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Is now still a good time there for you? Yeah. Yeah. That's absolutely fine. Not a problem at all. That's okay. You're absolutely fine. It's not a problem at all. Is now still okay to run through the updated device? Yeah. Yeah. All good. And before we jump into the call, I 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 I'll do security there with you as well. We are discussing your personal information. So I just need to confirm your full name, date of birth, and address that you have on file. Yep. Yep. Yep. Perfect. Thank you so much for that. Now it sounds like you're still at work. Are you able to access your emails, or is now good not a good time to look at them? It's okay if you can't? Yeah. That's okay. All good. I'm pressing send on this one now. I'm just gonna send through the advice document through to you. If you can't, it's okay. I can run through the recommendations, and you're welcome to have a read of it later anyway. Just wanted to kinda go through things. We did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances, but we've also noticed this year with the changes in the market conditions that we also wanted to update your portfolio. So I've sort of held back a little bit and wanted to do everything as part of this advice document to show you, you know, what we need to maybe do moving forward to help you meet your goals there. Okay? Excellent. Now just let me know when that email pops through there to you. Hopefully, it doesn't take too long. There's a couple of attachments. Yep. K. That's the one. Yeah. Perfect. You do yeah. So don't put your signature in there. If you press the sign button, it allows you to go through so you can review the document. It allows you to go up and down. I don't ever want you to sign anything you haven't read, so just kinda go back through with that. Just let me know make sure it works okay for you. No. So if you're just looking at at the the attachments there, one of them should say statement of advice. Yep. That's the one. Perfect. So that's the document that we're looking at here. All the other things are the attachments there. The quote is the increased quote that you for your income protection side of things, but it's all inside this document as well. We just attached the financial services guide, the appendix, the quotes, and all the PDF documents for you just to show you kind of all the research that we go through and to provide all the information around how and why we have made these recommendations there. Not everyone wants to read all of those. That's why they're all set there as attachments. I know not everyone's as crazy as me as read PDF documents, but all the information is outlined here in the advice document, which you also get to go back and review later as well. Okay? On the front of the advice document, it has prepared for yourself as of the 03/30/2026. I'm prepared by myself, Sandra Taylor. I'm an authorized representative under Oakview Financial, and I'm a registered financial adviser, and my license number is 1304394. As you scroll through the first couple of pages there, it does note that the advice is provided under the best interest duty. This is all legislated under the corporation's act to making sure that we understand enough about you, your personal and financial circumstances, and what your goals are, and that any advice that we do do provide is there to be in your best interest in working towards your goals. As a financial adviser, we do have a fiduciary duty. So if any of your interest clash with that of my employer, I work for you. So I make sure that I abide by and work in your best interest. Okay? Beautiful. I will let you go back and have a really good rate of all the document later. So I'm kinda gonna skip through a few pages now. But just to kind of sort of outline for you, we are stopping in areas of superannuation here. You were hoping to be able to access super around '60 or '65. Essentially, you got a long time ago. You're still very young. So we are working towards those goals there. We had noted some of the investments in recent months have been underperforming, so we wanted to out update the portfolio to make sure that it's working in your best interest, that you're in the best investors possible, working harder for you, but also where we can save you some fees as well. Okay? And when we spoke last time, did your annual review, your income had increased to about 80,000 there. So your income was a bit your income protection policy did mean that you're a little bit underinsured there. So we were working on increasing that up to 70% to make sure you had the maximum benefit in the event that something was to happen. Since we did last catch up, has your income increased over and above that at all? Is that still fairly accurate? Yes. Yeah. You're fine. Yep. That's okay. No problem at all. That's fantastic. Just wanna make sure I update all of your circumstances while we are going because things can definitely change from month to month. So if that ever does increase any further or if you find that you need to maybe look at increasing this a bit further, just let me know. We can always come back and reupdate these for you. Okay? Excellent. Now we have scoped our areas of trauma, so you don't have any trauma cover at the moment. We sort of went through how that's an out of pocket cost. You didn't wanna look at any insurances out of pocket at the moment. But if you decide down the track, you are welcome to let me know, and we can definitely assist you and have a further conversation around that. When we do get any reviews every year, we'll keep touching base, and I'll keep asking you about those extra insurances to sort of see what your thoughts are. And if at any point outside of those times that you wanna discuss them, let me know. I'll make some time to touch base, and we can talk a bit more in-depth about them. Okay? Excellent. We are also scoping out for the areas around cash flow and budgeting. You did mention you're looking to buy a new car. Was this a thought at the time? So sometimes on the track, when you're ready, we obviously can't do the loan for you. We're not a credit providers. However, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through to. Those sorts of brokers don't get paid by the lenders that they do the loan for, so they don't cost you a cent. And if you wanted to speak to one of them for a personal loan, we can absolutely put you forward with that. In areas of cash flow and budgeting as an adviser, I can do cash flow and budgeting advice, whereas maybe putting some money away to save up for a certain goal or investing for long term wealth outside of super as well. So there's other areas that we can look at down the track if you would like additional advice in those areas. Okay? Perfect. Page number seven is the information about you based on our last conversation. Has there been any changes? Would you like any of that to be kind of updated? Yep. That's okay. Not a problem at all. Perfect. Well, congratulations. That sounds fantastic. I will I'll update that in the back end for you. So the good news is it doesn't have any effect on the advice I'm providing, but I'll make sure my records in the back end are correct. And congratulations on your promotion. That sounds fantastic. The next page is the assets and liabilities there. Just noting what we had on you. You've got some savings, your bills account, credit card, and your vehicle there. You've also got your credit card. I know some of those may have changed a little bit since we last spoke. These don't have any effect on the advice that we are providing, but is there any update to these that you would like me to make in the back end for you? Yep. Yep. Perfect. Lovely. Thank you so much for that. I'll make sure I update that at the back end for you for our records as well. I appreciate you updating that information for me. Excellent. I'll kinda just skip through a couple of pages at the moment. But to make it a bit easier, if you can scroll down for me just to page number 15, I'll start by going through around the superannuation. So I did go back and have a really good look at your superannuation as well as all the others out there just to kind of make sure that we understood where things were at. And we haven't kind of mentioned. We wanted to make some changes to your portfolio there as well. So we had had a bit of a look back and had noted that you originally had some Benelon Australian equities in there, and it had been underperforming quite significantly with what's been happening globally as well as within Benelon as a whole. So we wanted to make sure that we update your portfolio. We don't ever want you to be in any underperforming investment set. So we are looking to move all of the Bennelong Australian equities. Now when you had that originally put in portfolio, Benelon's job as a managed fund was to outperform against the market. They haven't been able to do that, and they've had some issues with some of the underlying investments over the past few months there as well. So we're gonna give them a flick out of your portfolio and replace that with the BetaShares a 200. Essentially, with the BetaShares a 200, it's still giving you access to Australian equities, which is the same as what Benelon was giving you access to. The main difference is that the BetaShares a 200 is not an actively managed fund. It's an ETF, and it's more passively managed. So instead of track the top 200 companies, essentially, in order to be one of the top 200 companies, you have to meet a certain criteria. And if you're not in that criteria, you are deducted out, so it does track an indices essentially. If if the top one of the top 200 companies doesn't meet the criteria to be in that industries, they are removed out and something is put in its place. So it is giving you a lot more diversification. Then along Australian equities is also in the investing in around about 20 to 25 to 30 at the best of times. Different Australian equities since it's giving you a lot more diversification in your portfolio as well by having the top 200 companies there. And it's also a bit cheaper, the fact that it's passively managed instead of an actively managed managed fund is actually a little bit cheaper for your portfolio, so it saves you a little money as well, which is really important. Yeah. Other changes that we're looking to make there, we've got some bank hybrids. These are more of your defensive investments. So your weighting's a little bit low on that one at the moment. Defensive investments are there in your portfolio to help with diversification. We always wanna have a a I'm not sure if you remember our conversation, but you always wanna have a mix growth investments, the higher risk investments that are designed to get greater growth and greater potential returns, as well as some lower risk investments like cash bonds and fixed interest. The bank hybrids actually fall in that defensive category. They are sort of traded a bit like shares, but they are more cash producing. It's essentially putting money into debt and then getting a coupon payment or an income payment out on a regular basis, and they tend to pay these in a monthly basis, which is the cool for your portfolio. It helps with compounding. So you're a little bit underweighted there at the moment, so we're gonna buy a little bit more of that and bring your weighting up to 12%. With the agriculture, has been performing really well. Just wanna make a bit of a switch in there for you. So you've got about 2% through at the moment. We're gonna buy some more and bring it up to 7%. Again, that's more of a growth asset, has been performing quite nicely. It has had a little bit of a down point over the past couple of years. It isn't a bad investment to to keep in your portfolio, so we're just gonna kind of bring it back up to waiting for you. Gold, you've currently got 17% in there, and that is really well. Gold has done gangbusters over the last twelve months. We did see a pretty heavy dip this year in February, but it's recovered quite nicely from that one. You're a bit overweighted, and while it's good to have gold in your portfolio, you do risk that when you are overweight in certain asset classes, it does increase your risk levels for your portfolio. So doing a rebalance is really important. So we're just gonna rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you. Okay? Yeah. With the cybersecurity, again, that has taken a little bit of a battering this year with what's been happening globally, but it is still a really good investment to have as everything goes online and with everything that's been happening over the past couple of years with the hacking scandals and whatnot, cybersecurity is still a very large area of issue. And I think with what's happening between The US and and Iran at the moment, cybersecurity is gonna become very much more of a a prevalent area in the future as well. So we're keeping that in there. Your weighted is about 4.62 there at the moment, so we're just gonna increase the weighting there to 7%. Again, this is more of a growth investment. And whilst it's down, and because we're distributing some of the gains and some of the other assets like gold, be able to buy into the current debt that cybersecurity's made. So we're taking advantage of the downtime with that one, which is pretty cool as well. With the S and P 500, you're currently a little bit overweighted there, so we're gonna sell a little bit that off and bring you back to a weighting of 2424%. The same with the BetaShares a 200. The S and P 500 is an index. And, essentially, with the iShares S and P 500, you're tracking the index there. So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria. But the same thing applies with the indices there. If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there. So you always invest in the top 500 companies. I know some people have kind of brought up, you know, is it still good to be invested in The US is what's been happening at the moment, and it absolutely is. Whilst The US is, you know, at the forefront of this war with Iran, there's often conflicts of things that are happening. But over the longer time, investing in The US does provide great greater returns. So it is definitely a place that you wanna be participating in the market with. Okay? With the BetaShares Raffy 200, you still got that. It is still a good investment there. It's giving you access to some of the mid and lower cap companies on the ASX. It's run about 200 companies in that in that criteria there. It's just it's not overweighting you in Aussie equities in any way, shape, or form. It's just giving you exposure to other areas on the ASX, which is cool. You're overweighted a bit with about 19% there, so we're just gonna bring that back to 15% for you. And then I've explained we're getting rid of the ban along for you. No need to have any underperforming investments in your seat for that. And with the ClearBridge infrastructure income fund, so that one, there's more of an alternative. It's looking at infrastructure. It has been a bit up and down over the last few months. It's currently performing quite nicely. We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it. Part of this is defensive as well. So part of this infrastructure fund works defensively, and other parts of it work as alternatives in alternatives because it's, like, property and infrastructure and things like that. So it is a really good investment to have. I'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well. I do kinda go through those fairly basically because not everyone's that interested in these investments. But did you have any questions around the portfolio, the changes, any of those investment options at all? Yeah. Yeah. Oh, fantastic. That's really good to hear. Excellent. Underneath that table, you'll see there is the cash account there as well. So we do have to hold 1.25% cash. It does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you. Just making sure you just hold that 1,192. Just making sure it's limited amount of cash out because the rest of the money should be invested and growing for your future. Okay? Excellent. To make it nice news, if you go down to page number 17 for me, this is a fee comparison table. So one of the things we do look at is obviously the fees and and what it costs you to be invested because buying into investment ETFs and managed funds, you do pay fees for doing so. With your current scenario, there it does show that with the investment fees at the fees at the moment, it's about $483. By taking on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees. So it is a much cheaper portfolio. And on the bottom there, you'll see it actually has performed greater as well. So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%. So while, essentially, past performance is an indicator of what future future performance is, it it gives us an idea of what could what can be expected in good market conditions. So we can kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen. And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years. If the market stayed the same or if they did the same, this is the average of where it should or could expect to get. So it kinda gives us an idea of what we can expect out of certain portfolios, keeping in mind that things like what's happening now, you can never expect is going to happen. So things can always throw spanners in the works, but you're young enough to withstand those market ups and downs. So we just wanna make sure that we're, you know, making changes that we need to with the portfolio, rebalancing when we need to as well to keep your risk level in the right sort of range, but also making sure that you're, you know, not making any, you know, any decisions quickly or any emotional decisions and selling out of your portfolio when you don't need to as well. So it's always a little bit of juggling us, and that's why we make a lot of decisions based on all the information we have and make decisions based on your goals as well for you. Okay? Excellent. I do like to make sure you're aware. So up in the top hand corner of this table, you'll see it's at $22. That's essentially the CGT. So just like you do your tax return every year, your super fund does one as well. And so for making the changes that I went through above, we estimate that your super fund will pay $22 in CGT cost to make those switches for you. So we've essentially been able to utilize essentially any of the losses that have been generated with the fund to try and offset as many of the gains as possible, which has left us with just this $22, which is a pretty good CDT considering the changes that we're making there. Yeah. Yeah. With the insurance premiums there, you'll note that they are going up a little bit. So one of the things that we talked about when we did your annual review was that you wanted to look at increasing your income protection just to sort of see what that cost would be. You're an a little bit under underinsured with that one. So I wanted to sort of make sure you had a a 70% of your income covered in the sense that you were off work due to illness or injury. So if you go down to page number 19 for me, I did have a really good look at all the options for insurances, just making sure that, you know, increasing with the same provider was the best way to go, and it absolutely is. So we're looking to retain your life and TPD at the level that you have. You are happy and comfortable with the level that you have at the moment, and we'll make sure we review that moving forward with you as well. But with your income protection policy, at the moment, you're covered for some insured or a monthly benefit of 3,730 as a gross amount. So we're gonna increase it up to the 70%, which means you're just increasing it to 4,666. We're still keeping the waiting period at thirty days and still keeping the current benefit period of the age 65 benefit period. So no changes to anything else there. And it essentially shows that sorry, that the insurance premium just increases just slightly there. So it goes from 1,077 and 17¢ to about $1,286.08. It's about a $170 difference for the year to increase that benefit for you. Okay? Yeah. I have chosen to increase it with Clearview and not look at another provider for the top up cover because, essentially, your current policy is the is the pro provider you have. It's fantastic. They are a great provider. We are retaining your life in CPD as it is. And just by increasing income protection, you'll still go through an in an increased application form. So new increased policy, but they'll only underwrite the increase. So anything in your current existing policy stays as it is. And if there's any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you. So keeping your current policy and increasing does work out a lot better for you and definitely in your best interest. Okay. All good. When we kinda went through things last time, yeah, there really didn't seem like there was gonna be any changes to it. There was nothing that kind of flagged as being anything different. But if you're happy to go ahead with those recommendations, then when you do go through the application with my admin team, after they go through things, they always flag anything with me so we can always stop and, you know, have a conversation before we happen to send it through to the insurer. But, yeah, I'll always check the application with my admin team once they've gone through that with you to just make sure that it's all okay before we send it off. Okay? All good. I also have just made a recommendation here around your insurance. Sorry. Around your beneficiaries. I do apologize for that. Essentially, I just wanna make sure that your beneficiaries are up to date, making sure they are following your direction, and that if anything was to happen to you, essentially, the aim is that we want you to get to retirement, have a lovely super balance, and then enjoy your life. You know? Spend your money and enjoy it. When we sorta had a bit of a chat, you didn't really have anyone at the time that you wanted to kinda leave it to. So I'm making a recommendation that we make sure your beneficiary nominations are binding non lapsing. So it binds the trust fee to follow the direction, and non lapsing, you only have to fill these out once. Once they're filled out correctly and applied, you never have to fill these nominations out again unless you wanna change them. And we do it to your legal personal representative. That means that if anything happens to you, if you were to pass away prematurely, your super benefit and your life insurance benefit is paid to your estate, and then you just need to make sure a will is completed and set up. That way, it can all be directed out to whoever you choose as per your will the directions inside your will, if that makes sense. Yep. Yep. Beautiful. I've also made a recommendation here that you do establish your will and make sure of how attorney is also set up. They are done by a qualified solicitor. I'm not a solicitor. We can refer you through to one. I'm not sure if we sent the email last year for you. I'm more than happy to do so again. But we can definitely refer you through to a local solicitor here on the Gold Coast. They do things by email, phone as well. We can just send you some information on them and a bit of a cost on how much they charge to set up a will and power of attorney. But doing those sorts of things is really important for protecting all of your assets. You've worked really hard. And, well, sometimes when we're young and don't think we have a lot, realistically, when you look around, what you've been able to accumulate is still really important. And having a super and your life proceeds lumped in with that together does mean that your estate ends up being valued pretty high, essentially. So all of that can be worth quite quite a significant sum down the track. So it's really important they are kind of all looked after and protected for you. Okay. All good. With that one there, I do have to let you know the remuneration side of things. So we do receive remuneration from the insurer for essentially, sorry, the remuneration from the insurer for setting up the insurances for you. We do receive 66% of the first year's premiums and then 22% there ongoing. It is standard across the board, so it doesn't have any effect on my recommendations in any way, shape, or form. However, it's just really important that I make sure I'm being honest and open with you, and we disclose the remuneration on page 31 for you as well. For the advice yeah. For the advice being provided, there's no upfront implementation fees in any way, shape, or form. If you're an ongoing service client, you pay the ongoing service fee of 1.65%. So that means that we're working for you, and we're setting up everything and, you know, making sure that we're updating the advice to work towards your goals and making sure that we're working in your best interest and reviewing everything with you as well on a regular basis. Okay. Yeah. All good. It's fairly easy and fairly straightforward, but do you have any questions for me in relation to any of that? Yep. Yeah. Beautiful. Yeah. Excellent. So I'll let you take some time to go back and have a read through the document if you like. If you do find you have any questions at any point, please do let me know. Once you're happy to take ahead the recommendations, if you wanna take all of them on board, I'll get you to sign and return the document back to me. If you any if there's any part of the recommendations you do not wish to take on board, on the back page, we do have a little text box. You just write what what you're not wanting to take, what part of the recommendations you don't wish to proceed with, and we can always make sure that we follow that direction for you. Okay? Yeah. All good. It's often quite a bit in there. I always outline the advantages, disadvantages, and the risks involved. I tend to go through some of those with regards to going through the document for you, but we outline all of that there. So you're welcome to take some time, go back, and have a bit of a read through any of those. And, look, Andrew, if there's any questions at all, doesn't matter what it is, you let me know. I'm more than happy to answer them for you. Okay? My pleasure. I will let you go. I thank you for your time today. I hope you have a lovely afternoon, and, hopefully, you have a lovely, warm weekend. Oh, me too. That's fantastic. A nice long weekend. Fantastic. Excellent. Excellent. Well, thank you so much for your time. I will let go. If there's anything you need in the meantime, please let me know. Once we get that one back, we'll implement the advice there for you, and I'll make sure we do a review soon to see how things are going and see what else we need to update for you. Okay? My pleasure. Have a great weekend. Thank you for your time. Thanks. See you later. 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Andrew. It's Dana from Okey Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in this afternoon just to go through your updated advice document. Is now still a good time there for you? Yeah. Yeah. That's absolutely fine.\n\nNot a problem at all. That's okay. You're absolutely fine. It's not a problem at all. Is now still okay to run through the updated device?\n\nYeah. Yeah. All good. And before we jump into the call, I 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\nFantastic. And I'll do security there with you as well. We are discussing your personal information. So I just need to confirm your full name, date of birth, and address that you have on file. Yep.\n\nYep. Yep. Perfect. Thank you so much for that. Now it sounds like you're still at work.\n\nAre you able to access your emails, or is now good not a good time to look at them? It's okay if you can't? Yeah. That's okay. All good.\n\nI'm pressing send on this one now. I'm just gonna send through the advice document through to you. If you can't, it's okay. I can run through the recommendations, and you're welcome to have a read of it later anyway. Just wanted to kinda go through things.\n\nWe did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances, but we've also noticed this year with the changes in the market conditions that we also wanted to update your portfolio. So I've sort of held back a little bit and wanted to do everything as part of this advice document to show you, you know, what we need to maybe do moving forward to help you meet your goals there. Okay? Excellent. Now just let me know when that email pops through there to you.\n\nHopefully, it doesn't take too long. There's a couple of attachments. Yep. K. That's the one.\n\nYeah. Perfect. You do yeah. So don't put your signature in there. If you press the sign button, it allows you to go through so you can review the document.\n\nIt allows you to go up and down. I don't ever want you to sign anything you haven't read, so just kinda go back through with that. Just let me know make sure it works okay for you. No. So if you're just looking at at the the attachments there, one of them should say statement of advice.\n\nYep. That's the one. Perfect. So that's the document that we're looking at here. All the other things are the attachments there.\n\nThe quote is the increased quote that you for your income protection side of things, but it's all inside this document as well. We just attached the financial services guide, the appendix, the quotes, and all the PDF documents for you just to show you kind of all the research that we go through and to provide all the information around how and why we have made these recommendations there. Not everyone wants to read all of those. That's why they're all set there as attachments. I know not everyone's as crazy as me as read PDF documents, but all the information is outlined here in the advice document, which you also get to go back and review later as well.\n\nOkay? On the front of the advice document, it has prepared for yourself as of the 03/30/2026. I'm prepared by myself, Sandra Taylor. I'm an authorized representative under Oakview Financial, and I'm a registered financial adviser, and my license number is 1304394. As you scroll through the first couple of pages there, it does note that the advice is provided under the best interest duty.\n\nThis is all legislated under the corporation's act to making sure that we understand enough about you, your personal and financial circumstances, and what your goals are, and that any advice that we do do provide is there to be in your best interest in working towards your goals. As a financial adviser, we do have a fiduciary duty. So if any of your interest clash with that of my employer, I work for you. So I make sure that I abide by and work in your best interest. Okay?\n\nBeautiful. I will let you go back and have a really good rate of all the document later. So I'm kinda gonna skip through a few pages now. But just to kind of sort of outline for you, we are stopping in areas of superannuation here. You were hoping to be able to access super around '60 or '65.\n\nEssentially, you got a long time ago. You're still very young. So we are working towards those goals there. We had noted some of the investments in recent months have been underperforming, so we wanted to out update the portfolio to make sure that it's working in your best interest, that you're in the best investors possible, working harder for you, but also where we can save you some fees as well. Okay?\n\nAnd when we spoke last time, did your annual review, your income had increased to about 80,000 there. So your income was a bit your income protection policy did mean that you're a little bit underinsured there. So we were working on increasing that up to 70% to make sure you had the maximum benefit in the event that something was to happen. Since we did last catch up, has your income increased over and above that at all? Is that still fairly accurate?\n\nYes. Yeah. You're fine. Yep. That's okay.\n\nNo problem at all. That's fantastic. Just wanna make sure I update all of your circumstances while we are going because things can definitely change from month to month. So if that ever does increase any further or if you find that you need to maybe look at increasing this a bit further, just let me know. We can always come back and reupdate these for you.\n\nOkay? Excellent. Now we have scoped our areas of trauma, so you don't have any trauma cover at the moment. We sort of went through how that's an out of pocket cost. You didn't wanna look at any insurances out of pocket at the moment.\n\nBut if you decide down the track, you are welcome to let me know, and we can definitely assist you and have a further conversation around that. When we do get any reviews every year, we'll keep touching base, and I'll keep asking you about those extra insurances to sort of see what your thoughts are. And if at any point outside of those times that you wanna discuss them, let me know. I'll make some time to touch base, and we can talk a bit more in-depth about them. Okay?\n\nExcellent. We are also scoping out for the areas around cash flow and budgeting. You did mention you're looking to buy a new car. Was this a thought at the time? So sometimes on the track, when you're ready, we obviously can't do the loan for you.\n\nWe're not a credit providers. However, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through to. Those sorts of brokers don't get paid by the lenders that they do the loan for, so they don't cost you a cent. And if you wanted to speak to one of them for a personal loan, we can absolutely put you forward with that. In areas of cash flow and budgeting as an adviser, I can do cash flow and budgeting advice, whereas maybe putting some money away to save up for a certain goal or investing for long term wealth outside of super as well.\n\nSo there's other areas that we can look at down the track if you would like additional advice in those areas. Okay? Perfect. Page number seven is the information about you based on our last conversation. Has there been any changes?\n\nWould you like any of that to be kind of updated? Yep. That's okay. Not a problem at all. Perfect.\n\nWell, congratulations. That sounds fantastic. I will I'll update that in the back end for you. So the good news is it doesn't have any effect on the advice I'm providing, but I'll make sure my records in the back end are correct. And congratulations on your promotion.\n\nThat sounds fantastic. The next page is the assets and liabilities there. Just noting what we had on you. You've got some savings, your bills account, credit card, and your vehicle there. You've also got your credit card.\n\nI know some of those may have changed a little bit since we last spoke. These don't have any effect on the advice that we are providing, but is there any update to these that you would like me to make in the back end for you? Yep. Yep. Perfect.\n\nLovely. Thank you so much for that. I'll make sure I update that at the back end for you for our records as well. I appreciate you updating that information for me. Excellent.\n\nI'll kinda just skip through a couple of pages at the moment. But to make it a bit easier, if you can scroll down for me just to page number 15, I'll start by going through around the superannuation. So I did go back and have a really good look at your superannuation as well as all the others out there just to kind of make sure that we understood where things were at. And we haven't kind of mentioned. We wanted to make some changes to your portfolio there as well.\n\nSo we had had a bit of a look back and had noted that you originally had some Benelon Australian equities in there, and it had been underperforming quite significantly with what's been happening globally as well as within Benelon as a whole. So we wanted to make sure that we update your portfolio. We don't ever want you to be in any underperforming investment set. So we are looking to move all of the Bennelong Australian equities. Now when you had that originally put in portfolio, Benelon's job as a managed fund was to outperform against the market.\n\nThey haven't been able to do that, and they've had some issues with some of the underlying investments over the past few months there as well. So we're gonna give them a flick out of your portfolio and replace that with the BetaShares a 200. Essentially, with the BetaShares a 200, it's still giving you access to Australian equities, which is the same as what Benelon was giving you access to. The main difference is that the BetaShares a 200 is not an actively managed fund. It's an ETF, and it's more passively managed.\n\nSo instead of track the top 200 companies, essentially, in order to be one of the top 200 companies, you have to meet a certain criteria. And if you're not in that criteria, you are deducted out, so it does track an indices essentially. If if the top one of the top 200 companies doesn't meet the criteria to be in that industries, they are removed out and something is put in its place. So it is giving you a lot more diversification. Then along Australian equities is also in the investing in around about 20 to 25 to 30 at the best of times.\n\nDifferent Australian equities since it's giving you a lot more diversification in your portfolio as well by having the top 200 companies there. And it's also a bit cheaper, the fact that it's passively managed instead of an actively managed managed fund is actually a little bit cheaper for your portfolio, so it saves you a little money as well, which is really important. Yeah. Other changes that we're looking to make there, we've got some bank hybrids. These are more of your defensive investments.\n\nSo your weighting's a little bit low on that one at the moment. Defensive investments are there in your portfolio to help with diversification. We always wanna have a a I'm not sure if you remember our conversation, but you always wanna have a mix growth investments, the higher risk investments that are designed to get greater growth and greater potential returns, as well as some lower risk investments like cash bonds and fixed interest. The bank hybrids actually fall in that defensive category. They are sort of traded a bit like shares, but they are more cash producing.\n\nIt's essentially putting money into debt and then getting a coupon payment or an income payment out on a regular basis, and they tend to pay these in a monthly basis, which is the cool for your portfolio. It helps with compounding. So you're a little bit underweighted there at the moment, so we're gonna buy a little bit more of that and bring your weighting up to 12%. With the agriculture, has been performing really well. Just wanna make a bit of a switch in there for you.\n\nSo you've got about 2% through at the moment. We're gonna buy some more and bring it up to 7%. Again, that's more of a growth asset, has been performing quite nicely. It has had a little bit of a down point over the past couple of years. It isn't a bad investment to to keep in your portfolio, so we're just gonna kind of bring it back up to waiting for you.\n\nGold, you've currently got 17% in there, and that is really well. Gold has done gangbusters over the last twelve months. We did see a pretty heavy dip this year in February, but it's recovered quite nicely from that one. You're a bit overweighted, and while it's good to have gold in your portfolio, you do risk that when you are overweight in certain asset classes, it does increase your risk levels for your portfolio. So doing a rebalance is really important.\n\nSo we're just gonna rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you. Okay? Yeah. With the cybersecurity, again, that has taken a little bit of a battering this year with what's been happening globally, but it is still a really good investment to have as everything goes online and with everything that's been happening over the past couple of years with the hacking scandals and whatnot, cybersecurity is still a very large area of issue. And I think with what's happening between The US and and Iran at the moment, cybersecurity is gonna become very much more of a a prevalent area in the future as well.\n\nSo we're keeping that in there. Your weighted is about 4.62 there at the moment, so we're just gonna increase the weighting there to 7%. Again, this is more of a growth investment. And whilst it's down, and because we're distributing some of the gains and some of the other assets like gold, be able to buy into the current debt that cybersecurity's made. So we're taking advantage of the downtime with that one, which is pretty cool as well.\n\nWith the S and P 500, you're currently a little bit overweighted there, so we're gonna sell a little bit that off and bring you back to a weighting of 2424%. The same with the BetaShares a 200. The S and P 500 is an index. And, essentially, with the iShares S and P 500, you're tracking the index there. So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria.\n\nBut the same thing applies with the indices there. If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there. So you always invest in the top 500 companies. I know some people have kind of brought up, you know, is it still good to be invested in The US is what's been happening at the moment, and it absolutely is. Whilst The US is, you know, at the forefront of this war with Iran, there's often conflicts of things that are happening.\n\nBut over the longer time, investing in The US does provide great greater returns. So it is definitely a place that you wanna be participating in the market with. Okay? With the BetaShares Raffy 200, you still got that. It is still a good investment there.\n\nIt's giving you access to some of the mid and lower cap companies on the ASX. It's run about 200 companies in that in that criteria there. It's just it's not overweighting you in Aussie equities in any way, shape, or form. It's just giving you exposure to other areas on the ASX, which is cool. You're overweighted a bit with about 19% there, so we're just gonna bring that back to 15% for you.\n\nAnd then I've explained we're getting rid of the ban along for you. No need to have any underperforming investments in your seat for that. And with the ClearBridge infrastructure income fund, so that one, there's more of an alternative. It's looking at infrastructure. It has been a bit up and down over the last few months.\n\nIt's currently performing quite nicely. We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it. Part of this is defensive as well. So part of this infrastructure fund works defensively, and other parts of it work as alternatives in alternatives because it's, like, property and infrastructure and things like that. So it is a really good investment to have.\n\nI'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well. I do kinda go through those fairly basically because not everyone's that interested in these investments. But did you have any questions around the portfolio, the changes, any of those investment options at all? Yeah. Yeah.\n\nOh, fantastic. That's really good to hear. Excellent. Underneath that table, you'll see there is the cash account there as well. So we do have to hold 1.25% cash.\n\nIt does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you. Just making sure you just hold that 1,192. Just making sure it's limited amount of cash out because the rest of the money should be invested and growing for your future. Okay? Excellent.\n\nTo make it nice news, if you go down to page number 17 for me, this is a fee comparison table. So one of the things we do look at is obviously the fees and and what it costs you to be invested because buying into investment ETFs and managed funds, you do pay fees for doing so. With your current scenario, there it does show that with the investment fees at the fees at the moment, it's about $483. By taking on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees. So it is a much cheaper portfolio.\n\nAnd on the bottom there, you'll see it actually has performed greater as well. So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%. So while, essentially, past performance is an indicator of what future future performance is, it it gives us an idea of what could what can be expected in good market conditions. So we can kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen. And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years.\n\nIf the market stayed the same or if they did the same, this is the average of where it should or could expect to get. So it kinda gives us an idea of what we can expect out of certain portfolios, keeping in mind that things like what's happening now, you can never expect is going to happen. So things can always throw spanners in the works, but you're young enough to withstand those market ups and downs. So we just wanna make sure that we're, you know, making changes that we need to with the portfolio, rebalancing when we need to as well to keep your risk level in the right sort of range, but also making sure that you're, you know, not making any, you know, any decisions quickly or any emotional decisions and selling out of your portfolio when you don't need to as well. So it's always a little bit of juggling us, and that's why we make a lot of decisions based on all the information we have and make decisions based on your goals as well for you.\n\nOkay? Excellent. I do like to make sure you're aware. So up in the top hand corner of this table, you'll see it's at $22. That's essentially the CGT.\n\nSo just like you do your tax return every year, your super fund does one as well. And so for making the changes that I went through above, we estimate that your super fund will pay $22 in CGT cost to make those switches for you. So we've essentially been able to utilize essentially any of the losses that have been generated with the fund to try and offset as many of the gains as possible, which has left us with just this $22, which is a pretty good CDT considering the changes that we're making there. Yeah. Yeah.\n\nWith the insurance premiums there, you'll note that they are going up a little bit. So one of the things that we talked about when we did your annual review was that you wanted to look at increasing your income protection just to sort of see what that cost would be. You're an a little bit under underinsured with that one. So I wanted to sort of make sure you had a a 70% of your income covered in the sense that you were off work due to illness or injury. So if you go down to page number 19 for me, I did have a really good look at all the options for insurances, just making sure that, you know, increasing with the same provider was the best way to go, and it absolutely is.\n\nSo we're looking to retain your life and TPD at the level that you have. You are happy and comfortable with the level that you have at the moment, and we'll make sure we review that moving forward with you as well. But with your income protection policy, at the moment, you're covered for some insured or a monthly benefit of 3,730 as a gross amount. So we're gonna increase it up to the 70%, which means you're just increasing it to 4,666. We're still keeping the waiting period at thirty days and still keeping the current benefit period of the age 65 benefit period.\n\nSo no changes to anything else there. And it essentially shows that sorry, that the insurance premium just increases just slightly there. So it goes from 1,077 and 17¢ to about $1,286.08. It's about a $170 difference for the year to increase that benefit for you. Okay?\n\nYeah. I have chosen to increase it with Clearview and not look at another provider for the top up cover because, essentially, your current policy is the is the pro provider you have. It's fantastic. They are a great provider. We are retaining your life in CPD as it is.\n\nAnd just by increasing income protection, you'll still go through an in an increased application form. So new increased policy, but they'll only underwrite the increase. So anything in your current existing policy stays as it is. And if there's any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you. So keeping your current policy and increasing does work out a lot better for you and definitely in your best interest.\n\nOkay. All good. When we kinda went through things last time, yeah, there really didn't seem like there was gonna be any changes to it. There was nothing that kind of flagged as being anything different. But if you're happy to go ahead with those recommendations, then when you do go through the application with my admin team, after they go through things, they always flag anything with me so we can always stop and, you know, have a conversation before we happen to send it through to the insurer.\n\nBut, yeah, I'll always check the application with my admin team once they've gone through that with you to just make sure that it's all okay before we send it off. Okay? All good. I also have just made a recommendation here around your insurance. Sorry.\n\nAround your beneficiaries. I do apologize for that. Essentially, I just wanna make sure that your beneficiaries are up to date, making sure they are following your direction, and that if anything was to happen to you, essentially, the aim is that we want you to get to retirement, have a lovely super balance, and then enjoy your life. You know? Spend your money and enjoy it.\n\nWhen we sorta had a bit of a chat, you didn't really have anyone at the time that you wanted to kinda leave it to. So I'm making a recommendation that we make sure your beneficiary nominations are binding non lapsing. So it binds the trust fee to follow the direction, and non lapsing, you only have to fill these out once. Once they're filled out correctly and applied, you never have to fill these nominations out again unless you wanna change them. And we do it to your legal personal representative.\n\nThat means that if anything happens to you, if you were to pass away prematurely, your super benefit and your life insurance benefit is paid to your estate, and then you just need to make sure a will is completed and set up. That way, it can all be directed out to whoever you choose as per your will the directions inside your will, if that makes sense. Yep. Yep. Beautiful.\n\nI've also made a recommendation here that you do establish your will and make sure of how attorney is also set up. They are done by a qualified solicitor. I'm not a solicitor. We can refer you through to one. I'm not sure if we sent the email last year for you.\n\nI'm more than happy to do so again. But we can definitely refer you through to a local solicitor here on the Gold Coast. They do things by email, phone as well. We can just send you some information on them and a bit of a cost on how much they charge to set up a will and power of attorney. But doing those sorts of things is really important for protecting all of your assets.\n\nYou've worked really hard. And, well, sometimes when we're young and don't think we have a lot, realistically, when you look around, what you've been able to accumulate is still really important. And having a super and your life proceeds lumped in with that together does mean that your estate ends up being valued pretty high, essentially. So all of that can be worth quite quite a significant sum down the track. So it's really important they are kind of all looked after and protected for you.\n\nOkay. All good. With that one there, I do have to let you know the remuneration side of things. So we do receive remuneration from the insurer for essentially, sorry, the remuneration from the insurer for setting up the insurances for you. We do receive 66% of the first year's premiums and then 22% there ongoing.\n\nIt is standard across the board, so it doesn't have any effect on my recommendations in any way, shape, or form. However, it's just really important that I make sure I'm being honest and open with you, and we disclose the remuneration on page 31 for you as well. For the advice yeah. For the advice being provided, there's no upfront implementation fees in any way, shape, or form. If you're an ongoing service client, you pay the ongoing service fee of 1.65%.\n\nSo that means that we're working for you, and we're setting up everything and, you know, making sure that we're updating the advice to work towards your goals and making sure that we're working in your best interest and reviewing everything with you as well on a regular basis. Okay. Yeah. All good. It's fairly easy and fairly straightforward, but do you have any questions for me in relation to any of that?\n\nYep. Yeah. Beautiful. Yeah. Excellent.\n\nSo I'll let you take some time to go back and have a read through the document if you like. If you do find you have any questions at any point, please do let me know. Once you're happy to take ahead the recommendations, if you wanna take all of them on board, I'll get you to sign and return the document back to me. If you any if there's any part of the recommendations you do not wish to take on board, on the back page, we do have a little text box. You just write what what you're not wanting to take, what part of the recommendations you don't wish to proceed with, and we can always make sure that we follow that direction for you.\n\nOkay? Yeah. All good. It's often quite a bit in there. I always outline the advantages, disadvantages, and the risks involved.\n\nI tend to go through some of those with regards to going through the document for you, but we outline all of that there. So you're welcome to take some time, go back, and have a bit of a read through any of those. And, look, Andrew, if there's any questions at all, doesn't matter what it is, you let me know. I'm more than happy to answer them for you. Okay?\n\nMy pleasure. I will let you go. I thank you for your time today. I hope you have a lovely afternoon, and, hopefully, you have a lovely, warm weekend. Oh, me too.\n\nThat's fantastic. A nice long weekend. Fantastic. Excellent. Excellent.\n\nWell, thank you so much for your time. I will let go. If there's anything you need in the meantime, please let me know. Once we get that one back, we'll implement the advice there for you, and I'll make sure we do a review soon to see how things are going and see what else we need to update for you. Okay?\n\nMy pleasure. Have a great weekend. Thank you for your time. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Andrew.","start":8.16,"end":8.88,"sentiment":"neutral","sentiment_score":0.07733898237347603},{"text":"It's Dana from Okey Financial.","start":8.88,"end":10.42,"sentiment":"neutral","sentiment_score":0.10595848709344864},{"text":"How are you today?","start":10.559999,"end":11.38,"sentiment":"neutral","sentiment_score":0.2104944996535778},{"text":"I'm very well.","start":13.295,"end":14.175,"sentiment":"positive","sentiment_score":0.7031455834706625},{"text":"Thank you.","start":14.175,"end":14.575001,"sentiment":"positive","sentiment_score":0.7600474953651428}],"sentiment":"neutral","sentiment_score":0.3222487587481737,"num_words":16,"start":8.16,"end":14.575001},{"sentences":[{"text":"I had you booked in this afternoon just to go through your updated advice document.","start":14.575001,"end":17.875,"sentiment":"neutral","sentiment_score":0.3084153433640798},{"text":"Is now still a good time there for you?","start":17.935001,"end":19.955,"sentiment":"neutral","sentiment_score":0.23373815582858193},{"text":"Yeah.","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.08785133808851242},{"text":"Yeah.","start":26.67,"end":27.07,"sentiment":"neutral","sentiment_score":0.06026693060994148},{"text":"That's absolutely fine.","start":27.07,"end":28.03,"sentiment":"neutral","sentiment_score":0.2936602334181468}],"sentiment":"neutral","sentiment_score":0.2675507766162527,"num_words":29,"start":14.575001,"end":28.03},{"sentences":[{"text":"Not a problem at all.","start":28.03,"end":29.33,"sentiment":"neutral","sentiment_score":0.20864178240299225},{"text":"That's okay.","start":68.795,"end":69.355,"sentiment":"neutral","sentiment_score":0.3024528920650482},{"text":"You're absolutely fine.","start":69.355,"end":70.395004,"sentiment":"positive","sentiment_score":0.4471001625061035},{"text":"It's not a problem at all.","start":70.395004,"end":71.935,"sentiment":"neutral","sentiment_score":0.3145795365174611},{"text":"Is now still okay to run through the updated device?","start":72.075,"end":74.575,"sentiment":"neutral","sentiment_score":0.12109372764825821}],"sentiment":"neutral","sentiment_score":0.23414729535579681,"num_words":26,"start":28.03,"end":74.575},{"sentences":[{"text":"Yeah.","start":74.91,"end":75.41,"sentiment":"neutral","sentiment_score":0.07762916386127472},{"text":"Yeah.","start":76.83,"end":77.15,"sentiment":"neutral","sentiment_score":0.2823373079299927},{"text":"All good.","start":77.15,"end":77.89001,"sentiment":"positive","sentiment_score":0.4136005938053131},{"text":"And before we jump into the call, I do have to let you know, we do record our calls for quality and training purposes.","start":77.950005,"end":82.850006,"sentiment":"neutral","sentiment_score":0.06175439525395632},{"text":"Are you happy for me to proceed with that?","start":83.47,"end":85.490005,"sentiment":"neutral","sentiment_score":0.16928810129563013}],"sentiment":"neutral","sentiment_score":0.11332070424750045,"num_words":37,"start":74.91,"end":85.490005},{"sentences":[{"text":"Fantastic.","start":87.165,"end":87.645004,"sentiment":"positive","sentiment_score":0.6270265579223633},{"text":"And I'll do security there with you as well.","start":87.645004,"end":89.245,"sentiment":"positive","sentiment_score":0.34408025277985466},{"text":"We are discussing your personal information.","start":89.245,"end":90.925,"sentiment":"neutral","sentiment_score":0.1342632919549942},{"text":"So I just need to confirm your full name, date of birth, and address that you have on file.","start":90.925,"end":94.625,"sentiment":"neutral","sentiment_score":0.06934014041172831},{"text":"Yep.","start":97.565,"end":98.065,"sentiment":"neutral","sentiment_score":0.03136890381574631}],"sentiment":"neutral","sentiment_score":0.1632822265641557,"num_words":36,"start":87.165,"end":98.065},{"sentences":[{"text":"Yep.","start":99.9,"end":100.4,"sentiment":"neutral","sentiment_score":0.024371758103370667},{"text":"Yep.","start":104.3,"end":104.46,"sentiment":"neutral","sentiment_score":0.10895778983831406},{"text":"Perfect.","start":104.46,"end":104.94,"sentiment":"positive","sentiment_score":0.4790855646133423},{"text":"Thank you so much for that.","start":104.94,"end":106.64,"sentiment":"positive","sentiment_score":0.6082560122013092},{"text":"Now it sounds like you're still at work.","start":107.020004,"end":108.96,"sentiment":"neutral","sentiment_score":0.10865232208743691}],"sentiment":"neutral","sentiment_score":0.30183351543896336,"num_words":17,"start":99.9,"end":108.96},{"sentences":[{"text":"Are you able to access your emails, or is now good not a good time to look at them?","start":109.100006,"end":112.78,"sentiment":"neutral","sentiment_score":-0.0255165950052048},{"text":"It's okay if you can't?","start":112.78,"end":114.0,"sentiment":"neutral","sentiment_score":-0.043525104969739915},{"text":"Yeah.","start":119.045,"end":119.285,"sentiment":"neutral","sentiment_score":0.08542165160179138},{"text":"That's okay.","start":119.285,"end":120.025,"sentiment":"neutral","sentiment_score":0.14952793717384338},{"text":"All good.","start":120.405,"end":120.965004,"sentiment":"neutral","sentiment_score":0.27081388235092163}],"sentiment":"neutral","sentiment_score":0.007712567610473469,"num_words":29,"start":109.100006,"end":120.965004},{"sentences":[{"text":"I'm pressing send on this one now.","start":120.965004,"end":122.565,"sentiment":"neutral","sentiment_score":0.10958761721849442},{"text":"I'm just gonna send through the advice document through to you.","start":122.565,"end":125.545,"sentiment":"neutral","sentiment_score":0.1018411937085065},{"text":"If you can't, it's okay.","start":125.765,"end":126.96,"sentiment":"neutral","sentiment_score":0.05700695347040892},{"text":"I can run through the recommendations, and you're welcome to have a read of it later anyway.","start":126.96,"end":130.66,"sentiment":"neutral","sentiment_score":0.29562123382792754},{"text":"Just wanted to kinda go through things.","start":131.84,"end":133.2,"sentiment":"neutral","sentiment_score":0.15579496031360968}],"sentiment":"neutral","sentiment_score":0.17635163650947047,"num_words":47,"start":120.965004,"end":133.2},{"sentences":[{"text":"We did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances, but we've also noticed this year with the changes in the market conditions that we also wanted to update your portfolio.","start":133.2,"end":146.425,"sentiment":"neutral","sentiment_score":0.029685537617367048},{"text":"So I've sort of held back a little bit and wanted to do everything as part of this advice document to show you, you know, what we need to maybe do moving forward to help you meet your goals there.","start":146.72499,"end":157.11,"sentiment":"neutral","sentiment_score":0.0373140599578619},{"text":"Okay?","start":158.29,"end":158.79,"sentiment":"neutral","sentiment_score":0.11986112594604492},{"text":"Excellent.","start":160.37,"end":160.87,"sentiment":"positive","sentiment_score":0.6694862842559814},{"text":"Now just let me know when that email pops through there to you.","start":161.09,"end":164.05,"sentiment":"neutral","sentiment_score":0.30143222785913026}],"sentiment":"neutral","sentiment_score":0.07237548342792788,"num_words":107,"start":133.2,"end":164.05},{"sentences":[{"text":"Hopefully, it doesn't take too long.","start":164.05,"end":165.33,"sentiment":"neutral","sentiment_score":0.14285253485043845},{"text":"There's a couple of attachments.","start":165.33,"end":166.71,"sentiment":"neutral","sentiment_score":-0.0006231135688722133},{"text":"Yep.","start":171.69499,"end":172.19499,"sentiment":"neutral","sentiment_score":0.008921541273593903},{"text":"K.","start":173.455,"end":173.955,"sentiment":"neutral","sentiment_score":0.01114768534898758},{"text":"That's the one.","start":174.015,"end":174.735,"sentiment":"neutral","sentiment_score":0.028463081146279972}],"sentiment":"neutral","sentiment_score":0.059966131957480684,"num_words":16,"start":164.05,"end":174.735},{"sentences":[{"text":"Yeah.","start":174.735,"end":175.135,"sentiment":"neutral","sentiment_score":0.08822597563266754},{"text":"Perfect.","start":175.135,"end":175.635,"sentiment":"neutral","sentiment_score":0.23843000829219815},{"text":"You do yeah.","start":178.33499,"end":180.415,"sentiment":"neutral","sentiment_score":-0.00724169642974933},{"text":"So don't put your signature in there.","start":180.415,"end":182.095,"sentiment":"neutral","sentiment_score":-0.021563221434397355},{"text":"If you press the sign button, it allows you to go through so you can review the document.","start":182.095,"end":185.54,"sentiment":"neutral","sentiment_score":0.07214444565276305}],"sentiment":"neutral","sentiment_score":0.048419612211485705,"num_words":30,"start":174.735,"end":185.54},{"sentences":[{"text":"It allows you to go up and down.","start":185.54,"end":187.31999,"sentiment":"neutral","sentiment_score":0.13425571378320456},{"text":"I don't ever want you to sign anything you haven't read, so just kinda go back through with that.","start":187.45999,"end":191.7,"sentiment":"neutral","sentiment_score":-0.08215343011052985},{"text":"Just let me know make sure it works okay for you.","start":191.7,"end":194.44,"sentiment":"neutral","sentiment_score":0.08188333870335059},{"text":"No.","start":200.455,"end":200.775,"sentiment":"neutral","sentiment_score":-0.0942939519882202},{"text":"So if you're just looking at at the the attachments there, one of them should say statement of advice.","start":200.775,"end":206.715,"sentiment":"neutral","sentiment_score":-0.046740653875627015}],"sentiment":"neutral","sentiment_score":-0.009802053650391513,"num_words":58,"start":185.54,"end":206.715},{"sentences":[{"text":"Yep.","start":210.44,"end":210.76001,"sentiment":"neutral","sentiment_score":0.0518028698861599},{"text":"That's the one.","start":210.76001,"end":211.48001,"sentiment":"neutral","sentiment_score":0.07091834147771199},{"text":"Perfect.","start":211.48001,"end":211.96,"sentiment":"neutral","sentiment_score":0.24443764984607697},{"text":"So that's the document that we're looking at here.","start":211.96,"end":213.88,"sentiment":"neutral","sentiment_score":0.10864288691017362},{"text":"All the other things are the attachments there.","start":213.88,"end":216.3,"sentiment":"neutral","sentiment_score":0.041724718641489744}],"sentiment":"neutral","sentiment_score":0.08275360343131152,"num_words":22,"start":210.44,"end":216.3},{"sentences":[{"text":"The quote is the increased quote that you for your income protection side of things, but it's all inside this document as well.","start":216.6,"end":222.595,"sentiment":"neutral","sentiment_score":0.07398568514896475},{"text":"We just attached the financial services guide, the appendix, the quotes, and all the PDF documents for you just to show you kind of all the research that we go through and to provide all the information around how and why we have made these recommendations there.","start":222.595,"end":235.83,"sentiment":"neutral","sentiment_score":0.08319830858802542},{"text":"Not everyone wants to read all of those.","start":236.07,"end":237.91,"sentiment":"neutral","sentiment_score":-0.1719939112663269},{"text":"That's why they're all set there as attachments.","start":237.91,"end":239.69,"sentiment":"neutral","sentiment_score":-0.08894366631284356},{"text":"I know not everyone's as crazy as me as read PDF documents, but all the information is outlined here in the advice document, which you also get to go back and review later as well.","start":240.15,"end":249.11,"sentiment":"neutral","sentiment_score":0.014507610723376274}],"sentiment":"neutral","sentiment_score":0.033324438154943715,"num_words":121,"start":216.6,"end":249.11},{"sentences":[{"text":"Okay?","start":249.11,"end":249.61,"sentiment":"neutral","sentiment_score":0.03503326326608658},{"text":"On the front of the advice document, it has prepared for yourself as of the 03/30/2026.","start":251.485,"end":256.60498,"sentiment":"neutral","sentiment_score":0.047289251699112356},{"text":"I'm prepared by myself, Sandra Taylor.","start":256.60498,"end":258.365,"sentiment":"neutral","sentiment_score":0.07366384752094746},{"text":"I'm an authorized representative under Oakview Financial, and I'm a registered financial adviser, and my license number is 1304394.","start":258.365,"end":266.54,"sentiment":"neutral","sentiment_score":0.06326176108498323},{"text":"As you scroll through the first couple of pages there, it does note that the advice is provided under the best interest duty.","start":267.63998,"end":273.63998,"sentiment":"neutral","sentiment_score":0.0624440782096075}],"sentiment":"neutral","sentiment_score":0.059566640538664964,"num_words":65,"start":249.11,"end":273.63998},{"sentences":[{"text":"This is all legislated under the corporation's act to making sure that we understand enough about you, your personal and financial circumstances, and what your goals are, and that any advice that we do do provide is there to be in your best interest in working towards your goals.","start":273.63998,"end":287.04498,"sentiment":"neutral","sentiment_score":0.16241714099840243},{"text":"As a financial adviser, we do have a fiduciary duty.","start":287.585,"end":290.38498,"sentiment":"neutral","sentiment_score":0.0725785668939352},{"text":"So if any of your interest clash with that of my employer, I work for you.","start":290.38498,"end":294.71,"sentiment":"neutral","sentiment_score":-0.019283205270767212},{"text":"So I make sure that I abide by and work in your best interest.","start":294.71,"end":298.09,"sentiment":"neutral","sentiment_score":0.07814438747508186},{"text":"Okay?","start":298.15,"end":298.65,"sentiment":"neutral","sentiment_score":0.05147401988506317}],"sentiment":"neutral","sentiment_score":0.10579099708961116,"num_words":90,"start":273.63998,"end":298.65},{"sentences":[{"text":"Beautiful.","start":300.15,"end":300.65,"sentiment":"positive","sentiment_score":0.6781484484672546},{"text":"I will let you go back and have a really good rate of all the document later.","start":301.59,"end":304.55,"sentiment":"positive","sentiment_score":0.5752157060539022},{"text":"So I'm kinda gonna skip through a few pages now.","start":304.55,"end":307.21,"sentiment":"neutral","sentiment_score":0.14074426516890526},{"text":"But just to kind of sort of outline for you, we are stopping in areas of superannuation here.","start":307.29498,"end":312.415,"sentiment":"neutral","sentiment_score":0.03560170603709088},{"text":"You were hoping to be able to access super around '60 or '65.","start":312.415,"end":315.955,"sentiment":"neutral","sentiment_score":0.0768918191584257}],"sentiment":"neutral","sentiment_score":0.22889292306440362,"num_words":59,"start":300.15,"end":315.955},{"sentences":[{"text":"Essentially, you got a long time ago.","start":316.255,"end":317.775,"sentiment":"neutral","sentiment_score":-0.023862328912530626},{"text":"You're still very young.","start":317.775,"end":318.995,"sentiment":"neutral","sentiment_score":-0.08095491118729115},{"text":"So we are working towards those goals there.","start":319.535,"end":321.48,"sentiment":"neutral","sentiment_score":0.14314867835491896},{"text":"We had noted some of the investments in recent months have been underperforming, so we wanted to out update the portfolio to make sure that it's working in your best interest, that you're in the best investors possible, working harder for you, but also where we can save you some fees as well.","start":321.48,"end":335.32,"sentiment":"neutral","sentiment_score":0.1439222811527972},{"text":"Okay?","start":335.32,"end":335.82,"sentiment":"neutral","sentiment_score":0.04553390294313431}],"sentiment":"neutral","sentiment_score":0.11407874361292956,"num_words":73,"start":316.255,"end":335.82},{"sentences":[{"text":"And when we spoke last time, did your annual review, your income had increased to about 80,000 there.","start":337.285,"end":342.165,"sentiment":"neutral","sentiment_score":-0.006107221150563822},{"text":"So your income was a bit your income protection policy did mean that you're a little bit underinsured there.","start":342.165,"end":347.20502,"sentiment":"neutral","sentiment_score":-0.07917050997677602},{"text":"So we were working on increasing that up to 70% to make sure you had the maximum benefit in the event that something was to happen.","start":347.20502,"end":353.5,"sentiment":"neutral","sentiment_score":0.2213114517239424},{"text":"Since we did last catch up, has your income increased over and above that at all?","start":354.04,"end":358.2,"sentiment":"neutral","sentiment_score":-0.023605324095115066},{"text":"Is that still fairly accurate?","start":358.2,"end":359.66,"sentiment":"neutral","sentiment_score":-0.04313877411186695}],"sentiment":"neutral","sentiment_score":0.042220821648481344,"num_words":84,"start":337.285,"end":359.66},{"sentences":[{"text":"Yes.","start":370.695,"end":371.195,"sentiment":"neutral","sentiment_score":-0.0023854561150074005},{"text":"Yeah.","start":386.38998,"end":386.71,"sentiment":"neutral","sentiment_score":0.07371301203966141},{"text":"You're fine.","start":386.71,"end":387.61,"sentiment":"neutral","sentiment_score":0.17692801356315613},{"text":"Yep.","start":427.91,"end":428.22998,"sentiment":"neutral","sentiment_score":0.2059181034564972},{"text":"That's okay.","start":428.22998,"end":428.87,"sentiment":"positive","sentiment_score":0.359849214553833}],"sentiment":"neutral","sentiment_score":0.19297144508787564,"num_words":7,"start":370.695,"end":428.87},{"sentences":[{"text":"No problem at all.","start":428.87,"end":429.91,"sentiment":"positive","sentiment_score":0.45504130423069},{"text":"That's fantastic.","start":429.91,"end":430.65,"sentiment":"positive","sentiment_score":0.8184241056442261},{"text":"Just wanna make sure I update all of your circumstances while we are going because things can definitely change from month to month.","start":430.71,"end":436.31,"sentiment":"neutral","sentiment_score":0.22587806569493335},{"text":"So if that ever does increase any further or if you find that you need to maybe look at increasing this a bit further, just let me know.","start":436.31,"end":442.67502,"sentiment":"neutral","sentiment_score":0.03764720167964697},{"text":"We can always come back and reupdate these for you.","start":442.67502,"end":444.755,"sentiment":"neutral","sentiment_score":0.08202370963990688}],"sentiment":"neutral","sentiment_score":0.15711295048692334,"num_words":67,"start":428.87,"end":444.755},{"sentences":[{"text":"Okay?","start":444.755,"end":445.255,"sentiment":"neutral","sentiment_score":0.1104661077260971},{"text":"Excellent.","start":446.275,"end":446.775,"sentiment":"positive","sentiment_score":0.5354306101799011},{"text":"Now we have scoped our areas of trauma, so you don't have any trauma cover at the moment.","start":447.715,"end":451.875,"sentiment":"neutral","sentiment_score":0.005022978617085351},{"text":"We sort of went through how that's an out of pocket cost.","start":451.875,"end":454.42,"sentiment":"neutral","sentiment_score":-0.08952933053175609},{"text":"You didn't wanna look at any insurances out of pocket at the moment.","start":454.88,"end":457.76,"sentiment":"neutral","sentiment_score":-0.10357917816593097}],"sentiment":"neutral","sentiment_score":-0.037434909989436466,"num_words":45,"start":444.755,"end":457.76},{"sentences":[{"text":"But if you decide down the track, you are welcome to let me know, and we can definitely assist you and have a further conversation around that.","start":457.76,"end":464.02002,"sentiment":"neutral","sentiment_score":0.30100242903939},{"text":"When we do get any reviews every year, we'll keep touching base, and I'll keep asking you about those extra insurances to sort of see what your thoughts are.","start":464.40002,"end":472.055,"sentiment":"neutral","sentiment_score":0.14226732762723132},{"text":"And if at any point outside of those times that you wanna discuss them, let me know.","start":472.055,"end":476.61502,"sentiment":"neutral","sentiment_score":0.08476940082276568},{"text":"I'll make some time to touch base, and we can talk a bit more in-depth about them.","start":476.61502,"end":480.135,"sentiment":"neutral","sentiment_score":0.13068516683929107},{"text":"Okay?","start":480.135,"end":480.635,"sentiment":"neutral","sentiment_score":0.12414667010307312}],"sentiment":"neutral","sentiment_score":0.17626035610561844,"num_words":91,"start":457.76,"end":480.635},{"sentences":[{"text":"Excellent.","start":482.01,"end":482.51,"sentiment":"positive","sentiment_score":0.3853189945220947},{"text":"We are also scoping out for the areas around cash flow and budgeting.","start":483.05,"end":486.35,"sentiment":"neutral","sentiment_score":0.15848819854167792},{"text":"You did mention you're looking to buy a new car.","start":486.65,"end":488.49,"sentiment":"neutral","sentiment_score":0.08944681659340858},{"text":"Was this a thought at the time?","start":488.49,"end":490.01,"sentiment":"neutral","sentiment_score":0.05435199875916753},{"text":"So sometimes on the track, when you're ready, we obviously can't do the loan for you.","start":490.01,"end":494.09,"sentiment":"neutral","sentiment_score":-0.029155221884138882}],"sentiment":"neutral","sentiment_score":0.06923647197161584,"num_words":47,"start":482.01,"end":494.09},{"sentences":[{"text":"We're not a credit providers.","start":494.09,"end":496.455,"sentiment":"neutral","sentiment_score":-0.07447608783841134},{"text":"However, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through to.","start":496.595,"end":502.215,"sentiment":"neutral","sentiment_score":0.17471522384363672},{"text":"Those sorts of brokers don't get paid by the lenders that they do the loan for, so they don't cost you a cent.","start":502.355,"end":508.035,"sentiment":"neutral","sentiment_score":0.11597647645470241},{"text":"And if you wanted to speak to one of them for a personal loan, we can absolutely put you forward with that.","start":508.035,"end":513.1129,"sentiment":"neutral","sentiment_score":0.2538919817994941},{"text":"In areas of cash flow and budgeting as an adviser, I can do cash flow and budgeting advice, whereas maybe putting some money away to save up for a certain goal or investing for long term wealth outside of super as well.","start":513.3592,"end":523.90497,"sentiment":"neutral","sentiment_score":0.12778143726644062}],"sentiment":"neutral","sentiment_score":0.1501388924560793,"num_words":115,"start":494.09,"end":523.90497},{"sentences":[{"text":"So there's other areas that we can look at down the track if you would like additional advice in those areas.","start":523.90497,"end":528.96497,"sentiment":"neutral","sentiment_score":0.09042327123738471},{"text":"Okay?","start":529.105,"end":529.605,"sentiment":"neutral","sentiment_score":0.09109856188297272},{"text":"Perfect.","start":531.02496,"end":531.52496,"sentiment":"neutral","sentiment_score":0.2819324731826782},{"text":"Page number seven is the information about you based on our last conversation.","start":533.105,"end":537.605,"sentiment":"neutral","sentiment_score":0.06415269265954311},{"text":"Has there been any changes?","start":537.82495,"end":539.4,"sentiment":"neutral","sentiment_score":0.015561752021312714}],"sentiment":"neutral","sentiment_score":0.07765154867637448,"num_words":41,"start":523.90497,"end":539.4},{"sentences":[{"text":"Would you like any of that to be kind of updated?","start":539.4,"end":542.14,"sentiment":"neutral","sentiment_score":0.04222488640384241},{"text":"Yep.","start":562.87,"end":563.19,"sentiment":"neutral","sentiment_score":0.05144369602203369},{"text":"That's okay.","start":563.19,"end":563.91,"sentiment":"neutral","sentiment_score":0.11553582549095154},{"text":"Not a problem at all.","start":563.91,"end":565.29,"sentiment":"neutral","sentiment_score":-0.0396733358502388},{"text":"Perfect.","start":568.94995,"end":569.43,"sentiment":"neutral","sentiment_score":0.15209509432315826}],"sentiment":"neutral","sentiment_score":0.035035875625908375,"num_words":20,"start":539.4,"end":569.43},{"sentences":[{"text":"Well, congratulations.","start":569.43,"end":570.17,"sentiment":"positive","sentiment_score":0.4524151086807251},{"text":"That sounds fantastic.","start":570.70996,"end":571.76996,"sentiment":"positive","sentiment_score":0.7182978590329488},{"text":"I will I'll update that in the back end for you.","start":572.70996,"end":575.005,"sentiment":"neutral","sentiment_score":0.2092608172785152},{"text":"So the good news is it doesn't have any effect on the advice I'm providing, but I'll make sure my records in the back end are correct.","start":575.005,"end":580.285,"sentiment":"neutral","sentiment_score":0.22959389261625432},{"text":"And congratulations on your promotion.","start":580.285,"end":582.125,"sentiment":"positive","sentiment_score":0.6588915348052978}],"sentiment":"neutral","sentiment_score":0.3094809491497775,"num_words":48,"start":569.43,"end":582.125},{"sentences":[{"text":"That sounds fantastic.","start":582.125,"end":583.02496,"sentiment":"positive","sentiment_score":0.7536868254343668},{"text":"The next page is the assets and liabilities there.","start":586.685,"end":588.925,"sentiment":"neutral","sentiment_score":0.07917187818222576},{"text":"Just noting what we had on you.","start":588.925,"end":590.125,"sentiment":"neutral","sentiment_score":0.059224672083343775},{"text":"You've got some savings, your bills account, credit card, and your vehicle there.","start":590.125,"end":593.82,"sentiment":"neutral","sentiment_score":0.07354558230592655},{"text":"You've also got your credit 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you?","start":598.68,"end":605.98004,"sentiment":"neutral","sentiment_score":0.032824874884681776},{"text":"Yep.","start":628.7,"end":629.2,"sentiment":"neutral","sentiment_score":0.09276103973388672},{"text":"Yep.","start":630.635,"end":631.135,"sentiment":"neutral","sentiment_score":0.0496290884912014},{"text":"Perfect.","start":635.435,"end":635.935,"sentiment":"neutral","sentiment_score":0.1431676149368286}],"sentiment":"neutral","sentiment_score":0.02548195069655776,"num_words":50,"start":595.32,"end":635.935},{"sentences":[{"text":"Lovely.","start":637.275,"end":637.775,"sentiment":"positive","sentiment_score":0.5079824924468994},{"text":"Thank you so much for that.","start":637.91504,"end":638.955,"sentiment":"positive","sentiment_score":0.6576220691204071},{"text":"I'll make sure I update that at the back end for you for our records as well.","start":638.955,"end":642.075,"sentiment":"positive","sentiment_score":0.48643112357924967},{"text":"I appreciate you updating that information for me.","start":642.075,"end":644.655,"sentiment":"positive","sentiment_score":0.6309027299284935},{"text":"Excellent.","start":646.41,"end":646.91,"sentiment":"positive","sentiment_score":0.4333497881889343}],"sentiment":"positive","sentiment_score":0.5516247162313173,"num_words":33,"start":637.275,"end":646.91},{"sentences":[{"text":"I'll kinda just skip through a couple of pages at the moment.","start":648.01,"end":651.44995,"sentiment":"neutral","sentiment_score":0.10794520812729995},{"text":"But to make it a bit easier, if you can scroll down for me just to page number 15, I'll start by going through around the superannuation.","start":651.44995,"end":659.855,"sentiment":"neutral","sentiment_score":0.1600082097230134},{"text":"So I did go back and have a really good look at your superannuation as well as all the others out there just to kind of make sure that we understood where things were at.","start":660.475,"end":669.855,"sentiment":"positive","sentiment_score":0.5702746229512351},{"text":"And we haven't kind of mentioned.","start":669.995,"end":671.435,"sentiment":"neutral","sentiment_score":0.1380662495891253},{"text":"We wanted to make some changes to your portfolio there as well.","start":671.435,"end":674.46,"sentiment":"neutral","sentiment_score":0.17769664277633032}],"sentiment":"neutral","sentiment_score":0.31017318667600985,"num_words":92,"start":648.01,"end":674.46},{"sentences":[{"text":"So we had had a bit of a look back and had noted that you originally had some Benelon Australian equities in there, and it had been underperforming quite significantly with what's been happening globally as well as within Benelon as a whole.","start":674.68,"end":686.62,"sentiment":"neutral","sentiment_score":-0.13631118660749392},{"text":"So we wanted to make sure that we update your 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well.","start":702.98,"end":709.54,"sentiment":"neutral","sentiment_score":-0.17650924164515275},{"text":"So we're gonna give them a flick out of your portfolio and replace that with the BetaShares a 200.","start":709.54,"end":714.85504,"sentiment":"neutral","sentiment_score":0.04223706788922611},{"text":"Essentially, with the BetaShares a 200, it's still giving you access to Australian equities, which is the same as what Benelon was giving you access to.","start":715.235,"end":723.47504,"sentiment":"neutral","sentiment_score":0.14348951225670484},{"text":"The main difference is that the BetaShares a 200 is not an actively managed fund.","start":723.47504,"end":727.95,"sentiment":"neutral","sentiment_score":0.022214440753062566},{"text":"It's an ETF, and it's more passively 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diversification.","start":752.815,"end":754.83496,"sentiment":"neutral","sentiment_score":0.29525527854760486},{"text":"Then along Australian equities is also in the investing in around about 20 to 25 to 30 at the best of times.","start":755.295,"end":761.13,"sentiment":"neutral","sentiment_score":0.22423003681681372}],"sentiment":"neutral","sentiment_score":0.07809003169337908,"num_words":105,"start":730.99005,"end":761.13},{"sentences":[{"text":"Different Australian equities since it's giving you a lot more diversification in your portfolio as well by having the top 200 companies there.","start":761.67004,"end":768.41003,"sentiment":"positive","sentiment_score":0.4351310548575028},{"text":"And it's also a bit cheaper, the fact that it's passively managed instead of an actively managed managed fund is actually a little bit cheaper for your portfolio, so it saves you a little money as well, which is really important.","start":768.71,"end":778.915,"sentiment":"positive","sentiment_score":0.5386929068623519},{"text":"Yeah.","start":779.055,"end":779.555,"sentiment":"neutral","sentiment_score":0.13897553086280823},{"text":"Other changes that we're looking to make there, we've got some bank hybrids.","start":780.975,"end":784.10004,"sentiment":"neutral","sentiment_score":0.17451542272017553},{"text":"These are more of your defensive investments.","start":784.10004,"end":785.88,"sentiment":"neutral","sentiment_score":0.1794452198914119}],"sentiment":"positive","sentiment_score":0.42068489421816435,"num_words":85,"start":761.67004,"end":785.88},{"sentences":[{"text":"So your weighting's a little bit low on that one at the moment.","start":786.02,"end":788.92004,"sentiment":"neutral","sentiment_score":0.1699935644865036},{"text":"Defensive investments are there in your portfolio to help with diversification.","start":789.22003,"end":792.84,"sentiment":"neutral","sentiment_score":0.2546022575009953},{"text":"We always wanna have a a I'm not sure if you remember our conversation, but you always wanna have a mix growth investments, the higher risk investments that are designed to get greater growth and greater potential returns, as well as some lower risk investments like cash bonds and fixed interest.","start":793.46,"end":807.41504,"sentiment":"neutral","sentiment_score":0.2051359366114233},{"text":"The bank hybrids actually fall in that defensive category.","start":808.115,"end":811.09503,"sentiment":"neutral","sentiment_score":0.08902496099472046},{"text":"They are sort of traded a bit like shares, but they are more cash producing.","start":812.01,"end":816.19,"sentiment":"neutral","sentiment_score":0.10945173551638922}],"sentiment":"neutral","sentiment_score":0.18096439009814552,"num_words":99,"start":786.02,"end":816.19},{"sentences":[{"text":"It's essentially putting money into debt and then getting a coupon payment or an income payment out on a regular basis, and they tend to pay these in a monthly basis, which is the cool for your portfolio.","start":816.49005,"end":826.51,"sentiment":"neutral","sentiment_score":0.24256073389398425},{"text":"It helps with compounding.","start":826.98505,"end":828.28503,"sentiment":"neutral","sentiment_score":0.2793058380484581},{"text":"So you're a little bit underweighted there at the moment, so we're gonna buy a little bit more of that and bring your weighting up to 12%.","start":828.905,"end":834.84503,"sentiment":"neutral","sentiment_score":0.07769256637052253},{"text":"With the agriculture, has been performing really well.","start":835.465,"end":838.10504,"sentiment":"positive","sentiment_score":0.3537394367158413},{"text":"Just wanna make a bit of a switch in there for you.","start":838.10504,"end":840.30005,"sentiment":"neutral","sentiment_score":0.28850874428947765}],"sentiment":"neutral","sentiment_score":0.21038484221763826,"num_words":89,"start":816.49005,"end":840.30005},{"sentences":[{"text":"So you've got about 2% through at the moment.","start":840.30005,"end":842.14,"sentiment":"neutral","sentiment_score":0.19483225875430638},{"text":"We're gonna buy some more and bring it up to 7%.","start":842.14,"end":844.72003,"sentiment":"neutral","sentiment_score":0.16535070132125507},{"text":"Again, that's more of a growth asset, has been performing quite nicely.","start":845.02,"end":848.32,"sentiment":"positive","sentiment_score":0.6072469552357992},{"text":"It has had a little bit of a down point over the past couple of years.","start":848.78,"end":851.58,"sentiment":"neutral","sentiment_score":0.022613913286477327},{"text":"It isn't a bad investment to to keep in your portfolio, so we're just gonna kind of bring it back up to waiting for you.","start":851.58,"end":858.05505,"sentiment":"neutral","sentiment_score":0.33174585193395617}],"sentiment":"neutral","sentiment_score":0.2673257591381465,"num_words":73,"start":840.30005,"end":858.05505},{"sentences":[{"text":"Gold, you've currently got 17% in there, and that is really well.","start":858.91504,"end":862.59503,"sentiment":"positive","sentiment_score":0.40736449758211773},{"text":"Gold has done gangbusters over the last twelve months.","start":862.59503,"end":865.17,"sentiment":"neutral","sentiment_score":0.09096340503957537},{"text":"We did see a pretty heavy dip this year in February, but it's recovered quite nicely from that one.","start":865.41,"end":870.47,"sentiment":"neutral","sentiment_score":0.09583232826308201},{"text":"You're a bit overweighted, and while it's good to have gold in your portfolio, you do risk that when you are overweight in certain asset classes, it does increase your risk levels for your portfolio.","start":870.85,"end":881.955,"sentiment":"neutral","sentiment_score":-0.23517951049974986},{"text":"So doing a rebalance is really important.","start":882.255,"end":884.435,"sentiment":"neutral","sentiment_score":0.08913153835705348}],"sentiment":"neutral","sentiment_score":-0.0009695517762405117,"num_words":82,"start":858.91504,"end":884.435},{"sentences":[{"text":"So we're just gonna rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you.","start":884.495,"end":894.035,"sentiment":"neutral","sentiment_score":0.20942378649488091},{"text":"Okay?","start":894.095,"end":894.595,"sentiment":"neutral","sentiment_score":0.06704513728618622},{"text":"Yeah.","start":896.03,"end":896.53,"sentiment":"neutral","sentiment_score":0.03645903617143631},{"text":"With the cybersecurity, again, that has taken a little bit of a battering this year with what's been happening globally, but it is still a really good investment to have as everything goes online and with everything that's been happening over the past couple of years with the hacking scandals and whatnot, cybersecurity is still a very large area of issue.","start":896.83,"end":912.97504,"sentiment":"neutral","sentiment_score":0.042979503783290504},{"text":"And I think with what's happening between The US and and Iran at the moment, cybersecurity is gonna become very much more of a a prevalent area in the future as well.","start":913.435,"end":922.255,"sentiment":"neutral","sentiment_score":-0.05964719201438129}],"sentiment":"neutral","sentiment_score":0.05919767659538844,"num_words":127,"start":884.495,"end":922.255},{"sentences":[{"text":"So we're keeping that in there.","start":922.26,"end":923.7,"sentiment":"neutral","sentiment_score":0.08215020534892876},{"text":"Your weighted is about 4.62 there at the moment, so we're just gonna increase the weighting there to 7%.","start":923.7,"end":930.28,"sentiment":"neutral","sentiment_score":0.09621836794050116},{"text":"Again, this is more of a growth investment.","start":930.58,"end":932.36,"sentiment":"neutral","sentiment_score":0.0765287927351892},{"text":"And whilst it's down, and because we're distributing some of the gains and some of the other assets like gold, be able to buy into the current debt that cybersecurity's made.","start":932.42,"end":941.755,"sentiment":"neutral","sentiment_score":0.08102882316996975},{"text":"So we're taking advantage of the downtime with that one, which is pretty cool as well.","start":941.755,"end":946.015,"sentiment":"neutral","sentiment_score":0.06504142051562667}],"sentiment":"neutral","sentiment_score":0.08107296014204621,"num_words":80,"start":922.26,"end":946.015},{"sentences":[{"text":"With the S and P 500, you're currently a little bit overweighted there, so we're gonna sell a little bit that off and bring you back to a weighting of 2424%.","start":947.435,"end":955.66003,"sentiment":"neutral","sentiment_score":0.07465957069108563},{"text":"The same with the BetaShares a 200.","start":955.80005,"end":957.80005,"sentiment":"neutral","sentiment_score":0.07962620364768165},{"text":"The S and P 500 is an index.","start":957.80005,"end":959.9,"sentiment":"neutral","sentiment_score":0.07231034524738789},{"text":"And, essentially, with the iShares S and P 500, you're tracking the index there.","start":960.28,"end":964.77496,"sentiment":"neutral","sentiment_score":0.09419755072199873},{"text":"So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria.","start":964.77496,"end":972.15497,"sentiment":"neutral","sentiment_score":0.10730114923073696}],"sentiment":"neutral","sentiment_score":0.08789428452376363,"num_words":86,"start":947.435,"end":972.15497},{"sentences":[{"text":"But the same thing applies with the indices there.","start":972.69495,"end":975.27496,"sentiment":"neutral","sentiment_score":0.030125466485818226},{"text":"If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there.","start":975.57495,"end":981.75,"sentiment":"neutral","sentiment_score":-0.013979282392107922},{"text":"So you always invest in the top 500 companies.","start":981.75,"end":984.57,"sentiment":"neutral","sentiment_score":0.13582839320103327},{"text":"I know some people have kind of brought up, you know, is it still good to be invested in The US is what's been happening at the moment, and it absolutely is.","start":984.95,"end":992.535,"sentiment":"neutral","sentiment_score":0.13864438189193606},{"text":"Whilst The US is, you know, at the forefront of this war with Iran, there's often conflicts of things that are happening.","start":993.175,"end":1000.15497,"sentiment":"neutral","sentiment_score":-0.13814218291504818}],"sentiment":"neutral","sentiment_score":0.02704793093235869,"num_words":95,"start":972.69495,"end":1000.15497},{"sentences":[{"text":"But over the longer time, investing in The US does provide great greater returns.","start":1000.21497,"end":1004.875,"sentiment":"neutral","sentiment_score":0.330923072461571},{"text":"So it is definitely a place that you wanna be participating in the market with.","start":1005.44995,"end":1009.14996,"sentiment":"positive","sentiment_score":0.4807234446207682},{"text":"Okay?","start":1009.20996,"end":1009.70996,"sentiment":"neutral","sentiment_score":0.17961104214191437},{"text":"With the BetaShares Raffy 200, you still got that.","start":1011.76996,"end":1014.88995,"sentiment":"positive","sentiment_score":0.3762279682689243},{"text":"It is still a good investment there.","start":1014.88995,"end":1016.32996,"sentiment":"positive","sentiment_score":0.5999556950160435}],"sentiment":"positive","sentiment_score":0.42628537620539253,"num_words":46,"start":1000.21497,"end":1016.32996},{"sentences":[{"text":"It's giving you access to some of the mid and lower cap companies on the ASX.","start":1016.32996,"end":1020.58997,"sentiment":"positive","sentiment_score":0.46143477223813534},{"text":"It's run about 200 companies in that in that criteria there.","start":1020.755,"end":1024.4551,"sentiment":"neutral","sentiment_score":0.3014934388074008},{"text":"It's just it's not overweighting you in Aussie equities in any way, shape, or form.","start":1024.755,"end":1028.195,"sentiment":"neutral","sentiment_score":0.2385506878296534},{"text":"It's just giving you exposure to other areas on the ASX, which is cool.","start":1028.195,"end":1031.975,"sentiment":"positive","sentiment_score":0.4443183200699942},{"text":"You're overweighted a bit with about 19% there, so we're just gonna bring that back to 15% for you.","start":1032.275,"end":1038.0,"sentiment":"neutral","sentiment_score":0.1514184431810128}],"sentiment":"neutral","sentiment_score":0.31166735202074053,"num_words":75,"start":1016.32996,"end":1038.0},{"sentences":[{"text":"And then I've explained we're getting rid of the ban along for you.","start":1038.62,"end":1041.5,"sentiment":"neutral","sentiment_score":0.11794438642951158},{"text":"No need to have any underperforming investments in your seat for that.","start":1041.5,"end":1044.96,"sentiment":"neutral","sentiment_score":0.018830013150970142},{"text":"And with the ClearBridge infrastructure income fund, so that one, there's more of an alternative.","start":1045.1,"end":1049.68,"sentiment":"neutral","sentiment_score":0.1407834182182948},{"text":"It's looking at infrastructure.","start":1049.74,"end":1050.96,"sentiment":"neutral","sentiment_score":0.09354567714035511},{"text":"It has been a bit up and down over the last few months.","start":1052.1951,"end":1054.915,"sentiment":"neutral","sentiment_score":0.038169604941056326}],"sentiment":"neutral","sentiment_score":0.08318203556955907,"num_words":57,"start":1038.62,"end":1054.915},{"sentences":[{"text":"It's currently performing quite nicely.","start":1054.915,"end":1056.595,"sentiment":"positive","sentiment_score":0.40359368920326233},{"text":"We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it.","start":1056.595,"end":1061.8151,"sentiment":"neutral","sentiment_score":0.19915198428290232},{"text":"Part of this is defensive as well.","start":1062.275,"end":1064.1951,"sentiment":"neutral","sentiment_score":0.16982712064470565},{"text":"So part of this infrastructure fund works defensively, and other parts of it work as alternatives in alternatives because it's, like, property and infrastructure and things like that.","start":1064.1951,"end":1074.05,"sentiment":"neutral","sentiment_score":0.2522107442574842},{"text":"So it is a really good investment to have.","start":1074.05,"end":1076.29,"sentiment":"positive","sentiment_score":0.47435730861292946}],"sentiment":"neutral","sentiment_score":0.26742952253137314,"num_words":70,"start":1054.915,"end":1076.29},{"sentences":[{"text":"I'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well.","start":1076.29,"end":1086.595,"sentiment":"neutral","sentiment_score":0.06624859910119664},{"text":"I do kinda go through those fairly basically because not everyone's that interested in these investments.","start":1086.895,"end":1091.7949,"sentiment":"neutral","sentiment_score":0.010438110097311437},{"text":"But did you have any questions around the portfolio, the changes, any of those investment options at all?","start":1093.03,"end":1098.73,"sentiment":"neutral","sentiment_score":0.00744142846411301},{"text":"Yeah.","start":1107.045,"end":1107.545,"sentiment":"neutral","sentiment_score":-0.02539590373635292},{"text":"Yeah.","start":1110.645,"end":1111.145,"sentiment":"neutral","sentiment_score":0.0018756035715341568}],"sentiment":"neutral","sentiment_score":0.035704912233125906,"num_words":69,"start":1076.29,"end":1111.145},{"sentences":[{"text":"Oh, fantastic.","start":1112.805,"end":1113.785,"sentiment":"positive","sentiment_score":0.6277177631855011},{"text":"That's really good to hear.","start":1113.925,"end":1115.2051,"sentiment":"positive","sentiment_score":0.6965050816535949},{"text":"Excellent.","start":1115.2051,"end":1115.7051,"sentiment":"positive","sentiment_score":0.504638671875},{"text":"Underneath that table, you'll see there is the cash account there as well.","start":1116.7401,"end":1119.9401,"sentiment":"neutral","sentiment_score":0.15781827328296807},{"text":"So we do have to hold 1.25% cash.","start":1119.9401,"end":1122.42,"sentiment":"neutral","sentiment_score":0.08474551420658827}],"sentiment":"neutral","sentiment_score":0.2749034921670782,"num_words":29,"start":1112.805,"end":1122.42},{"sentences":[{"text":"It does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you.","start":1122.42,"end":1127.4601,"sentiment":"neutral","sentiment_score":0.1275103914996852},{"text":"Just making sure you just hold that 1,192.","start":1127.4601,"end":1130.8401,"sentiment":"neutral","sentiment_score":0.12680550571531057},{"text":"Just making sure it's limited amount of cash out because the rest of the money should be invested and growing for your future.","start":1131.105,"end":1136.485,"sentiment":"neutral","sentiment_score":0.22176155124021613},{"text":"Okay?","start":1136.945,"end":1137.445,"sentiment":"neutral","sentiment_score":0.07767623662948608},{"text":"Excellent.","start":1138.385,"end":1138.885,"sentiment":"positive","sentiment_score":0.4507846236228943}],"sentiment":"neutral","sentiment_score":0.17100284980343922,"num_words":56,"start":1122.42,"end":1138.885},{"sentences":[{"text":"To make it nice news, if you go down to page number 17 for me, this is a fee comparison table.","start":1139.985,"end":1146.0399,"sentiment":"neutral","sentiment_score":0.2319580642949967},{"text":"So one of the things we do look at is obviously the fees and and what it costs you to be invested because buying into investment ETFs and managed funds, you do pay fees for doing so.","start":1146.0399,"end":1155.58,"sentiment":"neutral","sentiment_score":0.09665376954787486},{"text":"With your current scenario, there it does show that with the investment fees at the fees at the moment, it's about $483.","start":1156.36,"end":1163.195,"sentiment":"neutral","sentiment_score":0.05739648030562834},{"text":"By taking on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees.","start":1163.735,"end":1171.4149,"sentiment":"neutral","sentiment_score":0.19732236955314875},{"text":"So it is a much cheaper portfolio.","start":1171.4149,"end":1173.0349,"sentiment":"neutral","sentiment_score":0.19997847718851908}],"sentiment":"neutral","sentiment_score":0.14275331170977773,"num_words":111,"start":1139.985,"end":1173.0349},{"sentences":[{"text":"And on the bottom there, you'll see it actually has performed greater as well.","start":1174.4099,"end":1177.61,"sentiment":"neutral","sentiment_score":0.22057485793318068},{"text":"So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%.","start":1177.61,"end":1190.395,"sentiment":"neutral","sentiment_score":0.1158562521591331},{"text":"So while, essentially, past performance is an indicator of what future future performance is, it it gives us an idea of what could what can be expected in good market conditions.","start":1190.775,"end":1200.855,"sentiment":"neutral","sentiment_score":0.13506446322125773},{"text":"So we can kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen.","start":1200.855,"end":1207.9401,"sentiment":"neutral","sentiment_score":0.007509815936478285},{"text":"And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years.","start":1207.9401,"end":1215.135,"sentiment":"neutral","sentiment_score":0.10296474474792679}],"sentiment":"neutral","sentiment_score":0.10753681078494992,"num_words":128,"start":1174.4099,"end":1215.135},{"sentences":[{"text":"If the market stayed the same or if they did the same, this is the average of where it should or could expect to get.","start":1215.135,"end":1221.3151,"sentiment":"neutral","sentiment_score":0.0861581127345562},{"text":"So it kinda gives us an idea of what we can expect out of certain portfolios, keeping in mind that things like what's happening now, you can never expect is going to happen.","start":1221.535,"end":1230.89,"sentiment":"neutral","sentiment_score":0.07036391493271697},{"text":"So things can always throw spanners in the works, but you're young enough to withstand those market ups and downs.","start":1231.1101,"end":1236.5701,"sentiment":"neutral","sentiment_score":-0.086102394759655},{"text":"So we just wanna make sure that we're, you know, making changes that we need to with the portfolio, rebalancing when we need to as well to keep your risk level in the right sort of range, but also making sure that you're, you know, not making any, you know, any decisions quickly or any emotional decisions and selling out of your portfolio when you don't need to as well.","start":1236.7101,"end":1256.0349,"sentiment":"neutral","sentiment_score":0.05561014632029193},{"text":"So it's always a little bit of juggling us, and that's why we make a lot of decisions based on all the information we have and make decisions based on your goals as well for you.","start":1256.0349,"end":1266.05,"sentiment":"neutral","sentiment_score":0.189457796410554}],"sentiment":"neutral","sentiment_score":0.07319078820190676,"num_words":184,"start":1215.135,"end":1266.05},{"sentences":[{"text":"Okay?","start":1266.11,"end":1266.61,"sentiment":"neutral","sentiment_score":0.17204269766807556},{"text":"Excellent.","start":1268.51,"end":1269.01,"sentiment":"positive","sentiment_score":0.5870579481124878},{"text":"I do like to make sure you're aware.","start":1269.47,"end":1271.15,"sentiment":"neutral","sentiment_score":0.24570287764072418},{"text":"So up in the top hand corner of this table, you'll see it's at $22.","start":1271.15,"end":1275.8099,"sentiment":"neutral","sentiment_score":0.10234528928995132},{"text":"That's essentially the CGT.","start":1276.225,"end":1277.605,"sentiment":"neutral","sentiment_score":0.11383654363453388}],"sentiment":"neutral","sentiment_score":0.16259479933771595,"num_words":29,"start":1266.11,"end":1277.605},{"sentences":[{"text":"So just like you do your tax return every year, your super fund does one as well.","start":1277.825,"end":1282.085,"sentiment":"neutral","sentiment_score":0.20072940956143773},{"text":"And so for making the changes that I went through above, we estimate that your super fund will pay $22 in CGT cost to make those switches for you.","start":1282.1449,"end":1292.0801,"sentiment":"neutral","sentiment_score":0.2504896403386675},{"text":"So we've essentially been able to utilize essentially any of the losses that have been generated with the fund to try and offset as many of the gains as possible, which has left us with just this $22, which is a pretty good CDT considering the changes that we're making there.","start":1292.2201,"end":1308.285,"sentiment":"positive","sentiment_score":0.46709683888098774},{"text":"Yeah.","start":1310.505,"end":1311.005,"sentiment":"neutral","sentiment_score":0.15917770564556122},{"text":"Yeah.","start":1311.065,"end":1311.565,"sentiment":"neutral","sentiment_score":0.13114768266677856}],"sentiment":"positive","sentiment_score":0.35140266367281325,"num_words":99,"start":1277.825,"end":1311.565},{"sentences":[{"text":"With the insurance premiums there, you'll note that they are going up a little bit.","start":1312.265,"end":1316.105,"sentiment":"neutral","sentiment_score":0.1141511054088672},{"text":"So one of the things that we talked about when we did your annual review was that you wanted to look at increasing your income protection just to sort of see what that cost would be.","start":1316.105,"end":1323.68,"sentiment":"neutral","sentiment_score":0.01709105617677172},{"text":"You're an a little bit under underinsured with that one.","start":1324.38,"end":1328.14,"sentiment":"neutral","sentiment_score":-0.11661800295114517},{"text":"So I wanted to sort of make sure you had a a 70% of your income covered in the sense that you were off work due to illness or injury.","start":1328.14,"end":1334.755,"sentiment":"neutral","sentiment_score":0.014258066564798355},{"text":"So if you go down to page number 19 for me, I did have a really good look at all the options for insurances, just making sure that, you know, increasing with the same provider was the best way to go, and it absolutely is.","start":1335.4551,"end":1348.45,"sentiment":"neutral","sentiment_score":0.29548263880941605}],"sentiment":"neutral","sentiment_score":0.1094545979217133,"num_words":136,"start":1312.265,"end":1348.45},{"sentences":[{"text":"So we're looking to retain your life and TPD at the level that you have.","start":1348.45,"end":1352.0499,"sentiment":"positive","sentiment_score":0.3669121523698171},{"text":"You are happy and comfortable with the level that you have at the moment, and we'll make sure we review that moving forward with you as well.","start":1352.0499,"end":1358.865,"sentiment":"positive","sentiment_score":0.4229114464035741},{"text":"But with your income protection policy, at the moment, you're covered for some insured or a monthly benefit of 3,730 as a gross amount.","start":1359.425,"end":1367.365,"sentiment":"neutral","sentiment_score":0.044237531100710235},{"text":"So we're gonna increase it up to the 70%, which means you're just increasing it to 4,666.","start":1367.905,"end":1374.84,"sentiment":"neutral","sentiment_score":0.11452562274301753},{"text":"We're still keeping the waiting period at thirty days and still keeping the current benefit period of the age 65 benefit period.","start":1375.0,"end":1381.88,"sentiment":"neutral","sentiment_score":0.11850024725903165}],"sentiment":"neutral","sentiment_score":0.21464698201134091,"num_words":105,"start":1348.45,"end":1381.88},{"sentences":[{"text":"So no changes to anything else there.","start":1381.88,"end":1383.82,"sentiment":"neutral","sentiment_score":0.03421678074768612},{"text":"And it essentially shows that sorry, that the insurance premium just increases just slightly there.","start":1384.12,"end":1390.0599,"sentiment":"neutral","sentiment_score":0.05165720457832019},{"text":"So it goes from 1,077 and 17¢ to about $1,286.08.","start":1390.225,"end":1398.465,"sentiment":"neutral","sentiment_score":0.08437113960584004},{"text":"It's about a $170 difference for the year to increase that benefit for you.","start":1398.465,"end":1403.205,"sentiment":"neutral","sentiment_score":0.09234210928635937},{"text":"Okay?","start":1403.345,"end":1403.845,"sentiment":"neutral","sentiment_score":0.046222470700740814}],"sentiment":"neutral","sentiment_score":0.06766799545806387,"num_words":47,"start":1381.88,"end":1403.845},{"sentences":[{"text":"Yeah.","start":1404.28,"end":1404.78,"sentiment":"neutral","sentiment_score":0.08946020901203156},{"text":"I have chosen to increase it with Clearview and not look at another provider for the top up cover because, essentially, your current policy is the is the pro provider you have.","start":1405.8,"end":1415.88,"sentiment":"neutral","sentiment_score":0.1301649851957336},{"text":"It's fantastic.","start":1415.88,"end":1416.54,"sentiment":"positive","sentiment_score":0.6775543391704559},{"text":"They are a great provider.","start":1417.065,"end":1418.2649,"sentiment":"positive","sentiment_score":0.5859268426895141},{"text":"We are retaining your life in CPD as it is.","start":1418.2649,"end":1420.845,"sentiment":"positive","sentiment_score":0.3664257973432541}],"sentiment":"neutral","sentiment_score":0.24407481200993061,"num_words":50,"start":1404.28,"end":1420.845},{"sentences":[{"text":"And just by increasing income protection, you'll still go through an in an increased application form.","start":1421.1449,"end":1426.445,"sentiment":"neutral","sentiment_score":0.139296090696007},{"text":"So new increased policy, but they'll only underwrite the increase.","start":1426.9049,"end":1430.35,"sentiment":"neutral","sentiment_score":0.05102206133306027},{"text":"So anything in your current existing policy stays as it is.","start":1430.35,"end":1434.13,"sentiment":"neutral","sentiment_score":0.08358516611836174},{"text":"And if there's any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you.","start":1434.19,"end":1440.9099,"sentiment":"neutral","sentiment_score":-0.03505597829266831},{"text":"So keeping your current policy and increasing does work out a lot better for you and definitely in your best interest.","start":1440.9099,"end":1447.705,"sentiment":"positive","sentiment_score":0.5979310966850746}],"sentiment":"neutral","sentiment_score":0.179628664802979,"num_words":85,"start":1421.1449,"end":1447.705},{"sentences":[{"text":"Okay.","start":1448.1649,"end":1448.6649,"sentiment":"positive","sentiment_score":0.4869874119758606},{"text":"All good.","start":1451.125,"end":1451.7849,"sentiment":"positive","sentiment_score":0.7081297039985657},{"text":"When we kinda went through things last time, yeah, there really didn't seem like there was gonna be any changes to it.","start":1452.005,"end":1457.445,"sentiment":"neutral","sentiment_score":0.09430312229828401},{"text":"There was nothing that kind of flagged as being anything different.","start":1457.445,"end":1460.6649,"sentiment":"neutral","sentiment_score":-0.03169882907108827},{"text":"But if you're happy to go ahead with those recommendations, then when you do go through the application with my admin team, after they go through things, they always flag anything with me so we can always stop and, you know, have a conversation before we happen to send it through to the insurer.","start":1461.12,"end":1475.54,"sentiment":"neutral","sentiment_score":0.19814590847602598}],"sentiment":"neutral","sentiment_score":0.15921230498287414,"num_words":90,"start":1448.1649,"end":1475.54},{"sentences":[{"text":"But, yeah, I'll always check the application with my admin team once they've gone through that with you to just make sure that it's all okay before we send it off.","start":1476.255,"end":1483.135,"sentiment":"neutral","sentiment_score":0.21690513746392343},{"text":"Okay?","start":1483.135,"end":1483.635,"sentiment":"neutral","sentiment_score":0.08169427514076233},{"text":"All good.","start":1485.135,"end":1485.875,"sentiment":"positive","sentiment_score":0.3824428617954254},{"text":"I also have just made a recommendation here around your insurance.","start":1486.735,"end":1490.435,"sentiment":"neutral","sentiment_score":0.18193330548026346},{"text":"Sorry.","start":1491.0,"end":1491.3201,"sentiment":"neutral","sentiment_score":-0.013845354318618774}],"sentiment":"neutral","sentiment_score":0.20778391882777214,"num_words":46,"start":1476.255,"end":1491.3201},{"sentences":[{"text":"Around your beneficiaries.","start":1491.3201,"end":1492.28,"sentiment":"neutral","sentiment_score":0.014277603477239609},{"text":"I do apologize for that.","start":1492.28,"end":1493.8201,"sentiment":"neutral","sentiment_score":-0.039445385336875916},{"text":"Essentially, I just wanna make sure that your beneficiaries are up to date, making sure they are following your direction, and that if anything was to happen to you, essentially, the aim is that we want you to get to retirement, have a lovely super balance, and then enjoy your life.","start":1494.52,"end":1508.695,"sentiment":"positive","sentiment_score":0.3397129318293403},{"text":"You know?","start":1509.075,"end":1509.735,"sentiment":"neutral","sentiment_score":0.138973169028759},{"text":"Spend your money and enjoy it.","start":1509.955,"end":1511.6549,"sentiment":"positive","sentiment_score":0.36038805544376373}],"sentiment":"neutral","sentiment_score":0.29270507578751936,"num_words":67,"start":1491.3201,"end":1511.6549},{"sentences":[{"text":"When we sorta had a bit of a chat, you didn't really have anyone at the time that you wanted to kinda leave it to.","start":1511.955,"end":1517.12,"sentiment":"neutral","sentiment_score":0.07361941874027252},{"text":"So I'm making a recommendation that we make sure your beneficiary nominations are binding non lapsing.","start":1517.12,"end":1522.5,"sentiment":"neutral","sentiment_score":0.17127112206071615},{"text":"So it binds the trust fee to follow the direction, and non lapsing, you only have to fill these out once.","start":1522.64,"end":1528.245,"sentiment":"neutral","sentiment_score":0.18025167428311847},{"text":"Once they're filled out correctly and applied, you never have to fill these nominations out again unless you wanna change them.","start":1528.485,"end":1534.345,"sentiment":"neutral","sentiment_score":0.21273277841863178},{"text":"And we do it to your legal personal representative.","start":1535.205,"end":1537.705,"sentiment":"neutral","sentiment_score":0.15676563564274046}],"sentiment":"neutral","sentiment_score":0.15483030053260532,"num_words":92,"start":1511.955,"end":1537.705},{"sentences":[{"text":"That means that if anything happens to you, if you were to pass away prematurely, your super benefit and your life insurance benefit is paid to your estate, and then you just need to make sure a will is completed and set up.","start":1538.085,"end":1550.7301,"sentiment":"neutral","sentiment_score":0.18509408415750014},{"text":"That way, it can all be directed out to whoever you choose as per your will the directions inside your will, if that makes sense.","start":1550.9501,"end":1558.755,"sentiment":"neutral","sentiment_score":0.2663185465335846},{"text":"Yep.","start":1560.255,"end":1560.575,"sentiment":"neutral","sentiment_score":0.10577980428934096},{"text":"Yep.","start":1560.575,"end":1560.815,"sentiment":"positive","sentiment_score":0.4386452436447144},{"text":"Beautiful.","start":1560.815,"end":1561.315,"sentiment":"positive","sentiment_score":0.7824259996414185}],"sentiment":"neutral","sentiment_score":0.22456141309419148,"num_words":71,"start":1538.085,"end":1561.315},{"sentences":[{"text":"I've also made a recommendation here that you do establish your will and make sure of how attorney is also set up.","start":1561.855,"end":1567.44,"sentiment":"positive","sentiment_score":0.3556756187569011},{"text":"They are done by a qualified solicitor.","start":1567.5199,"end":1569.94,"sentiment":"neutral","sentiment_score":0.17795008420944214},{"text":"I'm not a solicitor.","start":1570.24,"end":1571.22,"sentiment":"neutral","sentiment_score":-0.0015359376557171336},{"text":"We can refer you through to one.","start":1572.08,"end":1573.6,"sentiment":"neutral","sentiment_score":0.08851354249886104},{"text":"I'm not sure if we sent the email last year for you.","start":1573.6,"end":1576.0798,"sentiment":"neutral","sentiment_score":0.08247566192100446}],"sentiment":"neutral","sentiment_score":0.20526294600075254,"num_words":52,"start":1561.855,"end":1576.0798},{"sentences":[{"text":"I'm more than happy to do so again.","start":1576.0798,"end":1578.1,"sentiment":"positive","sentiment_score":0.6546433568000793},{"text":"But we can definitely refer you through to a local solicitor here on the Gold Coast.","start":1578.32,"end":1581.875,"sentiment":"positive","sentiment_score":0.36520458199083805},{"text":"They do things by email, phone as well.","start":1582.0349,"end":1584.2949,"sentiment":"neutral","sentiment_score":0.1665477268397808},{"text":"We can just send you some information on them and a bit of a cost on how much they charge to set up a will and power of attorney.","start":1584.595,"end":1590.455,"sentiment":"neutral","sentiment_score":0.139882604623663},{"text":"But doing those sorts of things is really important for protecting all of your assets.","start":1590.595,"end":1594.275,"sentiment":"neutral","sentiment_score":0.3105432063341141}],"sentiment":"neutral","sentiment_score":0.2779940211851346,"num_words":76,"start":1576.0798,"end":1594.275},{"sentences":[{"text":"You've worked really hard.","start":1594.275,"end":1595.395,"sentiment":"neutral","sentiment_score":0.25912604853510857},{"text":"And, well, sometimes when we're young and don't think we have a lot, realistically, when you look around, what you've been able to accumulate is still really important.","start":1595.395,"end":1603.87,"sentiment":"neutral","sentiment_score":0.14676641107403807},{"text":"And having a super and your life proceeds lumped in with that together does mean that your estate ends up being valued pretty high, essentially.","start":1604.41,"end":1613.745,"sentiment":"positive","sentiment_score":0.3387141180038452},{"text":"So all of that can be worth quite quite a significant sum down the track.","start":1614.045,"end":1618.365,"sentiment":"neutral","sentiment_score":0.32737791041533154},{"text":"So it's really important they are kind of all looked after and protected for you.","start":1618.365,"end":1622.225,"sentiment":"positive","sentiment_score":0.3800192674001058}],"sentiment":"neutral","sentiment_score":0.2784456818567953,"num_words":87,"start":1594.275,"end":1622.225},{"sentences":[{"text":"Okay.","start":1622.285,"end":1622.785,"sentiment":"neutral","sentiment_score":0.21318943798542023},{"text":"All good.","start":1625.9401,"end":1626.68,"sentiment":"positive","sentiment_score":0.5250681042671204},{"text":"With that one there, I do have to let you know the remuneration side of things.","start":1627.4601,"end":1631.06,"sentiment":"neutral","sentiment_score":0.19140411913394928},{"text":"So we do receive remuneration from the insurer for essentially, sorry, the remuneration from the insurer for setting up the insurances for you.","start":1631.06,"end":1641.265,"sentiment":"neutral","sentiment_score":0.208991637048514},{"text":"We do receive 66% of the first year's premiums and then 22% there ongoing.","start":1641.265,"end":1645.925,"sentiment":"neutral","sentiment_score":0.22726238731827056}],"sentiment":"neutral","sentiment_score":0.21989772548632963,"num_words":56,"start":1622.285,"end":1645.925},{"sentences":[{"text":"It is standard across the board, so it doesn't have any effect on my recommendations in any way, shape, or form.","start":1646.785,"end":1652.645,"sentiment":"neutral","sentiment_score":0.24726826484714234},{"text":"However, it's just really important that I make sure I'm being honest and open with you, and we disclose the remuneration on page 31 for you as well.","start":1653.08,"end":1661.34,"sentiment":"neutral","sentiment_score":0.2069615333208016},{"text":"For the advice yeah.","start":1661.96,"end":1663.9,"sentiment":"neutral","sentiment_score":0.08382730185985565},{"text":"For the advice being provided, there's no upfront implementation fees in any way, shape, or form.","start":1664.4401,"end":1669.265,"sentiment":"neutral","sentiment_score":0.1037135599181056},{"text":"If you're an ongoing service client, you pay the ongoing service fee of 1.65%.","start":1669.265,"end":1674.165,"sentiment":"neutral","sentiment_score":0.09702076011204294}],"sentiment":"neutral","sentiment_score":0.1727779915960259,"num_words":83,"start":1646.785,"end":1674.165},{"sentences":[{"text":"So that means that we're working for you, and we're setting up everything and, you know, making sure that we're updating the advice to work towards your goals and making sure that we're working in your best interest and reviewing everything with you as well on a regular basis.","start":1674.225,"end":1686.9,"sentiment":"neutral","sentiment_score":0.25524044660281164},{"text":"Okay.","start":1687.4401,"end":1687.9401,"sentiment":"neutral","sentiment_score":0.11781775951385498},{"text":"Yeah.","start":1688.56,"end":1689.06,"sentiment":"neutral","sentiment_score":0.23747888207435608},{"text":"All good.","start":1691.28,"end":1691.84,"sentiment":"positive","sentiment_score":0.5068290829658508},{"text":"It's fairly easy and fairly straightforward, but do you have any questions for me in relation to any of that?","start":1691.84,"end":1697.46,"sentiment":"neutral","sentiment_score":0.30612724348902703}],"sentiment":"neutral","sentiment_score":0.27394906247723594,"num_words":73,"start":1674.225,"end":1697.46},{"sentences":[{"text":"Yep.","start":1700.855,"end":1701.355,"sentiment":"neutral","sentiment_score":0.14550121128559113},{"text":"Yeah.","start":1701.7883,"end":1702.2883,"sentiment":"neutral","sentiment_score":0.09030887484550476},{"text":"Beautiful.","start":1702.7217,"end":1703.2217,"sentiment":"positive","sentiment_score":0.5415022373199463},{"text":"Yeah.","start":1703.655,"end":1704.055,"sentiment":"positive","sentiment_score":0.42833369970321655},{"text":"Excellent.","start":1704.055,"end":1704.555,"sentiment":"positive","sentiment_score":0.5967720746994019}],"sentiment":"positive","sentiment_score":0.3604836195707321,"num_words":5,"start":1700.855,"end":1704.555},{"sentences":[{"text":"So I'll let you take some time to go back and have a read through the document if you like.","start":1705.175,"end":1708.6951,"sentiment":"positive","sentiment_score":0.3389106199145317},{"text":"If you do find you have any questions at any point, please do let me know.","start":1708.6951,"end":1712.31,"sentiment":"neutral","sentiment_score":0.18787944968789816},{"text":"Once you're happy to take ahead the recommendations, if you wanna take all of them on board, I'll get you to sign and return the document back to me.","start":1712.79,"end":1720.0901,"sentiment":"neutral","sentiment_score":0.2226963947559225},{"text":"If you any if there's any part of the recommendations you do not wish to take on board, on the back page, we do have a little text box.","start":1720.31,"end":1727.3251,"sentiment":"neutral","sentiment_score":-0.03721048059905398},{"text":"You just write what what you're not wanting to take, what part of the recommendations you don't wish to proceed with, and we can always make sure that we follow that direction for you.","start":1727.3251,"end":1735.805,"sentiment":"neutral","sentiment_score":-0.024197345489964765}],"sentiment":"neutral","sentiment_score":0.11203644810302649,"num_words":128,"start":1705.175,"end":1735.805},{"sentences":[{"text":"Okay?","start":1735.805,"end":1736.305,"sentiment":"neutral","sentiment_score":0.018273353576660156},{"text":"Yeah.","start":1737.405,"end":1737.905,"sentiment":"neutral","sentiment_score":0.025881309062242508},{"text":"All good.","start":1738.125,"end":1738.865,"sentiment":"neutral","sentiment_score":0.191733255982399},{"text":"It's often quite a bit in there.","start":1740.4451,"end":1742.3301,"sentiment":"neutral","sentiment_score":0.07372893446258136},{"text":"I always outline the advantages, disadvantages, and the risks involved.","start":1742.3301,"end":1745.6901,"sentiment":"neutral","sentiment_score":0.049455185420811176}],"sentiment":"neutral","sentiment_score":0.06848931285951819,"num_words":21,"start":1735.805,"end":1745.6901},{"sentences":[{"text":"I tend to go through some of those with regards to going through the document for you, but we outline all of that there.","start":1745.6901,"end":1751.29,"sentiment":"neutral","sentiment_score":0.08567824742446344},{"text":"So you're welcome to take some time, go back, and have a bit of a read through any of those.","start":1751.29,"end":1754.925,"sentiment":"neutral","sentiment_score":0.22231824770569802},{"text":"And, look, Andrew, if there's any questions at all, doesn't matter what it is, you let me know.","start":1754.925,"end":1758.645,"sentiment":"neutral","sentiment_score":0.17814595624804497},{"text":"I'm more than happy to answer them for you.","start":1758.645,"end":1760.685,"sentiment":"positive","sentiment_score":0.45653045508596635},{"text":"Okay?","start":1760.685,"end":1761.185,"sentiment":"neutral","sentiment_score":0.16167429089546204}],"sentiment":"neutral","sentiment_score":0.1941627568254868,"num_words":72,"start":1745.6901,"end":1761.185},{"sentences":[{"text":"My pleasure.","start":1763.4851,"end":1764.365,"sentiment":"positive","sentiment_score":0.5161402970552444},{"text":"I will let you go.","start":1764.365,"end":1765.245,"sentiment":"positive","sentiment_score":0.44733630418777465},{"text":"I thank you for your time today.","start":1765.245,"end":1766.525,"sentiment":"positive","sentiment_score":0.5872200386864799},{"text":"I hope you have a lovely afternoon, and, hopefully, you have a lovely, warm weekend.","start":1766.525,"end":1770.545,"sentiment":"positive","sentiment_score":0.5733993212381999},{"text":"Oh, me too.","start":1770.9,"end":1775.06,"sentiment":"neutral","sentiment_score":0.22048236429691315}],"sentiment":"positive","sentiment_score":0.5200606030412018,"num_words":32,"start":1763.4851,"end":1775.06},{"sentences":[{"text":"That's fantastic.","start":1775.06,"end":1775.9401,"sentiment":"positive","sentiment_score":0.5359314680099487},{"text":"A nice long weekend.","start":1775.9401,"end":1777.0801,"sentiment":"neutral","sentiment_score":0.3273983635008335},{"text":"Fantastic.","start":1779.9401,"end":1780.4401,"sentiment":"positive","sentiment_score":0.8611181974411011},{"text":"Excellent.","start":1781.62,"end":1782.12,"sentiment":"positive","sentiment_score":0.8640835881233215},{"text":"Excellent.","start":1782.26,"end":1782.74,"sentiment":"positive","sentiment_score":0.8108200430870056}],"sentiment":"positive","sentiment_score":0.5463864687416289,"num_words":9,"start":1775.06,"end":1782.74},{"sentences":[{"text":"Well, thank you so much for your time.","start":1782.74,"end":1784.34,"sentiment":"positive","sentiment_score":0.7765153497457504},{"text":"I will let go.","start":1784.34,"end":1785.105,"sentiment":"neutral","sentiment_score":0.3323081284761429},{"text":"If there's anything you need in the meantime, please let me know.","start":1785.105,"end":1787.765,"sentiment":"neutral","sentiment_score":0.15953704714775085},{"text":"Once we get that one back, we'll implement the advice there for you, and I'll make sure we do a review soon to see how things are going and see what else we need to update for you.","start":1788.065,"end":1796.565,"sentiment":"neutral","sentiment_score":0.2014180149294828},{"text":"Okay?","start":1796.625,"end":1797.125,"sentiment":"neutral","sentiment_score":0.13487641513347626}],"sentiment":"neutral","sentiment_score":0.2737231882555144,"num_words":63,"start":1782.74,"end":1797.125},{"sentences":[{"text":"My pleasure.","start":1798.9209,"end":1799.5609,"sentiment":"positive","sentiment_score":0.8266392350196838},{"text":"Have a great weekend.","start":1799.5609,"end":1800.5209,"sentiment":"positive","sentiment_score":0.8014843016862869},{"text":"Thank you for your time.","start":1800.5209,"end":1801.8209,"sentiment":"positive","sentiment_score":0.7914902925491333},{"text":"Thanks.","start":1803.5609,"end":1803.9609,"sentiment":"positive","sentiment_score":0.5817509889602661},{"text":"See you later.","start":1803.9609,"end":1804.6809,"sentiment":"positive","sentiment_score":0.4404779076576233}],"sentiment":"positive","sentiment_score":0.7146567900975546,"num_words":15,"start":1798.9209,"end":1804.6809},{"sentences":[{"text":"Bye.","start":1804.6809,"end":1805.1809,"sentiment":"positive","sentiment_score":0.3424362540245056}],"sentiment":"positive","sentiment_score":0.3424362540245056,"num_words":1,"start":1804.6809,"end":1805.1809}]}}]},{"alternatives":[{"transcript":"Hello. Are you speaking? Hello? Not bad. Thanks. How are you? Can you give me just a couple of minutes? I'll just quickly finish doing one thing, and then I'll I'll just pop you in a quick hold. Won't be a second. Hi. Sorry. Sorry for that. Yes. Yeah. That's fine. Mhmm. Yeah. That's fine. Yes. It's Andrew Newman. Date of birth is 1994. And address is 31 Ravensworth Lane, Gresham, Hills. That should be fine. I'll just put my AirPods in. Yep. Yep. Beautiful. Is it the one that this the one that says signature request, Is that the one? Because that's and then do I just click sign document? Oh, no. I see the attachments on the bottom. Yep. Yep. Let me get the quote the old quote one now. Is that the one you want to start with? Oh, yes. That's it. Yeah. Mhmm. Yep. Yes. Okay. Yep. Yep. Yep. It it would bug a little bit. So it's, like, year to date, I think, like, 75,000. So I would should be probably around that $8,080,000. Yeah. Yeah. Yes. Yeah. That's the way. Yep. Everything seems right. My job title now has, like, somewhat recently changed to store manager, but that's about It's not, like, imminent yet, but as of right now, that's what my probably is. Okay. Yep. Thank you. It'd be my big savings account. Let me have a look at that one. That big savings account. Right, the 29,000 on your sheet is up to 33 512. Yep. Yep. Mhmm. Yep. Yep. Okay. Yes. Yep. Yes. Yep. Yep. Okay. This one. Yes. Mhmm. Yeah. Yeah. Yep. Yes. Yes. Yep. Yeah. Yeah. No. Not really. I mean, I look at my things, like, not, like, often. I never see it, like, go down a lot to give you any, like, reservations. I'm pretty happy with it all. Yes. Yes. Mhmm. Yep. Yes. Yep. Yep. Yep. Mhmm. Yes. Yeah. Yep. Yeah. Beautiful. Yep. Yep. Yep. Yep. Okay. Yeah. Yes. Yeah. Yes. Yes. Yep. Yes. Yes. Okay. Yeah. Yep. Yep. No. Everything, like you said, is straightforward. I need to understand here. Yep. Yep. Okay. Yeah. K. Yep. Will do. Thank you very much. I do. I do. I have tomorrow, so pretty good. Yeah. Yep. It's very good. Will do. Okay. Sounds good. Thank you. You too. Thanks again. Thank you. Bye. 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Are you speaking? Hello? Not bad. Thanks.\n\nHow are you? Can you give me just a couple of minutes? I'll just quickly finish doing one thing, and then I'll I'll just pop you in a quick hold. Won't be a second. Hi.\n\nSorry. Sorry for that. Yes. Yeah. That's fine.\n\nMhmm. Yeah. That's fine. Yes. It's Andrew Newman.\n\nDate of birth is 1994. And address is 31 Ravensworth Lane, Gresham, Hills. That should be fine. I'll just put my AirPods in. Yep.\n\nYep. Beautiful. Is it the one that this the one that says signature request, Is that the one? Because that's and then do I just click sign document? Oh, no.\n\nI see the attachments on the bottom. Yep. Yep. Let me get the quote the old quote one now. Is that the one you want to start with?\n\nOh, yes. That's it. Yeah. Mhmm. Yep.\n\nYes. Okay. Yep. Yep. Yep.\n\nIt it would bug a little bit. So it's, like, year to date, I think, like, 75,000. So I would should be probably around that $8,080,000. Yeah. Yeah.\n\nYes. Yeah. That's the way. Yep. Everything seems right.\n\nMy job title now has, like, somewhat recently changed to store manager, but that's about It's not, like, imminent yet, but as of right now, that's what my probably is. Okay. Yep. Thank you. It'd be my big savings account.\n\nLet me have a look at that one. That big savings account. Right, the 29,000 on your sheet is up to 33 512. Yep. Yep.\n\nMhmm. Yep. Yep. Okay. Yes.\n\nYep. Yes. Yep. Yep. Okay.\n\nThis one. Yes. Mhmm. Yeah. Yeah.\n\nYep. Yes. Yes. Yep. Yeah.\n\nYeah. No. Not really. I mean, I look at my things, like, not, like, often. I never see it, like, go down a lot to give you any, like, reservations.\n\nI'm pretty happy with it all. Yes. Yes. Mhmm. Yep.\n\nYes. Yep. Yep. Yep. Mhmm.\n\nYes. Yeah. Yep. Yeah. Beautiful.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. Yes. Yeah. Yes. Yes.\n\nYep. Yes. Yes. Okay. Yeah.\n\nYep. Yep. No. Everything, like you said, is straightforward. I need to understand here.\n\nYep. Yep. Okay. Yeah. K.\n\nYep. Will do. Thank you very much. I do. I do.\n\nI have tomorrow, so pretty good. Yeah. Yep. It's very good. Will do.\n\nOkay. Sounds good. Thank you. You too. Thanks again.\n\nThank you. Bye. 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like you said, is straightforward.","start":1698.985,"end":1700.605,"sentiment":"neutral","sentiment_score":0.20355618745088577},{"text":"I need to understand 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do.","start":1761.565,"end":1762.0449,"sentiment":"neutral","sentiment_score":0.21361979097127914},{"text":"Thank you very much.","start":1762.0449,"end":1762.92,"sentiment":"positive","sentiment_score":0.5166535824537277},{"text":"I do.","start":1771.4801,"end":1772.12,"sentiment":"neutral","sentiment_score":0.19357740879058838},{"text":"I do.","start":1772.12,"end":1772.4401,"sentiment":"neutral","sentiment_score":0.18688219040632248}],"sentiment":"neutral","sentiment_score":0.31150370971723035,"num_words":11,"start":1755.4049,"end":1772.4401},{"sentences":[{"text":"I have tomorrow, so pretty good.","start":1772.4401,"end":1775.02,"sentiment":"positive","sentiment_score":0.3428196907043457},{"text":"Yeah.","start":1776.4401,"end":1776.9401,"sentiment":"neutral","sentiment_score":0.15483827888965607},{"text":"Yep.","start":1777.855,"end":1778.355,"sentiment":"neutral","sentiment_score":0.3088676333427429},{"text":"It's very good.","start":1779.855,"end":1780.995,"sentiment":"positive","sentiment_score":0.8593327601750692},{"text":"Will do.","start":1788.255,"end":1788.995,"sentiment":"neutral","sentiment_score":0.051334189251065254}],"sentiment":"positive","sentiment_score":0.40009928580660087,"num_words":13,"start":1772.4401,"end":1788.995},{"sentences":[{"text":"Okay.","start":1796.8401,"end":1797.2401,"sentiment":"neutral","sentiment_score":0.30814799666404724},{"text":"Sounds good.","start":1797.2401,"end":1797.8,"sentiment":"positive","sentiment_score":0.7099512815475464},{"text":"Thank you.","start":1797.8,"end":1798.4601,"sentiment":"positive","sentiment_score":0.7914750874042511},{"text":"You too.","start":1801.7201,"end":1802.2001,"sentiment":"positive","sentiment_score":0.48190370202064514},{"text":"Thanks again.","start":1802.2001,"end":1803.02,"sentiment":"positive","sentiment_score":0.6635202169418335}],"sentiment":"positive","sentiment_score":0.6224276191658444,"num_words":9,"start":1796.8401,"end":1803.02},{"sentences":[{"text":"Thank you.","start":1804.6001,"end":1805.3201,"sentiment":"positive","sentiment_score":0.3649890869855881},{"text":"Bye.","start":1805.3201,"end":1805.64,"sentiment":"neutral","sentiment_score":0.18709349632263184},{"text":"Bye.","start":1805.64,"end":1806.14,"sentiment":"neutral","sentiment_score":-0.10660931468009947}],"sentiment":"neutral","sentiment_score":0.20261558890342712,"num_words":4,"start":1804.6001,"end":1806.14}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Are you speaking?\n\nChannel 0: Hi, Andrew. It's Dana from\n\nChannel 1: Hello?\n\nChannel 0: Okey Financial. How are you today?\n\nChannel 1: Not bad. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in this afternoon just to go through your updated advice document. Is now still a good time there for you?\n\nChannel 1: Can you give me just a couple of minutes? I'll just quickly\n\nChannel 0: Yeah.\n\nChannel 1: finish doing one thing, and then I'll I'll just pop you in a quick hold. Won't be a\n\nChannel 0: Yeah.\n\nChannel 1: second.\n\nChannel 0: That's absolutely fine. Not a problem at all.\n\nChannel 1: Hi. Sorry. Sorry for that.\n\nChannel 0: That's okay. You're absolutely fine. It's not a problem at all. Is now still okay to run through the updated device? Yeah.\n\nChannel 1: Yes. Yeah. That's fine.\n\nChannel 0: Yeah. All good. And before we jump into the call, I do have to let you know, we do record our calls for quality and training purposes. Are\n\nChannel 1: Mhmm.\n\nChannel 0: you happy for me to proceed with that?\n\nChannel 1: Yeah. That's\n\nChannel 0: Fantastic. And I'll do security there with you as well. We are discussing your personal information.\n\nChannel 1: fine.\n\nChannel 0: So I just need to confirm your full name, date of birth, and address that you have on file.\n\nChannel 1: Yes. It's Andrew Newman. Date of\n\nChannel 0: Yep.\n\nChannel 1: birth is 1994.\n\nChannel 0: Yep.\n\nChannel 1: And address is 31 Ravensworth Lane, Gresham, Hills.\n\nChannel 0: Yep. Perfect. Thank you so much for that. Now it sounds like you're still at work. Are you able to access your emails, or is now good not a good time to look at them?\n\nIt's okay if you can't?\n\nChannel 1: That should be fine. I'll just put my AirPods in.\n\nChannel 0: Yeah. That's okay. All good. I'm pressing send on this one now. I'm just gonna send through the advice document through to you.\n\nIf you can't,\n\nChannel 1: Yep.\n\nChannel 0: it's okay. I can run through the recommendations, and you're welcome to have a read of it later anyway. Just wanted to kinda go through things. We did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances,\n\nChannel 1: Yep.\n\nChannel 0: but we've also noticed this year with the changes in the market conditions that we also wanted to update your portfolio. So I've sort of held back a little bit and wanted to do everything as part of this advice document to show you, you know, what we need to maybe do moving forward to help you meet your goals there. Okay?\n\nChannel 1: Beautiful.\n\nChannel 0: Excellent. Now just let me know when that email pops through there to you. Hopefully, it doesn't take too long.\n\nChannel 1: Is it\n\nChannel 0: There's\n\nChannel 1: the\n\nChannel 0: a\n\nChannel 1: one\n\nChannel 0: couple\n\nChannel 1: that this\n\nChannel 0: of attachments.\n\nChannel 1: the one that says signature\n\nChannel 0: Yep.\n\nChannel 1: request, Is that the one?\n\nChannel 0: K. That's the\n\nChannel 1: Because\n\nChannel 0: one.\n\nChannel 1: that's\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: and then do I just click sign document? Oh, no. I see the\n\nChannel 0: You\n\nChannel 1: attachments\n\nChannel 0: do\n\nChannel 1: on the bottom.\n\nChannel 0: yeah. So don't put your signature in there. If you press the sign button, it allows you to go through so you can review the document. It allows you to go up and down. I don't ever want you to sign anything you haven't read, so just kinda\n\nChannel 1: Yep.\n\nChannel 0: go back through with that. Just let me know make sure it works okay for you.\n\nChannel 1: Yep. Let me get the quote the old quote one now. Is that the one you want to start with?\n\nChannel 0: No. So if you're just looking at at the the attachments there, one of them should say statement of advice.\n\nChannel 1: Oh, yes. That's it. Yeah.\n\nChannel 0: Yep. That's the one. Perfect. So that's the document that we're looking at here. All the other things are the attachments there.\n\nThe quote is the increased quote that you for your income protection side of things, but it's all inside this document as well. We just attached the financial services guide, the appendix, the quotes, and all the PDF documents for you just to show you kind of all the research that we go through and to provide all the information around how and why we have made these recommendations there. Not everyone wants to read all of those. That's why they're all set\n\nChannel 1: Mhmm.\n\nChannel 0: there as attachments. I know\n\nChannel 1: Yep.\n\nChannel 0: not everyone's as crazy as me as read PDF documents, but all the information is outlined here in the advice document, which you also get to go back and review later as well. Okay? On the front of the advice document, it has prepared for yourself as of the 03/30/2026. I'm prepared by myself, Sandra Taylor. I'm an authorized representative under Oakview Financial, and I'm a registered financial adviser, and my license number is 1304394.\n\nAs you scroll through the first couple of pages there, it does note that the advice is provided under the best interest duty. This is all legislated under the corporation's act to making sure that we understand enough about you, your personal and financial circumstances, and what your goals are, and that any advice that we do do provide is there to be in your best interest in working towards your goals. As a financial adviser, we do have a fiduciary duty. So if any of your interest clash with that of my employer, I work for you. So I make sure that I abide by and work in your best interest.\n\nOkay?\n\nChannel 1: Yes. Okay. Yep.\n\nChannel 0: Beautiful. I will let you go back and have a really good rate of all the document later. So I'm kinda gonna skip through a few pages now. But just to\n\nChannel 1: Yep.\n\nChannel 0: kind of sort of outline for you, we are stopping in areas of superannuation here. You were hoping to be able to access super around '60 or '65. Essentially, you got a long time ago. You're still very young.\n\nChannel 1: Yep.\n\nChannel 0: So we are working towards those goals there. We had noted some of the investments in recent months have been underperforming, so we wanted to out update the portfolio to make sure that it's working in your best interest, that you're in the best investors possible, working harder for you, but also where we can save you some fees as well. Okay? And when we spoke last time, did your annual review, your income had increased to about 80,000 there. So your income was a bit your income protection policy did mean that you're a little bit underinsured there.\n\nSo we were working on increasing that up to 70% to make sure you had the maximum benefit in the event that something was to happen. Since we did last catch up, has your income increased over and above that at all? Is that still fairly accurate?\n\nChannel 1: It it would bug a little bit.\n\nChannel 0: Yes. Yeah. You're fine.\n\nChannel 1: So it's, like, year to date, I think, like, 75,000. So I would should be probably around that $8,080,000. Yeah.\n\nChannel 0: Yep. That's okay. No problem at all. That's fantastic. Just wanna make sure I update all of your circumstances while we are going because things can definitely change from month to month.\n\nSo if that ever does increase any further or if you find that you need to maybe look at increasing this a bit further, just let me know. We can always come back and reupdate\n\nChannel 1: Yeah.\n\nChannel 0: these\n\nChannel 1: Yes.\n\nChannel 0: for you. Okay?\n\nChannel 1: Yeah. That's the way.\n\nChannel 0: Excellent. Now we have scoped our areas of trauma, so you don't have any trauma cover at the moment. We sort of went through how that's an out of pocket cost. You didn't wanna look at any insurances out of pocket at the moment. But if you decide down the track, you are welcome to let me know, and we can definitely assist you and have a further conversation around that.\n\nWhen we do get any reviews every year, we'll keep touching base, and I'll keep asking you about those extra insurances to sort of see what your thoughts are. And if at any point outside of those times that you wanna discuss them, let me know. I'll make some time to touch base, and we can talk a bit more in-depth about them. Okay? Excellent.\n\nWe are also scoping out for the areas around cash flow and budgeting. You did mention you're looking to buy a new car. Was this a thought at the time? So sometimes on the track, when you're ready, we obviously can't do the loan for you. We're not a credit providers.\n\nHowever, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through to. Those sorts of brokers don't get paid by the lenders that they do the loan for, so they don't cost you a cent. And if you wanted to speak to one of them for a personal loan, we can absolutely put you forward with\n\nChannel 1: Yep.\n\nChannel 0: that. In areas of cash flow and budgeting as an adviser, I can do cash flow and budgeting advice, whereas maybe putting some money away to save up for a certain goal or investing for long term wealth outside of super as well. So there's other areas that we can look at down the track if you would like additional advice in those areas. Okay? Perfect.\n\nPage number seven is the information about you based on our last conversation. Has there been any changes? Would you like any of that to be kind of updated?\n\nChannel 1: Everything seems right. My job title now has, like, somewhat recently changed to store manager, but that's about\n\nChannel 0: Yep. That's okay.\n\nChannel 1: It's\n\nChannel 0: Not\n\nChannel 1: not,\n\nChannel 0: a\n\nChannel 1: like,\n\nChannel 0: problem at\n\nChannel 1: imminent\n\nChannel 0: all.\n\nChannel 1: yet, but as of right now, that's what my probably\n\nChannel 0: Perfect. Well,\n\nChannel 1: is.\n\nChannel 0: congratulations. That sounds fantastic. I\n\nChannel 1: Okay.\n\nChannel 0: will I'll update that in the back end for you. So the good news is\n\nChannel 1: Yep.\n\nChannel 0: it doesn't have any effect on the advice I'm providing, but I'll make sure my records in the back end are correct. And congratulations on your promotion. That sounds fantastic.\n\nChannel 1: Thank you.\n\nChannel 0: The next page is the assets and liabilities there. Just noting what we had on you. You've got some savings, your bills account, credit card, and your vehicle there. You've also got your credit card. I know some of those may have changed a little bit since we last spoke.\n\nThese don't have any effect on the advice that we are providing, but is there any update to these that you would like me to make in the back end for you?\n\nChannel 1: It'd be my big savings account. Let me have a look at that one. That big savings account. Right, the 29,000 on\n\nChannel 0: Yep.\n\nChannel 1: your sheet is up to\n\nChannel 0: Yep.\n\nChannel 1: 33\n\nChannel 0: Perfect.\n\nChannel 1: 512.\n\nChannel 0: Lovely. Thank you so much for that. I'll make sure I update that at the back end for you for our records as well. I appreciate you updating that information for me. Excellent.\n\nI'll kinda just skip through a couple of pages at the moment. But to make it a bit easier, if you can scroll down for me just to page number 15, I'll start by going through around the superannuation. So I did go back and have a really good look at your superannuation as well as all the others out there just to kind of make sure that we understood where things were at. And we haven't kind of mentioned. We wanted to make some changes to your portfolio there as well.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: we had had a bit of a look back and had noted that you originally had some Benelon Australian equities in there, and it had been underperforming quite significantly with what's been happening globally as well as within Benelon as a whole.\n\nChannel 1: Yep.\n\nChannel 0: So we wanted to make sure that we update your portfolio. We don't ever want you to be in any underperforming investment set.\n\nChannel 1: Mhmm.\n\nChannel 0: So we are looking to move all of the Bennelong Australian equities. Now when you had that originally put in portfolio, Benelon's job as a managed fund was to outperform against the market. They haven't been able to do that, and they've had some issues with some of the underlying investments over the past few months there as well. So we're gonna give them a flick out of your portfolio and replace that\n\nChannel 1: Yep.\n\nChannel 0: with the BetaShares a 200. Essentially, with the BetaShares a 200, it's still giving you access to Australian equities, which is the same as what Benelon was giving you access to. The main difference\n\nChannel 1: Yep.\n\nChannel 0: is that the BetaShares a 200 is not an actively managed fund. It's an ETF, and it's more passively managed. So instead of track the top 200 companies, essentially, in order to be one of the top 200 companies, you have to meet a certain criteria. And if you're not in that criteria, you are deducted out, so it does track an indices essentially.\n\nChannel 1: Okay. Yes.\n\nChannel 0: If if the top one of the top 200 companies doesn't meet the criteria to be in that industries, they are removed out and something is put in its place. So it is giving you a lot more diversification. Then along Australian equities is also in the investing in around about 20 to 25 to 30 at the best of times. Different Australian equities since it's giving you a lot more diversification in your portfolio as well by having the top 200 companies there. And it's also\n\nChannel 1: Yep.\n\nChannel 0: a bit cheaper, the fact that it's passively managed instead of an actively managed managed fund is actually a little bit cheaper for your portfolio, so it saves you a little money as well, which is really important. Yeah. Other changes that we're looking to make there, we've got some bank hybrids. These are more of your defensive investments. So your weighting's a little bit low on that one at the moment.\n\nDefensive investments are there in your portfolio to help with diversification. We always wanna have a a I'm not sure if you remember our conversation, but you always wanna have a mix growth investments, the higher risk investments that are designed to get greater growth and greater potential returns, as well as some lower risk investments like cash bonds and fixed interest. The bank\n\nChannel 1: Yes.\n\nChannel 0: hybrids actually fall in that defensive category. They are sort of traded a bit like shares, but they are more cash producing. It's essentially putting money into debt and then getting a coupon payment or an income payment out on a regular basis, and they tend to pay these in a monthly basis, which is the cool for your portfolio. It helps with compounding. So you're a little\n\nChannel 1: Yep.\n\nChannel 0: bit underweighted there at the moment, so we're gonna buy a little bit more of that and bring your weighting up to 12%. With the agriculture, has been performing really well. Just wanna make a bit of a switch in there for you. So you've got about 2% through at the moment. We're gonna buy some more and bring it up to 7%.\n\nAgain, that's more of a growth asset, has been performing quite nicely. It has had a little bit of a down point over the past couple of years. It isn't a bad investment to to keep in your portfolio, so we're just gonna kind of bring it back up to waiting for you. Gold, you've currently got 17% in there, and that is really well. Gold has done gangbusters over the last twelve months.\n\nWe did see a pretty heavy dip this year in February, but it's recovered quite nicely from that one. You're a bit overweighted, and while it's good to have gold in your portfolio, you do risk that when you are overweight in certain asset classes, it does increase your risk levels for your portfolio. So doing a rebalance is really important. So we're just gonna\n\nChannel 1: Yep.\n\nChannel 0: rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you. Okay?\n\nChannel 1: Okay. This one.\n\nChannel 0: Yeah. With the cybersecurity, again, that has taken a little bit of a battering this year with what's been happening globally, but it is still a really good investment to have as everything goes online and with everything that's been happening over the past couple of years with the hacking scandals and whatnot, cybersecurity is still a very large area of issue. And I think with what's happening between The US and and Iran at the moment, cybersecurity is gonna become very much more of a a prevalent area in the future as well. So we're\n\nChannel 1: Yes.\n\nChannel 0: keeping that in there. Your weighted is about 4.62 there at the moment, so we're just gonna increase the weighting there to 7%. Again, this is\n\nChannel 1: Mhmm.\n\nChannel 0: more of a growth investment. And whilst it's down, and because we're distributing some of the gains and some of the other assets like gold, be able to buy into the current debt that cybersecurity's made. So we're taking advantage\n\nChannel 1: Yeah.\n\nChannel 0: of the downtime with that one, which is pretty cool as well.\n\nChannel 1: Yeah.\n\nChannel 0: With the S and P 500, you're currently a little bit overweighted there, so we're gonna sell a little bit that off and bring you back to a weighting of 2424%. The same with the BetaShares a 200. The S and P 500 is an index. And, essentially, with the iShares S and P 500, you're tracking the index there. So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria.\n\nBut the same thing applies with the indices there. If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there. So you always invest in the top 500 companies. I know some\n\nChannel 1: Yep.\n\nChannel 0: people have kind of brought up, you know, is it still good to be invested in The US is what's been happening at the moment, and it absolutely is. Whilst The US is, you know, at the forefront of this war with Iran, there's often conflicts of things that are happening. But over the longer time, investing in The US does provide great greater returns. So it is definitely a place that you wanna be participating in the market with. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: With the BetaShares Raffy 200, you still got that. It is still a good investment there. It's giving you access to some of the mid and lower cap companies on the ASX. It's run about 200 companies in that in that criteria there. It's just it's not overweighting you in Aussie equities in any way, shape, or form.\n\nIt's just giving you exposure to other areas on the ASX, which is cool. You're overweighted a bit with about 19% there, so we're just gonna bring that back to 15% for you. And then\n\nChannel 1: Yep.\n\nChannel 0: I've explained we're getting rid of the ban along for you. No need to have any underperforming investments in your seat for that. And with the ClearBridge infrastructure income fund, so that one, there's more of an alternative. It's looking at infrastructure. It has been a bit up and down over the last few months.\n\nIt's currently performing quite nicely. We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it. Part of this is defensive as well. So part of this infrastructure fund works defensively, and other parts of it work as alternatives in alternatives because it's, like, property and infrastructure and things like that. So it is a\n\nChannel 1: Yeah.\n\nChannel 0: really good investment to have. I'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well. I do kinda\n\nChannel 1: Yeah.\n\nChannel 0: go through those fairly basically because not everyone's that interested in these investments. But did you have any questions around the portfolio, the changes, any of those investment options at all?\n\nChannel 1: No. Not really. I mean, I look at my things, like, not, like, often. I never\n\nChannel 0: Yeah.\n\nChannel 1: see it, like, go down a lot to give you any, like,\n\nChannel 0: Yeah.\n\nChannel 1: reservations. I'm pretty happy with it all.\n\nChannel 0: Oh, fantastic. That's really good to hear. Excellent. Underneath that table, you'll see there is the cash account there as well. So we do have to hold 1.25% cash.\n\nIt does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you. Just making sure you just hold that 1,192. Just making\n\nChannel 1: Yes.\n\nChannel 0: sure it's limited amount of cash out because the rest of the money should be invested and growing for your future. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. To make it nice news, if you go down to page number 17 for me, this is a fee comparison table. So one of the things we do look at is obviously the fees and and what it costs you to be invested because buying into investment ETFs and managed funds, you do pay fees for doing so. With your current scenario, there it does show that with the investment fees at the fees at the moment, it's about $483. By taking\n\nChannel 1: Mhmm.\n\nChannel 0: on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees. So it is a much cheaper portfolio.\n\nChannel 1: Yep.\n\nChannel 0: And on the bottom there, you'll see it actually has performed greater as well. So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%. So while, essentially, past performance is an indicator of what future future performance is, it it gives us an idea of what could what can be expected in good market conditions. So we can\n\nChannel 1: Yes.\n\nChannel 0: kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen. And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years. If the market stayed the same or if they did the same, this is the average of where it should or could expect to get. So it kinda gives us an idea of what we can expect out of certain portfolios, keeping in mind that things like what's happening now, you can never expect is going to happen. So things can always throw spanners in the works, but you're young enough to withstand those market ups and downs.\n\nSo we just wanna make sure that we're, you know, making changes that we need to with the portfolio, rebalancing when we need to as well to keep your risk level in the right sort of range, but also\n\nChannel 1: Yep.\n\nChannel 0: making sure that you're, you know, not making any, you know, any decisions quickly or any emotional decisions and selling out of your portfolio when you don't need to as well. So it's always a little bit of juggling us, and that's why we make a lot of decisions based on all the information we have and make decisions based on your goals as well for you. Okay? Excellent. I do like to make sure you're aware.\n\nSo up in the top hand corner of this table, you'll see it's at $22. That's essentially the CGT. So just like you do your tax return every year, your super fund does one as well. And\n\nChannel 1: Yep.\n\nChannel 0: so for making the changes that I went through above, we estimate that your super fund will pay $22 in CGT cost to make those switches for you. So we've essentially been able to utilize essentially any of the losses that have been generated with the fund to try and offset as many of the gains as possible, which has left us with just this $22, which is a pretty good CDT considering the changes that we're making there. Yeah. Yeah. With the insurance premiums there, you'll note that they are going up a little bit.\n\nSo one of the things that we talked about when we did your annual review was that you wanted to look at increasing your income protection just to sort of see what that cost would be.\n\nChannel 1: Yep.\n\nChannel 0: You're an a little bit under underinsured with that one. So I wanted to sort of make sure you had a a 70% of your income covered in the sense that you were off work due to illness or injury. So if you go down to page number 19 for me, I did have a really good look at all the options for insurances, just making sure that, you know, increasing with the same provider was the best way to go, and it absolutely is. So we're looking to retain your life and TPD at the level that you have. You are happy and\n\nChannel 1: Mhmm.\n\nChannel 0: comfortable with the level that you have at the moment, and we'll make sure we review that moving forward with you as well. But with your income protection policy, at the moment, you're covered for some insured or a monthly benefit of 3,730 as a gross amount. So we're\n\nChannel 1: Yes.\n\nChannel 0: gonna increase it up to the 70%, which means you're just increasing it to 4,666. We're still keeping the waiting period at thirty days and still keeping the current benefit period of the age 65 benefit period. So no changes to anything else there. And it essentially shows that sorry, that the insurance premium just increases just slightly there. So it goes from 1,077 and 17¢ to about $1,286.08.\n\nIt's about a $170 difference for the year to increase that benefit for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? Yeah. I have chosen to increase it with Clearview and not look at another provider for the top up cover because, essentially, your current policy is the is the pro provider you have. It's fantastic. They are a great provider.\n\nWe are retaining your life in CPD as it is. And just by increasing income protection, you'll still go through an in an increased application form. So new increased policy, but they'll only underwrite the increase. So anything in your current existing policy stays as it is. And if there's\n\nChannel 1: Yep.\n\nChannel 0: any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you. So\n\nChannel 1: Yeah.\n\nChannel 0: keeping your current policy and increasing does work out a lot better for you and definitely in your best interest. Okay. All good.\n\nChannel 1: Beautiful.\n\nChannel 0: When we kinda went through things last time, yeah, there really didn't seem like there was gonna be any changes to it. There was nothing that kind of flagged as being anything different. But if you're happy to go ahead with those recommendations, then when you do go through the application with my admin team, after they go through things, they always flag anything with me so we can always stop and, you know, have a conversation before we happen to send it through to the insurer. But, yeah, I'll always check the application with my admin team once they've gone through that with you to just\n\nChannel 1: Yep.\n\nChannel 0: make sure that it's all okay before we send it off. Okay?\n\nChannel 1: Yep.\n\nChannel 0: All good. I also have just made a recommendation here around your insurance. Sorry. Around your beneficiaries. I do apologize for that.\n\nEssentially, I just wanna make sure that your beneficiaries are up to date, making sure they are following your direction, and that if anything was to happen to you, essentially, the aim is that we want you to get to retirement, have a lovely super balance, and then enjoy your life. You know?\n\nChannel 1: Yep.\n\nChannel 0: Spend your money and enjoy it. When we sorta had a bit of a chat, you didn't really have anyone at the time that you wanted to kinda leave it to. So I'm making a recommendation that we make sure your beneficiary nominations are binding non lapsing. So it binds the trust fee to follow the direction, and non lapsing, you only have to fill these out once. Once they're filled\n\nChannel 1: Yep.\n\nChannel 0: out correctly and applied, you never have to fill these nominations out again unless you wanna change them. And we do it to your legal personal representative. That means that if anything happens to you, if you were to pass away prematurely, your super benefit and your life insurance benefit is paid to your estate, and then you just need to make sure a will is completed and set up. That way, it can all be directed out to whoever you choose as per your will the directions inside your will, if that makes sense.\n\nChannel 1: Okay. Yeah. Yes. Yeah.\n\nChannel 0: Yep. Yep. Beautiful. I've also made a recommendation here that you do establish your will and make sure of how attorney is also set up. They are done by a qualified solicitor.\n\nI'm not a solicitor. We can refer you through to one. I'm not sure if we sent the email last year for you. I'm more than happy to do so again. But we can definitely refer you through to a local solicitor here on the Gold Coast.\n\nThey do things by email, phone as well. We can just send you some information on them and a bit of a cost on how much they charge to set up a will and power of attorney. But doing those\n\nChannel 1: Yes.\n\nChannel 0: sorts of things is really important for protecting all of your assets. You've worked really hard. And, well, sometimes when we're young and don't think we have a lot, realistically, when you look around, what you've been able to accumulate is still really important. And having a super and your life proceeds lumped in with that together does mean that your estate ends up being valued pretty high, essentially. So all of that can be worth quite quite a significant sum down the track.\n\nSo it's really important they are kind of all looked after and protected for you. Okay.\n\nChannel 1: Yes. Yep.\n\nChannel 0: All good. With that one there, I do have to let you know the remuneration side of things. So we do receive remuneration from the insurer for essentially, sorry, the remuneration from the insurer for setting up the insurances for you. We do receive 66% of the first year's premiums and then 22% there ongoing.\n\nChannel 1: Yes.\n\nChannel 0: It is standard across the board, so it doesn't have any effect on my recommendations in any way, shape, or form. However, it's just really important that I make sure I'm being honest and open with you, and we disclose the remuneration on page 31 for you as well.\n\nChannel 1: Yes. Okay.\n\nChannel 0: For\n\nChannel 1: Yeah.\n\nChannel 0: the advice yeah. For the advice being provided, there's no upfront implementation fees in any way, shape, or form. If you're an ongoing service client, you pay the ongoing service fee of 1.65%. So that means that we're working for you, and we're setting up everything and, you know, making sure that we're updating the advice to work towards your goals and making sure that we're working in your best interest and reviewing everything with you as well on a regular basis.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. All good. It's fairly easy and fairly straightforward, but do you have any questions for me in relation to any of that?\n\nChannel 1: No. Everything, like you said, is straightforward.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: need to understand here.\n\nChannel 0: Beautiful. Yeah. Excellent. So I'll let you take some time to go back and have a read through the document if you like. If you do find you have any questions at any point, please do let me know.\n\nChannel 1: Yep.\n\nChannel 0: Once you're happy to take ahead the recommendations, if you wanna take all of them on board, I'll get you to sign and return the document back to me. If\n\nChannel 1: Yep.\n\nChannel 0: you any if there's any part of the recommendations you do not wish to take on board, on the back page, we do have a little text box. You just write what what you're not wanting to take, what part of the recommendations you don't wish to proceed with, and we can always\n\nChannel 1: Okay.\n\nChannel 0: make sure that we follow that direction for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: K.\n\nChannel 0: All good. It's often quite a bit in there. I always outline the advantages, disadvantages, and the risks involved. I tend to go through some of those with regards to going through the document for you, but we outline all of that there. So you're welcome to take some time, go back, and have a bit of a read through any of those.\n\nAnd, look, Andrew,\n\nChannel 1: Yep.\n\nChannel 0: if there's any questions at all, doesn't matter what it is, you let me know. I'm more than happy to answer them for you. Okay?\n\nChannel 1: Will do. Thank you very much.\n\nChannel 0: My pleasure. I will let you go. I thank you for your time today. I hope you have a lovely afternoon, and, hopefully, you have a lovely, warm weekend. Oh,\n\nChannel 1: I do. I do. I have tomorrow, so pretty good.\n\nChannel 0: me too. That's fantastic. A nice long\n\nChannel 1: Yeah.\n\nChannel 0: weekend.\n\nChannel 1: Yep. It's\n\nChannel 0: Fantastic.\n\nChannel 1: very good.\n\nChannel 0: Excellent. Excellent. Well, thank you so much for your time. I will let go. If there's anything you need in the meantime, please let me know.\n\nOnce\n\nChannel 1: Will\n\nChannel 0: we get\n\nChannel 1: do.\n\nChannel 0: that one back, we'll implement the advice there for you, and I'll make sure we do a review soon to see how things are going and see what else we need to update for you. Okay?\n\nChannel 1: Okay. Sounds good. Thank you.\n\nChannel 0: My pleasure. Have a great weekend. Thank you for your time.\n\nChannel 1: You too. Thanks again.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Thank\n\nChannel 0: Bye.\n\nChannel 1: you. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.16,"end":0.24,"sentiment":"neutral","sentiment_score":0.013115392997860909},{"text":"Are you speaking?","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.007407420625289281}],"sentiment":"neutral","sentiment_score":0.008834413718432188,"channel":1,"num_words":4,"start":0.16,"end":0.98},{"sentences":[{"text":"Hi, Andrew.","start":8.16,"end":8.88,"sentiment":"neutral","sentiment_score":0.07733898237347603},{"text":"It's Dana from","start":8.88,"end":9.599999,"sentiment":"neutral","sentiment_score":0.1063486138979594}],"sentiment":"neutral","sentiment_score":0.09474476128816604,"channel":0,"num_words":5,"start":8.16,"end":9.599999},{"sentences":[{"text":"Hello?","start":9.599999,"end":10.099999,"sentiment":"neutral","sentiment_score":0.08815747499465942}],"sentiment":"neutral","sentiment_score":0.08815747499465942,"channel":1,"num_words":1,"start":9.599999,"end":10.099999},{"sentences":[{"text":"Okey Financial.","start":9.599999,"end":10.42,"sentiment":"neutral","sentiment_score":0.10537329688668251},{"text":"How are you today?","start":10.559999,"end":11.38,"sentiment":"neutral","sentiment_score":0.2104944996535778}],"sentiment":"neutral","sentiment_score":0.17545409873127937,"channel":0,"num_words":6,"start":9.599999,"end":11.38},{"sentences":[{"text":"Not bad.","start":12.0,"end":12.32,"sentiment":"positive","sentiment_score":0.4293127954006195},{"text":"Thanks.","start":12.32,"end":12.48,"sentiment":"positive","sentiment_score":0.5679686069488525},{"text":"How are you?","start":12.48,"end":13.219999,"sentiment":"positive","sentiment_score":0.36828617254892987}],"sentiment":"positive","sentiment_score":0.42190878589948017,"channel":1,"num_words":6,"start":12.0,"end":13.219999},{"sentences":[{"text":"I'm very well.","start":13.295,"end":14.175,"sentiment":"positive","sentiment_score":0.7031455834706625},{"text":"Thank you.","start":14.175,"end":14.575001,"sentiment":"positive","sentiment_score":0.7600474953651428},{"text":"I had you booked in this afternoon just to go through your updated advice document.","start":14.575001,"end":17.875,"sentiment":"neutral","sentiment_score":0.3084153433640798},{"text":"Is now still a good time there for you?","start":17.935001,"end":19.955,"sentiment":"neutral","sentiment_score":0.23373815582858193}],"sentiment":"positive","sentiment_score":0.3572208722089899,"channel":0,"num_words":29,"start":13.295,"end":19.955},{"sentences":[{"text":"Can you give me just a couple of minutes?","start":20.654999,"end":22.575,"sentiment":"neutral","sentiment_score":0.058674301124281354},{"text":"I'll just quickly","start":22.575,"end":23.395,"sentiment":"neutral","sentiment_score":0.062311278035243355}],"sentiment":"neutral","sentiment_score":0.05958354535202185,"channel":1,"num_words":12,"start":20.654999,"end":23.395},{"sentences":[{"text":"Yeah.","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.08785133808851242}],"sentiment":"neutral","sentiment_score":0.08785133808851242,"channel":0,"num_words":1,"start":23.455,"end":23.955},{"sentences":[{"text":"finish doing one thing, and then I'll I'll just pop you in a quick hold.","start":23.855,"end":26.335,"sentiment":"neutral","sentiment_score":0.11686279575030009},{"text":"Won't be a","start":26.335,"end":26.904999,"sentiment":"neutral","sentiment_score":0.04892250647147497}],"sentiment":"neutral","sentiment_score":0.10553941420382923,"channel":1,"num_words":18,"start":23.855,"end":26.904999},{"sentences":[{"text":"Yeah.","start":26.67,"end":27.07,"sentiment":"neutral","sentiment_score":0.06026693060994148}],"sentiment":"neutral","sentiment_score":0.06026693060994148,"channel":0,"num_words":1,"start":26.67,"end":27.07},{"sentences":[{"text":"second.","start":26.904999,"end":27.404999,"sentiment":"neutral","sentiment_score":0.07696953415870667}],"sentiment":"neutral","sentiment_score":0.07696953415870667,"channel":1,"num_words":1,"start":26.904999,"end":27.404999},{"sentences":[{"text":"That's absolutely fine.","start":27.07,"end":28.03,"sentiment":"neutral","sentiment_score":0.2936602334181468},{"text":"Not a problem at all.","start":28.03,"end":29.33,"sentiment":"neutral","sentiment_score":0.20864178240299225}],"sentiment":"neutral","sentiment_score":0.2405237015336752,"channel":0,"num_words":8,"start":27.07,"end":29.33},{"sentences":[{"text":"Hi.","start":67.06,"end":67.3,"sentiment":"neutral","sentiment_score":0.11099640280008316},{"text":"Sorry.","start":67.3,"end":67.619995,"sentiment":"neutral","sentiment_score":0.09639571607112885},{"text":"Sorry for that.","start":67.619995,"end":68.52,"sentiment":"neutral","sentiment_score":0.17016610006491342}],"sentiment":"neutral","sentiment_score":0.14357808381319045,"channel":1,"num_words":5,"start":67.06,"end":68.52},{"sentences":[{"text":"That's okay.","start":68.795,"end":69.355,"sentiment":"neutral","sentiment_score":0.3024528920650482},{"text":"You're absolutely fine.","start":69.355,"end":70.395004,"sentiment":"positive","sentiment_score":0.4471001625061035},{"text":"It's not a problem at all.","start":70.395004,"end":71.935,"sentiment":"neutral","sentiment_score":0.3145795365174611},{"text":"Is now still okay to run through the updated device?","start":72.075,"end":74.575,"sentiment":"neutral","sentiment_score":0.12109372764825821},{"text":"Yeah.","start":74.91,"end":75.41,"sentiment":"neutral","sentiment_score":0.07762916386127472}],"sentiment":"neutral","sentiment_score":0.23282954232259231,"channel":0,"num_words":22,"start":68.795,"end":75.41},{"sentences":[{"text":"Yes.","start":75.265,"end":75.505,"sentiment":"neutral","sentiment_score":0.10158270597457886},{"text":"Yeah.","start":75.505,"end":75.665,"sentiment":"neutral","sentiment_score":0.1264856904745102},{"text":"That's fine.","start":75.665,"end":76.405,"sentiment":"neutral","sentiment_score":0.24549629539251328}],"sentiment":"neutral","sentiment_score":0.1797652468085289,"channel":1,"num_words":4,"start":75.265,"end":76.405},{"sentences":[{"text":"Yeah.","start":76.83,"end":77.15,"sentiment":"neutral","sentiment_score":0.2823373079299927},{"text":"All good.","start":77.15,"end":77.89001,"sentiment":"positive","sentiment_score":0.4136005938053131},{"text":"And before we jump into the call, I do have to let you know, we do record our calls for quality and training purposes.","start":77.950005,"end":82.850006,"sentiment":"neutral","sentiment_score":0.06175439525395632},{"text":"Are","start":83.47,"end":83.630005,"sentiment":"neutral","sentiment_score":0.026474200189113617}],"sentiment":"neutral","sentiment_score":0.093504220779453,"channel":0,"num_words":28,"start":76.83,"end":83.630005},{"sentences":[{"text":"Mhmm.","start":83.585,"end":84.085,"sentiment":"neutral","sentiment_score":0.06409382820129395}],"sentiment":"neutral","sentiment_score":0.06409382820129395,"channel":1,"num_words":1,"start":83.585,"end":84.085},{"sentences":[{"text":"you happy for me to proceed with that?","start":83.630005,"end":85.490005,"sentiment":"neutral","sentiment_score":0.1871398389339447}],"sentiment":"neutral","sentiment_score":0.1871398389339447,"channel":0,"num_words":8,"start":83.630005,"end":85.490005},{"sentences":[{"text":"Yeah.","start":85.53,"end":85.93,"sentiment":"neutral","sentiment_score":0.2408181130886078},{"text":"That's","start":85.93,"end":86.43,"sentiment":"positive","sentiment_score":0.5578359961509705}],"sentiment":"positive","sentiment_score":0.3993270546197891,"channel":1,"num_words":2,"start":85.53,"end":86.43},{"sentences":[{"text":"Fantastic.","start":87.165,"end":87.645004,"sentiment":"positive","sentiment_score":0.6270265579223633},{"text":"And I'll do security there with you as well.","start":87.645004,"end":89.245,"sentiment":"positive","sentiment_score":0.34408025277985466},{"text":"We are discussing your personal 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that.","start":104.94,"end":106.64,"sentiment":"positive","sentiment_score":0.6082560122013092},{"text":"Now it sounds like you're still at work.","start":107.020004,"end":108.96,"sentiment":"neutral","sentiment_score":0.10865232208743691},{"text":"Are you able to access your emails, or is now good not a good time to look at them?","start":109.100006,"end":112.78,"sentiment":"neutral","sentiment_score":-0.0255165950052048}],"sentiment":"neutral","sentiment_score":0.132056648550289,"channel":0,"num_words":35,"start":104.3,"end":112.78},{"sentences":[{"text":"It's okay if you can't?","start":112.78,"end":114.0,"sentiment":"neutral","sentiment_score":-0.043525104969739915}],"sentiment":"neutral","sentiment_score":-0.043525104969739915,"channel":0,"num_words":5,"start":112.78,"end":114.0},{"sentences":[{"text":"That should be fine.","start":115.18,"end":116.14,"sentiment":"neutral","sentiment_score":0.04224004969000816},{"text":"I'll just put my AirPods in.","start":116.14,"end":118.64,"sentiment":"neutral","sentiment_score":0.03728865087032318}],"sentiment":"neutral","sentiment_score":0.039269210398197175,"channel":1,"num_words":10,"start":115.18,"end":118.64},{"sentences":[{"text":"Yeah.","start":119.045,"end":119.285,"sentiment":"neutral","sentiment_score":0.08542165160179138},{"text":"That's okay.","start":119.285,"end":120.025,"sentiment":"neutral","sentiment_score":0.14952793717384338},{"text":"All good.","start":120.405,"end":120.965004,"sentiment":"neutral","sentiment_score":0.27081388235092163},{"text":"I'm pressing send on this one now.","start":120.965004,"end":122.565,"sentiment":"neutral","sentiment_score":0.10958761721849442},{"text":"I'm just gonna send through the advice document through to you.","start":122.565,"end":125.545,"sentiment":"neutral","sentiment_score":0.1018411937085065}],"sentiment":"neutral","sentiment_score":0.12232485834671103,"channel":0,"num_words":23,"start":119.045,"end":125.545},{"sentences":[{"text":"If you can't,","start":125.765,"end":126.479996,"sentiment":"neutral","sentiment_score":-0.005404609255492687}],"sentiment":"neutral","sentiment_score":-0.005404609255492687,"channel":0,"num_words":3,"start":125.765,"end":126.479996},{"sentences":[{"text":"Yep.","start":126.3,"end":126.8,"sentiment":"neutral","sentiment_score":0.06185021996498108}],"sentiment":"neutral","sentiment_score":0.06185021996498108,"channel":1,"num_words":1,"start":126.3,"end":126.8},{"sentences":[{"text":"it's okay.","start":126.479996,"end":126.96,"sentiment":"neutral","sentiment_score":0.15062429755926132},{"text":"I can run through the recommendations, and you're welcome to have a read of it later anyway.","start":126.96,"end":130.66,"sentiment":"neutral","sentiment_score":0.29562123382792754},{"text":"Just wanted to kinda go through things.","start":131.84,"end":133.2,"sentiment":"neutral","sentiment_score":0.15579496031360968},{"text":"We did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances,","start":133.2,"end":141.205,"sentiment":"neutral","sentiment_score":0.048821306577132594}],"sentiment":"neutral","sentiment_score":0.13913745256630997,"channel":0,"num_words":57,"start":126.479996,"end":141.205},{"sentences":[{"text":"Yep.","start":140.85,"end":141.35,"sentiment":"neutral","sentiment_score":0.032722294330596924}],"sentiment":"neutral","sentiment_score":0.032722294330596924,"channel":1,"num_words":1,"start":140.85,"end":141.35},{"sentences":[{"text":"but we've also noticed this year with the changes in the market conditions that we also wanted to update your 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budgeting.","start":483.05,"end":486.35,"sentiment":"neutral","sentiment_score":0.15848819854167792},{"text":"You did mention you're looking to buy a new car.","start":486.65,"end":488.49,"sentiment":"neutral","sentiment_score":0.08944681659340858},{"text":"Was this a thought at the time?","start":488.49,"end":490.01,"sentiment":"neutral","sentiment_score":0.05435199875916753},{"text":"So sometimes on the track, when you're ready, we obviously can't do the loan for you.","start":490.01,"end":494.09,"sentiment":"neutral","sentiment_score":-0.029155221884138882},{"text":"We're not a credit providers.","start":494.09,"end":496.455,"sentiment":"neutral","sentiment_score":-0.07447608783841134}],"sentiment":"neutral","sentiment_score":0.04894930880297633,"channel":0,"num_words":51,"start":483.05,"end":496.455},{"sentences":[{"text":"However, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through 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with","start":508.035,"end":512.86664,"sentiment":"neutral","sentiment_score":0.2553640039903777}],"sentiment":"neutral","sentiment_score":0.17982915209939898,"channel":0,"num_words":67,"start":496.595,"end":512.86664},{"sentences":[{"text":"Yep.","start":512.79,"end":513.29,"sentiment":"positive","sentiment_score":0.3700103759765625}],"sentiment":"positive","sentiment_score":0.3700103759765625,"channel":1,"num_words":1,"start":512.79,"end":513.29},{"sentences":[{"text":"that.","start":512.86664,"end":513.1129,"sentiment":"neutral","sentiment_score":0.22297951579093933},{"text":"In areas of cash flow and budgeting as an adviser, I can do cash flow and budgeting advice, whereas maybe putting some money away to save up for a certain goal or investing for long term wealth outside of super as well.","start":513.3592,"end":523.90497,"sentiment":"neutral","sentiment_score":0.12778143726644062},{"text":"So there's other areas that we can look at down the track if you would like additional 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okay.","start":563.19,"end":563.91,"sentiment":"neutral","sentiment_score":0.11553582549095154}],"sentiment":"neutral","sentiment_score":0.09417178233464558,"channel":0,"num_words":3,"start":562.87,"end":563.91},{"sentences":[{"text":"It's","start":563.61,"end":563.93,"sentiment":"neutral","sentiment_score":0.047995425760746}],"sentiment":"neutral","sentiment_score":0.047995425760746,"channel":1,"num_words":1,"start":563.61,"end":563.93},{"sentences":[{"text":"Not","start":563.91,"end":564.07,"sentiment":"neutral","sentiment_score":0.002245962619781494}],"sentiment":"neutral","sentiment_score":0.002245962619781494,"channel":0,"num_words":1,"start":563.91,"end":564.07},{"sentences":[{"text":"not,","start":563.93,"end":564.08997,"sentiment":"neutral","sentiment_score":-0.02377588115632534}],"sentiment":"neutral","sentiment_score":-0.02377588115632534,"channel":1,"num_words":1,"start":563.93,"end":564.08997},{"sentences":[{"text":"a","start":564.07,"end":564.23,"sentiment":"neutral","sentiment_score":-0.03855830430984497}],"sentiment":"neutral","sentiment_score":-0.03855830430984497,"channel":0,"num_words":1,"start":564.07,"end":564.23},{"sentences":[{"text":"like,","start":564.08997,"end":564.58997,"sentiment":"neutral","sentiment_score":-0.08660169690847397}],"sentiment":"neutral","sentiment_score":-0.08660169690847397,"channel":1,"num_words":1,"start":564.08997,"end":564.58997},{"sentences":[{"text":"problem 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hybrids.","start":780.975,"end":784.10004,"sentiment":"neutral","sentiment_score":0.17451542272017553},{"text":"These are more of your defensive investments.","start":784.10004,"end":785.88,"sentiment":"neutral","sentiment_score":0.1794452198914119},{"text":"So your weighting's a little bit low on that one at the moment.","start":786.02,"end":788.92004,"sentiment":"neutral","sentiment_score":0.1699935644865036}],"sentiment":"positive","sentiment_score":0.36714017142852146,"channel":0,"num_words":72,"start":769.27,"end":788.92004},{"sentences":[{"text":"Defensive investments are there in your portfolio to help with diversification.","start":789.22003,"end":792.84,"sentiment":"neutral","sentiment_score":0.2546022575009953},{"text":"We always wanna have a a I'm not sure if you remember our conversation, but you always wanna have a mix growth investments, the higher risk investments that are designed to get greater growth and greater potential returns, as well as some lower risk investments like cash bonds and fixed interest.","start":793.46,"end":807.41504,"sentiment":"neutral","sentiment_score":0.2051359366114233},{"text":"The bank","start":808.115,"end":808.59503,"sentiment":"neutral","sentiment_score":0.10735705494880676}],"sentiment":"neutral","sentiment_score":0.21058237046236172,"channel":0,"num_words":64,"start":789.22003,"end":808.59503},{"sentences":[{"text":"Yes.","start":808.30505,"end":808.80505,"sentiment":"neutral","sentiment_score":0.1565181314945221}],"sentiment":"neutral","sentiment_score":0.1565181314945221,"channel":1,"num_words":1,"start":808.30505,"end":808.80505},{"sentences":[{"text":"hybrids actually fall in that defensive category.","start":808.59503,"end":811.09503,"sentiment":"neutral","sentiment_score":0.08378721986498151},{"text":"They are sort of traded a bit like shares, but they are more cash producing.","start":812.01,"end":816.19,"sentiment":"neutral","sentiment_score":0.10945173551638922},{"text":"It's essentially putting money into debt and then getting a coupon payment or an income payment out on a regular basis, and they tend to pay these in a monthly basis, which is the cool for your portfolio.","start":816.49005,"end":826.51,"sentiment":"neutral","sentiment_score":0.24256073389398425},{"text":"It helps with compounding.","start":826.98505,"end":828.28503,"sentiment":"neutral","sentiment_score":0.2793058380484581},{"text":"So you're a little","start":828.905,"end":829.54504,"sentiment":"neutral","sentiment_score":0.11800568643957376}],"sentiment":"neutral","sentiment_score":0.1916888317312388,"channel":0,"num_words":68,"start":808.59503,"end":829.54504},{"sentences":[{"text":"Yep.","start":829.49,"end":829.99,"sentiment":"neutral","sentiment_score":-0.006714547984302044}],"sentiment":"neutral","sentiment_score":-0.006714547984302044,"channel":1,"num_words":1,"start":829.49,"end":829.99},{"sentences":[{"text":"bit underweighted there at the moment, so we're gonna buy a little bit more of that and bring your weighting up to 12%.","start":829.54504,"end":834.84503,"sentiment":"neutral","sentiment_score":0.07068158896720927},{"text":"With the agriculture, has been performing really well.","start":835.465,"end":838.10504,"sentiment":"positive","sentiment_score":0.3537394367158413},{"text":"Just wanna make a bit of a switch in there for you.","start":838.10504,"end":840.30005,"sentiment":"neutral","sentiment_score":0.28850874428947765},{"text":"So you've got about 2% through at the moment.","start":840.30005,"end":842.14,"sentiment":"neutral","sentiment_score":0.19483225875430638},{"text":"We're gonna buy some more and bring it up to 7%.","start":842.14,"end":844.72003,"sentiment":"neutral","sentiment_score":0.16535070132125507}],"sentiment":"neutral","sentiment_score":0.18238166690109267,"channel":0,"num_words":63,"start":829.54504,"end":844.72003},{"sentences":[{"text":"Again, that's more of a growth asset, has been performing quite nicely.","start":845.02,"end":848.32,"sentiment":"positive","sentiment_score":0.6072469552357992},{"text":"It has had a little bit of a down point over the past couple of years.","start":848.78,"end":851.58,"sentiment":"neutral","sentiment_score":0.022613913286477327},{"text":"It isn't a bad investment to to keep in your portfolio, so we're just gonna kind of bring it back up to waiting for you.","start":851.58,"end":858.05505,"sentiment":"neutral","sentiment_score":0.33174585193395617},{"text":"Gold, you've currently got 17% in there, and that is really well.","start":858.91504,"end":862.59503,"sentiment":"positive","sentiment_score":0.40736449758211773},{"text":"Gold has done gangbusters over the last twelve months.","start":862.59503,"end":865.17,"sentiment":"neutral","sentiment_score":0.09096340503957537}],"sentiment":"neutral","sentiment_score":0.29256049986626653,"channel":0,"num_words":74,"start":845.02,"end":865.17},{"sentences":[{"text":"We did see a pretty heavy dip this year in February, but it's recovered quite nicely from that one.","start":865.41,"end":870.47,"sentiment":"neutral","sentiment_score":0.09583232826308201},{"text":"You're a bit overweighted, and while it's good to have gold in your portfolio, you do risk that when you are overweight in certain asset classes, it does increase your risk levels for your portfolio.","start":870.85,"end":881.955,"sentiment":"neutral","sentiment_score":-0.23517951049974986},{"text":"So doing a rebalance is really important.","start":882.255,"end":884.435,"sentiment":"neutral","sentiment_score":0.08913153835705348},{"text":"So we're just gonna","start":884.495,"end":885.295,"sentiment":"neutral","sentiment_score":0.24821216240525246}],"sentiment":"neutral","sentiment_score":-0.07374921865188158,"channel":0,"num_words":65,"start":865.41,"end":885.295},{"sentences":[{"text":"Yep.","start":885.11,"end":885.61,"sentiment":"neutral","sentiment_score":0.17198270559310913}],"sentiment":"neutral","sentiment_score":0.17198270559310913,"channel":1,"num_words":1,"start":885.11,"end":885.61},{"sentences":[{"text":"rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you.","start":885.295,"end":894.035,"sentiment":"neutral","sentiment_score":0.2038825899362564},{"text":"Okay?","start":894.095,"end":894.595,"sentiment":"neutral","sentiment_score":0.06704513728618622}],"sentiment":"neutral","sentiment_score":0.19916405708625398,"channel":0,"num_words":29,"start":885.295,"end":894.595},{"sentences":[{"text":"Okay.","start":894.485,"end":894.885,"sentiment":"neutral","sentiment_score":0.06084863096475601},{"text":"This one.","start":894.885,"end":895.625,"sentiment":"neutral","sentiment_score":0.05181977339088917}],"sentiment":"neutral","sentiment_score":0.054829392582178116,"channel":1,"num_words":3,"start":894.485,"end":895.625},{"sentences":[{"text":"Yeah.","start":896.03,"end":896.53,"sentiment":"neutral","sentiment_score":0.03645903617143631},{"text":"With the cybersecurity, again, that has taken a little bit of a battering this year with what's been happening globally, but it is still a really good investment to have as everything goes online and with everything that's been happening over the past couple of years with the hacking scandals and whatnot, cybersecurity is still a very large area of issue.","start":896.83,"end":912.97504,"sentiment":"neutral","sentiment_score":0.042979503783290504},{"text":"And I think with what's happening between The US and and Iran at the moment, cybersecurity is gonna become very much more of a a prevalent area in the future as well.","start":913.435,"end":922.255,"sentiment":"neutral","sentiment_score":-0.05964719201438129},{"text":"So we're","start":922.26,"end":922.66003,"sentiment":"neutral","sentiment_score":0.048883384093642235}],"sentiment":"neutral","sentiment_score":0.008825681152908752,"channel":0,"num_words":96,"start":896.03,"end":922.66003},{"sentences":[{"text":"Yes.","start":922.60504,"end":923.10504,"sentiment":"neutral","sentiment_score":0.09905603528022766}],"sentiment":"neutral","sentiment_score":0.09905603528022766,"channel":1,"num_words":1,"start":922.60504,"end":923.10504},{"sentences":[{"text":"keeping that in there.","start":922.66003,"end":923.7,"sentiment":"neutral","sentiment_score":0.09878361597657204},{"text":"Your weighted is about 4.62 there at the moment, so we're just gonna increase the weighting there to 7%.","start":923.7,"end":930.28,"sentiment":"neutral","sentiment_score":0.09621836794050116},{"text":"Again, this is","start":930.58,"end":931.14,"sentiment":"neutral","sentiment_score":0.09147481868664424}],"sentiment":"neutral","sentiment_score":0.0960656888782978,"channel":0,"num_words":26,"start":922.66003,"end":931.14},{"sentences":[{"text":"Mhmm.","start":931.085,"end":931.44,"sentiment":"neutral","sentiment_score":0.08375407755374908}],"sentiment":"neutral","sentiment_score":0.08375407755374908,"channel":1,"num_words":1,"start":931.085,"end":931.44},{"sentences":[{"text":"more of a growth investment.","start":931.14,"end":932.36,"sentiment":"neutral","sentiment_score":0.06756117716431617},{"text":"And whilst it's down, and because we're distributing some of the gains and some of the other assets like gold, be able to buy into the current debt that cybersecurity's made.","start":932.42,"end":941.755,"sentiment":"neutral","sentiment_score":0.08102882316996975},{"text":"So we're taking advantage","start":941.755,"end":942.95496,"sentiment":"neutral","sentiment_score":0.12103081494569778}],"sentiment":"neutral","sentiment_score":0.08334556659683585,"channel":0,"num_words":40,"start":931.14,"end":942.95496},{"sentences":[{"text":"Yeah.","start":942.72003,"end":943.22003,"sentiment":"neutral","sentiment_score":0.1061103343963623}],"sentiment":"neutral","sentiment_score":0.1061103343963623,"channel":1,"num_words":1,"start":942.72003,"end":943.22003},{"sentences":[{"text":"of the downtime with that one, which is pretty cool as well.","start":942.95496,"end":946.015,"sentiment":"neutral","sentiment_score":0.046378289038936295}],"sentiment":"neutral","sentiment_score":0.046378289038936295,"channel":0,"num_words":12,"start":942.95496,"end":946.015},{"sentences":[{"text":"Yeah.","start":946.88,"end":947.235,"sentiment":"neutral","sentiment_score":0.041293665766716}],"sentiment":"neutral","sentiment_score":0.041293665766716,"channel":1,"num_words":1,"start":946.88,"end":947.235},{"sentences":[{"text":"With the S and P 500, you're currently a little bit overweighted there, so we're gonna sell a little bit that off and bring you back to a weighting of 2424%.","start":947.435,"end":955.66003,"sentiment":"neutral","sentiment_score":0.07465957069108563},{"text":"The same with the BetaShares a 200.","start":955.80005,"end":957.80005,"sentiment":"neutral","sentiment_score":0.07962620364768165},{"text":"The S and P 500 is an index.","start":957.80005,"end":959.9,"sentiment":"neutral","sentiment_score":0.07231034524738789},{"text":"And, essentially, with the iShares S and P 500, you're tracking the index there.","start":960.28,"end":964.77496,"sentiment":"neutral","sentiment_score":0.09419755072199873},{"text":"So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria.","start":964.77496,"end":972.15497,"sentiment":"neutral","sentiment_score":0.10730114923073696}],"sentiment":"neutral","sentiment_score":0.08789428452376363,"channel":0,"num_words":86,"start":947.435,"end":972.15497},{"sentences":[{"text":"But the same thing applies with the indices there.","start":972.69495,"end":975.27496,"sentiment":"neutral","sentiment_score":0.030125466485818226},{"text":"If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there.","start":975.57495,"end":981.75,"sentiment":"neutral","sentiment_score":-0.013979282392107922},{"text":"So you always invest in the top 500 companies.","start":981.75,"end":984.57,"sentiment":"neutral","sentiment_score":0.13582839320103327},{"text":"I know some","start":984.95,"end":985.59,"sentiment":"neutral","sentiment_score":0.09669286012649536}],"sentiment":"neutral","sentiment_score":0.03323045051233335,"channel":0,"num_words":44,"start":972.69495,"end":985.59},{"sentences":[{"text":"Yep.","start":985.46497,"end":985.96497,"sentiment":"neutral","sentiment_score":0.10188185423612596}],"sentiment":"neutral","sentiment_score":0.10188185423612596,"channel":1,"num_words":1,"start":985.46497,"end":985.96497},{"sentences":[{"text":"people have kind of brought up, you know, is it still good to be invested in The US is what's been happening at the moment, and it absolutely is.","start":985.59,"end":992.535,"sentiment":"neutral","sentiment_score":0.14298419448836097},{"text":"Whilst The US is, you know, at the forefront of this war with Iran, there's often conflicts of things that are happening.","start":993.175,"end":1000.15497,"sentiment":"neutral","sentiment_score":-0.13814218291504818},{"text":"But over the longer time, investing in The US does provide great greater returns.","start":1000.21497,"end":1004.875,"sentiment":"neutral","sentiment_score":0.330923072461571},{"text":"So it is definitely a place that you wanna be participating in the market with.","start":1005.44995,"end":1009.14996,"sentiment":"positive","sentiment_score":0.4807234446207682},{"text":"Okay?","start":1009.20996,"end":1009.70996,"sentiment":"neutral","sentiment_score":0.17961104214191437}],"sentiment":"neutral","sentiment_score":0.16210863385119556,"channel":0,"num_words":81,"start":985.59,"end":1009.70996},{"sentences":[{"text":"Yes.","start":1009.925,"end":1010.325,"sentiment":"neutral","sentiment_score":0.21399611234664917},{"text":"Yes.","start":1010.325,"end":1010.825,"sentiment":"neutral","sentiment_score":0.24899373948574063}],"sentiment":"neutral","sentiment_score":0.23149492591619492,"channel":1,"num_words":2,"start":1009.925,"end":1010.825},{"sentences":[{"text":"With the BetaShares Raffy 200, you still got that.","start":1011.76996,"end":1014.88995,"sentiment":"positive","sentiment_score":0.3762279682689243},{"text":"It is still a good investment there.","start":1014.88995,"end":1016.32996,"sentiment":"positive","sentiment_score":0.5999556950160435},{"text":"It's giving you access to some of the mid and lower cap companies on the ASX.","start":1016.32996,"end":1020.58997,"sentiment":"positive","sentiment_score":0.46143477223813534},{"text":"It's run about 200 companies in that in that criteria there.","start":1020.755,"end":1024.4551,"sentiment":"neutral","sentiment_score":0.3014934388074008},{"text":"It's just it's not overweighting you in Aussie equities in any way, shape, or form.","start":1024.755,"end":1028.195,"sentiment":"neutral","sentiment_score":0.2385506878296534}],"sentiment":"positive","sentiment_score":0.3769549324080862,"channel":0,"num_words":58,"start":1011.76996,"end":1028.195},{"sentences":[{"text":"It's just giving you exposure to other areas on the ASX, which is cool.","start":1028.195,"end":1031.975,"sentiment":"positive","sentiment_score":0.4443183200699942},{"text":"You're overweighted a bit with about 19% there, so we're just gonna bring that back to 15% for you.","start":1032.275,"end":1038.0,"sentiment":"neutral","sentiment_score":0.1514184431810128},{"text":"And then","start":1038.62,"end":1039.1,"sentiment":"neutral","sentiment_score":0.10038964450359344}],"sentiment":"neutral","sentiment_score":0.26566246258361,"channel":0,"num_words":35,"start":1028.195,"end":1039.1},{"sentences":[{"text":"Yep.","start":1038.895,"end":1039.395,"sentiment":"neutral","sentiment_score":0.10555338859558104}],"sentiment":"neutral","sentiment_score":0.10555338859558104,"channel":1,"num_words":1,"start":1038.895,"end":1039.395},{"sentences":[{"text":"I've explained we're getting rid of the ban along for you.","start":1039.1,"end":1041.5,"sentiment":"neutral","sentiment_score":0.12113615768876942},{"text":"No need to have any underperforming investments in your seat for that.","start":1041.5,"end":1044.96,"sentiment":"neutral","sentiment_score":0.018830013150970142},{"text":"And with the ClearBridge infrastructure income fund, so that one, there's more of an alternative.","start":1045.1,"end":1049.68,"sentiment":"neutral","sentiment_score":0.1407834182182948},{"text":"It's looking at infrastructure.","start":1049.74,"end":1050.96,"sentiment":"neutral","sentiment_score":0.09354567714035511},{"text":"It has been a bit up and down over the last few months.","start":1052.1951,"end":1054.915,"sentiment":"neutral","sentiment_score":0.038169604941056326}],"sentiment":"neutral","sentiment_score":0.08255630433559417,"channel":0,"num_words":55,"start":1039.1,"end":1054.915},{"sentences":[{"text":"It's currently performing quite nicely.","start":1054.915,"end":1056.595,"sentiment":"positive","sentiment_score":0.40359368920326233},{"text":"We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it.","start":1056.595,"end":1061.8151,"sentiment":"neutral","sentiment_score":0.19915198428290232},{"text":"Part of this is defensive as 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have.","start":1075.01,"end":1076.29,"sentiment":"positive","sentiment_score":0.5452436000108719},{"text":"I'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well.","start":1076.29,"end":1086.595,"sentiment":"neutral","sentiment_score":0.06624859910119664},{"text":"I do kinda","start":1086.895,"end":1087.5349,"sentiment":"neutral","sentiment_score":0.04354392675062021}],"sentiment":"neutral","sentiment_score":0.12300130611330998,"channel":0,"num_words":41,"start":1075.01,"end":1087.5349},{"sentences":[{"text":"Yeah.","start":1087.235,"end":1087.735,"sentiment":"neutral","sentiment_score":0.03902590647339821}],"sentiment":"neutral","sentiment_score":0.03902590647339821,"channel":1,"num_words":1,"start":1087.235,"end":1087.735},{"sentences":[{"text":"go through those fairly basically because not everyone's that interested in these investments.","start":1087.5349,"end":1091.7949,"sentiment":"neutral","sentiment_score":0.0027983062542401827},{"text":"But did you have any questions around the portfolio, the changes, any of those investment options at all?","start":1093.03,"end":1098.73,"sentiment":"neutral","sentiment_score":0.00744142846411301}],"sentiment":"neutral","sentiment_score":0.00549431269868247,"channel":0,"num_words":31,"start":1087.5349,"end":1098.73},{"sentences":[{"text":"No.","start":1100.02,"end":1100.26,"sentiment":"neutral","sentiment_score":-0.058879971504211426},{"text":"Not really.","start":1100.26,"end":1100.66,"sentiment":"neutral","sentiment_score":-0.08009356632828712},{"text":"I mean, I look at my things, like, not, like, often.","start":1100.66,"end":1106.2001,"sentiment":"neutral","sentiment_score":-0.07063335586677898},{"text":"I never","start":1106.74,"end":1107.22,"sentiment":"neutral","sentiment_score":-0.034158481284976006}],"sentiment":"neutral","sentiment_score":-0.06652193632908165,"channel":1,"num_words":16,"start":1100.02,"end":1107.22},{"sentences":[{"text":"Yeah.","start":1107.045,"end":1107.545,"sentiment":"neutral","sentiment_score":-0.02539590373635292}],"sentiment":"neutral","sentiment_score":-0.02539590373635292,"channel":0,"num_words":1,"start":1107.045,"end":1107.545},{"sentences":[{"text":"see it, like, go down a lot to give you any, like,","start":1107.22,"end":1109.9149,"sentiment":"neutral","sentiment_score":-0.04711015538002054}],"sentiment":"neutral","sentiment_score":-0.04711015538002054,"channel":1,"num_words":12,"start":1107.22,"end":1109.9149},{"sentences":[{"text":"Yeah.","start":1110.645,"end":1111.145,"sentiment":"neutral","sentiment_score":0.0018756035715341568}],"sentiment":"neutral","sentiment_score":0.0018756035715341568,"channel":0,"num_words":1,"start":1110.645,"end":1111.145},{"sentences":[{"text":"reservations.","start":1110.695,"end":1111.195,"sentiment":"neutral","sentiment_score":0.01784440316259861},{"text":"I'm pretty happy with it all.","start":1111.255,"end":1112.635,"sentiment":"positive","sentiment_score":0.4134536435206731}],"sentiment":"positive","sentiment_score":0.3569380377552339,"channel":1,"num_words":7,"start":1110.695,"end":1112.635},{"sentences":[{"text":"Oh, fantastic.","start":1112.805,"end":1113.785,"sentiment":"positive","sentiment_score":0.6277177631855011},{"text":"That's really good to hear.","start":1113.925,"end":1115.2051,"sentiment":"positive","sentiment_score":0.6965050816535949},{"text":"Excellent.","start":1115.2051,"end":1115.7051,"sentiment":"positive","sentiment_score":0.504638671875},{"text":"Underneath that table, you'll see there is the cash account there as well.","start":1116.7401,"end":1119.9401,"sentiment":"neutral","sentiment_score":0.15781827328296807},{"text":"So we do have to hold 1.25% cash.","start":1119.9401,"end":1122.42,"sentiment":"neutral","sentiment_score":0.08474551420658827}],"sentiment":"neutral","sentiment_score":0.2749034921670782,"channel":0,"num_words":29,"start":1112.805,"end":1122.42},{"sentences":[{"text":"It does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you.","start":1122.42,"end":1127.4601,"sentiment":"neutral","sentiment_score":0.1275103914996852},{"text":"Just making sure you just hold that 1,192.","start":1127.4601,"end":1130.8401,"sentiment":"neutral","sentiment_score":0.12680550571531057},{"text":"Just making","start":1131.105,"end":1131.585,"sentiment":"neutral","sentiment_score":0.08936905860900879}],"sentiment":"neutral","sentiment_score":0.1250279141646443,"channel":0,"num_words":33,"start":1122.42,"end":1131.585},{"sentences":[{"text":"Yes.","start":1131.53,"end":1132.03,"sentiment":"neutral","sentiment_score":0.1471494436264038}],"sentiment":"neutral","sentiment_score":0.1471494436264038,"channel":1,"num_words":1,"start":1131.53,"end":1132.03},{"sentences":[{"text":"sure it's limited amount of cash out because the rest of the money should be invested and growing for your future.","start":1131.585,"end":1136.485,"sentiment":"neutral","sentiment_score":0.23437036006223588},{"text":"Okay?","start":1136.945,"end":1137.445,"sentiment":"neutral","sentiment_score":0.07767623662948608}],"sentiment":"neutral","sentiment_score":0.22724789990620178,"channel":0,"num_words":22,"start":1131.585,"end":1137.445},{"sentences":[{"text":"Yes.","start":1137.225,"end":1137.725,"sentiment":"neutral","sentiment_score":0.19424507021903992}],"sentiment":"neutral","sentiment_score":0.19424507021903992,"channel":1,"num_words":1,"start":1137.225,"end":1137.725},{"sentences":[{"text":"Excellent.","start":1138.385,"end":1138.885,"sentiment":"positive","sentiment_score":0.4507846236228943},{"text":"To make it nice news, if you go down to page number 17 for me, this is a fee comparison table.","start":1139.985,"end":1146.0399,"sentiment":"neutral","sentiment_score":0.2319580642949967},{"text":"So one of the things we do look at is obviously the fees and and what it costs you to be invested because buying into investment ETFs and managed funds, you do pay fees for doing so.","start":1146.0399,"end":1155.58,"sentiment":"neutral","sentiment_score":0.09665376954787486},{"text":"With your current scenario, there it does show that with the investment fees at the fees at the moment, it's about $483.","start":1156.36,"end":1163.195,"sentiment":"neutral","sentiment_score":0.05739648030562834},{"text":"By taking","start":1163.735,"end":1164.375,"sentiment":"neutral","sentiment_score":0.09833036363124847}],"sentiment":"neutral","sentiment_score":0.12478887639850018,"channel":0,"num_words":83,"start":1138.385,"end":1164.375},{"sentences":[{"text":"Mhmm.","start":1163.9751,"end":1164.4751,"sentiment":"neutral","sentiment_score":0.1256843060255051}],"sentiment":"neutral","sentiment_score":0.1256843060255051,"channel":1,"num_words":1,"start":1163.9751,"end":1164.4751},{"sentences":[{"text":"on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees.","start":1164.375,"end":1171.4149,"sentiment":"neutral","sentiment_score":0.20632164281877605},{"text":"So it is a much cheaper portfolio.","start":1171.4149,"end":1173.0349,"sentiment":"neutral","sentiment_score":0.19997847718851908}],"sentiment":"neutral","sentiment_score":0.2047905338735416,"channel":0,"num_words":29,"start":1164.375,"end":1173.0349},{"sentences":[{"text":"Yep.","start":1173.97,"end":1174.47,"sentiment":"neutral","sentiment_score":0.19098173081874847}],"sentiment":"neutral","sentiment_score":0.19098173081874847,"channel":1,"num_words":1,"start":1173.97,"end":1174.47},{"sentences":[{"text":"And on the bottom there, you'll see it actually has performed greater as well.","start":1174.4099,"end":1177.61,"sentiment":"neutral","sentiment_score":0.22057485793318068},{"text":"So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%.","start":1177.61,"end":1190.395,"sentiment":"neutral","sentiment_score":0.1158562521591331},{"text":"So while, essentially, past performance is an indicator of what future future performance is, it it gives us an idea of what could what can be expected in good market conditions.","start":1190.775,"end":1200.855,"sentiment":"neutral","sentiment_score":0.13506446322125773},{"text":"So we can","start":1200.855,"end":1201.78,"sentiment":"neutral","sentiment_score":0.04953035960594813}],"sentiment":"neutral","sentiment_score":0.13885054038262662,"channel":0,"num_words":81,"start":1174.4099,"end":1201.78},{"sentences":[{"text":"Yes.","start":1201.6799,"end":1202.1799,"sentiment":"neutral","sentiment_score":0.053886279463768005}],"sentiment":"neutral","sentiment_score":0.053886279463768005,"channel":1,"num_words":1,"start":1201.6799,"end":1202.1799},{"sentences":[{"text":"kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen.","start":1201.78,"end":1207.9401,"sentiment":"neutral","sentiment_score":0.0020288754578517833},{"text":"And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years.","start":1207.9401,"end":1215.135,"sentiment":"neutral","sentiment_score":0.10296474474792679},{"text":"If the market stayed the same or if they did the same, this is the average of where it should or could expect to get.","start":1215.135,"end":1221.3151,"sentiment":"neutral","sentiment_score":0.0861581127345562},{"text":"So it kinda gives us an idea of what we can expect out of certain portfolios, keeping in mind that things like what's happening now, you can never expect is going to happen.","start":1221.535,"end":1230.89,"sentiment":"neutral","sentiment_score":0.07036391493271697},{"text":"So things can always throw spanners in the works, but you're young enough to withstand those market ups and downs.","start":1231.1101,"end":1236.5701,"sentiment":"neutral","sentiment_score":-0.086102394759655}],"sentiment":"neutral","sentiment_score":0.042173857003450395,"channel":0,"num_words":125,"start":1201.78,"end":1236.5701},{"sentences":[{"text":"So we just wanna make sure that we're, you know, making changes that we need to with the portfolio, rebalancing when we need to as well to keep your risk level in the right sort of range, but also","start":1236.7101,"end":1246.5149,"sentiment":"neutral","sentiment_score":0.08508052428563435}],"sentiment":"neutral","sentiment_score":0.08508052428563435,"channel":0,"num_words":39,"start":1236.7101,"end":1246.5149},{"sentences":[{"text":"Yep.","start":1246.345,"end":1246.845,"sentiment":"neutral","sentiment_score":0.10909613221883774}],"sentiment":"neutral","sentiment_score":0.10909613221883774,"channel":1,"num_words":1,"start":1246.345,"end":1246.845},{"sentences":[{"text":"making sure that you're, you know, not making any, you know, any decisions quickly or any emotional decisions and selling out of your portfolio when you don't need to as well.","start":1246.5149,"end":1256.0349,"sentiment":"neutral","sentiment_score":0.01853450952518371},{"text":"So it's always a little bit of juggling us, and that's why we make a lot of decisions based on all the information we have and make decisions based on your goals as well for you.","start":1256.0349,"end":1266.05,"sentiment":"neutral","sentiment_score":0.189457796410554},{"text":"Okay?","start":1266.11,"end":1266.61,"sentiment":"neutral","sentiment_score":0.17204269766807556},{"text":"Excellent.","start":1268.51,"end":1269.01,"sentiment":"positive","sentiment_score":0.5870579481124878},{"text":"I do like to make sure you're aware.","start":1269.47,"end":1271.15,"sentiment":"neutral","sentiment_score":0.24570287764072418}],"sentiment":"neutral","sentiment_score":0.13142563809048047,"channel":0,"num_words":77,"start":1246.5149,"end":1271.15},{"sentences":[{"text":"So up in the top hand corner of this table, you'll see it's at $22.","start":1271.15,"end":1275.8099,"sentiment":"neutral","sentiment_score":0.10234528928995132},{"text":"That's essentially the CGT.","start":1276.225,"end":1277.605,"sentiment":"neutral","sentiment_score":0.11383654363453388},{"text":"So just like you do your tax return every year, your super fund does one as well.","start":1277.825,"end":1282.085,"sentiment":"neutral","sentiment_score":0.20072940956143773},{"text":"And","start":1282.1449,"end":1282.465,"sentiment":"neutral","sentiment_score":0.14091449975967407}],"sentiment":"neutral","sentiment_score":0.1498335128700411,"channel":0,"num_words":37,"start":1271.15,"end":1282.465},{"sentences":[{"text":"Yep.","start":1282.375,"end":1282.71,"sentiment":"neutral","sentiment_score":0.17781144380569458}],"sentiment":"neutral","sentiment_score":0.17781144380569458,"channel":1,"num_words":1,"start":1282.375,"end":1282.71},{"sentences":[{"text":"so for making the changes that I went through above, we estimate that your super fund will pay $22 in CGT cost to make those switches for you.","start":1282.465,"end":1292.0801,"sentiment":"neutral","sentiment_score":0.2544030382164887},{"text":"So we've essentially been able to utilize essentially any of the losses that have been generated with the fund to try and offset as many of the gains as possible, which has left us with just this $22, which is a pretty good CDT considering the changes that we're making there.","start":1292.2201,"end":1308.285,"sentiment":"positive","sentiment_score":0.46709683888098774},{"text":"Yeah.","start":1310.505,"end":1311.005,"sentiment":"neutral","sentiment_score":0.15917770564556122},{"text":"Yeah.","start":1311.065,"end":1311.565,"sentiment":"neutral","sentiment_score":0.13114768266677856},{"text":"With the insurance premiums there, you'll note that they are going up a little bit.","start":1312.265,"end":1316.105,"sentiment":"neutral","sentiment_score":0.1141511054088672}],"sentiment":"positive","sentiment_score":0.3432064148170563,"channel":0,"num_words":96,"start":1282.465,"end":1316.105},{"sentences":[{"text":"So one of the things that we talked about when we did your annual review was that you wanted to look at increasing your income protection just to sort of see what that cost would be.","start":1316.105,"end":1323.68,"sentiment":"neutral","sentiment_score":0.01709105617677172}],"sentiment":"neutral","sentiment_score":0.01709105617677172,"channel":0,"num_words":36,"start":1316.105,"end":1323.68},{"sentences":[{"text":"Yep.","start":1324.0,"end":1324.5,"sentiment":"neutral","sentiment_score":0.006159549113363028}],"sentiment":"neutral","sentiment_score":0.006159549113363028,"channel":1,"num_words":1,"start":1324.0,"end":1324.5},{"sentences":[{"text":"You're an a little bit under underinsured with that one.","start":1324.38,"end":1328.14,"sentiment":"neutral","sentiment_score":-0.11661800295114517},{"text":"So I wanted to sort of make sure you had a a 70% of your income covered in the sense that you were off work due to illness or injury.","start":1328.14,"end":1334.755,"sentiment":"neutral","sentiment_score":0.014258066564798355},{"text":"So if you go down to page number 19 for me, I did have a really good look at all the options for insurances, just making sure that, you know, increasing with the same provider was the best way to go, and it absolutely is.","start":1335.4551,"end":1348.45,"sentiment":"neutral","sentiment_score":0.29548263880941605},{"text":"So we're looking to retain your life and TPD at the level that you have.","start":1348.45,"end":1352.0499,"sentiment":"positive","sentiment_score":0.3669121523698171},{"text":"You are happy and","start":1352.0499,"end":1352.9299,"sentiment":"positive","sentiment_score":0.5343336760997772}],"sentiment":"neutral","sentiment_score":0.19422401638271716,"channel":0,"num_words":104,"start":1324.38,"end":1352.9299},{"sentences":[{"text":"Mhmm.","start":1352.9199,"end":1353.4199,"sentiment":"positive","sentiment_score":0.4590778946876526}],"sentiment":"positive","sentiment_score":0.4590778946876526,"channel":1,"num_words":1,"start":1352.9199,"end":1353.4199},{"sentences":[{"text":"comfortable with the level that you have at the moment, and we'll make sure we review that moving forward with you as well.","start":1352.9299,"end":1358.865,"sentiment":"positive","sentiment_score":0.4035336673259735},{"text":"But with your income protection policy, at the moment, you're covered for some insured or a monthly benefit of 3,730 as a gross amount.","start":1359.425,"end":1367.365,"sentiment":"neutral","sentiment_score":0.044237531100710235},{"text":"So we're","start":1367.905,"end":1368.3049,"sentiment":"neutral","sentiment_score":0.04114924743771553}],"sentiment":"neutral","sentiment_score":0.21276068550591565,"channel":0,"num_words":49,"start":1352.9299,"end":1368.3049},{"sentences":[{"text":"Yes.","start":1368.215,"end":1368.715,"sentiment":"neutral","sentiment_score":0.10814321786165236}],"sentiment":"neutral","sentiment_score":0.10814321786165236,"channel":1,"num_words":1,"start":1368.215,"end":1368.715},{"sentences":[{"text":"gonna increase it up to the 70%, which means you're just increasing it to 4,666.","start":1368.3049,"end":1374.84,"sentiment":"neutral","sentiment_score":0.12430913945039114},{"text":"We're still keeping the waiting period at thirty days and still keeping the current benefit period of the age 65 benefit period.","start":1375.0,"end":1381.88,"sentiment":"neutral","sentiment_score":0.11850024725903165},{"text":"So no changes to anything else there.","start":1381.88,"end":1383.82,"sentiment":"neutral","sentiment_score":0.03421678074768612},{"text":"And it essentially shows that sorry, that the insurance premium just increases just slightly there.","start":1384.12,"end":1390.0599,"sentiment":"neutral","sentiment_score":0.05165720457832019},{"text":"So it goes from 1,077 and 17¢ to about $1,286.08.","start":1390.225,"end":1398.465,"sentiment":"neutral","sentiment_score":0.08437113960584004}],"sentiment":"neutral","sentiment_score":0.09184350473258425,"channel":0,"num_words":69,"start":1368.3049,"end":1398.465},{"sentences":[{"text":"It's about a $170 difference for the year to increase that benefit for you.","start":1398.465,"end":1403.205,"sentiment":"neutral","sentiment_score":0.09234210928635937}],"sentiment":"neutral","sentiment_score":0.09234210928635937,"channel":0,"num_words":14,"start":1398.465,"end":1403.205},{"sentences":[{"text":"Yeah.","start":1403.06,"end":1403.56,"sentiment":"neutral","sentiment_score":0.048278674483299255}],"sentiment":"neutral","sentiment_score":0.048278674483299255,"channel":1,"num_words":1,"start":1403.06,"end":1403.56},{"sentences":[{"text":"Okay?","start":1403.345,"end":1403.845,"sentiment":"neutral","sentiment_score":0.046222470700740814},{"text":"Yeah.","start":1404.28,"end":1404.78,"sentiment":"neutral","sentiment_score":0.08946020901203156},{"text":"I have chosen to increase it with Clearview and not look at another provider for the top up cover because, essentially, your current policy is the is the pro provider you have.","start":1405.8,"end":1415.88,"sentiment":"neutral","sentiment_score":0.1301649851957336},{"text":"It's fantastic.","start":1415.88,"end":1416.54,"sentiment":"positive","sentiment_score":0.6775543391704559},{"text":"They are a great provider.","start":1417.065,"end":1418.2649,"sentiment":"positive","sentiment_score":0.5859268426895141}],"sentiment":"neutral","sentiment_score":0.20940744140889586,"channel":0,"num_words":41,"start":1403.345,"end":1418.2649},{"sentences":[{"text":"We are retaining your life in CPD as it is.","start":1418.2649,"end":1420.845,"sentiment":"positive","sentiment_score":0.3664257973432541},{"text":"And just by increasing income protection, you'll still go through an in an increased application form.","start":1421.1449,"end":1426.445,"sentiment":"neutral","sentiment_score":0.139296090696007},{"text":"So new increased policy, but they'll only underwrite the increase.","start":1426.9049,"end":1430.35,"sentiment":"neutral","sentiment_score":0.05102206133306027},{"text":"So anything in your current existing policy stays as it is.","start":1430.35,"end":1434.13,"sentiment":"neutral","sentiment_score":0.08358516611836174},{"text":"And if there's","start":1434.19,"end":1434.83,"sentiment":"neutral","sentiment_score":0.019665821144978207}],"sentiment":"neutral","sentiment_score":0.14763300657272338,"channel":0,"num_words":50,"start":1418.2649,"end":1434.83},{"sentences":[{"text":"Yep.","start":1434.6901,"end":1435.1901,"sentiment":"neutral","sentiment_score":-0.008650158531963825}],"sentiment":"neutral","sentiment_score":-0.008650158531963825,"channel":1,"num_words":1,"start":1434.6901,"end":1435.1901},{"sentences":[{"text":"any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you.","start":1434.83,"end":1440.9099,"sentiment":"neutral","sentiment_score":-0.04189620322237412},{"text":"So","start":1440.9099,"end":1441.4099,"sentiment":"neutral","sentiment_score":0.0009460393339395524}],"sentiment":"neutral","sentiment_score":-0.040182513520121574,"channel":0,"num_words":25,"start":1434.83,"end":1441.4099},{"sentences":[{"text":"Yeah.","start":1441.5701,"end":1441.905,"sentiment":"neutral","sentiment_score":-0.003389023942872882}],"sentiment":"neutral","sentiment_score":-0.003389023942872882,"channel":1,"num_words":1,"start":1441.5701,"end":1441.905},{"sentences":[{"text":"keeping your current policy and increasing does work out a lot better for you and definitely in your best interest.","start":1441.87,"end":1447.705,"sentiment":"positive","sentiment_score":0.6277803495526314},{"text":"Okay.","start":1448.1649,"end":1448.6649,"sentiment":"positive","sentiment_score":0.4869874119758606},{"text":"All good.","start":1451.125,"end":1451.7849,"sentiment":"positive","sentiment_score":0.7081297039985657}],"sentiment":"positive","sentiment_score":0.6286458178706791,"channel":0,"num_words":23,"start":1441.87,"end":1451.7849},{"sentences":[{"text":"Beautiful.","start":1451.8251,"end":1452.3251,"sentiment":"positive","sentiment_score":0.6562626361846924}],"sentiment":"positive","sentiment_score":0.6562626361846924,"channel":1,"num_words":1,"start":1451.8251,"end":1452.3251},{"sentences":[{"text":"When we kinda went through things last time, yeah, there really didn't seem like there was gonna be any changes to it.","start":1452.005,"end":1457.445,"sentiment":"neutral","sentiment_score":0.09430312229828401},{"text":"There was nothing that kind of flagged as being anything different.","start":1457.445,"end":1460.6649,"sentiment":"neutral","sentiment_score":-0.03169882907108827},{"text":"But if you're happy to go ahead with those recommendations, then when you do go through the application with my admin team, after they go through things, they always flag anything with me so we can always stop and, you know, have a conversation before we happen to send it through to the insurer.","start":1461.12,"end":1475.54,"sentiment":"neutral","sentiment_score":0.19814590847602598},{"text":"But, yeah, I'll always check the application with my admin team once they've gone through that with you to just","start":1476.255,"end":1480.735,"sentiment":"neutral","sentiment_score":0.23798705898225309}],"sentiment":"neutral","sentiment_score":0.16061310101056767,"channel":0,"num_words":107,"start":1452.005,"end":1480.735},{"sentences":[{"text":"Yep.","start":1480.665,"end":1481.165,"sentiment":"neutral","sentiment_score":0.25683093070983887}],"sentiment":"neutral","sentiment_score":0.25683093070983887,"channel":1,"num_words":1,"start":1480.665,"end":1481.165},{"sentences":[{"text":"make sure that it's all okay before we send it off.","start":1480.735,"end":1483.135,"sentiment":"neutral","sentiment_score":0.17857437106696042},{"text":"Okay?","start":1483.135,"end":1483.635,"sentiment":"neutral","sentiment_score":0.08169427514076233}],"sentiment":"neutral","sentiment_score":0.17050102973977724,"channel":0,"num_words":12,"start":1480.735,"end":1483.635},{"sentences":[{"text":"Yep.","start":1483.785,"end":1484.285,"sentiment":"neutral","sentiment_score":0.1216599866747856}],"sentiment":"neutral","sentiment_score":0.1216599866747856,"channel":1,"num_words":1,"start":1483.785,"end":1484.285},{"sentences":[{"text":"All good.","start":1485.135,"end":1485.875,"sentiment":"positive","sentiment_score":0.3824428617954254},{"text":"I also have just made a recommendation here around your insurance.","start":1486.735,"end":1490.435,"sentiment":"neutral","sentiment_score":0.18193330548026346},{"text":"Sorry.","start":1491.0,"end":1491.3201,"sentiment":"neutral","sentiment_score":-0.013845354318618774},{"text":"Around your beneficiaries.","start":1491.3201,"end":1492.28,"sentiment":"neutral","sentiment_score":0.014277603477239609},{"text":"I do apologize for that.","start":1492.28,"end":1493.8201,"sentiment":"neutral","sentiment_score":-0.039445385336875916}],"sentiment":"neutral","sentiment_score":0.11808693696829406,"channel":0,"num_words":22,"start":1485.135,"end":1493.8201},{"sentences":[{"text":"Essentially, I just wanna make sure that your beneficiaries are up to date, making sure they are following your direction, and that if anything was to happen to you, essentially, the aim is that we want you to get to retirement, have a lovely super balance, and then enjoy your life.","start":1494.52,"end":1508.695,"sentiment":"positive","sentiment_score":0.3397129318293403},{"text":"You know?","start":1509.075,"end":1509.735,"sentiment":"neutral","sentiment_score":0.138973169028759}],"sentiment":"neutral","sentiment_score":0.33213784644063915,"channel":0,"num_words":53,"start":1494.52,"end":1509.735},{"sentences":[{"text":"Yep.","start":1509.375,"end":1509.875,"sentiment":"neutral","sentiment_score":0.20630209147930145}],"sentiment":"neutral","sentiment_score":0.20630209147930145,"channel":1,"num_words":1,"start":1509.375,"end":1509.875},{"sentences":[{"text":"Spend your money and enjoy it.","start":1509.955,"end":1511.6549,"sentiment":"positive","sentiment_score":0.36038805544376373},{"text":"When we sorta had a bit of a chat, you didn't really have anyone at the time that you wanted to kinda leave it to.","start":1511.955,"end":1517.12,"sentiment":"neutral","sentiment_score":0.07361941874027252},{"text":"So I'm making a recommendation that we make sure your beneficiary nominations are binding non lapsing.","start":1517.12,"end":1522.5,"sentiment":"neutral","sentiment_score":0.17127112206071615},{"text":"So it binds the trust fee to follow the direction, and non lapsing, you only have to fill these out once.","start":1522.64,"end":1528.245,"sentiment":"neutral","sentiment_score":0.18025167428311847},{"text":"Once they're filled","start":1528.485,"end":1529.285,"sentiment":"neutral","sentiment_score":0.20719610154628754}],"sentiment":"neutral","sentiment_score":0.1570426087144395,"channel":0,"num_words":71,"start":1509.955,"end":1529.285},{"sentences":[{"text":"Yep.","start":1529.095,"end":1529.595,"sentiment":"neutral","sentiment_score":0.20859158039093015}],"sentiment":"neutral","sentiment_score":0.20859158039093015,"channel":1,"num_words":1,"start":1529.095,"end":1529.595},{"sentences":[{"text":"out correctly and applied, you never have to fill these nominations out again unless you wanna change them.","start":1529.285,"end":1534.345,"sentiment":"neutral","sentiment_score":0.21365555789735582},{"text":"And we do it to your legal personal representative.","start":1535.205,"end":1537.705,"sentiment":"neutral","sentiment_score":0.15676563564274046},{"text":"That means that if anything happens to you, if you were to pass away prematurely, your super benefit and your life insurance benefit is paid to your estate, and then you just need to make sure a will is completed and set up.","start":1538.085,"end":1550.7301,"sentiment":"neutral","sentiment_score":0.18509408415750014},{"text":"That way, it can all be directed out to whoever you choose as per your will the directions inside your will, if that makes 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also made a recommendation here that you do establish your will and make sure of how attorney is also set up.","start":1561.855,"end":1567.44,"sentiment":"positive","sentiment_score":0.3556756187569011},{"text":"They are done by a qualified solicitor.","start":1567.5199,"end":1569.94,"sentiment":"neutral","sentiment_score":0.17795008420944214}],"sentiment":"neutral","sentiment_score":0.32491766405291855,"channel":0,"num_words":32,"start":1560.255,"end":1569.94},{"sentences":[{"text":"I'm not a solicitor.","start":1570.24,"end":1571.22,"sentiment":"neutral","sentiment_score":-0.0015359376557171336},{"text":"We can refer you through to one.","start":1572.08,"end":1573.6,"sentiment":"neutral","sentiment_score":0.08851354249886104},{"text":"I'm not sure if we sent the email last year for you.","start":1573.6,"end":1576.0798,"sentiment":"neutral","sentiment_score":0.08247566192100446},{"text":"I'm more than happy to do so 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know.","start":1785.105,"end":1787.765,"sentiment":"neutral","sentiment_score":0.15953704714775085}],"sentiment":"positive","sentiment_score":0.4281039811097659,"channel":0,"num_words":26,"start":1781.62,"end":1787.765},{"sentences":[{"text":"Once","start":1788.065,"end":1788.3049,"sentiment":"neutral","sentiment_score":0.039641156792640686}],"sentiment":"neutral","sentiment_score":0.039641156792640686,"channel":0,"num_words":1,"start":1788.065,"end":1788.3049},{"sentences":[{"text":"Will","start":1788.255,"end":1788.495,"sentiment":"neutral","sentiment_score":0.02603979781270027}],"sentiment":"neutral","sentiment_score":0.02603979781270027,"channel":1,"num_words":1,"start":1788.255,"end":1788.495},{"sentences":[{"text":"we get","start":1788.3049,"end":1788.705,"sentiment":"neutral","sentiment_score":0.06738218292593956}],"sentiment":"neutral","sentiment_score":0.06738218292593956,"channel":0,"num_words":2,"start":1788.3049,"end":1788.705},{"sentences":[{"text":"do.","start":1788.495,"end":1788.995,"sentiment":"neutral","sentiment_score":0.07662858068943024}],"sentiment":"neutral","sentiment_score":0.07662858068943024,"channel":1,"num_words":1,"start":1788.495,"end":1788.995},{"sentences":[{"text":"that one back, we'll implement the advice there for you, and I'll make sure we do a review soon to see how things are going and see what else we need to update for you.","start":1788.705,"end":1796.565,"sentiment":"neutral","sentiment_score":0.2136994012764522},{"text":"Okay?","start":1796.625,"end":1797.125,"sentiment":"neutral","sentiment_score":0.13487641513347626}],"sentiment":"neutral","sentiment_score":0.21150987388359177,"channel":0,"num_words":36,"start":1788.705,"end":1797.125},{"sentences":[{"text":"Okay.","start":1796.8401,"end":1797.2401,"sentiment":"neutral","sentiment_score":0.30814799666404724},{"text":"Sounds good.","start":1797.2401,"end":1797.8,"sentiment":"positive","sentiment_score":0.7099512815475464},{"text":"Thank you.","start":1797.8,"end":1798.4601,"sentiment":"positive","sentiment_score":0.7914750874042511}],"sentiment":"positive","sentiment_score":0.6622001469135285,"channel":1,"num_words":5,"start":1796.8401,"end":1798.4601},{"sentences":[{"text":"My pleasure.","start":1798.9209,"end":1799.5609,"sentiment":"positive","sentiment_score":0.8266392350196838},{"text":"Have a great weekend.","start":1799.5609,"end":1800.5209,"sentiment":"positive","sentiment_score":0.8014843016862869},{"text":"Thank you for your time.","start":1800.5209,"end":1801.8209,"sentiment":"positive","sentiment_score":0.7914902925491333}],"sentiment":"positive","sentiment_score":0.8015151945027438,"channel":0,"num_words":11,"start":1798.9209,"end":1801.8209},{"sentences":[{"text":"You too.","start":1801.7201,"end":1802.2001,"sentiment":"positive","sentiment_score":0.48190370202064514},{"text":"Thanks again.","start":1802.2001,"end":1803.02,"sentiment":"positive","sentiment_score":0.6635202169418335}],"sentiment":"positive","sentiment_score":0.5727119594812393,"channel":1,"num_words":4,"start":1801.7201,"end":1803.02},{"sentences":[{"text":"Thanks.","start":1803.5609,"end":1803.9609,"sentiment":"positive","sentiment_score":0.5817509889602661},{"text":"See you later.","start":1803.9609,"end":1804.6809,"sentiment":"positive","sentiment_score":0.4404779076576233}],"sentiment":"positive","sentiment_score":0.475796177983284,"channel":0,"num_words":4,"start":1803.5609,"end":1804.6809},{"sentences":[{"text":"Thank","start":1804.6001,"end":1804.8401,"sentiment":"positive","sentiment_score":0.4153235852718353}],"sentiment":"positive","sentiment_score":0.4153235852718353,"channel":1,"num_words":1,"start":1804.6001,"end":1804.8401},{"sentences":[{"text":"Bye.","start":1804.6809,"end":1805.1809,"sentiment":"positive","sentiment_score":0.3424362540245056}],"sentiment":"positive","sentiment_score":0.3424362540245056,"channel":0,"num_words":1,"start":1804.6809,"end":1805.1809},{"sentences":[{"text":"you.","start":1804.8401,"end":1805.3201,"sentiment":"neutral","sentiment_score":0.3146545886993408},{"text":"Bye.","start":1805.3201,"end":1805.64,"sentiment":"neutral","sentiment_score":0.18709349632263184},{"text":"Bye.","start":1805.64,"end":1806.14,"sentiment":"neutral","sentiment_score":-0.10660931468009947}],"sentiment":"neutral","sentiment_score":0.13171292344729105,"channel":1,"num_words":3,"start":1804.8401,"end":1806.14}]},"summary":{"result":"success","short":"A financial services representative from Okey Hello Financial discusses the customer's updated advice document with him and provides a quote for income protection. They emphasize the importance of updating the portfolio and scoping out trauma areas for the customer. The speaker provides updates on the customer's income and retirement goals, and mentions a promotion and new manager. They also discuss the customer's savings accounts and credit cards, and the importance of protecting assets and setting up insurance policies. The agent recommends setting up a will and power of attorney for the insurer and emphasizes the importance of protecting assets and updating the customer's portfolio."},"intents":{"segments":[{"text":"So I just need to confirm your full name, date of birth, and address that you have on file. Yes.","start_word":179,"end_word":198,"intents":[{"intent":"Confirm information","confidence_score":0.0398054}]},{"text":"We did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances, Yep.","start_word":321,"end_word":352,"intents":[{"intent":"Update advice","confidence_score":0.68558896}]},{"text":"Now just let me know when that email pops through there to you. Hopefully, it doesn't take too long.","start_word":416,"end_word":434,"intents":[{"intent":"Check email","confidence_score":0.0032058281}]},{"text":"request, Is that the one? K.","start_word":452,"end_word":457,"intents":[{"intent":"Sign request","confidence_score":0.010494159}]},{"text":"Let me get the quote the old quote one now. Is that the one you want to start with? No.","start_word":550,"end_word":569,"intents":[{"intent":"Get quote","confidence_score":0.33675167}]},{"text":"not everyone's as crazy as me as read PDF documents, but all the information is outlined here in the advice document, which you also get to go back and review later as well. Okay?","start_word":706,"end_word":739,"intents":[{"intent":"Review advice","confidence_score":0.00017150425}]},{"text":"Just wanna make sure I update all of your circumstances while we are going because things can definitely change from month to month.","start_word":1155,"end_word":1177,"intents":[{"intent":"Update circumstances","confidence_score":0.33957037}]},{"text":"When we do get any reviews every year, we'll keep touching base, and I'll keep asking you about those extra insurances to sort of see what your thoughts are. And if at any point outside of those times that you wanna discuss them, let me know. I'll make some time to touch base, and we can talk a bit more in-depth about them. Okay? Excellent.","start_word":1294,"end_word":1358,"intents":[{"intent":"Discuss insurances","confidence_score":0.21956119}]},{"text":"We are also scoping out for the areas around cash flow and budgeting.","start_word":1359,"end_word":1371,"intents":[{"intent":"Discuss cash flow","confidence_score":0.2956836}]},{"text":"So sometimes on the track, when you're ready, we obviously can't do the loan for you. We're not a credit providers. However, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through to. Those sorts of brokers don't get paid by the lenders that they do the loan for, so they don't cost you a cent.","start_word":1389,"end_word":1455,"intents":[{"intent":"Consider loan options","confidence_score":0.00045829877}]},{"text":"Page number seven is the information about you based on our last conversation. Has there been any changes? Would you like any of that to be kind of updated? Everything seems right.","start_word":1544,"end_word":1575,"intents":[{"intent":"Request information update","confidence_score":0.0010056375}]},{"text":"We wanted to make some changes to your portfolio there as well.","start_word":1897,"end_word":1908,"intents":[{"intent":"Make portfolio changes","confidence_score":0.06540988}]},{"text":"Other changes that we're looking to make there, we've got some bank hybrids. These are more of your defensive investments. So your weighting's a little bit low on that one at the moment.","start_word":2280,"end_word":2312,"intents":[{"intent":"Highlight diversification and benefits of investing with bank hybrids","confidence_score":1.0941242e-8}]},{"text":"So doing a rebalance is really important. So we're just gonna Yep. rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you. Okay? Okay.","start_word":2638,"end_word":2679,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.004951491}]},{"text":"So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria.","start_word":2921,"end_word":2946,"intents":[{"intent":"Provide access to top 500 companies","confidence_score":0.0031887225}]},{"text":"But the same thing applies with the indices there. If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there.","start_word":2946,"end_word":2977,"intents":[{"intent":"Track indices","confidence_score":0.052242033}]},{"text":"So it is definitely a place that you wanna be participating in the market with. Okay? Yes.","start_word":3056,"end_word":3072,"intents":[{"intent":"Participate in market","confidence_score":0.8832345}]},{"text":"We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it.","start_word":3228,"end_word":3248,"intents":[{"intent":"Reweight portfolio","confidence_score":0.004233805}]},{"text":"I'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well. I do kinda Yeah.","start_word":3295,"end_word":3331,"intents":[{"intent":"Reweight portfolio","confidence_score":0.68051344}]},{"text":"But did you have any questions around the portfolio, the changes, any of those investment options at all? No. Not really.","start_word":3344,"end_word":3364,"intents":[{"intent":"Provide portfolio information","confidence_score":0.046406668}]},{"text":"That's really good to hear. Excellent.","start_word":3401,"end_word":3406,"intents":[{"intent":"Provide comments","confidence_score":0.00008282332}]},{"text":"Underneath that table, you'll see there is the cash account there as well. So we do have to hold 1.25% cash. It does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you. Just making sure you just hold that 1,192. Just making Yes.","start_word":3407,"end_word":3461,"intents":[{"intent":"Share cash holding","confidence_score":0.009905184}]},{"text":"on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees. So it is a much cheaper portfolio. Yep.","start_word":3569,"end_word":3598,"intents":[{"intent":"Provide portfolio recommendations","confidence_score":0.0008825542}]},{"text":"And on the bottom there, you'll see it actually has performed greater as well. So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%.","start_word":3599,"end_word":3645,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.0431812}]},{"text":"kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen. And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years. If the market stayed the same or if they did the same, this is the average of where it should or could expect to get.","start_word":3681,"end_word":3752,"intents":[{"intent":"Examine portfolio performance","confidence_score":0.0017452848}]},{"text":"any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you. So Yeah.","start_word":4425,"end_word":4450,"intents":[{"intent":"Evaluate health insurance options","confidence_score":0.0000066164857}]},{"text":"keeping your current policy and increasing does work out a lot better for you and definitely in your best interest. Okay.","start_word":4452,"end_word":4472,"intents":[{"intent":"Recommend policy changes","confidence_score":0.095281675}]},{"text":"I've also made a recommendation here that you do establish your will and make sure of how attorney is also set up.","start_word":4846,"end_word":4867,"intents":[{"intent":"Verify will and power of attorney","confidence_score":0.00255565}]},{"text":"With that one there, I do have to let you know the remuneration side of things. So we do receive remuneration from the insurer for essentially, sorry, the remuneration from the insurer for setting up the insurances for you. We do receive 66% of the first year's premiums and then 22% there ongoing. Yes.","start_word":5067,"end_word":5120,"intents":[{"intent":"Inform about remuneration","confidence_score":0.002813558}]},{"text":"It's fairly easy and fairly straightforward, but do you have any questions for me in relation to any of that?","start_word":5262,"end_word":5281,"intents":[{"intent":"Discuss and answer questions","confidence_score":0.0012667525}]},{"text":"make sure that we follow that direction for you. Okay? Yeah.","start_word":5421,"end_word":5431,"intents":[{"intent":"Provide guidance","confidence_score":0.026265426}]}]},"sentiments":{"segments":[{"text":"Hello. Are you speaking? Hi, Andrew. It's Dana from Okey Hello? Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.09639285504817964},{"text":"Not bad. Thanks. How are you? I'm very well. Thank you.","start_word":16,"end_word":26,"sentiment":"positive","sentiment_score":0.5759336352348328},{"text":"I had you booked in this afternoon just to go through your updated advice document. Is now still a good time there for you? Can you give me just a couple of minutes? I'll just quickly Yeah. finish doing one thing, and then I'll I'll just pop you in a quick hold. Won't be a Yeah. second. That's absolutely fine. Not a problem at all. Hi. Sorry. Sorry for that. That's okay.","start_word":27,"end_word":98,"sentiment":"neutral","sentiment_score":0.1684095859527588},{"text":"You're absolutely fine.","start_word":99,"end_word":101,"sentiment":"positive","sentiment_score":0.4489211440086365},{"text":"It's not a problem at all. Is now still okay to run through the updated device? Yeah. Yes. Yeah. That's fine. Yeah.","start_word":102,"end_word":123,"sentiment":"neutral","sentiment_score":0.2009375691413879},{"text":"All good.","start_word":124,"end_word":125,"sentiment":"positive","sentiment_score":0.40726298093795776},{"text":"And before we jump into the call, I do have to let you know, we do record our calls for quality and training purposes. Are Mhmm. you happy for me to proceed with that? Yeah.","start_word":126,"end_word":160,"sentiment":"neutral","sentiment_score":0.09559018164873125},{"text":"That's Fantastic. And I'll do security there with you as well.","start_word":161,"end_word":171,"sentiment":"positive","sentiment_score":0.41676920652389526},{"text":"We are discussing your personal information. fine. So I just need to confirm your full name, date of birth, and address that you have on file. Yes. It's Andrew Newman. Date of Yep. birth is 1994. Yep. And address is 31 Ravensworth Lane, Gresham, Hills. Yep.","start_word":172,"end_word":217,"sentiment":"neutral","sentiment_score":0.06255389750003815},{"text":"Perfect. Thank you so much for that.","start_word":218,"end_word":224,"sentiment":"positive","sentiment_score":0.5787739157676697},{"text":"Now it sounds like you're still at work. Are you able to access your emails, or is now good not a good time to look at them? It's okay if you can't? That should be fine. I'll just put my AirPods in. Yeah. That's okay. All good. I'm pressing send on this one now. I'm just gonna send through the advice document through to you. If you can't, Yep. it's okay. I can run through the recommendations, and you're welcome to have a read of it later anyway. Just wanted to kinda go through things. We did the annual review last year, and we sort of wanted to update the advice as per, you know, what your goals are in relation to your income protection insurances, Yep. but we've also noticed this year with the changes in the market conditions that we also wanted to update your portfolio. So I've sort of held back a little bit and wanted to do everything as part of this advice document to show you, you know, what we need to maybe do moving forward to help you meet your goals there. Okay?","start_word":225,"end_word":413,"sentiment":"neutral","sentiment_score":0.06701338555289324},{"text":"Beautiful. Excellent.","start_word":414,"end_word":415,"sentiment":"positive","sentiment_score":0.6693564653396606},{"text":"Now just let me know when that email pops through there to you. Hopefully, it doesn't take too long. Is it There's the a one couple that this of attachments. the one that says signature Yep. request, Is that the one? K. That's the Because one. that's Yeah. Perfect. and then do I just click sign document? Oh, no. I see the You attachments do on the bottom. yeah. So don't put your signature in there. If you press the sign button, it allows you to go through so you can review the document. It allows you to go up and down. I don't ever want you to sign anything you haven't read, so just kinda Yep. go back through with that. Just let me know make sure it works okay for you. Yep. Let me get the quote the old quote one now. Is that the one you want to start with? No. So if you're just looking at at the the attachments there, one of them should say statement of advice. Oh, yes. That's it. Yeah. Yep. That's the one. Perfect. So that's the document that we're looking at here. All the other things are the attachments there. The quote is the increased quote that you for your income protection side of things, but it's all inside this document as well. We just attached the financial services guide, the appendix, the quotes, and all the PDF documents for you just to show you kind of all the research that we go through and to provide all the information around how and why we have made these recommendations there. Not everyone wants to read all of those. That's why they're all set Mhmm. there as attachments. I know Yep. not everyone's as crazy as me as read PDF documents, but all the information is outlined here in the advice document, which you also get to go back and review later as well. Okay? On the front of the advice document, it has prepared for yourself as of the 03/30/2026. I'm prepared by myself, Sandra Taylor. I'm an authorized representative under Oakview Financial, and I'm a registered financial adviser, and my license number is 1304394. As you scroll through the first couple of pages there, it does note that the advice is provided under the best interest duty. This is all legislated under the corporation's act to making sure that we understand enough about you, your personal and financial circumstances, and what your goals are, and that any advice that we do do provide is there to be in your best interest in working towards your goals. As a financial adviser, we do have a fiduciary duty. So if any of your interest clash with that of my employer, I work for you. So I make sure that I abide by and work in your best interest. Okay? Yes. Okay. Yep.","start_word":416,"end_word":896,"sentiment":"neutral","sentiment_score":0.050699077430423234},{"text":"Beautiful. I will let you go back and have a really good rate of all the document later.","start_word":897,"end_word":914,"sentiment":"positive","sentiment_score":0.5804140567779541},{"text":"So I'm kinda gonna skip through a few pages now. But just to Yep. kind of sort of outline for you, we are stopping in areas of superannuation here. You were hoping to be able to access super around '60 or '65. Essentially, you got a long time ago. You're still very young. Yep. So we are working towards those goals there. We had noted some of the investments in recent months have been underperforming, so we wanted to out update the portfolio to make sure that it's working in your best interest, that you're in the best investors possible, working harder for you, but also where we can save you some fees as well. Okay? And when we spoke last time, did your annual review, your income had increased to about 80,000 there. So your income was a bit your income protection policy did mean that you're a little bit underinsured there. So we were working on increasing that up to 70% to make sure you had the maximum benefit in the event that something was to happen. Since we did last catch up, has your income increased over and above that at all? Is that still fairly accurate?","start_word":915,"end_word":1114,"sentiment":"neutral","sentiment_score":0.07016192622482777},{"text":"It it would bug a little bit.","start_word":1115,"end_word":1121,"sentiment":"negative","sentiment_score":-0.4340703785419464},{"text":"Yes. Yeah. You're fine. So it's, like, year to date, I think, like, 75,000. So I would should be probably around that $8,080,000. Yeah. Yep.","start_word":1122,"end_word":1146,"sentiment":"neutral","sentiment_score":0.10549773275852203},{"text":"That's okay. No problem at all. That's fantastic.","start_word":1147,"end_word":1154,"sentiment":"positive","sentiment_score":0.5483935475349426},{"text":"Just wanna make sure I update all of your circumstances while we are going because things can definitely change from month to month. So if that ever does increase any further or if you find that you need to maybe look at increasing this a bit further, just let me know. We can always come back and reupdate Yeah. these Yes. for you. Okay? Yeah. That's the way.","start_word":1155,"end_word":1222,"sentiment":"neutral","sentiment_score":0.12203282117843628},{"text":"Excellent.","start_word":1223,"end_word":1223,"sentiment":"positive","sentiment_score":0.5354306101799011},{"text":"Now we have scoped our areas of trauma, so you don't have any trauma cover at the moment. We sort of went through how that's an out of pocket cost. You didn't wanna look at any insurances out of pocket at the moment. But if you decide down the track, you are welcome to let me know, and we can definitely assist you and have a further conversation around that. When we do get any reviews every year, we'll keep touching base, and I'll keep asking you about those extra insurances to sort of see what your thoughts are. And if at any point outside of those times that you wanna discuss them, let me know. I'll make some time to touch base, and we can talk a bit more in-depth about them. Okay?","start_word":1224,"end_word":1357,"sentiment":"neutral","sentiment_score":0.09818855673074722},{"text":"Excellent.","start_word":1358,"end_word":1358,"sentiment":"positive","sentiment_score":0.3853189945220947},{"text":"We are also scoping out for the areas around cash flow and budgeting. You did mention you're looking to buy a new car. Was this a thought at the time? So sometimes on the track, when you're ready, we obviously can't do the loan for you. We're not a credit providers. However, we do have people that can help with personal loans and mortgage brokers and lenders that we can refer you through to. Those sorts of brokers don't get paid by the lenders that they do the loan for, so they don't cost you a cent. And if you wanted to speak to one of them for a personal loan, we can absolutely put you forward with Yep. that. In areas of cash flow and budgeting as an adviser, I can do cash flow and budgeting advice, whereas maybe putting some money away to save up for a certain goal or investing for long term wealth outside of super as well. So there's other areas that we can look at down the track if you would like additional advice in those areas. Okay? Perfect. Page number seven is the information about you based on our last conversation. Has there been any changes? Would you like any of that to be kind of updated? Everything seems right. My job title now has, like, somewhat recently changed to store manager, but that's about Yep. That's okay. It's Not not, a like, problem at imminent all. yet, but as of right now, that's what my probably Perfect. Well, is.","start_word":1359,"end_word":1615,"sentiment":"neutral","sentiment_score":0.0977559058060906},{"text":"congratulations. That sounds fantastic.","start_word":1616,"end_word":1619,"sentiment":"positive","sentiment_score":0.6884511709213257},{"text":"I Okay. will I'll update that in the back end for you. So the good news is Yep. it doesn't have any effect on the advice I'm providing, but I'll make sure my records in the back end are correct.","start_word":1620,"end_word":1659,"sentiment":"neutral","sentiment_score":0.22195656597614288},{"text":"And congratulations on your promotion. That sounds fantastic. Thank you.","start_word":1660,"end_word":1669,"sentiment":"positive","sentiment_score":0.6463285088539124},{"text":"The next page is the assets and liabilities there. Just noting what we had on you. You've got some savings, your bills account, credit card, and your vehicle there. You've also got your credit card. I know some of those may have changed a little bit since we last spoke. These don't have any effect on the advice that we are providing, but is there any update to these that you would like me to make in the back end for you? It'd be my big savings account. Let me have a look at that one. That big savings account. Right, the 29,000 on Yep. your sheet is up to Yep. 33 Perfect. 512.","start_word":1670,"end_word":1783,"sentiment":"neutral","sentiment_score":0.05363566055893898},{"text":"Lovely. Thank you so much for that. I'll make sure I update that at the back end for you for our records as well. I appreciate you updating that information for me. Excellent.","start_word":1784,"end_word":1816,"sentiment":"positive","sentiment_score":0.5476779937744141},{"text":"I'll kinda just skip through a couple of pages at the moment. But to make it a bit easier, if you can scroll down for me just to page number 15, I'll start by going through around the superannuation.","start_word":1817,"end_word":1855,"sentiment":"neutral","sentiment_score":0.15695634828164026},{"text":"So I did go back and have a really good look at your superannuation as well as all the others out there just to kind of make sure that we understood where things were at.","start_word":1856,"end_word":1890,"sentiment":"positive","sentiment_score":0.5764567255973816},{"text":"And we haven't kind of mentioned. We wanted to make some changes to your portfolio there as well. So Yep. we had had a bit of a look back and had noted that you originally had some Benelon Australian equities in there, and it had been underperforming quite significantly with what's been happening globally as well as within Benelon as a whole. Yep. So we wanted to make sure that we update your portfolio. We don't ever want you to be in any underperforming investment set. Mhmm. So we are looking to move all of the Bennelong Australian equities. Now when you had that originally put in portfolio, Benelon's job as a managed fund was to outperform against the market. They haven't been able to do that, and they've had some issues with some of the underlying investments over the past few months there as well. So we're gonna give them a flick out of your portfolio and replace that Yep. with the BetaShares a 200. Essentially, with the BetaShares a 200, it's still giving you access to Australian equities, which is the same as what Benelon was giving you access to. The main difference Yep. is that the BetaShares a 200 is not an actively managed fund. It's an ETF, and it's more passively managed. So instead of track the top 200 companies, essentially, in order to be one of the top 200 companies, you have to meet a certain criteria. And if you're not in that criteria, you are deducted out, so it does track an indices essentially. Okay. Yes. If if the top one of the top 200 companies doesn't meet the criteria to be in that industries, they are removed out and something is put in its place. So it is giving you a lot more diversification. Then along Australian equities is also in the investing in around about 20 to 25 to 30 at the best of times.","start_word":1891,"end_word":2213,"sentiment":"neutral","sentiment_score":0.016465967524675624},{"text":"Different Australian equities since it's giving you a lot more diversification in your portfolio as well by having the top 200 companies there. And it's also Yep. a bit cheaper, the fact that it's passively managed instead of an actively managed managed fund is actually a little bit cheaper for your portfolio, so it saves you a little money as well, which is really important.","start_word":2214,"end_word":2278,"sentiment":"positive","sentiment_score":0.49737024307250977},{"text":"Yeah. Other changes that we're looking to make there, we've got some bank hybrids. These are more of your defensive investments. So your weighting's a little bit low on that one at the moment. Defensive investments are there in your portfolio to help with diversification. We always wanna have a a I'm not sure if you remember our conversation, but you always wanna have a mix growth investments, the higher risk investments that are designed to get greater growth and greater potential returns, as well as some lower risk investments like cash bonds and fixed interest. The bank Yes. hybrids actually fall in that defensive category. They are sort of traded a bit like shares, but they are more cash producing. It's essentially putting money into debt and then getting a coupon payment or an income payment out on a regular basis, and they tend to pay these in a monthly basis, which is the cool for your portfolio. It helps with compounding. So you're a little Yep. bit underweighted there at the moment, so we're gonna buy a little bit more of that and bring your weighting up to 12%.","start_word":2279,"end_word":2469,"sentiment":"neutral","sentiment_score":0.17304794490337372},{"text":"With the agriculture, has been performing really well.","start_word":2470,"end_word":2477,"sentiment":"positive","sentiment_score":0.34769701957702637},{"text":"Just wanna make a bit of a switch in there for you. So you've got about 2% through at the moment. We're gonna buy some more and bring it up to 7%.","start_word":2478,"end_word":2509,"sentiment":"neutral","sentiment_score":0.22362034022808075},{"text":"Again, that's more of a growth asset, has been performing quite nicely.","start_word":2510,"end_word":2521,"sentiment":"positive","sentiment_score":0.5932596325874329},{"text":"It has had a little bit of a down point over the past couple of years.","start_word":2522,"end_word":2537,"sentiment":"neutral","sentiment_score":0.015481152571737766},{"text":"It isn't a bad investment to to keep in your portfolio, so we're just gonna kind of bring it back up to waiting for you. Gold, you've currently got 17% in there, and that is really well.","start_word":2538,"end_word":2574,"sentiment":"positive","sentiment_score":0.3553703693119255},{"text":"Gold has done gangbusters over the last twelve months. We did see a pretty heavy dip this year in February, but it's recovered quite nicely from that one. You're a bit overweighted, and while it's good to have gold in your portfolio, you do risk that when you are overweight in certain asset classes, it does increase your risk levels for your portfolio. So doing a rebalance is really important. So we're just gonna Yep. rebalance it back to 10%, sell off some of the gold, and then distribute the the profit between some of your other investments there as well for you. Okay? Okay. This one. Yeah. With the cybersecurity, again, that has taken a little bit of a battering this year with what's been happening globally, but it is still a really good investment to have as everything goes online and with everything that's been happening over the past couple of years with the hacking scandals and whatnot, cybersecurity is still a very large area of issue. And I think with what's happening between The US and and Iran at the moment, cybersecurity is gonna become very much more of a a prevalent area in the future as well. So we're Yes. keeping that in there. Your weighted is about 4.62 there at the moment, so we're just gonna increase the weighting there to 7%. Again, this is Mhmm. more of a growth investment. And whilst it's down, and because we're distributing some of the gains and some of the other assets like gold, be able to buy into the current debt that cybersecurity's made. So we're taking advantage Yeah. of the downtime with that one, which is pretty cool as well. Yeah. With the S and P 500, you're currently a little bit overweighted there, so we're gonna sell a little bit that off and bring you back to a weighting of 2424%. The same with the BetaShares a 200. The S and P 500 is an index. And, essentially, with the iShares S and P 500, you're tracking the index there. So giving you access to the top 500 companies in The US can be up to 520 depending on who is next who meets the criteria. But the same thing applies with the indices there. If a company doesn't to be within the index, then it's removed from any of the investments that are tracking that index there. So you always invest in the top 500 companies. I know some Yep. people have kind of brought up, you know, is it still good to be invested in The US is what's been happening at the moment, and it absolutely is. Whilst The US is, you know, at the forefront of this war with Iran, there's often conflicts of things that are happening. But over the longer time, investing in The US does provide great greater returns.","start_word":2575,"end_word":3055,"sentiment":"neutral","sentiment_score":0.04949894525002293},{"text":"So it is definitely a place that you wanna be participating in the market with.","start_word":3056,"end_word":3070,"sentiment":"positive","sentiment_score":0.4743399620056152},{"text":"Okay? Yes. Yes.","start_word":3071,"end_word":3073,"sentiment":"neutral","sentiment_score":0.2142003029584885},{"text":"With the BetaShares Raffy 200, you still got that. It is still a good investment there. It's giving you access to some of the mid and lower cap companies on the ASX.","start_word":3074,"end_word":3105,"sentiment":"positive","sentiment_score":0.4675439298152923},{"text":"It's run about 200 companies in that in that criteria there. It's just it's not overweighting you in Aussie equities in any way, shape, or form.","start_word":3106,"end_word":3131,"sentiment":"neutral","sentiment_score":0.2591997981071472},{"text":"It's just giving you exposure to other areas on the ASX, which is cool.","start_word":3132,"end_word":3145,"sentiment":"positive","sentiment_score":0.4322468638420105},{"text":"You're overweighted a bit with about 19% there, so we're just gonna bring that back to 15% for you. And then Yep. I've explained we're getting rid of the ban along for you. No need to have any underperforming investments in your seat for that. And with the ClearBridge infrastructure income fund, so that one, there's more of an alternative. It's looking at infrastructure. It has been a bit up and down over the last few months.","start_word":3146,"end_word":3222,"sentiment":"neutral","sentiment_score":0.1110800877213478},{"text":"It's currently performing quite nicely.","start_word":3223,"end_word":3227,"sentiment":"positive","sentiment_score":0.3875223398208618},{"text":"We're gonna keep that in your portfolio and just kinda reweight it a little bit, add a bit more into it. Part of this is defensive as well. So part of this infrastructure fund works defensively, and other parts of it work as alternatives in alternatives because it's, like, property and infrastructure and things like that.","start_word":3228,"end_word":3283,"sentiment":"neutral","sentiment_score":0.22331741452217105},{"text":"So it is a Yeah. really good investment to have.","start_word":3284,"end_word":3293,"sentiment":"positive","sentiment_score":0.5162715911865234},{"text":"I'm just reweighting that one for you, and then just making sure you've got 15% of the beta shares, a 200 to remove you know, to replace spend along for you as well. I do kinda Yeah. go through those fairly basically because not everyone's that interested in these investments. But did you have any questions around the portfolio, the changes, any of those investment options at all? No. Not really. I mean, I look at my things, like, not, like, often. I never Yeah. see it, like, go down a lot to give you any, like, Yeah. reservations.","start_word":3294,"end_word":3392,"sentiment":"neutral","sentiment_score":0.007332829758524895},{"text":"I'm pretty happy with it all. Oh, fantastic. That's really good to hear. Excellent.","start_word":3393,"end_word":3406,"sentiment":"positive","sentiment_score":0.54403156042099},{"text":"Underneath that table, you'll see there is the cash account there as well. So we do have to hold 1.25% cash. It does show that currently, you hold a little bit too much cash there, so we'll reinvest some of that money for you. Just making sure you just hold that 1,192. Just making Yes. sure it's limited amount of cash out because the rest of the money should be invested and growing for your future. Okay? Yes.","start_word":3407,"end_word":3484,"sentiment":"neutral","sentiment_score":0.15513403713703156},{"text":"Excellent.","start_word":3485,"end_word":3485,"sentiment":"positive","sentiment_score":0.4507846236228943},{"text":"To make it nice news, if you go down to page number 17 for me, this is a fee comparison table. So one of the things we do look at is obviously the fees and and what it costs you to be invested because buying into investment ETFs and managed funds, you do pay fees for doing so. With your current scenario, there it does show that with the investment fees at the fees at the moment, it's about $483. By taking Mhmm. on the recommendations and altering your portfolio a bit, we can actually save you a $150 for the year on investment fees. So it is a much cheaper portfolio. Yep. And on the bottom there, you'll see it actually has performed greater as well. So by making those couple of switches and rebalancing there, the current portfolio has averaged about 14.2% over the past three years there, whereas the newer portfolio with those changes has averaged 16.3%. So while, essentially, past performance is an indicator of what future future performance is, it it gives us an idea of what could what can be expected in good market conditions. So we can Yes. kinda look at over the last three years what ups and downs the market has gone through, you know, what it has seen. And if the portfolio has still come out with an average return of 14.2%, then you can kind of expect over the few years. If the market stayed the same or if they did the same, this is the average of where it should or could expect to get. So it kinda gives us an idea of what we can expect out of certain portfolios, keeping in mind that things like what's happening now, you can never expect is going to happen. So things can always throw spanners in the works, but you're young enough to withstand those market ups and downs. So we just wanna make sure that we're, you know, making changes that we need to with the portfolio, rebalancing when we need to as well to keep your risk level in the right sort of range, but also Yep. making sure that you're, you know, not making any, you know, any decisions quickly or any emotional decisions and selling out of your portfolio when you don't need to as well. So it's always a little bit of juggling us, and that's why we make a lot of decisions based on all the information we have and make decisions based on your goals as well for you. Okay?","start_word":3486,"end_word":3913,"sentiment":"neutral","sentiment_score":0.10105549559763102},{"text":"Excellent.","start_word":3914,"end_word":3914,"sentiment":"positive","sentiment_score":0.5870579481124878},{"text":"I do like to make sure you're aware. So up in the top hand corner of this table, you'll see it's at $22. That's essentially the CGT. So just like you do your tax return every year, your super fund does one as well. And Yep. so for making the changes that I went through above, we estimate that your super fund will pay $22 in CGT cost to make those switches for you.","start_word":3915,"end_word":3988,"sentiment":"neutral","sentiment_score":0.18853023648262024},{"text":"So we've essentially been able to utilize essentially any of the losses that have been generated with the fund to try and offset as many of the gains as possible, which has left us with just this $22, which is a pretty good CDT considering the changes that we're making there.","start_word":3989,"end_word":4039,"sentiment":"positive","sentiment_score":0.4749512672424317},{"text":"Yeah. Yeah. With the insurance premiums there, you'll note that they are going up a little bit. So one of the things that we talked about when we did your annual review was that you wanted to look at increasing your income protection just to sort of see what that cost would be. Yep. You're an a little bit under underinsured with that one. So I wanted to sort of make sure you had a a 70% of your income covered in the sense that you were off work due to illness or injury. So if you go down to page number 19 for me, I did have a really good look at all the options for insurances, just making sure that, you know, increasing with the same provider was the best way to go, and it absolutely is.","start_word":4040,"end_word":4178,"sentiment":"neutral","sentiment_score":0.10601015410406128},{"text":"So we're looking to retain your life and TPD at the level that you have. You are happy and Mhmm. comfortable with the level that you have at the moment, and we'll make sure we review that moving forward with you as well.","start_word":4179,"end_word":4221,"sentiment":"positive","sentiment_score":0.40023037791252136},{"text":"But with your income protection policy, at the moment, you're covered for some insured or a monthly benefit of 3,730 as a gross amount. So we're Yes. gonna increase it up to the 70%, which means you're just increasing it to 4,666. We're still keeping the waiting period at thirty days and still keeping the current benefit period of the age 65 benefit period. So no changes to anything else there. And it essentially shows that sorry, that the insurance premium just increases just slightly there. So it goes from 1,077 and 17<unk> to about $1,286.08. It's about a $170 difference for the year to increase that benefit for you. Yeah. Okay? Yeah. I have chosen to increase it with Clearview and not look at another provider for the top up cover because, essentially, your current policy is the is the pro provider you have.","start_word":4222,"end_word":4367,"sentiment":"neutral","sentiment_score":0.08988835662603378},{"text":"It's fantastic. They are a great provider. We are retaining your life in CPD as it is.","start_word":4368,"end_word":4384,"sentiment":"positive","sentiment_score":0.4842499196529389},{"text":"And just by increasing income protection, you'll still go through an in an increased application form. So new increased policy, but they'll only underwrite the increase. So anything in your current existing policy stays as it is. And if there's Yep. any changes to your health that results in any loadings or exclusions, they only get applied to the increase of the policy for you. So Yeah.","start_word":4385,"end_word":4451,"sentiment":"neutral","sentiment_score":0.03720560669898987},{"text":"keeping your current policy and increasing does work out a lot better for you and definitely in your best interest. Okay. All good. Beautiful.","start_word":4451,"end_word":4474,"sentiment":"positive","sentiment_score":0.6252350211143494},{"text":"When we kinda went through things last time, yeah, there really didn't seem like there was gonna be any changes to it. There was nothing that kind of flagged as being anything different. But if you're happy to go ahead with those recommendations, then when you do go through the application with my admin team, after they go through things, they always flag anything with me so we can always stop and, you know, have a conversation before we happen to send it through to the insurer. But, yeah, I'll always check the application with my admin team once they've gone through that with you to just Yep. make sure that it's all okay before we send it off. Okay? Yep.","start_word":4475,"end_word":4595,"sentiment":"neutral","sentiment_score":0.1598225086927414},{"text":"All good.","start_word":4596,"end_word":4597,"sentiment":"positive","sentiment_score":0.371911346912384},{"text":"I also have just made a recommendation here around your insurance. Sorry. Around your beneficiaries. I do apologize for that. Essentially, I just wanna make sure that your beneficiaries are up to date, making sure they are following your direction, and that if anything was to happen to you, essentially, the aim is that we want you to get to retirement, have a lovely super balance, and then enjoy your life. You know? Yep.","start_word":4598,"end_word":4671,"sentiment":"neutral","sentiment_score":0.2580662965774536},{"text":"Spend your money and enjoy it.","start_word":4672,"end_word":4677,"sentiment":"positive","sentiment_score":0.3643561601638794},{"text":"When we sorta had a bit of a chat, you didn't really have anyone at the time that you wanted to kinda leave it to. So I'm making a recommendation that we make sure your beneficiary nominations are binding non lapsing. So it binds the trust fee to follow the direction, and non lapsing, you only have to fill these out once. Once they're filled Yep. out correctly and applied, you never have to fill these nominations out again unless you wanna change them. And we do it to your legal personal representative. That means that if anything happens to you, if you were to pass away prematurely, your super benefit and your life insurance benefit is paid to your estate, and then you just need to make sure a will is completed and set up. That way, it can all be directed out to whoever you choose as per your will the directions inside your will, if that makes sense. Okay. Yeah. Yes. Yeah. Yep.","start_word":4678,"end_word":4843,"sentiment":"neutral","sentiment_score":0.17513737082481384},{"text":"Yep. Beautiful. I've also made a recommendation here that you do establish your will and make sure of how attorney is also set up.","start_word":4844,"end_word":4867,"sentiment":"positive","sentiment_score":0.4044607877731323},{"text":"They are done by a qualified solicitor. I'm not a solicitor. We can refer you through to one. I'm not sure if we sent the email last year for you.","start_word":4868,"end_word":4897,"sentiment":"neutral","sentiment_score":0.0903940424323082},{"text":"I'm more than happy to do so again. But we can definitely refer you through to a local solicitor here on the Gold Coast.","start_word":4898,"end_word":4921,"sentiment":"positive","sentiment_score":0.4702341854572296},{"text":"They do things by email, phone as well. We can just send you some information on them and a bit of a cost on how much they charge to set up a will and power of attorney. But doing those Yes.","start_word":4922,"end_word":4962,"sentiment":"neutral","sentiment_score":0.14576749503612518},{"text":"sorts of things is really important for protecting all of your assets.","start_word":4963,"end_word":4974,"sentiment":"positive","sentiment_score":0.3656121790409088},{"text":"You've worked really hard. And, well, sometimes when we're young and don't think we have a lot, realistically, when you look around, what you've been able to accumulate is still really important.","start_word":4975,"end_word":5006,"sentiment":"neutral","sentiment_score":0.15813671052455902},{"text":"And having a super and your life proceeds lumped in with that together does mean that your estate ends up being valued pretty high, essentially.","start_word":5007,"end_word":5031,"sentiment":"positive","sentiment_score":0.33741194009780884},{"text":"So all of that can be worth quite quite a significant sum down the track.","start_word":5032,"end_word":5046,"sentiment":"neutral","sentiment_score":0.32472750544548035},{"text":"So it's really important they are kind of all looked after and protected for you.","start_word":5047,"end_word":5061,"sentiment":"positive","sentiment_score":0.3741861283779144},{"text":"Okay. Yes. Yep.","start_word":5062,"end_word":5064,"sentiment":"neutral","sentiment_score":0.26225706934928894},{"text":"All good.","start_word":5065,"end_word":5066,"sentiment":"positive","sentiment_score":0.5040175914764404},{"text":"With that one there, I do have to let you know the remuneration side of things. So we do receive remuneration from the insurer for essentially, sorry, the remuneration from the insurer for setting up the insurances for you. We do receive 66% of the first year's premiums and then 22% there ongoing. Yes. It is standard across the board, so it doesn't have any effect on my recommendations in any way, shape, or form. However, it's just really important that I make sure I'm being honest and open with you, and we disclose the remuneration on page 31 for you as well. Yes. Okay. For Yeah. the advice yeah. For the advice being provided, there's no upfront implementation fees in any way, shape, or form. If you're an ongoing service client, you pay the ongoing service fee of 1.65%. So that means that we're working for you, and we're setting up everything and, you know, making sure that we're updating the advice to work towards your goals and making sure that we're working in your best interest and reviewing everything with you as well on a regular basis. Yep. Okay. Yep. Yeah.","start_word":5067,"end_word":5259,"sentiment":"neutral","sentiment_score":0.19901083100953867},{"text":"All good.","start_word":5260,"end_word":5261,"sentiment":"positive","sentiment_score":0.5032539367675781},{"text":"It's fairly easy and fairly straightforward, but do you have any questions for me in relation to any of that? No. Everything, like you said, is straightforward. Yep. I Yeah. need to understand here.","start_word":5262,"end_word":5295,"sentiment":"neutral","sentiment_score":0.24105718731880188},{"text":"Beautiful. Yeah. Excellent. So I'll let you take some time to go back and have a read through the document if you like.","start_word":5296,"end_word":5318,"sentiment":"positive","sentiment_score":0.37666893005371094},{"text":"If you do find you have any questions at any point, please do let me know. Yep. Once you're happy to take ahead the recommendations, if you wanna take all of them on board, I'll get you to sign and return the document back to me. If Yep. you any if there's any part of the recommendations you do not wish to take on board, on the back page, we do have a little text box. You just write what what you're not wanting to take, what part of the recommendations you don't wish to proceed with, and we can always Okay. make sure that we follow that direction for you. Okay? Yeah. Yeah. K. All good. It's often quite a bit in there. I always outline the advantages, disadvantages, and the risks involved. I tend to go through some of those with regards to going through the document for you, but we outline all of that there. So you're welcome to take some time, go back, and have a bit of a read through any of those. And, look, Andrew, Yep. if there's any questions at all, doesn't matter what it is, you let me know.","start_word":5319,"end_word":5515,"sentiment":"neutral","sentiment_score":0.10041801631450652},{"text":"I'm more than happy to answer them for you.","start_word":5516,"end_word":5524,"sentiment":"positive","sentiment_score":0.44447797536849976},{"text":"Okay? Will do.","start_word":5525,"end_word":5527,"sentiment":"neutral","sentiment_score":0.19870278239250183},{"text":"Thank you very much. My pleasure. I will let you go. I thank you for your time today. I hope you have a lovely afternoon, and, hopefully, you have a lovely, warm weekend.","start_word":5528,"end_word":5560,"sentiment":"positive","sentiment_score":0.5486432909965515},{"text":"Oh, I do. I do.","start_word":5561,"end_word":5565,"sentiment":"neutral","sentiment_score":0.1913209557533264},{"text":"I have tomorrow, so pretty good.","start_word":5566,"end_word":5571,"sentiment":"positive","sentiment_score":0.3404742181301117},{"text":"me too.","start_word":5572,"end_word":5573,"sentiment":"neutral","sentiment_score":0.23867003619670868},{"text":"That's fantastic.","start_word":5574,"end_word":5575,"sentiment":"positive","sentiment_score":0.5356976985931396},{"text":"A nice long Yeah. weekend. Yep.","start_word":5576,"end_word":5581,"sentiment":"neutral","sentiment_score":0.29770807425181073},{"text":"It's Fantastic. very good. Excellent. Excellent. Well, thank you so much for your time. I will let go.","start_word":5582,"end_word":5599,"sentiment":"positive","sentiment_score":0.7217052578926086},{"text":"If there's anything you need in the meantime, please let me know. Once Will we get do. that one back, we'll implement the advice there for you, and I'll make sure we do a review soon to see how things are going and see what else we need to update for you. Okay? Okay.","start_word":5600,"end_word":5653,"sentiment":"neutral","sentiment_score":0.1883426308631897},{"text":"Sounds good. Thank you. My pleasure. Have a great weekend. Thank you for your time. You too. Thanks again. Thanks. See you later. Thank Bye.","start_word":5654,"end_word":5678,"sentiment":"positive","sentiment_score":0.6568878293037415},{"text":"you. Bye. Bye.","start_word":5679,"end_word":5681,"sentiment":"neutral","sentiment_score":0.20802313089370728}],"average":{"sentiment":"neutral","sentiment_score":0.15197003424591474}}}}