.145,"sentiment":"neutral","sentiment_score":-0.17659730521532205}],"sentiment":"neutral","sentiment_score":0.10305295000287974,"num_words":107,"start":1866.475,"end":1900.145},{"sentences":[{"text":"So it's pretty horrendous how in expensive these can get over time.","start":1900.145,"end":1903.94,"sentiment":"negative","sentiment_score":-0.3840877215067546},{"text":"I know.","start":1903.94,"end":1904.68,"sentiment":"neutral","sentiment_score":-0.1111752688884735},{"text":"So we will just make sure that that these premiums don't eat away all of your super.","start":1905.3,"end":1909.72,"sentiment":"neutral","sentiment_score":-0.09391719584955889},{"text":"And the idea is you have a higher level of cover now.","start":1909.94,"end":1912.74,"sentiment":"neutral","sentiment_score":-0.015702492247025173},{"text":"You've probably got more debt there, and your super balance is a little bit lower.","start":1912.74,"end":1916.435,"sentiment":"neutral","sentiment_score":-0.08086631099383036}],"sentiment":"neutral","sentiment_score":-0.1349900016753838,"num_words":58,"start":1900.145,"end":1916.435},{"sentences":[{"text":"So as your super balance increases, as our debt level decreases, we should be able to also decrease our insurance cover along with that as well.","start":1916.435,"end":1923.9551,"sentiment":"neutral","sentiment_score":-0.05152283164744194},{"text":"Okay.","start":1923.9551,"end":1924.4551,"sentiment":"neutral","sentiment_score":0.06933191418647766},{"text":"Excellent.","start":1926.86,"end":1927.18,"sentiment":"positive","sentiment_score":0.42512667179107666},{"text":"And then the last recommendation for you is on page 33, and this is just making sure that with that new Zurich life policy, that we do have the binding non lapsing beneficiary nomination in place to make sure that Kylie is nominated that if in the event you were to pass away, along with your super being paid out, she can receive the life benefit paid out nice and easily as well.","start":1927.18,"end":1947.805,"sentiment":"neutral","sentiment_score":0.24123840605559416},{"text":"Okay.","start":1947.865,"end":1948.365,"sentiment":"neutral","sentiment_score":0.12255053222179411}],"sentiment":"neutral","sentiment_score":0.16556685428847284,"num_words":102,"start":1916.435,"end":1948.365},{"sentences":[{"text":"Beautiful.","start":1949.4651,"end":1949.9651,"sentiment":"positive","sentiment_score":0.3863164186477661},{"text":"Easy.","start":1950.3451,"end":1950.8451,"sentiment":"positive","sentiment_score":0.38227641582489014},{"text":"That is essentially majority of the recommendations.","start":1951.4651,"end":1953.645,"sentiment":"neutral","sentiment_score":0.26063826254435946},{"text":"But do you have any questions in relation to any of that?","start":1954.185,"end":1956.64,"sentiment":"neutral","sentiment_score":0.11710544551412265},{"text":"Is there any questions, concerns, or anything you wanted me to kinda run through in more detail for you?","start":1956.64,"end":1961.7,"sentiment":"neutral","sentiment_score":0.10936292927516134}],"sentiment":"neutral","sentiment_score":0.15190554186701774,"num_words":40,"start":1949.4651,"end":1961.7},{"sentences":[{"text":"Thank you.","start":1968.4,"end":1969.3,"sentiment":"positive","sentiment_score":0.4103764295578003},{"text":"Thank you.","start":1969.6,"end":1970.295,"sentiment":"positive","sentiment_score":0.4074484705924988},{"text":"Yeah.","start":1972.8551,"end":1973.3551,"sentiment":"neutral","sentiment_score":0.19134873151779175},{"text":"Beautiful.","start":1974.135,"end":1974.635,"sentiment":"positive","sentiment_score":0.6218733191490173},{"text":"Mhmm.","start":1979.9751,"end":1980.4751,"sentiment":"neutral","sentiment_score":-0.011914909817278383}],"sentiment":"positive","sentiment_score":0.34813670587858986,"num_words":7,"start":1968.4,"end":1980.4751},{"sentences":[{"text":"It'll be an insurance application.","start":1982.39,"end":1984.0901,"sentiment":"neutral","sentiment_score":0.003166682395385578},{"text":"Essentially, if they do assess anything as possible with mental health, they tend to request doctor's records just to make sure that there's no and it's essentially bad, but suicide attempts and things like that noted.","start":1984.9501,"end":1996.7301,"sentiment":"neutral","sentiment_score":-0.21406169701367617},{"text":"Those sorts of things do have a very big impact on the insurance application.","start":1997.265,"end":2001.685,"sentiment":"neutral","sentiment_score":-0.28357598398412975},{"text":"So we'll start yeah.","start":2001.8251,"end":2004.165,"sentiment":"neutral","sentiment_score":0.07577919214963913},{"text":"So we'll just start by going through the application with you with our team member.","start":2004.225,"end":2008.645,"sentiment":"neutral","sentiment_score":0.18338655481735866}],"sentiment":"neutral","sentiment_score":-0.11630454547884182,"num_words":74,"start":1982.39,"end":2008.645},{"sentences":[{"text":"If the insurance application then gets submitted to Zurich, and then Zurich will they will request medical.","start":2008.7051,"end":2015.37,"sentiment":"neutral","sentiment_score":0.04919722018872991},{"text":"So they get you to sign an authority, and they request the medical records from the doctors if they require any additional tests.","start":2015.37,"end":2022.67,"sentiment":"neutral","sentiment_score":0.008457267413968626},{"text":"So sometimes with things like high blood pressure or depending on what it is, they sometimes get a nurse to come and see you and take blood and or urine samples just so they can kind of get the test done if they need to have them updated.","start":2022.73,"end":2034.275,"sentiment":"neutral","sentiment_score":-0.13956601110597452},{"text":"We don't really know what they're gonna expect out of that or whether any of that's gonna be required until we go through the application.","start":2034.895,"end":2041.155,"sentiment":"neutral","sentiment_score":-0.2990872159600258},{"text":"But just based on my knowledge and understanding, once we go through the application, based on the mental health exclusion expected, they will request some doctor's reports just to have a look at your mental health records and see, you know, if an exclusion is suitable, if they find that, you know, they're sometimes they come back and go, hey.","start":2041.83,"end":2059.7148,"sentiment":"neutral","sentiment_score":-0.048387999087572096}],"sentiment":"neutral","sentiment_score":-0.09276739296885585,"num_words":173,"start":2008.7051,"end":2059.7148},{"sentences":[{"text":"We're not gonna add the exclusion to standard base, but sometimes there is.","start":2059.7148,"end":2063.315,"sentiment":"neutral","sentiment_score":-0.12186690305288021},{"text":"So I just like to give you my, you know, worst case scenario.","start":2063.315,"end":2066.775,"sentiment":"neutral","sentiment_score":0.1319643259048462},{"text":"This is what I've assessed as based on everything, and then we'll go from there for you.","start":2066.835,"end":2071.94,"sentiment":"neutral","sentiment_score":0.22221990104983835},{"text":"But they don't always need, you know, extra tests and things like that.","start":2071.94,"end":2075.6199,"sentiment":"neutral","sentiment_score":-0.2023278778562179},{"text":"It all just comes down to how they assess it, and we try to keep in contact with them very regularly to make sure we what's happening, and you're welcome to let me know if you have questions or concerns.","start":2075.6199,"end":2085.865,"sentiment":"neutral","sentiment_score":0.11238936856389045}],"sentiment":"neutral","sentiment_score":0.06014913693070412,"num_words":96,"start":2059.7148,"end":2085.865},{"sentences":[{"text":"And then when they provide the offer of cover, it comes to us.","start":2086.805,"end":2090.565,"sentiment":"neutral","sentiment_score":0.054099676557458364},{"text":"If there's some terms that we're not comfortable with, I'll go back and ask and fight and see what I can do to assess that So long as everything comes back as per what we know here, there shouldn't be any problems, and we'll just place that in force there for you.","start":2090.565,"end":2104.47,"sentiment":"neutral","sentiment_score":0.1065642934005994},{"text":"Okay?","start":2104.47,"end":2104.97,"sentiment":"neutral","sentiment_score":0.06718825548887253},{"text":"Excellent.","start":2106.3901,"end":2106.8901,"sentiment":"neutral","sentiment_score":0.0009213760495185852},{"text":"Yeah.","start":2109.91,"end":2110.41,"sentiment":"neutral","sentiment_score":0.2438606470823288}],"sentiment":"neutral","sentiment_score":0.09642072545145364,"num_words":68,"start":2086.805,"end":2110.41},{"sentences":[{"text":"Beautiful.","start":2110.79,"end":2111.29,"sentiment":"positive","sentiment_score":0.4829779863357544},{"text":"Yeah.","start":2115.8848,"end":2116.2048,"sentiment":"neutral","sentiment_score":0.13020510971546173},{"text":"That's good.","start":2116.2048,"end":2117.005,"sentiment":"neutral","sentiment_score":0.30518101900815964},{"text":"That's excellent.","start":2117.005,"end":2117.7449,"sentiment":"positive","sentiment_score":0.5271418392658234},{"text":"Beautiful.","start":2122.845,"end":2123.345,"sentiment":"positive","sentiment_score":0.6492482423782349}],"sentiment":"positive","sentiment_score":0.41815386499677387,"num_words":7,"start":2110.79,"end":2123.345},{"sentences":[{"text":"The excellent.","start":2123.4849,"end":2124.4448,"sentiment":"positive","sentiment_score":0.5634163916110992},{"text":"The last thing I just wanted to show you just because I like to be full with my disclosure.","start":2124.4448,"end":2128.95,"sentiment":"neutral","sentiment_score":0.14467848641307732},{"text":"On page number 37, we do outline the remuneration side of things.","start":2129.01,"end":2132.93,"sentiment":"neutral","sentiment_score":0.09660917023817699},{"text":"So it is really important that we open and let you know that we do receive remuneration from the insurer for writing insurance products.","start":2132.93,"end":2140.755,"sentiment":"neutral","sentiment_score":0.1359420195221901},{"text":"This has no reflection on why I've made the recommendation.","start":2140.755,"end":2144.295,"sentiment":"neutral","sentiment_score":0.056538043171167375}],"sentiment":"neutral","sentiment_score":0.1322839248981049,"num_words":67,"start":2123.4849,"end":2144.295},{"sentences":[{"text":"I've made the recommendation because it's in your best interest and because it gives you a better level of TBD.","start":2144.355,"end":2149.095,"sentiment":"neutral","sentiment_score":0.20688405632972717},{"text":"However, we will receive 66% of the first year's premium from the insurer, not from you, and 22%, they're ongoing as well.","start":2150.035,"end":2158.16,"sentiment":"neutral","sentiment_score":0.09172264876013453},{"text":"Just we just disclosed that so you're fully aware.","start":2158.3801,"end":2161.28,"sentiment":"neutral","sentiment_score":0.07225580679045783},{"text":"Okay?","start":2161.42,"end":2161.92,"sentiment":"neutral","sentiment_score":0.04499351978302002},{"text":"Yeah.","start":2166.14,"end":2166.46,"sentiment":"neutral","sentiment_score":-0.0154955442994833}],"sentiment":"neutral","sentiment_score":0.12896942709273887,"num_words":53,"start":2144.355,"end":2166.46},{"sentences":[{"text":"Well, it's only a very small amount based on the premiums because I wanted to reduce the premiums and make it as cheap as possible for you.","start":2166.46,"end":2173.215,"sentiment":"neutral","sentiment_score":0.0876145812648314},{"text":"But, essentially, it's about a thousand dollars upfront, a thousand and 80 for the first year, and then about $360 ongoing based on the the projected ongoing premium there.","start":2173.215,"end":2184.79,"sentiment":"neutral","sentiment_score":0.10014854011864498},{"text":"So not a huge amount, but it's, you know, it's standard across the board there.","start":2184.79,"end":2190.07,"sentiment":"neutral","sentiment_score":0.18391874680916467},{"text":"So we just wanna make sure we disclose that to you, essentially.","start":2190.07,"end":2193.05,"sentiment":"neutral","sentiment_score":0.009049378257865707},{"text":"Okay?","start":2193.43,"end":2193.93,"sentiment":"neutral","sentiment_score":0.02969547174870968}],"sentiment":"neutral","sentiment_score":0.09722584012585382,"num_words":84,"start":2166.46,"end":2193.93},{"sentences":[{"text":"Excellent.","start":2195.9648,"end":2196.4648,"sentiment":"positive","sentiment_score":0.7932206392288208},{"text":"Beautiful.","start":2196.605,"end":2197.105,"sentiment":"positive","sentiment_score":0.7682427763938904},{"text":"Do you have any questions or anything you wanted me to kinda go through in more detail for you?","start":2197.165,"end":2201.905,"sentiment":"neutral","sentiment_score":0.2732870594451302},{"text":"No?","start":2203.805,"end":2204.305,"sentiment":"neutral","sentiment_score":-0.049483660608530045},{"text":"Beautiful.","start":2205.325,"end":2205.825,"sentiment":"positive","sentiment_score":0.5324641466140747}],"sentiment":"neutral","sentiment_score":0.31464774048198824,"num_words":23,"start":2195.9648,"end":2205.825},{"sentences":[{"text":"Lovely.","start":2205.885,"end":2206.285,"sentiment":"positive","sentiment_score":0.632612943649292},{"text":"Well, you're welcome to take it back and have a read through the document there.","start":2206.285,"end":2209.56,"sentiment":"positive","sentiment_score":0.34680597186088563},{"text":"If you do find you have any questions, you're welcome to let me know.","start":2209.8,"end":2212.84,"sentiment":"neutral","sentiment_score":0.26629048053707394},{"text":"And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as well.","start":2212.84,"end":2218.36,"sentiment":"neutral","sentiment_score":0.2710665911436081},{"text":"Okay?","start":2218.36,"end":2218.86,"sentiment":"neutral","sentiment_score":0.05799321085214615}],"sentiment":"neutral","sentiment_score":0.2932065572250973,"num_words":55,"start":2205.885,"end":2218.86},{"sentences":[{"text":"Yep.","start":2219.48,"end":2219.98,"sentiment":"neutral","sentiment_score":0.16403761506080627},{"text":"Beautiful.","start":2220.36,"end":2220.86,"sentiment":"positive","sentiment_score":0.6448818445205688},{"text":"Thank you so much for your time this afternoon, Daniel.","start":2221.08,"end":2223.96,"sentiment":"positive","sentiment_score":0.8274960994720459},{"text":"I really appreciate it.","start":2223.96,"end":2225.34,"sentiment":"positive","sentiment_score":0.8374174237251282},{"text":"No worries.","start":2229.295,"end":2230.015,"sentiment":"neutral","sentiment_score":0.11546790599822998}],"sentiment":"positive","sentiment_score":0.7035825533999337,"num_words":18,"start":2219.48,"end":2230.015},{"sentences":[{"text":"Well, I I will let you go to enjoy your afternoon.","start":2230.015,"end":2233.315,"sentiment":"positive","sentiment_score":0.4958579784089869},{"text":"And, yeah, I'll talk to you very soon.","start":2234.2588,"end":2236.6787,"sentiment":"neutral","sentiment_score":0.28981802240014076},{"text":"Thanks, Daniel.","start":2239.139,"end":2240.0989,"sentiment":"positive","sentiment_score":0.7411244511604309},{"text":"My pleasure.","start":2240.0989,"end":2240.7388,"sentiment":"positive","sentiment_score":0.7811345756053925},{"text":"See you later.","start":2240.7388,"end":2241.5588,"sentiment":"positive","sentiment_score":0.5560642083485922}],"sentiment":"positive","sentiment_score":0.48021894693374634,"num_words":26,"start":2230.015,"end":2241.5588},{"sentences":[{"text":"Bye.","start":2243.0588,"end":2243.5588,"sentiment":"neutral","sentiment_score":0.2027391642332077}],"sentiment":"neutral","sentiment_score":0.2027391642332077,"num_words":1,"start":2243.0588,"end":2243.5588}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I'm pretty good. And yourself? Yeah. I'm just gardening. So, yeah, why not? Why not? Yeah. I could. Yeah. Yep. Yep. Alright. Oh, yeah? Winning slowly. Yeah. Yep. Sure. Daniel Davies. 04/24/1977. And what was the other? Was there something else? That was it? Nope. That was it. Yep. Oh, my address. Sorry. 3 Anvil Road, Jinra. Sorry. So on request. Yep. Yeah. There's a document. Statement. Sign document? Oh, yeah. Alright. So I got the statement of of advice. Yep. Yep. Broadia. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Nah. Pretty good. Yeah. We could go with that for now. Yep. Yep. Not all good. Yes. Yep. Uh-huh. Mhmm. Yep. Mhmm. Yep. Yeah. I'm struggling to see a little bit. Maybe with me always. But anyway yeah. Five 15. Yeah. It is a little bit. Yeah. Yep. But that's alright. Alright. Yep. One moment. Like, 15. Yep. Yep. Yep. Mhmm. Yep. Yep. Hey, Jay. It ain't Yeah. Hang on a sec. Just get myself some glasses. I'm struggling struggling to see. Hey, Jane. Yep. Wanna do it. Yep. Yep. Sounds good. Yeah. Hell, they haven't saved so much money. See Yep. Yep. Mhmm. Yeah. Yep. Yep. Yeah. That's good. No. That's all good. That's all hypothetical too, I guess. So, you know, you got no problem happening. But yeah. So that's right. Yep. Yep. Yeah. Yep. Yep. No worries. No. No. Not at this stage. No. Yep. Yep. Okay. Florida. Mhmm. Mhmm. Alrighty. Yep. Yep. Yeah. Okay. Mhmm. Gold. Yeah. Gold. Yep. No. Not really, but it's interesting to see it like that. I've never looked at it like that before. So yeah. Yeah. Yep. So how does how does the the get high? Or is that just because it's or what is that? What is that? Yes. Yes. Yes. Yeah. Mhmm. Alright. Cool. Yep. Yep. Yeah. Sure. Yep. Yes, ma'am. Yep. Yeah. Yep. Yep. No. It makes sense. And hopefully, it never comes with that. Yeah. Never hope to use it. Yeah. Yeah. Yep. Yeah. Exactly. Yep. Yep. As long as my family's covered, if something ever happens to me, that's the main thing. Correct? Yeah. Yeah. That's what I'm gonna yep. Yep. Alright. Yeah. Yep. That's the main name of the game, isn't it? A pays mark? No. No. I appreciate that. Thank you. 30. Oh, dear. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Oh, it can't. Yep. Yep. Yep. Yep. Yep. No. Look look, it's yeah. Look, I know you got me I'm in good hands, I reckon, with you guys. So I I think that everything should be fine. So, yeah, it's a matter of, yeah, so the change over with Zurich, so I've gotta do another medical or something. Yep. Yep. I bet they do. Yeah. Yep. Oh, absolutely. Yeah. Yep. Yep. Yeah. No worries. Yeah. I don't know. Things are health wise are pretty good anyway. So yeah. Like, you know so oh, I I I think I am anyway. So yeah. Yeah. So yeah. No. That's all good. Easy. Yep. Yep. Well, you gotta make money from me. I don't know if this. Something. Yep. Yep. No worries. Yep. No. I think I'm pretty right, Sunil. Yeah. Yep. Yep. Yeah. Cool. No worries. Alright. Thank you. Yeah. All good. All good. No. Okay. Good on you. Thanks again once again, cheap. Okay. Have a good evening. See you. 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Yeah. I'm pretty good. And yourself? Yeah.\n\nI'm just gardening. So, yeah, why not? Why not? Yeah. I could.\n\nYeah. Yep. Yep. Alright. Oh, yeah?\n\nWinning slowly. Yeah. Yep. Sure. Daniel Davies.\n\n04/24/1977. And what was the other? Was there something else? That was it? Nope.\n\nThat was it. Yep. Oh, my address. Sorry. 3 Anvil Road, Jinra.\n\nSorry. So on request. Yep. Yeah. There's a document.\n\nStatement. Sign document? Oh, yeah. Alright. So I got the statement of of advice.\n\nYep. Yep. Broadia. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nNah. Pretty good. Yeah. We could go with that for now. Yep.\n\nYep. Not all good. Yes. Yep. Uh-huh.\n\nMhmm. Yep. Mhmm. Yep. Yeah.\n\nI'm struggling to see a little bit. Maybe with me always. But anyway yeah. Five 15. Yeah.\n\nIt is a little bit. Yeah. Yep. But that's alright. Alright.\n\nYep. One moment. Like, 15. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Hey, Jay.\n\nIt ain't Yeah. Hang on a sec. Just get myself some glasses. I'm struggling struggling to see. Hey, Jane.\n\nYep. Wanna do it. Yep. Yep. Sounds good.\n\nYeah. Hell, they haven't saved so much money. See Yep. Yep. Mhmm.\n\nYeah. Yep. Yep. Yeah. That's good.\n\nNo. That's all good. That's all hypothetical too, I guess. So, you know, you got no problem happening. But yeah.\n\nSo that's right. Yep. Yep. Yeah. Yep.\n\nYep. No worries. No. No. Not at this stage.\n\nNo. Yep. Yep. Okay. Florida.\n\nMhmm. Mhmm. Alrighty. Yep. Yep.\n\nYeah. Okay. Mhmm. Gold. Yeah.\n\nGold. Yep. No. Not really, but it's interesting to see it like that. I've never looked at it like that before.\n\nSo yeah. Yeah. Yep. So how does how does the the get high? Or is that just because it's or what is that?\n\nWhat is that? Yes. Yes. Yes. Yeah.\n\nMhmm. Alright. Cool. Yep. Yep.\n\nYeah. Sure. Yep. Yes, ma'am. Yep.\n\nYeah. Yep. Yep. No. It makes sense.\n\nAnd hopefully, it never comes with that. Yeah. Never hope to use it. Yeah. Yeah.\n\nYep. Yeah. Exactly. Yep. Yep.\n\nAs long as my family's covered, if something ever happens to me, that's the main thing. Correct? Yeah. Yeah. That's what I'm gonna yep.\n\nYep. Alright. Yeah. Yep. That's the main name of the game, isn't it?\n\nA pays mark? No. No. I appreciate that. Thank you.\n\n30. Oh, dear. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Oh, it can't.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo. Look look, it's yeah. Look, I know you got me I'm in good hands, I reckon, with you guys. So I I think that everything should be fine. So, yeah, it's a matter of, yeah, so the change over with Zurich, so I've gotta do another medical or something.\n\nYep. Yep. I bet they do. Yeah. Yep.\n\nOh, absolutely. Yeah. Yep. Yep. Yeah.\n\nNo worries. Yeah. I don't know. Things are health wise are pretty good anyway. So yeah.\n\nLike, you know so oh, I I I think I am anyway. So yeah. Yeah. So yeah. No.\n\nThat's all good. Easy. Yep. Yep. Well, you gotta make money from me.\n\nI don't know if this. Something. Yep. Yep. No worries.\n\nYep. No. I think I'm pretty right, Sunil. Yeah. Yep.\n\nYep. Yeah. Cool. No worries. Alright.\n\nThank you. Yeah. All good. All good. No.\n\nOkay. Good on you. Thanks again once again, cheap. Okay. Have a good evening.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.28,"end":3.78,"sentiment":"neutral","sentiment_score":0.033286381512880325},{"text":"Yeah.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.41203975677490234},{"text":"I'm pretty good.","start":9.04,"end":9.679999,"sentiment":"positive","sentiment_score":0.5969420671463013},{"text":"And yourself?","start":9.679999,"end":10.34,"sentiment":"positive","sentiment_score":0.4292591065168381},{"text":"Yeah.","start":16.795,"end":17.195,"sentiment":"neutral","sentiment_score":0.07210308313369751}],"sentiment":"positive","sentiment_score":0.3958467044867575,"num_words":8,"start":3.28,"end":17.195},{"sentences":[{"text":"I'm just gardening.","start":17.195,"end":18.255,"sentiment":"neutral","sentiment_score":0.05714041988054911},{"text":"So, yeah, why not?","start":18.635,"end":20.075,"sentiment":"neutral","sentiment_score":0.023114662617444992},{"text":"Why 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evening.","start":2241.939,"end":2242.8188,"sentiment":"positive","sentiment_score":0.5696443617343903}],"sentiment":"positive","sentiment_score":0.568700128367969,"num_words":14,"start":2236.93,"end":2242.8188},{"sentences":[{"text":"See you.","start":2242.8188,"end":2243.4788,"sentiment":"positive","sentiment_score":0.41402505338191986},{"text":"Bye.","start":2243.7788,"end":2244.2788,"sentiment":"neutral","sentiment_score":-0.09813292324543}],"sentiment":"neutral","sentiment_score":0.2433057278394699,"num_words":3,"start":2242.8188,"end":2244.2788}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Daniel. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Yeah. I'm pretty good. And yourself?\n\nChannel 0: Okay. I'm very well. Thank you. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. I'm just gardening. So, yeah,\n\nChannel 0: Oh,\n\nChannel 1: why not? Why not?\n\nChannel 0: sounds good. Daniel,\n\nChannel 1: Yeah.\n\nChannel 0: I do send a document to you so you can review that with me as we're going through things. Are you able to access your emails there currently?\n\nChannel 1: I could. Yeah. Yep.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. It's just only easier if you're able to see the document as I'm going through it. Otherwise, it can come across like I'm just talking at you, and it can be a lot. So just try to send that through.\n\nChannel 1: Alright.\n\nChannel 0: I've just sent the email. All good. How's\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: yeah?\n\nChannel 0: gardening going?\n\nChannel 1: Winning slowly.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's all good. Beautiful. Now just before I jump into the call and go through the advice with you, we do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. Sure.\n\nChannel 0: Fantastic. And just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here.\n\nChannel 1: Daniel Davies.\n\nChannel 0: Yep.\n\nChannel 1: 04/24/1977. And what\n\nChannel 0: Beautiful.\n\nChannel 1: was the other? Was there something\n\nChannel 0: Alright.\n\nChannel 1: else? That\n\nChannel 0: Address.\n\nChannel 1: was it?\n\nChannel 0: Yes. Sorry.\n\nChannel 1: Nope. That was it. Yep.\n\nChannel 0: Sorry. Your address. My apologies, Daniel.\n\nChannel 1: Oh, my address. Sorry. 3 Anvil Road, Jinra. Sorry.\n\nChannel 0: Lovely. No. No. You're absolutely fine. All good.\n\nNow has that email popped through to you there currently at all? Or\n\nChannel 1: So on request.\n\nChannel 0: yeah. That's the one. If\n\nChannel 1: Yep.\n\nChannel 0: you just press on that one for me, it'll take you through so you can view the document. I'll never ask you to sign anything you haven't read. It's just so you can see the document and run through it with me there. Okay.\n\nChannel 1: Yeah. There's a document.\n\nChannel 0: It should say statement of when you press sign request, it should\n\nChannel 1: Statement.\n\nChannel 0: go. So when you press I believe it says click to sign or sign here. Yeah. And then it should allow you to see the the front of the pay the front heading, a statement of advice.\n\nChannel 1: Sign document? Oh, yeah.\n\nChannel 0: Yep. Yep. What does the next page look like or say?\n\nChannel 1: Alright. So I got the statement of of advice. Yep.\n\nChannel 0: Yep. Perfect. For yourself with the 09/07/2026 on the front there. And on the bottom of that same page, you've got my authorized representative number. So I'm a licensed financial adviser through ASIC, and my registration number is 1304394.\n\nOkay?\n\nChannel 1: Yep. Broadia.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I'll take you to the pages that we need to sort of touch on to make sure we're hitting everything, but then I'll let you go back so you can have some time to read it through as well prior to taking the advice. Okay?\n\nChannel 1: Okay.\n\nChannel 0: If I can move you down forward to the next page, you've got the best interest duty. That's just outlining that any advice we do provide is some sort of under the corporations act, and we have a fiduciary duty to make sure that we are working in your best interest, and that any advice that we do provide is to meeting look sorry. Working towards meeting\n\nChannel 1: Yep.\n\nChannel 0: your goals. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. On page number three, we start with the scoping in and out. So these are areas that we are and are not looking at advice with regard to today. So, essentially, we were looking at superannuation, looking at readjusting the portfolio for you to remove any underperforming investments and make sure your super is working as hard as possible for you. One of your goals was that you were looking to retire as early as possible.\n\nYou had a goal of working towards retirement at the age of 60, which is the earliest possible we can access super currently, and\n\nChannel 1: Yep.\n\nChannel 0: maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to. Does\n\nChannel 1: Yep.\n\nChannel 0: that still sound fairly appropriate to you? Is there any changes you would make to that?\n\nChannel 1: Yep. Nah. Pretty good. Yeah. We could go with\n\nChannel 0: Fantastic.\n\nChannel 1: that for now. Yep.\n\nChannel 0: Excellent. We also have the estate planning side of things in here. Now, realistically, when we sort of spoke, your will and power of attorneys are all up to date and reflective of your wishes, and you do also have a nomination on your current life insurance policy and also your superannuation nominating Kylie in the event\n\nChannel 1: Yep.\n\nChannel 0: of anything happening to you. However, one of the things that we were looking at for you on your behalf was your TBD policy. So as we kinda went through, you do have a a harder definition, the activities of daily living sort of TBD policy. And so you do sort of agree for me to go back and have a look and make a recommendation around attempting to get a better definition of TBD, allowing you if in the event of being disabled or unable to go back to work ever again, making sure you have the best definitions possible to claim on that. So we've gone back and reassessed that for you, and I have been able to come up with an option.\n\nSo, essentially, we are making a recommendation for life and TBD for you. And so I have scoped in the estate planning for the beneficiary nomination as whenever we recommend new super products or new life insurance products, that we also recommend attaching a beneficiary nominations that in line with your goals. Does that make sense? Do you have any questions so far?\n\nChannel 1: Not all good.\n\nChannel 0: No?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And then on the next page, you've got your life and TPD. So your goal there was that you were happy with the life cover level that you had. You were happy to retain the life cover. You were happy to review the t b dev TPD definition to determine whether it could be improved or provide any recommended changes in place to improve your better overall position.\n\nSo I have gone back and looked at the life and the TPD cover and made a recommendation to make sure that you have the best TPD definitions, but also making a recommendation around life. We're retaining the same level of cover that you have, but just making sure you've got the best definitions as possible. And I've also looked at ways to try and save you a bit of money as well on those insurance premiums. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The next phase outlines anything that we're not providing advice around. So we've essentially scoped out the retirement income side of things. So now you are a lot younger. There's we're not able to, you know, project all the way to retirement at this particular stage.\n\nChannel 1: Uh-huh.\n\nChannel 0: As you do get closer to retirement, we will look to scoping that and certainly provide more detailed advice in that area. But right now, we're just looking the next five to ten years to sort of look at how far we can put you in front and keep building on those goals for you. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Excellent. And I've also scoped out the wills and the power of attorney and the beneficiary side of things on your a super policy sorry, on your super fund just because they were all in line with your wishes and so reflected correctly as per your\n\nChannel 1: Mhmm.\n\nChannel 0: Okay. Excellent. Now I'm gonna skip a couple of pages. If I can please ask you to scroll down for me, we're\n\nChannel 1: Yep.\n\nChannel 0: gonna head down to page number 15, and this is where the start of the recommendations do start.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. You're\n\nChannel 1: I'm struggling to see a little bit. Maybe with me always. But\n\nChannel 0: right.\n\nChannel 1: anyway yeah.\n\nChannel 0: Yeah. You're\n\nChannel 1: Five\n\nChannel 0: on\n\nChannel 1: 15.\n\nChannel 0: the phone. It might be a bit smaller there for you.\n\nChannel 1: Yeah. It is a little bit. Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: But that's\n\nChannel 0: That's\n\nChannel 1: alright. Alright. Yep. One moment.\n\nChannel 0: okay. Yep. Beautiful.\n\nChannel 1: Like, 15.\n\nChannel 0: Excellent. So this one here is the start of the recommendations around your super. So, essentially, I did go back and have a look at your super fund as well as all the others out there to see if you win the best possible product for the time being and what we could do to make sure we're replacing any underperforming investments and making your super work as hard as possible. But, also, you know, looking at ways to minimize the fees where possible and also mindful of the capital gains consequences. Because as we kind of went through before, just like you do a tax return every year, so does your super fund.\n\nYour super fund pays income tax and capital gains tax. So whenever we do make changes to your super fund, it is preferable to be mindful of that scenario and making sure that we're not, you know, eating away your super with capital gains tax and fees and things like that as well. So\n\nChannel 1: Yep.\n\nChannel 0: I did go back and have a look at everything and look at the research, and I've recommended that you do retain Hub twenty four. The platform is fine. There's actually a very good platform. It's one of the best ones out there, and it does have more than 1,100 different investment options to choose from when we are looking at switching investments. So pertaining to Superfund for now is still preferable.\n\nChannel 1: Yep.\n\nChannel 0: However, we are recommending that we do switch some investment options. I'll take you through those shortly so you can see the difference there. But I reviewed the portfolio you're in. You still wanted to be in a high growth environment, so taking a bit more risk in the market now to get greater potential returns. And given your time horizon, your risk capacity, that high growth portfolio still absolutely fits where you're at currently.\n\nBut we wanted to make sure that we can look at any investments and update things as we work towards your retirement goals there. So we are recommending an investment switch for you and then just making sure that your employer contributions continue to go into Hub 24 on a regular basis, taking\n\nChannel 1: Yep.\n\nChannel 0: advantage of the dollar cost averaging and building on the the work that the portfolio can do on its own there as well. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: On that page, when you take some time to have a read, you'll notice it's got the best interest duty. All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna skip a few more pages now. If you can scroll down, tell me the page number 18. The heading on this should be fee comparison, and it's a bit of a table.\n\nChannel 1: Hey, Jay. It ain't Yeah. Hang on a sec. Just get myself some glasses.\n\nChannel 0: Yep. Yeah. You're\n\nChannel 1: I'm\n\nChannel 0: fine.\n\nChannel 1: struggling struggling to see. Hey, Jane. Yep. Wanna do it.\n\nChannel 0: Yep. Beautiful. So this has got quite a lovely table here. The first column, which has your current scenario, shows your current hub twenty four super fund with your current balance there. Underneath that, you've got your administration fees, investment fees, our ongoing service fee for us looking after everything, your contributions going in, and then your current insurance premiums noted there as well.\n\nUnderneath that in the investor profile, the second line from the bottom, it does actually know that you're in that high growth environment. And when we look at your current portfolio and how it has performed over the past five years, it's averaged about 4.28%, which is pretty dismal realistically. You're in a high growth environment. You wanna be getting a lot more out of you so far.\n\nChannel 1: Yep.\n\nChannel 0: So I've gone back and had a really good look. And with the recommended column there, you'll see there's no difference to the balance. So when I went back and looked at altering the portfolio, I actually noted that there's gonna be no CGT consequences. So as I mentioned, there are tax consequences within super, and your super fund does pay capital gains tax for buying and selling and switching investment options. So I was able to look at switching the investments and helping you to get more out of your super fund without any capital gains consequences, which is a benefit to you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: There are no changes to the admin fees. That stays the same because it is hub 24, but you'll see the investment fees. So the newer portfolio fees. That's a benefit and advantage to the strategy. It's more money that stays in your portfolio, making it cheaper, and having that money stay in your portfolio compounding towards your goal.\n\nSo I was really happy to be able to complete the switch, not have any capital gains consequences, but also reduce the cost of the portfolio, which is good.\n\nChannel 1: Yeah. Hell, they haven't saved so much money.\n\nChannel 0: It's\n\nChannel 1: See\n\nChannel 0: it's it's just very, very lucky. I was able to put together the portfolio and noted the the, you know, the reduction in fees and how it was only gonna benefit you. So very happy with that outcome thus far.\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, the ongoing service fee, which for yourself is 1.65 percent, it does show that, obviously, we've factored in growth into the year, so there is a difference of a $141 there. And then you've got your net contributions going in. So this is your total contributions after fees, after the fifth so after the tax, the 15% tax that's deducted inside Super, and it shows how much you could expect for the year based on your income.\n\nChannel 1: Yep.\n\nChannel 0: And then your insurance premiums, and I'll take you through this shortly, but you'll notice a difference there. So I've actually made a recommendation which saves you just under $400 for the year in insurance premiums and provides you with a better definition of total permanent disability.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. And then underneath that, again, your investor profile shows that we're still keeping you within a high growth environment, still keeping, you know, your super working harder. However, the newer portfolio has shown a much greater past performance. It's averaged about 11.34% over the past five years. So coupling the past of the greater historical performance plus the saving in investment fees and no capital gains consequences, it just worked out definitely in your best interest to be able to switch these switch these investments and put you into this newer portfolio.\n\nOkay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Excellent. Underneath that, I know it is a bit small. I do apologize, but the the projection table below also has over the next five to ten years there. So your current scenario with the, you know, your current portfolio, if it's averaging 4.28% and the current fees, over the next five years, you could see it grow to just over 280,000 or over 308,000 in the next ten years. With this newer portfolio and the fee savings there, if it is to to be able to obtain this kind of growth over the next sort of five to ten years, you could see yourself in a much greater position, which puts you in a much greater position towards your retirement goals as well.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Do\n\nChannel 1: Yeah.\n\nChannel 0: you have\n\nChannel 1: That's\n\nChannel 0: any\n\nChannel 1: good.\n\nChannel 0: questions so far?\n\nChannel 1: No. That's all good. That's all hypothetical\n\nChannel 0: No?\n\nChannel 1: too, I guess. So, you know, you\n\nChannel 0: It\n\nChannel 1: got\n\nChannel 0: it all\n\nChannel 1: no problem\n\nChannel 0: absolutely\n\nChannel 1: happening. But\n\nChannel 0: is. That's correct. Yeah. It all absolutely is. I mean, essentially, we have to look at\n\nChannel 1: yeah.\n\nChannel 0: past performance to be able to determine what kind of\n\nChannel 1: So\n\nChannel 0: performance the investment portfolio can obtain in the future because we don't know what's going to happen.\n\nChannel 1: that's\n\nChannel 0: And\n\nChannel 1: right.\n\nChannel 0: this is all\n\nChannel 1: Yep.\n\nChannel 0: based on, you know, past data and whatnot. But when we sort of look at, you know, portfolios and investments and how they have performed, we also look at the five year time horizon because we know in the last five years, there has been a lot of ups and downs and market volatility. So if a portfolio can essentially wade through the ups and downs over the past five years and still obtain a good 11% return, But then, theoretically, moving forward over the next sort of five to ten years, should it stay very similar market conditions, then it should be able to hold up and still obtain that kind of market return as well. In\n\nChannel 1: Yep.\n\nChannel 0: saying that, we could definitely see a downside. And in that high growth environment, that's why we don't like you to be in this high growth portfolio when you have less than eight years towards accessing CIVID because you are taking more risk to get those greater potential returns.\n\nChannel 1: Yeah.\n\nChannel 0: However, in that high growth environment, we expect a negative return to be at least one in one in every five years. So we do know the risk level that you're taking, and we wanna make sure that as you get closer to accessing your super that we, you know, draw that risk level back a little bit. But\n\nChannel 1: Yep.\n\nChannel 0: for right now, you have that time horizon to do that. And I'm you know, I'll make sure that we review this portfolio with you every, say, six months to see how things are tracking and performing. And if there is anything flagging that we should maybe move you out of, it gives us an opportunity to update that advice nice and quickly for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: No\n\nChannel 0: Does\n\nChannel 1: worries.\n\nChannel 0: that make sense? Do you have any questions at all?\n\nChannel 1: No. No. Not at\n\nChannel 0: No?\n\nChannel 1: this stage. No.\n\nChannel 0: Fantastic. If I can take you down to the next page, the page number 20, that might actually be the page after. My apologies. Page number 20. The heading\n\nChannel 1: Yep.\n\nChannel 0: is investments in red there.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. This is essentially showing you the changes that we wanna make to the portfolio there. So you'll see on the the first column has your hub twenty four super fund and all your different investments there. And the buy sell column is the one that we sort of focus on. So it's sort of showing you which investments we're gonna sell and how much we're gonna sell of those investments and then which ones we're gonna purchase into.\n\nAnd the last two columns show you your target weighting and how much you'll have in those individual investments once we complete the switch. So to kinda go through in in a nutshell and give you a bit of a rundown, we are selling all of the Benelon Australian equities. That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest. We're\n\nChannel 1: Okay.\n\nChannel 0: also going to sell off the Vanguard diversified index fund. We still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification. So we're gonna sell all the Vanguard diversified index investment down. With the cybersecurity, we are keeping that in. However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one.\n\nChannel 1: Florida.\n\nChannel 0: The battery and lithium tech has been a bit up and down this year. It is still a good investment, but we are selling that off completely. And the same thing with the MorningStar Global tech. So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Then we've got the iShares Europe. So this is giving you exposure to all 16 European countries, so giving you exposure to all the areas. So we wanna hold 9%, and it's giving you diversification across all of Europe. We also do wanna keep The US exposure to the S and P 500. We wanna hold 35% of the S and P 500.\n\nThis is giving you exposure to the top 500 companies on The US market. You currently have 31.79%, so we'll buy a little bit more to keep that exposure and reweight it for you.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got the iShares Asia. That one is going completely. Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it. There's low cost but also providing diversification. So we've been able to do that, which means we can sell all of this investment down for you.\n\nAnd then the VanEck China new economy. Unfortunately, China hasn't really performed the way we had hoped it would over the past couple of years, so we are completely selling that investment down for you. Okay?\n\nChannel 1: Alrighty. Yep.\n\nChannel 0: With the other buyers to rewrite your portfolio, we'll buy into the iShares Japanese. It's giving you exposure to the Japan market. It's a really great place to be exposed to and has had some great returns over the past. So we're gonna hold 5% of the Japanese market then. The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment.\n\nThis is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there. But\n\nChannel 1: Yep.\n\nChannel 0: this is essentially holding exposure to the entire globe, which is fantastic, giving you greater diversification in both already established markets, but also up and coming markets and opportunities as well. Okay? We'll hold 8% of the All World x US investment. And then because we have gotten rid of the ban along Australian equities, we still wanna increase our holding into the Australian market. So as I kind of I'm not sure if I spoke to you and explained before, but Banna Long generally is a it's an actively managed fund, and they normally hold about 15 to 25 different investment options within their fund there.\n\nWe're replacing that with the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. We wanna hold 25% of this investment, and it essentially is giving you greater diversification. Because instead of having 15 to 25 different companies on the ASX, you're getting exposure to the top 200. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Okay.\n\nChannel 0: building and growing on diversification, but it's also a low cost investment. It's also a really good dividend paying investment as well. So dividends are some of the highest, and it's those dividends are paid back to your cash account, which can be reinvested for compounding effect for you. Okay.\n\nChannel 1: Mhmm. Gold.\n\nChannel 0: Excellent.\n\nChannel 1: Yeah. Gold.\n\nChannel 0: Gold. Yeah. You don't currently have any physical gold in your portfolio, so we do wanna hold some. Wanna hold about 7%. It has done really well over the past.\n\nChannel 1: Yep.\n\nChannel 0: Has been has has its up and down this year as well as everything else, but we do wanna hold some physical gold and keep holding physical gold for you. So 7% will be bought into your portfolio. Okay? And then you've got the iShares Core composite bond. So within the high growth environment, we still wanna hold some low risk defensive investments like bonds.\n\nThey are good for income producing. They pay income into your cash account that gets redistributed across the compounding effect, but it's also about holding some defensive assets. So when, say, equities aren't doing so well, you do have gold, which can be a mitigator and act defensively, but core composite bonds also tend to do well, and defensive investments tend to do well when equity markets aren't performing as well. So we do wanna have a mix of growth plus defensive investments and holding physical goal, which is growth, but also acts defensively can assist you in that as well. That's essentially a quick breakdown of the investments.\n\nDo you have much? Any questions in relation to any of those? Did you want me to delve deeper into anything specific for you?\n\nChannel 1: No. Not really, but it's interesting to see it like that. I've never looked at it like that before. So\n\nChannel 0: It\n\nChannel 1: yeah.\n\nChannel 0: definitely isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. All good. On the next page down, you are holding a bit over 5,000 in cash at the moment. So your portfolio does have a higher cash limit than what we'd like. We will just take a bit over 2,000 of that and reinvest it back into the portfolio.\n\nRealistically, we don't wanna hold more than 1.25% cash. And when I looked at things, your cash holding was a little bit high. So we'll just reinvest some of that money for you as well. Okay?\n\nChannel 1: Yep. So how does how does the the get high? Or is that just because it's or what is that?\n\nChannel 0: Yeah.\n\nChannel 1: What\n\nChannel 0: So,\n\nChannel 1: is\n\nChannel 0: essentially,\n\nChannel 1: that?\n\nChannel 0: every month that does go through and do, like, a rebalance of the cash holdings. But sometimes in between that month, you might get more dividends or they may have held a little bit more cash than they needed because they were expecting more in the way of admin fees or something to come out with. So there could\n\nChannel 1: Yes.\n\nChannel 0: be a few different reasons there,\n\nChannel 1: Yes. Yes.\n\nChannel 0: but we just wanted to make sure that we reflect that and put that cash back in. It could also be that you've received a few additional contributions over the month. And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet. So there are times\n\nChannel 1: Yeah.\n\nChannel 0: when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your portfolio.\n\nChannel 1: Mhmm. Alright.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Cool.\n\nChannel 0: Excellent. If I can get you to scroll down for me to page number 23, I'll take you through the insurance recommendations now.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now, essentially, one thing that we talked about was that you do have the current tower policy, which gives you life and TPD. You were happy with the level of life and TPD that you have, but the main thing was that you had an an an ADL definition. So activities of daily living definition of TPD, which if you remember back to our conversation, is much\n\nChannel 1: Yep.\n\nChannel 0: harder to claim on. You have to make certain certain definitions. They'd be unable to do generally two to three of the five activities of daily living, which makes claiming on TBD very hard. However, holding insurance is expensive, and that money premiums are coming out of your super, which has an effect on your retirement income. So\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Sure.\n\nChannel 0: discussed about going back and looking at TBD and trying to get you a better definition. After going to the pre assessment, my team pre assessed it with the different insurers out there, and Zurich came back to be one of the better costings. And they came back noting that based on what they had, they were willing to offer TBD to you within any occupation definition. This just essentially means that in the event that you're unable to go back to work again, you just need to be unable to ever go back to work in any occupation for which you were educated or trained or have worked. So it is a much easier definition to claim on rather than ADL, albeit it is harder because they look at any occupation.\n\nHowever,\n\nChannel 1: Yep.\n\nChannel 0: you are more likely to claim on this rather than the ADL definition, if that makes sense.\n\nChannel 1: Yes, ma'am.\n\nChannel 0: Yeah. So, essentially, I am making a recommendation that we do replace your current towel, life, and TBD with Zurich. It does mean you'll go through a new application to have this placed in force. We do expect when this comes to force that there will be a mental health exclusion. You do have a mental health exclusion on your current policy, which\n\nChannel 1: Yep.\n\nChannel 0: doesn't really make sense to me how an ADL policy can have a mental health exclusion, but they\n\nChannel 1: Yeah.\n\nChannel 0: have applied it anyway. So that mental health exclusion based on your pre assessment is expected to be added to the newer policy as well. There was also some blood pressure that was noted. The insurers haven't come back noting that there could be anything, you know, with regard to the blood pressure, but they will assess your health. They may ask for additional tests, and they may request doctor's records as well just\n\nChannel 1: Yep.\n\nChannel 0: before they put the policy in force to confirm if there are any additional loadings or exclusions or altered terms that they would apply. If there is, they would come back to us first, but we just like to make sure that you're aware of the risks of doing so. But at the\n\nChannel 1: Yep.\n\nChannel 0: end of the day, as long as there's nothing that comes out, having this life and TBD, it's actually cheaper than what you're currently paying for, and it provides you with a greater level of cover of t TBD, which allows you to claim in the event of you being not able to go back to work again and meet you at any occupation definition. Does that make sense? Do you have any questions?\n\nChannel 1: No. It makes sense. And hopefully,\n\nChannel 0: Yeah.\n\nChannel 1: it never comes with that. Yeah.\n\nChannel 0: I absolutely. I think that's one of the biggest risks we have when it comes to insurances is that we hold the policy, we pay the premiums, and then we never actually claim on it. So we get to\n\nChannel 1: Never\n\nChannel 0: retirement,\n\nChannel 1: hope to use\n\nChannel 0: and\n\nChannel 1: it.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: just, yeah, we just cancel\n\nChannel 1: Yeah.\n\nChannel 0: it. We\n\nChannel 1: Yep.\n\nChannel 0: do have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something. Life cover, someone's passed away, TBD. You're never able to go back to work again and suffering a disability. So,\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: it's one of those, yeah, one of those things. It's got some positives and some negatives to it, unfortunately.\n\nChannel 1: Yep. As long as\n\nChannel 0: Yeah.\n\nChannel 1: my family's covered, if something ever happens to me, that's the main thing.\n\nChannel 0: Yeah.\n\nChannel 1: Correct?\n\nChannel 0: Absolutely. And so with that level of cover, we're keeping it at the 701,984, which is the current level of cover you have. That was the cover we discussed, and you came back and said that you were fairly comfortable with that level of cover. Does that still sound fairly accurate?\n\nChannel 1: Yeah. Yeah. That's what I'm\n\nChannel 0: Yep.\n\nChannel 1: gonna yep.\n\nChannel 0: Yep. Beautiful. Excellent. The current level of cover that you are paying for at the moment, I'm just going back up because I have it set. But the new cover, the yearly premium expected to be deducted out of super would be $1,390.59.\n\nChannel 1: Yep.\n\nChannel 0: You'll see on that page there, it's got $16.35. That's how much the insurer receives to the policy, but you do get a 15% discount when it is deducted out of super. Essentially,\n\nChannel 1: Alright.\n\nChannel 0: having a look at the cover you have at the moment, So your licensed TPD with TAL, you're currently paying it is $2,105.94. That's how much\n\nChannel 1: Yeah.\n\nChannel 0: the insurer receives. How much you have paid out of super is about 1,790. So it's a much better definition, but it's also a cheaper policy, which is important.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's the main name\n\nChannel 0: Do\n\nChannel 1: of\n\nChannel 0: you\n\nChannel 1: the game, isn't it? A pays\n\nChannel 0: yeah.\n\nChannel 1: mark?\n\nChannel 0: That's that's it. Do you have any questions in relations at at the moment, Daniel?\n\nChannel 1: No. No.\n\nChannel 0: No? That's okay. Beautiful. Again, I've got the best interest to do there for you. I have gone through a lot of the advantages, disadvantages, the risks involved, but you're welcome to take some time to read through those as well.\n\nOkay?\n\nChannel 1: I appreciate that. Thank you.\n\nChannel 0: That's okay. And then if you scroll down a little bit further for me, we're going down to page number 20 30 now.\n\nChannel 1: 30. Oh, dear.\n\nChannel 0: Yep. So this has got your current towel policy noted and how much you technically have paid for that for the year. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So how this would essentially work is if you decide to take on the recommendations, we'll start by simply doing the investment switch within super. That will all happen nice and easy in the background so we can sell off the old investments and purchase into the new ones for you, replacing any underperforming investments. And then we'll book you in to go through a new application with our admin team. They will go through the application for the Zurich policy. We'll keep the towel policy enforced so that you do have that level of protection whilst the application for Zurich is going through.\n\nOnce\n\nChannel 1: Yep.\n\nChannel 0: the new policy is approved and the provider provides the terms, so long as they're acceptable and as per what we've noted here, then we can go forward and and cancel the towel policy. We would\n\nChannel 1: Yep.\n\nChannel 0: never cancel the towel policy prior to the Zurich policy being placed in force because we have to go through the underwriting. We obviously do the pre assessments with you and blind pre assessments with the insurers to look at the terms that might be offered, but it all does come to down to what the what they assess when it goes to the underwriting process. So we keep this as a backup policy until the new one is enforced, and then we go ahead and cancel this policy. To\n\nChannel 1: Yep.\n\nChannel 0: give you a little bit of peace of mind, once this policy is canceled, the insurers will go back and look at how much you have paid for the year on the policy, and they'll provide a refund pro rata and that goes back into your super fund. So you're not out of pocket for the year. They will\n\nChannel 1: Yep.\n\nChannel 0: refund you as pro rata there to make it easier, but it will also happen in after we get that Zurich policy placed in force there for you. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Obviously, having a look at the advantage of this one, it does save you about $399, which is great. Any saving that you can keep within your super fund is good. However, all insurance policies do get more expensive, so we wanna review these with you each year to make sure the cover remains in line with what you wanted to cover, but that's not eating away your super too much as well because, eventually, they do get very expensive.\n\nI have seen some people in their fifties and sixties holding TBD in life, and their their premiums are in within the 20 and $30,000 limit. So it's pretty horrendous how in expensive\n\nChannel 1: Oh, it\n\nChannel 0: these\n\nChannel 1: can't.\n\nChannel 0: can get over time. I know.\n\nChannel 1: Yep.\n\nChannel 0: So we will just make sure that that these premiums don't eat away all of your super. And the idea is you have a higher level of cover now. You've probably got more debt there, and your super balance is a little bit lower. So as your super balance increases, as our debt level decreases, we should be able to also decrease our insurance cover along with that as well. Okay.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Excellent. And then the last recommendation for you is on page 33, and this is just making sure that with that new Zurich life policy, that we do have the binding non lapsing beneficiary nomination in place to make sure that Kylie is nominated that if in the event you were to pass away, along with your super being paid out, she can receive the life benefit paid out nice and easily as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Easy. That is essentially majority of the recommendations. But do you have any questions in relation to any of that? Is there any questions, concerns, or anything you wanted me to kinda run through in more detail for you?\n\nChannel 1: No. Look look, it's yeah. Look, I know you got me I'm in good hands, I reckon, with you guys.\n\nChannel 0: Thank\n\nChannel 1: So\n\nChannel 0: you.\n\nChannel 1: I I\n\nChannel 0: Thank\n\nChannel 1: think\n\nChannel 0: you.\n\nChannel 1: that everything should be fine. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it's a matter of,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, so the change over with Zurich, so I've gotta do\n\nChannel 0: Mhmm.\n\nChannel 1: another medical or something.\n\nChannel 0: It'll be an insurance application. Essentially, if they do assess anything as possible with mental health, they tend to request doctor's records just to make sure that there's no and it's essentially bad, but suicide attempts and things like that noted.\n\nChannel 1: Yep.\n\nChannel 0: Those sorts of things do have a very big impact on the insurance\n\nChannel 1: Yep.\n\nChannel 0: application. So\n\nChannel 1: I bet they do.\n\nChannel 0: we'll start yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So we'll just start by going through the application with you with our team member. If the insurance application then gets submitted to Zurich, and then Zurich will they will request medical. So they get you to sign an authority, and they request the medical records from the doctors if they require any additional tests. So sometimes with things like high blood pressure or depending on what it is, they sometimes get a nurse to come and see you and take blood and or urine samples just so they can kind of get the test done if they need to have them updated. We don't really know what they're gonna expect out of that or whether any of that's gonna be required until we go through the application.\n\nBut just based on my knowledge and understanding, once we go through the application, based on the mental health exclusion expected, they will request some doctor's reports just to have a look at your mental health records and see,\n\nChannel 1: Yep.\n\nChannel 0: you know, if an exclusion is suitable, if they find that, you know, they're sometimes they come back and go, hey. We're not gonna add the exclusion to standard base, but sometimes there is. So I just like to give you my, you know, worst case scenario. This is what I've assessed\n\nChannel 1: Oh, absolutely.\n\nChannel 0: as based\n\nChannel 1: Yeah.\n\nChannel 0: on everything,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll go from there for you. But they don't always need, you know, extra tests and things like that. It all just comes down to how they assess it, and we try to keep in contact with them very regularly to make sure we what's happening, and you're welcome to let me know if you have questions or concerns. And then when they provide the offer of cover, it comes to us. If there's some terms that we're not comfortable with, I'll go back and ask and fight and see what I can do to assess that So\n\nChannel 1: Yep.\n\nChannel 0: long as everything comes back as per what we know here, there shouldn't be any problems, and we'll just place that in force there for you. Okay?\n\nChannel 1: Yeah. No worries. Yeah. I don't\n\nChannel 0: Excellent.\n\nChannel 1: know. Things are health wise are pretty good anyway. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Like, you know so oh, I I I think I am anyway. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: good. That's excellent.\n\nChannel 1: So yeah. No. That's all good. Easy.\n\nChannel 0: Beautiful. The excellent. The last thing I just wanted to show you just because I like to be full with my disclosure. On page number 37, we do outline the remuneration side of things. So it is really important that we open and let you know that we do receive remuneration from the insurer for writing insurance products.\n\nThis has no reflection on why I've made the recommendation. I've made the recommendation because it's in your best interest and because it gives you a better level of TBD. However, we will receive 66% of the first year's premium from the insurer, not from you, and 22%, they're ongoing as well. Just we just disclosed that so you're fully aware. Okay?\n\nChannel 1: Yep. Yep. Well, you gotta make money from me. I don't know if this.\n\nChannel 0: Yeah. Well, it's only a very small amount based on the premiums because I wanted to reduce the premiums and make it as cheap as possible for you. But, essentially, it's about a thousand dollars upfront, a thousand and 80 for the first year, and then about $360 ongoing based on the the projected ongoing premium there. So not a huge amount, but it's, you know, it's standard across the board there. So we just\n\nChannel 1: Something.\n\nChannel 0: wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure we disclose that to you, essentially. Okay?\n\nChannel 1: Yep. No worries. Yep.\n\nChannel 0: Excellent. Beautiful. Do you have any questions or anything you wanted me to kinda go through in more detail for you?\n\nChannel 1: No. I think I'm pretty right,\n\nChannel 0: No?\n\nChannel 1: Sunil. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Well, you're welcome to take it back and have a read through the document there. If you do find you have any questions, you're welcome to let me know. And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yep.\n\nChannel 1: No worries.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: Thank you so much for your time this afternoon, Daniel. I really appreciate it.\n\nChannel 1: Thank you. Yeah. All good. All good.\n\nChannel 0: No\n\nChannel 1: No.\n\nChannel 0: worries. Well, I I will let you go to enjoy your afternoon. And, yeah, I'll talk to you very soon.\n\nChannel 1: Okay. Good on you. Thanks again once\n\nChannel 0: Thanks, Daniel. My pleasure. See you later.\n\nChannel 1: again, cheap. Okay. Have a good evening. See you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.28,"end":3.78,"sentiment":"neutral","sentiment_score":0.033286381512880325}],"sentiment":"neutral","sentiment_score":0.033286381512880325,"channel":1,"num_words":1,"start":3.28,"end":3.78},{"sentences":[{"text":"Hi, Daniel.","start":4.88,"end":5.52,"sentiment":"neutral","sentiment_score":0.1353551670908928},{"text":"This is Dana from OQ Financial.","start":5.52,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.18468351662158966},{"text":"How are you this afternoon?","start":7.3599997,"end":8.5,"sentiment":"neutral","sentiment_score":0.2733167350292206}],"sentiment":"neutral","sentiment_score":0.21118423915826356,"channel":0,"num_words":13,"start":4.88,"end":8.5},{"sentences":[{"text":"Yeah.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.41203975677490234},{"text":"I'm pretty good.","start":9.04,"end":9.679999,"sentiment":"positive","sentiment_score":0.5969420671463013},{"text":"And yourself?","start":9.679999,"end":10.34,"sentiment":"positive","sentiment_score":0.4292591065168381}],"sentiment":"positive","sentiment_score":0.5102306952079138,"channel":1,"num_words":6,"start":8.72,"end":10.34},{"sentences":[{"text":"Okay.","start":10.24,"end":10.719999,"sentiment":"positive","sentiment_score":0.39184921979904175},{"text":"I'm very well.","start":10.719999,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6029388308525085},{"text":"Thank you.","start":11.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.7217763364315033},{"text":"I had you booked in to go through your updated statement of advice.","start":11.92,"end":14.445,"sentiment":"neutral","sentiment_score":0.32310717839461106},{"text":"Is now still a good time there for you?","start":14.445,"end":16.384998,"sentiment":"neutral","sentiment_score":0.28364908198515576}],"sentiment":"positive","sentiment_score":0.37133762293628286,"channel":0,"num_words":28,"start":10.24,"end":16.384998},{"sentences":[{"text":"Yeah.","start":16.795,"end":17.195,"sentiment":"neutral","sentiment_score":0.07210308313369751},{"text":"I'm just gardening.","start":17.195,"end":18.255,"sentiment":"neutral","sentiment_score":0.05714041988054911},{"text":"So, yeah,","start":18.635,"end":19.355,"sentiment":"neutral","sentiment_score":0.03413257375359535}],"sentiment":"neutral","sentiment_score":0.051964915047089257,"channel":1,"num_words":6,"start":16.795,"end":19.355},{"sentences":[{"text":"Oh,","start":19.005,"end":19.505,"sentiment":"neutral","sentiment_score":0.014508770778775215}],"sentiment":"neutral","sentiment_score":0.014508770778775215,"channel":0,"num_words":1,"start":19.005,"end":19.505},{"sentences":[{"text":"why not?","start":19.355,"end":20.075,"sentiment":"neutral","sentiment_score":0.012096751481294632},{"text":"Why not?","start":20.075,"end":20.895,"sentiment":"neutral","sentiment_score":0.05076323077082634}],"sentiment":"neutral","sentiment_score":0.031429991126060486,"channel":1,"num_words":4,"start":19.355,"end":20.895},{"sentences":[{"text":"sounds good.","start":20.765,"end":22.705,"sentiment":"neutral","sentiment_score":0.3133315443992615},{"text":"Daniel,","start":23.005,"end":23.505,"sentiment":"neutral","sentiment_score":0.06719659268856049}],"sentiment":"neutral","sentiment_score":0.2312865604956945,"channel":0,"num_words":3,"start":20.765,"end":23.505},{"sentences":[{"text":"Yeah.","start":23.035,"end":23.535,"sentiment":"neutral","sentiment_score":0.11976868659257887}],"sentiment":"neutral","sentiment_score":0.11976868659257887,"channel":1,"num_words":1,"start":23.035,"end":23.535},{"sentences":[{"text":"I do send a document to you so you can review that with me as we're going through things.","start":23.564999,"end":28.204998,"sentiment":"neutral","sentiment_score":0.10894133738781277},{"text":"Are you able to access your emails there currently?","start":28.204998,"end":30.61,"sentiment":"neutral","sentiment_score":0.030595102450913854}],"sentiment":"neutral","sentiment_score":0.08375861901523811,"channel":0,"num_words":28,"start":23.564999,"end":30.61},{"sentences":[{"text":"I could.","start":31.65,"end":32.309998,"sentiment":"neutral","sentiment_score":0.04434897378087044},{"text":"Yeah.","start":32.449997,"end":32.93,"sentiment":"neutral","sentiment_score":0.052886299788951874},{"text":"Yep.","start":32.93,"end":33.43,"sentiment":"neutral","sentiment_score":0.06400280445814133}],"sentiment":"neutral","sentiment_score":0.05139676295220852,"channel":1,"num_words":4,"start":31.65,"end":33.43},{"sentences":[{"text":"Yeah.","start":33.63,"end":33.95,"sentiment":"neutral","sentiment_score":0.09236891567707062},{"text":"That's","start":33.95,"end":34.27,"sentiment":"neutral","sentiment_score":0.12421822547912598}],"sentiment":"neutral","sentiment_score":0.1082935705780983,"channel":0,"num_words":2,"start":33.63,"end":34.27},{"sentences":[{"text":"Yep.","start":34.129997,"end":34.629997,"sentiment":"neutral","sentiment_score":0.12577754259109497}],"sentiment":"neutral","sentiment_score":0.12577754259109497,"channel":1,"num_words":1,"start":34.129997,"end":34.629997},{"sentences":[{"text":"okay.","start":34.27,"end":34.59,"sentiment":"neutral","sentiment_score":0.17067384719848633},{"text":"It's just only easier if you're able to see the document as I'm going through it.","start":34.59,"end":38.19,"sentiment":"neutral","sentiment_score":0.15647245710715652},{"text":"Otherwise, it can come across like I'm just talking at you, and it can be a lot.","start":38.19,"end":41.955,"sentiment":"neutral","sentiment_score":-0.029009182006120682},{"text":"So just try to send that through.","start":42.275,"end":45.735,"sentiment":"neutral","sentiment_score":0.07765891935144152}],"sentiment":"neutral","sentiment_score":0.06645584151875682,"channel":0,"num_words":41,"start":34.27,"end":45.735},{"sentences":[{"text":"Alright.","start":46.625,"end":47.125,"sentiment":"neutral","sentiment_score":0.12596742808818817}],"sentiment":"neutral","sentiment_score":0.12596742808818817,"channel":1,"num_words":1,"start":46.625,"end":47.125},{"sentences":[{"text":"I've just sent the email.","start":46.755,"end":48.375,"sentiment":"neutral","sentiment_score":0.14831805229187012},{"text":"All good.","start":49.075,"end":49.815002,"sentiment":"neutral","sentiment_score":0.3241107761859894},{"text":"How's","start":52.275,"end":52.595,"sentiment":"neutral","sentiment_score":0.11704590916633606}],"sentiment":"neutral","sentiment_score":0.18835721537470818,"channel":0,"num_words":8,"start":46.755,"end":52.595},{"sentences":[{"text":"Oh,","start":52.489998,"end":52.649998,"sentiment":"neutral","sentiment_score":0.08145324885845184}],"sentiment":"neutral","sentiment_score":0.08145324885845184,"channel":1,"num_words":1,"start":52.489998,"end":52.649998},{"sentences":[{"text":"the","start":52.595,"end":52.835003,"sentiment":"neutral","sentiment_score":0.0593370646238327}],"sentiment":"neutral","sentiment_score":0.0593370646238327,"channel":0,"num_words":1,"start":52.595,"end":52.835003},{"sentences":[{"text":"yeah?","start":52.649998,"end":53.149998,"sentiment":"neutral","sentiment_score":0.05378417670726776}],"sentiment":"neutral","sentiment_score":0.05378417670726776,"channel":1,"num_words":1,"start":52.649998,"end":53.149998},{"sentences":[{"text":"gardening going?","start":52.835003,"end":53.895,"sentiment":"neutral","sentiment_score":0.07373904809355736}],"sentiment":"neutral","sentiment_score":0.07373904809355736,"channel":0,"num_words":2,"start":52.835003,"end":53.895},{"sentences":[{"text":"Winning slowly.","start":55.29,"end":56.11,"sentiment":"neutral","sentiment_score":0.1259864792227745}],"sentiment":"neutral","sentiment_score":0.1259864792227745,"channel":1,"num_words":2,"start":55.29,"end":56.11},{"sentences":[{"text":"Yeah.","start":56.94,"end":57.44,"sentiment":"neutral","sentiment_score":0.16057270765304563}],"sentiment":"neutral","sentiment_score":0.16057270765304563,"channel":0,"num_words":1,"start":56.94,"end":57.44},{"sentences":[{"text":"Yeah.","start":57.85,"end":58.35,"sentiment":"neutral","sentiment_score":0.2633324861526489}],"sentiment":"neutral","sentiment_score":0.2633324861526489,"channel":1,"num_words":1,"start":57.85,"end":58.35},{"sentences":[{"text":"That's all good.","start":59.1,"end":60.24,"sentiment":"positive","sentiment_score":0.4720187485218048},{"text":"Beautiful.","start":61.18,"end":61.68,"sentiment":"positive","sentiment_score":0.5584118366241455},{"text":"Now just before I jump into the call and go through the advice with you, we do have to let you know we do record our calls for quality and training purposes.","start":61.9,"end":68.06,"sentiment":"neutral","sentiment_score":0.10976583161391318},{"text":"Are you happy for me to proceed with that?","start":68.06,"end":69.975,"sentiment":"neutral","sentiment_score":0.14082353893253538}],"sentiment":"neutral","sentiment_score":0.15009747876061333,"channel":0,"num_words":45,"start":59.1,"end":69.975},{"sentences":[{"text":"Yep.","start":70.295,"end":70.795,"sentiment":"neutral","sentiment_score":0.09974973648786543},{"text":"Sure.","start":71.095,"end":71.595,"sentiment":"neutral","sentiment_score":0.22726787626743317}],"sentiment":"neutral","sentiment_score":0.1635088063776493,"channel":1,"num_words":2,"start":70.295,"end":71.595},{"sentences":[{"text":"Fantastic.","start":71.255,"end":71.755,"sentiment":"positive","sentiment_score":0.3939269781112671},{"text":"And just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here.","start":72.215,"end":77.755,"sentiment":"neutral","sentiment_score":0.15188052654266357}],"sentiment":"neutral","sentiment_score":0.16119000544914833,"channel":0,"num_words":26,"start":71.255,"end":77.755},{"sentences":[{"text":"Daniel Davies.","start":78.134995,"end":79.115,"sentiment":"neutral","sentiment_score":0.028291383758187294}],"sentiment":"neutral","sentiment_score":0.028291383758187294,"channel":1,"num_words":2,"start":78.134995,"end":79.115},{"sentences":[{"text":"Yep.","start":79.655,"end":80.155,"sentiment":"neutral","sentiment_score":0.020849797874689106}],"sentiment":"neutral","sentiment_score":0.020849797874689106,"channel":0,"num_words":1,"start":79.655,"end":80.155},{"sentences":[{"text":"04/24/1977.","start":79.66,"end":82.08,"sentiment":"neutral","sentiment_score":0.02255554310977459},{"text":"And what","start":83.42,"end":83.9,"sentiment":"neutral","sentiment_score":0.045981135219335556}],"sentiment":"neutral","sentiment_score":0.03817260451614857,"channel":1,"num_words":3,"start":79.66,"end":83.9},{"sentences":[{"text":"Beautiful.","start":83.895,"end":84.395,"sentiment":"neutral","sentiment_score":0.112675778567791}],"sentiment":"neutral","sentiment_score":0.112675778567791,"channel":0,"num_words":1,"start":83.895,"end":84.395},{"sentences":[{"text":"was the other?","start":83.9,"end":84.54,"sentiment":"neutral","sentiment_score":0.020253291353583336},{"text":"Was there something","start":84.54,"end":85.18,"sentiment":"neutral","sentiment_score":-0.0022063180804252625}],"sentiment":"neutral","sentiment_score":0.009023486636579037,"channel":1,"num_words":6,"start":83.9,"end":85.18},{"sentences":[{"text":"Alright.","start":85.1,"end":85.6,"sentiment":"neutral","sentiment_score":0.0002295542508363724}],"sentiment":"neutral","sentiment_score":0.0002295542508363724,"channel":0,"num_words":1,"start":85.1,"end":85.6},{"sentences":[{"text":"else?","start":85.18,"end":85.68,"sentiment":"neutral","sentiment_score":-0.0044166999869048595},{"text":"That","start":85.740005,"end":85.98,"sentiment":"neutral","sentiment_score":-0.004755326546728611}],"sentiment":"neutral","sentiment_score":-0.004586013266816735,"channel":1,"num_words":2,"start":85.18,"end":85.98},{"sentences":[{"text":"Address.","start":85.9,"end":86.4,"sentiment":"neutral","sentiment_score":-0.005935102701187134}],"sentiment":"neutral","sentiment_score":-0.005935102701187134,"channel":0,"num_words":1,"start":85.9,"end":86.4},{"sentences":[{"text":"was it?","start":85.98,"end":86.8,"sentiment":"neutral","sentiment_score":-0.003739509265869856}],"sentiment":"neutral","sentiment_score":-0.003739509265869856,"channel":1,"num_words":2,"start":85.98,"end":86.8},{"sentences":[{"text":"Yes.","start":86.46,"end":86.78,"sentiment":"neutral","sentiment_score":-0.0039068241603672504},{"text":"Sorry.","start":86.78,"end":87.28,"sentiment":"neutral","sentiment_score":-0.03968137130141258}],"sentiment":"neutral","sentiment_score":-0.021794097730889916,"channel":0,"num_words":2,"start":86.46,"end":87.28},{"sentences":[{"text":"Nope.","start":87.740005,"end":87.98,"sentiment":"neutral","sentiment_score":-0.055799197405576706},{"text":"That was it.","start":87.98,"end":88.700005,"sentiment":"neutral","sentiment_score":-0.06180643290281296},{"text":"Yep.","start":88.700005,"end":89.200005,"sentiment":"neutral","sentiment_score":-0.010219364427030088}],"sentiment":"neutral","sentiment_score":-0.05028757210820913,"channel":1,"num_words":5,"start":87.740005,"end":89.200005},{"sentences":[{"text":"Sorry.","start":90.06,"end":90.38,"sentiment":"neutral","sentiment_score":-0.031058069318532944},{"text":"Your address.","start":90.38,"end":91.020004,"sentiment":"neutral","sentiment_score":-0.03258958365768194},{"text":"My apologies, Daniel.","start":91.020004,"end":92.16,"sentiment":"neutral","sentiment_score":-0.06902775044242541}],"sentiment":"neutral","sentiment_score":-0.05055341466019551,"channel":0,"num_words":6,"start":90.06,"end":92.16},{"sentences":[{"text":"Oh, my address.","start":91.82,"end":92.62,"sentiment":"neutral","sentiment_score":-0.00899175430337588},{"text":"Sorry.","start":92.62,"end":92.94,"sentiment":"neutral","sentiment_score":-0.007469852454960346},{"text":"3 Anvil Road, Jinra.","start":92.94,"end":94.245,"sentiment":"neutral","sentiment_score":0.004937846213579178},{"text":"Sorry.","start":94.245,"end":94.745,"sentiment":"neutral","sentiment_score":0.01804594323039055}],"sentiment":"neutral","sentiment_score":0.00037246807995769713,"channel":1,"num_words":9,"start":91.82,"end":94.745},{"sentences":[{"text":"Lovely.","start":94.94,"end":95.44,"sentiment":"neutral","sentiment_score":0.07265609502792358},{"text":"No.","start":95.5,"end":95.74,"sentiment":"neutral","sentiment_score":0.00003656558692455292},{"text":"No.","start":95.74,"end":95.9,"sentiment":"neutral","sentiment_score":0.021229801699519157},{"text":"You're absolutely fine.","start":95.9,"end":97.6,"sentiment":"neutral","sentiment_score":0.11967267592748006},{"text":"All good.","start":98.22,"end":99.04,"sentiment":"neutral","sentiment_score":0.21744315326213837}],"sentiment":"neutral","sentiment_score":0.11097834957763553,"channel":0,"num_words":8,"start":94.94,"end":99.04},{"sentences":[{"text":"Now has that email popped through to you there currently at all?","start":99.335,"end":102.295,"sentiment":"neutral","sentiment_score":0.05029601479570071},{"text":"Or","start":102.295,"end":102.795,"sentiment":"neutral","sentiment_score":0.03226045146584511}],"sentiment":"neutral","sentiment_score":0.0489086637703272,"channel":0,"num_words":13,"start":99.335,"end":102.795},{"sentences":[{"text":"So on 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there.","start":986.59503,"end":989.015,"sentiment":"neutral","sentiment_score":0.018918115831911563}],"sentiment":"neutral","sentiment_score":0.018918115831911563,"channel":0,"num_words":5,"start":986.59503,"end":989.015},{"sentences":[{"text":"Yep.","start":989.335,"end":989.835,"sentiment":"neutral","sentiment_score":0.2154993712902069}],"sentiment":"neutral","sentiment_score":0.2154993712902069,"channel":1,"num_words":1,"start":989.335,"end":989.835},{"sentences":[{"text":"Beautiful.","start":990.35504,"end":990.835,"sentiment":"positive","sentiment_score":0.44774967432022095},{"text":"This is essentially showing you the changes that we wanna make to the portfolio there.","start":990.835,"end":994.91,"sentiment":"neutral","sentiment_score":0.24671444445848464},{"text":"So you'll see on the the first column has your hub twenty four super fund and all your different investments there.","start":995.37,"end":1000.81,"sentiment":"neutral","sentiment_score":0.15785820959579377},{"text":"And the buy sell column is the one that we sort of focus on.","start":1000.81,"end":1003.69,"sentiment":"neutral","sentiment_score":0.1175392030605248},{"text":"So it's sort of showing you which investments we're gonna sell and how much we're gonna sell of those investments and then which ones we're gonna purchase into.","start":1003.69,"end":1011.415,"sentiment":"neutral","sentiment_score":0.12730310843991383}],"sentiment":"neutral","sentiment_score":0.16042436230220372,"channel":0,"num_words":79,"start":990.35504,"end":1011.415},{"sentences":[{"text":"And the last two columns show you your target weighting and how much you'll have in those individual investments once we complete the switch.","start":1011.71497,"end":1018.855,"sentiment":"neutral","sentiment_score":0.0896296010663112},{"text":"So to kinda go through in in a nutshell and give you a bit of a rundown, we are selling all of the Benelon Australian equities.","start":1019.07495,"end":1025.6,"sentiment":"neutral","sentiment_score":-0.018156744880028643},{"text":"That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest.","start":1025.6,"end":1032.34,"sentiment":"neutral","sentiment_score":-0.20203893221914768},{"text":"We're","start":1032.64,"end":1032.96,"sentiment":"neutral","sentiment_score":-0.017718693241477013}],"sentiment":"neutral","sentiment_score":-0.03351355322413671,"channel":0,"num_words":71,"start":1011.71497,"end":1032.96},{"sentences":[{"text":"Okay.","start":1032.87,"end":1033.37,"sentiment":"neutral","sentiment_score":-0.020706865936517715}],"sentiment":"neutral","sentiment_score":-0.020706865936517715,"channel":1,"num_words":1,"start":1032.87,"end":1033.37},{"sentences":[{"text":"also going to sell off the Vanguard diversified index fund.","start":1032.96,"end":1036.785,"sentiment":"neutral","sentiment_score":-0.0804304402321577},{"text":"We still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification.","start":1036.785,"end":1049.685,"sentiment":"neutral","sentiment_score":0.0703263649573693},{"text":"So we're gonna sell all the Vanguard diversified index investment down.","start":1051.38,"end":1055.4,"sentiment":"neutral","sentiment_score":0.0074777189134196806},{"text":"With the cybersecurity, we are keeping that in.","start":1055.7001,"end":1058.5,"sentiment":"neutral","sentiment_score":-0.02753804111853242},{"text":"However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one.","start":1058.5,"end":1065.56,"sentiment":"neutral","sentiment_score":-0.08355635003401683}],"sentiment":"neutral","sentiment_score":-0.003958411603928246,"channel":0,"num_words":94,"start":1032.96,"end":1065.56},{"sentences":[{"text":"Florida.","start":1066.11,"end":1066.61,"sentiment":"neutral","sentiment_score":-0.013017592951655388}],"sentiment":"neutral","sentiment_score":-0.013017592951655388,"channel":1,"num_words":1,"start":1066.11,"end":1066.61},{"sentences":[{"text":"The battery and lithium tech has been a bit up and down this year.","start":1067.095,"end":1070.215,"sentiment":"neutral","sentiment_score":-0.1500763116138322},{"text":"It is still a good investment, but we are selling that off completely.","start":1070.215,"end":1073.355,"sentiment":"neutral","sentiment_score":0.1438576653599739},{"text":"And the same thing with the MorningStar Global tech.","start":1073.975,"end":1076.615,"sentiment":"neutral","sentiment_score":0.28492705358399284},{"text":"So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well.","start":1076.615,"end":1085.09,"sentiment":"neutral","sentiment_score":0.2990883549054464},{"text":"Okay?","start":1085.09,"end":1085.59,"sentiment":"neutral","sentiment_score":0.11370749771595}],"sentiment":"neutral","sentiment_score":0.1704445211077804,"channel":0,"num_words":67,"start":1067.095,"end":1085.59},{"sentences":[{"text":"Mhmm.","start":1086.175,"end":1086.57,"sentiment":"neutral","sentiment_score":0.08436399698257446}],"sentiment":"neutral","sentiment_score":0.08436399698257446,"channel":1,"num_words":1,"start":1086.175,"end":1086.57},{"sentences":[{"text":"Then we've got the iShares Europe.","start":1087.0099,"end":1088.7699,"sentiment":"neutral","sentiment_score":0.15176919599374136},{"text":"So this is giving you exposure to all 16 European countries, so giving you exposure to all the areas.","start":1088.7699,"end":1094.61,"sentiment":"neutral","sentiment_score":0.22250625020579287},{"text":"So we wanna hold 9%, and it's giving you diversification across all of Europe.","start":1094.61,"end":1099.345,"sentiment":"neutral","sentiment_score":0.27058095910719465},{"text":"We also do wanna keep The US exposure to the S and P 500.","start":1100.285,"end":1104.705,"sentiment":"neutral","sentiment_score":0.09780445801360267},{"text":"We wanna hold 35% of the S and P 500.","start":1104.845,"end":1108.045,"sentiment":"neutral","sentiment_score":0.12763380110263825}],"sentiment":"neutral","sentiment_score":0.18368202826333424,"channel":0,"num_words":63,"start":1087.0099,"end":1108.045},{"sentences":[{"text":"This is giving you exposure to the top 500 companies on The US market.","start":1108.045,"end":1112.225,"sentiment":"neutral","sentiment_score":0.12814813586218016},{"text":"You currently have 31.79%, so we'll buy a little bit more to keep that exposure and reweight it for you.","start":1112.82,"end":1119.88,"sentiment":"neutral","sentiment_score":0.10115128308534622}],"sentiment":"neutral","sentiment_score":0.11226763422874843,"channel":0,"num_words":34,"start":1108.045,"end":1119.88},{"sentences":[{"text":"Mhmm.","start":1120.61,"end":1121.11,"sentiment":"neutral","sentiment_score":0.04770858585834503}],"sentiment":"neutral","sentiment_score":0.04770858585834503,"channel":1,"num_words":1,"start":1120.61,"end":1121.11},{"sentences":[{"text":"We've got the iShares Asia.","start":1121.38,"end":1123.14,"sentiment":"neutral","sentiment_score":0.10304351896047592},{"text":"That one is going completely.","start":1123.14,"end":1124.6799,"sentiment":"neutral","sentiment_score":0.15701372921466827},{"text":"Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it.","start":1124.74,"end":1128.9551,"sentiment":"neutral","sentiment_score":0.11892059994371314},{"text":"There's low cost but also providing diversification.","start":1128.9551,"end":1131.375,"sentiment":"neutral","sentiment_score":0.27375173568725586},{"text":"So we've been able to do that, which means we can sell all of this investment down for you.","start":1131.675,"end":1136.095,"sentiment":"neutral","sentiment_score":0.2509932682702416}],"sentiment":"neutral","sentiment_score":0.1862711252136664,"channel":0,"num_words":55,"start":1121.38,"end":1136.095},{"sentences":[{"text":"And then the VanEck China new economy.","start":1137.115,"end":1139.535,"sentiment":"neutral","sentiment_score":0.02512520967450525},{"text":"Unfortunately, China hasn't really performed the way we had hoped it would over the past couple of years, so we are completely selling that investment down for you.","start":1139.9501,"end":1147.7101,"sentiment":"neutral","sentiment_score":-0.2059103325009346},{"text":"Okay?","start":1147.7101,"end":1148.2101,"sentiment":"neutral","sentiment_score":-0.007299426943063736}],"sentiment":"neutral","sentiment_score":-0.15546978525688043,"channel":0,"num_words":36,"start":1137.115,"end":1148.2101},{"sentences":[{"text":"Alrighty.","start":1148.38,"end":1148.88,"sentiment":"neutral","sentiment_score":0.09048662334680556},{"text":"Yep.","start":1148.94,"end":1149.44,"sentiment":"neutral","sentiment_score":0.11979909986257552}],"sentiment":"neutral","sentiment_score":0.10514286160469054,"channel":1,"num_words":2,"start":1148.38,"end":1149.44},{"sentences":[{"text":"With the other buyers to rewrite your portfolio, we'll buy into the iShares Japanese.","start":1150.11,"end":1154.705,"sentiment":"neutral","sentiment_score":0.16991871914693288},{"text":"It's giving you exposure to the Japan market.","start":1154.705,"end":1157.205,"sentiment":"positive","sentiment_score":0.34589240700006485},{"text":"It's a really great place to be exposed to and has had some great returns over the past.","start":1157.6649,"end":1162.645,"sentiment":"positive","sentiment_score":0.6672564281357659},{"text":"So we're gonna hold 5% of the Japanese market then.","start":1163.025,"end":1166.325,"sentiment":"neutral","sentiment_score":0.28374571930617093},{"text":"The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment.","start":1166.51,"end":1174.2101,"sentiment":"neutral","sentiment_score":0.01041082770473534}],"sentiment":"neutral","sentiment_score":0.2508248133630848,"channel":0,"num_words":81,"start":1150.11,"end":1174.2101},{"sentences":[{"text":"This is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there.","start":1174.27,"end":1182.705,"sentiment":"neutral","sentiment_score":0.05394601620733738},{"text":"But","start":1183.005,"end":1183.245,"sentiment":"neutral","sentiment_score":0.0867246687412262}],"sentiment":"neutral","sentiment_score":0.05520673361248695,"channel":0,"num_words":26,"start":1174.27,"end":1183.245},{"sentences":[{"text":"Yep.","start":1183.14,"end":1183.64,"sentiment":"neutral","sentiment_score":0.1377570778131485}],"sentiment":"neutral","sentiment_score":0.1377570778131485,"channel":1,"num_words":1,"start":1183.14,"end":1183.64},{"sentences":[{"text":"this is essentially holding exposure to the entire globe, which is fantastic, giving you greater diversification in both already established markets, but also up and coming markets and opportunities as well.","start":1183.245,"end":1195.1799,"sentiment":"positive","sentiment_score":0.4187583880078408},{"text":"Okay?","start":1195.48,"end":1195.98,"sentiment":"neutral","sentiment_score":0.09408892691135406},{"text":"We'll hold 8% of the All World x US investment.","start":1197.24,"end":1201.34,"sentiment":"neutral","sentiment_score":0.09390188455581665},{"text":"And then because we have gotten rid of the ban along Australian equities, we still wanna increase our holding into the Australian market.","start":1201.96,"end":1209.095,"sentiment":"neutral","sentiment_score":0.057406207465607186},{"text":"So as I kind of I'm not sure if I spoke to you and explained before, but Banna Long generally is a it's an actively managed fund, and they normally hold about 15 to 25 different investment options within their fund there.","start":1209.475,"end":1222.2,"sentiment":"neutral","sentiment_score":0.026012509573428405}],"sentiment":"neutral","sentiment_score":0.15352790630379012,"channel":0,"num_words":107,"start":1183.245,"end":1222.2},{"sentences":[{"text":"We're replacing that with the BetaShares a 200.","start":1222.6,"end":1225.3999,"sentiment":"neutral","sentiment_score":0.06277899001725018},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":1225.3999,"end":1229.1799,"sentiment":"neutral","sentiment_score":0.13495651345986587},{"text":"We wanna hold 25% of this investment, and it essentially is giving you greater diversification.","start":1229.5599,"end":1235.1,"sentiment":"neutral","sentiment_score":0.22948436290025712},{"text":"Because instead of having 15 to 25 different companies on the ASX, you're getting exposure to the top 200.","start":1235.5599,"end":1241.875,"sentiment":"neutral","sentiment_score":0.1059550921383657},{"text":"So","start":1241.935,"end":1242.415,"sentiment":"neutral","sentiment_score":0.0999988093972206}],"sentiment":"neutral","sentiment_score":0.1395013856901122,"channel":0,"num_words":56,"start":1222.6,"end":1242.415},{"sentences":[{"text":"Yeah.","start":1242.41,"end":1242.57,"sentiment":"neutral","sentiment_score":0.1685076355934143}],"sentiment":"neutral","sentiment_score":0.1685076355934143,"channel":1,"num_words":1,"start":1242.41,"end":1242.57},{"sentences":[{"text":"it's","start":1242.415,"end":1242.655,"sentiment":"neutral","sentiment_score":0.19595029950141907}],"sentiment":"neutral","sentiment_score":0.19595029950141907,"channel":0,"num_words":1,"start":1242.415,"end":1242.655},{"sentences":[{"text":"Okay.","start":1242.57,"end":1243.07,"sentiment":"neutral","sentiment_score":0.22510218620300293}],"sentiment":"neutral","sentiment_score":0.22510218620300293,"channel":1,"num_words":1,"start":1242.57,"end":1243.07},{"sentences":[{"text":"building and growing on diversification, but it's also a low cost investment.","start":1242.655,"end":1246.275,"sentiment":"positive","sentiment_score":0.40613771478335065},{"text":"It's also a really good dividend paying investment as well.","start":1246.895,"end":1249.935,"sentiment":"positive","sentiment_score":0.6590908110141754},{"text":"So dividends are some of the highest, and it's those dividends are paid back to your cash account, which can be reinvested for compounding effect for you.","start":1249.935,"end":1258.3201,"sentiment":"positive","sentiment_score":0.4177588566585823},{"text":"Okay.","start":1258.3201,"end":1258.8201,"sentiment":"neutral","sentiment_score":0.13322454690933228}],"sentiment":"positive","sentiment_score":0.4575454872846603,"channel":0,"num_words":50,"start":1242.655,"end":1258.8201},{"sentences":[{"text":"Mhmm.","start":1258.705,"end":1259.205,"sentiment":"neutral","sentiment_score":0.10009567439556122},{"text":"Gold.","start":1259.505,"end":1260.005,"sentiment":"neutral","sentiment_score":0.18871168792247772}],"sentiment":"neutral","sentiment_score":0.14440368115901947,"channel":1,"num_words":2,"start":1258.705,"end":1260.005},{"sentences":[{"text":"Excellent.","start":1259.84,"end":1260.34,"sentiment":"neutral","sentiment_score":0.31988927721977234}],"sentiment":"neutral","sentiment_score":0.31988927721977234,"channel":0,"num_words":1,"start":1259.84,"end":1260.34},{"sentences":[{"text":"Yeah.","start":1260.3049,"end":1260.5449,"sentiment":"neutral","sentiment_score":0.1939216107130051},{"text":"Gold.","start":1260.5449,"end":1261.0449,"sentiment":"neutral","sentiment_score":0.17176762223243713}],"sentiment":"neutral","sentiment_score":0.1828446164727211,"channel":1,"num_words":2,"start":1260.3049,"end":1261.0449},{"sentences":[{"text":"Gold.","start":1261.2001,"end":1261.7001,"sentiment":"neutral","sentiment_score":0.14098942279815674},{"text":"Yeah.","start":1261.84,"end":1262.16,"sentiment":"neutral","sentiment_score":0.08387929201126099},{"text":"You don't currently have any physical gold in your portfolio, so we do wanna hold some.","start":1262.16,"end":1266.8351,"sentiment":"neutral","sentiment_score":0.05001768912188709},{"text":"Wanna hold about 7%.","start":1266.895,"end":1268.495,"sentiment":"neutral","sentiment_score":0.09723217226564884},{"text":"It has done really well over the past.","start":1268.495,"end":1270.595,"sentiment":"neutral","sentiment_score":0.2521791383624077}],"sentiment":"neutral","sentiment_score":0.11438378455738227,"channel":0,"num_words":30,"start":1261.2001,"end":1270.595},{"sentences":[{"text":"Yep.","start":1270.89,"end":1271.39,"sentiment":"neutral","sentiment_score":0.10696977376937866}],"sentiment":"neutral","sentiment_score":0.10696977376937866,"channel":1,"num_words":1,"start":1270.89,"end":1271.39},{"sentences":[{"text":"Has been has has its up and down this year as well as everything else, but we do wanna hold some physical gold and keep holding physical gold for you.","start":1271.135,"end":1279.2201,"sentiment":"neutral","sentiment_score":0.11464622244238853},{"text":"So 7% will be bought into your portfolio.","start":1279.2201,"end":1281.7201,"sentiment":"neutral","sentiment_score":0.15767309069633484},{"text":"Okay?","start":1282.1001,"end":1282.6001,"sentiment":"neutral","sentiment_score":0.07932215929031372},{"text":"And then you've got the iShares Core composite bond.","start":1284.66,"end":1287.14,"sentiment":"neutral","sentiment_score":0.13677741587162018},{"text":"So within the high growth environment, we still wanna hold some low risk defensive investments like bonds.","start":1287.14,"end":1293.015,"sentiment":"neutral","sentiment_score":0.20591841725742116}],"sentiment":"neutral","sentiment_score":0.14633389837466754,"channel":0,"num_words":65,"start":1271.135,"end":1293.015},{"sentences":[{"text":"They are good for income producing.","start":1293.2351,"end":1294.8551,"sentiment":"positive","sentiment_score":0.619517038265864},{"text":"They pay income into your cash account that gets redistributed across the compounding effect, but it's also about holding some defensive assets.","start":1295.395,"end":1303.4751,"sentiment":"positive","sentiment_score":0.47201447730714624},{"text":"So when, say, equities aren't doing so well, you do have gold, which can be a mitigator and act defensively, but core composite bonds also tend to do well, and defensive investments tend to do well when equity markets aren't performing as well.","start":1303.4751,"end":1316.79,"sentiment":"positive","sentiment_score":0.34660295067831526},{"text":"So we do wanna have a mix of growth plus defensive investments and holding physical goal, which is growth, but also acts defensively can assist you in that as well.","start":1316.79,"end":1326.105,"sentiment":"positive","sentiment_score":0.45771908859411875},{"text":"That's essentially a quick breakdown of the investments.","start":1326.725,"end":1329.285,"sentiment":"neutral","sentiment_score":0.1969787422567606}],"sentiment":"positive","sentiment_score":0.40653899271006977,"channel":0,"num_words":109,"start":1293.2351,"end":1329.285},{"sentences":[{"text":"Do you have much?","start":1329.285,"end":1330.345,"sentiment":"neutral","sentiment_score":0.07880487851798534},{"text":"Any questions in relation to any of those?","start":1330.5651,"end":1332.5651,"sentiment":"neutral","sentiment_score":0.06217327294871211},{"text":"Did you want me to delve deeper into anything specific for you?","start":1332.5651,"end":1335.785,"sentiment":"neutral","sentiment_score":0.05457810964435339}],"sentiment":"neutral","sentiment_score":0.06114762555807829,"channel":0,"num_words":24,"start":1329.285,"end":1335.785},{"sentences":[{"text":"No.","start":1336.895,"end":1337.375,"sentiment":"neutral","sentiment_score":-0.07406510412693024},{"text":"Not really, but it's interesting to see it like that.","start":1337.375,"end":1339.615,"sentiment":"neutral","sentiment_score":-0.13033394813537597},{"text":"I've never looked at it like that before.","start":1339.615,"end":1341.4551,"sentiment":"neutral","sentiment_score":-0.15015488862991333},{"text":"So","start":1341.4551,"end":1341.535,"sentiment":"neutral","sentiment_score":-0.05419244617223739}],"sentiment":"neutral","sentiment_score":-0.1316418070346117,"channel":1,"num_words":20,"start":1336.895,"end":1341.535},{"sentences":[{"text":"It","start":1341.89,"end":1342.05,"sentiment":"neutral","sentiment_score":-0.05351252481341362}],"sentiment":"neutral","sentiment_score":-0.05351252481341362,"channel":0,"num_words":1,"start":1341.89,"end":1342.05},{"sentences":[{"text":"yeah.","start":1341.935,"end":1342.435,"sentiment":"neutral","sentiment_score":-0.031033476814627647}],"sentiment":"neutral","sentiment_score":-0.031033476814627647,"channel":1,"num_words":1,"start":1341.935,"end":1342.435},{"sentences":[{"text":"definitely isn't it?","start":1342.05,"end":1343.27,"sentiment":"neutral","sentiment_score":-0.03366427433987459}],"sentiment":"neutral","sentiment_score":-0.03366427433987459,"channel":0,"num_words":3,"start":1342.05,"end":1343.27},{"sentences":[{"text":"Yeah.","start":1343.855,"end":1344.355,"sentiment":"neutral","sentiment_score":0.04599495604634285}],"sentiment":"neutral","sentiment_score":0.04599495604634285,"channel":1,"num_words":1,"start":1343.855,"end":1344.355},{"sentences":[{"text":"Yeah.","start":1345.17,"end":1345.67,"sentiment":"neutral","sentiment_score":0.13574734330177307},{"text":"All good.","start":1345.81,"end":1346.55,"sentiment":"positive","sentiment_score":0.3350706547498703},{"text":"On the next page down, you are holding a bit over 5,000 in cash at the moment.","start":1347.41,"end":1351.845,"sentiment":"neutral","sentiment_score":0.07700413158711265},{"text":"So your portfolio does have a higher cash limit than what we'd like.","start":1351.845,"end":1356.025,"sentiment":"neutral","sentiment_score":0.07770090349591695},{"text":"We will just take a bit over 2,000 of that and reinvest it back into the portfolio.","start":1356.325,"end":1360.345,"sentiment":"neutral","sentiment_score":0.20610993530820398}],"sentiment":"neutral","sentiment_score":0.13257879070937634,"channel":0,"num_words":50,"start":1345.17,"end":1360.345},{"sentences":[{"text":"Realistically, we don't wanna hold more than 1.25% cash.","start":1360.485,"end":1364.345,"sentiment":"neutral","sentiment_score":0.006942093786266115},{"text":"And when I looked at things, your cash holding was a little bit high.","start":1364.53,"end":1367.57,"sentiment":"neutral","sentiment_score":0.01484306130026068},{"text":"So we'll just reinvest some of that money for you as well.","start":1367.57,"end":1370.69,"sentiment":"neutral","sentiment_score":0.20574468870957693},{"text":"Okay?","start":1370.69,"end":1371.19,"sentiment":"neutral","sentiment_score":0.07693251967430115}],"sentiment":"neutral","sentiment_score":0.07822640240192413,"channel":0,"num_words":36,"start":1360.485,"end":1371.19},{"sentences":[{"text":"Yep.","start":1370.995,"end":1371.495,"sentiment":"neutral","sentiment_score":0.0764269158244133},{"text":"So how does how does the the get high?","start":1371.62,"end":1373.9401,"sentiment":"neutral","sentiment_score":0.02871350281768375},{"text":"Or is that just because it's or what is that?","start":1373.9401,"end":1376.8401,"sentiment":"neutral","sentiment_score":-0.005347357038408518}],"sentiment":"neutral","sentiment_score":0.014068743539974093,"channel":1,"num_words":20,"start":1370.995,"end":1376.8401},{"sentences":[{"text":"Yeah.","start":1377.255,"end":1377.655,"sentiment":"neutral","sentiment_score":0.030732721090316772}],"sentiment":"neutral","sentiment_score":0.030732721090316772,"channel":0,"num_words":1,"start":1377.255,"end":1377.655},{"sentences":[{"text":"What","start":1377.62,"end":1377.86,"sentiment":"neutral","sentiment_score":0.02681102231144905}],"sentiment":"neutral","sentiment_score":0.02681102231144905,"channel":1,"num_words":1,"start":1377.62,"end":1377.86},{"sentences":[{"text":"So,","start":1377.655,"end":1377.975,"sentiment":"neutral","sentiment_score":0.02234087511897087}],"sentiment":"neutral","sentiment_score":0.02234087511897087,"channel":0,"num_words":1,"start":1377.655,"end":1377.975},{"sentences":[{"text":"is","start":1377.86,"end":1378.02,"sentiment":"neutral","sentiment_score":0.020170364528894424}],"sentiment":"neutral","sentiment_score":0.020170364528894424,"channel":1,"num_words":1,"start":1377.86,"end":1378.02},{"sentences":[{"text":"essentially,","start":1377.975,"end":1378.475,"sentiment":"neutral","sentiment_score":0.03434009104967117}],"sentiment":"neutral","sentiment_score":0.03434009104967117,"channel":0,"num_words":1,"start":1377.975,"end":1378.475},{"sentences":[{"text":"that?","start":1378.02,"end":1378.52,"sentiment":"neutral","sentiment_score":0.02789168991148472}],"sentiment":"neutral","sentiment_score":0.02789168991148472,"channel":1,"num_words":1,"start":1378.02,"end":1378.52},{"sentences":[{"text":"every month that does go through and do, like, a rebalance of the cash holdings.","start":1378.6951,"end":1383.035,"sentiment":"neutral","sentiment_score":0.060809011260668434},{"text":"But sometimes in between that month, you might get more dividends or they may have held a little bit more cash than they needed because they were expecting more in the way of admin fees or something to come out with.","start":1383.5751,"end":1393.87,"sentiment":"neutral","sentiment_score":-0.024463962808978265},{"text":"So there could","start":1393.87,"end":1394.6699,"sentiment":"neutral","sentiment_score":0.016621022174755733}],"sentiment":"neutral","sentiment_score":-0.0006953260971833084,"channel":0,"num_words":59,"start":1378.6951,"end":1394.6699},{"sentences":[{"text":"Yes.","start":1394.475,"end":1394.975,"sentiment":"neutral","sentiment_score":0.05501171946525574}],"sentiment":"neutral","sentiment_score":0.05501171946525574,"channel":1,"num_words":1,"start":1394.475,"end":1394.975},{"sentences":[{"text":"be a few different reasons there,","start":1394.6699,"end":1396.45,"sentiment":"neutral","sentiment_score":0.04381930083036423}],"sentiment":"neutral","sentiment_score":0.04381930083036423,"channel":0,"num_words":6,"start":1394.6699,"end":1396.45},{"sentences":[{"text":"Yes.","start":1396.155,"end":1396.395,"sentiment":"neutral","sentiment_score":0.11949269473552704},{"text":"Yes.","start":1396.395,"end":1396.895,"sentiment":"neutral","sentiment_score":0.1625691056251526}],"sentiment":"neutral","sentiment_score":0.1410309001803398,"channel":1,"num_words":2,"start":1396.155,"end":1396.895},{"sentences":[{"text":"but we just wanted to make sure that we reflect that and put that cash back in.","start":1396.6699,"end":1400.83,"sentiment":"neutral","sentiment_score":0.2592906364623238},{"text":"It could also be that you've received a few additional contributions over the month.","start":1400.83,"end":1404.85,"sentiment":"neutral","sentiment_score":0.23073855627860343},{"text":"And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet.","start":1405.015,"end":1411.655,"sentiment":"neutral","sentiment_score":-0.15499328523874284},{"text":"So there are times","start":1411.655,"end":1412.455,"sentiment":"neutral","sentiment_score":-0.05466155055910349}],"sentiment":"neutral","sentiment_score":0.05908003790924946,"channel":0,"num_words":60,"start":1396.6699,"end":1412.455},{"sentences":[{"text":"Yeah.","start":1412.39,"end":1412.89,"sentiment":"neutral","sentiment_score":-0.069784015417099}],"sentiment":"neutral","sentiment_score":-0.069784015417099,"channel":1,"num_words":1,"start":1412.39,"end":1412.89},{"sentences":[{"text":"when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your 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I can get you to scroll down for me to page number 23, I'll take you through the insurance recommendations now.","start":1424.88,"end":1432.9801,"sentiment":"neutral","sentiment_score":0.2722177261655981}],"sentiment":"neutral","sentiment_score":0.2912803706915482,"channel":0,"num_words":23,"start":1423.6001,"end":1432.9801},{"sentences":[{"text":"Yep.","start":1433.54,"end":1434.04,"sentiment":"neutral","sentiment_score":0.2278035879135132}],"sentiment":"neutral","sentiment_score":0.2278035879135132,"channel":1,"num_words":1,"start":1433.54,"end":1434.04},{"sentences":[{"text":"Beautiful.","start":1435.0249,"end":1435.5249,"sentiment":"positive","sentiment_score":0.4843814969062805},{"text":"Now, essentially, one thing that we talked about was that you do have the current tower policy, which gives you life and TPD.","start":1436.1449,"end":1442.965,"sentiment":"neutral","sentiment_score":0.05075331477691298},{"text":"You were happy with the level of life and TPD that you have, but the 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about going back and looking at TBD and trying to get you a better definition.","start":1475.555,"end":1480.51,"sentiment":"neutral","sentiment_score":-0.07926844549365342},{"text":"After going to the pre assessment, my team pre assessed it with the different insurers out there, and Zurich came back to be one of the better costings.","start":1481.53,"end":1489.07,"sentiment":"neutral","sentiment_score":0.005273864338440555},{"text":"And they came back noting that based on what they had, they were willing to offer TBD to you within any occupation definition.","start":1489.21,"end":1497.6749,"sentiment":"neutral","sentiment_score":0.05035781649791676},{"text":"This just essentially means that in the event that you're unable to go back to work again, you just need to be unable to ever go back to work in any occupation for which you were educated or trained or have worked.","start":1498.0549,"end":1509.52,"sentiment":"neutral","sentiment_score":-0.02504810846100251},{"text":"So it is a much easier definition to claim on rather than ADL, albeit it is harder because they look at any occupation.","start":1510.0599,"end":1516.72,"sentiment":"neutral","sentiment_score":0.031746093831632446}],"sentiment":"neutral","sentiment_score":-0.002153466243974187,"channel":0,"num_words":132,"start":1475.555,"end":1516.72},{"sentences":[{"text":"However,","start":1517.58,"end":1518.08,"sentiment":"neutral","sentiment_score":0.0441884882748127}],"sentiment":"neutral","sentiment_score":0.0441884882748127,"channel":0,"num_words":1,"start":1517.58,"end":1518.08},{"sentences":[{"text":"Yep.","start":1517.6,"end":1518.1,"sentiment":"neutral","sentiment_score":0.09603246301412582}],"sentiment":"neutral","sentiment_score":0.09603246301412582,"channel":1,"num_words":1,"start":1517.6,"end":1518.1},{"sentences":[{"text":"you are more likely to claim on this rather than the ADL definition, if that makes 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insurers haven't come back noting that there could be anything, you know, with regard to the blood pressure, but they will assess your health.","start":1564.5299,"end":1571.4299,"sentiment":"neutral","sentiment_score":-0.09151302620768548},{"text":"They may ask for additional tests, and they may request doctor's records as well just","start":1572.0499,"end":1577.215,"sentiment":"neutral","sentiment_score":-0.003980816093583902}],"sentiment":"neutral","sentiment_score":-0.038494148253891115,"channel":0,"num_words":74,"start":1550.455,"end":1577.215},{"sentences":[{"text":"Yep.","start":1577.03,"end":1577.53,"sentiment":"neutral","sentiment_score":-0.007651424966752529}],"sentiment":"neutral","sentiment_score":-0.007651424966752529,"channel":1,"num_words":1,"start":1577.03,"end":1577.53},{"sentences":[{"text":"before they put the policy in force to confirm if there are any additional loadings or exclusions or altered terms that they would apply.","start":1577.215,"end":1583.7949,"sentiment":"neutral","sentiment_score":-0.08338970892752211},{"text":"If there is, they would come back to us first, but we just like to make sure that you're aware of the risks of doing so.","start":1584.0149,"end":1589.97,"sentiment":"neutral","sentiment_score":-0.15975497548396772},{"text":"But at the","start":1590.21,"end":1590.69,"sentiment":"neutral","sentiment_score":0.14578916629155478}],"sentiment":"neutral","sentiment_score":-0.1078795259994156,"channel":0,"num_words":53,"start":1577.215,"end":1590.69},{"sentences":[{"text":"Yep.","start":1590.515,"end":1591.015,"sentiment":"neutral","sentiment_score":0.2741561830043793}],"sentiment":"neutral","sentiment_score":0.2741561830043793,"channel":1,"num_words":1,"start":1590.515,"end":1591.015},{"sentences":[{"text":"end of the day, as long as there's nothing that comes out, having this life and TBD, it's actually cheaper than what you're currently paying for, and it provides you with a greater level of cover of t TBD, which allows you to claim in the event of you being not able to go back to work again and meet you at any occupation definition.","start":1590.69,"end":1608.355,"sentiment":"positive","sentiment_score":0.3386538321009049},{"text":"Does that make sense?","start":1608.495,"end":1609.2949,"sentiment":"neutral","sentiment_score":0.09750291518867016},{"text":"Do you have any questions?","start":1609.2949,"end":1610.595,"sentiment":"neutral","sentiment_score":0.02869049571454525}],"sentiment":"neutral","sentiment_score":0.3046751787281922,"channel":0,"num_words":74,"start":1590.69,"end":1610.595},{"sentences":[{"text":"No.","start":1611.6749,"end":1611.835,"sentiment":"neutral","sentiment_score":-0.26199766993522644},{"text":"It makes sense.","start":1611.835,"end":1612.635,"sentiment":"neutral","sentiment_score":-0.1491414283712705},{"text":"And hopefully,","start":1612.635,"end":1613.355,"sentiment":"neutral","sentiment_score":-0.17196325957775116}],"sentiment":"neutral","sentiment_score":-0.17555807903409004,"channel":1,"num_words":6,"start":1611.6749,"end":1613.355},{"sentences":[{"text":"Yeah.","start":1613.2949,"end":1613.7949,"sentiment":"neutral","sentiment_score":-0.14847597479820251}],"sentiment":"neutral","sentiment_score":-0.14847597479820251,"channel":0,"num_words":1,"start":1613.2949,"end":1613.7949},{"sentences":[{"text":"it never comes with that.","start":1613.355,"end":1614.395,"sentiment":"neutral","sentiment_score":-0.26294966340065},{"text":"Yeah.","start":1614.395,"end":1614.895,"sentiment":"neutral","sentiment_score":-0.1614660620689392}],"sentiment":"neutral","sentiment_score":-0.2460357298453649,"channel":1,"num_words":6,"start":1613.355,"end":1614.895},{"sentences":[{"text":"I absolutely.","start":1614.975,"end":1615.955,"sentiment":"neutral","sentiment_score":-0.29759640991687775},{"text":"I think that's one of the biggest risks we have when it comes to insurances is that we hold the policy, we pay the premiums, and then we never actually claim on it.","start":1616.255,"end":1624.73,"sentiment":"negative","sentiment_score":-0.4977163789850293},{"text":"So we get 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yeah, we just 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have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something.","start":1629.37,"end":1637.845,"sentiment":"neutral","sentiment_score":-0.1844076741582308},{"text":"Life cover, someone's passed away, TBD.","start":1638.0651,"end":1640.405,"sentiment":"neutral","sentiment_score":-0.22014222790797552},{"text":"You're never able to go back to work again and suffering a 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one of those, yeah, one of those things.","start":1645.425,"end":1648.76,"sentiment":"neutral","sentiment_score":-0.11767414460579555},{"text":"It's got some positives and some negatives to it, unfortunately.","start":1648.76,"end":1651.5,"sentiment":"neutral","sentiment_score":-0.23587584495544434}],"sentiment":"neutral","sentiment_score":-0.1798855658424528,"channel":0,"num_words":19,"start":1645.425,"end":1651.5},{"sentences":[{"text":"Yep.","start":1652.4801,"end":1652.9801,"sentiment":"neutral","sentiment_score":0.009680887684226036},{"text":"As long 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$1,390.59.","start":1683.65,"end":1691.27,"sentiment":"neutral","sentiment_score":0.05000621967894189}],"sentiment":"neutral","sentiment_score":0.10994375683367252,"channel":0,"num_words":43,"start":1675.7151,"end":1691.27},{"sentences":[{"text":"Yep.","start":1691.7799,"end":1692.075,"sentiment":"neutral","sentiment_score":0.0444776825606823}],"sentiment":"neutral","sentiment_score":0.0444776825606823,"channel":1,"num_words":1,"start":1691.7799,"end":1692.075},{"sentences":[{"text":"You'll see on that page there, it's got $16.35.","start":1691.885,"end":1694.5249,"sentiment":"neutral","sentiment_score":0.052349869161844254},{"text":"That's how much the insurer receives to the policy, but you do get a 15% discount when it is deducted out of 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much","start":1715.06,"end":1715.62,"sentiment":"neutral","sentiment_score":0.018346919988592465}],"sentiment":"neutral","sentiment_score":0.01802529702679469,"channel":0,"num_words":26,"start":1702.205,"end":1715.62},{"sentences":[{"text":"Yeah.","start":1715.51,"end":1716.01,"sentiment":"neutral","sentiment_score":0.03750908374786377}],"sentiment":"neutral","sentiment_score":0.03750908374786377,"channel":1,"num_words":1,"start":1715.51,"end":1716.01},{"sentences":[{"text":"the insurer receives.","start":1715.62,"end":1717.0,"sentiment":"neutral","sentiment_score":0.030811080088218052},{"text":"How much you have paid out of super is about 1,790.","start":1717.325,"end":1721.345,"sentiment":"neutral","sentiment_score":0.045931911265308205},{"text":"So it's a much better definition, but it's also a cheaper policy, which is 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for you.","start":1740.01,"end":1742.17,"sentiment":"positive","sentiment_score":0.484182899648493},{"text":"I have gone through a lot of the advantages, disadvantages, the risks involved, but you're welcome to take some time to read through those as well.","start":1742.17,"end":1748.745,"sentiment":"neutral","sentiment_score":0.230274035810278}],"sentiment":"neutral","sentiment_score":0.29314760536682316,"channel":0,"num_words":41,"start":1737.6901,"end":1748.745},{"sentences":[{"text":"Okay?","start":1748.8049,"end":1749.3049,"sentiment":"neutral","sentiment_score":0.3303062915802002}],"sentiment":"neutral","sentiment_score":0.3303062915802002,"channel":0,"num_words":1,"start":1748.8049,"end":1749.3049},{"sentences":[{"text":"I appreciate that.","start":1749.275,"end":1750.235,"sentiment":"positive","sentiment_score":0.671783447265625},{"text":"Thank 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excellent.","start":2123.4849,"end":2124.4448,"sentiment":"positive","sentiment_score":0.5634163916110992},{"text":"The last thing I just wanted to show you just because I like to be full with my disclosure.","start":2124.4448,"end":2128.95,"sentiment":"neutral","sentiment_score":0.14467848641307732},{"text":"On page number 37, we do outline the remuneration side of things.","start":2129.01,"end":2132.93,"sentiment":"neutral","sentiment_score":0.09660917023817699},{"text":"So it is really important that we open and let you know that we do receive remuneration from the insurer for writing insurance products.","start":2132.93,"end":2140.755,"sentiment":"neutral","sentiment_score":0.1359420195221901}],"sentiment":"neutral","sentiment_score":0.1542567375661998,"channel":0,"num_words":58,"start":2122.845,"end":2140.755},{"sentences":[{"text":"This has no reflection on why I've made the 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aware.","start":2158.3801,"end":2161.28,"sentiment":"neutral","sentiment_score":0.07225580679045783},{"text":"Okay?","start":2161.42,"end":2161.92,"sentiment":"neutral","sentiment_score":0.04499351978302002}],"sentiment":"neutral","sentiment_score":0.11961702599881156,"channel":0,"num_words":62,"start":2140.755,"end":2161.92},{"sentences":[{"text":"Yep.","start":2161.855,"end":2162.355,"sentiment":"neutral","sentiment_score":0.04137956351041794},{"text":"Yep.","start":2162.415,"end":2162.895,"sentiment":"neutral","sentiment_score":0.026538312435150143},{"text":"Well, you gotta make money from me.","start":2162.895,"end":2164.4949,"sentiment":"neutral","sentiment_score":-0.12541395319359644},{"text":"I don't know if 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disclose that to you, essentially.","start":2190.8699,"end":2193.05,"sentiment":"neutral","sentiment_score":0.010389860020950437},{"text":"Okay?","start":2193.43,"end":2193.93,"sentiment":"neutral","sentiment_score":0.02969547174870968}],"sentiment":"neutral","sentiment_score":0.012534927990701463,"channel":0,"num_words":9,"start":2190.8699,"end":2193.93},{"sentences":[{"text":"Yep.","start":2193.605,"end":2194.105,"sentiment":"neutral","sentiment_score":0.04576890915632248},{"text":"No 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right,","start":2202.91,"end":2204.1099,"sentiment":"neutral","sentiment_score":-0.08249804973602295}],"sentiment":"neutral","sentiment_score":-0.0905282919605573,"channel":1,"num_words":6,"start":2202.51,"end":2204.1099},{"sentences":[{"text":"No?","start":2203.805,"end":2204.305,"sentiment":"neutral","sentiment_score":-0.049483660608530045}],"sentiment":"neutral","sentiment_score":-0.049483660608530045,"channel":0,"num_words":1,"start":2203.805,"end":2204.305},{"sentences":[{"text":"Sunil.","start":2204.1099,"end":2204.6099,"sentiment":"neutral","sentiment_score":0.06382225453853607},{"text":"Yeah.","start":2204.67,"end":2205.17,"sentiment":"neutral","sentiment_score":0.1650235801935196}],"sentiment":"neutral","sentiment_score":0.11442291736602783,"channel":1,"num_words":2,"start":2204.1099,"end":2205.17},{"sentences":[{"text":"Beautiful.","start":2205.325,"end":2205.825,"sentiment":"positive","sentiment_score":0.5324641466140747}],"sentiment":"positive","sentiment_score":0.5324641466140747,"channel":0,"num_words":1,"start":2205.325,"end":2205.825},{"sentences":[{"text":"Yep.","start":2205.47,"end":2205.97,"sentiment":"positive","sentiment_score":0.37470683455467224}],"sentiment":"positive","sentiment_score":0.37470683455467224,"channel":1,"num_words":1,"start":2205.47,"end":2205.97},{"sentences":[{"text":"Lovely.","start":2205.885,"end":2206.285,"sentiment":"positive","sentiment_score":0.632612943649292},{"text":"Well, you're welcome to take it back and have a read through the document there.","start":2206.285,"end":2209.56,"sentiment":"positive","sentiment_score":0.34680597186088563},{"text":"If you do find you have any questions, you're welcome to let me know.","start":2209.8,"end":2212.84,"sentiment":"neutral","sentiment_score":0.26629048053707394},{"text":"And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as 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worries.","start":2219.585,"end":2220.325,"sentiment":"neutral","sentiment_score":0.29326482117176056}],"sentiment":"neutral","sentiment_score":0.29326482117176056,"channel":1,"num_words":2,"start":2219.585,"end":2220.325},{"sentences":[{"text":"Beautiful.","start":2220.36,"end":2220.86,"sentiment":"positive","sentiment_score":0.6448818445205688}],"sentiment":"positive","sentiment_score":0.6448818445205688,"channel":0,"num_words":1,"start":2220.36,"end":2220.86},{"sentences":[{"text":"Alright.","start":2220.385,"end":2220.885,"sentiment":"positive","sentiment_score":0.530820369720459}],"sentiment":"positive","sentiment_score":0.530820369720459,"channel":1,"num_words":1,"start":2220.385,"end":2220.885},{"sentences":[{"text":"Thank you so much for your time this afternoon, Daniel.","start":2221.08,"end":2223.96,"sentiment":"positive","sentiment_score":0.8274960994720459},{"text":"I really appreciate 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talk to you very soon.","start":2234.2588,"end":2236.6787,"sentiment":"neutral","sentiment_score":0.28981802240014076}],"sentiment":"positive","sentiment_score":0.3971338212490082,"channel":0,"num_words":20,"start":2229.535,"end":2236.6787},{"sentences":[{"text":"Okay.","start":2236.93,"end":2237.25,"sentiment":"neutral","sentiment_score":0.3104090094566345},{"text":"Good on you.","start":2237.25,"end":2237.89,"sentiment":"positive","sentiment_score":0.6402885715166727},{"text":"Thanks again once","start":2237.89,"end":2238.8188,"sentiment":"positive","sentiment_score":0.7228755752245585}],"sentiment":"positive","sentiment_score":0.6285573499543327,"channel":1,"num_words":7,"start":2236.93,"end":2238.8188},{"sentences":[{"text":"Thanks, Daniel.","start":2239.139,"end":2240.0989,"sentiment":"positive","sentiment_score":0.7411244511604309},{"text":"My pleasure.","start":2240.0989,"end":2240.7388,"sentiment":"positive","sentiment_score":0.7811345756053925},{"text":"See you later.","start":2240.7388,"end":2241.5588,"sentiment":"positive","sentiment_score":0.5560642083485922}],"sentiment":"positive","sentiment_score":0.6732443826539176,"channel":0,"num_words":7,"start":2239.139,"end":2241.5588},{"sentences":[{"text":"again, cheap.","start":2241.2988,"end":2241.619,"sentiment":"positive","sentiment_score":0.45822635293006897},{"text":"Okay.","start":2241.619,"end":2241.939,"sentiment":"positive","sentiment_score":0.3668701946735382},{"text":"Have a good evening.","start":2241.939,"end":2242.8188,"sentiment":"positive","sentiment_score":0.5696443617343903},{"text":"See you.","start":2242.8188,"end":2243.4788,"sentiment":"positive","sentiment_score":0.41402505338191986}],"sentiment":"positive","sentiment_score":0.48777227269278634,"channel":1,"num_words":9,"start":2241.2988,"end":2243.4788},{"sentences":[{"text":"Bye.","start":2243.0588,"end":2243.5588,"sentiment":"neutral","sentiment_score":0.2027391642332077}],"sentiment":"neutral","sentiment_score":0.2027391642332077,"channel":0,"num_words":1,"start":2243.0588,"end":2243.5588},{"sentences":[{"text":"Bye.","start":2243.7788,"end":2244.2788,"sentiment":"neutral","sentiment_score":-0.09813292324543}],"sentiment":"neutral","sentiment_score":-0.09813292324543,"channel":1,"num_words":1,"start":2243.7788,"end":2244.2788}]},"summary":{"result":"success","short":"During a call with OQ Financial, Daniel is advised to review his retirement goals and retirement savings documents and to change his investment options. The agent emphasizes the importance of maintaining risk capacity and employer contributions in the future and recommends transferring investments to a hub 24 platform. The speaker emphasizes the benefits of the hub 24 platform and warns of potential risks in the high growth environment. The agent also discusses the customer's investment portfolio and recommends replacing their current coverage with the new coverage. The agent emphasizes the importance of the policy and provides a disclosure policy. The conversation ends with the speaker thanking the caller and reminding them to take a look at the policy document."},"intents":{"segments":[{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah.","start_word":26,"end_word":48,"intents":[{"intent":"Confirm status of statement of advice","confidence_score":0.00021055978}]},{"text":"I do send a document to you so you can review that with me as we're going through things. Are you able to access your emails there currently?","start_word":63,"end_word":90,"intents":[{"intent":"Access emails","confidence_score":0.78230786}]},{"text":"I do send a document to you so you can review that with me as we're going through things. Are you able to access your emails there currently? I could.","start_word":63,"end_word":92,"intents":[{"intent":"Send document","confidence_score":0.06548134}]},{"text":"I do send a document to you so you can review that with me as we're going through things. Are you able to access your emails there currently? I could. Yeah.","start_word":63,"end_word":93,"intents":[{"intent":"Provide email","confidence_score":0.0019532233}]},{"text":"And just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here. Daniel Davies.","start_word":205,"end_word":231,"intents":[{"intent":"Confirm security","confidence_score":0.24850535},{"intent":"Verify account information","confidence_score":0.0000017668491}]},{"text":"There's a document. It should say statement of when you press sign request, it should Statement. go. So when you press I believe it says click to sign or sign here. Yeah. And then it should allow you to see the the front of the pay the front heading, a statement of advice. Sign document?","start_word":346,"end_word":400,"intents":[{"intent":"Inquire about document features","confidence_score":0.0000016389216}]},{"text":"So I got the statement of of advice. Yep.","start_word":415,"end_word":423,"intents":[{"intent":"Provide statement of advice","confidence_score":0.2770628}]},{"text":"For yourself with the 09/07/2026 on the front there. And on the bottom of that same page, you've got my authorized representative number. So I'm a licensed financial adviser through ASIC, and my registration number is 1304394. Okay? Yep.","start_word":426,"end_word":464,"intents":[{"intent":"Confirm position","confidence_score":0.0009790784},{"intent":"Provide financial adviser information","confidence_score":0.00038375994}]},{"text":"I'll take you to the pages that we need to sort of touch on to make sure we're hitting everything, but then I'll let you go back so you can have some time to read it through as well prior to taking the advice. Okay? Okay.","start_word":469,"end_word":514,"intents":[{"intent":"Provide guidance","confidence_score":0.0062400885}]},{"text":"If I can move you down forward to the next page, you've got the best interest duty. That's just outlining that any advice we do provide is some sort of under the corporations act, and we have a fiduciary duty to make sure that we are working in your best interest, and that any advice that we do provide is to meeting look sorry. Working towards meeting Yep. your goals. Okay? Yep.","start_word":515,"end_word":586,"intents":[{"intent":"Define purpose of call","confidence_score":0.00018866248},{"intent":"Reassure about best interest duty","confidence_score":0.0018703965},{"intent":"Provide best interest duty","confidence_score":0.0059102117}]},{"text":"On page number three, we start with the scoping in and out. So these are areas that we are and are not looking at advice with regard to today. So, essentially, we were looking at superannuation, looking at readjusting the portfolio for you to remove any underperforming investments and make sure your super is working as hard as possible for you.","start_word":588,"end_word":648,"intents":[{"intent":"Identify underperforming investments","confidence_score":0.0006024816}]},{"text":"One of your goals was that you were looking to retire as early as possible. You had a goal of working towards retirement at the age of 60, which is the earliest possible we can access super currently, and Yep. maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to.","start_word":649,"end_word":707,"intents":[{"intent":"Ensure optimal retirement","confidence_score":0.00012564048}]},{"text":"maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to.","start_word":689,"end_word":707,"intents":[{"intent":"Continue working","confidence_score":0.083404966},{"intent":"Transition to part-time employment","confidence_score":0.06720896}]},{"text":"We also have the estate planning side of things in here. Now, realistically, when we sort of spoke, your will and power of attorneys are all up to date and reflective of your wishes, and you do also have a nomination on your current life insurance policy and also your superannuation nominating Kylie in the event Yep.","start_word":741,"end_word":797,"intents":[{"intent":"Discuss life and tdd policy","confidence_score":0.0006822495}]},{"text":"So as we kinda went through, you do have a a harder definition, the activities of daily living sort of TBD policy. And so you do sort of agree for me to go back and have a look and make a recommendation around attempting to get a better definition of TBD, allowing you if in the event of being disabled or unable to go back to work ever again, making sure you have the best definitions possible to claim on that.","start_word":822,"end_word":902,"intents":[{"intent":"Provide guidance on tdd definition","confidence_score":0.0038195897}]},{"text":"So we've gone back and reassessed that for you, and I have been able to come up with an option. So, essentially, we are making a recommendation for life and TBD for you. And so I have scoped in the estate planning for the beneficiary nomination as whenever we recommend new super products or new life insurance products, that we also recommend attaching a beneficiary nominations that in line with your goals. Does that make sense?","start_word":903,"end_word":978,"intents":[{"intent":"Provide options for future reference","confidence_score":0.000046093373}]},{"text":"No? Yes. Beautiful.","start_word":989,"end_word":991,"intents":[{"intent":"Confirm understanding of definition","confidence_score":0.0045208763}]},{"text":"You were happy to review the t b dev TPD definition to determine whether it could be improved or provide any recommended changes in place to improve your better overall position. So I have gone back and looked at the life and the TPD cover and made a recommendation to make sure that you have the best TPD definitions, but also making a recommendation around life.","start_word":1029,"end_word":1094,"intents":[{"intent":"Recommend tdb definition","confidence_score":0.003196041},{"intent":"Recommend tdb definitions","confidence_score":0.009440021}]},{"text":"The next phase outlines anything that we're not providing advice around. So we've essentially scoped out the retirement income side of things. So now you are a lot younger. There's we're not able to, you know, project all the way to retirement at this particular stage. Uh-huh.","start_word":1140,"end_word":1186,"intents":[{"intent":"Discuss retirement objectives","confidence_score":0.00912287}]},{"text":"But, also, you know, looking at ways to minimize the fees where possible and also mindful of the capital gains consequences.","start_word":1461,"end_word":1481,"intents":[{"intent":"Reduce fees","confidence_score":0.008919485}]},{"text":"I did go back and have a look at everything and look at the research, and I've recommended that you do retain Hub twenty four. The platform is fine.","start_word":1558,"end_word":1586,"intents":[{"intent":"Maintain hua twenty four","confidence_score":0.0048664394}]},{"text":"But I reviewed the portfolio you're in. You still wanted to be in a high growth environment, so taking a bit more risk in the market now to get greater potential returns. And given your time horizon, your risk capacity, that high growth portfolio still absolutely fits where you're at currently. But we wanted to make sure that we can look at any investments and update things as we work towards your retirement goals there.","start_word":1655,"end_word":1729,"intents":[{"intent":"Update portfolio","confidence_score":0.25890675}]},{"text":"So we are recommending an investment switch for you and then just making sure that your employer contributions continue to go into Hub 24 on a regular basis, taking Yep. advantage of the dollar cost averaging and building on the the work that the portfolio can do on its own there as well. Okay?","start_word":1730,"end_word":1783,"intents":[{"intent":"Recommend investment switch","confidence_score":0.22959472},{"intent":"Set investment goals","confidence_score":0.0005668752}]},{"text":"On that page, when you take some time to have a read, you'll notice it's got the best interest duty. All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially. Okay?","start_word":1786,"end_word":1852,"intents":[{"intent":"Submit recommendations","confidence_score":0.0034542668}]},{"text":"On that page, when you take some time to have a read, you'll notice it's got the best interest duty. All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially. Okay? Yep.","start_word":1786,"end_word":1853,"intents":[{"intent":"Understand best interest duty","confidence_score":0.03355134}]},{"text":"The first column, which has your current scenario, shows your current hub twenty four super fund with your current balance there.","start_word":1928,"end_word":1948,"intents":[{"intent":"Assess super fund portfolio","confidence_score":0.0000019473234}]},{"text":"So I was really happy to be able to complete the switch, not have any capital gains consequences, but also reduce the cost of the portfolio, which is good. Yeah.","start_word":2217,"end_word":2246,"intents":[{"intent":"Upgrade portfolio","confidence_score":0.0020242857}]},{"text":"I mean, essentially, we have to look at yeah. past performance to be able to determine what kind of So performance the investment portfolio can obtain in the future because we don't know what's going to happen. that's And right.","start_word":2689,"end_word":2728,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.5489858}]},{"text":"And I'm you know, I'll make sure that we review this portfolio with you every, say, six months to see how things are tracking and performing. And if there is anything flagging that we should maybe move you out of, it gives us an opportunity to update that advice nice and quickly for you as well. Yep.","start_word":2973,"end_word":3029,"intents":[{"intent":"Review portfolio","confidence_score":0.35126296},{"intent":"Update advice","confidence_score":0.84841025}]},{"text":"This is essentially showing you the changes that we wanna make to the portfolio there.","start_word":3089,"end_word":3103,"intents":[{"intent":"Make changes to portfolio","confidence_score":0.023546098}]},{"text":"That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest.","start_word":3217,"end_word":3236,"intents":[{"intent":"Remove ad","confidence_score":0.3698239}]},{"text":"also going to sell off the Vanguard diversified index fund. We still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification.","start_word":3239,"end_word":3287,"intents":[{"intent":"Sell vanguard diversified investment fund","confidence_score":0.00010098256}]},{"text":"With the cybersecurity, we are keeping that in. However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one. Florida.","start_word":3300,"end_word":3334,"intents":[{"intent":"Sell cybersecurity portion","confidence_score":0.47413254}]},{"text":"The battery and lithium tech has been a bit up and down this year. It is still a good investment, but we are selling that off completely. And the same thing with the MorningStar Global tech. So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well. Okay? Mhmm.","start_word":3334,"end_word":3401,"intents":[{"intent":"Hold investment","confidence_score":0.10459896}]},{"text":"We've got the iShares Asia. That one is going completely. Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it. There's low cost but also providing diversification. So we've been able to do that, which means we can sell all of this investment down for you.","start_word":3500,"end_word":3554,"intents":[{"intent":"Hold ishares asia","confidence_score":0.014797852}]},{"text":"The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment. This is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there. But Yep.","start_word":3644,"end_word":3701,"intents":[{"intent":"Hold assets","confidence_score":0.007564417}]},{"text":"On the next page down, you are holding a bit over 5,000 in cash at the moment. So your portfolio does have a higher cash limit than what we'd like. We will just take a bit over 2,000 of that and reinvest it back into the portfolio.","start_word":4180,"end_word":4226,"intents":[{"intent":"Explain portfolio structure","confidence_score":0.0051764785}]},{"text":"And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet. So there are times Yeah. when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your portfolio. Mhmm.","start_word":4389,"end_word":4451,"intents":[{"intent":"Address cash management concerns","confidence_score":0.07054768}]},{"text":"So, essentially, I am making a recommendation that we do replace your current towel, life, and TBD with Zurich. It does mean you'll go through a new application to have this placed in force. We do expect when this comes to force that there will be a mental health exclusion.","start_word":4764,"end_word":4813,"intents":[{"intent":"Promote health insurance","confidence_score":0.00012119158}]},{"text":"do have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something. Life cover, someone's passed away, TBD. You're never able to go back to work again and suffering a disability. So, Yeah.","start_word":5119,"end_word":5178,"intents":[{"intent":"Provide insurance for claim purposes","confidence_score":0.0000012475753}]},{"text":"So this has got your current towel policy noted and how much you technically have paid for that for the year. Yeah.","start_word":5521,"end_word":5542,"intents":[{"intent":"Review policy details","confidence_score":0.008813889}]},{"text":"refund you as pro rata there to make it easier, but it will also happen in after we get that Zurich policy placed in force there for you. Does that make sense?","start_word":5839,"end_word":5870,"intents":[{"intent":"Refund premiums","confidence_score":0.07437819}]},{"text":"Essentially, if they do assess anything as possible with mental health, they tend to request doctor's records just to make sure that there's no and it's essentially bad, but suicide attempts and things like that noted. Yep.","start_word":6250,"end_word":6286,"intents":[{"intent":"Evaluate mental health data","confidence_score":0.00052463857}]},{"text":"It all just comes down to how they assess it, and we try to keep in contact with them very regularly to make sure we what's happening, and you're welcome to let me know if you have questions or concerns.","start_word":6561,"end_word":6600,"intents":[{"intent":"Address insurance concerns","confidence_score":0.007555909}]},{"text":"wanna Yep. make sure we disclose that to you, essentially. Okay? Yep.","start_word":6924,"end_word":6935,"intents":[{"intent":"Information","confidence_score":0.00015525491}]},{"text":"If you do find you have any questions, you're welcome to let me know. And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as well. Yep.","start_word":6987,"end_word":7025,"intents":[{"intent":"Recommendation","confidence_score":0.083095096}]},{"text":"Well, I I will let you go to enjoy your afternoon. And, yeah, I'll talk to you very soon. Okay.","start_word":7058,"end_word":7077,"intents":[{"intent":"Meeting","confidence_score":0.07049718}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Daniel. This is Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1860380619764328},{"text":"Yeah. I'm pretty good. And yourself? Okay. I'm very well. Thank you.","start_word":14,"end_word":25,"sentiment":"positive","sentiment_score":0.5503557324409485},{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah. I'm just gardening. So, yeah, Oh, why not? Why not? sounds good. Daniel, Yeah. I do send a document to you so you can review that with me as we're going through things. Are you able to access your emails there currently? I could. Yeah. Yep. Yeah. That's Yep. okay. It's just only easier if you're able to see the document as I'm going through it. Otherwise, it can come across like I'm just talking at you, and it can be a lot. So just try to send that through. Alright. I've just sent the email. All good. How's Oh, the yeah? gardening going? Winning slowly. Yeah. Yeah.","start_word":26,"end_word":156,"sentiment":"neutral","sentiment_score":0.11962497979402542},{"text":"That's all good. Beautiful.","start_word":157,"end_word":160,"sentiment":"positive","sentiment_score":0.4849697351455689},{"text":"Now just before I jump into the call and go through the advice with you, we do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Sure.","start_word":161,"end_word":203,"sentiment":"neutral","sentiment_score":0.1200285404920578},{"text":"Fantastic.","start_word":204,"end_word":204,"sentiment":"positive","sentiment_score":0.3939269781112671},{"text":"And just to do security with you, just to confirm your full name, your date of birth, and address I should have on file here. Daniel Davies. Yep. 04/24/1977. And what Beautiful. was the other? Was there something Alright. else? That Address. was it? Yes. Sorry. Nope. That was it. Yep. Sorry. Your address. My apologies, Daniel. Oh, my address. Sorry. 3 Anvil Road, Jinra. Sorry. Lovely. No. No. You're absolutely fine. All good. Now has that email popped through to you there currently at all? Or So on request. yeah. That's the one. If Yep. you just press on that one for me, it'll take you through so you can view the document. I'll never ask you to sign anything you haven't read. It's just so you can see the document and run through it with me there. Okay. Yeah. There's a document. It should say statement of when you press sign request, it should Statement. go. So when you press I believe it says click to sign or sign here. Yeah. And then it should allow you to see the the front of the pay the front heading, a statement of advice. Sign document? Oh, yeah. Yep. Yep. What does the next page look like or say? Alright. So I got the statement of of advice. Yep. Yep.","start_word":205,"end_word":424,"sentiment":"neutral","sentiment_score":0.05007638287815181},{"text":"Perfect.","start_word":425,"end_word":425,"sentiment":"positive","sentiment_score":0.4796755313873291},{"text":"For yourself with the 09/07/2026 on the front there. And on the bottom of that same page, you've got my authorized representative number. So I'm a licensed financial adviser through ASIC, and my registration number is 1304394. Okay? Yep. Broadia.","start_word":426,"end_word":465,"sentiment":"neutral","sentiment_score":0.1202760636806488},{"text":"Beautiful. Yep. Excellent.","start_word":466,"end_word":468,"sentiment":"positive","sentiment_score":0.4607253968715668},{"text":"I'll take you to the pages that we need to sort of touch on to make sure we're hitting everything, but then I'll let you go back so you can have some time to read it through as well prior to taking the advice. Okay? Okay. If I can move you down forward to the next page, you've got the best interest duty. That's just outlining that any advice we do provide is some sort of under the corporations act, and we have a fiduciary duty to make sure that we are working in your best interest, and that any advice that we do provide is to meeting look sorry. Working towards meeting Yep. your goals. Okay? Yep. Excellent. On page number three, we start with the scoping in and out. So these are areas that we are and are not looking at advice with regard to today. So, essentially, we were looking at superannuation, looking at readjusting the portfolio for you to remove any underperforming investments and make sure your super is working as hard as possible for you. One of your goals was that you were looking to retire as early as possible. You had a goal of working towards retirement at the age of 60, which is the earliest possible we can access super currently, and Yep. maintaining the flexibility to continue working or transitioning to part time employment if you wanted to or chose to. Does Yep. that still sound fairly appropriate to you? Is there any changes you would make to that? Yep. Nah.","start_word":469,"end_word":727,"sentiment":"neutral","sentiment_score":0.05512651988092997},{"text":"Pretty good. Yeah. We could go with Fantastic. that for now. Yep. Excellent.","start_word":728,"end_word":740,"sentiment":"positive","sentiment_score":0.4831410050392151},{"text":"We also have the estate planning side of things in here. Now, realistically, when we sort of spoke, your will and power of attorneys are all up to date and reflective of your wishes, and you do also have a nomination on your current life insurance policy and also your superannuation nominating Kylie in the event Yep. of anything happening to you. However, one of the things that we were looking at for you on your behalf was your TBD policy. So as we kinda went through, you do have a a harder definition, the activities of daily living sort of TBD policy. And so you do sort of agree for me to go back and have a look and make a recommendation around attempting to get a better definition of TBD, allowing you if in the event of being disabled or unable to go back to work ever again, making sure you have the best definitions possible to claim on that. So we've gone back and reassessed that for you, and I have been able to come up with an option. So, essentially, we are making a recommendation for life and TBD for you. And so I have scoped in the estate planning for the beneficiary nomination as whenever we recommend new super products or new life insurance products, that we also recommend attaching a beneficiary nominations that in line with your goals. Does that make sense? Do you have any questions so far? Not all good. No? Yes.","start_word":741,"end_word":990,"sentiment":"neutral","sentiment_score":0.10113397240638732},{"text":"Beautiful.","start_word":991,"end_word":991,"sentiment":"positive","sentiment_score":0.34149134159088135},{"text":"And then on the next page, you've got your life and TPD. So your goal there was that you were happy with the life cover level that you had. You were happy to retain the life cover. You were happy to review the t b dev TPD definition to determine whether it could be improved or provide any recommended changes in place to improve your better overall position. So I have gone back and looked at the life and the TPD cover and made a recommendation to make sure that you have the best TPD definitions, but also making a recommendation around life. We're retaining the same level of cover that you have, but just making sure you've got the best definitions as possible.","start_word":992,"end_word":1115,"sentiment":"neutral","sentiment_score":0.16718557789441077},{"text":"And I've also looked at ways to try and save you a bit of money as well on those insurance premiums.","start_word":1116,"end_word":1136,"sentiment":"positive","sentiment_score":0.3455801010131836},{"text":"Okay?","start_word":1137,"end_word":1137,"sentiment":"neutral","sentiment_score":0.1684257984161377},{"text":"Yep. Excellent.","start_word":1138,"end_word":1139,"sentiment":"positive","sentiment_score":0.4468434453010559},{"text":"The next phase outlines anything that we're not providing advice around. So we've essentially scoped out the retirement income side of things. So now you are a lot younger. There's we're not able to, you know, project all the way to retirement at this particular stage. Uh-huh. As you do get closer to retirement, we will look to scoping that and certainly provide more detailed advice in that area. But right now, we're just looking the next five to ten years to sort of look at how far we can put you in front and keep building on those goals for you. Okay? Mhmm. Yep.","start_word":1140,"end_word":1244,"sentiment":"neutral","sentiment_score":0.07614628225564957},{"text":"Excellent.","start_word":1245,"end_word":1245,"sentiment":"positive","sentiment_score":0.5065330266952515},{"text":"And I've also scoped out the wills and the power of attorney and the beneficiary side of things on your a super policy sorry, on your super fund just because they were all in line with your wishes and so reflected correctly as per your Mhmm. Okay. Excellent. Now I'm gonna skip a couple of pages. If I can please ask you to scroll down for me, we're Yep. gonna head down to page number 15, and this is where the start of the recommendations do start. Yeah. Beautiful. You're I'm struggling to see a little bit. Maybe with me always. But right. anyway yeah. Yeah. You're Five on 15. the phone. It might be a bit smaller there for you. Yeah. It is a little bit. Yeah. Yep. Yeah. But that's That's alright. Alright. Yep. One moment. okay. Yep. Beautiful. Like, 15. Excellent. So this one here is the start of the recommendations around your super. So, essentially, I did go back and have a look at your super fund as well as all the others out there to see if you win the best possible product for the time being and what we could do to make sure we're replacing any underperforming investments and making your super work as hard as possible. But, also, you know, looking at ways to minimize the fees where possible and also mindful of the capital gains consequences. Because as we kind of went through before, just like you do a tax return every year, so does your super fund. Your super fund pays income tax and capital gains tax. So whenever we do make changes to your super fund, it is preferable to be mindful of that scenario and making sure that we're not, you know, eating away your super with capital gains tax and fees and things like that as well. So Yep. I did go back and have a look at everything and look at the research, and I've recommended that you do retain Hub twenty four.","start_word":1246,"end_word":1582,"sentiment":"neutral","sentiment_score":0.07033450849415065},{"text":"The platform is fine. There's actually a very good platform. It's one of the best ones out there, and it does have more than 1,100 different investment options to choose from when we are looking at switching investments.","start_word":1583,"end_word":1620,"sentiment":"positive","sentiment_score":0.5483726859092712},{"text":"So pertaining to Superfund for now is still preferable. Yep. However, we are recommending that we do switch some investment options. I'll take you through those shortly so you can see the difference there. But I reviewed the portfolio you're in. You still wanted to be in a high growth environment, so taking a bit more risk in the market now to get greater potential returns. And given your time horizon, your risk capacity, that high growth portfolio still absolutely fits where you're at currently. But we wanted to make sure that we can look at any investments and update things as we work towards your retirement goals there. So we are recommending an investment switch for you and then just making sure that your employer contributions continue to go into Hub 24 on a regular basis, taking Yep.","start_word":1621,"end_word":1759,"sentiment":"neutral","sentiment_score":0.17563609778881073},{"text":"advantage of the dollar cost averaging and building on the the work that the portfolio can do on its own there as well.","start_word":1760,"end_word":1782,"sentiment":"positive","sentiment_score":0.3583451807498932},{"text":"Okay? Mhmm. Yep. On that page, when you take some time to have a read, you'll notice it's got the best interest duty. All the recommendations do have a best interest duty, and this is essentially outlining my recommendations back to your goals to show you how and why we are making the recommendations and how it meets your goals or how it's in line with your goals, essentially. Okay? Yep. I'm gonna skip a few more pages now. If you can scroll down, tell me the page number 18. The heading on this should be fee comparison, and it's a bit of a table. Hey, Jay. It ain't Yeah. Hang on a sec. Just get myself some glasses. Yep. Yeah. You're I'm fine. struggling struggling to see. Hey, Jane. Yep. Wanna do it. Yep.","start_word":1783,"end_word":1917,"sentiment":"neutral","sentiment_score":0.10315359477643614},{"text":"Beautiful. So this has got quite a lovely table here.","start_word":1918,"end_word":1927,"sentiment":"positive","sentiment_score":0.6622799634933472},{"text":"The first column, which has your current scenario, shows your current hub twenty four super fund with your current balance there. Underneath that, you've got your administration fees, investment fees, our ongoing service fee for us looking after everything, your contributions going in, and then your current insurance premiums noted there as well. Underneath that in the investor profile, the second line from the bottom, it does actually know that you're in that high growth environment. And when we look at your current portfolio and how it has performed over the past five years, it's averaged about 4.28%, which is pretty dismal realistically. You're in a high growth environment. You wanna be getting a lot more out of you so far. Yep. So I've gone back and had a really good look. And with the recommended column there, you'll see there's no difference to the balance. So when I went back and looked at altering the portfolio, I actually noted that there's gonna be no CGT consequences. So as I mentioned, there are tax consequences within super, and your super fund does pay capital gains tax for buying and selling and switching investment options.","start_word":1928,"end_word":2121,"sentiment":"neutral","sentiment_score":0.0780496895313263},{"text":"So I was able to look at switching the investments and helping you to get more out of your super fund without any capital gains consequences, which is a benefit to you.","start_word":2122,"end_word":2153,"sentiment":"positive","sentiment_score":0.34913259744644165},{"text":"Yep.","start_word":2154,"end_word":2154,"sentiment":"neutral","sentiment_score":0.22310440242290497},{"text":"Sounds good.","start_word":2155,"end_word":2156,"sentiment":"positive","sentiment_score":0.4201706349849701},{"text":"There are no changes to the admin fees. That stays the same because it is hub 24, but you'll see the investment fees. So the newer portfolio fees.","start_word":2157,"end_word":2184,"sentiment":"neutral","sentiment_score":0.20908258855342865},{"text":"That's a benefit and advantage to the strategy. It's more money that stays in your portfolio, making it cheaper, and having that money stay in your portfolio compounding towards your goal. So I was really happy to be able to complete the switch, not have any capital gains consequences, but also reduce the cost of the portfolio, which is good. Yeah. Hell, they haven't saved so much money. It's See it's it's just very, very lucky. I was able to put together the portfolio and noted the the, you know, the reduction in fees and how it was only gonna benefit you. So very happy with that outcome thus far.","start_word":2185,"end_word":2294,"sentiment":"positive","sentiment_score":0.613039339130575},{"text":"Yep. Underneath that, the ongoing service fee, which for yourself is 1.65 percent, it does show that, obviously, we've factored in growth into the year, so there is a difference of a $141 there. And then you've got your net contributions going in. So this is your total contributions after fees, after the fifth so after the tax, the 15% tax that's deducted inside Super, and it shows how much you could expect for the year based on your income. Yep. And then your insurance premiums, and I'll take you through this shortly, but you'll notice a difference there. So I've actually made a recommendation which saves you just under $400 for the year in insurance premiums and provides you with a better definition of total permanent disability. Mhmm.","start_word":2295,"end_word":2423,"sentiment":"neutral","sentiment_score":0.18470583856105804},{"text":"Beautiful.","start_word":2424,"end_word":2424,"sentiment":"positive","sentiment_score":0.5230532884597778},{"text":"And then underneath that, again, your investor profile shows that we're still keeping you within a high growth environment, still keeping, you know, your super working harder. However, the newer portfolio has shown a much greater past performance. It's averaged about 11.34% over the past five years.","start_word":2425,"end_word":2471,"sentiment":"neutral","sentiment_score":0.26008591055870056},{"text":"So coupling the past of the greater historical performance plus the saving in investment fees and no capital gains consequences, it just worked out definitely in your best interest to be able to switch these switch these investments and put you into this newer portfolio.","start_word":2472,"end_word":2516,"sentiment":"positive","sentiment_score":0.47612136602401733},{"text":"Okay? Yeah. Yep.","start_word":2517,"end_word":2519,"sentiment":"neutral","sentiment_score":0.15418213605880737},{"text":"Excellent.","start_word":2520,"end_word":2520,"sentiment":"positive","sentiment_score":0.464228868484497},{"text":"Underneath that, I know it is a bit small. I do apologize, but the the projection table below also has over the next five to ten years there. So your current scenario with the, you know, your current portfolio, if it's averaging 4.28% and the current fees, over the next five years, you could see it grow to just over 280,000 or over 308,000 in the next ten years.","start_word":2521,"end_word":2589,"sentiment":"neutral","sentiment_score":0.0949751370842906},{"text":"With this newer portfolio and the fee savings there, if it is to to be able to obtain this kind of growth over the next sort of five to ten years, you could see yourself in a much greater position, which puts you in a much greater position towards your retirement goals as well.","start_word":2590,"end_word":2643,"sentiment":"positive","sentiment_score":0.45589059591293335},{"text":"Yep. Yeah.","start_word":2644,"end_word":2645,"sentiment":"neutral","sentiment_score":0.1552547663450241},{"text":"Beautiful.","start_word":2646,"end_word":2646,"sentiment":"positive","sentiment_score":0.3433681130409241},{"text":"Do you Yeah. have any That's good. questions so far? No. That's all good. That's all hypothetical No? too, I guess. So, you know, you It got it all no problem absolutely happening. But is. That's correct. Yeah. It all absolutely is. I mean, essentially, we have to look at yeah. past performance to be able to determine what kind of So performance the investment portfolio can obtain in the future because we don't know what's going to happen. that's And right. this is all Yep. based on, you know, past data and whatnot. But when we sort of look at, you know, portfolios and investments and how they have performed, we also look at the five year time horizon because we know in the last five years, there has been a lot of ups and downs and market volatility. So if a portfolio can essentially wade through the ups and downs over the past five years and still obtain a good 11% return, But then, theoretically, moving forward over the next sort of five to ten years, should it stay very similar market conditions, then it should be able to hold up and still obtain that kind of market return as well. In Yep.","start_word":2647,"end_word":2851,"sentiment":"neutral","sentiment_score":0.0008001406094990671},{"text":"saying that, we could definitely see a downside.","start_word":2852,"end_word":2859,"sentiment":"negative","sentiment_score":-0.3335059881210327},{"text":"And in that high growth environment, that's why we don't like you to be in this high growth portfolio when you have less than eight years towards accessing CIVID because you are taking more risk to get those greater potential returns. Yeah.","start_word":2860,"end_word":2901,"sentiment":"neutral","sentiment_score":-0.3164568841457367},{"text":"However, in that high growth environment, we expect a negative return to be at least one in one in every five years.","start_word":2902,"end_word":2923,"sentiment":"negative","sentiment_score":-0.38599660992622375},{"text":"So we do know the risk level that you're taking, and we wanna make sure that as you get closer to accessing your super that we, you know, draw that risk level back a little bit. But Yep. for right now, you have that time horizon to do that. And I'm you know, I'll make sure that we review this portfolio with you every, say, six months to see how things are tracking and performing. And if there is anything flagging that we should maybe move you out of, it gives us an opportunity to update that advice nice and quickly for you as well. Yep. Okay? No Does worries. that make sense? Do you have any questions at all? No. No. Not at No? this stage. No. Fantastic. If I can take you down to the next page, the page number 20, that might actually be the page after. My apologies. Page number 20. The heading Yep. is investments in red there. Yep.","start_word":2924,"end_word":3087,"sentiment":"neutral","sentiment_score":0.08075515925884247},{"text":"Beautiful.","start_word":3088,"end_word":3088,"sentiment":"positive","sentiment_score":0.44774967432022095},{"text":"This is essentially showing you the changes that we wanna make to the portfolio there. So you'll see on the the first column has your hub twenty four super fund and all your different investments there. And the buy sell column is the one that we sort of focus on. So it's sort of showing you which investments we're gonna sell and how much we're gonna sell of those investments and then which ones we're gonna purchase into. And the last two columns show you your target weighting and how much you'll have in those individual investments once we complete the switch. So to kinda go through in in a nutshell and give you a bit of a rundown, we are selling all of the Benelon Australian equities. That was the investment that was underperforming heavily within your portfolio, so removing that ad is absolutely in best interest. We're Okay. also going to sell off the Vanguard diversified index fund. We still want to hold defensive assets, and we still wanna hold a diversified range of assets, but we found a much cheaper way to hold them as a whole for the portfolio whilst providing you with greater diversification. So we're gonna sell all the Vanguard diversified index investment down. With the cybersecurity, we are keeping that in. However, you're a little bit overweighted at the moment, so we're just gonna sell a small portion to bring you back to 6% within that one. Florida. The battery and lithium tech has been a bit up and down this year. It is still a good investment, but we are selling that off completely. And the same thing with the MorningStar Global tech. So you will still have access to tech within the portfolio, but we've made a a better way to hold it that is also lower cost for you as well. Okay? Mhmm. Then we've got the iShares Europe. So this is giving you exposure to all 16 European countries, so giving you exposure to all the areas. So we wanna hold 9%, and it's giving you diversification across all of Europe. We also do wanna keep The US exposure to the S and P 500. We wanna hold 35% of the S and P 500. This is giving you exposure to the top 500 companies on The US market. You currently have 31.79%, so we'll buy a little bit more to keep that exposure and reweight it for you. Mhmm. We've got the iShares Asia. That one is going completely. Again, we do wanna hold parts of Asia, but we wanna find a a better way to do it. There's low cost but also providing diversification. So we've been able to do that, which means we can sell all of this investment down for you. And then the VanEck China new economy. Unfortunately, China hasn't really performed the way we had hoped it would over the past couple of years, so we are completely selling that investment down for you. Okay? Alrighty. Yep. With the other buyers to rewrite your portfolio, we'll buy into the iShares Japanese.","start_word":3089,"end_word":3606,"sentiment":"neutral","sentiment_score":0.08126381039619446},{"text":"It's giving you exposure to the Japan market. It's a really great place to be exposed to and has had some great returns over the past.","start_word":3607,"end_word":3632,"sentiment":"positive","sentiment_score":0.5477152466773987},{"text":"So we're gonna hold 5% of the Japanese market then. The other side to giving you and the reason we're getting rid of a lot of those other different investments is we're gonna hold the Vanguard or World ex US investment. This is essentially giving you access and exposure to the entire globe minus The US because we have the S and P 500 above there. But Yep.","start_word":3633,"end_word":3700,"sentiment":"neutral","sentiment_score":0.07752622159964898},{"text":"this is essentially holding exposure to the entire globe, which is fantastic, giving you greater diversification in both already established markets, but also up and coming markets and opportunities as well.","start_word":3701,"end_word":3731,"sentiment":"positive","sentiment_score":0.4195975959300995},{"text":"Okay? We'll hold 8% of the All World x US investment. And then because we have gotten rid of the ban along Australian equities, we still wanna increase our holding into the Australian market. So as I kind of I'm not sure if I spoke to you and explained before, but Banna Long generally is a it's an actively managed fund, and they normally hold about 15 to 25 different investment options within their fund there. We're replacing that with the BetaShares a 200. This is giving you exposure to the top 200 companies on the ASX. We wanna hold 25% of this investment, and it essentially is giving you greater diversification. Because instead of having 15 to 25 different companies on the ASX, you're getting exposure to the top 200. So Yeah. it's Okay.","start_word":3732,"end_word":3866,"sentiment":"neutral","sentiment_score":0.09089376777410509},{"text":"building and growing on diversification, but it's also a low cost investment. It's also a really good dividend paying investment as well. So dividends are some of the highest, and it's those dividends are paid back to your cash account, which can be reinvested for compounding effect for you.","start_word":3867,"end_word":3915,"sentiment":"positive","sentiment_score":0.46336978673934937},{"text":"Okay. Mhmm. Gold. Excellent. Yeah. Gold. Gold. Yeah. You don't currently have any physical gold in your portfolio, so we do wanna hold some. Wanna hold about 7%. It has done really well over the past. Yep. Has been has has its up and down this year as well as everything else, but we do wanna hold some physical gold and keep holding physical gold for you. So 7% will be bought into your portfolio. Okay? And then you've got the iShares Core composite bond. So within the high growth environment, we still wanna hold some low risk defensive investments like bonds.","start_word":3916,"end_word":4017,"sentiment":"neutral","sentiment_score":0.1393885761499405},{"text":"They are good for income producing. They pay income into your cash account that gets redistributed across the compounding effect, but it's also about holding some defensive assets.","start_word":4018,"end_word":4045,"sentiment":"positive","sentiment_score":0.5028811693191528},{"text":"So when, say, equities aren't doing so well, you do have gold, which can be a mitigator and act defensively, but core composite bonds also tend to do well, and defensive investments tend to do well when equity markets aren't performing as well.","start_word":4046,"end_word":4088,"sentiment":"neutral","sentiment_score":0.32798781991004944},{"text":"So we do wanna have a mix of growth plus defensive investments and holding physical goal, which is growth, but also acts defensively can assist you in that as well.","start_word":4089,"end_word":4118,"sentiment":"positive","sentiment_score":0.459170401096344},{"text":"That's essentially a quick breakdown of the investments. Do you have much? Any questions in relation to any of those? Did you want me to delve deeper into anything specific for you? No. Not really, but it's interesting to see it like that. I've never looked at it like that before. So It yeah. definitely isn't it? Yeah. Yeah. All good. On the next page down, you are holding a bit over 5,000 in cash at the moment. So your portfolio does have a higher cash limit than what we'd like. We will just take a bit over 2,000 of that and reinvest it back into the portfolio. Realistically, we don't wanna hold more than 1.25% cash. And when I looked at things, your cash holding was a little bit high. So we'll just reinvest some of that money for you as well. Okay? Yep. So how does how does the the get high? Or is that just because it's or what is that? Yeah. What So, is essentially, that? every month that does go through and do, like, a rebalance of the cash holdings. But sometimes in between that month, you might get more dividends or they may have held a little bit more cash than they needed because they were expecting more in the way of admin fees or something to come out with. So there could Yes. be a few different reasons there, Yes. Yes. but we just wanted to make sure that we reflect that and put that cash back in. It could also be that you've received a few additional contributions over the month. And because they run the cash management generally around about the twentieth of the month, they just hadn't got around to the cash management yet. So there are times Yeah. when it does get a little bit high, but we just wanna make sure we mitigate that as much as possible for you and have as much money invested in your portfolio. Mhmm. Alright. Yeah.","start_word":4119,"end_word":4452,"sentiment":"neutral","sentiment_score":0.03384118373254816},{"text":"Beautiful. Cool. Excellent.","start_word":4453,"end_word":4455,"sentiment":"positive","sentiment_score":0.7023459672927856},{"text":"If I can get you to scroll down for me to page number 23, I'll take you through the insurance recommendations now. Yep.","start_word":4456,"end_word":4478,"sentiment":"neutral","sentiment_score":0.2635665535926819},{"text":"Beautiful.","start_word":4479,"end_word":4479,"sentiment":"positive","sentiment_score":0.4843814969062805},{"text":"Now, essentially, one thing that we talked about was that you do have the current tower policy, which gives you life and TPD. You were happy with the level of life and TPD that you have, but the main thing was that you had an an an ADL definition. So activities of daily living definition of TPD, which if you remember back to our conversation, is much Yep. harder to claim on. You have to make certain certain definitions. They'd be unable to do generally two to three of the five activities of daily living, which makes claiming on TBD very hard. However, holding insurance is expensive, and that money premiums are coming out of your super, which has an effect on your retirement income. So Yeah. we Sure. discussed about going back and looking at TBD and trying to get you a better definition. After going to the pre assessment, my team pre assessed it with the different insurers out there, and Zurich came back to be one of the better costings. And they came back noting that based on what they had, they were willing to offer TBD to you within any occupation definition. This just essentially means that in the event that you're unable to go back to work again, you just need to be unable to ever go back to work in any occupation for which you were educated or trained or have worked. So it is a much easier definition to claim on rather than ADL, albeit it is harder because they look at any occupation. However, Yep. you are more likely to claim on this rather than the ADL definition, if that makes sense. Yes, ma'am. Yeah. So, essentially, I am making a recommendation that we do replace your current towel, life, and TBD with Zurich. It does mean you'll go through a new application to have this placed in force. We do expect when this comes to force that there will be a mental health exclusion. You do have a mental health exclusion on your current policy, which Yep. doesn't really make sense to me how an ADL policy can have a mental health exclusion, but they Yeah. have applied it anyway. So that mental health exclusion based on your pre assessment is expected to be added to the newer policy as well. There was also some blood pressure that was noted. The insurers haven't come back noting that there could be anything, you know, with regard to the blood pressure, but they will assess your health. They may ask for additional tests, and they may request doctor's records as well just Yep. before they put the policy in force to confirm if there are any additional loadings or exclusions or altered terms that they would apply. If there is, they would come back to us first, but we just like to make sure that you're aware of the risks of doing so. But at the Yep.","start_word":4480,"end_word":4973,"sentiment":"neutral","sentiment_score":-0.05068321084897769},{"text":"end of the day, as long as there's nothing that comes out, having this life and TBD, it's actually cheaper than what you're currently paying for, and it provides you with a greater level of cover of t TBD, which allows you to claim in the event of you being not able to go back to work again and meet you at any occupation definition.","start_word":4974,"end_word":5038,"sentiment":"positive","sentiment_score":0.35297536849975586},{"text":"Does that make sense? Do you have any questions? No. It makes sense. And hopefully, Yeah. it never comes with that. Yeah. I absolutely.","start_word":5039,"end_word":5062,"sentiment":"neutral","sentiment_score":-0.1276930570602417},{"text":"I think that's one of the biggest risks we have when it comes to insurances is that we hold the policy, we pay the premiums, and then we never actually claim on it.","start_word":5063,"end_word":5095,"sentiment":"negative","sentiment_score":-0.4972031116485596},{"text":"So we get to Never retirement, hope to use and it. we Yeah. just, yeah, we just cancel Yeah. it. We Yep. do have a lot of clients who we do do claims for every year, and whilst they end up with a nice big payout the end of it, unfortunately, to claim on it, it means that you've lost something. Life cover, someone's passed away, TBD. You're never able to go back to work again and suffering a disability. So, Yeah. Exactly. yeah, Yep. it's one of those, yeah, one of those things. It's got some positives and some negatives to it, unfortunately. Yep. As long as Yeah. my family's covered, if something ever happens to me, that's the main thing. Yeah. Correct? Absolutely. And so with that level of cover, we're keeping it at the 701,984, which is the current level of cover you have. That was the cover we discussed, and you came back and said that you were fairly comfortable with that level of cover. Does that still sound fairly accurate? Yeah. Yeah. That's what I'm Yep. gonna yep. Yep.","start_word":5096,"end_word":5279,"sentiment":"neutral","sentiment_score":-0.05800968104892451},{"text":"Beautiful. Excellent.","start_word":5280,"end_word":5281,"sentiment":"positive","sentiment_score":0.5329465866088867},{"text":"The current level of cover that you are paying for at the moment, I'm just going back up because I have it set. But the new cover, the yearly premium expected to be deducted out of super would be $1,390.59. Yep. You'll see on that page there, it's got $16.35. That's how much the insurer receives to the policy, but you do get a 15% discount when it is deducted out of super. Essentially, Alright. having a look at the cover you have at the moment, So your licensed TPD with TAL, you're currently paying it is $2,105.94. That's how much Yeah. the insurer receives. How much you have paid out of super is about 1,790. So it's a much better definition, but it's also a cheaper policy, which is important. Yep. Yeah. That's the main name Do of you the game, isn't it? A pays yeah. mark? That's that's it. Do you have any questions in relations at at the moment, Daniel? No. No. No? That's okay.","start_word":5282,"end_word":5449,"sentiment":"neutral","sentiment_score":0.05258684605360031},{"text":"Beautiful. Again, I've got the best interest to do there for you.","start_word":5450,"end_word":5461,"sentiment":"positive","sentiment_score":0.505221426486969},{"text":"I have gone through a lot of the advantages, disadvantages, the risks involved, but you're welcome to take some time to read through those as well. Okay?","start_word":5462,"end_word":5488,"sentiment":"neutral","sentiment_score":0.21540291607379913},{"text":"I appreciate that. Thank you.","start_word":5489,"end_word":5493,"sentiment":"positive","sentiment_score":0.6461330652236938},{"text":"That's okay. And then if you scroll down a little bit further for me, we're going down to page number 20 30 now. 30. Oh, dear. Yep. So this has got your current towel policy noted and how much you technically have paid for that for the year. Yeah. Yep. So how this would essentially work is if you decide to take on the recommendations, we'll start by simply doing the investment switch within super. That will all happen nice and easy in the background so we can sell off the old investments and purchase into the new ones for you, replacing any underperforming investments. And then we'll book you in to go through a new application with our admin team. They will go through the application for the Zurich policy. We'll keep the towel policy enforced so that you do have that level of protection whilst the application for Zurich is going through. Once Yep. the new policy is approved and the provider provides the terms, so long as they're acceptable and as per what we've noted here, then we can go forward and and cancel the towel policy. We would Yep. never cancel the towel policy prior to the Zurich policy being placed in force because we have to go through the underwriting. We obviously do the pre assessments with you and blind pre assessments with the insurers to look at the terms that might be offered, but it all does come to down to what the what they assess when it goes to the underwriting process. So we keep this as a backup policy until the new one is enforced, and then we go ahead and cancel this policy. To Yep. give you a little bit of peace of mind, once this policy is canceled, the insurers will go back and look at how much you have paid for the year on the policy, and they'll provide a refund pro rata and that goes back into your super fund.","start_word":5494,"end_word":5825,"sentiment":"neutral","sentiment_score":0.12506601214408877},{"text":"So you're not out of pocket for the year.","start_word":5826,"end_word":5834,"sentiment":"positive","sentiment_score":0.3392457365989685},{"text":"They will Yep. refund you as pro rata there to make it easier, but it will also happen in after we get that Zurich policy placed in force there for you. Does that make sense? Yep. Yep. Yep.","start_word":5835,"end_word":5872,"sentiment":"neutral","sentiment_score":0.06025273401878382},{"text":"Beautiful. Obviously, having a look at the advantage of this one, it does save you about $399, which is great. Any saving that you can keep within your super fund is good.","start_word":5873,"end_word":5904,"sentiment":"positive","sentiment_score":0.5652978420257568},{"text":"However, all insurance policies do get more expensive, so we wanna review these with you each year to make sure the cover remains in line with what you wanted to cover, but that's not eating away your super too much as well because, eventually, they do get very expensive. I have seen some people in their fifties and sixties holding TBD in life, and their their premiums are in within the 20 and $30,000 limit.","start_word":5905,"end_word":5979,"sentiment":"neutral","sentiment_score":-0.09927524626255035},{"text":"So it's pretty horrendous how in expensive Oh, it these can't.","start_word":5980,"end_word":5990,"sentiment":"negative","sentiment_score":-0.3982754349708557},{"text":"can get over time. I know. Yep. So we will just make sure that that these premiums don't eat away all of your super. And the idea is you have a higher level of cover now. You've probably got more debt there, and your super balance is a little bit lower. So as your super balance increases, as our debt level decreases, we should be able to also decrease our insurance cover along with that as well. Okay. Yep. Yep. Yep.","start_word":5991,"end_word":6071,"sentiment":"neutral","sentiment_score":-0.058204542845487595},{"text":"Excellent.","start_word":6072,"end_word":6072,"sentiment":"positive","sentiment_score":0.42512667179107666},{"text":"And then the last recommendation for you is on page 33, and this is just making sure that with that new Zurich life policy, that we do have the binding non lapsing beneficiary nomination in place to make sure that Kylie is nominated that if in the event you were to pass away, along with your super being paid out, she can receive the life benefit paid out nice and easily as well. Okay. Yep.","start_word":6073,"end_word":6147,"sentiment":"neutral","sentiment_score":0.2318376451730728},{"text":"Beautiful. Easy.","start_word":6148,"end_word":6149,"sentiment":"positive","sentiment_score":0.3842964172363281},{"text":"That is essentially majority of the recommendations. But do you have any questions in relation to any of that? Is there any questions, concerns, or anything you wanted me to kinda run through in more detail for you? No. Look look, it's yeah. Look, I know you got me I'm in good hands, I reckon, with you guys.","start_word":6150,"end_word":6207,"sentiment":"neutral","sentiment_score":0.1823069304227829},{"text":"Thank So you. I I Thank think you. that everything should be fine.","start_word":6208,"end_word":6220,"sentiment":"positive","sentiment_score":0.3630563020706177},{"text":"So, yeah, Yeah.","start_word":6221,"end_word":6223,"sentiment":"neutral","sentiment_score":0.11107175797224043},{"text":"it's a matter of, Beautiful.","start_word":6224,"end_word":6228,"sentiment":"positive","sentiment_score":0.3709124624729157},{"text":"yeah, so the change over with Zurich, so I've gotta do Mhmm. another medical or something. It'll be an insurance application. Essentially, if they do assess anything as possible with mental health, they tend to request doctor's records just to make sure that there's no and it's essentially bad, but suicide attempts and things like that noted. Yep. Those sorts of things do have a very big impact on the insurance Yep. application. So I bet they do. we'll start yeah. Yeah. So we'll just start by going through the application with you with our team member. If the insurance application then gets submitted to Zurich, and then Zurich will they will request medical. So they get you to sign an authority, and they request the medical records from the doctors if they require any additional tests. So sometimes with things like high blood pressure or depending on what it is, they sometimes get a nurse to come and see you and take blood and or urine samples just so they can kind of get the test done if they need to have them updated. We don't really know what they're gonna expect out of that or whether any of that's gonna be required until we go through the application. But just based on my knowledge and understanding, once we go through the application, based on the mental health exclusion expected, they will request some doctor's reports just to have a look at your mental health records and see, Yep. you know, if an exclusion is suitable, if they find that, you know, they're sometimes they come back and go, hey. We're not gonna add the exclusion to standard base, but sometimes there is. So I just like to give you my, you know, worst case scenario. This is what I've assessed Oh, absolutely. as based Yeah. on everything, Yep. and then we'll go from there for you. But they don't always need, you know, extra tests and things like that. It all just comes down to how they assess it, and we try to keep in contact with them very regularly to make sure we what's happening, and you're welcome to let me know if you have questions or concerns. And then when they provide the offer of cover, it comes to us. If there's some terms that we're not comfortable with, I'll go back and ask and fight and see what I can do to assess that So Yep. long as everything comes back as per what we know here, there shouldn't be any problems, and we'll just place that in force there for you. Okay? Yeah. No worries. Yeah. I don't Excellent. know. Things are health wise are pretty good anyway. So Yeah. yeah.","start_word":6229,"end_word":6685,"sentiment":"neutral","sentiment_score":-0.014482164050348478},{"text":"Beautiful.","start_word":6686,"end_word":6686,"sentiment":"positive","sentiment_score":0.4829779863357544},{"text":"Like, you know so oh, I I I think I am anyway. So Yeah. yeah. That's Yeah.","start_word":6687,"end_word":6703,"sentiment":"neutral","sentiment_score":0.19280806183815},{"text":"good. That's excellent.","start_word":6704,"end_word":6706,"sentiment":"positive","sentiment_score":0.500139057636261},{"text":"So yeah. No.","start_word":6707,"end_word":6709,"sentiment":"neutral","sentiment_score":0.24712491035461423},{"text":"That's all good. Easy. Beautiful. The excellent.","start_word":6710,"end_word":6716,"sentiment":"positive","sentiment_score":0.46929287910461426},{"text":"The last thing I just wanted to show you just because I like to be full with my disclosure. On page number 37, we do outline the remuneration side of things. So it is really important that we open and let you know that we do receive remuneration from the insurer for writing insurance products. This has no reflection on why I've made the recommendation. I've made the recommendation because it's in your best interest and because it gives you a better level of TBD. However, we will receive 66% of the first year's premium from the insurer, not from you, and 22%, they're ongoing as well. Just we just disclosed that so you're fully aware. Okay? Yep. Yep. Well, you gotta make money from me. I don't know if this. Yeah. Well, it's only a very small amount based on the premiums because I wanted to reduce the premiums and make it as cheap as possible for you. But, essentially, it's about a thousand dollars upfront, a thousand and 80 for the first year, and then about $360 ongoing based on the the projected ongoing premium there. So not a huge amount, but it's, you know, it's standard across the board there. So we just Something. wanna Yep. make sure we disclose that to you, essentially. Okay? Yep. No worries. Yep.","start_word":6717,"end_word":6938,"sentiment":"neutral","sentiment_score":0.0953989490061193},{"text":"Excellent. Beautiful.","start_word":6939,"end_word":6940,"sentiment":"positive","sentiment_score":0.7807316780090332},{"text":"Do you have any questions or anything you wanted me to kinda go through in more detail for you? No. I think I'm pretty right, No? Sunil. Yeah.","start_word":6941,"end_word":6968,"sentiment":"neutral","sentiment_score":0.140018492937088},{"text":"Beautiful. Yep. Lovely. Well, you're welcome to take it back and have a read through the document there.","start_word":6969,"end_word":6986,"sentiment":"positive","sentiment_score":0.3854505121707916},{"text":"If you do find you have any questions, you're welcome to let me know. And once you are happy to take on the recommendations, we'll just get you to sign and return that back for us as well. Yep. Okay? Yeah. Cool. Yep. No worries.","start_word":6987,"end_word":7031,"sentiment":"neutral","sentiment_score":0.243343323469162},{"text":"Beautiful. Alright. Thank you so much for your time this afternoon, Daniel. I really appreciate it. Thank you. Yeah. All good. All good.","start_word":7032,"end_word":7054,"sentiment":"positive","sentiment_score":0.707638144493103},{"text":"No No. worries.","start_word":7055,"end_word":7057,"sentiment":"neutral","sentiment_score":0.10174985975027084},{"text":"Well, I I will let you go to enjoy your afternoon.","start_word":7058,"end_word":7068,"sentiment":"positive","sentiment_score":0.47658050060272217},{"text":"And, yeah, I'll talk to you very soon. Okay.","start_word":7069,"end_word":7077,"sentiment":"neutral","sentiment_score":0.28323328495025635},{"text":"Good on you. Thanks again once Thanks, Daniel. My pleasure. See you later. again, cheap. Okay. Have a good evening. See you.","start_word":7078,"end_word":7099,"sentiment":"positive","sentiment_score":0.5887538194656372},{"text":"Bye. Bye.","start_word":7100,"end_word":7101,"sentiment":"neutral","sentiment_score":0.17697402834892273}],"average":{"sentiment":"neutral","sentiment_score":0.10780529949768557}}}}