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Is now still a good time just to run through things and start a bit earlier for you, buddy? Fantastic. That's okay. Is Scott there with you as well? Hey, Scott. How are you? How's your day been? Oh, that's excellent. So I'm just gonna send through the DocuSign there through to you. Before I do jump into the call, I just have to let you both know our calls are recorded for training and quality purposes. Are you both happy for me to proceed with that? Fantastic. And I just need to do security with you, if I could. If I can get you both to say your name and and date of birth and just one of you to provide an address, that would be absolutely perfect if possible. Yep. Beautiful. Beautiful. Thank you so much for that. Now you're gonna receive a separate email as well. We had quite a few supporting documents, things like PDFs for the recommended products, and they just didn't all kind of fit in the original Odoo sign. So I'm sending a separate email to the both of you with those sort of supporting documents for you to be able to go through and have a read of, and, also, just sending to the the order signed for you with the actual advice document. Order is a little bit slow this afternoon, so hoping it comes through fairly quickly for you both there. Sorry. No. That's okay. Yeah. And just double check your junk mail as well. Sometimes I just get diverted to junk. Oh, yes. Oh, wow. Oh, you're right. Is he okay? Do you need to attend to him at all? Oh, that's all good. No. That's absolutely fine. If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice. You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you. It was just sent through a short time ago, so about none have come through yet. Oh, goodness. It is a big email. I'm not gonna lie. We normally put all of these additional documents in that OdoSign with everything, but it is quite a large email that I'm sending through. So it had to come through as two separate. Sorry about that. Mhmm. All good. And how did your holiday go? I know you both had a bit of a a holiday as well. How was that? Oh. Oh, fantastic. A bit of downtime. It's always nice, isn't it? Fantastic. I'm just refreshing my system because I can see that they're both being sent. There we go. Yeah. Told you it was big. Sorry. Yeah. No. That's okay. And this one, hopefully, shouldn't be too far behind it. This one has, again, quite a few documents in it as well. Here we go. I'm just resending this one as well because it might also just be that it hasn't quite sent through fully. So I'm just pressing the resend button there as well. Okay. Let's see if this works again for you. I'm just retyping in your email address just to make sure that we are sending everything correctly. Oh, that's good. Oh, that's really good. I love that. Here we go. Alright. So just double checking. I've got emails here as lisa.andrews11@bigpond.com and Scott .andrews11@bigatbigpond.com as well. Yep. Beautiful. I'm just gonna resend this one again. It's a pretty large document with a few things in it, so I'll press send on that again. Yep. That's the one. Beautiful. Not yet. So if you can, press on the button that does say sign once you've both received it. You should both get an invite to it. You'll press the button that says to sign it, but it just allows you to go forward so you can review each of the documents there. Beautiful. Now on those documents, there should be either a button that says next or an arrow so you can scroll through those documents. Yep. Beautiful. Excellent. So this is the statement of advice, it wouldn't let us shuffle the documents around because technology is having a bit of problem today. So if you sort of go through, it is the sixth document along out of the eight. So if you can just press the next button till you get to the document that says statement of advice there for me. Yeah. That's okay. Oh, okay. Very bizarre. Will it let you yep. So that one there is the last document. If you go back one document, does it have an arrow or button so you can scroll back at all? Yeah. That's that's all good. The statement of advice. Yeah. Oh, that's really bizarre. Can you see the can you see each of the documents by heading on the side of it at all? No. That's okay. There is that's okay. There's something else that we can do if you it's easier for you, actually. If you go back into my supporting documents email and go down to the attachments, I've actually attached the whole statement of advice in there for you. We can just open up that one and go through that one to make it easier, and then I can always resend this if it's if the Odoo isn't working properly because it has had a little bit of a bug today. It's been a bit slow and not really doing what I want it to. I can always resend it if you have any problems kinda going through and reading the documents. Yeah. Otherwise hopefully, it'll just need a second. It might load for you a bit later on. Yeah. Excellent. So on that one there you've got that one? Beautiful. So that one there is a statement of advice prepared for both of yourselves. So Lisa and Scott Andrews on the top there. We do date the document as of today's date for you just so all of our documents are valid for thirty days from the date on the front of the document. On the very bottom there, it has been prepared for by myself and my lovely team here at Oakview Financial, and my license number is noted on the bottom for you both there as well. Okay? As we kinda scroll through these next few pages, I will kinda skip a a few sections and skip pages here and there, but I'll let you go back and have a really good read of the document. It's just about making sure that I base on the areas that we need to touch on for you. And this is a fairly big document for you both there as well. Okay? The next phase has the best interest duty. So just outlining there, essentially, that we provide advice under the best interest duty, which is a part of the corporations act. Essentially, we may need to take reasonable steps to make sure we understand your goals, your objectives, and any advice provided does need to be there to meet your goals and within the best interest duty. The next page is a table of contents, and then the next couple of pages are outlining areas to which we are scoping in and or add advice. So you both had essentially goals with superannuation of reviewing your super, Lisa, and seeing whether moving into hub twenty four and or, you know, linking the account was of benefit to you in helping you to meet your goals. And you both have a goal of retiring at age 60 and drawing an income from super of around about 6,000 per month. We're looking at a total oh, sorry. That's actually 4,000 per month. My apologies. We're looking at a total of 96,000 per year. So you're looking at essentially drawing a little bit from each super fund over the time. We're working on about 96,000 per year to give you regular income there. Does that still sound appropriate? Yep. Beautiful. We're also scoping in, essentially, looking at your work hours. So one of the things that you wanted us to look at was whether you could drop hours to 50%. That is something that Scott has done and is enjoying it, and you want to do the same thing. So we looked at your monthly expenditure of 4,700 as provided and looked at your wages to see whether that would work for you, and I have made that recommendation down here for you as well. Excellent. I've also scoped in on the next page their estate planning. So when we are looking at superannuation and insurance, it's just making sure that you do have the estate planning and beneficiary set up in line with your goals there as well. Okay? On the next page, we've got the insurances. So you both have separate insurance goals, essentially. Alicia, you've got some life and TPD within your rider super account looking at keeping the cover amounts the same, by looking how to use it or how to transfer them or how to keep the same level of cover, but also have it paid out of super whilst looking at other super funds for you as well. You've got your employer paid income protection policy, which is a great policy as we kinda went through last time, and you were happy to keep holding that, and you weren't looking at getting any additional trauma cover at the moment. Does that still sound appropriate? Beautiful. Scott, for yourself, you wanted to look at reviewing your insurances as well. So you have life and TBD and some income protection. You've dropped your hours to 50% from where they were a few months back. So we were looking at making sure your income protection could be in line with your current income amount and also looking at whether reducing your life and TPD to 250 or canceling them was more appropriate for you and what that would look like. So I've definitely taken that into account and looked at options for you there as well. Okay. Excellent. On the next page, we have a limited scope. So these are areas that we have still considered as part of the advice, but that we might be limiting the recommendations around or just focusing or keeping in here because they are related to other areas. The first one is a deferred benefit scheme. So you have that lease. You're happy to keep it as is. In all honesty, it should absolutely stay where it is. You have you have, essentially, potential consequences for transferring the benefit before 55 and even 60. So we're looking at maybe altering things and changing that down the track, but for the time being, keeping that in place. So I have left the recommendation in that to retain that as it is. We have got a full strategy in here to retain that the same as we did last time, but this is making a note that we are keeping that for the time being. This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as well. Okay. Excellent. On the next page there, Scott, with your superannuation, so we did do advise for yourself a few months back there, and so we did look at your super and make some alterations to your super and the investments within there. Essentially, I have reviewed that to make sure that it is all working still appropriately for you. Essentially, I'm not making a lot of changes with regard to your super, but we have focused on essentially reviewing that. I'll sort of go through that a little bit with you down the track here, but it's all kind of in line with what we recommended back in March. Okay? Excellent. And then the last part here is the retirement aspect. So you guys are within that sort of ten to twelve years of retirement. So we wanted to limit it scoping to show you with the recommendations that we are making how that does look over the next sort of twelve years based on the research for you. This is obviously projected outcomes. This does need to be reviewed on a regular basis with you, so we will definitely look to do that. But we've got some additional research in the appendices to show you what that looks like as well. Okay? Excellent. And then on the next page, areas that we're not focusing on advice with regard to this document. So, Scott, you've got your BHP shares. You are happy to keep those as they are at the moment. We're not making any changes to those shares currently. Essentially, we can look at those down the track when and if you are ready to, you know, make any changes or sell or utilize those shares in any way. The next page outlines the motor home. So you guys are looking to fund and purchase a new motor home. You've got the funds sitting in the offset account at the moment. We're not providing advice around utilizing that. That is something if you wanted additional support on, we could provide advice down the track. Excellent. And then we've also got the home loan and the CDT provisions there. You put the money aside from the sale of your investment property to keep all your capital gains bill when that comes around. We're not providing any additional advice on that. Currently, you are happy with just keeping that money aside until the bill comes up, and you have to send that money off to lovely ATO there. So this is scoped out of the advice currently, but should you need any additional support, we can look to provide additional advice down the track there for you as well. Okay. Beautiful. Is there any change to any of your goals that we maybe need to note down at all? No? Beautiful. Excellent. The next page is the about you section, so the information consolidated from your recent staff funds that we were able to complete. And then the following pages outline all your assets and liabilities as per our last conversation. There could definitely be some changes on this one. There's nothing that really affects the advice as such, but if there are any major changes that you would like us to have reflected in the back end, we absolutely can do so. We have noted the mortgage as your liability there, sitting at the $193,000, just because it is still an open loan facility, but I have noted the offset account there above, and that obviously does cancel that out as well. So it's just noted there because it is still an open facility. Okay. Beautiful. The next page outlines your current superannuation balances. So we've got the defined benefit and your Vita Super account there, Lisa. And then underneath that, Scott, we've got your current super balance of $690,370.78 there, which is fantastic. And then the next page outlines your current insurances. So, Lisa, we've got your rider super with your life and TPD cover noted. And then, Scott, we've also, on the next page, got your Zurich policy with your life and TPD and the income protection policy noted there as well with the current premiums for each. Excellent. Yeah. Renewal. Yep. That's all good. I'm gonna skip forward a couple of pages there. If I can get you to scroll down to page number 22 there for me. This is probably the part that you are most keen to look at, Lisa. This is about whether you can reduce your hours or not. Beautiful. So with this one here, I did go back and have a look at everything. And I know before I went on leave, I did sort of make mention that it was looking really good, and it absolutely is looking really good. So with going with going back and having a looking at all sorry. My apologies. With going back and having a look at all, I am recommending that you do reduce your hours. So you cut your hours by 50%. Essentially, with your payslips, you're working about seventy two hours per fortnight. So it would be cutting back to thirty six hours per fortnight. When we look at your wages, your previous income was approximately $18,787.06 per annum, and that provided take home pay on a monthly basis of $11,159.97 per month. With the proposed reduction, we've kinda gone the math for you, and it works that your monthly take home pay is expected to be $6,108.17. With Scott having already reduced his hours, his take home pay per month is about $5,804.58 per month. So, essentially, when we add those two together, it's giving you a monthly net income of $11,912.75. Then we subtract away your monthly expenditure of 4,700 per month, and that leaves you with surplus monthly income of $7,212.75. So this still works. It allows you to reduce your hours so you can enjoy your life as well. You're still bringing home enough between the two of you. It's covering your monthly expenditure and then giving you additional surplus after that's being subtracted out. So this does work for you. So there you go. Recommending that it you do reduce your hours and you enjoy your life. Yeah. Yeah. You said you were gonna have a chat to him the other week. How did that go? Yeah? Yep. Yep. You've gotta find someone. Understandable. At least you get to have con, yeah, at least you get to have a bit of control around that. I think that's one of the the positives about that scenario is that you get to make sure the person can do the other half of your job properly so you're not, you know, working half the hours between twice the amount of work. So yeah. Excellent. So, look, I'm really happy with that. It works really well. I was really glad that we were able to make this work for you. I know it took a little bit longer to do all the numbers and run everything properly, but then it was also about making sure it works for your super as well because we don't want you to reduce hours and then find that you're not gonna be on track for what you need with regard to your super debt. So really happy with this. The recommendation is there for you to do that. So now once you've got all of that in place, you'll be able to plan your trips away and enjoy, you know, taking a little bit more time for yourself and your family, which essentially was the goal with that one. Excellent. Yeah. No. That's absolutely fine. I really enjoy putting that together. My poor admin team, they were just beside themselves, so I did a lot of that research and sort of showed them how to do it. But I really enjoy things like that. That's really, you know, part of the job that I think is the most valuable is being able to look at, you know, how someone can make their additional goals, not just super insurances, but looking at other areas that's important to them as well. So this was a lot of fun to put together, and I thank you for the opportunity. Then yeah. Yeah. Absolutely. No. That's fantastic. On the next page, it does kinda break down the cash flow recommendations for you with regard to some of the research. And then it's also outlining advantages, disadvantages, and risks and alternatives that we've looked at for you as well as part of the research. Okay. Excellent. If I can get you to go down to page number 25 there for me as well. Beautiful. So I did go back and look at your previous recommendation with regard to the super side of things. I had a look at Hub twenty four, which is where Scott Cooper is as well as all the other super funds out there and compared that with Brida. I am still recommending that we do, obviously, move you into Hub twenty four. I'm recommending that the behind the things, we will link your two accounts together. So where it's you have two separate super funds, but they're linked together in the back end. So it's called a family fee linking aggregation. We link everything in the back end. So when you both log in to Hub 24 and see both your super accounts, they'll both be showing there nice and clear. So you can both log in to either account and see them all. It helps to sort of save admin fees in the back end, which is actually really good for you both. When I had a look at the family fee aggregation, it actually worked out that by having both of the accounts linked in the back end, as well as giving you greater visibility of the combined superposition that you're in, it was actually going to save you approximately $819 per year on administration fees behind the scenes. So that's a really great benefit for you both. Yeah. We're also gonna change your surname with Brighter Super before we do anything because that's probably the biggest thing to start with here. What I'm going to probably need to do, Brighter Super won't accept our the way we do the ID side of things here. So I am gonna have to ask if you can send me an actual copy of your driver's license just so we can provide that to Brighter Super with the change of name details. And then we'll also probably need to get a copy of your marriage certificate as well just so we can kind of confirm. But my admin team will just make sure that they have, let you know everything that they need to be able to get that form completed, signed, and sent off to Brighter Super there. Okay? Beautiful. Let's just flood them with all the information possible so they can't come back and say they've got any issues. Yeah. Once we've changed your name on Brighter Super, we'll establish your Hub twenty four Super account. We'll have to do your change of name first. That way, everything is opened up correctly, and then we'll do a partial rollover. We do leave 10,000 behind inside your Brighter sofa initially and complete the rest of the rollover. Essentially, that is so we can do things in part. So we'll do a partial rollover, leave 10,000 behind, and then we'll sort your insurance transfer out for you as well. And then once we've completed the strategy, then we close off your Brighter Super. We never close off the Brighter Super until we have the insurance component in place. Otherwise, it it's a risk of leaving you unprotected for a period of time, and we do not want that in any way, shape, or form. Okay? So for the time being, just keep your contributions going into your Brighter Super account. My team will let you know when they're ready for you to transfer those over, just making sure that everything is done in a nice easy manner for you. So we essentially do things in steps. And in the back of the document, I've got an outline of all the steps there for you so you can kinda see how that is set out. And my team just basically follow those steps one by one to make sure things are done in a certain order and to make sure you that you're aware of what they're doing and when they're doing it to make it easier on yourself as well. Okay? Excellent. That is the main part of the recommendations there for you with regard to the super. Essentially, the what with the rollover, with the balances there, the full balance will be rolled over, but we'll start with just a partial rollover. So it's about $512,008.47 based on the current reset is rolled over first. We leave 10,000 behind. And then once we've completed the insurance strategy, my team will let you know when they're gonna complete the final rollover, and they'll get you to move your contributions then as well. Okay? Excellent. Oh, where? Yeah. Sorry about that. I will get that fixed up. No. No. That's okay. I will no. Thank you so much for that. There's a lot in here, so, yeah, there are can be little little little things there. I will just get yes. Yes. Yes. No. That's okay. I will in the DocuSign, the OdooSign one, I'll have that little bit fixed up, and I'll resend that out to you because I think that the OdooSign might be a little bit a little bit slow and a bit might not be working as well. So I'll update that and resend it to you shortly. It won't be a problem. Okay. Excellent. Underneath that, when you do take some time to read it over again, we've got the advantages, disadvantages, the risks, and any alternatives considered there as well. We do look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well. Okay. Fantastic. If you can scroll down for me to page number 31. Yeah. Beautiful. So this is essentially showing you the fee comparison table. So with the recommendations there, you've got your current Brighter Super account there. You've got your current investment fees, administration fees, your contributions going in, and then also insurance premiums currently coming out as well. With the contributions, this is based on the essentially, what what it looks like after you've reduced your sorry. Reduced your hours by 50% so your contributions are less of so than what you can currently what you're currently receiving. Sorry about that. My throat's a little bit sore this afternoon. With the implementation fee, we still do charge the implementation fee. As I mentioned last time, it's $4,909,150. That is deducted out of the super account as soon as the funds are rolled from Vita Super into Hub twenty four for you. So it comes out as soon as the funds hit the cash account. That way, we can have the funds invested for you and make your money back nice and quickly. It does mean that with the expected rollover, once the funds are in Hub 24, we expect it to be around at the $512,008.47 once everything's been completed. When we look at the difference in the fee structure, with hub twenty four, it is a little bit higher, and this is also taking into account the fee the fee savings by having everything linked in the back end there. It does increase your administration fees slightly by about $724. However, have 24 in the portfolio that I'm putting you in is actually cheaper in investment fees. It's saving $1,896 in investment fees, which is a positive to you. So when we look at the investment fees as well as the administration fees, sorry, overall, you're actually saving money by moving into hub 20 four. And then with the family fee aggregation as well, that'll work for your benefit and provides a greater saving long term. And that's one of the things I like to look at is making sure that you're not spending all this money on fees, that there are some benefits that we're lowering fees where possible. Some more money stays invested in your super working harder for you long term as well. Okay? Do you have any questions so far at all? No? Beautiful. Excellent. We've got the ongoing service fee there as well. So, essentially, at the moment, Scott is on 1.65% for the ongoing service fee. We will reduce that with you coming on board. Your ongoing service fee is 1.10%, and we will make sure that reflects in Scott's Super as well. So that's what you'll both be on for the next twelve months. And then we review that with you every year moving forward and make changes as needed too. Okay? Contributions contributions going in at the rate at the dis at the lower rate because you will have dropped your hours and be only working 50% and enjoying your life, which I'm so excited to see what you guys are doing. And then I've also made the recommendation to transfer your insurances as I did previously, which essentially does make it the lower premium. So it's also saving money on insurances. I'm expecting to save you about a $147 a year, which is really important again. So less money going out of your super for insurance premiums also provides a greater benefit to you. Okay? Beautiful. With your current super fund within Brighter there, we've got the balanced growth portfolio. This is where you're sort of invested currently. When we look at how this has been performing over the past five years, it's averaged about 6.85%. Definitely not a bad return, but it's not what we wanna see. We wanna get the best we possibly can. With the growth portfolio that I'm putting you into, it's averaged about 10.44%, so definitely a much greater return. And if you look below that, you've got the projection table that shows over the next five, ten, and twelve years, if the portfolio can average what it has over the past five years, this is where it could actually see you ending up. And this is just in hub 24, so this is not including your deferred benefit amount. So that could obviously if we are able to roll that in at around about age 55 or 60, whichever feels more appropriate, which when we will do the advice, we'll look at that. That could add on top of that and provide you with a much bigger benefit down the track as well. Yeah. Do you have any questions so far at all? No? Beautiful. Excellent. The next page does outline the difference in the average returns that each of the different portfolios have received there for you as well. Okay. Beautiful. Now the next page outlines the investments that we're gonna invest you in. This is a bit different. So I went back and reviewed my recommendation last time because last time we had recommended our SMA product to you. That well, has been performing really well. This portfolio has actually been performing much better, and it's also actually a lot cheaper. And that's one thing I wanted to look at was how to have the funds invested in a portfolio, but limiting the amount of investment fees that you have to pay as well. Okay? Beautiful. So, essentially, with the top of this one here, your deferred benefit stays exactly as it is with the current balance there. With the brighter super, we'll take out all the full balance there and have that invested into hub twenty four as per the below portfolio. This might look a little bit similar to Scott's because it basically is the very same portfolio. It's the growth portfolio. So you'll see about 5% invested in cybersecurity, 8% in the Europe investment. This is giving you access and exposure to all 16 European countries. We're also looking at 5% in Japan. Japan is still a really good place to be invested, has seen a lot of growth. And when we look at how things have gone this year, Japan was really well prepared for their for their members and with the fuel and everything as well. So it is still a really good place to be invested in Japan there. Sorry. The other one there is the Vanguard All World ex US. Now this is giving you exposure to the entire globe minus The US market. One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios. This investment gives you access and exposure to the entire globe minus The US Of A. We see 8% invested in here, and it's a really good investment. Has actually seen some very good growth over the past few months there as well. Because that investment doesn't have The US, we wanna make sure you do have some US exposure. So we're looking at the S and P 500. This is essentially just tracking the S and P 500 index. The S and P 500 index can encompass anywhere from the top 500 to the top 520 different companies. Because it tracks the indices, essentially, every quarter, the investment committee of the indices do meet, and they talk about which companies are qualified to remain in the S and P 500. If a company no longer qualifies, they are removed from that indices, which means that they are removed from every investment that is following the indices. So this essentially shows that you are always tracking the top 500 companies on The US. Over the longer term, we do see really great returns in The US market. Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you. We do see volatility in the shorter term, but long term, we do get great results out of them. Out of them. Underneath that, you've got the BetaShares a 200. This is giving you access and exposure to the top 200 companies on the ASX. Let's say 20% invested here for Australian equities. Essentially, this is these companies, again, very much like the S and P 500. They are it is on the top 200 companies. So we are looking at an index here. Essentially, with the companies within the indices, if they don't meet the criteria to be in the top 200, they are removed out. So, essentially, you are always tracking the top 200 companies on the ASX, which is a positive thing. In Australia, whilst we don't tend to get the a lot of returns the same as The US or overseas or international markets do, we do still see really good growth, and our market tends to follow suit with The US as well. So it is still really good to have a little bit of glow a little bit of local investment within the ASX market also. Okay? Underneath that, you've got the global physical gold. This is giving you exposure to glow to physical gold. This is held in a a vault in The UK, believe it or not, but it is giving you access to actual physical gold, which is great. Physical gold is a growth investment. It does save really good returns longer term. It doesn't pay any income. So this focus solely around growth. So we are looking at holding only 10% of this because we also want these portfolios to generate income for you. We wanna see a combination of growth as well as income. Income is great for compounding because with growth, you have to sell the investment to cement the growth. With income, it's paid to your cash account, and that is reinvested back into your portfolio for compounding. So having some physical gold in there, getting some additional growth there, holding about 10% is great. The other thing we all tend to like about physical gold is that it is a bit of a safe haven. So we see a lot of growth there, but when equities don't perform so well, people tend to move money into into gold as a bit of a safe haven. So it can act defensively when it needs to as well, which is great. And then because even that growth portfolio, which as we kinda went through last time has the eighty twenty split between growth and defensive investments, we also want some lower risk defensive investments. So we're looking at core composite bonds. So this is giving you access and exposure to government as well as corporate bonds. Bonds are very similar to term deposits, pay income payments on a regular basis, and they are reinvested back into your portfolio for compounding. 10 normally, bonds like term deposits and other fixed interest investments, When equities aren't performing so well, these investments do tend to provide good growth as well. So it's a bit of a combination of both. These are seen as lower risk, and it's good to have a bit of a mix in there for you. So this is essentially where you would see your funds invested after moving out of the Brighter Super. I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested. But did you have any other questions about those investments? Did you want me to go a bit deeper on anything for you? Beautiful. Excellent. Do you have any questions for any of those at all, Scott? They exactly are. Yeah. Yeah. Excellent. On the next page, you'll see there the cash account. So we do need to hold 1.25% cash there. That essentially means it will hold $6,410.59 in cash. Okay. Beautiful. With the next one, if you go down the page number 36 there for me, this is just about retaining your deferred benefit with QSuper. Essentially, there's no changes here. This is a great product. The funds are sitting in here. They just grow along with, you know, the the average wage option. They just grow along with the internal indexation growth rate, which is fantastic, and it's kind of having a little bit of a safe net in the back end for you as well. So keeping this there down the track, would we'll have a look at it again around the age 55 to sort of see, you know, how it's tracking and whether there is any is it whether it is worth changing. Because of the different taxation rules within this product, it is generally better to wait till age 60 to be able to move it around, but we'll look at it at age 55 as well as 60 to sort of work out when it is a more suitable time to do so for you, what that looks like for you, and when it provides a greater benefit to do so. And I'm looking forward to this. I really enjoy these products. They are fantastic. I actually asked my boss to set, like, a defined benefit. I asked him, like, no. So they are a really, really good in, super product. So we'll keep that there as long as we can. I do and have outlined why that is in your best interest as well as any advantages, disadvantages, risks involved, and any alternatives that we have considered as part of the research for you for this one as well. Okay? Beautiful. The next page on page number 40, this is essentially looking at the insurance side of things for you. Beautiful. So the same as last time, I am recommending that you just retain the level of coverage you have within Brighter Super Bowl, but we transfer it to hub twenty four. We did do the questions last time to confirm eligibility. It is cheaper to hold the the same insurance cover within hub twenty four. It saves you a bit of money, which is really important to note. The other side of that, as we kinda went through last time, is your employer is currently paying for your insurances within Brighter Super. So it does mean that you'll lose out on that little bit of extra money that's being paid for the insurances. These insurances will then be paid out of your super fund, but they are also cheaper. So when we look at the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly. Long term, it provided a much greater benefit there for you, and it's still keeping the same level of cover there. Okay? Excellent. Underneath that, I've got the best interest duties for outlining how this meets your goal and what's in your best interest to do so. And we've also got the advantages, disadvantages, and the risks involved there for you. Beautiful. Sorry. On page 42 as well, we do also have a little table, and that just shows you your current recommended. But it also shows you if you weren't paying for any insurances out of your super, essentially, the impact over the next five to twelve years there, you will see when you look at this twelve year impact, it is only very minimal. So these insurances aren't having as huge an effect on you or or on your super long term, but it is important to note that they are there to provide you with a little bit of cover. And if you were to claim on them, a 106,000, you know, could definitely provide you with a little bit of extra benefit there as well. Beautiful. Sorry. On page number 45, we've got down with your income protection policy. So you do have your income protection policy through your employer. That is a beautiful policy. I've got all the same information there from the last time there. I reread sorry. Sorry. Rereread their, PDF disclosure statements as well. This is fantastic. So keeping this basically means that you've got that income protection cover there without having to pay the premiums. And, honestly, the best type of insurances you can have is cover you don't have to pay for. So retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection. And one of the biggest things is that when you do apply for income protection, because it's the first thing we claim on, it is the most expensive type of insurances to hold. So having this here, does provide you with a good benefit. They essentially have that forty five day waiting period. They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks. So it is really good. The only sort of downside is the older you get, the less the benefit period is. So when you're under, you know, sort of seventy seventy years of age, they cover a hundred and four weeks. When you get to 70 or 75, it drops to fifty two weeks. And when you're over 75 years of all age, they only cover you for thirteen weeks. So that's probably the real disadvantage of this product. But you're well and truly under 70. So a hundred and four weeks of income protection, and starting thirteen weeks of a 100% of your income is absolutely unheard of because, as of currently, income protection products only cover up to 70% of your income, so this is a really good product to keep for you. Excellent. The next sorry. The next page down is going to be for Scott. If you can go to page number 49 for me. Yeah. This is you. I promise I haven't forgotten you. All good. So with this one here, as I kinda went through with you, Scott, we did provide advice in March, and that was to alter your superannuation portfolio. I've gone back and reviewed all of that with you. It is working really well at the moment. There's no real need to change your portfolio within hub twenty four currently. So I'm recommending you retain the super fund and also the portfolio as it is. But we are gonna in the back end, the same as with Lisa, we'll set up the family fee aggregation for you. That way, it is all linked in the back end. And and, again, we sort of worked out it's a bit over $819 that we can work out that you do save combined on administration fees. That's a really good saving for you both. Okay. Beautiful. We on the next page down on the sorry. Page 50, this is where we looked at the insurance side of things for you. So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or down to zero and basically cancel them out. You currently have about 551,250 of life and TPD paid within super, and you're it's costing about $1,597 currently. What I am recommending is that we don't cancel it completely. I'm just recommending you reduce it back to 250,000. The main reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have. However, you do also have your CGT bill and you wanna buy your caravan. And as much as that you know, it's still only a very small amount. If you were to pass away, that extra 250,000 plus your super balance paid to Lisa would allow her, if she needed to, to stop working completely, you know, take care of the family. Other family members come in. Funerals are expensive. There's lots of things to work out, but then it would allow her time to grieve and stop working completely if that's what she wanted to do as well. So having that little bit of extra cover was really important. The other thing that kinda came to me when I was looking at this was what happens if you're TPD without having this even smaller of total permanent disability? If you were never able to go back to work again due to permanent incapacity, and Lisa had dropped to 5050% of her hours, without having this kind of buffer, she may have to while her income still covers your regular expenditure, it does add a little bit of extra pressure to her. She may have to then increase hours and go back to full time work, which is, again, adds additional pressure. The other reason people have TBD cover is to replace vehicles, to add home modifications for ongoing support, care, and sometimes rehabilitation costs are involved as well. So, I sort of looked at everything, weighed up the risks, and looked at all the different outcomes there and decided that you keeping that two hundred and fifty thousand of TBD and life was appropriate. We're reducing it basically by half. So it does reduce the cost of the premium, which is important because that then allows more money to stay inside your super long term. But dropping it down in increments means that we're not making a huge drastic change. So giving you a little bit of cover is better than having none currently. And when you think about the risks involved with even just your job, you know, TBD is probably a big thing to consider. You're more likely to have, you know, an accident or something happen where you're fully disabled or maybe not able to go back to work rather than the the life event, but having that little bit of extra cover is really important. The other side of it is this cover is sort of set in place with no major loadings or exclusions there. So if, you know, we were to cancel that completely and then you decided at a later time you wanted to reinstate the cover, we have to go back to an application. And that essentially means that if your health has changed, there could be loading exclusions that could be more expensive as well. So it does work out better to drop it down in increments, keep that level of cover as a buffer because there is still a risk of something happening to you, and making sure that if something did happen, that the pressure isn't left all on Lisa to kind of work full time, cover the bills, and or any additional expenses that come up there. So that's the reason I've made that recommendation and suggested we do keep that 250,000 of life and TV. Does that make sense? Yep. Do you have any questions then? Yeah. Absolutely. On the next page down is the income protection component. So because you have reduced your hours with income protection policies, you can cover up to 70% of your income there. Your income protection was based on your higher income, so you were a bit over insured there. And as I kinda mentioned, income protection is the first thing we claim on, so it is much it is the highest part of our insurance cost, essentially. You were paying a bit over $3,000 for your income protection policy. I've kept the waiting and benefit periods the same as a user to say you're comfortable with those, but I have recommended that you do reduce your income protection monthly benefit back so that it sits at 70% of your current income amount. That way, you're not over insured. One of the biggest things that we do have is when we're over insured, we're paying for insurances we can't actually claim on, and that just doesn't seem to make any sense at all. So reducing that back saves you a bit more of a premium and keeps your income protection policy in line with 70% of your current income amount. Does that make sense? Yep. Beautiful. On the next page, I've outlined the best interest duty there for you. Just noting basically what I have gone through there, just outlining why this remains in your best interest. And then I've also got the advantages, disadvantages, and the risks involved there. On page number 53, we've also got, the outcome projection table, essentially. So having a look at your current and recommended, this sort of shows you your current your current super balance with all the fees coming out currently and your current insurance premiums and the impact over the next five to ten years there. The recommended does the same with the reduction. So it'll essentially reduce your insurance premiums from over $4,600 to 2,232, which is a great saving up front. And then it projects it over the next five to ten years to where your super balance should end up based on the changes and the recommendations. And it also shows you the impact if you were not paying for any insurances out of your super. We just sort of like to let you know that it does have an impact on your retirement because we are paying these out of our super fund. But you can see by reducing that down, the impact is definitely lesser. It's also saving you a bit of money, keeping it, you know, invested for a much bigger compounding effect down the track there, which is great. Beautiful. Do you have any questions at all so far? Beautiful. Excellent. I've also outlined the advantages, disadvantages, the risks, and any alternatives there, so you are welcome to run your eyes over those. On page number 55, we do have the beneficiary side of things. Beautiful. So, essentially, what we're recommending with the beneficiary is that you nominate each other. You'll see a little bit of a table on page 56 there. It's essentially making sure that, Lisa, you've nominated a 100% to Scott through your q super deferred benefit and also your hub twenty four super account. And, Scott, we have got your beneficiary on file updated for Lisa on your super. I've been waiting for Zurich to come back and confirm that it's on file for them as well. So I'm just gonna update the Zurich beneficiary to make sure that that is a 100% set up, that there's no issues with that to protect you guys in the event that anything occurs. The last thing we sort of want is for something to happen and then for the claims process to take longer and also and be a bit of a pain to your family members. So just making sure your Zurich life insurance policy is reflective and just making sure that leases have 24 super and q super do nominate yourself as well. So in the event that anything was to happen, and I want nothing to happen, that your beneficiaries can be paid to each other nice and comfortably. Okay? Beautiful. The only other thing in there is essentially looking at wills and powers of attorney. So just making sure that you do look at speaking to a solicitor, having a will and power of attorney drawn up. Those are also really important. Beautiful. Excellent. I also like them to be reviewed on a regular basis. Generally speaking, every sort of three to five years, just reviewing them, even between yourselves or speaking to a solicitor, just making sure that everything is correct and updated. One of the biggest things that I do find is how does people not having them at all is that they've been done twenty odd years ago. So just making sure every couple of years, you guys review them, talk about them, even have a solicitor review them to make sure they're appropriate for you both as well. Okay? Love that. Beautiful. Oh, that's easy, isn't it? Beautiful. And then as I kinda mentioned at the start, I did look at the projected outcome for your super there as well. So on page number 62, I have got a little projected outcome that shows you based on the annual income of 96,000 for your both, which is your goal, to be just deducted essentially equally from each of your super accounts there. This does sort of meet your goal. It does show that you can essentially draw. This has got a figure about 107,000 per year between both of your super accounts there from your retirement age, and the super is expected to last anywhere up to about 98, ninety nine years of age. This is just taking into account your hub twenty four super accounts and not taking into account the defined benefit aspect of it. We can't because they won't give us the growth rates behind the scenes there. That is all kept very well under wraps, and it is determined each year within the q super deferred benefit product as well. So, obviously, having that in there does provide a greater effect for you, and we wanna review things on a regular basis to make sure we keep you on track. Because we're projected forward and both of you have great balances and are projected to have great balances, it also does mean, unfortunately, you're probably not gonna be eligible for Centrelink. However, down the track, I do wanna look at, you know, where we end up closer to retirement at age 67, you know, what your balances look like, whether we can maybe look at getting some Centrelink for you as well to sort of supplement some of the super to provide even further a benefit for you. The other side of Centrelink is it's not always just the amount that you receive from them. It's also the health care card, which provides greater benefits and cheaper medications and health care and things like that. So if there's a chance that we can look at that down the track and shelters shelter money, we can look at annuities, then we'll definitely look at doing that to provide greater benefit there. But with you reducing your hours and with the change in income, I did look at salary sacrificing. However, it doesn't look like we need to currently. We'll keep reviewing it. If we find we need you down the track, we'll definitely start. But right now, this shows that you're on track to meet your goals that you guys are after. So that's essentially where we're at with that. Perfect. Do either of you have any questions? You're welcome to let me know if you do. No. Beautiful. I would do just wanna update a couple of small things and other things that we noted. I will do that, and I'll resend the audio sign. I'm going to stop that audio sign that came through and resend it because it it's just coming up with a bit of an error on my end of things, and I think because I've attached so many documents to it. So I'm just gonna cancel that one, redo the document. I'll update that little section in there as well that has Andrew Scott. Sorry about that. They probably got a bit confused with your surname. And I'll just go back and resend that to you shortly. In this email as well, I've also got the appendices for you. And in there, at once, a lot of the research that we have completed. So it's got the research around your income estimates with reducing your hours versus your current. It's also got all of the links to the PDFs for all the investments if you're interested and wanna have a bit of a look through those. It's also got some like for like comparisons, and it does also have an updated probably a little bit more of a dollar side projection table with withdrawing funds out of your super as well. So it just sort of shows you a little bit more of a dollar, you know, stick on how long that's expected to last based on our current research there. And this all just needs to be continuously updated and reviewed. I do reviews with all of my clients every three or six months depending on what they would prefer. I think, Scott, you wanted six months last time. Is that still fairly accurate? Beautiful. Yep. Lisa, you're happy with six months as well, or did you want something a little bit more? Beautiful. Excellent. Fantastic. You'll also note in the back of the document there, the ongoing service fee is 1.10% for both of you. So, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well. There's no implementation fees for your side of things, Scott, because you're already a client. And, Lisa, I've got your $495.00 on there for you as a flat fee. And then with the insurance aspect, so I'm just really honest and just making sure you're aware that with your insurance later, there'll be no remuneration made to us. That's all. Just a transfer of group cover. But, Scott, you we do receive 22% ongoing of your Zurich premiums as well, and that's estimated to be $491 per year. So this is really important that you're aware that the advice provided isn't about the fees for me. It's about making sure we're meeting your goals. And I have honestly thoroughly loved putting this together for you both, and I just can't thank you enough for the opportunity. It's been fantastic. I've really enjoyed it. Oh, not a problem at all. If you did want to, on page number 70 sorry. It is a really long document. I have set out how we would implement this advice piece for you. So you're welcome to run your eyes over that, have a look at essentially what we'll do for you in the different stages so you can, you know, see where or how the implementation would work for you both. Beautiful. Excellent. Is there any questions that have come up in relation to any of that or anything that you maybe wanted to change or any anything at all? Oh, you absolutely can. Yeah. Yeah. Perfect. So because it's so big, it wouldn't let me attach the all the supporting documents, and then it was having a little bit of a bit trying to send out. So I think I've just tried to attach too much to it. I've made technology work too hard. So I'll just go back, and I'll void that one, and I'll resend it out to you shortly so it's all nice and clear and easy for you. Okay? Beautiful. Thank you so much. When you do get that, Lisa, we've also got a copy of your fax lines, your risk profile, the things that we filled out for yourself. I've got external third party authorities on there so that we when you come on board, we can talk to each of you about each other's accounts. As I kinda mentioned last time, it just provides that little bit of extra benefit. If one of you need to ask questions about each account, you can. And it also means if one of you are in hospital or something happened, you can call and go, hey. Scott's in hospital. I need to do this, this, and this, and we can help you out. So we've got all of those. We'll also do a lost super search for you. We'll make the ACO go out there and see if there's anything in the ether that we can help to consolidate for you aside from what we know about. And then you've also got your application forms and things attached so we can start an implementation process for you. And easy and I'll send you an email as well if you can just shoot me back a copy of your driver's license. And Maddie will also need to obtain your tax file number prior to opening up your hub twenty four super account, and she'll let you know when she needs that. Okay? Beautiful. Thank you so much for your time. I really appreciate. I'm sorry. It's very long. It's quite a lot to go through. No worries. If either of you have any questions, please let me know. Happy to answer anything that you might have once you've taken some time to read it over. You too. Thank you. Enjoy your dinner. Thanks. 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Lisa. It's Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I've got you both booked in. Is now still a good time just to run through things and start a bit earlier for you, buddy? Fantastic. That's okay.\n\nIs Scott there with you as well? Hey, Scott. How are you? How's your day been? Oh, that's excellent.\n\nSo I'm just gonna send through the DocuSign there through to you. Before I do jump into the call, I just have to let you both know our calls are recorded for training and quality purposes. Are you both happy for me to proceed with that? Fantastic. And I just need to do security with you, if I could.\n\nIf I can get you both to say your name and and date of birth and just one of you to provide an address, that would be absolutely perfect if possible. Yep. Beautiful. Beautiful. Thank you so much for that.\n\nNow you're gonna receive a separate email as well. We had quite a few supporting documents, things like PDFs for the recommended products, and they just didn't all kind of fit in the original Odoo sign. So I'm sending a separate email to the both of you with those sort of supporting documents for you to be able to go through and have a read of, and, also, just sending to the the order signed for you with the actual advice document. Order is a little bit slow this afternoon, so hoping it comes through fairly quickly for you both there. Sorry.\n\nNo. That's okay. Yeah. And just double check your junk mail as well. Sometimes I just get diverted to junk.\n\nOh, yes. Oh, wow. Oh, you're right. Is he okay? Do you need to attend to him at all?\n\nOh, that's all good. No. That's absolutely fine. If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice. You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you.\n\nIt was just sent through a short time ago, so about none have come through yet. Oh, goodness. It is a big email. I'm not gonna lie. We normally put all of these additional documents in that OdoSign with everything, but it is quite a large email that I'm sending through.\n\nSo it had to come through as two separate. Sorry about that. Mhmm. All good. And how did your holiday go?\n\nI know you both had a bit of a a holiday as well. How was that? Oh. Oh, fantastic. A bit of downtime.\n\nIt's always nice, isn't it? Fantastic. I'm just refreshing my system because I can see that they're both being sent. There we go. Yeah.\n\nTold you it was big. Sorry. Yeah. No. That's okay.\n\nAnd this one, hopefully, shouldn't be too far behind it. This one has, again, quite a few documents in it as well. Here we go. I'm just resending this one as well because it might also just be that it hasn't quite sent through fully. So I'm just pressing the resend button there as well.\n\nOkay. Let's see if this works again for you. I'm just retyping in your email address just to make sure that we are sending everything correctly. Oh, that's good. Oh, that's really good.\n\nI love that. Here we go. Alright. So just double checking. I've got emails here as lisa.andrews11@bigpond.com and Scott .andrews11@bigatbigpond.com as well.\n\nYep. Beautiful. I'm just gonna resend this one again. It's a pretty large document with a few things in it, so I'll press send on that again. Yep.\n\nThat's the one. Beautiful. Not yet. So if you can, press on the button that does say sign once you've both received it. You should both get an invite to it.\n\nYou'll press the button that says to sign it, but it just allows you to go forward so you can review each of the documents there. Beautiful. Now on those documents, there should be either a button that says next or an arrow so you can scroll through those documents. Yep. Beautiful.\n\nExcellent. So this is the statement of advice, it wouldn't let us shuffle the documents around because technology is having a bit of problem today. So if you sort of go through, it is the sixth document along out of the eight. So if you can just press the next button till you get to the document that says statement of advice there for me. Yeah.\n\nThat's okay. Oh, okay. Very bizarre. Will it let you yep. So that one there is the last document.\n\nIf you go back one document, does it have an arrow or button so you can scroll back at all? Yeah. That's that's all good. The statement of advice. Yeah.\n\nOh, that's really bizarre. Can you see the can you see each of the documents by heading on the side of it at all? No. That's okay. There is that's okay.\n\nThere's something else that we can do if you it's easier for you, actually. If you go back into my supporting documents email and go down to the attachments, I've actually attached the whole statement of advice in there for you. We can just open up that one and go through that one to make it easier, and then I can always resend this if it's if the Odoo isn't working properly because it has had a little bit of a bug today. It's been a bit slow and not really doing what I want it to. I can always resend it if you have any problems kinda going through and reading the documents.\n\nYeah. Otherwise hopefully, it'll just need a second. It might load for you a bit later on. Yeah. Excellent.\n\nSo on that one there you've got that one? Beautiful. So that one there is a statement of advice prepared for both of yourselves. So Lisa and Scott Andrews on the top there. We do date the document as of today's date for you just so all of our documents are valid for thirty days from the date on the front of the document.\n\nOn the very bottom there, it has been prepared for by myself and my lovely team here at Oakview Financial, and my license number is noted on the bottom for you both there as well. Okay? As we kinda scroll through these next few pages, I will kinda skip a a few sections and skip pages here and there, but I'll let you go back and have a really good read of the document. It's just about making sure that I base on the areas that we need to touch on for you. And this is a fairly big document for you both there as well.\n\nOkay? The next phase has the best interest duty. So just outlining there, essentially, that we provide advice under the best interest duty, which is a part of the corporations act. Essentially, we may need to take reasonable steps to make sure we understand your goals, your objectives, and any advice provided does need to be there to meet your goals and within the best interest duty. The next page is a table of contents, and then the next couple of pages are outlining areas to which we are scoping in and or add advice.\n\nSo you both had essentially goals with superannuation of reviewing your super, Lisa, and seeing whether moving into hub twenty four and or, you know, linking the account was of benefit to you in helping you to meet your goals. And you both have a goal of retiring at age 60 and drawing an income from super of around about 6,000 per month. We're looking at a total oh, sorry. That's actually 4,000 per month. My apologies.\n\nWe're looking at a total of 96,000 per year. So you're looking at essentially drawing a little bit from each super fund over the time. We're working on about 96,000 per year to give you regular income there. Does that still sound appropriate? Yep.\n\nBeautiful. We're also scoping in, essentially, looking at your work hours. So one of the things that you wanted us to look at was whether you could drop hours to 50%. That is something that Scott has done and is enjoying it, and you want to do the same thing. So we looked at your monthly expenditure of 4,700 as provided and looked at your wages to see whether that would work for you, and I have made that recommendation down here for you as well.\n\nExcellent. I've also scoped in on the next page their estate planning. So when we are looking at superannuation and insurance, it's just making sure that you do have the estate planning and beneficiary set up in line with your goals there as well. Okay? On the next page, we've got the insurances.\n\nSo you both have separate insurance goals, essentially. Alicia, you've got some life and TPD within your rider super account looking at keeping the cover amounts the same, by looking how to use it or how to transfer them or how to keep the same level of cover, but also have it paid out of super whilst looking at other super funds for you as well. You've got your employer paid income protection policy, which is a great policy as we kinda went through last time, and you were happy to keep holding that, and you weren't looking at getting any additional trauma cover at the moment. Does that still sound appropriate? Beautiful.\n\nScott, for yourself, you wanted to look at reviewing your insurances as well. So you have life and TBD and some income protection. You've dropped your hours to 50% from where they were a few months back. So we were looking at making sure your income protection could be in line with your current income amount and also looking at whether reducing your life and TPD to 250 or canceling them was more appropriate for you and what that would look like. So I've definitely taken that into account and looked at options for you there as well.\n\nOkay. Excellent. On the next page, we have a limited scope. So these are areas that we have still considered as part of the advice, but that we might be limiting the recommendations around or just focusing or keeping in here because they are related to other areas. The first one is a deferred benefit scheme.\n\nSo you have that lease. You're happy to keep it as is. In all honesty, it should absolutely stay where it is. You have you have, essentially, potential consequences for transferring the benefit before 55 and even 60. So we're looking at maybe altering things and changing that down the track, but for the time being, keeping that in place.\n\nSo I have left the recommendation in that to retain that as it is. We have got a full strategy in here to retain that the same as we did last time, but this is making a note that we are keeping that for the time being. This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as well. Okay. Excellent.\n\nOn the next page there, Scott, with your superannuation, so we did do advise for yourself a few months back there, and so we did look at your super and make some alterations to your super and the investments within there. Essentially, I have reviewed that to make sure that it is all working still appropriately for you. Essentially, I'm not making a lot of changes with regard to your super, but we have focused on essentially reviewing that. I'll sort of go through that a little bit with you down the track here, but it's all kind of in line with what we recommended back in March. Okay?\n\nExcellent. And then the last part here is the retirement aspect. So you guys are within that sort of ten to twelve years of retirement. So we wanted to limit it scoping to show you with the recommendations that we are making how that does look over the next sort of twelve years based on the research for you. This is obviously projected outcomes.\n\nThis does need to be reviewed on a regular basis with you, so we will definitely look to do that. But we've got some additional research in the appendices to show you what that looks like as well. Okay? Excellent. And then on the next page, areas that we're not focusing on advice with regard to this document.\n\nSo, Scott, you've got your BHP shares. You are happy to keep those as they are at the moment. We're not making any changes to those shares currently. Essentially, we can look at those down the track when and if you are ready to, you know, make any changes or sell or utilize those shares in any way. The next page outlines the motor home.\n\nSo you guys are looking to fund and purchase a new motor home. You've got the funds sitting in the offset account at the moment. We're not providing advice around utilizing that. That is something if you wanted additional support on, we could provide advice down the track. Excellent.\n\nAnd then we've also got the home loan and the CDT provisions there. You put the money aside from the sale of your investment property to keep all your capital gains bill when that comes around. We're not providing any additional advice on that. Currently, you are happy with just keeping that money aside until the bill comes up, and you have to send that money off to lovely ATO there. So this is scoped out of the advice currently, but should you need any additional support, we can look to provide additional advice down the track there for you as well.\n\nOkay. Beautiful. Is there any change to any of your goals that we maybe need to note down at all? No? Beautiful.\n\nExcellent. The next page is the about you section, so the information consolidated from your recent staff funds that we were able to complete. And then the following pages outline all your assets and liabilities as per our last conversation. There could definitely be some changes on this one. There's nothing that really affects the advice as such, but if there are any major changes that you would like us to have reflected in the back end, we absolutely can do so.\n\nWe have noted the mortgage as your liability there, sitting at the $193,000, just because it is still an open loan facility, but I have noted the offset account there above, and that obviously does cancel that out as well. So it's just noted there because it is still an open facility. Okay. Beautiful. The next page outlines your current superannuation balances.\n\nSo we've got the defined benefit and your Vita Super account there, Lisa. And then underneath that, Scott, we've got your current super balance of $690,370.78 there, which is fantastic. And then the next page outlines your current insurances. So, Lisa, we've got your rider super with your life and TPD cover noted. And then, Scott, we've also, on the next page, got your Zurich policy with your life and TPD and the income protection policy noted there as well with the current premiums for each.\n\nExcellent. Yeah. Renewal. Yep. That's all good.\n\nI'm gonna skip forward a couple of pages there. If I can get you to scroll down to page number 22 there for me. This is probably the part that you are most keen to look at, Lisa. This is about whether you can reduce your hours or not. Beautiful.\n\nSo with this one here, I did go back and have a look at everything. And I know before I went on leave, I did sort of make mention that it was looking really good, and it absolutely is looking really good. So with going with going back and having a looking at all sorry. My apologies. With going back and having a look at all, I am recommending that you do reduce your hours.\n\nSo you cut your hours by 50%. Essentially, with your payslips, you're working about seventy two hours per fortnight. So it would be cutting back to thirty six hours per fortnight. When we look at your wages, your previous income was approximately $18,787.06 per annum, and that provided take home pay on a monthly basis of $11,159.97 per month. With the proposed reduction, we've kinda gone the math for you, and it works that your monthly take home pay is expected to be $6,108.17.\n\nWith Scott having already reduced his hours, his take home pay per month is about $5,804.58 per month. So, essentially, when we add those two together, it's giving you a monthly net income of $11,912.75. Then we subtract away your monthly expenditure of 4,700 per month, and that leaves you with surplus monthly income of $7,212.75. So this still works. It allows you to reduce your hours so you can enjoy your life as well.\n\nYou're still bringing home enough between the two of you. It's covering your monthly expenditure and then giving you additional surplus after that's being subtracted out. So this does work for you. So there you go. Recommending that it you do reduce your hours and you enjoy your life.\n\nYeah. Yeah. You said you were gonna have a chat to him the other week. How did that go? Yeah?\n\nYep. Yep. You've gotta find someone. Understandable. At least you get to have con, yeah, at least you get to have a bit of control around that.\n\nI think that's one of the the positives about that scenario is that you get to make sure the person can do the other half of your job properly so you're not, you know, working half the hours between twice the amount of work. So yeah. Excellent. So, look, I'm really happy with that. It works really well.\n\nI was really glad that we were able to make this work for you. I know it took a little bit longer to do all the numbers and run everything properly, but then it was also about making sure it works for your super as well because we don't want you to reduce hours and then find that you're not gonna be on track for what you need with regard to your super debt. So really happy with this. The recommendation is there for you to do that. So now once you've got all of that in place, you'll be able to plan your trips away and enjoy, you know, taking a little bit more time for yourself and your family, which essentially was the goal with that one.\n\nExcellent. Yeah. No. That's absolutely fine. I really enjoy putting that together.\n\nMy poor admin team, they were just beside themselves, so I did a lot of that research and sort of showed them how to do it. But I really enjoy things like that. That's really, you know, part of the job that I think is the most valuable is being able to look at, you know, how someone can make their additional goals, not just super insurances, but looking at other areas that's important to them as well. So this was a lot of fun to put together, and I thank you for the opportunity. Then yeah.\n\nYeah. Absolutely. No. That's fantastic. On the next page, it does kinda break down the cash flow recommendations for you with regard to some of the research.\n\nAnd then it's also outlining advantages, disadvantages, and risks and alternatives that we've looked at for you as well as part of the research. Okay. Excellent. If I can get you to go down to page number 25 there for me as well. Beautiful.\n\nSo I did go back and look at your previous recommendation with regard to the super side of things. I had a look at Hub twenty four, which is where Scott Cooper is as well as all the other super funds out there and compared that with Brida. I am still recommending that we do, obviously, move you into Hub twenty four. I'm recommending that the behind the things, we will link your two accounts together. So where it's you have two separate super funds, but they're linked together in the back end.\n\nSo it's called a family fee linking aggregation. We link everything in the back end. So when you both log in to Hub 24 and see both your super accounts, they'll both be showing there nice and clear. So you can both log in to either account and see them all. It helps to sort of save admin fees in the back end, which is actually really good for you both.\n\nWhen I had a look at the family fee aggregation, it actually worked out that by having both of the accounts linked in the back end, as well as giving you greater visibility of the combined superposition that you're in, it was actually going to save you approximately $819 per year on administration fees behind the scenes. So that's a really great benefit for you both. Yeah. We're also gonna change your surname with Brighter Super before we do anything because that's probably the biggest thing to start with here. What I'm going to probably need to do, Brighter Super won't accept our the way we do the ID side of things here.\n\nSo I am gonna have to ask if you can send me an actual copy of your driver's license just so we can provide that to Brighter Super with the change of name details. And then we'll also probably need to get a copy of your marriage certificate as well just so we can kind of confirm. But my admin team will just make sure that they have, let you know everything that they need to be able to get that form completed, signed, and sent off to Brighter Super there. Okay? Beautiful.\n\nLet's just flood them with all the information possible so they can't come back and say they've got any issues. Yeah. Once we've changed your name on Brighter Super, we'll establish your Hub twenty four Super account. We'll have to do your change of name first. That way, everything is opened up correctly, and then we'll do a partial rollover.\n\nWe do leave 10,000 behind inside your Brighter sofa initially and complete the rest of the rollover. Essentially, that is so we can do things in part. So we'll do a partial rollover, leave 10,000 behind, and then we'll sort your insurance transfer out for you as well. And then once we've completed the strategy, then we close off your Brighter Super. We never close off the Brighter Super until we have the insurance component in place.\n\nOtherwise, it it's a risk of leaving you unprotected for a period of time, and we do not want that in any way, shape, or form. Okay? So for the time being, just keep your contributions going into your Brighter Super account. My team will let you know when they're ready for you to transfer those over, just making sure that everything is done in a nice easy manner for you. So we essentially do things in steps.\n\nAnd in the back of the document, I've got an outline of all the steps there for you so you can kinda see how that is set out. And my team just basically follow those steps one by one to make sure things are done in a certain order and to make sure you that you're aware of what they're doing and when they're doing it to make it easier on yourself as well. Okay? Excellent. That is the main part of the recommendations there for you with regard to the super.\n\nEssentially, the what with the rollover, with the balances there, the full balance will be rolled over, but we'll start with just a partial rollover. So it's about $512,008.47 based on the current reset is rolled over first. We leave 10,000 behind. And then once we've completed the insurance strategy, my team will let you know when they're gonna complete the final rollover, and they'll get you to move your contributions then as well. Okay?\n\nExcellent. Oh, where? Yeah. Sorry about that. I will get that fixed up.\n\nNo. No. That's okay. I will no. Thank you so much for that.\n\nThere's a lot in here, so, yeah, there are can be little little little things there. I will just get yes. Yes. Yes. No.\n\nThat's okay. I will in the DocuSign, the OdooSign one, I'll have that little bit fixed up, and I'll resend that out to you because I think that the OdooSign might be a little bit a little bit slow and a bit might not be working as well. So I'll update that and resend it to you shortly. It won't be a problem. Okay.\n\nExcellent. Underneath that, when you do take some time to read it over again, we've got the advantages, disadvantages, the risks, and any alternatives considered there as well. We do look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well. Okay. Fantastic.\n\nIf you can scroll down for me to page number 31. Yeah. Beautiful. So this is essentially showing you the fee comparison table. So with the recommendations there, you've got your current Brighter Super account there.\n\nYou've got your current investment fees, administration fees, your contributions going in, and then also insurance premiums currently coming out as well. With the contributions, this is based on the essentially, what what it looks like after you've reduced your sorry. Reduced your hours by 50% so your contributions are less of so than what you can currently what you're currently receiving. Sorry about that. My throat's a little bit sore this afternoon.\n\nWith the implementation fee, we still do charge the implementation fee. As I mentioned last time, it's $4,909,150. That is deducted out of the super account as soon as the funds are rolled from Vita Super into Hub twenty four for you. So it comes out as soon as the funds hit the cash account. That way, we can have the funds invested for you and make your money back nice and quickly.\n\nIt does mean that with the expected rollover, once the funds are in Hub 24, we expect it to be around at the $512,008.47 once everything's been completed. When we look at the difference in the fee structure, with hub twenty four, it is a little bit higher, and this is also taking into account the fee the fee savings by having everything linked in the back end there. It does increase your administration fees slightly by about $724. However, have 24 in the portfolio that I'm putting you in is actually cheaper in investment fees. It's saving $1,896 in investment fees, which is a positive to you.\n\nSo when we look at the investment fees as well as the administration fees, sorry, overall, you're actually saving money by moving into hub 20 four. And then with the family fee aggregation as well, that'll work for your benefit and provides a greater saving long term. And that's one of the things I like to look at is making sure that you're not spending all this money on fees, that there are some benefits that we're lowering fees where possible. Some more money stays invested in your super working harder for you long term as well. Okay?\n\nDo you have any questions so far at all? No? Beautiful. Excellent. We've got the ongoing service fee there as well.\n\nSo, essentially, at the moment, Scott is on 1.65% for the ongoing service fee. We will reduce that with you coming on board. Your ongoing service fee is 1.10%, and we will make sure that reflects in Scott's Super as well. So that's what you'll both be on for the next twelve months. And then we review that with you every year moving forward and make changes as needed too.\n\nOkay? Contributions contributions going in at the rate at the dis at the lower rate because you will have dropped your hours and be only working 50% and enjoying your life, which I'm so excited to see what you guys are doing. And then I've also made the recommendation to transfer your insurances as I did previously, which essentially does make it the lower premium. So it's also saving money on insurances. I'm expecting to save you about a $147 a year, which is really important again.\n\nSo less money going out of your super for insurance premiums also provides a greater benefit to you. Okay? Beautiful. With your current super fund within Brighter there, we've got the balanced growth portfolio. This is where you're sort of invested currently.\n\nWhen we look at how this has been performing over the past five years, it's averaged about 6.85%. Definitely not a bad return, but it's not what we wanna see. We wanna get the best we possibly can. With the growth portfolio that I'm putting you into, it's averaged about 10.44%, so definitely a much greater return. And if you look below that, you've got the projection table that shows over the next five, ten, and twelve years, if the portfolio can average what it has over the past five years, this is where it could actually see you ending up.\n\nAnd this is just in hub 24, so this is not including your deferred benefit amount. So that could obviously if we are able to roll that in at around about age 55 or 60, whichever feels more appropriate, which when we will do the advice, we'll look at that. That could add on top of that and provide you with a much bigger benefit down the track as well. Yeah. Do you have any questions so far at all?\n\nNo? Beautiful. Excellent. The next page does outline the difference in the average returns that each of the different portfolios have received there for you as well. Okay.\n\nBeautiful. Now the next page outlines the investments that we're gonna invest you in. This is a bit different. So I went back and reviewed my recommendation last time because last time we had recommended our SMA product to you. That well, has been performing really well.\n\nThis portfolio has actually been performing much better, and it's also actually a lot cheaper. And that's one thing I wanted to look at was how to have the funds invested in a portfolio, but limiting the amount of investment fees that you have to pay as well. Okay? Beautiful. So, essentially, with the top of this one here, your deferred benefit stays exactly as it is with the current balance there.\n\nWith the brighter super, we'll take out all the full balance there and have that invested into hub twenty four as per the below portfolio. This might look a little bit similar to Scott's because it basically is the very same portfolio. It's the growth portfolio. So you'll see about 5% invested in cybersecurity, 8% in the Europe investment. This is giving you access and exposure to all 16 European countries.\n\nWe're also looking at 5% in Japan. Japan is still a really good place to be invested, has seen a lot of growth. And when we look at how things have gone this year, Japan was really well prepared for their for their members and with the fuel and everything as well. So it is still a really good place to be invested in Japan there. Sorry.\n\nThe other one there is the Vanguard All World ex US. Now this is giving you exposure to the entire globe minus The US market. One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios. This investment gives you access and exposure to the entire globe minus The US Of A. We see 8% invested in here, and it's a really good investment.\n\nHas actually seen some very good growth over the past few months there as well. Because that investment doesn't have The US, we wanna make sure you do have some US exposure. So we're looking at the S and P 500. This is essentially just tracking the S and P 500 index. The S and P 500 index can encompass anywhere from the top 500 to the top 520 different companies.\n\nBecause it tracks the indices, essentially, every quarter, the investment committee of the indices do meet, and they talk about which companies are qualified to remain in the S and P 500. If a company no longer qualifies, they are removed from that indices, which means that they are removed from every investment that is following the indices. So this essentially shows that you are always tracking the top 500 companies on The US. Over the longer term, we do see really great returns in The US market. Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you.\n\nWe do see volatility in the shorter term, but long term, we do get great results out of them. Out of them. Underneath that, you've got the BetaShares a 200. This is giving you access and exposure to the top 200 companies on the ASX. Let's say 20% invested here for Australian equities.\n\nEssentially, this is these companies, again, very much like the S and P 500. They are it is on the top 200 companies. So we are looking at an index here. Essentially, with the companies within the indices, if they don't meet the criteria to be in the top 200, they are removed out. So, essentially, you are always tracking the top 200 companies on the ASX, which is a positive thing.\n\nIn Australia, whilst we don't tend to get the a lot of returns the same as The US or overseas or international markets do, we do still see really good growth, and our market tends to follow suit with The US as well. So it is still really good to have a little bit of glow a little bit of local investment within the ASX market also. Okay? Underneath that, you've got the global physical gold. This is giving you exposure to glow to physical gold.\n\nThis is held in a a vault in The UK, believe it or not, but it is giving you access to actual physical gold, which is great. Physical gold is a growth investment. It does save really good returns longer term. It doesn't pay any income. So this focus solely around growth.\n\nSo we are looking at holding only 10% of this because we also want these portfolios to generate income for you. We wanna see a combination of growth as well as income. Income is great for compounding because with growth, you have to sell the investment to cement the growth. With income, it's paid to your cash account, and that is reinvested back into your portfolio for compounding. So having some physical gold in there, getting some additional growth there, holding about 10% is great.\n\nThe other thing we all tend to like about physical gold is that it is a bit of a safe haven. So we see a lot of growth there, but when equities don't perform so well, people tend to move money into into gold as a bit of a safe haven. So it can act defensively when it needs to as well, which is great. And then because even that growth portfolio, which as we kinda went through last time has the eighty twenty split between growth and defensive investments, we also want some lower risk defensive investments. So we're looking at core composite bonds.\n\nSo this is giving you access and exposure to government as well as corporate bonds. Bonds are very similar to term deposits, pay income payments on a regular basis, and they are reinvested back into your portfolio for compounding. 10 normally, bonds like term deposits and other fixed interest investments, When equities aren't performing so well, these investments do tend to provide good growth as well. So it's a bit of a combination of both. These are seen as lower risk, and it's good to have a bit of a mix in there for you.\n\nSo this is essentially where you would see your funds invested after moving out of the Brighter Super. I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested. But did you have any other questions about those investments? Did you want me to go a bit deeper on anything for you? Beautiful.\n\nExcellent. Do you have any questions for any of those at all, Scott? They exactly are. Yeah. Yeah.\n\nExcellent. On the next page, you'll see there the cash account. So we do need to hold 1.25% cash there. That essentially means it will hold $6,410.59 in cash. Okay.\n\nBeautiful. With the next one, if you go down the page number 36 there for me, this is just about retaining your deferred benefit with QSuper. Essentially, there's no changes here. This is a great product. The funds are sitting in here.\n\nThey just grow along with, you know, the the average wage option. They just grow along with the internal indexation growth rate, which is fantastic, and it's kind of having a little bit of a safe net in the back end for you as well. So keeping this there down the track, would we'll have a look at it again around the age 55 to sort of see, you know, how it's tracking and whether there is any is it whether it is worth changing. Because of the different taxation rules within this product, it is generally better to wait till age 60 to be able to move it around, but we'll look at it at age 55 as well as 60 to sort of work out when it is a more suitable time to do so for you, what that looks like for you, and when it provides a greater benefit to do so. And I'm looking forward to this.\n\nI really enjoy these products. They are fantastic. I actually asked my boss to set, like, a defined benefit. I asked him, like, no. So they are a really, really good in, super product.\n\nSo we'll keep that there as long as we can. I do and have outlined why that is in your best interest as well as any advantages, disadvantages, risks involved, and any alternatives that we have considered as part of the research for you for this one as well. Okay? Beautiful. The next page on page number 40, this is essentially looking at the insurance side of things for you.\n\nBeautiful. So the same as last time, I am recommending that you just retain the level of coverage you have within Brighter Super Bowl, but we transfer it to hub twenty four. We did do the questions last time to confirm eligibility. It is cheaper to hold the the same insurance cover within hub twenty four. It saves you a bit of money, which is really important to note.\n\nThe other side of that, as we kinda went through last time, is your employer is currently paying for your insurances within Brighter Super. So it does mean that you'll lose out on that little bit of extra money that's being paid for the insurances. These insurances will then be paid out of your super fund, but they are also cheaper. So when we look at the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly. Long term, it provided a much greater benefit there for you, and it's still keeping the same level of cover there.\n\nOkay? Excellent. Underneath that, I've got the best interest duties for outlining how this meets your goal and what's in your best interest to do so. And we've also got the advantages, disadvantages, and the risks involved there for you. Beautiful.\n\nSorry. On page 42 as well, we do also have a little table, and that just shows you your current recommended. But it also shows you if you weren't paying for any insurances out of your super, essentially, the impact over the next five to twelve years there, you will see when you look at this twelve year impact, it is only very minimal. So these insurances aren't having as huge an effect on you or or on your super long term, but it is important to note that they are there to provide you with a little bit of cover. And if you were to claim on them, a 106,000, you know, could definitely provide you with a little bit of extra benefit there as well.\n\nBeautiful. Sorry. On page number 45, we've got down with your income protection policy. So you do have your income protection policy through your employer. That is a beautiful policy.\n\nI've got all the same information there from the last time there. I reread sorry. Sorry. Rereread their, PDF disclosure statements as well. This is fantastic.\n\nSo keeping this basically means that you've got that income protection cover there without having to pay the premiums. And, honestly, the best type of insurances you can have is cover you don't have to pay for. So retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection. And one of the biggest things is that when you do apply for income protection, because it's the first thing we claim on, it is the most expensive type of insurances to hold. So having this here, does provide you with a good benefit.\n\nThey essentially have that forty five day waiting period. They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks. So it is really good. The only sort of downside is the older you get, the less the benefit period is. So when you're under, you know, sort of seventy seventy years of age, they cover a hundred and four weeks.\n\nWhen you get to 70 or 75, it drops to fifty two weeks. And when you're over 75 years of all age, they only cover you for thirteen weeks. So that's probably the real disadvantage of this product. But you're well and truly under 70. So a hundred and four weeks of income protection, and starting thirteen weeks of a 100% of your income is absolutely unheard of because, as of currently, income protection products only cover up to 70% of your income, so this is a really good product to keep for you.\n\nExcellent. The next sorry. The next page down is going to be for Scott. If you can go to page number 49 for me. Yeah.\n\nThis is you. I promise I haven't forgotten you. All good. So with this one here, as I kinda went through with you, Scott, we did provide advice in March, and that was to alter your superannuation portfolio. I've gone back and reviewed all of that with you.\n\nIt is working really well at the moment. There's no real need to change your portfolio within hub twenty four currently. So I'm recommending you retain the super fund and also the portfolio as it is. But we are gonna in the back end, the same as with Lisa, we'll set up the family fee aggregation for you. That way, it is all linked in the back end.\n\nAnd and, again, we sort of worked out it's a bit over $819 that we can work out that you do save combined on administration fees. That's a really good saving for you both. Okay. Beautiful. We on the next page down on the sorry.\n\nPage 50, this is where we looked at the insurance side of things for you. So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or down to zero and basically cancel them out. You currently have about 551,250 of life and TPD paid within super, and you're it's costing about $1,597 currently. What I am recommending is that we don't cancel it completely. I'm just recommending you reduce it back to 250,000.\n\nThe main reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have. However, you do also have your CGT bill and you wanna buy your caravan. And as much as that you know, it's still only a very small amount. If you were to pass away, that extra 250,000 plus your super balance paid to Lisa would allow her, if she needed to, to stop working completely, you know, take care of the family. Other family members come in.\n\nFunerals are expensive. There's lots of things to work out, but then it would allow her time to grieve and stop working completely if that's what she wanted to do as well. So having that little bit of extra cover was really important. The other thing that kinda came to me when I was looking at this was what happens if you're TPD without having this even smaller of total permanent disability? If you were never able to go back to work again due to permanent incapacity, and Lisa had dropped to 5050% of her hours, without having this kind of buffer, she may have to while her income still covers your regular expenditure, it does add a little bit of extra pressure to her.\n\nShe may have to then increase hours and go back to full time work, which is, again, adds additional pressure. The other reason people have TBD cover is to replace vehicles, to add home modifications for ongoing support, care, and sometimes rehabilitation costs are involved as well. So, I sort of looked at everything, weighed up the risks, and looked at all the different outcomes there and decided that you keeping that two hundred and fifty thousand of TBD and life was appropriate. We're reducing it basically by half. So it does reduce the cost of the premium, which is important because that then allows more money to stay inside your super long term.\n\nBut dropping it down in increments means that we're not making a huge drastic change. So giving you a little bit of cover is better than having none currently. And when you think about the risks involved with even just your job, you know, TBD is probably a big thing to consider. You're more likely to have, you know, an accident or something happen where you're fully disabled or maybe not able to go back to work rather than the the life event, but having that little bit of extra cover is really important. The other side of it is this cover is sort of set in place with no major loadings or exclusions there.\n\nSo if, you know, we were to cancel that completely and then you decided at a later time you wanted to reinstate the cover, we have to go back to an application. And that essentially means that if your health has changed, there could be loading exclusions that could be more expensive as well. So it does work out better to drop it down in increments, keep that level of cover as a buffer because there is still a risk of something happening to you, and making sure that if something did happen, that the pressure isn't left all on Lisa to kind of work full time, cover the bills, and or any additional expenses that come up there. So that's the reason I've made that recommendation and suggested we do keep that 250,000 of life and TV. Does that make sense?\n\nYep. Do you have any questions then? Yeah. Absolutely. On the next page down is the income protection component.\n\nSo because you have reduced your hours with income protection policies, you can cover up to 70% of your income there. Your income protection was based on your higher income, so you were a bit over insured there. And as I kinda mentioned, income protection is the first thing we claim on, so it is much it is the highest part of our insurance cost, essentially. You were paying a bit over $3,000 for your income protection policy. I've kept the waiting and benefit periods the same as a user to say you're comfortable with those, but I have recommended that you do reduce your income protection monthly benefit back so that it sits at 70% of your current income amount.\n\nThat way, you're not over insured. One of the biggest things that we do have is when we're over insured, we're paying for insurances we can't actually claim on, and that just doesn't seem to make any sense at all. So reducing that back saves you a bit more of a premium and keeps your income protection policy in line with 70% of your current income amount. Does that make sense? Yep.\n\nBeautiful. On the next page, I've outlined the best interest duty there for you. Just noting basically what I have gone through there, just outlining why this remains in your best interest. And then I've also got the advantages, disadvantages, and the risks involved there. On page number 53, we've also got, the outcome projection table, essentially.\n\nSo having a look at your current and recommended, this sort of shows you your current your current super balance with all the fees coming out currently and your current insurance premiums and the impact over the next five to ten years there. The recommended does the same with the reduction. So it'll essentially reduce your insurance premiums from over $4,600 to 2,232, which is a great saving up front. And then it projects it over the next five to ten years to where your super balance should end up based on the changes and the recommendations. And it also shows you the impact if you were not paying for any insurances out of your super.\n\nWe just sort of like to let you know that it does have an impact on your retirement because we are paying these out of our super fund. But you can see by reducing that down, the impact is definitely lesser. It's also saving you a bit of money, keeping it, you know, invested for a much bigger compounding effect down the track there, which is great. Beautiful. Do you have any questions at all so far?\n\nBeautiful. Excellent. I've also outlined the advantages, disadvantages, the risks, and any alternatives there, so you are welcome to run your eyes over those. On page number 55, we do have the beneficiary side of things. Beautiful.\n\nSo, essentially, what we're recommending with the beneficiary is that you nominate each other. You'll see a little bit of a table on page 56 there. It's essentially making sure that, Lisa, you've nominated a 100% to Scott through your q super deferred benefit and also your hub twenty four super account. And, Scott, we have got your beneficiary on file updated for Lisa on your super. I've been waiting for Zurich to come back and confirm that it's on file for them as well.\n\nSo I'm just gonna update the Zurich beneficiary to make sure that that is a 100% set up, that there's no issues with that to protect you guys in the event that anything occurs. The last thing we sort of want is for something to happen and then for the claims process to take longer and also and be a bit of a pain to your family members. So just making sure your Zurich life insurance policy is reflective and just making sure that leases have 24 super and q super do nominate yourself as well. So in the event that anything was to happen, and I want nothing to happen, that your beneficiaries can be paid to each other nice and comfortably. Okay?\n\nBeautiful. The only other thing in there is essentially looking at wills and powers of attorney. So just making sure that you do look at speaking to a solicitor, having a will and power of attorney drawn up. Those are also really important. Beautiful.\n\nExcellent. I also like them to be reviewed on a regular basis. Generally speaking, every sort of three to five years, just reviewing them, even between yourselves or speaking to a solicitor, just making sure that everything is correct and updated. One of the biggest things that I do find is how does people not having them at all is that they've been done twenty odd years ago. So just making sure every couple of years, you guys review them, talk about them, even have a solicitor review them to make sure they're appropriate for you both as well.\n\nOkay? Love that. Beautiful. Oh, that's easy, isn't it? Beautiful.\n\nAnd then as I kinda mentioned at the start, I did look at the projected outcome for your super there as well. So on page number 62, I have got a little projected outcome that shows you based on the annual income of 96,000 for your both, which is your goal, to be just deducted essentially equally from each of your super accounts there. This does sort of meet your goal. It does show that you can essentially draw. This has got a figure about 107,000 per year between both of your super accounts there from your retirement age, and the super is expected to last anywhere up to about 98, ninety nine years of age.\n\nThis is just taking into account your hub twenty four super accounts and not taking into account the defined benefit aspect of it. We can't because they won't give us the growth rates behind the scenes there. That is all kept very well under wraps, and it is determined each year within the q super deferred benefit product as well. So, obviously, having that in there does provide a greater effect for you, and we wanna review things on a regular basis to make sure we keep you on track. Because we're projected forward and both of you have great balances and are projected to have great balances, it also does mean, unfortunately, you're probably not gonna be eligible for Centrelink.\n\nHowever, down the track, I do wanna look at, you know, where we end up closer to retirement at age 67, you know, what your balances look like, whether we can maybe look at getting some Centrelink for you as well to sort of supplement some of the super to provide even further a benefit for you. The other side of Centrelink is it's not always just the amount that you receive from them. It's also the health care card, which provides greater benefits and cheaper medications and health care and things like that. So if there's a chance that we can look at that down the track and shelters shelter money, we can look at annuities, then we'll definitely look at doing that to provide greater benefit there. But with you reducing your hours and with the change in income, I did look at salary sacrificing.\n\nHowever, it doesn't look like we need to currently. We'll keep reviewing it. If we find we need you down the track, we'll definitely start. But right now, this shows that you're on track to meet your goals that you guys are after. So that's essentially where we're at with that.\n\nPerfect. Do either of you have any questions? You're welcome to let me know if you do. No. Beautiful.\n\nI would do just wanna update a couple of small things and other things that we noted. I will do that, and I'll resend the audio sign. I'm going to stop that audio sign that came through and resend it because it it's just coming up with a bit of an error on my end of things, and I think because I've attached so many documents to it. So I'm just gonna cancel that one, redo the document. I'll update that little section in there as well that has Andrew Scott.\n\nSorry about that. They probably got a bit confused with your surname. And I'll just go back and resend that to you shortly. In this email as well, I've also got the appendices for you. And in there, at once, a lot of the research that we have completed.\n\nSo it's got the research around your income estimates with reducing your hours versus your current. It's also got all of the links to the PDFs for all the investments if you're interested and wanna have a bit of a look through those. It's also got some like for like comparisons, and it does also have an updated probably a little bit more of a dollar side projection table with withdrawing funds out of your super as well. So it just sort of shows you a little bit more of a dollar, you know, stick on how long that's expected to last based on our current research there. And this all just needs to be continuously updated and reviewed.\n\nI do reviews with all of my clients every three or six months depending on what they would prefer. I think, Scott, you wanted six months last time. Is that still fairly accurate? Beautiful. Yep.\n\nLisa, you're happy with six months as well, or did you want something a little bit more? Beautiful. Excellent. Fantastic. You'll also note in the back of the document there, the ongoing service fee is 1.10% for both of you.\n\nSo, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well. There's no implementation fees for your side of things, Scott, because you're already a client. And, Lisa, I've got your $495.00 on there for you as a flat fee. And then with the insurance aspect, so I'm just really honest and just making sure you're aware that with your insurance later, there'll be no remuneration made to us. That's all.\n\nJust a transfer of group cover. But, Scott, you we do receive 22% ongoing of your Zurich premiums as well, and that's estimated to be $491 per year. So this is really important that you're aware that the advice provided isn't about the fees for me. It's about making sure we're meeting your goals. And I have honestly thoroughly loved putting this together for you both, and I just can't thank you enough for the opportunity.\n\nIt's been fantastic. I've really enjoyed it. Oh, not a problem at all. If you did want to, on page number 70 sorry. It is a really long document.\n\nI have set out how we would implement this advice piece for you. So you're welcome to run your eyes over that, have a look at essentially what we'll do for you in the different stages so you can, you know, see where or how the implementation would work for you both. Beautiful. Excellent. Is there any questions that have come up in relation to any of that or anything that you maybe wanted to change or any anything at all?\n\nOh, you absolutely can. Yeah. Yeah. Perfect. So because it's so big, it wouldn't let me attach the all the supporting documents, and then it was having a little bit of a bit trying to send out.\n\nSo I think I've just tried to attach too much to it. I've made technology work too hard. So I'll just go back, and I'll void that one, and I'll resend it out to you shortly so it's all nice and clear and easy for you. Okay? Beautiful.\n\nThank you so much. When you do get that, Lisa, we've also got a copy of your fax lines, your risk profile, the things that we filled out for yourself. I've got external third party authorities on there so that we when you come on board, we can talk to each of you about each other's accounts. As I kinda mentioned last time, it just provides that little bit of extra benefit. If one of you need to ask questions about each account, you can.\n\nAnd it also means if one of you are in hospital or something happened, you can call and go, hey. Scott's in hospital. I need to do this, this, and this, and we can help you out. So we've got all of those. We'll also do a lost super search for you.\n\nWe'll make the ACO go out there and see if there's anything in the ether that we can help to consolidate for you aside from what we know about. And then you've also got your application forms and things attached so we can start an implementation process for you. And easy and I'll send you an email as well if you can just shoot me back a copy of your driver's license. And Maddie will also need to obtain your tax file number prior to opening up your hub twenty four super account, and she'll let you know when she needs that. Okay?\n\nBeautiful. Thank you so much for your time. I really appreciate. I'm sorry. It's very long.\n\nIt's quite a lot to go through. No worries. If either of you have any questions, please let me know. Happy to answer anything that you might have once you've taken some time to read it over. You too.\n\nThank you. Enjoy your dinner. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Lisa.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.058971138671040535},{"text":"It's Dana from Oakview Financial.","start":2.48,"end":4.16,"sentiment":"neutral","sentiment_score":0.07125637084245681},{"text":"How are you this afternoon?","start":4.16,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.14031862169504167},{"text":"I'm very well.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.5903702775637308},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.7085971236228943}],"sentiment":"neutral","sentiment_score":0.25671307764509144,"num_words":17,"start":1.8399999,"end":8.96},{"sentences":[{"text":"Thanks for asking.","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6648815472920736},{"text":"I've got you both booked in.","start":10.32,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.32983388503392536},{"text":"Is now still a good time just to run through things and start a bit earlier for you, buddy?","start":11.5199995,"end":15.46,"sentiment":"neutral","sentiment_score":0.231513443353929},{"text":"Fantastic.","start":17.535,"end":18.035,"sentiment":"positive","sentiment_score":0.6293115615844727},{"text":"That's okay.","start":18.175,"end":18.734999,"sentiment":"positive","sentiment_score":0.3405512720346451}],"sentiment":"neutral","sentiment_score":0.3123489510147802,"num_words":31,"start":8.96,"end":18.734999},{"sentences":[{"text":"Is Scott there with you as well?","start":18.734999,"end":20.355,"sentiment":"neutral","sentiment_score":0.12590453986610686},{"text":"Hey, Scott.","start":21.615,"end":22.175,"sentiment":"neutral","sentiment_score":0.12663599848747253},{"text":"How are you?","start":22.175,"end":22.734999,"sentiment":"neutral","sentiment_score":0.13111591339111328},{"text":"How's your day been?","start":22.734999,"end":23.955,"sentiment":"neutral","sentiment_score":0.08816109225153923},{"text":"Oh, that's excellent.","start":25.454998,"end":26.595,"sentiment":"positive","sentiment_score":0.5625396569569906}],"sentiment":"neutral","sentiment_score":0.1878007818993769,"num_words":19,"start":18.734999,"end":26.595},{"sentences":[{"text":"So I'm just gonna send through the DocuSign there through to you.","start":26.735,"end":29.85,"sentiment":"neutral","sentiment_score":0.23971431702375412},{"text":"Before I do jump into the call, I just have to let you both know our calls are recorded for training and quality purposes.","start":30.09,"end":35.21,"sentiment":"neutral","sentiment_score":0.12796425571044287},{"text":"Are you both happy for me to proceed with that?","start":35.21,"end":37.47,"sentiment":"neutral","sentiment_score":0.22958099246025085},{"text":"Fantastic.","start":38.89,"end":39.39,"sentiment":"positive","sentiment_score":0.5279685258865356},{"text":"And I just need to do security with you, if I could.","start":39.53,"end":42.09,"sentiment":"neutral","sentiment_score":0.20507854844133058}],"sentiment":"neutral","sentiment_score":0.1903802537817066,"num_words":59,"start":26.735,"end":42.09},{"sentences":[{"text":"If I can get you both to say your name and and date of birth and just one of you to provide an address, that would be absolutely perfect if possible.","start":42.09,"end":48.855003,"sentiment":"neutral","sentiment_score":0.20266549625704366},{"text":"Yep.","start":52.995003,"end":53.495003,"sentiment":"neutral","sentiment_score":0.05077146738767624},{"text":"Beautiful.","start":54.915,"end":55.415,"sentiment":"neutral","sentiment_score":0.19800633192062375},{"text":"Beautiful.","start":60.519997,"end":61.019997,"sentiment":"neutral","sentiment_score":0.32706665992736816},{"text":"Thank you so much for that.","start":61.16,"end":62.44,"sentiment":"positive","sentiment_score":0.5162292023499807}],"sentiment":"neutral","sentiment_score":0.24889625143259764,"num_words":40,"start":42.09,"end":62.44},{"sentences":[{"text":"Now you're gonna receive a separate email as well.","start":62.44,"end":65.259995,"sentiment":"neutral","sentiment_score":0.163941643304295},{"text":"We had quite a few supporting documents, things like PDFs for the recommended products, and they just didn't all kind of fit in the original Odoo sign.","start":65.4,"end":75.805,"sentiment":"neutral","sentiment_score":0.04006050025216407},{"text":"So I'm sending a separate email to the both of you with those sort of supporting documents for you to be able to go through and have a read of, and, also, just sending to the the order signed for you with the actual advice document.","start":75.805,"end":88.56,"sentiment":"neutral","sentiment_score":0.12133504632536483},{"text":"Order is a little bit slow this afternoon, so hoping it comes through fairly quickly for you both there.","start":88.619995,"end":94.079994,"sentiment":"neutral","sentiment_score":-0.05912366058481367},{"text":"Sorry.","start":95.899994,"end":96.399994,"sentiment":"neutral","sentiment_score":-0.15370520949363708}],"sentiment":"neutral","sentiment_score":0.06726927124420364,"num_words":102,"start":62.44,"end":96.399994},{"sentences":[{"text":"No.","start":105.655,"end":106.155,"sentiment":"neutral","sentiment_score":-0.10930497944355012},{"text":"That's okay.","start":106.215,"end":107.115,"sentiment":"neutral","sentiment_score":-0.15126311033964157},{"text":"Yeah.","start":107.494995,"end":107.814995,"sentiment":"neutral","sentiment_score":-0.06379622220993042},{"text":"And just double check your junk mail as well.","start":107.814995,"end":109.735,"sentiment":"neutral","sentiment_score":-0.12199164471692509},{"text":"Sometimes I just get diverted to junk.","start":109.735,"end":111.755,"sentiment":"neutral","sentiment_score":-0.10076833622796195}],"sentiment":"neutral","sentiment_score":-0.11394652891904115,"num_words":20,"start":105.655,"end":111.755},{"sentences":[{"text":"Oh, yes.","start":123.74,"end":124.32,"sentiment":"neutral","sentiment_score":0.013359257485717535},{"text":"Oh, wow.","start":124.53999,"end":125.439995,"sentiment":"neutral","sentiment_score":0.05225272011011839},{"text":"Oh, you're right.","start":127.275,"end":130.715,"sentiment":"neutral","sentiment_score":0.04678368692596754},{"text":"Is he okay?","start":130.715,"end":131.595,"sentiment":"neutral","sentiment_score":0.025666996836662292},{"text":"Do you need to attend to him at all?","start":131.595,"end":133.615,"sentiment":"neutral","sentiment_score":0.015896369703114033}],"sentiment":"neutral","sentiment_score":0.025875964937241452,"num_words":19,"start":123.74,"end":133.615},{"sentences":[{"text":"Oh, that's all good.","start":134.715,"end":136.335,"sentiment":"neutral","sentiment_score":0.3130263276398182},{"text":"No.","start":138.155,"end":138.475,"sentiment":"neutral","sentiment_score":0.010212846100330353},{"text":"That's absolutely fine.","start":138.475,"end":139.68,"sentiment":"neutral","sentiment_score":0.1236574798822403},{"text":"If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice.","start":139.92,"end":150.64,"sentiment":"neutral","sentiment_score":0.009426548578884713},{"text":"You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you.","start":150.64,"end":158.675,"sentiment":"neutral","sentiment_score":0.14083685995689754}],"sentiment":"neutral","sentiment_score":0.07653626404935494,"num_words":80,"start":134.715,"end":158.675},{"sentences":[{"text":"It was just sent through a short time ago, so about none have come through yet.","start":161.695,"end":168.49501,"sentiment":"neutral","sentiment_score":-0.07023973832838237},{"text":"Oh, goodness.","start":168.49501,"end":169.13501,"sentiment":"neutral","sentiment_score":-0.06423652544617653},{"text":"It is a big email.","start":169.13501,"end":170.335,"sentiment":"neutral","sentiment_score":-0.11772289723157883},{"text":"I'm not gonna lie.","start":170.335,"end":171.395,"sentiment":"neutral","sentiment_score":-0.1254865676164627},{"text":"We normally put all of these additional documents in that OdoSign with everything, but it is quite a large email that I'm sending through.","start":172.15,"end":178.39,"sentiment":"neutral","sentiment_score":-0.11001598198587696}],"sentiment":"neutral","sentiment_score":-0.09771084683198555,"num_words":51,"start":161.695,"end":178.39},{"sentences":[{"text":"So it had to come through as two separate.","start":178.39,"end":180.39,"sentiment":"neutral","sentiment_score":-0.07839062561591466},{"text":"Sorry about that.","start":180.39,"end":181.53,"sentiment":"neutral","sentiment_score":-0.18118758499622345},{"text":"Mhmm.","start":182.70999,"end":183.18999,"sentiment":"neutral","sentiment_score":0.06087803095579147},{"text":"All good.","start":183.18999,"end":183.82999,"sentiment":"neutral","sentiment_score":0.26597532629966736},{"text":"And how did your holiday go?","start":183.82999,"end":185.18999,"sentiment":"neutral","sentiment_score":0.20610465357700983}],"sentiment":"neutral","sentiment_score":0.027637058070727756,"num_words":21,"start":178.39,"end":185.18999},{"sentences":[{"text":"I know you both had a bit of a a holiday as well.","start":185.18999,"end":187.63501,"sentiment":"neutral","sentiment_score":0.14885359773269066},{"text":"How was that?","start":187.63501,"end":190.13501,"sentiment":"neutral","sentiment_score":0.14020873606204987},{"text":"Oh.","start":191.395,"end":191.895,"sentiment":"neutral","sentiment_score":0.2896861433982849},{"text":"Oh, fantastic.","start":191.955,"end":192.695,"sentiment":"positive","sentiment_score":0.41156522929668427},{"text":"A bit of downtime.","start":192.91501,"end":193.795,"sentiment":"neutral","sentiment_score":0.260552279651165}],"sentiment":"neutral","sentiment_score":0.19611950866554095,"num_words":23,"start":185.18999,"end":193.795},{"sentences":[{"text":"It's always nice, isn't it?","start":193.795,"end":195.335,"sentiment":"neutral","sentiment_score":0.25932287871837617},{"text":"Fantastic.","start":196.835,"end":197.335,"sentiment":"positive","sentiment_score":0.4011463522911072},{"text":"I'm just refreshing my system because I can see that they're both being sent.","start":198.755,"end":203.0,"sentiment":"neutral","sentiment_score":0.25057352014950346},{"text":"There we go.","start":204.74,"end":205.8,"sentiment":"neutral","sentiment_score":0.04375968252619108},{"text":"Yeah.","start":230.12999,"end":230.62999,"sentiment":"neutral","sentiment_score":-0.08935767412185669}],"sentiment":"neutral","sentiment_score":0.2186546417263647,"num_words":24,"start":193.795,"end":230.62999},{"sentences":[{"text":"Told you it was big.","start":230.84999,"end":231.81,"sentiment":"neutral","sentiment_score":-0.16198148131370543},{"text":"Sorry.","start":231.81,"end":232.31,"sentiment":"neutral","sentiment_score":-0.09180646389722824},{"text":"Yeah.","start":236.61,"end":237.01,"sentiment":"neutral","sentiment_score":-0.0014826403930783272},{"text":"No.","start":237.01,"end":237.25,"sentiment":"neutral","sentiment_score":-0.029115507379174232},{"text":"That's okay.","start":237.25,"end":238.06999,"sentiment":"neutral","sentiment_score":0.10674622654914856}],"sentiment":"neutral","sentiment_score":-0.07188195651397108,"num_words":10,"start":230.84999,"end":238.06999},{"sentences":[{"text":"And this one, hopefully, shouldn't be too far behind it.","start":238.12999,"end":241.09,"sentiment":"neutral","sentiment_score":0.16918573305010795},{"text":"This one has, again, quite a few documents in it as well.","start":241.09,"end":244.54999,"sentiment":"neutral","sentiment_score":0.11324173212051392},{"text":"Here we go.","start":252.35501,"end":253.155,"sentiment":"neutral","sentiment_score":0.05476010342439016},{"text":"I'm just resending this one as well because it might also just be that it hasn't quite sent through fully.","start":253.155,"end":262.41998,"sentiment":"neutral","sentiment_score":0.025284992530941963},{"text":"So I'm just pressing the resend button there as well.","start":262.41998,"end":265.48,"sentiment":"neutral","sentiment_score":0.030345601215958595}],"sentiment":"neutral","sentiment_score":0.07316716889088803,"num_words":55,"start":238.12999,"end":265.48},{"sentences":[{"text":"Okay.","start":298.05,"end":298.44998,"sentiment":"neutral","sentiment_score":0.04403301328420639},{"text":"Let's see if this works again for you.","start":298.44998,"end":301.225,"sentiment":"neutral","sentiment_score":0.068163535092026},{"text":"I'm just retyping in your email address just to make sure that we are sending everything correctly.","start":302.64502,"end":309.225,"sentiment":"neutral","sentiment_score":0.060553726466263044},{"text":"Oh, that's good.","start":316.64,"end":317.94,"sentiment":"positive","sentiment_score":0.36106546719868976},{"text":"Oh, that's really good.","start":321.68,"end":323.28,"sentiment":"positive","sentiment_score":0.6069209426641464}],"sentiment":"neutral","sentiment_score":0.15544347927877397,"num_words":33,"start":298.05,"end":323.28},{"sentences":[{"text":"I love that.","start":323.28,"end":324.26,"sentiment":"positive","sentiment_score":0.7422497868537903},{"text":"Here we go.","start":328.96,"end":329.68,"sentiment":"neutral","sentiment_score":0.2235769828160604},{"text":"Alright.","start":329.68,"end":330.165,"sentiment":"neutral","sentiment_score":0.0956282913684845},{"text":"So just double checking.","start":330.325,"end":331.20502,"sentiment":"neutral","sentiment_score":0.06541959941387177},{"text":"I've got emails here as lisa.andrews11@bigpond.com and Scott .andrews11@bigatbigpond.com as well.","start":331.20502,"end":339.385,"sentiment":"neutral","sentiment_score":0.04662793857807463}],"sentiment":"neutral","sentiment_score":0.17125883283601565,"num_words":22,"start":323.28,"end":339.385},{"sentences":[{"text":"Yep.","start":340.245,"end":340.64502,"sentiment":"neutral","sentiment_score":0.13395676016807556},{"text":"Beautiful.","start":340.64502,"end":341.14502,"sentiment":"positive","sentiment_score":0.3990049958229065},{"text":"I'm just gonna resend this one again.","start":341.285,"end":343.125,"sentiment":"neutral","sentiment_score":0.1679856606892177},{"text":"It's a pretty large document with a few things in it, so I'll press send on that again.","start":343.125,"end":348.48,"sentiment":"neutral","sentiment_score":0.06481769474016295},{"text":"Yep.","start":361.395,"end":361.635,"sentiment":"neutral","sentiment_score":0.07082903385162354}],"sentiment":"neutral","sentiment_score":0.1052288899996451,"num_words":28,"start":340.245,"end":361.635},{"sentences":[{"text":"That's the one.","start":361.635,"end":362.435,"sentiment":"neutral","sentiment_score":0.08604233711957932},{"text":"Beautiful.","start":362.435,"end":362.935,"sentiment":"neutral","sentiment_score":0.23314425349235535},{"text":"Not yet.","start":372.835,"end":373.65,"sentiment":"neutral","sentiment_score":-0.012987778056412935},{"text":"So if you can, press on the button that does say sign once you've both received it.","start":373.97,"end":378.85,"sentiment":"neutral","sentiment_score":0.04361083029824145},{"text":"You should both get an invite to it.","start":378.85,"end":381.03,"sentiment":"neutral","sentiment_score":0.12512370012700558}],"sentiment":"neutral","sentiment_score":0.07121514273627151,"num_words":31,"start":361.635,"end":381.03},{"sentences":[{"text":"You'll press the button that says to sign it, but it just allows you to go forward so you can review each of the documents there.","start":381.49,"end":387.83,"sentiment":"neutral","sentiment_score":0.10867076510420212},{"text":"Beautiful.","start":388.725,"end":389.225,"sentiment":"positive","sentiment_score":0.38435986638069153},{"text":"Now on those documents, there should be either a button that says next or an arrow so you can scroll through those documents.","start":389.285,"end":395.385,"sentiment":"neutral","sentiment_score":0.1073090453510699},{"text":"Yep.","start":396.725,"end":397.20502,"sentiment":"neutral","sentiment_score":0.1078602820634842},{"text":"Beautiful.","start":397.20502,"end":397.70502,"sentiment":"positive","sentiment_score":0.5436356067657471}],"sentiment":"neutral","sentiment_score":0.12171930174988049,"num_words":52,"start":381.49,"end":397.70502},{"sentences":[{"text":"Excellent.","start":397.92502,"end":398.42502,"sentiment":"positive","sentiment_score":0.49977585673332214},{"text":"So this is the statement of advice, it wouldn't let us shuffle the documents around because technology is having a bit of problem today.","start":398.565,"end":404.80002,"sentiment":"neutral","sentiment_score":-0.051839648823564254},{"text":"So if you sort of go through, it is the sixth document along out of the eight.","start":405.34,"end":410.38,"sentiment":"neutral","sentiment_score":0.013061799081590246},{"text":"So if you can just press the next button till you get to the document that says statement of advice there for me.","start":410.38,"end":415.12,"sentiment":"neutral","sentiment_score":0.012433649972081184},{"text":"Yeah.","start":422.40503,"end":422.90503,"sentiment":"neutral","sentiment_score":-0.05941730737686157}],"sentiment":"neutral","sentiment_score":-0.0044813407373360615,"num_words":66,"start":397.92502,"end":422.90503},{"sentences":[{"text":"That's okay.","start":424.165,"end":424.98502,"sentiment":"neutral","sentiment_score":-0.05590367503464222},{"text":"Oh, okay.","start":431.75,"end":432.56998,"sentiment":"neutral","sentiment_score":-0.12373053282499313},{"text":"Very bizarre.","start":432.63,"end":433.50998,"sentiment":"negative","sentiment_score":-0.34070077538490295},{"text":"Will it let you yep.","start":433.50998,"end":437.03,"sentiment":"neutral","sentiment_score":-0.06972554437816143},{"text":"So that one there is the last document.","start":437.03,"end":439.93,"sentiment":"neutral","sentiment_score":-0.01502842572517693}],"sentiment":"neutral","sentiment_score":-0.0794486891674368,"num_words":19,"start":424.165,"end":439.93},{"sentences":[{"text":"If you go back one document, does it have an arrow or button so you can scroll back at all?","start":439.99,"end":444.795,"sentiment":"neutral","sentiment_score":-0.01987754344008863},{"text":"Yeah.","start":448.875,"end":449.375,"sentiment":"neutral","sentiment_score":0.05701959878206253},{"text":"That's that's all good.","start":449.595,"end":451.695,"sentiment":"positive","sentiment_score":0.3569626845419407},{"text":"The statement of advice.","start":465.22998,"end":466.61,"sentiment":"neutral","sentiment_score":0.009024948347359896},{"text":"Yeah.","start":466.99,"end":467.49,"sentiment":"neutral","sentiment_score":0.002343597821891308}],"sentiment":"neutral","sentiment_score":0.03752542864531279,"num_words":30,"start":439.99,"end":467.49},{"sentences":[{"text":"Oh, that's really bizarre.","start":474.365,"end":475.825,"sentiment":"negative","sentiment_score":-0.3698946610093117},{"text":"Can you see the can you see each of the documents by heading on the side of it at all?","start":478.525,"end":484.3,"sentiment":"neutral","sentiment_score":-0.0023162892553955316},{"text":"No.","start":486.44,"end":486.68,"sentiment":"neutral","sentiment_score":-0.04788395017385483},{"text":"That's okay.","start":486.68,"end":487.41998,"sentiment":"neutral","sentiment_score":0.008374626049771905},{"text":"There is that's okay.","start":487.48,"end":489.16,"sentiment":"neutral","sentiment_score":0.0422965083271265}],"sentiment":"neutral","sentiment_score":-0.04476945464228911,"num_words":31,"start":474.365,"end":489.16},{"sentences":[{"text":"There's something else that we can do if you it's easier for you, actually.","start":489.16,"end":492.7,"sentiment":"neutral","sentiment_score":0.1318187639117241},{"text":"If you go back into my supporting documents email and go down to the attachments, I've actually attached the whole statement of advice in there for you.","start":492.91998,"end":500.415,"sentiment":"neutral","sentiment_score":0.08834541244087396},{"text":"We can just open up that one and go through that one to make it easier, and then I can always resend this if it's if the Odoo isn't working properly because it has had a little bit of a bug today.","start":500.415,"end":512.15,"sentiment":"neutral","sentiment_score":-0.026917715867360432},{"text":"It's been a bit slow and not really doing what I want it to.","start":512.15,"end":514.71,"sentiment":"neutral","sentiment_score":-0.30164120559181484},{"text":"I can always resend it if you have any problems kinda going through and reading the documents.","start":514.71,"end":519.13,"sentiment":"neutral","sentiment_score":-0.03135752425912548}],"sentiment":"neutral","sentiment_score":-0.014524649354841625,"num_words":114,"start":489.16,"end":519.13},{"sentences":[{"text":"Yeah.","start":520.63,"end":521.11,"sentiment":"neutral","sentiment_score":0.14171834290027618},{"text":"Otherwise hopefully, it'll just need a second.","start":521.11,"end":523.125,"sentiment":"neutral","sentiment_score":0.10698523904596056},{"text":"It might load for you a bit later on.","start":523.125,"end":525.385,"sentiment":"neutral","sentiment_score":0.10681929273737802},{"text":"Yeah.","start":527.28503,"end":527.68506,"sentiment":"neutral","sentiment_score":0.1412445455789566},{"text":"Excellent.","start":527.68506,"end":528.18506,"sentiment":"positive","sentiment_score":0.4715081453323364}],"sentiment":"neutral","sentiment_score":0.1297232285141945,"num_words":19,"start":520.63,"end":528.18506},{"sentences":[{"text":"So on that one there you've got that one?","start":528.405,"end":531.22504,"sentiment":"neutral","sentiment_score":0.12320891602171792},{"text":"Beautiful.","start":531.92505,"end":532.42505,"sentiment":"positive","sentiment_score":0.738776445388794},{"text":"So that one there is a statement of advice prepared for both of yourselves.","start":532.965,"end":536.34503,"sentiment":"neutral","sentiment_score":0.2611744829586574},{"text":"So Lisa and Scott Andrews on the top there.","start":536.565,"end":538.88,"sentiment":"neutral","sentiment_score":0.09258107427093717},{"text":"We do date the document as of today's date for you just so all of our documents are valid for thirty days from the date on the front of the document.","start":538.94,"end":546.72003,"sentiment":"neutral","sentiment_score":0.11044043446740796}],"sentiment":"neutral","sentiment_score":0.15251535293646157,"num_words":64,"start":528.405,"end":546.72003},{"sentences":[{"text":"On the very bottom there, it has been prepared for by myself and my lovely team here at Oakview Financial, and my license number is noted on the bottom for you both there as well.","start":547.02,"end":555.695,"sentiment":"neutral","sentiment_score":0.21880169383117132},{"text":"Okay?","start":555.695,"end":556.195,"sentiment":"neutral","sentiment_score":0.09978652000427246},{"text":"As we kinda scroll through these next few pages, I will kinda skip a a few sections and skip pages here and there, but I'll let you go back and have a really good read of the document.","start":557.375,"end":565.535,"sentiment":"neutral","sentiment_score":0.2715073118084355},{"text":"It's just about making sure that I base on the areas that we need to touch on for you.","start":565.535,"end":569.73004,"sentiment":"neutral","sentiment_score":0.25538432284405355},{"text":"And this is a fairly big document for you both there as well.","start":569.87,"end":573.31,"sentiment":"neutral","sentiment_score":0.2572682568660149}],"sentiment":"neutral","sentiment_score":0.2478482370387833,"num_words":106,"start":547.02,"end":573.31},{"sentences":[{"text":"Okay?","start":573.31,"end":573.81,"sentiment":"neutral","sentiment_score":0.10258819162845612},{"text":"The next phase has the best interest duty.","start":575.15,"end":577.07,"sentiment":"neutral","sentiment_score":0.07603275310248137},{"text":"So just outlining there, essentially, that we provide advice under the best interest duty, which is a part of the corporations act.","start":577.07,"end":583.09503,"sentiment":"neutral","sentiment_score":0.07801905477588827},{"text":"Essentially, we may need to take reasonable steps to make sure we understand your goals, your objectives, and any advice provided does need to be there to meet your goals and within the best interest duty.","start":583.09503,"end":593.515,"sentiment":"neutral","sentiment_score":0.11606965586543083},{"text":"The next page is a table of contents, and then the next couple of pages are outlining areas to which we are scoping in and or add advice.","start":595.60004,"end":603.06,"sentiment":"neutral","sentiment_score":0.0789576405659318}],"sentiment":"neutral","sentiment_score":0.09280622072125735,"num_words":95,"start":573.31,"end":603.06},{"sentences":[{"text":"So you both had essentially goals with superannuation of reviewing your super, Lisa, and seeing whether moving into hub twenty four and or, you know, linking the account was of benefit to you in helping you to meet your goals.","start":603.36,"end":615.715,"sentiment":"neutral","sentiment_score":0.20093903597444296},{"text":"And you both have a goal of retiring at age 60 and drawing an income from super of around about 6,000 per month.","start":615.775,"end":623.58,"sentiment":"neutral","sentiment_score":0.0894916818841644},{"text":"We're looking at a total oh, sorry.","start":623.82,"end":626.06,"sentiment":"neutral","sentiment_score":-0.03759591158346406},{"text":"That's actually 4,000 per month.","start":626.06,"end":627.5,"sentiment":"neutral","sentiment_score":-0.10768885314464569},{"text":"My apologies.","start":627.5,"end":628.16003,"sentiment":"neutral","sentiment_score":-0.2446870058774948}],"sentiment":"neutral","sentiment_score":0.1143490969318316,"num_words":77,"start":603.36,"end":628.16003},{"sentences":[{"text":"We're looking at a total of 96,000 per year.","start":628.7,"end":631.02,"sentiment":"neutral","sentiment_score":-0.09836855406562488},{"text":"So you're looking at essentially drawing a little bit from each super fund over the time.","start":631.02,"end":635.28,"sentiment":"neutral","sentiment_score":0.019503723975503817},{"text":"We're working on about 96,000 per year to give you regular income there.","start":635.34,"end":639.225,"sentiment":"neutral","sentiment_score":0.05464365748831859},{"text":"Does that still sound appropriate?","start":639.305,"end":640.685,"sentiment":"neutral","sentiment_score":0.044978637248277664},{"text":"Yep.","start":641.305,"end":641.805,"sentiment":"neutral","sentiment_score":0.07679718732833862}],"sentiment":"neutral","sentiment_score":0.009972739043984224,"num_words":44,"start":628.7,"end":641.805},{"sentences":[{"text":"Beautiful.","start":642.985,"end":643.485,"sentiment":"neutral","sentiment_score":0.07015804946422577},{"text":"We're also scoping in, essentially, looking at your work hours.","start":644.105,"end":647.14496,"sentiment":"neutral","sentiment_score":0.032881290465593335},{"text":"So one of the things that you wanted us to look at was whether you could drop hours to 50%.","start":647.14496,"end":651.40497,"sentiment":"neutral","sentiment_score":0.051596556324511766},{"text":"That is something that Scott has done and is enjoying it, and you want to do the same thing.","start":651.5,"end":656.3,"sentiment":"positive","sentiment_score":0.39295168220996857},{"text":"So we looked at your monthly expenditure of 4,700 as provided and looked at your wages to see whether that would work for you, and I have made that recommendation down here for you as well.","start":656.3,"end":665.44,"sentiment":"neutral","sentiment_score":0.1468240682863527}],"sentiment":"neutral","sentiment_score":0.1649145407082383,"num_words":86,"start":642.985,"end":665.44},{"sentences":[{"text":"Excellent.","start":669.365,"end":669.865,"sentiment":"positive","sentiment_score":0.60838782787323},{"text":"I've also scoped in on the next page their estate planning.","start":670.485,"end":673.285,"sentiment":"neutral","sentiment_score":0.2878242554989728},{"text":"So when we are looking at superannuation and insurance, it's just making sure that you do have the estate planning and beneficiary set up in line with your goals there as well.","start":673.285,"end":681.785,"sentiment":"neutral","sentiment_score":0.25365476589649916},{"text":"Okay?","start":683.10004,"end":683.60004,"sentiment":"neutral","sentiment_score":0.05052177608013153},{"text":"On the next page, we've got the insurances.","start":684.06,"end":685.92004,"sentiment":"neutral","sentiment_score":0.03584775188937783}],"sentiment":"neutral","sentiment_score":0.2307303950612275,"num_words":53,"start":669.365,"end":685.92004},{"sentences":[{"text":"So you both have separate insurance goals, essentially.","start":685.98004,"end":688.56,"sentiment":"neutral","sentiment_score":0.05048919143155217},{"text":"Alicia, you've got some life and TPD within your rider super account looking at keeping the cover amounts the same, by looking how to use it or how to transfer them or how to keep the same level of cover, but also have it paid out of super whilst looking at other super funds for you as well.","start":688.94,"end":704.47504,"sentiment":"neutral","sentiment_score":0.07811233099421551},{"text":"You've got your employer paid income protection policy, which is a great policy as we kinda went through last time, and you were happy to keep holding that, and you weren't looking at getting any additional trauma cover at the moment.","start":704.695,"end":716.89,"sentiment":"neutral","sentiment_score":0.12864680769966869},{"text":"Does that still sound appropriate?","start":716.89,"end":718.19,"sentiment":"neutral","sentiment_score":0.06668461710214615},{"text":"Beautiful.","start":719.85,"end":720.35,"sentiment":"positive","sentiment_score":0.4350859522819519}],"sentiment":"neutral","sentiment_score":0.09714563612916828,"num_words":113,"start":685.98004,"end":720.35},{"sentences":[{"text":"Scott, for yourself, you wanted to look at reviewing your insurances as well.","start":721.29,"end":724.495,"sentiment":"neutral","sentiment_score":0.12739066034555435},{"text":"So you have life and TBD and some income protection.","start":724.495,"end":728.095,"sentiment":"neutral","sentiment_score":0.08545208424329757},{"text":"You've dropped your hours to 50% from where they were a few months back.","start":728.095,"end":731.375,"sentiment":"neutral","sentiment_score":0.09882590334330286},{"text":"So we were looking at making sure your income protection could be in line with your current income amount and also looking at whether reducing your life and TPD to 250 or canceling them was more appropriate for you and what that would look like.","start":731.375,"end":744.95,"sentiment":"neutral","sentiment_score":0.07402820934851964},{"text":"So I've definitely taken that into account and looked at options for you there as well.","start":744.95,"end":749.11005,"sentiment":"neutral","sentiment_score":0.16170155256986618}],"sentiment":"neutral","sentiment_score":0.10012914628094556,"num_words":98,"start":721.29,"end":749.11005},{"sentences":[{"text":"Okay.","start":749.11005,"end":749.61005,"sentiment":"neutral","sentiment_score":0.08581579476594925},{"text":"Excellent.","start":751.305,"end":751.805,"sentiment":"neutral","sentiment_score":0.21360823512077332},{"text":"On the next page, we have a limited scope.","start":751.945,"end":753.70496,"sentiment":"neutral","sentiment_score":-0.0894934121105406},{"text":"So these are areas that we have still considered as part of the advice, but that we might be limiting the recommendations around or just focusing or keeping in here because they are related to other areas.","start":753.70496,"end":764.52496,"sentiment":"neutral","sentiment_score":-0.10513999917217202},{"text":"The first one is a deferred benefit scheme.","start":764.88995,"end":766.97,"sentiment":"neutral","sentiment_score":0.07345658680424094}],"sentiment":"neutral","sentiment_score":-0.06800971346508179,"num_words":56,"start":749.11005,"end":766.97},{"sentences":[{"text":"So you have that lease.","start":766.97,"end":767.93,"sentiment":"neutral","sentiment_score":0.23985918164253234},{"text":"You're happy to keep it as is.","start":767.93,"end":769.37,"sentiment":"positive","sentiment_score":0.5472018548420498},{"text":"In all honesty, it should absolutely stay where it is.","start":769.37,"end":771.94995,"sentiment":"positive","sentiment_score":0.3908189058303833},{"text":"You have you have, essentially, potential consequences for transferring the benefit before 55 and even 60.","start":772.25,"end":779.07,"sentiment":"neutral","sentiment_score":-0.03929372364655137},{"text":"So we're looking at maybe altering things and changing that down the track, but for the time being, keeping that in place.","start":779.45496,"end":784.89496,"sentiment":"neutral","sentiment_score":0.020630437372760338}],"sentiment":"neutral","sentiment_score":0.14605113323777913,"num_words":60,"start":766.97,"end":784.89496},{"sentences":[{"text":"So I have left the recommendation in that to retain that as it is.","start":784.89496,"end":788.83496,"sentiment":"neutral","sentiment_score":0.12375441459672791},{"text":"We have got a full strategy in here to retain that the same as we did last time, but this is making a note that we are keeping that for the time being.","start":789.21497,"end":797.14,"sentiment":"neutral","sentiment_score":0.27457782039136597},{"text":"This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as well.","start":797.14,"end":807.62,"sentiment":"positive","sentiment_score":0.41437517255544665},{"text":"Okay.","start":807.62,"end":808.12,"sentiment":"neutral","sentiment_score":0.2983852028846741},{"text":"Excellent.","start":809.54504,"end":810.04504,"sentiment":"positive","sentiment_score":0.5272107720375061}],"sentiment":"neutral","sentiment_score":0.31678913207201476,"num_words":89,"start":784.89496,"end":810.04504},{"sentences":[{"text":"On the next page there, Scott, with your superannuation, so we did do advise for yourself a few months back there, and so we did look at your super and make some alterations to your super and the investments within there.","start":810.505,"end":822.445,"sentiment":"neutral","sentiment_score":0.23057916578723164},{"text":"Essentially, I have reviewed that to make sure that it is all working still appropriately for you.","start":822.93,"end":827.91003,"sentiment":"neutral","sentiment_score":0.2841531292480581},{"text":"Essentially, I'm not making a lot of changes with regard to your super, but we have focused on essentially reviewing that.","start":828.53,"end":836.07,"sentiment":"neutral","sentiment_score":0.041974365001633054},{"text":"I'll sort of go through that a little bit with you down the track here, but it's all kind of in line with what we recommended back in March.","start":836.805,"end":842.905,"sentiment":"neutral","sentiment_score":0.18694701662351346},{"text":"Okay?","start":842.965,"end":843.465,"sentiment":"neutral","sentiment_score":0.1137995645403862}],"sentiment":"neutral","sentiment_score":0.18991810739587206,"num_words":109,"start":810.505,"end":843.465},{"sentences":[{"text":"Excellent.","start":845.205,"end":845.685,"sentiment":"positive","sentiment_score":0.48756760358810425},{"text":"And then the last part here is the retirement aspect.","start":845.685,"end":848.48505,"sentiment":"neutral","sentiment_score":0.16294018030166627},{"text":"So you guys are within that sort of ten to twelve years of retirement.","start":848.48505,"end":852.52997,"sentiment":"neutral","sentiment_score":0.09087318368256092},{"text":"So we wanted to limit it scoping to show you with the recommendations that we are making how that does look over the next sort of twelve years based on the research for you.","start":852.52997,"end":861.67,"sentiment":"neutral","sentiment_score":0.1549545697429601},{"text":"This is obviously projected outcomes.","start":862.05,"end":864.165,"sentiment":"neutral","sentiment_score":0.05671782717108727}],"sentiment":"neutral","sentiment_score":0.13970685133244842,"num_words":64,"start":845.205,"end":864.165},{"sentences":[{"text":"This does need to be reviewed on a regular basis with you, so we will definitely look to do that.","start":864.165,"end":868.825,"sentiment":"neutral","sentiment_score":0.1172494113445282},{"text":"But we've got some additional research in the appendices to show you what that looks like as well.","start":868.885,"end":873.365,"sentiment":"neutral","sentiment_score":0.2628059403763877},{"text":"Okay?","start":873.365,"end":873.865,"sentiment":"neutral","sentiment_score":0.19693104922771457},{"text":"Excellent.","start":875.525,"end":876.025,"sentiment":"positive","sentiment_score":0.427931547164917},{"text":"And then on the next page, areas that we're not focusing on advice with regard to this document.","start":876.245,"end":880.87994,"sentiment":"neutral","sentiment_score":0.01222540194996529}],"sentiment":"neutral","sentiment_score":0.1365588790544405,"num_words":58,"start":864.165,"end":880.87994},{"sentences":[{"text":"So, Scott, you've got your BHP shares.","start":880.94,"end":883.42,"sentiment":"neutral","sentiment_score":0.18113085414682115},{"text":"You are happy to keep those as they are at the moment.","start":883.42,"end":886.07996,"sentiment":"positive","sentiment_score":0.4976455296079318},{"text":"We're not making any changes to those shares currently.","start":886.54,"end":889.27997,"sentiment":"neutral","sentiment_score":-0.141517988509602},{"text":"Essentially, we can look at those down the track when and if you are ready to, you know, make any changes or sell or utilize those shares in any way.","start":890.13995,"end":898.295,"sentiment":"neutral","sentiment_score":0.05071539481480916},{"text":"The next page outlines the motor home.","start":899.715,"end":901.715,"sentiment":"neutral","sentiment_score":0.05068587192467281}],"sentiment":"neutral","sentiment_score":0.12065020593313071,"num_words":65,"start":880.94,"end":901.715},{"sentences":[{"text":"So you guys are looking to fund and purchase a new motor home.","start":901.715,"end":904.615,"sentiment":"neutral","sentiment_score":0.0512873874260829},{"text":"You've got the funds sitting in the offset account at the moment.","start":904.675,"end":907.235,"sentiment":"neutral","sentiment_score":-0.013056682422757149},{"text":"We're not providing advice around utilizing that.","start":907.235,"end":909.895,"sentiment":"neutral","sentiment_score":-0.08336276667458671},{"text":"That is something if you wanted additional support on, we could provide advice down the track.","start":910.17,"end":914.58997,"sentiment":"neutral","sentiment_score":0.015378258423879743},{"text":"Excellent.","start":916.64996,"end":917.05,"sentiment":"positive","sentiment_score":0.5180879831314087}],"sentiment":"neutral","sentiment_score":0.014095032625660604,"num_words":49,"start":901.715,"end":917.05},{"sentences":[{"text":"And then we've also got the home loan and the CDT provisions there.","start":917.05,"end":921.14996,"sentiment":"neutral","sentiment_score":0.21766185072752145},{"text":"You put the money aside from the sale of your investment property to keep all your capital gains bill when that comes around.","start":921.37,"end":927.095,"sentiment":"neutral","sentiment_score":0.19643768311842627},{"text":"We're not providing any additional advice on that.","start":927.315,"end":929.235,"sentiment":"neutral","sentiment_score":-0.0794114819727838},{"text":"Currently, you are happy with just keeping that money aside until the bill comes up, and you have to send that money off to lovely ATO there.","start":929.235,"end":937.26,"sentiment":"neutral","sentiment_score":0.30272300486211423},{"text":"So this is scoped out of the advice currently, but should you need any additional support, we can look to provide additional advice down the track there for you as well.","start":937.82,"end":945.74,"sentiment":"neutral","sentiment_score":0.11528470078783651}],"sentiment":"neutral","sentiment_score":0.1809777036382287,"num_words":102,"start":917.05,"end":945.74},{"sentences":[{"text":"Okay.","start":945.74,"end":946.24,"sentiment":"neutral","sentiment_score":0.1300574392080307},{"text":"Beautiful.","start":948.38,"end":948.88,"sentiment":"neutral","sentiment_score":0.26489049196243286},{"text":"Is there any change to any of your goals that we maybe need to note down at all?","start":949.18,"end":953.235,"sentiment":"neutral","sentiment_score":0.02720666800936063},{"text":"No?","start":955.795,"end":956.195,"sentiment":"neutral","sentiment_score":-0.0445709228515625},{"text":"Beautiful.","start":956.195,"end":956.695,"sentiment":"neutral","sentiment_score":0.25233548879623413}],"sentiment":"neutral","sentiment_score":0.0496560236947103,"num_words":22,"start":945.74,"end":956.695},{"sentences":[{"text":"Excellent.","start":956.83496,"end":957.33496,"sentiment":"neutral","sentiment_score":0.29829391837120056},{"text":"The next page is the about you section, so the information consolidated from your recent staff funds that we were able to complete.","start":958.355,"end":965.015,"sentiment":"neutral","sentiment_score":0.061182067770025},{"text":"And then the following pages outline all your assets and liabilities as per our last conversation.","start":965.33,"end":970.39,"sentiment":"neutral","sentiment_score":0.040760263917036355},{"text":"There could definitely be some changes on this one.","start":970.53,"end":973.03,"sentiment":"neutral","sentiment_score":-0.044584520161151886},{"text":"There's nothing that really affects the advice as such, but if there are any major changes that you would like us to have reflected in the back end, we absolutely can do so.","start":973.49,"end":982.065,"sentiment":"neutral","sentiment_score":-0.016213225821654003}],"sentiment":"neutral","sentiment_score":0.017333519099870832,"num_words":82,"start":956.83496,"end":982.065},{"sentences":[{"text":"We have noted the mortgage as your liability there, sitting at the $193,000, just because it is still an open loan facility, but I have noted the offset account there above, and that obviously does cancel that out as well.","start":982.285,"end":996.68,"sentiment":"neutral","sentiment_score":-0.07497922275215388},{"text":"So it's just noted there because it is still an open facility.","start":996.68,"end":999.74,"sentiment":"neutral","sentiment_score":-0.01868915433684985},{"text":"Okay.","start":1000.04,"end":1000.54,"sentiment":"neutral","sentiment_score":0.075319305062294},{"text":"Beautiful.","start":1001.72,"end":1002.22,"sentiment":"neutral","sentiment_score":0.32626044750213623},{"text":"The next page outlines your current superannuation balances.","start":1003.07996,"end":1006.06,"sentiment":"neutral","sentiment_score":0.10913318581879139}],"sentiment":"neutral","sentiment_score":-0.03143215359699342,"num_words":62,"start":982.285,"end":1006.06},{"sentences":[{"text":"So we've got the defined benefit and your Vita Super account there, Lisa.","start":1006.12,"end":1009.545,"sentiment":"neutral","sentiment_score":0.10991713977777041},{"text":"And then underneath that, Scott, we've got your current super balance of $690,370.78 there, which is fantastic.","start":1009.545,"end":1017.005,"sentiment":"positive","sentiment_score":0.5051110658575507},{"text":"And then the next page outlines your current insurances.","start":1020.585,"end":1024.0449,"sentiment":"neutral","sentiment_score":0.21384499139255947},{"text":"So, Lisa, we've got your rider super with your life and TPD cover noted.","start":1024.345,"end":1028.69,"sentiment":"neutral","sentiment_score":0.19882615442786897},{"text":"And then, Scott, we've also, on the next page, got your Zurich policy with your life and TPD and the income protection policy noted there as well with the current premiums for each.","start":1028.9099,"end":1037.985,"sentiment":"neutral","sentiment_score":0.11673155697909268}],"sentiment":"neutral","sentiment_score":0.216001434901426,"num_words":86,"start":1006.12,"end":1037.985},{"sentences":[{"text":"Excellent.","start":1040.3049,"end":1040.8049,"sentiment":"positive","sentiment_score":0.6475387811660767},{"text":"Yeah.","start":1046.225,"end":1046.545,"sentiment":"neutral","sentiment_score":0.05713297426700592},{"text":"Renewal.","start":1046.545,"end":1047.045,"sentiment":"neutral","sentiment_score":0.0640362948179245},{"text":"Yep.","start":1047.265,"end":1047.765,"sentiment":"neutral","sentiment_score":0.09835051000118256},{"text":"That's all good.","start":1049.105,"end":1050.24,"sentiment":"positive","sentiment_score":0.4133000671863556}],"sentiment":"neutral","sentiment_score":0.30099410883017946,"num_words":7,"start":1040.3049,"end":1050.24},{"sentences":[{"text":"I'm gonna skip forward a couple of pages there.","start":1050.48,"end":1052.72,"sentiment":"neutral","sentiment_score":0.07454086302055253},{"text":"If I can get you to scroll down to page number 22 there for me.","start":1052.72,"end":1056.0,"sentiment":"neutral","sentiment_score":0.03851885745922724},{"text":"This is probably the part that you are most keen to look at, Lisa.","start":1056.0,"end":1059.52,"sentiment":"neutral","sentiment_score":0.06770262335027967},{"text":"This is about whether you can reduce your hours or not.","start":1059.52,"end":1062.5,"sentiment":"neutral","sentiment_score":-0.041968564756891945},{"text":"Beautiful.","start":1064.1849,"end":1064.6849,"sentiment":"positive","sentiment_score":0.4933724403381348}],"sentiment":"neutral","sentiment_score":0.044564111679792406,"num_words":50,"start":1050.48,"end":1064.6849},{"sentences":[{"text":"So with this one here, I did go back and have a look at everything.","start":1065.385,"end":1069.325,"sentiment":"positive","sentiment_score":0.3375617315371831},{"text":"And I know before I went on leave, I did sort of make mention that it was looking really good, and it absolutely is looking really good.","start":1069.465,"end":1076.0249,"sentiment":"positive","sentiment_score":0.3940885900347321},{"text":"So with going with going back and having a looking at all sorry.","start":1076.0249,"end":1081.84,"sentiment":"neutral","sentiment_score":0.005121478094504431},{"text":"My apologies.","start":1083.4199,"end":1084.1599,"sentiment":"neutral","sentiment_score":-0.23252671211957932},{"text":"With going back and having a look at all, I am recommending that you do reduce your hours.","start":1084.7799,"end":1088.835,"sentiment":"neutral","sentiment_score":-0.11924964355097877}],"sentiment":"neutral","sentiment_score":0.17545133481423061,"num_words":75,"start":1065.385,"end":1088.835},{"sentences":[{"text":"So you cut your hours by 50%.","start":1088.9149,"end":1090.9349,"sentiment":"neutral","sentiment_score":-0.03368228833590235},{"text":"Essentially, with your payslips, you're working about seventy two hours per fortnight.","start":1090.995,"end":1094.6749,"sentiment":"neutral","sentiment_score":0.000799907410206894},{"text":"So it would be cutting back to thirty six hours per fortnight.","start":1094.6749,"end":1098.0549,"sentiment":"neutral","sentiment_score":-0.006790852795044581},{"text":"When we look at your wages, your previous income was approximately $18,787.06 per annum, and that provided take home pay on a monthly basis of $11,159.97 per month.","start":1098.995,"end":1113.98,"sentiment":"neutral","sentiment_score":0.03478304775697844},{"text":"With the proposed reduction, we've kinda gone the math for you, and it works that your monthly take home pay is expected to be $6,108.17.","start":1114.875,"end":1124.495,"sentiment":"neutral","sentiment_score":0.1793253892660141}],"sentiment":"neutral","sentiment_score":0.061302294117575956,"num_words":84,"start":1088.9149,"end":1124.495},{"sentences":[{"text":"With Scott having already reduced his hours, his take home pay per month is about $5,804.58 per month.","start":1125.115,"end":1134.34,"sentiment":"neutral","sentiment_score":0.05286695942696598},{"text":"So, essentially, when we add those two together, it's giving you a monthly net income of $11,912.75.","start":1134.34,"end":1143.075,"sentiment":"neutral","sentiment_score":0.055697553517187345},{"text":"Then we subtract away your monthly expenditure of 4,700 per month, and that leaves you with surplus monthly income of $7,212.75.","start":1143.315,"end":1154.615,"sentiment":"neutral","sentiment_score":0.05944341962181386},{"text":"So this still works.","start":1154.835,"end":1155.955,"sentiment":"positive","sentiment_score":0.3681445047259331},{"text":"It allows you to reduce your hours so you can enjoy your life as well.","start":1155.955,"end":1160.31,"sentiment":"positive","sentiment_score":0.46582609017690024}],"sentiment":"neutral","sentiment_score":0.154756598174572,"num_words":75,"start":1125.115,"end":1160.31},{"sentences":[{"text":"You're still bringing home enough between the two of you.","start":1160.31,"end":1162.9501,"sentiment":"neutral","sentiment_score":0.17842086106538774},{"text":"It's covering your monthly expenditure and then giving you additional surplus after that's being subtracted out.","start":1162.9501,"end":1168.63,"sentiment":"neutral","sentiment_score":0.22170539293438196},{"text":"So this does work for you.","start":1168.63,"end":1171.05,"sentiment":"positive","sentiment_score":0.4581777403752009},{"text":"So there you go.","start":1171.11,"end":1172.5651,"sentiment":"positive","sentiment_score":0.503192663192749},{"text":"Recommending that it you do reduce your hours and you enjoy your life.","start":1172.785,"end":1177.4451,"sentiment":"positive","sentiment_score":0.6612638189242437}],"sentiment":"positive","sentiment_score":0.3814237069110481,"num_words":49,"start":1160.31,"end":1177.4451},{"sentences":[{"text":"Yeah.","start":1181.505,"end":1181.905,"sentiment":"neutral","sentiment_score":0.026894763112068176},{"text":"Yeah.","start":1181.905,"end":1182.2251,"sentiment":"neutral","sentiment_score":0.029777172952890396},{"text":"You said you were gonna have a chat to him the other week.","start":1182.2251,"end":1184.545,"sentiment":"neutral","sentiment_score":0.022318493359937117},{"text":"How did that go?","start":1184.545,"end":1185.5851,"sentiment":"neutral","sentiment_score":0.03820159425958991},{"text":"Yeah?","start":1185.5851,"end":1186.05,"sentiment":"neutral","sentiment_score":0.021028755232691765}],"sentiment":"neutral","sentiment_score":0.026032374100759627,"num_words":20,"start":1181.505,"end":1186.05},{"sentences":[{"text":"Yep.","start":1192.05,"end":1192.55,"sentiment":"neutral","sentiment_score":0.007351675070822239},{"text":"Yep.","start":1192.6101,"end":1193.1101,"sentiment":"neutral","sentiment_score":-0.01532551646232605},{"text":"You've gotta find someone.","start":1193.7301,"end":1195.1101,"sentiment":"neutral","sentiment_score":-0.07114416547119617},{"text":"Understandable.","start":1195.5701,"end":1196.0701,"sentiment":"neutral","sentiment_score":-0.016922995448112488},{"text":"At least you get to have con, yeah, at least you get to have a bit of control around that.","start":1197.81,"end":1202.495,"sentiment":"neutral","sentiment_score":0.12528492752462625}],"sentiment":"neutral","sentiment_score":0.0813416685840046,"num_words":27,"start":1192.05,"end":1202.495},{"sentences":[{"text":"I think that's one of the the positives about that scenario is that you get to make sure the person can do the other half of your job properly so you're not, you know, working half the hours between twice the amount of work.","start":1202.495,"end":1213.375,"sentiment":"neutral","sentiment_score":0.21462363775142215},{"text":"So yeah.","start":1213.375,"end":1217.16,"sentiment":"neutral","sentiment_score":0.19145051389932632},{"text":"Excellent.","start":1217.16,"end":1217.66,"sentiment":"positive","sentiment_score":0.6519837975502014},{"text":"So, look, I'm really happy with that.","start":1218.36,"end":1219.88,"sentiment":"positive","sentiment_score":0.7406156318528312},{"text":"It works really well.","start":1219.88,"end":1220.84,"sentiment":"positive","sentiment_score":0.8172996640205383}],"sentiment":"neutral","sentiment_score":0.3264109131976448,"num_words":58,"start":1202.495,"end":1220.84},{"sentences":[{"text":"I was really glad that we were able to make this work for you.","start":1220.84,"end":1223.64,"sentiment":"positive","sentiment_score":0.8037103499685015},{"text":"I know it took a little bit longer to do all the numbers and run everything properly, but then it was also about making sure it works for your super as well because we don't want you to reduce hours and then find that you're not gonna be on track for what you need with regard to your super debt.","start":1223.64,"end":1237.925,"sentiment":"neutral","sentiment_score":0.15274525385660429},{"text":"So really happy with this.","start":1237.925,"end":1239.9451,"sentiment":"positive","sentiment_score":0.6086823105812073},{"text":"The recommendation is there for you to do that.","start":1240.245,"end":1242.66,"sentiment":"neutral","sentiment_score":0.2835299313689272},{"text":"So now once you've got all of that in place, you'll be able to plan your trips away and enjoy, you know, taking a little bit more time for yourself and your family, which essentially was the goal with that one.","start":1242.66,"end":1253.4,"sentiment":"positive","sentiment_score":0.4352264149886806}],"sentiment":"positive","sentiment_score":0.33996995411408965,"num_words":129,"start":1220.84,"end":1253.4},{"sentences":[{"text":"Excellent.","start":1255.62,"end":1256.12,"sentiment":"positive","sentiment_score":0.7853400707244873},{"text":"Yeah.","start":1256.985,"end":1257.485,"sentiment":"neutral","sentiment_score":0.2948980927467346},{"text":"No.","start":1257.545,"end":1257.705,"sentiment":"neutral","sentiment_score":0.22803914546966553},{"text":"That's absolutely fine.","start":1257.705,"end":1258.985,"sentiment":"positive","sentiment_score":0.42769307891527814},{"text":"I really enjoy putting that together.","start":1258.985,"end":1260.845,"sentiment":"positive","sentiment_score":0.7175170083840688}],"sentiment":"positive","sentiment_score":0.5747048829992613,"num_words":12,"start":1255.62,"end":1260.845},{"sentences":[{"text":"My poor admin team, they were just beside themselves, so I did a lot of that research and sort of showed them how to do it.","start":1260.985,"end":1266.845,"sentiment":"neutral","sentiment_score":0.15199594658154708},{"text":"But I really enjoy things like that.","start":1267.065,"end":1268.825,"sentiment":"positive","sentiment_score":0.4731645147715296},{"text":"That's really, you know, part of the job that I think is the most valuable is being able to look at, you know, how someone can make their additional goals, not just super insurances, but looking at other areas that's important to them as well.","start":1268.825,"end":1280.9299,"sentiment":"positive","sentiment_score":0.4262843085659875},{"text":"So this was a lot of fun to put together, and I thank you for the opportunity.","start":1280.9299,"end":1284.595,"sentiment":"positive","sentiment_score":0.7565628500545726},{"text":"Then yeah.","start":1288.735,"end":1290.195,"sentiment":"neutral","sentiment_score":0.22641034424304962}],"sentiment":"positive","sentiment_score":0.4099095797876722,"num_words":97,"start":1260.985,"end":1290.195},{"sentences":[{"text":"Yeah.","start":1293.455,"end":1293.955,"sentiment":"neutral","sentiment_score":0.15117911994457245},{"text":"Absolutely.","start":1294.095,"end":1294.595,"sentiment":"neutral","sentiment_score":0.19857394695281985},{"text":"No.","start":1295.295,"end":1295.455,"sentiment":"neutral","sentiment_score":0.22822782397270203},{"text":"That's fantastic.","start":1295.455,"end":1296.275,"sentiment":"positive","sentiment_score":0.4117475748062134},{"text":"On the next page, it does kinda break down the cash flow recommendations for you with regard to some of the research.","start":1296.495,"end":1301.68,"sentiment":"neutral","sentiment_score":0.1132996983148835}],"sentiment":"neutral","sentiment_score":0.14422479271888733,"num_words":27,"start":1293.455,"end":1301.68},{"sentences":[{"text":"And then it's also outlining advantages, disadvantages, and risks and alternatives that we've looked at for you as well as part of the research.","start":1302.06,"end":1308.96,"sentiment":"neutral","sentiment_score":0.09922022822623451},{"text":"Okay.","start":1309.26,"end":1309.76,"sentiment":"neutral","sentiment_score":0.1113417223095894},{"text":"Excellent.","start":1310.985,"end":1311.485,"sentiment":"positive","sentiment_score":0.3477783203125},{"text":"If I can get you to go down to page number 25 there for me as well.","start":1312.185,"end":1316.205,"sentiment":"neutral","sentiment_score":0.1562318446881631},{"text":"Beautiful.","start":1319.145,"end":1319.645,"sentiment":"positive","sentiment_score":0.3730621337890625}],"sentiment":"neutral","sentiment_score":0.1333956593986262,"num_words":44,"start":1302.06,"end":1319.645},{"sentences":[{"text":"So I did go back and look at your previous recommendation with regard to the super side of things.","start":1320.345,"end":1325.325,"sentiment":"neutral","sentiment_score":0.13136517413352666},{"text":"I had a look at Hub twenty four, which is where Scott Cooper is as well as all the other super funds out there and compared that with Brida.","start":1325.91,"end":1332.89,"sentiment":"neutral","sentiment_score":0.11763875520434873},{"text":"I am still recommending that we do, obviously, move you into Hub twenty four.","start":1333.3501,"end":1337.6101,"sentiment":"neutral","sentiment_score":0.12937290966510773},{"text":"I'm recommending that the behind the things, we will link your two accounts together.","start":1337.765,"end":1342.1051,"sentiment":"neutral","sentiment_score":0.06597498085881982},{"text":"So where it's you have two separate super funds, but they're linked together in the back end.","start":1342.805,"end":1347.045,"sentiment":"neutral","sentiment_score":0.06864568591117859}],"sentiment":"neutral","sentiment_score":0.10547644448696926,"num_words":93,"start":1320.345,"end":1347.045},{"sentences":[{"text":"So it's called a family fee linking aggregation.","start":1347.045,"end":1349.7051,"sentiment":"neutral","sentiment_score":0.07994779106229544},{"text":"We link everything in the back end.","start":1350.24,"end":1351.92,"sentiment":"neutral","sentiment_score":0.05614003166556358},{"text":"So when you both log in to Hub 24 and see both your super accounts, they'll both be showing there nice and clear.","start":1351.92,"end":1357.6,"sentiment":"positive","sentiment_score":0.40297455891318945},{"text":"So you can both log in to either account and see them all.","start":1357.6,"end":1360.58,"sentiment":"positive","sentiment_score":0.45873190806462216},{"text":"It helps to sort of save admin fees in the back end, which is actually really good for you both.","start":1361.04,"end":1365.915,"sentiment":"positive","sentiment_score":0.8076016485691071}],"sentiment":"positive","sentiment_score":0.456570777202576,"num_words":71,"start":1347.045,"end":1365.915},{"sentences":[{"text":"When I had a look at the family fee aggregation, it actually worked out that by having both of the accounts linked in the back end, as well as giving you greater visibility of the combined superposition that you're in, it was actually going to save you approximately $819 per year on administration fees behind the scenes.","start":1366.155,"end":1384.5499,"sentiment":"positive","sentiment_score":0.4526369012238687},{"text":"So that's a really great benefit for you both.","start":1384.5499,"end":1387.27,"sentiment":"positive","sentiment_score":0.5668507350815667},{"text":"Yeah.","start":1387.27,"end":1387.77,"sentiment":"neutral","sentiment_score":0.09551770985126495},{"text":"We're also gonna change your surname with Brighter Super before we do anything because that's probably the biggest thing to start with here.","start":1389.75,"end":1396.485,"sentiment":"neutral","sentiment_score":0.01868235935335574},{"text":"What I'm going to probably need to do, Brighter Super won't accept our the way we do the ID side of things here.","start":1397.445,"end":1404.165,"sentiment":"neutral","sentiment_score":-0.12383258277955263}],"sentiment":"neutral","sentiment_score":0.25291170404020663,"num_words":113,"start":1366.155,"end":1404.165},{"sentences":[{"text":"So I am gonna have to ask if you can send me an actual copy of your driver's license just so we can provide that to Brighter Super with the change of name details.","start":1404.165,"end":1412.34,"sentiment":"neutral","sentiment_score":-0.018157627269187394},{"text":"And then we'll also probably need to get a copy of your marriage certificate as well just so we can kind of confirm.","start":1412.96,"end":1418.1799,"sentiment":"neutral","sentiment_score":0.03659877488794534},{"text":"But my admin team will just make sure that they have, let you know everything that they need to be able to get that form completed, signed, and sent off to Brighter Super there.","start":1418.5599,"end":1428.425,"sentiment":"neutral","sentiment_score":0.07028413761188002},{"text":"Okay?","start":1428.425,"end":1428.925,"sentiment":"neutral","sentiment_score":0.10943714529275894},{"text":"Beautiful.","start":1432.5851,"end":1433.0651,"sentiment":"positive","sentiment_score":0.5642285346984863}],"sentiment":"neutral","sentiment_score":0.03535203068887675,"num_words":93,"start":1404.165,"end":1433.0651},{"sentences":[{"text":"Let's just flood them with all the information possible so they can't come back and say they've got any issues.","start":1433.0651,"end":1437.4851,"sentiment":"neutral","sentiment_score":0.21925655528903007},{"text":"Yeah.","start":1439.2699,"end":1439.7699,"sentiment":"neutral","sentiment_score":0.10067594796419144},{"text":"Once we've changed your name on Brighter Super, we'll establish your Hub twenty four Super account.","start":1440.3099,"end":1444.5499,"sentiment":"neutral","sentiment_score":0.11700325785204768},{"text":"We'll have to do your change of name first.","start":1444.5499,"end":1446.73,"sentiment":"neutral","sentiment_score":0.08703507276044951},{"text":"That way, everything is opened up correctly, and then we'll do a partial rollover.","start":1446.7899,"end":1451.9299,"sentiment":"neutral","sentiment_score":0.10276170979653086}],"sentiment":"neutral","sentiment_score":0.14299731285621722,"num_words":60,"start":1433.0651,"end":1451.9299},{"sentences":[{"text":"We do leave 10,000 behind inside your Brighter sofa initially and complete the rest of the rollover.","start":1452.07,"end":1457.425,"sentiment":"neutral","sentiment_score":0.06912122140912448},{"text":"Essentially, that is so we can do things in part.","start":1458.685,"end":1460.8451,"sentiment":"neutral","sentiment_score":0.10325572621077299},{"text":"So we'll do a partial rollover, leave 10,000 behind, and then we'll sort your insurance transfer out for you as well.","start":1460.8451,"end":1467.1051,"sentiment":"neutral","sentiment_score":0.04407490745541595},{"text":"And then once we've completed the strategy, then we close off your Brighter Super.","start":1467.21,"end":1470.99,"sentiment":"neutral","sentiment_score":0.026555681534643685},{"text":"We never close off the Brighter Super until we have the insurance component in place.","start":1471.21,"end":1475.95,"sentiment":"neutral","sentiment_score":-0.04322211568554243}],"sentiment":"neutral","sentiment_score":0.03709920634842151,"num_words":77,"start":1452.07,"end":1475.95},{"sentences":[{"text":"Otherwise, it it's a risk of leaving you unprotected for a period of time, and we do not want that in any way, shape, or form.","start":1476.1699,"end":1482.3049,"sentiment":"neutral","sentiment_score":-0.21982101981456464},{"text":"Okay?","start":1483.565,"end":1484.065,"sentiment":"neutral","sentiment_score":0.12574246525764465},{"text":"So for the time being, just keep your contributions going into your Brighter Super account.","start":1484.125,"end":1488.5249,"sentiment":"neutral","sentiment_score":0.277940833568573},{"text":"My team will let you know when they're ready for you to transfer those over, just making sure that everything is done in a nice easy manner for you.","start":1488.5249,"end":1495.8049,"sentiment":"positive","sentiment_score":0.41902952666940363},{"text":"So we essentially do things in steps.","start":1495.8049,"end":1498.0,"sentiment":"neutral","sentiment_score":0.22402249063764298}],"sentiment":"neutral","sentiment_score":0.15768618155748415,"num_words":78,"start":1476.1699,"end":1498.0},{"sentences":[{"text":"And in the back of the document, I've got an outline of all the steps there for you so you can kinda see how that is set out.","start":1498.0,"end":1504.66,"sentiment":"neutral","sentiment_score":0.2025402576795646},{"text":"And my team just basically follow those steps one by one to make sure things are done in a certain order and to make sure you that you're aware of what they're doing and when they're doing it to make it easier on yourself as well.","start":1504.7999,"end":1517.6917,"sentiment":"neutral","sentiment_score":0.2062222468464271},{"text":"Okay?","start":1517.6917,"end":1518.082,"sentiment":"neutral","sentiment_score":0.1798139214515686},{"text":"Excellent.","start":1518.082,"end":1518.4724,"sentiment":"positive","sentiment_score":0.5129652619361877},{"text":"That is the main part of the recommendations there for you with regard to the super.","start":1518.4724,"end":1524.7195,"sentiment":"neutral","sentiment_score":0.21648597833700478}],"sentiment":"neutral","sentiment_score":0.2099337544211227,"num_words":92,"start":1498.0,"end":1524.7195},{"sentences":[{"text":"Essentially, the what with the rollover, with the balances there, the full balance will be rolled over, but we'll start with just a partial rollover.","start":1524.7195,"end":1533.11,"sentiment":"neutral","sentiment_score":0.11872713953256607},{"text":"So it's about $512,008.47 based on the current reset is rolled over first.","start":1533.11,"end":1539.635,"sentiment":"neutral","sentiment_score":0.10456901043653488},{"text":"We leave 10,000 behind.","start":1539.635,"end":1541.155,"sentiment":"neutral","sentiment_score":0.03538937959820032},{"text":"And then once we've completed the insurance strategy, my team will let you know when they're gonna complete the final rollover, and they'll get you to move your contributions then as well.","start":1541.155,"end":1549.575,"sentiment":"neutral","sentiment_score":0.15383471874520183},{"text":"Okay?","start":1549.635,"end":1550.135,"sentiment":"neutral","sentiment_score":0.11870077252388}],"sentiment":"neutral","sentiment_score":0.12680726553002994,"num_words":75,"start":1524.7195,"end":1550.135},{"sentences":[{"text":"Excellent.","start":1551.315,"end":1551.815,"sentiment":"positive","sentiment_score":0.4085841178894043},{"text":"Oh, where?","start":1555.1,"end":1555.84,"sentiment":"neutral","sentiment_score":-0.08253688365221024},{"text":"Yeah.","start":1562.22,"end":1562.62,"sentiment":"neutral","sentiment_score":-0.023100990802049637},{"text":"Sorry about that.","start":1562.62,"end":1563.5,"sentiment":"neutral","sentiment_score":-0.08877446999152501},{"text":"I will get that fixed up.","start":1563.5,"end":1565.02,"sentiment":"neutral","sentiment_score":0.018541973705093067}],"sentiment":"neutral","sentiment_score":0.005025984002993657,"num_words":13,"start":1551.315,"end":1565.02},{"sentences":[{"text":"No.","start":1565.02,"end":1565.18,"sentiment":"neutral","sentiment_score":-0.11630256474018096},{"text":"No.","start":1565.18,"end":1565.34,"sentiment":"neutral","sentiment_score":-0.1392932087182999},{"text":"That's okay.","start":1565.34,"end":1566.16,"sentiment":"neutral","sentiment_score":-0.045159025117754936},{"text":"I will no.","start":1566.2749,"end":1567.955,"sentiment":"neutral","sentiment_score":-0.03747874622543653},{"text":"Thank you so much for that.","start":1567.955,"end":1569.495,"sentiment":"neutral","sentiment_score":0.32368418263892335}],"sentiment":"neutral","sentiment_score":0.11413500257409535,"num_words":13,"start":1565.02,"end":1569.495},{"sentences":[{"text":"There's a lot in here, so, yeah, there are can be little little little things there.","start":1569.5549,"end":1573.8949,"sentiment":"neutral","sentiment_score":0.0021160053729545325},{"text":"I will just get yes.","start":1574.195,"end":1577.335,"sentiment":"neutral","sentiment_score":0.022806724533438683},{"text":"Yes.","start":1578.195,"end":1578.595,"sentiment":"neutral","sentiment_score":0.06515374779701233},{"text":"Yes.","start":1578.595,"end":1578.9149,"sentiment":"neutral","sentiment_score":0.05542643368244171},{"text":"No.","start":1578.9149,"end":1579.1549,"sentiment":"neutral","sentiment_score":-0.024563657119870182}],"sentiment":"neutral","sentiment_score":0.010162759708085408,"num_words":24,"start":1569.5549,"end":1579.1549},{"sentences":[{"text":"That's okay.","start":1579.1549,"end":1579.7949,"sentiment":"neutral","sentiment_score":0.055569302290678024},{"text":"I will in the DocuSign, the OdooSign one, I'll have that little bit fixed up, and I'll resend that out to you because I think that the OdooSign might be a little bit a little bit slow and a bit might not be working as well.","start":1579.7949,"end":1595.065,"sentiment":"neutral","sentiment_score":-0.027505524658962437},{"text":"So I'll update that and resend it to you shortly.","start":1595.065,"end":1597.145,"sentiment":"neutral","sentiment_score":-0.000336944374430459},{"text":"It won't be a problem.","start":1597.145,"end":1598.2849,"sentiment":"neutral","sentiment_score":0.03162113353610039},{"text":"Okay.","start":1598.4249,"end":1598.9249,"sentiment":"neutral","sentiment_score":0.16488982737064362}],"sentiment":"neutral","sentiment_score":-0.013038898100376173,"num_words":64,"start":1579.1549,"end":1598.9249},{"sentences":[{"text":"Excellent.","start":1599.865,"end":1600.365,"sentiment":"positive","sentiment_score":0.5959171056747437},{"text":"Underneath that, when you do take some time to read it over again, we've got the advantages, disadvantages, the risks, and any alternatives considered there as well.","start":1600.9049,"end":1608.51,"sentiment":"neutral","sentiment_score":0.19487348364459145},{"text":"We do look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well.","start":1608.59,"end":1619.39,"sentiment":"neutral","sentiment_score":0.21583261631610917},{"text":"Okay.","start":1619.39,"end":1619.89,"sentiment":"neutral","sentiment_score":0.18280142545700073},{"text":"Fantastic.","start":1621.31,"end":1621.81,"sentiment":"positive","sentiment_score":0.5193521976470947}],"sentiment":"neutral","sentiment_score":0.2170252402273702,"num_words":71,"start":1599.865,"end":1621.81},{"sentences":[{"text":"If you can scroll down for me to page number 31.","start":1622.955,"end":1626.4149,"sentiment":"neutral","sentiment_score":0.2345546931028366},{"text":"Yeah.","start":1628.955,"end":1629.355,"sentiment":"neutral","sentiment_score":0.3294246792793274},{"text":"Beautiful.","start":1629.355,"end":1629.855,"sentiment":"positive","sentiment_score":0.5068982839584351},{"text":"So this is essentially showing you the fee comparison table.","start":1629.9149,"end":1632.875,"sentiment":"neutral","sentiment_score":0.22977818548679352},{"text":"So with the recommendations there, you've got your current Brighter Super account there.","start":1632.875,"end":1637.28,"sentiment":"neutral","sentiment_score":0.24326451810506675}],"sentiment":"neutral","sentiment_score":0.24657347715563244,"num_words":36,"start":1622.955,"end":1637.28},{"sentences":[{"text":"You've got your current investment fees, administration fees, your contributions going in, and then also insurance premiums currently coming out as well.","start":1637.68,"end":1646.66,"sentiment":"neutral","sentiment_score":0.21164800565351138},{"text":"With the contributions, this is based on the essentially, what what it looks like after you've reduced your sorry.","start":1647.2001,"end":1655.665,"sentiment":"neutral","sentiment_score":0.121767006422344},{"text":"Reduced your hours by 50% so your contributions are less of so than what you can currently what you're currently receiving.","start":1655.725,"end":1662.465,"sentiment":"neutral","sentiment_score":0.16098242678812572},{"text":"Sorry about that.","start":1664.37,"end":1665.01,"sentiment":"neutral","sentiment_score":-0.1746241102615992},{"text":"My throat's a little bit sore this afternoon.","start":1665.01,"end":1666.63,"sentiment":"negative","sentiment_score":-0.3402160070836544}],"sentiment":"neutral","sentiment_score":0.09732684686984101,"num_words":73,"start":1637.68,"end":1666.63},{"sentences":[{"text":"With the implementation fee, we still do charge the implementation fee.","start":1668.93,"end":1674.05,"sentiment":"neutral","sentiment_score":-0.0912850634618239},{"text":"As I mentioned last time, it's $4,909,150.","start":1674.05,"end":1678.4701,"sentiment":"neutral","sentiment_score":0.012325370750789131},{"text":"That is deducted out of the super account as soon as the funds are rolled from Vita Super into Hub twenty four for you.","start":1678.725,"end":1684.165,"sentiment":"neutral","sentiment_score":0.07085438709085186},{"text":"So it comes out as soon as the funds hit the cash account.","start":1684.165,"end":1687.385,"sentiment":"neutral","sentiment_score":0.03667277799775967},{"text":"That way, we can have the funds invested for you and make your money back nice and quickly.","start":1687.605,"end":1692.585,"sentiment":"positive","sentiment_score":0.6632599184910456}],"sentiment":"neutral","sentiment_score":0.180795504577611,"num_words":73,"start":1668.93,"end":1692.585},{"sentences":[{"text":"It does mean that with the expected rollover, once the funds are in Hub 24, we expect it to be around at the $512,008.47 once everything's been completed.","start":1693.14,"end":1703.9601,"sentiment":"neutral","sentiment_score":0.2524301526801927},{"text":"When we look at the difference in the fee structure, with hub twenty four, it is a little bit higher, and this is also taking into account the fee the fee savings by having everything linked in the back end there.","start":1704.5801,"end":1715.235,"sentiment":"neutral","sentiment_score":0.09441574976393362},{"text":"It does increase your administration fees slightly by about $724.","start":1715.615,"end":1720.29,"sentiment":"neutral","sentiment_score":0.11191663146018982},{"text":"However, have 24 in the portfolio that I'm putting you in is actually cheaper in investment fees.","start":1720.53,"end":1727.1901,"sentiment":"neutral","sentiment_score":0.253012998139157},{"text":"It's saving $1,896 in investment fees, which is a positive to you.","start":1727.81,"end":1733.3501,"sentiment":"positive","sentiment_score":0.6864740898211797}],"sentiment":"neutral","sentiment_score":0.22775154052026295,"num_words":108,"start":1693.14,"end":1733.3501},{"sentences":[{"text":"So when we look at the investment fees as well as the administration fees, sorry, overall, you're actually saving money by moving into hub 20 four.","start":1733.73,"end":1742.745,"sentiment":"neutral","sentiment_score":0.2906420574738429},{"text":"And then with the family fee aggregation as well, that'll work for your benefit and provides a greater saving long term.","start":1742.745,"end":1749.0,"sentiment":"positive","sentiment_score":0.4458283909729549},{"text":"And that's one of the things I like to look at is making sure that you're not spending all this money on fees, that there are some benefits that we're lowering fees where possible.","start":1749.0,"end":1757.48,"sentiment":"neutral","sentiment_score":0.19907631221062996},{"text":"Some more money stays invested in your super working harder for you long term as well.","start":1757.48,"end":1761.405,"sentiment":"positive","sentiment_score":0.40110684651881456},{"text":"Okay?","start":1761.805,"end":1762.305,"sentiment":"neutral","sentiment_score":0.08471352607011795}],"sentiment":"neutral","sentiment_score":0.3080623203090259,"num_words":98,"start":1733.73,"end":1762.305},{"sentences":[{"text":"Do you have any questions so far at all?","start":1763.805,"end":1765.905,"sentiment":"neutral","sentiment_score":0.0374116427782509},{"text":"No?","start":1767.725,"end":1768.125,"sentiment":"neutral","sentiment_score":-0.0033878106623888016},{"text":"Beautiful.","start":1768.125,"end":1768.625,"sentiment":"positive","sentiment_score":0.358456015586853},{"text":"Excellent.","start":1768.765,"end":1769.265,"sentiment":"positive","sentiment_score":0.4021530747413635},{"text":"We've got the ongoing service fee there as well.","start":1770.125,"end":1772.545,"sentiment":"neutral","sentiment_score":0.17840034183528689}],"sentiment":"neutral","sentiment_score":0.12854900672322228,"num_words":21,"start":1763.805,"end":1772.545},{"sentences":[{"text":"So, essentially, at the moment, Scott is on 1.65% for the ongoing service fee.","start":1772.685,"end":1778.54,"sentiment":"neutral","sentiment_score":0.10140108370355197},{"text":"We will reduce that with you coming on board.","start":1779.0,"end":1781.5599,"sentiment":"neutral","sentiment_score":0.1955477131737603},{"text":"Your ongoing service fee is 1.10%, and we will make sure that reflects in Scott's Super as well.","start":1781.5599,"end":1787.48,"sentiment":"neutral","sentiment_score":0.2291204316748513},{"text":"So that's what you'll both be on for the next twelve months.","start":1787.48,"end":1789.965,"sentiment":"neutral","sentiment_score":0.2235099288324515},{"text":"And then we review that with you every year moving forward and make changes as needed too.","start":1790.125,"end":1795.245,"sentiment":"neutral","sentiment_score":0.14398357710417578}],"sentiment":"neutral","sentiment_score":0.17762217596173285,"num_words":70,"start":1772.685,"end":1795.245},{"sentences":[{"text":"Okay?","start":1795.245,"end":1795.745,"sentiment":"neutral","sentiment_score":0.08825818449258804},{"text":"Contributions contributions going in at the rate at the dis at the lower rate because you will have dropped your hours and be only working 50% and enjoying your life, which I'm so excited to see what you guys are doing.","start":1797.005,"end":1809.9601,"sentiment":"positive","sentiment_score":0.5666394313661064},{"text":"And then I've also made the recommendation to transfer your insurances as I did previously, which essentially does make it the lower premium.","start":1811.2201,"end":1818.115,"sentiment":"neutral","sentiment_score":0.2632345505382704},{"text":"So it's also saving money on insurances.","start":1818.115,"end":1820.615,"sentiment":"positive","sentiment_score":0.496706702879497},{"text":"I'm expecting to save you about a $147 a year, which is really important again.","start":1820.835,"end":1825.635,"sentiment":"positive","sentiment_score":0.5935702204704285}],"sentiment":"positive","sentiment_score":0.479946778851679,"num_words":87,"start":1795.245,"end":1825.635},{"sentences":[{"text":"So less money going out of your super for insurance premiums also provides a greater benefit to you.","start":1825.635,"end":1830.72,"sentiment":"positive","sentiment_score":0.6171173685126834},{"text":"Okay?","start":1830.96,"end":1831.46,"sentiment":"neutral","sentiment_score":0.28672468662261963},{"text":"Beautiful.","start":1832.96,"end":1833.46,"sentiment":"positive","sentiment_score":0.5494105815887451},{"text":"With your current super fund within Brighter there, we've got the balanced growth portfolio.","start":1834.48,"end":1838.08,"sentiment":"positive","sentiment_score":0.3451294707400458},{"text":"This is where you're sort of invested currently.","start":1838.08,"end":1840.1,"sentiment":"neutral","sentiment_score":0.2461677696555853}],"sentiment":"positive","sentiment_score":0.4463191106915474,"num_words":42,"start":1825.635,"end":1840.1},{"sentences":[{"text":"When we look at how this has been performing over the past five years, it's averaged about 6.85%.","start":1840.48,"end":1846.695,"sentiment":"neutral","sentiment_score":0.2771059763100412},{"text":"Definitely not a bad return, but it's not what we wanna see.","start":1846.695,"end":1849.575,"sentiment":"neutral","sentiment_score":0.15395516467591128},{"text":"We wanna get the best we possibly can.","start":1849.575,"end":1851.595,"sentiment":"positive","sentiment_score":0.37712375447154045},{"text":"With the growth portfolio that I'm putting you into, it's averaged about 10.44%, so definitely a much greater return.","start":1852.135,"end":1860.235,"sentiment":"positive","sentiment_score":0.35016064894826787},{"text":"And if you look below that, you've got the projection table that shows over the next five, ten, and twelve years, if the portfolio can average what it has over the past five years, this is where it could actually see you ending up.","start":1861.62,"end":1873.56,"sentiment":"neutral","sentiment_score":0.15708270330320706}],"sentiment":"neutral","sentiment_score":0.2318519887210119,"num_words":101,"start":1840.48,"end":1873.56},{"sentences":[{"text":"And this is just in hub 24, so this is not including your deferred benefit amount.","start":1873.9249,"end":1878.025,"sentiment":"neutral","sentiment_score":0.07964397175237536},{"text":"So that could obviously if we are able to roll that in at around about age 55 or 60, whichever feels more appropriate, which when we will do the advice, we'll look at that.","start":1878.1649,"end":1886.67,"sentiment":"neutral","sentiment_score":0.10139917012523203},{"text":"That could add on top of that and provide you with a much bigger benefit down the track as well.","start":1887.0701,"end":1891.41,"sentiment":"neutral","sentiment_score":0.30716778226196767},{"text":"Yeah.","start":1893.15,"end":1893.55,"sentiment":"neutral","sentiment_score":0.06986314803361893},{"text":"Do you have any questions so far at all?","start":1893.55,"end":1895.81,"sentiment":"neutral","sentiment_score":0.03052276497085889}],"sentiment":"neutral","sentiment_score":0.14012248762883245,"num_words":80,"start":1873.9249,"end":1895.81},{"sentences":[{"text":"No?","start":1897.4701,"end":1897.87,"sentiment":"neutral","sentiment_score":-0.07981663197278976},{"text":"Beautiful.","start":1897.87,"end":1898.37,"sentiment":"neutral","sentiment_score":0.1518087536096573},{"text":"Excellent.","start":1898.43,"end":1898.93,"sentiment":"neutral","sentiment_score":0.2419067919254303},{"text":"The next page does outline the difference in the average returns that each of the different portfolios have received there for you as well.","start":1899.375,"end":1906.255,"sentiment":"neutral","sentiment_score":0.08563001578052838},{"text":"Okay.","start":1906.255,"end":1906.755,"sentiment":"neutral","sentiment_score":0.09560438245534895}],"sentiment":"neutral","sentiment_score":0.08802227409822601,"num_words":28,"start":1897.4701,"end":1906.755},{"sentences":[{"text":"Beautiful.","start":1908.575,"end":1909.075,"sentiment":"neutral","sentiment_score":0.2215903997421265},{"text":"Now the next page outlines the investments that we're gonna invest you in.","start":1909.855,"end":1913.535,"sentiment":"neutral","sentiment_score":0.11614103443347491},{"text":"This is a bit different.","start":1913.535,"end":1914.835,"sentiment":"neutral","sentiment_score":0.006610867381095886},{"text":"So I went back and reviewed my recommendation last time because last time we had recommended our SMA product to you.","start":1914.9,"end":1921.88,"sentiment":"neutral","sentiment_score":0.05920503164331118},{"text":"That well, has been performing really well.","start":1922.42,"end":1924.8201,"sentiment":"neutral","sentiment_score":0.2874891481229237}],"sentiment":"neutral","sentiment_score":0.1068129337372932,"num_words":47,"start":1908.575,"end":1924.8201},{"sentences":[{"text":"This portfolio has actually been performing much better, and it's also actually a lot cheaper.","start":1924.8201,"end":1930.305,"sentiment":"neutral","sentiment_score":0.31476495464642845},{"text":"And that's one thing I wanted to look at was how to have the funds invested in a portfolio, but limiting the amount of investment fees that you have to pay as well.","start":1930.305,"end":1938.785,"sentiment":"neutral","sentiment_score":0.05687503471519008},{"text":"Okay?","start":1938.785,"end":1939.285,"sentiment":"neutral","sentiment_score":0.12481112033128738},{"text":"Beautiful.","start":1941.0499,"end":1941.5499,"sentiment":"positive","sentiment_score":0.6536502838134766},{"text":"So, essentially, with the top of this one here, your deferred benefit stays exactly as it is with the current balance there.","start":1941.69,"end":1947.71,"sentiment":"neutral","sentiment_score":0.21508946134285492}],"sentiment":"neutral","sentiment_score":0.16817750026368433,"num_words":72,"start":1924.8201,"end":1947.71},{"sentences":[{"text":"With the brighter super, we'll take out all the full balance there and have that invested into hub twenty four as per the below portfolio.","start":1948.25,"end":1955.87,"sentiment":"neutral","sentiment_score":0.22254656732082367},{"text":"This might look a little bit similar to Scott's because it basically is the very same portfolio.","start":1956.5651,"end":1960.985,"sentiment":"neutral","sentiment_score":0.05032522439518396},{"text":"It's the growth portfolio.","start":1962.885,"end":1964.105,"sentiment":"neutral","sentiment_score":0.11012868955731392},{"text":"So you'll see about 5% invested in cybersecurity, 8% in the Europe investment.","start":1964.3251,"end":1970.2799,"sentiment":"neutral","sentiment_score":0.16031023688041246},{"text":"This is giving you access and exposure to all 16 European countries.","start":1970.2799,"end":1973.98,"sentiment":"neutral","sentiment_score":0.20270548947155476}],"sentiment":"neutral","sentiment_score":0.16022826350805625,"num_words":71,"start":1948.25,"end":1973.98},{"sentences":[{"text":"We're also looking at 5% in Japan.","start":1974.6799,"end":1977.0,"sentiment":"neutral","sentiment_score":0.15803239175251552},{"text":"Japan is still a really good place to be invested, has seen a lot of growth.","start":1977.0,"end":1980.2799,"sentiment":"positive","sentiment_score":0.5545265432447195},{"text":"And when we look at how things have gone this year, Japan was really well prepared for their for their members and with the fuel and everything as well.","start":1980.2799,"end":1989.075,"sentiment":"positive","sentiment_score":0.5324559776947416},{"text":"So it is still a really good place to be invested in Japan there.","start":1989.075,"end":1992.775,"sentiment":"positive","sentiment_score":0.5621389022895268},{"text":"Sorry.","start":1994.195,"end":1994.595,"sentiment":"neutral","sentiment_score":0.05489015579223633}],"sentiment":"positive","sentiment_score":0.497682232465317,"num_words":67,"start":1974.6799,"end":1994.595},{"sentences":[{"text":"The other one there is the Vanguard All World ex US.","start":1994.595,"end":1997.735,"sentiment":"neutral","sentiment_score":0.04277248477393931},{"text":"Now this is giving you exposure to the entire globe minus The US market.","start":1998.57,"end":2002.83,"sentiment":"neutral","sentiment_score":0.03901812926466976},{"text":"One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios.","start":2003.53,"end":2008.83,"sentiment":"neutral","sentiment_score":0.12158788285321659},{"text":"This investment gives you access and exposure to the entire globe minus The US Of A.","start":2008.97,"end":2014.125,"sentiment":"neutral","sentiment_score":0.11655770638026297},{"text":"We see 8% invested in here, and it's a really good investment.","start":2014.125,"end":2018.0449,"sentiment":"positive","sentiment_score":0.4224712277452151}],"sentiment":"neutral","sentiment_score":0.14281564885356896,"num_words":71,"start":1994.595,"end":2018.0449},{"sentences":[{"text":"Has actually seen some very good growth over the past few months there as well.","start":2018.0449,"end":2021.585,"sentiment":"positive","sentiment_score":0.448965056737264},{"text":"Because that investment doesn't have The US, we wanna make sure you do have some US exposure.","start":2023.485,"end":2027.9049,"sentiment":"neutral","sentiment_score":0.015350116635946667},{"text":"So we're looking at the S and P 500.","start":2028.205,"end":2030.2201,"sentiment":"neutral","sentiment_score":0.0353228911343548},{"text":"This is essentially just tracking the S and P 500 index.","start":2030.2201,"end":2034.38,"sentiment":"neutral","sentiment_score":0.04465110735459761},{"text":"The S and P 500 index can encompass anywhere from the top 500 to the top 520 different companies.","start":2034.38,"end":2041.2001,"sentiment":"neutral","sentiment_score":0.05974791767565828}],"sentiment":"neutral","sentiment_score":0.12591135874390602,"num_words":71,"start":2018.0449,"end":2041.2001},{"sentences":[{"text":"Because it tracks the indices, essentially, every quarter, the investment committee of the indices do meet, and they talk about which companies are qualified to remain in the S and P 500.","start":2042.475,"end":2053.455,"sentiment":"neutral","sentiment_score":0.0473769826348871},{"text":"If a company no longer qualifies, they are removed from that indices, which means that they are removed from every investment that is following the indices.","start":2054.01,"end":2061.29,"sentiment":"neutral","sentiment_score":-0.019869971160705272},{"text":"So this essentially shows that you are always tracking the top 500 companies on The US.","start":2061.29,"end":2066.19,"sentiment":"neutral","sentiment_score":0.12189361732453108},{"text":"Over the longer term, we do see really great returns in The US market.","start":2066.6648,"end":2070.9248,"sentiment":"positive","sentiment_score":0.41107636956231935},{"text":"Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you.","start":2071.545,"end":2076.7449,"sentiment":"neutral","sentiment_score":0.24584367796778678}],"sentiment":"neutral","sentiment_score":0.1261267111533218,"num_words":108,"start":2042.475,"end":2076.7449},{"sentences":[{"text":"We do see volatility in the shorter term, but long term, we do get great results out of them.","start":2076.7449,"end":2080.5,"sentiment":"positive","sentiment_score":0.5320726491903004},{"text":"Out of them.","start":2080.58,"end":2081.48,"sentiment":"positive","sentiment_score":0.5285982886950175},{"text":"Underneath that, you've got the BetaShares a 200.","start":2083.7,"end":2086.52,"sentiment":"neutral","sentiment_score":0.2700782064348459},{"text":"This is giving you access and exposure to the top 200 companies on the ASX.","start":2087.46,"end":2091.88,"sentiment":"neutral","sentiment_score":0.323032553990682},{"text":"Let's say 20% invested here for Australian equities.","start":2092.18,"end":2095.16,"sentiment":"neutral","sentiment_score":0.14897357672452927}],"sentiment":"positive","sentiment_score":0.375341090110113,"num_words":53,"start":2076.7449,"end":2095.16},{"sentences":[{"text":"Essentially, this is these companies, again, very much like the S and P 500.","start":2096.225,"end":2100.305,"sentiment":"neutral","sentiment_score":0.2652664269719805},{"text":"They are it is on the top 200 companies.","start":2100.305,"end":2102.565,"sentiment":"neutral","sentiment_score":0.2737378478050232},{"text":"So we are looking at an index here.","start":2102.625,"end":2104.885,"sentiment":"neutral","sentiment_score":0.23476781696081161},{"text":"Essentially, with the companies within the indices, if they don't meet the criteria to be in the top 200, they are removed out.","start":2105.665,"end":2112.3901,"sentiment":"neutral","sentiment_score":0.0841004351741108},{"text":"So, essentially, you are always tracking the top 200 companies on the ASX, which is a positive thing.","start":2112.3901,"end":2118.09,"sentiment":"positive","sentiment_score":0.6610463725195991}],"sentiment":"neutral","sentiment_score":0.3040091369152328,"num_words":72,"start":2096.225,"end":2118.09},{"sentences":[{"text":"In Australia, whilst we don't tend to get the a lot of returns the same as The US or overseas or international markets do, we do still see really good growth, and our market tends to follow suit with The US as well.","start":2118.47,"end":2130.775,"sentiment":"neutral","sentiment_score":0.31212717225385267},{"text":"So it is still really good to have a little bit of glow a little bit of local investment within the ASX market also.","start":2130.775,"end":2138.18,"sentiment":"positive","sentiment_score":0.5209064309795698},{"text":"Okay?","start":2138.4,"end":2138.9,"sentiment":"neutral","sentiment_score":0.15184184908866882},{"text":"Underneath that, you've got the global physical gold.","start":2140.32,"end":2142.8,"sentiment":"neutral","sentiment_score":0.1359423492103815},{"text":"This is giving you exposure to glow to physical gold.","start":2142.8,"end":2146.18,"sentiment":"neutral","sentiment_score":0.14379303455352782}],"sentiment":"neutral","sentiment_score":0.33256434579921323,"num_words":86,"start":2118.47,"end":2146.18},{"sentences":[{"text":"This is held in a a vault in The UK, believe it or not, but it is giving you access to actual physical gold, which is great.","start":2146.64,"end":2153.645,"sentiment":"neutral","sentiment_score":0.20643214053577846},{"text":"Physical gold is a growth investment.","start":2153.645,"end":2155.985,"sentiment":"neutral","sentiment_score":0.3213476687669754},{"text":"It does save really good returns longer term.","start":2156.365,"end":2158.7852,"sentiment":"positive","sentiment_score":0.42553097754716873},{"text":"It doesn't pay any income.","start":2158.845,"end":2160.125,"sentiment":"neutral","sentiment_score":0.10875666812062264},{"text":"So this focus solely around growth.","start":2160.125,"end":2162.0452,"sentiment":"neutral","sentiment_score":0.15254237254460654}],"sentiment":"neutral","sentiment_score":0.2377892154483841,"num_words":52,"start":2146.64,"end":2162.0452},{"sentences":[{"text":"So we are looking at holding only 10% of this because we also want these portfolios to generate income for you.","start":2162.0452,"end":2168.1301,"sentiment":"neutral","sentiment_score":0.20130071895463125},{"text":"We wanna see a combination of growth as well as income.","start":2168.19,"end":2171.25,"sentiment":"neutral","sentiment_score":0.21459679170088333},{"text":"Income is great for compounding because with growth, you have to sell the investment to cement the growth.","start":2171.6301,"end":2177.6501,"sentiment":"positive","sentiment_score":0.37124019861221313},{"text":"With income, it's paid to your cash account, and that is reinvested back into your portfolio for compounding.","start":2178.03,"end":2183.125,"sentiment":"neutral","sentiment_score":0.321917904747857},{"text":"So having some physical gold in there, getting some additional growth there, holding about 10% is great.","start":2183.905,"end":2189.525,"sentiment":"positive","sentiment_score":0.5045982778948896}],"sentiment":"neutral","sentiment_score":0.3252105457817807,"num_words":85,"start":2162.0452,"end":2189.525},{"sentences":[{"text":"The other thing we all tend to like about physical gold is that it is a bit of a safe haven.","start":2189.585,"end":2193.7449,"sentiment":"neutral","sentiment_score":0.30248870026497615},{"text":"So we see a lot of growth there, but when equities don't perform so well, people tend to move money into into gold as a bit of a safe haven.","start":2193.7449,"end":2202.0,"sentiment":"neutral","sentiment_score":0.23273196717103323},{"text":"So it can act defensively when it needs to as well, which is great.","start":2202.0,"end":2205.54,"sentiment":"positive","sentiment_score":0.47612546384334564},{"text":"And then because even that growth portfolio, which as we kinda went through last time has the eighty twenty split between growth and defensive investments, we also want some lower risk defensive investments.","start":2207.12,"end":2216.865,"sentiment":"neutral","sentiment_score":0.15364671205029343},{"text":"So we're looking at core composite bonds.","start":2216.865,"end":2218.885,"sentiment":"neutral","sentiment_score":0.1317622693521636}],"sentiment":"neutral","sentiment_score":0.2475491009297825,"num_words":105,"start":2189.585,"end":2218.885},{"sentences":[{"text":"So this is giving you access and exposure to government as well as corporate bonds.","start":2218.945,"end":2222.76,"sentiment":"neutral","sentiment_score":0.14187294393777847},{"text":"Bonds are very similar to term deposits, pay income payments on a regular basis, and they are reinvested back into your portfolio for compounding.","start":2223.0,"end":2230.86,"sentiment":"neutral","sentiment_score":0.10171137222399314},{"text":"10 normally, bonds like term deposits and other fixed interest investments, When equities aren't performing so well, these investments do tend to provide good growth as well.","start":2231.64,"end":2242.965,"sentiment":"neutral","sentiment_score":0.12026935139739955},{"text":"So it's a bit of a combination of both.","start":2242.965,"end":2245.605,"sentiment":"neutral","sentiment_score":0.2615713228782018},{"text":"These are seen as lower risk, and it's good to have a bit of a mix in there for you.","start":2245.605,"end":2249.845,"sentiment":"positive","sentiment_score":0.4324648901820183}],"sentiment":"neutral","sentiment_score":0.19810399252333138,"num_words":95,"start":2218.945,"end":2249.845},{"sentences":[{"text":"So this is essentially where you would see your funds invested after moving out of the Brighter Super.","start":2249.845,"end":2255.39,"sentiment":"neutral","sentiment_score":0.1598701849579811},{"text":"I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested.","start":2255.93,"end":2261.79,"sentiment":"neutral","sentiment_score":0.12110122374218443},{"text":"But did you have any other questions about those investments?","start":2261.85,"end":2264.49,"sentiment":"neutral","sentiment_score":0.030600426346063615},{"text":"Did you want me to go a bit deeper on anything for you?","start":2264.49,"end":2267.025,"sentiment":"neutral","sentiment_score":0.024461464383281194},{"text":"Beautiful.","start":2270.9448,"end":2271.4448,"sentiment":"positive","sentiment_score":0.4389944076538086}],"sentiment":"neutral","sentiment_score":0.10347675666786157,"num_words":65,"start":2249.845,"end":2271.4448},{"sentences":[{"text":"Excellent.","start":2271.585,"end":2272.085,"sentiment":"positive","sentiment_score":0.48397958278656006},{"text":"Do you have any questions for any of those at all, Scott?","start":2273.345,"end":2275.845,"sentiment":"neutral","sentiment_score":0.07782673959930737},{"text":"They exactly are.","start":2279.025,"end":2280.385,"sentiment":"neutral","sentiment_score":-0.004188348228732745},{"text":"Yeah.","start":2280.385,"end":2280.885,"sentiment":"neutral","sentiment_score":0.03496098518371582},{"text":"Yeah.","start":2281.97,"end":2282.47,"sentiment":"neutral","sentiment_score":0.1342579573392868}],"sentiment":"neutral","sentiment_score":0.08747524198972517,"num_words":18,"start":2271.585,"end":2282.47},{"sentences":[{"text":"Excellent.","start":2283.8098,"end":2284.3098,"sentiment":"neutral","sentiment_score":0.2756860852241516},{"text":"On the next page, you'll see there the cash account.","start":2284.69,"end":2286.93,"sentiment":"neutral","sentiment_score":0.10320865213871003},{"text":"So we do need to hold 1.25% cash there.","start":2286.93,"end":2290.3098,"sentiment":"neutral","sentiment_score":0.06706704737411605},{"text":"That essentially means it will hold $6,410.59 in cash.","start":2290.3699,"end":2295.225,"sentiment":"neutral","sentiment_score":0.06945616627732913},{"text":"Okay.","start":2295.7852,"end":2296.2852,"sentiment":"neutral","sentiment_score":0.26633912324905396}],"sentiment":"neutral","sentiment_score":0.09342735509077708,"num_words":30,"start":2283.8098,"end":2296.2852},{"sentences":[{"text":"Beautiful.","start":2297.705,"end":2298.205,"sentiment":"positive","sentiment_score":0.46970316767692566},{"text":"With the next one, if you go down the page number 36 there for me, this is just about retaining your deferred benefit with QSuper.","start":2299.705,"end":2307.485,"sentiment":"neutral","sentiment_score":0.2099702787399292},{"text":"Essentially, there's no changes here.","start":2308.7,"end":2309.98,"sentiment":"neutral","sentiment_score":0.08887818902730941},{"text":"This is a great product.","start":2309.98,"end":2311.0999,"sentiment":"positive","sentiment_score":0.8180373311042786},{"text":"The funds are sitting in here.","start":2311.0999,"end":2312.38,"sentiment":"positive","sentiment_score":0.48019598921140033}],"sentiment":"neutral","sentiment_score":0.31273127790717853,"num_words":42,"start":2297.705,"end":2312.38},{"sentences":[{"text":"They just grow along with, you know, the the average wage option.","start":2312.38,"end":2316.7998,"sentiment":"positive","sentiment_score":0.38629697263240814},{"text":"They just grow along with the internal indexation growth rate, which is fantastic, and it's kind of having a little bit of a safe net in the back end for you as well.","start":2317.3398,"end":2325.805,"sentiment":"positive","sentiment_score":0.5490738063147573},{"text":"So keeping this there down the track, would we'll have a look at it again around the age 55 to sort of see, you know, how it's tracking and whether there is any is it whether it is worth changing.","start":2325.805,"end":2337.665,"sentiment":"neutral","sentiment_score":0.05044487398117781},{"text":"Because of the different taxation rules within this product, it is generally better to wait till age 60 to be able to move it around, but we'll look at it at age 55 as well as 60 to sort of work out when it is a more suitable time to do so for you, what that looks like for you, and when it provides a greater benefit to do so.","start":2338.28,"end":2356.0352,"sentiment":"neutral","sentiment_score":0.09586665678237166},{"text":"And I'm looking forward to this.","start":2356.0352,"end":2357.395,"sentiment":"positive","sentiment_score":0.5476370304822922}],"sentiment":"neutral","sentiment_score":0.21595827575703586,"num_words":161,"start":2312.38,"end":2357.395},{"sentences":[{"text":"I really enjoy these products.","start":2357.395,"end":2358.7551,"sentiment":"positive","sentiment_score":0.8283456087112426},{"text":"They are fantastic.","start":2358.7551,"end":2359.735,"sentiment":"positive","sentiment_score":0.8602840900421143},{"text":"I actually asked my boss to set, like, a defined benefit.","start":2359.955,"end":2362.355,"sentiment":"positive","sentiment_score":0.3782296830957586},{"text":"I asked him, like, no.","start":2362.355,"end":2363.495,"sentiment":"neutral","sentiment_score":0.21782658696174623},{"text":"So they are a really, really good in, super product.","start":2363.7952,"end":2368.74,"sentiment":"positive","sentiment_score":0.4458634614944458}],"sentiment":"positive","sentiment_score":0.4832610111026203,"num_words":34,"start":2357.395,"end":2368.74},{"sentences":[{"text":"So we'll keep that there as long as we can.","start":2368.74,"end":2370.8398,"sentiment":"neutral","sentiment_score":0.223867267370224},{"text":"I do and have outlined why that is in your best interest as well as any advantages, disadvantages, risks involved, and any alternatives that we have considered as part of the research for you for this one as well.","start":2371.0598,"end":2382.495,"sentiment":"neutral","sentiment_score":0.11205784269632438},{"text":"Okay?","start":2382.495,"end":2382.995,"sentiment":"neutral","sentiment_score":0.06402336061000824},{"text":"Beautiful.","start":2384.2551,"end":2384.7551,"sentiment":"neutral","sentiment_score":0.3014886975288391},{"text":"The next page on page number 40, this is essentially looking at the insurance side of things for you.","start":2385.695,"end":2391.3152,"sentiment":"neutral","sentiment_score":0.07763968780636787}],"sentiment":"neutral","sentiment_score":0.12070849521883896,"num_words":70,"start":2368.74,"end":2391.3152},{"sentences":[{"text":"Beautiful.","start":2393.6,"end":2394.1,"sentiment":"neutral","sentiment_score":0.25690439343452454},{"text":"So the same as last time, I am recommending that you just retain the level of coverage you have within Brighter Super Bowl, but we transfer it to hub twenty four.","start":2394.1602,"end":2401.86,"sentiment":"neutral","sentiment_score":0.09450845143968059},{"text":"We did do the questions last time to confirm eligibility.","start":2402.08,"end":2404.74,"sentiment":"neutral","sentiment_score":0.052575741335749625},{"text":"It is cheaper to hold the the same insurance cover within hub twenty four.","start":2405.505,"end":2409.585,"sentiment":"neutral","sentiment_score":0.18820849167449133},{"text":"It saves you a bit of money, which is really important to note.","start":2409.585,"end":2412.4849,"sentiment":"neutral","sentiment_score":0.2495503265124101}],"sentiment":"neutral","sentiment_score":0.13900720187719318,"num_words":69,"start":2393.6,"end":2412.4849},{"sentences":[{"text":"The other side of that, as we kinda went through last time, is your employer is currently paying for your insurances within Brighter Super.","start":2413.025,"end":2419.345,"sentiment":"neutral","sentiment_score":-0.03509520165001353},{"text":"So it does mean that you'll lose out on that little bit of extra money that's being paid for the insurances.","start":2419.345,"end":2424.54,"sentiment":"neutral","sentiment_score":0.04097988101698104},{"text":"These insurances will then be paid out of your super fund, but they are also cheaper.","start":2424.92,"end":2428.84,"sentiment":"neutral","sentiment_score":0.33303683437407017},{"text":"So when we look at the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly.","start":2428.84,"end":2441.065,"sentiment":"positive","sentiment_score":0.415359213556114},{"text":"Long term, it provided a much greater benefit there for you, and it's still keeping the same level of cover there.","start":2441.2048,"end":2446.9849,"sentiment":"positive","sentiment_score":0.5381078166621072}],"sentiment":"neutral","sentiment_score":0.2702566356398165,"num_words":120,"start":2413.025,"end":2446.9849},{"sentences":[{"text":"Okay?","start":2447.045,"end":2447.545,"sentiment":"neutral","sentiment_score":0.22831478714942932},{"text":"Excellent.","start":2449.61,"end":2450.11,"sentiment":"positive","sentiment_score":0.6499331593513489},{"text":"Underneath that, I've got the best interest duties for outlining how this meets your goal and what's in your best interest to do so.","start":2450.49,"end":2456.43,"sentiment":"neutral","sentiment_score":0.3067771755158901},{"text":"And we've also got the advantages, disadvantages, and the risks involved there for you.","start":2456.8901,"end":2461.31,"sentiment":"neutral","sentiment_score":0.023457959294319153},{"text":"Beautiful.","start":2462.6501,"end":2463.1501,"sentiment":"positive","sentiment_score":0.4155341982841492}],"sentiment":"neutral","sentiment_score":0.2191425801777258,"num_words":41,"start":2447.045,"end":2463.1501},{"sentences":[{"text":"Sorry.","start":2464.01,"end":2464.51,"sentiment":"neutral","sentiment_score":0.15938162803649902},{"text":"On page 42 as well, we do also have a little table, and that just shows you your current recommended.","start":2466.1948,"end":2472.4548,"sentiment":"neutral","sentiment_score":0.16603496670722961},{"text":"But it also shows you if you weren't paying for any insurances out of your super, essentially, the impact over the next five to twelve years there, you will see when you look at this twelve year impact, it is only very minimal.","start":2473.1548,"end":2486.8901,"sentiment":"neutral","sentiment_score":0.09804979642463285},{"text":"So these insurances aren't having as huge an effect on you or or on your super long term, but it is important to note that they are there to provide you with a little bit of cover.","start":2487.03,"end":2497.995,"sentiment":"neutral","sentiment_score":0.17087680806179303},{"text":"And if you were to claim on them, a 106,000, you know, could definitely provide you with a little bit of extra benefit there as well.","start":2497.995,"end":2504.815,"sentiment":"positive","sentiment_score":0.34863431121294314}],"sentiment":"neutral","sentiment_score":0.18175713541939503,"num_words":127,"start":2464.01,"end":2504.815},{"sentences":[{"text":"Beautiful.","start":2506.715,"end":2507.215,"sentiment":"positive","sentiment_score":0.3702811598777771},{"text":"Sorry.","start":2507.915,"end":2508.415,"sentiment":"neutral","sentiment_score":0.10492594540119173},{"text":"On page number 45, we've got down with your income protection policy.","start":2510.46,"end":2514.64,"sentiment":"neutral","sentiment_score":0.08727097511291504},{"text":"So you do have your income protection policy through your employer.","start":2515.02,"end":2518.32,"sentiment":"neutral","sentiment_score":0.14145866307345303},{"text":"That is a beautiful policy.","start":2518.7,"end":2520.48,"sentiment":"positive","sentiment_score":0.48897939920425415}],"sentiment":"neutral","sentiment_score":0.18411336988210678,"num_words":30,"start":2506.715,"end":2520.48},{"sentences":[{"text":"I've got all the same information there from the last time there.","start":2520.94,"end":2524.0,"sentiment":"neutral","sentiment_score":0.32554739465316135},{"text":"I reread sorry.","start":2524.005,"end":2526.345,"sentiment":"neutral","sentiment_score":0.08950577427943547},{"text":"Sorry.","start":2526.4849,"end":2526.9849,"sentiment":"neutral","sentiment_score":0.056762948632240295},{"text":"Rereread their, PDF disclosure statements as well.","start":2527.2048,"end":2530.585,"sentiment":"neutral","sentiment_score":0.17906765533345087},{"text":"This is fantastic.","start":2530.6448,"end":2531.545,"sentiment":"positive","sentiment_score":0.7330652276674906}],"sentiment":"neutral","sentiment_score":0.2955583952940427,"num_words":26,"start":2520.94,"end":2531.545},{"sentences":[{"text":"So keeping this basically means that you've got that income protection cover there without having to pay the premiums.","start":2531.6848,"end":2538.2,"sentiment":"positive","sentiment_score":0.36742871137041794},{"text":"And, honestly, the best type of insurances you can have is cover you don't have to pay for.","start":2538.26,"end":2542.9,"sentiment":"positive","sentiment_score":0.41471537947654724},{"text":"So retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection.","start":2542.9,"end":2551.725,"sentiment":"neutral","sentiment_score":0.2383186356336982},{"text":"And one of the biggest things is that when you do apply for income protection, because it's the first thing we claim on, it is the most expensive type of insurances to hold.","start":2551.8052,"end":2560.2852,"sentiment":"neutral","sentiment_score":0.036523995751684364},{"text":"So having this here, does provide you with a good benefit.","start":2560.2852,"end":2564.3052,"sentiment":"positive","sentiment_score":0.6370619643818248}],"sentiment":"neutral","sentiment_score":0.269385175710475,"num_words":108,"start":2531.6848,"end":2564.3052},{"sentences":[{"text":"They essentially have that forty five day waiting period.","start":2564.365,"end":2567.185,"sentiment":"positive","sentiment_score":0.5164505607551999},{"text":"They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks.","start":2567.73,"end":2574.53,"sentiment":"positive","sentiment_score":0.36453718662261964},{"text":"So it is really good.","start":2574.53,"end":2576.15,"sentiment":"positive","sentiment_score":0.7370985865592956},{"text":"The only sort of downside is the older you get, the less the benefit period is.","start":2576.69,"end":2581.57,"sentiment":"neutral","sentiment_score":-0.28328986931592226},{"text":"So when you're under, you know, sort of seventy seventy years of age, they cover a hundred and four weeks.","start":2581.57,"end":2587.095,"sentiment":"neutral","sentiment_score":-0.18148849569261075}],"sentiment":"neutral","sentiment_score":0.12379426429669062,"num_words":75,"start":2564.365,"end":2587.095},{"sentences":[{"text":"When you get to 70 or 75, it drops to fifty two weeks.","start":2587.095,"end":2590.315,"sentiment":"neutral","sentiment_score":-0.18163584975095895},{"text":"And when you're over 75 years of all age, they only cover you for thirteen weeks.","start":2590.4548,"end":2594.4548,"sentiment":"neutral","sentiment_score":-0.22706449963152409},{"text":"So that's probably the real disadvantage of this product.","start":2594.4548,"end":2596.875,"sentiment":"negative","sentiment_score":-0.4324668612745073},{"text":"But you're well and truly under 70.","start":2597.06,"end":2599.06,"sentiment":"neutral","sentiment_score":-0.08279701269098691},{"text":"So a hundred and four weeks of income protection, and starting thirteen weeks of a 100% of your income is absolutely unheard of because, as of currently, income protection products only cover up to 70% of your income, so this is a really good product to keep for you.","start":2599.06,"end":2614.675,"sentiment":"neutral","sentiment_score":0.08328378344981038}],"sentiment":"neutral","sentiment_score":-0.06792737757588954,"num_words":94,"start":2587.095,"end":2614.675},{"sentences":[{"text":"Excellent.","start":2616.495,"end":2616.995,"sentiment":"positive","sentiment_score":0.35953688621520996},{"text":"The next sorry.","start":2618.5752,"end":2620.2751,"sentiment":"neutral","sentiment_score":0.0075524598360061646},{"text":"The next page down is going to be for Scott.","start":2620.5752,"end":2624.3552,"sentiment":"neutral","sentiment_score":0.003253401815891266},{"text":"If you can go to page number 49 for me.","start":2625.27,"end":2628.17,"sentiment":"neutral","sentiment_score":0.024651347007602454},{"text":"Yeah.","start":2636.07,"end":2636.31,"sentiment":"neutral","sentiment_score":0.1186894029378891}],"sentiment":"neutral","sentiment_score":0.03119724627584219,"num_words":25,"start":2616.495,"end":2636.31},{"sentences":[{"text":"This is you.","start":2636.31,"end":2636.79,"sentiment":"neutral","sentiment_score":0.13565653562545776},{"text":"I promise I haven't forgotten you.","start":2636.79,"end":2638.73,"sentiment":"neutral","sentiment_score":0.10891438523928325},{"text":"All good.","start":2641.335,"end":2642.075,"sentiment":"neutral","sentiment_score":0.2544107437133789},{"text":"So with this one here, as I kinda went through with you, Scott, we did provide advice in March, and that was to alter your superannuation portfolio.","start":2642.855,"end":2650.955,"sentiment":"neutral","sentiment_score":0.12193415093201178},{"text":"I've gone back and reviewed all of that with you.","start":2651.415,"end":2653.3298,"sentiment":"neutral","sentiment_score":0.25910139828920364}],"sentiment":"neutral","sentiment_score":0.15526069716239968,"num_words":48,"start":2636.31,"end":2653.3298},{"sentences":[{"text":"It is working really well at the moment.","start":2653.3298,"end":2654.93,"sentiment":"positive","sentiment_score":0.5889113396406174},{"text":"There's no real need to change your portfolio within hub twenty four currently.","start":2654.93,"end":2658.45,"sentiment":"neutral","sentiment_score":0.1849620766364611},{"text":"So I'm recommending you retain the super fund and also the portfolio as it is.","start":2658.45,"end":2663.27,"sentiment":"neutral","sentiment_score":0.2562615861495336},{"text":"But we are gonna in the back end, the same as with Lisa, we'll set up the family fee aggregation for you.","start":2664.77,"end":2670.415,"sentiment":"neutral","sentiment_score":0.08966168778186495},{"text":"That way, it is all linked in the back end.","start":2670.415,"end":2672.815,"sentiment":"neutral","sentiment_score":0.1889912873506546}],"sentiment":"neutral","sentiment_score":0.2179734045639634,"num_words":68,"start":2653.3298,"end":2672.815},{"sentences":[{"text":"And and, again, we sort of worked out it's a bit over $819 that we can work out that you do save combined on administration fees.","start":2672.815,"end":2680.4949,"sentiment":"neutral","sentiment_score":0.3268191347328516},{"text":"That's a really good saving for you both.","start":2680.4949,"end":2682.4949,"sentiment":"positive","sentiment_score":0.7995151206851006},{"text":"Okay.","start":2682.4949,"end":2682.9949,"sentiment":"positive","sentiment_score":0.38500821590423584},{"text":"Beautiful.","start":2684.09,"end":2684.59,"sentiment":"positive","sentiment_score":0.639534592628479},{"text":"We on the next page down on the sorry.","start":2687.1301,"end":2690.19,"sentiment":"neutral","sentiment_score":0.10715194294850032}],"sentiment":"positive","sentiment_score":0.37516286141342586,"num_words":45,"start":2672.815,"end":2690.19},{"sentences":[{"text":"Page 50, this is where we looked at the insurance side of things for you.","start":2690.49,"end":2694.49,"sentiment":"neutral","sentiment_score":0.05087926549216112},{"text":"So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or down to zero and basically cancel them out.","start":2694.49,"end":2704.825,"sentiment":"neutral","sentiment_score":-0.03954335264861584},{"text":"You currently have about 551,250 of life and TPD paid within super, and you're it's costing about $1,597 currently.","start":2705.125,"end":2715.84,"sentiment":"neutral","sentiment_score":-0.023656899697686497},{"text":"What I am recommending is that we don't cancel it completely.","start":2716.54,"end":2719.9202,"sentiment":"neutral","sentiment_score":-0.17018749158490787},{"text":"I'm just recommending you reduce it back to 250,000.","start":2720.22,"end":2723.76,"sentiment":"neutral","sentiment_score":-0.01444344719250997}],"sentiment":"neutral","sentiment_score":-0.03422197766069855,"num_words":84,"start":2690.49,"end":2723.76},{"sentences":[{"text":"The main reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have.","start":2724.195,"end":2732.355,"sentiment":"neutral","sentiment_score":0.014239046860624242},{"text":"However, you do also have your CGT bill and you wanna buy your caravan.","start":2732.355,"end":2736.375,"sentiment":"neutral","sentiment_score":0.06664757563599519},{"text":"And as much as that you know, it's still only a very small amount.","start":2737.22,"end":2741.24,"sentiment":"neutral","sentiment_score":-0.04042097181081772},{"text":"If you were to pass away, that extra 250,000 plus your super balance paid to Lisa would allow her, if she needed to, to stop working completely, you know, take care of the family.","start":2741.2998,"end":2753.605,"sentiment":"neutral","sentiment_score":-0.12965206232141047},{"text":"Other family members come in.","start":2754.065,"end":2756.2249,"sentiment":"neutral","sentiment_score":-0.11391539871692657}],"sentiment":"neutral","sentiment_score":-0.04495872759280053,"num_words":94,"start":2724.195,"end":2756.2249},{"sentences":[{"text":"Funerals are expensive.","start":2756.2249,"end":2757.285,"sentiment":"neutral","sentiment_score":-0.28388235966364544},{"text":"There's lots of things to work out, but then it would allow her time to grieve and stop working completely if that's what she wanted to do as well.","start":2757.345,"end":2763.825,"sentiment":"neutral","sentiment_score":-0.2539028962110651},{"text":"So having that little bit of extra cover was really important.","start":2763.825,"end":2766.9648,"sentiment":"neutral","sentiment_score":0.028392033820802517},{"text":"The other thing that kinda came to me when I was looking at this was what happens if you're TPD without having this even smaller of total permanent disability?","start":2767.53,"end":2777.71,"sentiment":"neutral","sentiment_score":-0.18695028408848005},{"text":"If you were never able to go back to work again due to permanent incapacity, and Lisa had dropped to 5050% of her hours, without having this kind of buffer, she may have to while her income still covers your regular expenditure, it does add a little bit of extra pressure to her.","start":2778.6501,"end":2795.43,"sentiment":"neutral","sentiment_score":-0.3291494404932238}],"sentiment":"neutral","sentiment_score":-0.24615197825431823,"num_words":125,"start":2756.2249,"end":2795.43},{"sentences":[{"text":"She may have to then increase hours and go back to full time work, which is, again, adds additional pressure.","start":2795.51,"end":2801.3699,"sentiment":"neutral","sentiment_score":-0.1226731438189745},{"text":"The other reason people have TBD cover is to replace vehicles, to add home modifications for ongoing support, care, and sometimes rehabilitation costs are involved as well.","start":2802.47,"end":2814.2651,"sentiment":"neutral","sentiment_score":-0.028461766118804615},{"text":"So, I sort of looked at everything, weighed up the risks, and looked at all the different outcomes there and decided that you keeping that two hundred and fifty thousand of TBD and life was appropriate.","start":2814.2651,"end":2824.205,"sentiment":"neutral","sentiment_score":0.04913781029689643},{"text":"We're reducing it basically by half.","start":2824.89,"end":2827.21,"sentiment":"positive","sentiment_score":0.3890308290719986},{"text":"So it does reduce the cost of the premium, which is important because that then allows more money to stay inside your super long term.","start":2827.21,"end":2834.43,"sentiment":"positive","sentiment_score":0.5608442628383636}],"sentiment":"neutral","sentiment_score":0.13072212416221174,"num_words":114,"start":2795.51,"end":2834.43},{"sentences":[{"text":"But dropping it down in increments means that we're not making a huge drastic change.","start":2835.3699,"end":2840.025,"sentiment":"neutral","sentiment_score":0.16159003029266994},{"text":"So giving you a little bit of cover is better than having none currently.","start":2840.025,"end":2843.9648,"sentiment":"neutral","sentiment_score":0.2721440685646875},{"text":"And when you think about the risks involved with even just your job, you know, TBD is probably a big thing to consider.","start":2844.265,"end":2851.005,"sentiment":"neutral","sentiment_score":-0.04955342573964078},{"text":"You're more likely to have, you know, an accident or something happen where you're fully disabled or maybe not able to go back to work rather than the the life event, but having that little bit of extra cover is really important.","start":2851.2249,"end":2863.27,"sentiment":"neutral","sentiment_score":-0.06519121889557157},{"text":"The other side of it is this cover is sort of set in place with no major loadings or exclusions there.","start":2863.97,"end":2869.425,"sentiment":"neutral","sentiment_score":0.032474778060402186}],"sentiment":"neutral","sentiment_score":0.02641806754729022,"num_words":115,"start":2835.3699,"end":2869.425},{"sentences":[{"text":"So if, you know, we were to cancel that completely and then you decided at a later time you wanted to reinstate the cover, we have to go back to an application.","start":2869.425,"end":2877.765,"sentiment":"neutral","sentiment_score":-0.055315999838057905},{"text":"And that essentially means that if your health has changed, there could be loading exclusions that could be more expensive as well.","start":2878.25,"end":2884.0898,"sentiment":"neutral","sentiment_score":-0.07800256951966068},{"text":"So it does work out better to drop it down in increments, keep that level of cover as a buffer because there is still a risk of something happening to you, and making sure that if something did happen, that the pressure isn't left all on Lisa to kind of work full time, cover the bills, and or any additional expenses that come up there.","start":2884.0898,"end":2903.575,"sentiment":"neutral","sentiment_score":0.07740607250195283},{"text":"So that's the reason I've made that recommendation and suggested we do keep that 250,000 of life and TV.","start":2903.575,"end":2911.43,"sentiment":"neutral","sentiment_score":0.24775619491150505},{"text":"Does that make sense?","start":2911.5698,"end":2912.79,"sentiment":"neutral","sentiment_score":0.17245634086430073}],"sentiment":"neutral","sentiment_score":0.04889027644473482,"num_words":142,"start":2869.425,"end":2912.79},{"sentences":[{"text":"Yep.","start":2913.17,"end":2913.67,"sentiment":"neutral","sentiment_score":0.15862581133842468},{"text":"Do you have any questions then?","start":2914.6099,"end":2916.23,"sentiment":"neutral","sentiment_score":0.08348429203033447},{"text":"Yeah.","start":2916.8499,"end":2917.3499,"sentiment":"neutral","sentiment_score":-0.04489711672067642},{"text":"Absolutely.","start":2919.8052,"end":2920.3052,"sentiment":"positive","sentiment_score":0.6858010292053223},{"text":"On the next page down is the income protection component.","start":2921.485,"end":2924.465,"sentiment":"neutral","sentiment_score":0.17268916554749011}],"sentiment":"neutral","sentiment_score":0.15933300691999888,"num_words":19,"start":2913.17,"end":2924.465},{"sentences":[{"text":"So because you have reduced your hours with income protection policies, you can cover up to 70% of your income there.","start":2924.5251,"end":2931.33,"sentiment":"neutral","sentiment_score":0.12951400592213586},{"text":"Your income protection was based on your higher income, so you were a bit over insured there.","start":2931.81,"end":2936.55,"sentiment":"neutral","sentiment_score":-0.011439057614873438},{"text":"And as I kinda mentioned, income protection is the first thing we claim on, so it is much it is the highest part of our insurance cost, essentially.","start":2936.61,"end":2943.6702,"sentiment":"neutral","sentiment_score":0.03594422772792833},{"text":"You were paying a bit over $3,000 for your income protection policy.","start":2945.425,"end":2949.045,"sentiment":"neutral","sentiment_score":0.08859883931775887},{"text":"I've kept the waiting and benefit periods the same as a user to say you're comfortable with those, but I have recommended that you do reduce your income protection monthly benefit back so that it sits at 70% of your current income amount.","start":2949.825,"end":2963.84,"sentiment":"neutral","sentiment_score":0.10499972347603288}],"sentiment":"neutral","sentiment_score":0.07528878266592164,"num_words":121,"start":2924.5251,"end":2963.84},{"sentences":[{"text":"That way, you're not over insured.","start":2964.06,"end":2965.68,"sentiment":"neutral","sentiment_score":0.035947464406490326},{"text":"One of the biggest things that we do have is when we're over insured, we're paying for insurances we can't actually claim on, and that just doesn't seem to make any sense at all.","start":2966.1401,"end":2974.125,"sentiment":"neutral","sentiment_score":-0.11997414314571549},{"text":"So reducing that back saves you a bit more of a premium and keeps your income protection policy in line with 70% of your current income amount.","start":2974.125,"end":2982.225,"sentiment":"neutral","sentiment_score":0.1956552529224643},{"text":"Does that make sense?","start":2982.2852,"end":2983.425,"sentiment":"neutral","sentiment_score":0.07102024927735329},{"text":"Yep.","start":2984.685,"end":2984.94,"sentiment":"neutral","sentiment_score":0.23794999718666077}],"sentiment":"neutral","sentiment_score":0.02696231587065591,"num_words":72,"start":2964.06,"end":2984.94},{"sentences":[{"text":"Beautiful.","start":2985.3398,"end":2985.8398,"sentiment":"positive","sentiment_score":0.5742322206497192},{"text":"On the next page, I've outlined the best interest duty there for you.","start":2987.5,"end":2991.02,"sentiment":"neutral","sentiment_score":0.23463420913769648},{"text":"Just noting basically what I have gone through there, just outlining why this remains in your best interest.","start":2991.02,"end":2996.4,"sentiment":"neutral","sentiment_score":0.1537826375828849},{"text":"And then I've also got the advantages, disadvantages, and the risks involved there.","start":2996.8599,"end":3001.415,"sentiment":"neutral","sentiment_score":-0.03352715304264656},{"text":"On page number 53, we've also got, the outcome projection table, essentially.","start":3001.815,"end":3008.155,"sentiment":"neutral","sentiment_score":0.09508536383509636}],"sentiment":"neutral","sentiment_score":0.12452168056839391,"num_words":57,"start":2985.3398,"end":3008.155},{"sentences":[{"text":"So having a look at your current and recommended, this sort of shows you your current your current super balance with all the fees coming out currently and your current insurance premiums and the impact over the next five to ten years there.","start":3008.215,"end":3023.02,"sentiment":"neutral","sentiment_score":0.10476607985274736},{"text":"The recommended does the same with the reduction.","start":3023.02,"end":3025.44,"sentiment":"neutral","sentiment_score":0.2919735610485077},{"text":"So it'll essentially reduce your insurance premiums from over $4,600 to 2,232, which is a great saving up front.","start":3025.5798,"end":3033.685,"sentiment":"positive","sentiment_score":0.5176594618119692},{"text":"And then it projects it over the next five to ten years to where your super balance should end up based on the changes and the recommendations.","start":3034.865,"end":3041.685,"sentiment":"neutral","sentiment_score":0.23603485221112216},{"text":"And it also shows you the impact if you were not paying for any insurances out of your super.","start":3042.705,"end":3047.44,"sentiment":"neutral","sentiment_score":0.05000045425013492}],"sentiment":"neutral","sentiment_score":0.20688973566324548,"num_words":116,"start":3008.215,"end":3047.44},{"sentences":[{"text":"We just sort of like to let you know that it does have an impact on your retirement because we are paying these out of our super fund.","start":3047.98,"end":3053.98,"sentiment":"neutral","sentiment_score":0.17111781665257045},{"text":"But you can see by reducing that down, the impact is definitely lesser.","start":3054.22,"end":3058.0798,"sentiment":"positive","sentiment_score":0.4830321898827186},{"text":"It's also saving you a bit of money, keeping it, you know, invested for a much bigger compounding effect down the track there, which is great.","start":3058.355,"end":3065.015,"sentiment":"positive","sentiment_score":0.7043507809822376},{"text":"Beautiful.","start":3067.1548,"end":3067.635,"sentiment":"positive","sentiment_score":0.5655022859573364},{"text":"Do you have any questions at all so far?","start":3067.635,"end":3069.7349,"sentiment":"neutral","sentiment_score":0.18601107680135304}],"sentiment":"positive","sentiment_score":0.4106940210059092,"num_words":77,"start":3047.98,"end":3069.7349},{"sentences":[{"text":"Beautiful.","start":3072.1948,"end":3072.6948,"sentiment":"positive","sentiment_score":0.6394410133361816},{"text":"Excellent.","start":3072.835,"end":3073.335,"sentiment":"positive","sentiment_score":0.6635043621063232},{"text":"I've also outlined the advantages, disadvantages, the risks, and any alternatives there, so you are welcome to run your eyes over those.","start":3074.4,"end":3081.2998,"sentiment":"neutral","sentiment_score":0.31216168064962735},{"text":"On page number 55, we do have the beneficiary side of things.","start":3082.64,"end":3088.3398,"sentiment":"neutral","sentiment_score":0.11089393496513367},{"text":"Beautiful.","start":3094.635,"end":3095.135,"sentiment":"positive","sentiment_score":0.44351619482040405}],"sentiment":"neutral","sentiment_score":0.2687769125442247,"num_words":37,"start":3072.1948,"end":3095.135},{"sentences":[{"text":"So, essentially, what we're recommending with the beneficiary is that you nominate each other.","start":3095.915,"end":3101.295,"sentiment":"neutral","sentiment_score":0.2582386593733515},{"text":"You'll see a little bit of a table on page 56 there.","start":3101.755,"end":3107.1301,"sentiment":"neutral","sentiment_score":0.16933116999765238},{"text":"It's essentially making sure that, Lisa, you've nominated a 100% to Scott through your q super deferred benefit and also your hub twenty four super account.","start":3107.19,"end":3114.97,"sentiment":"neutral","sentiment_score":0.26476660943948305},{"text":"And, Scott, we have got your beneficiary on file updated for Lisa on your super.","start":3115.4302,"end":3119.69,"sentiment":"neutral","sentiment_score":0.21768993139266968},{"text":"I've been waiting for Zurich to come back and confirm that it's on file for them as well.","start":3120.285,"end":3124.045,"sentiment":"neutral","sentiment_score":0.25068361394935185}],"sentiment":"neutral","sentiment_score":0.23892824868945514,"num_words":85,"start":3095.915,"end":3124.045},{"sentences":[{"text":"So I'm just gonna update the Zurich beneficiary to make sure that that is a 100% set up, that there's no issues with that to protect you guys in the event that anything occurs.","start":3124.045,"end":3133.4248,"sentiment":"neutral","sentiment_score":0.27453990017666535},{"text":"The last thing we sort of want is for something to happen and then for the claims process to take longer and also and be a bit of a pain to your family members.","start":3134.3,"end":3142.14,"sentiment":"neutral","sentiment_score":-0.1620637377833619},{"text":"So just making sure your Zurich life insurance policy is reflective and just making sure that leases have 24 super and q super do nominate yourself as well.","start":3142.14,"end":3151.365,"sentiment":"neutral","sentiment_score":0.19492550806275435},{"text":"So in the event that anything was to happen, and I want nothing to happen, that your beneficiaries can be paid to each other nice and comfortably.","start":3151.365,"end":3158.825,"sentiment":"neutral","sentiment_score":0.27902893666867856},{"text":"Okay?","start":3159.125,"end":3159.625,"sentiment":"neutral","sentiment_score":0.12045687437057497}],"sentiment":"neutral","sentiment_score":0.13658340251253498,"num_words":124,"start":3124.045,"end":3159.625},{"sentences":[{"text":"Beautiful.","start":3161.81,"end":3162.31,"sentiment":"positive","sentiment_score":0.3717370927333832},{"text":"The only other thing in there is essentially looking at wills and powers of attorney.","start":3163.81,"end":3168.69,"sentiment":"neutral","sentiment_score":0.03578907226522764},{"text":"So just making sure that you do look at speaking to a solicitor, having a will and power of attorney drawn up.","start":3168.69,"end":3174.37,"sentiment":"neutral","sentiment_score":0.029221805320544678},{"text":"Those are also really important.","start":3174.37,"end":3176.145,"sentiment":"neutral","sentiment_score":0.0349358469247818},{"text":"Beautiful.","start":3177.165,"end":3177.665,"sentiment":"positive","sentiment_score":0.5696233510971069}],"sentiment":"neutral","sentiment_score":0.05217626089738174,"num_words":44,"start":3161.81,"end":3177.665},{"sentences":[{"text":"Excellent.","start":3179.405,"end":3179.885,"sentiment":"positive","sentiment_score":0.7722948789596558},{"text":"I also like them to be reviewed on a regular basis.","start":3179.885,"end":3184.3052,"sentiment":"positive","sentiment_score":0.4822704006325115},{"text":"Generally speaking, every sort of three to five years, just reviewing them, even between yourselves or speaking to a solicitor, just making sure that everything is correct and updated.","start":3184.445,"end":3194.64,"sentiment":"neutral","sentiment_score":0.17192198207666134},{"text":"One of the biggest things that I do find is how does people not having them at all is that they've been done twenty odd years ago.","start":3195.26,"end":3201.26,"sentiment":"neutral","sentiment_score":-0.11598027056014096},{"text":"So just making sure every couple of years, you guys review them, talk about them, even have a solicitor review them to make sure they're appropriate for you both as well.","start":3201.26,"end":3209.275,"sentiment":"neutral","sentiment_score":0.07684352044616977}],"sentiment":"neutral","sentiment_score":0.1041786726752315,"num_words":99,"start":3179.405,"end":3209.275},{"sentences":[{"text":"Okay?","start":3209.275,"end":3209.775,"sentiment":"neutral","sentiment_score":0.10136479139328004},{"text":"Love that.","start":3212.555,"end":3213.295,"sentiment":"positive","sentiment_score":0.38252516090869904},{"text":"Beautiful.","start":3216.2349,"end":3216.7349,"sentiment":"positive","sentiment_score":0.4144141376018524},{"text":"Oh, that's easy, isn't it?","start":3217.95,"end":3219.49,"sentiment":"neutral","sentiment_score":0.22875988781452178},{"text":"Beautiful.","start":3220.83,"end":3221.33,"sentiment":"positive","sentiment_score":0.4676766395568848}],"sentiment":"neutral","sentiment_score":0.2892305329442024,"num_words":10,"start":3209.275,"end":3221.33},{"sentences":[{"text":"And then as I kinda mentioned at the start, I did look at the projected outcome for your super there as well.","start":3221.8699,"end":3227.31,"sentiment":"neutral","sentiment_score":0.12011360309340736},{"text":"So on page number 62, I have got a little projected outcome that shows you based on the annual income of 96,000 for your both, which is your goal, to be just deducted essentially equally from each of your super accounts there.","start":3227.31,"end":3244.115,"sentiment":"neutral","sentiment_score":0.10890982477437883},{"text":"This does sort of meet your goal.","start":3245.21,"end":3246.97,"sentiment":"neutral","sentiment_score":0.3213672084467752},{"text":"It does show that you can essentially draw.","start":3246.97,"end":3249.63,"sentiment":"neutral","sentiment_score":0.1818824950605631},{"text":"This has got a figure about 107,000 per year between both of your super accounts there from your retirement age, and the super is expected to last anywhere up to about 98, ninety nine years of age.","start":3249.93,"end":3263.495,"sentiment":"neutral","sentiment_score":0.10008753040755117}],"sentiment":"neutral","sentiment_score":0.1260739737350879,"num_words":116,"start":3221.8699,"end":3263.495},{"sentences":[{"text":"This is just taking into account your hub twenty four super accounts and not taking into account the defined benefit aspect of it.","start":3263.715,"end":3270.69,"sentiment":"neutral","sentiment_score":0.02286687987330167},{"text":"We can't because they won't give us the growth rates behind the scenes there.","start":3270.93,"end":3274.6099,"sentiment":"neutral","sentiment_score":-0.03269374343965735},{"text":"That is all kept very well under wraps, and it is determined each year within the q super deferred benefit product as well.","start":3274.6099,"end":3281.65,"sentiment":"neutral","sentiment_score":0.0895424067326214},{"text":"So, obviously, having that in there does provide a greater effect for you, and we wanna review things on a regular basis to make sure we keep you on track.","start":3281.65,"end":3291.405,"sentiment":"neutral","sentiment_score":0.2003419781724612},{"text":"Because we're projected forward and both of you have great balances and are projected to have great balances, it also does mean, unfortunately, you're probably not gonna be eligible for Centrelink.","start":3292.025,"end":3301.3801,"sentiment":"neutral","sentiment_score":0.11304694438172926}],"sentiment":"neutral","sentiment_score":0.09621831243626836,"num_words":121,"start":3263.715,"end":3301.3801},{"sentences":[{"text":"However, down the track, I do wanna look at, you know, where we end up closer to retirement at age 67, you know, what your balances look like, whether we can maybe look at getting some Centrelink for you as well to sort of supplement some of the super to provide even further a benefit for you.","start":3301.52,"end":3318.555,"sentiment":"neutral","sentiment_score":0.1653568413958215},{"text":"The other side of Centrelink is it's not always just the amount that you receive from them.","start":3319.095,"end":3322.775,"sentiment":"neutral","sentiment_score":0.11226979204837013},{"text":"It's also the health care card, which provides greater benefits and cheaper medications and health care and things like that.","start":3322.775,"end":3330.05,"sentiment":"neutral","sentiment_score":0.19709253273904323},{"text":"So if there's a chance that we can look at that down the track and shelters shelter money, we can look at annuities, then we'll definitely look at doing that to provide greater benefit there.","start":3330.05,"end":3339.57,"sentiment":"neutral","sentiment_score":0.15484632423945835},{"text":"But with you reducing your hours and with the change in income, I did look at salary sacrificing.","start":3339.57,"end":3346.715,"sentiment":"neutral","sentiment_score":0.0603660951471991}],"sentiment":"neutral","sentiment_score":0.14817679006935788,"num_words":147,"start":3301.52,"end":3346.715},{"sentences":[{"text":"However, it doesn't look like we need to currently.","start":3347.5752,"end":3349.975,"sentiment":"neutral","sentiment_score":0.007398442261748844},{"text":"We'll keep reviewing it.","start":3349.975,"end":3351.0151,"sentiment":"neutral","sentiment_score":0.0786054152995348},{"text":"If we find we need you down the track, we'll definitely start.","start":3351.0151,"end":3353.7551,"sentiment":"neutral","sentiment_score":0.10643686881909768},{"text":"But right now, this shows that you're on track to meet your goals that you guys are after.","start":3353.84,"end":3358.32,"sentiment":"positive","sentiment_score":0.48960837225119275},{"text":"So that's essentially where we're at with that.","start":3358.32,"end":3361.54,"sentiment":"positive","sentiment_score":0.4070780724287033}],"sentiment":"neutral","sentiment_score":0.2691730460261597,"num_words":51,"start":3347.5752,"end":3361.54},{"sentences":[{"text":"Perfect.","start":3364.16,"end":3364.56,"sentiment":"positive","sentiment_score":0.5071973204612732},{"text":"Do either of you have any questions?","start":3364.56,"end":3366.34,"sentiment":"neutral","sentiment_score":0.1354070838008608},{"text":"You're welcome to let me know if you do.","start":3366.48,"end":3368.5,"sentiment":"neutral","sentiment_score":0.020259355815748375},{"text":"No.","start":3369.185,"end":3369.685,"sentiment":"neutral","sentiment_score":-0.08659560978412628},{"text":"Beautiful.","start":3370.705,"end":3371.205,"sentiment":"neutral","sentiment_score":0.26525628566741943}],"sentiment":"neutral","sentiment_score":0.09558114659433302,"num_words":19,"start":3364.16,"end":3371.205},{"sentences":[{"text":"I would do just wanna update a couple of small things and other things that we noted.","start":3372.065,"end":3375.845,"sentiment":"neutral","sentiment_score":0.09430398134624257},{"text":"I will do that, and I'll resend the audio sign.","start":3376.225,"end":3378.385,"sentiment":"neutral","sentiment_score":0.007130097737535835},{"text":"I'm going to stop that audio sign that came through and resend it because it it's just coming up with a bit of an error on my end of things, and I think because I've attached so many documents to it.","start":3378.385,"end":3388.83,"sentiment":"neutral","sentiment_score":-0.09624763837129605},{"text":"So I'm just gonna cancel that one, redo the document.","start":3388.83,"end":3392.99,"sentiment":"neutral","sentiment_score":-0.06848539002239704},{"text":"I'll update that little section in there as well that has Andrew Scott.","start":3392.99,"end":3396.135,"sentiment":"neutral","sentiment_score":0.01910008332477166}],"sentiment":"neutral","sentiment_score":-0.02976084977981972,"num_words":91,"start":3372.065,"end":3396.135},{"sentences":[{"text":"Sorry about that.","start":3396.135,"end":3396.775,"sentiment":"neutral","sentiment_score":-0.10459549973408382},{"text":"They probably got a bit confused with your surname.","start":3396.775,"end":3398.875,"sentiment":"neutral","sentiment_score":-0.058431204615367785},{"text":"And I'll just go back and resend that to you shortly.","start":3399.495,"end":3402.155,"sentiment":"neutral","sentiment_score":0.054779539054090325},{"text":"In this email as well, I've also got the appendices for you.","start":3402.935,"end":3406.455,"sentiment":"neutral","sentiment_score":0.07086434960365295},{"text":"And in there, at once, a lot of the research that we have completed.","start":3406.455,"end":3409.815,"sentiment":"neutral","sentiment_score":0.06661686061748437}],"sentiment":"neutral","sentiment_score":0.03154930270904181,"num_words":49,"start":3396.135,"end":3409.815},{"sentences":[{"text":"So it's got the research around your income estimates with reducing your hours versus your current.","start":3409.815,"end":3416.25,"sentiment":"neutral","sentiment_score":0.09558937908150256},{"text":"It's also got all of the links to the PDFs for all the investments if you're interested and wanna have a bit of a look through those.","start":3416.25,"end":3423.79,"sentiment":"neutral","sentiment_score":0.14128669047797168},{"text":"It's also got some like for like comparisons, and it does also have an updated probably a little bit more of a dollar side projection table with withdrawing funds out of your super as well.","start":3424.155,"end":3437.115,"sentiment":"neutral","sentiment_score":0.10527701335293906},{"text":"So it just sort of shows you a little bit more of a dollar, you know, stick on how long that's expected to last based on our current research there.","start":3437.115,"end":3444.24,"sentiment":"neutral","sentiment_score":0.09433391739924749},{"text":"And this all just needs to be continuously updated and reviewed.","start":3444.54,"end":3448.08,"sentiment":"neutral","sentiment_score":0.03362800790504976}],"sentiment":"neutral","sentiment_score":0.10276295617222786,"num_words":119,"start":3409.815,"end":3448.08},{"sentences":[{"text":"I do reviews with all of my clients every three or six months depending on what they would prefer.","start":3448.54,"end":3453.365,"sentiment":"neutral","sentiment_score":0.03534896563934652},{"text":"I think, Scott, you wanted six months last time.","start":3453.665,"end":3456.225,"sentiment":"neutral","sentiment_score":0.02479165109495322},{"text":"Is that still fairly accurate?","start":3456.225,"end":3457.7651,"sentiment":"neutral","sentiment_score":0.039458497613668445},{"text":"Beautiful.","start":3460.625,"end":3461.125,"sentiment":"positive","sentiment_score":0.4303097128868103},{"text":"Yep.","start":3461.185,"end":3461.5852,"sentiment":"neutral","sentiment_score":0.20172713696956637}],"sentiment":"neutral","sentiment_score":0.04925955842648234,"num_words":35,"start":3448.54,"end":3461.5852},{"sentences":[{"text":"Lisa, you're happy with six months as well, or did you want something a little bit more?","start":3461.5852,"end":3465.365,"sentiment":"neutral","sentiment_score":0.16027572323732517},{"text":"Beautiful.","start":3466.0298,"end":3466.5298,"sentiment":"positive","sentiment_score":0.4932630956172943},{"text":"Excellent.","start":3466.75,"end":3467.25,"sentiment":"positive","sentiment_score":0.5480785965919495},{"text":"Fantastic.","start":3468.2698,"end":3468.7698,"sentiment":"positive","sentiment_score":0.5391478538513184},{"text":"You'll also note in the back of the document there, the ongoing service fee is 1.10% for both of you.","start":3469.71,"end":3475.8699,"sentiment":"neutral","sentiment_score":0.2025408811867237}],"sentiment":"neutral","sentiment_score":0.2088998616207391,"num_words":40,"start":3461.5852,"end":3475.8699},{"sentences":[{"text":"So, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well.","start":3475.8699,"end":3485.415,"sentiment":"neutral","sentiment_score":0.15722240379144406},{"text":"There's no implementation fees for your side of things, Scott, because you're already a client.","start":3486.035,"end":3490.135,"sentiment":"neutral","sentiment_score":0.16221935003995896},{"text":"And, Lisa, I've got your $495.00 on there for you as a flat fee.","start":3490.5151,"end":3494.775,"sentiment":"neutral","sentiment_score":0.2077347497854914},{"text":"And then with the insurance aspect, so I'm just really honest and just making sure you're aware that with your insurance later, there'll be no remuneration made to us.","start":3496.1199,"end":3504.78,"sentiment":"neutral","sentiment_score":0.12503009649186297},{"text":"That's all.","start":3505.16,"end":3505.8,"sentiment":"neutral","sentiment_score":0.11092842742800713}],"sentiment":"neutral","sentiment_score":0.15448040573784474,"num_words":89,"start":3475.8699,"end":3505.8},{"sentences":[{"text":"Just a transfer of group cover.","start":3505.8,"end":3507.9,"sentiment":"neutral","sentiment_score":0.044845198591550194},{"text":"But, Scott, you we do receive 22% ongoing of your Zurich premiums as well, and that's estimated to be $491 per year.","start":3508.075,"end":3515.835,"sentiment":"neutral","sentiment_score":0.04601337286559018},{"text":"So this is really important that you're aware that the advice provided isn't about the fees for me.","start":3515.835,"end":3522.24,"sentiment":"neutral","sentiment_score":0.10098462717400657},{"text":"It's about making sure we're meeting your goals.","start":3522.24,"end":3524.48,"sentiment":"neutral","sentiment_score":0.20272549148648977},{"text":"And I have honestly thoroughly loved putting this together for you both, and I just can't thank you enough for the opportunity.","start":3524.48,"end":3530.58,"sentiment":"positive","sentiment_score":0.5477023382078517}],"sentiment":"neutral","sentiment_score":0.22066242179196133,"num_words":76,"start":3505.8,"end":3530.58},{"sentences":[{"text":"It's been fantastic.","start":3530.6401,"end":3531.54,"sentiment":"positive","sentiment_score":0.7948412497838339},{"text":"I've really enjoyed it.","start":3531.68,"end":3532.98,"sentiment":"positive","sentiment_score":0.7544287741184235},{"text":"Oh, not a problem at all.","start":3535.535,"end":3537.155,"sentiment":"neutral","sentiment_score":0.04222452392180761},{"text":"If you did want to, on page number 70 sorry.","start":3537.535,"end":3540.255,"sentiment":"neutral","sentiment_score":0.0007739816792309284},{"text":"It is a really long document.","start":3540.255,"end":3541.795,"sentiment":"neutral","sentiment_score":-0.026445998810231686}],"sentiment":"neutral","sentiment_score":0.18981551080299863,"num_words":29,"start":3530.6401,"end":3541.795},{"sentences":[{"text":"I have set out how we would implement this advice piece for you.","start":3542.4148,"end":3545.855,"sentiment":"neutral","sentiment_score":0.09083298937632488},{"text":"So you're welcome to run your eyes over that, have a look at essentially what we'll do for you in the different stages so you can, you know, see where or how the implementation would work for you both.","start":3545.855,"end":3556.53,"sentiment":"neutral","sentiment_score":0.13099839423711485},{"text":"Beautiful.","start":3558.99,"end":3559.49,"sentiment":"positive","sentiment_score":0.5099471211433411},{"text":"Excellent.","start":3559.79,"end":3560.29,"sentiment":"positive","sentiment_score":0.3855636715888977},{"text":"Is there any questions that have come up in relation to any of that or anything that you maybe wanted to change or any anything at all?","start":3561.0352,"end":3568.495,"sentiment":"neutral","sentiment_score":0.09122067634706144}],"sentiment":"neutral","sentiment_score":0.11911401594126667,"num_words":81,"start":3542.4148,"end":3568.495},{"sentences":[{"text":"Oh, you absolutely can.","start":3572.475,"end":3574.5,"sentiment":"neutral","sentiment_score":0.060160995461046696},{"text":"Yeah.","start":3574.5,"end":3574.82,"sentiment":"neutral","sentiment_score":0.05349506810307503},{"text":"Yeah.","start":3574.82,"end":3575.1401,"sentiment":"neutral","sentiment_score":0.056362152099609375},{"text":"Perfect.","start":3575.1401,"end":3575.62,"sentiment":"neutral","sentiment_score":0.15638314187526703},{"text":"So because it's so big, it wouldn't let me attach the all the supporting documents, and then it was having a little bit of a bit trying to send out.","start":3575.62,"end":3583.48,"sentiment":"neutral","sentiment_score":-0.0647277799124519}],"sentiment":"neutral","sentiment_score":-0.03878240685003835,"num_words":37,"start":3572.475,"end":3583.48},{"sentences":[{"text":"So I think I've just tried to attach too much to it.","start":3584.1,"end":3586.765,"sentiment":"neutral","sentiment_score":-0.11912566050887108},{"text":"I've made technology work too hard.","start":3586.765,"end":3588.605,"sentiment":"neutral","sentiment_score":-0.19049767404794693},{"text":"So I'll just go back, and I'll void that one, and I'll resend it out to you shortly so it's all nice and clear and easy for you.","start":3588.605,"end":3595.985,"sentiment":"neutral","sentiment_score":0.0575217972509563},{"text":"Okay?","start":3596.045,"end":3596.545,"sentiment":"neutral","sentiment_score":0.0742240846157074},{"text":"Beautiful.","start":3599.4,"end":3599.88,"sentiment":"positive","sentiment_score":0.4417694807052612}],"sentiment":"neutral","sentiment_score":-0.009289376709299784,"num_words":48,"start":3584.1,"end":3599.88},{"sentences":[{"text":"Thank you so much.","start":3599.88,"end":3601.18,"sentiment":"positive","sentiment_score":0.4435527101159096},{"text":"When you do get that, Lisa, we've also got a copy of your fax lines, your risk profile, the things that we filled out for yourself.","start":3601.24,"end":3607.42,"sentiment":"neutral","sentiment_score":0.09668266973816432},{"text":"I've got external third party authorities on there so that we when you come on board, we can talk to each of you about each other's accounts.","start":3608.0398,"end":3614.94,"sentiment":"neutral","sentiment_score":0.09930073573357528},{"text":"As I kinda mentioned last time, it just provides that little bit of extra benefit.","start":3615.375,"end":3618.835,"sentiment":"neutral","sentiment_score":0.19218196322520573},{"text":"If one of you need to ask questions about each account, you can.","start":3618.975,"end":3622.355,"sentiment":"neutral","sentiment_score":0.15067575871944427}],"sentiment":"neutral","sentiment_score":0.13894816976698005,"num_words":85,"start":3599.88,"end":3622.355},{"sentences":[{"text":"And it also means if one of you are in hospital or something happened, you can call and go, hey.","start":3622.975,"end":3626.655,"sentiment":"neutral","sentiment_score":0.09179964121431113},{"text":"Scott's in hospital.","start":3626.655,"end":3627.635,"sentiment":"neutral","sentiment_score":0.044964577381809555},{"text":"I need to do this, this, and this, and we can help you out.","start":3627.855,"end":3630.2551,"sentiment":"neutral","sentiment_score":0.27535570093563627},{"text":"So we've got all of those.","start":3630.2551,"end":3632.4,"sentiment":"neutral","sentiment_score":0.24112732708454132},{"text":"We'll also do a lost super search for you.","start":3632.4,"end":3634.4,"sentiment":"neutral","sentiment_score":0.18254693183634016}],"sentiment":"neutral","sentiment_score":0.17145293689547822,"num_words":52,"start":3622.975,"end":3634.4},{"sentences":[{"text":"We'll make the ACO go out there and see if there's anything in the ether that we can help to consolidate for you aside from what we know about.","start":3634.4,"end":3641.38,"sentiment":"neutral","sentiment_score":0.23096211665663227},{"text":"And then you've also got your application forms and things attached so we can start an implementation process for you.","start":3641.84,"end":3648.075,"sentiment":"neutral","sentiment_score":0.23487965390086174},{"text":"And easy and I'll send you an email as well if you can just shoot me back a copy of your driver's license.","start":3648.6948,"end":3654.315,"sentiment":"positive","sentiment_score":0.4937746498895728},{"text":"And Maddie will also need to obtain your tax file number prior to opening up your hub twenty four super account, and she'll let you know when she needs that.","start":3655.255,"end":3663.4102,"sentiment":"neutral","sentiment_score":0.14747076854109764},{"text":"Okay?","start":3663.4102,"end":3663.9102,"sentiment":"neutral","sentiment_score":0.10867149382829666}],"sentiment":"neutral","sentiment_score":0.2649039413454463,"num_words":103,"start":3634.4,"end":3663.9102},{"sentences":[{"text":"Beautiful.","start":3665.33,"end":3665.83,"sentiment":"positive","sentiment_score":0.743224024772644},{"text":"Thank you so much for your time.","start":3665.97,"end":3667.4102,"sentiment":"positive","sentiment_score":0.7873642614909581},{"text":"I really appreciate.","start":3667.4102,"end":3668.37,"sentiment":"positive","sentiment_score":0.6078977386156718},{"text":"I'm sorry.","start":3668.37,"end":3668.77,"sentiment":"neutral","sentiment_score":-0.14162235707044601},{"text":"It's very long.","start":3668.77,"end":3669.4102,"sentiment":"negative","sentiment_score":-0.3434966007868449}],"sentiment":"positive","sentiment_score":0.4227957846596837,"num_words":16,"start":3665.33,"end":3669.4102},{"sentences":[{"text":"It's quite a lot to go through.","start":3669.4102,"end":3671.03,"sentiment":"neutral","sentiment_score":-0.2822897902556828},{"text":"No worries.","start":3673.645,"end":3674.2048,"sentiment":"neutral","sentiment_score":0.19539251178503036},{"text":"If either of you have any questions, please let me know.","start":3674.2048,"end":3676.605,"sentiment":"neutral","sentiment_score":0.20596221766688608},{"text":"Happy to answer anything that you might have once you've taken some time to read it over.","start":3676.605,"end":3680.385,"sentiment":"positive","sentiment_score":0.516924277824514},{"text":"You too.","start":3682.969,"end":3683.369,"sentiment":"positive","sentiment_score":0.44292043149471283}],"sentiment":"neutral","sentiment_score":0.2654844736441588,"num_words":39,"start":3669.4102,"end":3683.369},{"sentences":[{"text":"Thank you.","start":3683.369,"end":3683.769,"sentiment":"positive","sentiment_score":0.6439535617828369},{"text":"Enjoy your dinner.","start":3683.769,"end":3684.749,"sentiment":"positive","sentiment_score":0.6620365579922994},{"text":"Thanks.","start":3686.5688,"end":3686.969,"sentiment":"positive","sentiment_score":0.5872993469238281},{"text":"See you later.","start":3686.969,"end":3687.709,"sentiment":"neutral","sentiment_score":0.28076626484592754}],"sentiment":"positive","sentiment_score":0.5226238821115758,"num_words":9,"start":3683.369,"end":3687.709}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Not too bad. How are you? Yeah. Yeah. Definitely. That's great. Thank you. Yeah. Yeah. I'm here. Not too bad. Yep. Good. Thanks. Yes. Yep. So Lisa Andrews, 07/23/1978, 12 Piper Street in New Park. Scott Wade Andrews. 111175. Yep. Hasn't come through yet. I'll refresh a few times. Okay. I'll check-in there. Grandson's going off in the background if you can hear that screaming. Husband just closed the door. Yeah. Mom the mom and dad are looking after him. We're we're just shutting out the noise. What date would that email be? That would be okay. None of none have come through. Yeah. Okay. That's okay. Yeah. It was really good. Really nice and relaxing. Yeah. Okay. Do you wanna try your laptop, Scott, in case it's on there? I'm downloading one zero one. That's all that is. Okay. Oh, you got you got an email? Okay. I haven't got one yet. Oh, there you go. Something came to yep. I got one. Supporting documents. And woah. Okay. No advice. Just point back. Yeah. It's all saying downloading. I got the one that said supporting documents. And you got you got that same one? Okay. And Yep. My grandson stopped screaming, so they must have given him the banana he wanted. He just wants to keep out of eating bananas. Yep. Correct. Signature request. I got one. So you want me to sign that one? Okay. Okay. Yep. Okay. Cool. Yep. There is. Oh, I must've went too far. Uh-oh. How do I go back? I only thought I hit 3, but I must've it's taken me to a signing page, and it won't let me out of it with an external third party authorization. Nope. But I might jump out of it and just go back into the document, and maybe that'll work. Okay. So we've got page one, two, and go next document. Which one am I looking for? Statement of drawings. Statement. Okay. Next. Oh, it's taking me back to that again. Okay. So when I no. But let me press that button. I I can Okay. Yep. Cool. I've got that open. Yeah. Okay. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yep. Yep. Mhmm. Cool. Yep. Yep. Yep. Yeah. No. No. No. Yeah. Yep. Yep. Yep. And that's just yeah. I think I got an email about that the other day or something. That must be coming through the zero clients. Yep. Yep. Yep. Oh, good. Yep. Yep. Yep. Cool. Yep. Yeah. Cool. Awesome. Cool. Now I just need to get the boss on board. I have. Yeah. He's he's on board. I just need to find someone else to do my fifth other 50%, So that's the catch. Yeah. So we're working on it. Yeah. Exactly. Yeah. Exactly. Cool. Yeah. Definitely. Awesome. Thank you for that. Yeah. Yeah. Thank you. It's it's a relief. It's because in my head, I'm like, I really, really wanna do it, so I hope it works. So Yep. Cool. Yep. Yep. Yeah. Yep. Yeah. That's good. Yeah. Yep. Yep. Yep. No worries. And I've got a change of name certificate too, so you'll probably want that as well. Yep. Yep. Yes. Yeah. Yep. Cool. Yeah. Yep. Yep. Mhmm. Yep. Cool. I did notice one mistake on page 27. The it says Lisa nominates Andrew as part of your family group, and Andrew nominates Lisa instead of Scott. That's okay. Just what I pointed out. There he is. That's what happens when you have two last names, which is that. Yep. I've got it here. Yeah. No problem. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Okay. Yeah. Cool. Yeah. No. I'm all good. Yep. Cool. Cool. Sounds good. Oh. Yep. Yeah. Yeah. Yeah. Cool. Not all good. Yep. Mhmm. Yep. Okay. Yeah. Cool. Yep. Okay. Cool. Okay. Yep. Cool. Yep. Mhmm. Yes. Yep. Yep. Mhmm. Okay. Yep. Not all good. All good my end? Yeah. They're performing well. No. No. They're pretty much the same as mine anyway, aren't they? So they're all yes. Yes. Yeah. Yeah. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yes. Yep. Yeah. Yeah. Yep. Yep. Exactly. Yep. Yep. Yeah. Cool. Thank you. Yep. It's called strategy recommendations. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. That sounds fine. Yeah. We'll save it. So no. No. So there's a saving there, so that's good. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. That's good so far. Yep. Yep. Yep. Yep. Yep. Oh. We have both. We have a will and a power of attorney. Yep. Yep. Ours is current and all good. It's goes to each other or our daughter if we're both not here. So and we only have one child, so it makes it easy. Yep. Yep. Yep. Yep. Yeah. Yeah. Mhmm. Yep. Cool. Awesome. No. I no. We're all good. Yeah. North Carolina. Okay. That's okay. Yep. Yep. Yep. That's that's still fine. Yeah. Yeah. That works for me. Yes. Yep. Yep. Mhmm. Yep. Oh, thank you. Yep. Yep. Awesome. Yep. No. No. No. We're all good. So we can go to dinner and then sign that document when it comes through after that. Yep. And have a read. Yep. Yeah. Oh, no worries. Someone will sign it straight away and send it back. Yep. Sure. Yeah. Yes. Fantastic. Yep. No worries. Sounds good. Oh, good. Thanks for that. Will do. Have a good night. Thanks. 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Hello? Not too bad. How are you? Yeah.\n\nYeah. Definitely. That's great. Thank you. Yeah.\n\nYeah. I'm here. Not too bad. Yep. Good.\n\nThanks. Yes. Yep. So Lisa Andrews, 07/23/1978, 12 Piper Street in New Park. Scott Wade Andrews.\n\n111175. Yep. Hasn't come through yet. I'll refresh a few times. Okay.\n\nI'll check-in there. Grandson's going off in the background if you can hear that screaming. Husband just closed the door. Yeah. Mom the mom and dad are looking after him.\n\nWe're we're just shutting out the noise. What date would that email be? That would be okay. None of none have come through. Yeah.\n\nOkay. That's okay. Yeah. It was really good. Really nice and relaxing.\n\nYeah. Okay. Do you wanna try your laptop, Scott, in case it's on there? I'm downloading one zero one. That's all that is.\n\nOkay. Oh, you got you got an email? Okay. I haven't got one yet. Oh, there you go.\n\nSomething came to yep. I got one. Supporting documents. And woah. Okay.\n\nNo advice. Just point back. Yeah. It's all saying downloading. I got the one that said supporting documents.\n\nAnd you got you got that same one? Okay. And Yep. My grandson stopped screaming, so they must have given him the banana he wanted. He just wants to keep out of eating bananas.\n\nYep. Correct. Signature request. I got one. So you want me to sign that one?\n\nOkay. Okay. Yep. Okay. Cool.\n\nYep. There is. Oh, I must've went too far. Uh-oh. How do I go back?\n\nI only thought I hit 3, but I must've it's taken me to a signing page, and it won't let me out of it with an external third party authorization. Nope. But I might jump out of it and just go back into the document, and maybe that'll work. Okay. So we've got page one, two, and go next document.\n\nWhich one am I looking for? Statement of drawings. Statement. Okay. Next.\n\nOh, it's taking me back to that again. Okay. So when I no. But let me press that button. I I can Okay.\n\nYep. Cool. I've got that open. Yeah. Okay.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yeah. Yep. Yep.\n\nMhmm. Cool. Yep. Yep. Yep.\n\nYeah. No. No. No. Yeah.\n\nYep. Yep. Yep. And that's just yeah. I think I got an email about that the other day or something.\n\nThat must be coming through the zero clients. Yep. Yep. Yep. Oh, good.\n\nYep. Yep. Yep. Cool. Yep.\n\nYeah. Cool. Awesome. Cool. Now I just need to get the boss on board.\n\nI have. Yeah. He's he's on board. I just need to find someone else to do my fifth other 50%, So that's the catch. Yeah.\n\nSo we're working on it. Yeah. Exactly. Yeah. Exactly.\n\nCool. Yeah. Definitely. Awesome. Thank you for that.\n\nYeah. Yeah. Thank you. It's it's a relief. It's because in my head, I'm like, I really, really wanna do it, so I hope it works.\n\nSo Yep. Cool. Yep. Yep. Yeah.\n\nYep. Yeah. That's good. Yeah. Yep.\n\nYep. Yep. No worries. And I've got a change of name certificate too, so you'll probably want that as well. Yep.\n\nYep. Yes. Yeah. Yep. Cool.\n\nYeah. Yep. Yep. Mhmm. Yep.\n\nCool. I did notice one mistake on page 27. The it says Lisa nominates Andrew as part of your family group, and Andrew nominates Lisa instead of Scott. That's okay. Just what I pointed out.\n\nThere he is. That's what happens when you have two last names, which is that. Yep. I've got it here. Yeah.\n\nNo problem. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Okay.\n\nYeah. Cool. Yeah. No. I'm all good.\n\nYep. Cool. Cool. Sounds good. Oh.\n\nYep. Yeah. Yeah. Yeah. Cool.\n\nNot all good. Yep. Mhmm. Yep. Okay.\n\nYeah. Cool. Yep. Okay. Cool.\n\nOkay. Yep. Cool. Yep. Mhmm.\n\nYes. Yep. Yep. Mhmm. Okay.\n\nYep. Not all good. All good my end? Yeah. They're performing well.\n\nNo. No. They're pretty much the same as mine anyway, aren't they? So they're all yes. Yes.\n\nYeah. Yeah. Yep. Yes. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yes. Yep. Yeah.\n\nYeah. Yep. Yep. Exactly. Yep.\n\nYep. Yeah. Cool. Thank you. Yep.\n\nIt's called strategy recommendations. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Yep. That sounds fine. Yeah. We'll save it.\n\nSo no. No. So there's a saving there, so that's good. Yep. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat's good so far. Yep. Yep. Yep. Yep.\n\nYep. Oh. We have both. We have a will and a power of attorney. Yep.\n\nYep. Ours is current and all good. It's goes to each other or our daughter if we're both not here. So and we only have one child, so it makes it easy. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nMhmm. Yep. Cool. Awesome. No.\n\nI no. We're all good. Yeah. North Carolina. Okay.\n\nThat's okay. Yep. Yep. Yep. That's that's still fine.\n\nYeah. Yeah. That works for me. Yes. Yep.\n\nYep. Mhmm. Yep. Oh, thank you. Yep.\n\nYep. Awesome. Yep. No. No.\n\nNo. We're all good. So we can go to dinner and then sign that document when it comes through after that. Yep. And have a read.\n\nYep. Yeah. Oh, no worries. Someone will sign it straight away and send it back. Yep.\n\nSure. Yeah. Yes. Fantastic. Yep.\n\nNo worries. Sounds good. Oh, good. Thanks for that. Will do.\n\nHave a good night. Thanks. That's fine.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.019326893612742424},{"text":"Hello?","start":3.3200002,"end":3.8200002,"sentiment":"neutral","sentiment_score":0.0528273805975914},{"text":"Not too bad.","start":6.0,"end":6.64,"sentiment":"neutral","sentiment_score":0.22934761146704355},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.20161838829517365},{"text":"Yeah.","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.14563289284706116}],"sentiment":"neutral","sentiment_score":0.16785390737156072,"num_words":9,"start":0.64,"end":13.94},{"sentences":[{"text":"Yeah.","start":15.545,"end":15.865,"sentiment":"neutral","sentiment_score":0.16716933250427246},{"text":"Definitely.","start":15.865,"end":16.265,"sentiment":"positive","sentiment_score":0.39545878767967224},{"text":"That's great.","start":16.265,"end":16.825,"sentiment":"positive","sentiment_score":0.6857801675796509},{"text":"Thank you.","start":16.825,"end":17.565,"sentiment":"positive","sentiment_score":0.627239853143692},{"text":"Yeah.","start":20.025,"end":20.505001,"sentiment":"neutral","sentiment_score":0.07731267809867859}],"sentiment":"positive","sentiment_score":0.4665686913899013,"num_words":7,"start":15.545,"end":20.505001},{"sentences":[{"text":"Yeah.","start":20.505001,"end":20.744999,"sentiment":"neutral","sentiment_score":0.08390001952648163},{"text":"I'm here.","start":20.744999,"end":21.405,"sentiment":"neutral","sentiment_score":0.10281533375382423},{"text":"Not too bad.","start":23.305,"end":24.125,"sentiment":"neutral","sentiment_score":0.05511851981282234},{"text":"Yep.","start":24.185001,"end":24.425,"sentiment":"neutral","sentiment_score":0.17443709075450897},{"text":"Good.","start":24.425,"end":24.744999,"sentiment":"positive","sentiment_score":0.3902104496955872}],"sentiment":"neutral","sentiment_score":0.12744172336533666,"num_words":8,"start":20.505001,"end":24.744999},{"sentences":[{"text":"Thanks.","start":24.744999,"end":25.244999,"sentiment":"positive","sentiment_score":0.4813899993896485},{"text":"Yes.","start":37.96,"end":38.46,"sentiment":"neutral","sentiment_score":0.2827388048171997},{"text":"Yep.","start":49.555,"end":49.795,"sentiment":"neutral","sentiment_score":0.056977104395627975},{"text":"So Lisa Andrews, 07/23/1978, 12 Piper Street in New Park.","start":49.795,"end":54.295,"sentiment":"neutral","sentiment_score":0.04371214155107737},{"text":"Scott Wade Andrews.","start":56.995,"end":58.035,"sentiment":"neutral","sentiment_score":0.07084875802199046}],"sentiment":"neutral","sentiment_score":0.09192334988620132,"num_words":16,"start":24.744999,"end":58.035},{"sentences":[{"text":"111175.","start":58.035,"end":59.46,"sentiment":"neutral","sentiment_score":0.05721847712993622},{"text":"Yep.","start":84.384995,"end":84.884995,"sentiment":"neutral","sentiment_score":0.0746789276599884},{"text":"Hasn't come through yet.","start":103.84499,"end":105.284996,"sentiment":"neutral","sentiment_score":-0.1605961211025715},{"text":"I'll refresh a few times.","start":105.284996,"end":107.145,"sentiment":"neutral","sentiment_score":-0.11915010511875153},{"text":"Okay.","start":110.725,"end":111.225,"sentiment":"neutral","sentiment_score":-0.06700649112462997}],"sentiment":"neutral","sentiment_score":-0.09777034136156242,"num_words":12,"start":58.035,"end":111.225},{"sentences":[{"text":"I'll check-in there.","start":112.80499,"end":113.945,"sentiment":"neutral","sentiment_score":-0.04260145997007688},{"text":"Grandson's going off in the background if you can hear that screaming.","start":120.21001,"end":122.87,"sentiment":"neutral","sentiment_score":-0.09291929720590512},{"text":"Husband just closed the door.","start":127.89,"end":129.43001,"sentiment":"neutral","sentiment_score":0.025253554433584215},{"text":"Yeah.","start":132.245,"end":132.565,"sentiment":"neutral","sentiment_score":0.025984112173318863},{"text":"Mom the mom and dad are looking after him.","start":132.565,"end":134.745,"sentiment":"neutral","sentiment_score":0.03194690930346648}],"sentiment":"neutral","sentiment_score":-0.026768729276955127,"num_words":30,"start":112.80499,"end":134.745},{"sentences":[{"text":"We're we're just shutting out the noise.","start":135.125,"end":137.625,"sentiment":"neutral","sentiment_score":0.17342748386519297},{"text":"What date would that email be?","start":159.375,"end":161.315,"sentiment":"neutral","sentiment_score":0.0016870546775559585},{"text":"That would be okay.","start":161.535,"end":165.215,"sentiment":"neutral","sentiment_score":-0.019733848865143955},{"text":"None of none have come through.","start":165.215,"end":166.995,"sentiment":"neutral","sentiment_score":-0.15226505945126215},{"text":"Yeah.","start":169.135,"end":169.635,"sentiment":"neutral","sentiment_score":-0.05404266715049744}],"sentiment":"neutral","sentiment_score":0.007397762325126678,"num_words":24,"start":135.125,"end":169.635},{"sentences":[{"text":"Okay.","start":178.69,"end":179.19,"sentiment":"neutral","sentiment_score":-0.06409433484077454},{"text":"That's okay.","start":181.97,"end":182.71,"sentiment":"neutral","sentiment_score":-0.03154742158949375},{"text":"Yeah.","start":188.805,"end":189.045,"sentiment":"neutral","sentiment_score":0.14550232887268066},{"text":"It was really good.","start":189.045,"end":190.165,"sentiment":"neutral","sentiment_score":0.3067524954676628},{"text":"Really nice and relaxing.","start":190.165,"end":191.305,"sentiment":"positive","sentiment_score":0.6449187695980072}],"sentiment":"neutral","sentiment_score":0.31874985092629987,"num_words":12,"start":178.69,"end":191.305},{"sentences":[{"text":"Yeah.","start":195.28499,"end":195.78499,"sentiment":"neutral","sentiment_score":0.1966901570558548},{"text":"Okay.","start":203.59999,"end":204.09999,"sentiment":"neutral","sentiment_score":0.06201886758208275},{"text":"Do you wanna try your laptop, Scott, in case it's on there?","start":205.59999,"end":208.07999,"sentiment":"neutral","sentiment_score":0.05024111829698086},{"text":"I'm downloading one zero one.","start":208.07999,"end":209.12,"sentiment":"neutral","sentiment_score":0.03949783071875572},{"text":"That's all that 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yep.","start":218.0,"end":221.415,"sentiment":"neutral","sentiment_score":-0.045442317612469196},{"text":"I got one.","start":221.415,"end":222.155,"sentiment":"neutral","sentiment_score":-0.028038275117675465},{"text":"Supporting documents.","start":223.255,"end":224.235,"sentiment":"neutral","sentiment_score":-0.03343159705400467},{"text":"And woah.","start":226.215,"end":227.915,"sentiment":"neutral","sentiment_score":-0.08356469124555588},{"text":"Okay.","start":228.615,"end":229.095,"sentiment":"neutral","sentiment_score":-0.07664395868778229}],"sentiment":"neutral","sentiment_score":-0.04804338592415055,"num_words":12,"start":218.0,"end":229.095},{"sentences":[{"text":"No advice.","start":229.095,"end":229.83499,"sentiment":"neutral","sentiment_score":-0.19928649067878723},{"text":"Just point 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screaming, so they must have given him the banana he wanted.","start":313.17502,"end":316.475,"sentiment":"neutral","sentiment_score":0.01090054666357381},{"text":"He just wants to keep out of eating bananas.","start":319.27,"end":321.13,"sentiment":"neutral","sentiment_score":0.1539347486363517}],"sentiment":"neutral","sentiment_score":0.053000479060060834,"num_words":34,"start":271.78998,"end":321.13},{"sentences":[{"text":"Yep.","start":335.205,"end":335.705,"sentiment":"neutral","sentiment_score":0.026538647711277008},{"text":"Correct.","start":339.04498,"end":339.54498,"sentiment":"neutral","sentiment_score":0.07538857311010361},{"text":"Signature request.","start":359.27,"end":360.65,"sentiment":"neutral","sentiment_score":0.03038860857486725},{"text":"I got one.","start":361.89502,"end":362.875,"sentiment":"neutral","sentiment_score":0.07739921659231186},{"text":"So you want me to sign that 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document, and maybe that'll work.","start":445.77002,"end":450.245,"sentiment":"neutral","sentiment_score":0.018000208255317476},{"text":"Okay.","start":453.825,"end":454.30502,"sentiment":"neutral","sentiment_score":0.07954391837120056},{"text":"So we've got page one, two, and go next document.","start":454.30502,"end":460.48502,"sentiment":"neutral","sentiment_score":0.04614225104451179}],"sentiment":"neutral","sentiment_score":-0.06436539739370346,"num_words":60,"start":425.185,"end":460.48502},{"sentences":[{"text":"Which one am I looking for?","start":463.28,"end":464.63998,"sentiment":"neutral","sentiment_score":0.020731819327920675},{"text":"Statement of 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button.","start":486.075,"end":487.93503,"sentiment":"neutral","sentiment_score":-0.0049751993889609976},{"text":"I I can Okay.","start":488.075,"end":501.24,"sentiment":"neutral","sentiment_score":0.070392363704741}],"sentiment":"neutral","sentiment_score":-0.036615735972705094,"num_words":23,"start":471.91998,"end":501.24},{"sentences":[{"text":"Yep.","start":519.57,"end":520.07,"sentiment":"neutral","sentiment_score":0.08574923127889633},{"text":"Cool.","start":520.69,"end":521.01,"sentiment":"neutral","sentiment_score":0.21419553458690643},{"text":"I've got that 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It's Dana from Oakview\n\nChannel 1: Hello?\n\nChannel 0: Financial. How are you this afternoon?\n\nChannel 1: Not too bad. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I've got you both booked in. Is now still a good time just to run through things\n\nChannel 1: Yeah.\n\nChannel 0: and start a bit earlier for you, buddy?\n\nChannel 1: Yeah. Definitely. That's great. Thank you.\n\nChannel 0: Fantastic. That's okay. Is Scott there with you as well?\n\nChannel 1: Yeah. Yeah. I'm here.\n\nChannel 0: Hey, Scott. How are you? How's your day\n\nChannel 1: Not\n\nChannel 0: been?\n\nChannel 1: too bad. Yep. Good. Thanks.\n\nChannel 0: Oh, that's excellent. So I'm just gonna send through the DocuSign there through to you. Before I do jump into the call, I just have to let you both know our calls are recorded for training and quality purposes. Are you both happy for me to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And I just need to do security with you, if I could. If I can get you both to say your name and and date of birth and just one of you to provide an address, that would be absolutely perfect if possible.\n\nChannel 1: Yep. So Lisa Andrews, 07/23/1978, 12 Piper\n\nChannel 0: Yep.\n\nChannel 1: Street in New Park.\n\nChannel 0: Beautiful.\n\nChannel 1: Scott Wade Andrews. 111175.\n\nChannel 0: Beautiful. Thank you so much for that. Now you're gonna receive a separate email as well. We had quite a few supporting documents, things like PDFs for the recommended products, and they just didn't all kind of fit in the original Odoo sign. So I'm sending a separate email to the both of you with those sort of supporting documents for you to be able to go through and have a read of, and,\n\nChannel 1: Yep.\n\nChannel 0: also, just sending to the the order signed for you with the actual advice document. Order is a little bit slow this afternoon, so hoping it comes through fairly quickly for you both there. Sorry.\n\nChannel 1: Hasn't come through yet. I'll\n\nChannel 0: No.\n\nChannel 1: refresh\n\nChannel 0: That's\n\nChannel 1: a few\n\nChannel 0: okay.\n\nChannel 1: times.\n\nChannel 0: Yeah. And just double check your junk mail as well. Sometimes I just get diverted\n\nChannel 1: Okay.\n\nChannel 0: to junk.\n\nChannel 1: I'll check-in there. Grandson's going off in the background if you can hear that screaming.\n\nChannel 0: Oh, yes. Oh, wow. Oh,\n\nChannel 1: Husband just closed the door.\n\nChannel 0: you're right. Is he okay? Do you need to attend\n\nChannel 1: Yeah. Mom\n\nChannel 0: to him\n\nChannel 1: the\n\nChannel 0: at\n\nChannel 1: mom\n\nChannel 0: all?\n\nChannel 1: and dad are looking after him.\n\nChannel 0: Oh, that's\n\nChannel 1: We're\n\nChannel 0: all good.\n\nChannel 1: we're just shutting out the noise.\n\nChannel 0: No. That's absolutely fine. If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice. You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you.\n\nChannel 1: What date would that email be? That would\n\nChannel 0: It\n\nChannel 1: be\n\nChannel 0: was just sent through a short time ago,\n\nChannel 1: okay.\n\nChannel 0: so about\n\nChannel 1: None of none have come through.\n\nChannel 0: none have come through yet. Oh, goodness.\n\nChannel 1: Yeah.\n\nChannel 0: It is a big email. I'm not gonna lie. We normally put all of these additional documents in that OdoSign with everything, but it is quite a large email that I'm sending through. So it\n\nChannel 1: Okay.\n\nChannel 0: had to come through as two separate. Sorry about that.\n\nChannel 1: That's okay.\n\nChannel 0: Mhmm. All good. And how did your holiday go? I know you both had a bit of a a holiday as well. How was\n\nChannel 1: Yeah. It was really\n\nChannel 0: that?\n\nChannel 1: good. Really nice and relaxing.\n\nChannel 0: Oh. Oh, fantastic. A bit of downtime. It's always nice, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. I'm just refreshing my system because I can see that they're both being sent.\n\nChannel 1: Okay.\n\nChannel 0: There we go.\n\nChannel 1: Do you wanna try your laptop, Scott, in case it's on there? I'm downloading one zero one. That's all that is. Okay. Oh, you got you got an email?\n\nOkay. I haven't got one yet. Oh, there you go. Something came to yep. I got one.\n\nSupporting documents. And woah. Okay. No advice. Just\n\nChannel 0: Yeah.\n\nChannel 1: point back.\n\nChannel 0: Told you it was big. Sorry.\n\nChannel 1: Yeah. It's all saying downloading.\n\nChannel 0: Yeah. No. That's okay. And this one, hopefully, shouldn't be too far behind it. This one has, again, quite a few documents in it as well.\n\nHere we go. I'm just resending this one as well because it might also just be that it hasn't quite sent through fully. So I'm just pressing the resend button there as well.\n\nChannel 1: I got the one that said supporting documents. And you got you got that same one? Okay. And\n\nChannel 0: Okay. Let's see if this works again for you.\n\nChannel 1: Yep.\n\nChannel 0: I'm just retyping in your email address just to make sure that we are sending everything correctly.\n\nChannel 1: My grandson stopped screaming, so they must have given him the banana he wanted.\n\nChannel 0: Oh, that's good.\n\nChannel 1: He just wants to keep out of eating bananas.\n\nChannel 0: Oh, that's really good. I love that. Here we go. Alright. So just double checking.\n\nI've got emails here as lisa.andrews11@bigpond.com and Scott\n\nChannel 1: Yep.\n\nChannel 0: .andrews11@bigatbigpond.com as well.\n\nChannel 1: Correct.\n\nChannel 0: Yep. Beautiful. I'm just gonna resend this one again. It's a pretty large document with a few things in it, so I'll press send on that again.\n\nChannel 1: Signature request.\n\nChannel 0: Yep. That's\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: one.\n\nChannel 1: one.\n\nChannel 0: Beautiful.\n\nChannel 1: So you want me to sign that one?\n\nChannel 0: Not yet. So\n\nChannel 1: Okay.\n\nChannel 0: if you can, press on the button that does say sign once you've\n\nChannel 1: Okay.\n\nChannel 0: both received it. You should both get an invite to it.\n\nChannel 1: Yep.\n\nChannel 0: You'll press the button that says to sign it, but it just allows you to go forward so you can review each of the documents there.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Beautiful. Now on those documents, there should be either a button that says next or an arrow so you can scroll through those documents.\n\nChannel 1: Yep. There is.\n\nChannel 0: Yep. Beautiful. Excellent. So this is the statement of advice, it wouldn't let us shuffle the documents around because technology is having a bit of problem today. So if you sort of go through, it is the sixth document along out of the eight.\n\nSo if you can just press the next button till you get to the document that says statement of advice there for me.\n\nChannel 1: Oh, I must've went too far. Uh-oh.\n\nChannel 0: Yeah.\n\nChannel 1: How do I go back?\n\nChannel 0: That's okay.\n\nChannel 1: I only thought I hit 3, but I must've it's taken me to a signing page, and it won't let me out of it\n\nChannel 0: Oh, okay. Very\n\nChannel 1: with\n\nChannel 0: bizarre.\n\nChannel 1: an\n\nChannel 0: Will\n\nChannel 1: external\n\nChannel 0: it let you\n\nChannel 1: third party authorization.\n\nChannel 0: yep. So that one there is the last document. If you go back one document, does it have an arrow or button so you can scroll back at all?\n\nChannel 1: Nope. But I might jump out of it and just go back into the document,\n\nChannel 0: Yeah.\n\nChannel 1: and maybe that'll\n\nChannel 0: That's\n\nChannel 1: work.\n\nChannel 0: that's all good.\n\nChannel 1: Okay. So we've got page one, two, and go next document. Which one am I looking for? Statement of drawings.\n\nChannel 0: The\n\nChannel 1: Statement.\n\nChannel 0: statement of advice. Yeah.\n\nChannel 1: Okay. Next. Oh, it's taking me back to that again.\n\nChannel 0: Oh, that's really bizarre.\n\nChannel 1: Okay.\n\nChannel 0: Can\n\nChannel 1: So when\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: see the can you see each of the documents by heading on the side of it at all?\n\nChannel 1: no. But\n\nChannel 0: No.\n\nChannel 1: let me\n\nChannel 0: That's okay.\n\nChannel 1: press that button.\n\nChannel 0: There is\n\nChannel 1: I\n\nChannel 0: that's okay.\n\nChannel 1: I can\n\nChannel 0: There's something else that we can do if you it's easier for you, actually. If you go back into my supporting documents email and go down to the attachments, I've actually attached the whole statement of advice in there for you. We can\n\nChannel 1: Okay.\n\nChannel 0: just open up that one and go through that one to make it easier, and then I can always resend this if it's if the Odoo isn't working properly because it has had a little bit of a bug today. It's been a bit slow and not really doing what I want it to. I can always resend it if you have any problems kinda going through and reading the documents.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Cool. I've\n\nChannel 0: Otherwise\n\nChannel 1: got that\n\nChannel 0: hopefully,\n\nChannel 1: open.\n\nChannel 0: it'll just need a second. It might load for you a bit later on.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: So on that one there you've got that one?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So that one there is a statement of advice prepared for both of yourselves. So Lisa and Scott Andrews on the top there. We do date the document as of today's date for you just so all of our documents are valid for thirty days from the date on the front of the document. On the\n\nChannel 1: Yep.\n\nChannel 0: very bottom there, it has been prepared for by myself and my lovely team here at Oakview Financial, and my license number is noted on the bottom for you both there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: As we kinda scroll through these next few pages, I will kinda skip a a few sections and skip pages here and there, but I'll let you go back and have a really good read of the document. It's just about making sure that I base on the areas that we need to touch on for you. And\n\nChannel 1: Yeah.\n\nChannel 0: this is a fairly big document for you both there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The next phase has the best interest duty. So just outlining there, essentially, that we provide advice under the best interest duty, which is a part of the corporations act. Essentially, we may need to take reasonable steps to make sure we understand your goals, your objectives, and any advice provided does need to be there to meet your goals and within the best interest duty.\n\nChannel 1: Yep.\n\nChannel 0: The next page is a table of contents, and then the next couple of pages are outlining areas to which we are scoping in and or add advice. So you both had essentially goals with superannuation of reviewing your super, Lisa, and seeing whether moving into hub twenty four and or, you know, linking the account was of benefit to you in helping you to meet your goals. And you both\n\nChannel 1: Yep.\n\nChannel 0: have a goal of retiring at age 60 and drawing an income from super of around about 6,000 per month. We're looking at a total oh, sorry. That's actually 4,000 per month. My apologies. We're looking at a total of 96,000 per year.\n\nSo you're looking at essentially drawing a little bit from each super fund over the time. We're working on about 96,000 per year to give you regular income there. Does that still sound appropriate?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We're also scoping in, essentially, looking at your work hours. So one of the things that you wanted us to look at was whether you could drop hours to 50%. That is something that Scott has done and is enjoying it, and you want to do the same thing. So we looked\n\nChannel 1: Yep. Yeah.\n\nChannel 0: at your monthly expenditure of 4,700 as provided and looked at your wages to see whether that would work for you, and I have made that recommendation down here for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I've also scoped in on the next page their estate planning. So when we are looking at superannuation and insurance, it's just making sure that you do have the estate planning and beneficiary set up in line with your goals there as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay? On the next page, we've got the insurances. So you both have separate insurance goals, essentially. Alicia, you've got some life and TPD within your rider super account looking at keeping the cover amounts the same, by looking how to use it or how to transfer them or how to keep the same level of cover, but also have it paid out of super whilst looking at other super funds for you as well. You've got\n\nChannel 1: Yeah.\n\nChannel 0: your employer paid income protection policy, which is a great policy as we kinda went through last time, and you were happy to keep holding that, and you weren't looking at getting any additional trauma cover at the moment. Does that still sound appropriate?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Scott, for yourself, you wanted to look at reviewing your insurances as well. So you have\n\nChannel 1: Yep.\n\nChannel 0: life and TBD and some income protection. You've dropped your hours to 50% from where they were a few months back. So we were looking at making sure your income protection could be in line with your current income amount and also\n\nChannel 1: Yep.\n\nChannel 0: looking at whether reducing your life and TPD to 250 or canceling them was more appropriate for you and what that would look like. So I've definitely taken that into account and looked at options for you there as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. On the next page, we have a limited scope. So these are areas that we have still considered as part of the advice, but that we might be limiting the recommendations around or just focusing or keeping in here because they are related to other areas. The first one is a deferred benefit scheme. So you have that lease.\n\nYou're happy to keep it as is. In all honesty, it should absolutely stay where it is.\n\nChannel 1: Yeah.\n\nChannel 0: You have you have, essentially, potential consequences for transferring the benefit before 55 and even 60. So we're looking at maybe altering things and changing that down the track, but for the time being, keeping that in place. So I have\n\nChannel 1: Yeah.\n\nChannel 0: left the recommendation in that to retain that as it is. We have got a full strategy in here to retain that the same as we did last time, but\n\nChannel 1: Yep.\n\nChannel 0: this is making a note that we are keeping that for the time being. This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as well. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. On the next page there, Scott, with your superannuation, so we did do advise for yourself a few months back there, and so we did look at your super and make some alterations to your super and the investments within there.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, I have reviewed that to make sure that it is all working still appropriately for you. Essentially, I'm not making a lot of changes with regard to your super, but we have focused on essentially reviewing that. I'll sort of go through that a little bit with you down the track here, but it's all kind of in line with what we recommended back in March. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And then the last part here is the retirement aspect. So you guys are within that sort of ten to twelve years of retirement. So we wanted to limit it scoping to show you with the recommendations that we are making how that does look over the next sort of twelve years based on the research for you. This is\n\nChannel 1: Mhmm.\n\nChannel 0: obviously projected outcomes. This does need to be reviewed on a regular basis with you, so we will definitely look to do that. But we've got some additional research in the appendices to show you what that\n\nChannel 1: Cool.\n\nChannel 0: looks like as well. Okay? Excellent. And then on the next page, areas that we're not focusing on advice with regard to this document. So, Scott, you've got your BHP shares.\n\nYou are happy to keep those as they are at the moment. We're not making any changes to those shares currently. Essentially, we can look at those down the track when and if you are ready to, you know, make any changes or sell or utilize those shares in any way.\n\nChannel 1: Yep.\n\nChannel 0: The next page outlines the motor home. So you guys are looking to fund and purchase a new motor home. You've got the funds sitting in the offset account at the moment. We're not providing advice around utilizing that. That is something if you wanted additional support on, we could provide advice down the track.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. And then we've also got the home loan and the CDT provisions there. You put the money aside from the sale of your investment property to keep all your capital gains bill when that comes around. We're not providing any additional advice on that. Currently, you are happy with just keeping that money aside until the bill comes up, and you have to send that money off to lovely ATO there.\n\nSo this is scoped out of the advice currently, but should you need any additional support, we can look to provide additional advice down the track there for you as well. Okay. Beautiful. Is there any change to any of your goals that we maybe need to note\n\nChannel 1: Yeah.\n\nChannel 0: down at all?\n\nChannel 1: No. No. No.\n\nChannel 0: No? Beautiful. Excellent. The next page is the about you section, so the information consolidated from your recent staff funds that we were able to complete. And then the following pages outline all your assets and liabilities as per our last conversation.\n\nThere could definitely be some changes on this one. There's nothing that really affects the advice as such, but if there are any major changes that you would like us to have reflected in the back end, we absolutely can do so. We have noted the mortgage as your liability there, sitting at the $193,000, just because it is still an open loan facility, but I have noted the offset account there above, and that obviously does cancel that out as well. So it's just noted there because it is still an open facility. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. The next page outlines your current superannuation balances. So we've got the defined benefit and your Vita Super account there, Lisa. And then underneath that, Scott, we've got your current super balance of $690,370.78 there, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And then the next page outlines your current insurances. So, Lisa, we've got your rider super with your life and TPD cover noted. And then, Scott, we've also, on the next page, got your Zurich policy with your life and TPD and the income protection policy noted there\n\nChannel 1: Yep.\n\nChannel 0: as well with the current premiums for each.\n\nChannel 1: Yep. And that's just yeah.\n\nChannel 0: Excellent.\n\nChannel 1: I think I got an email about that the other day or something. That must be coming through the zero clients.\n\nChannel 0: Yeah. Renewal. Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's all good. I'm gonna skip forward a couple of pages there. If I can get you to scroll\n\nChannel 1: Yep.\n\nChannel 0: down to page number 22 there for me. This is probably the part that you are most keen to look at, Lisa. This is about whether you can reduce your hours or not.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So with this one here, I did go back and have a look at everything. And I know before I went on leave, I did sort of make mention that it was looking really good, and it absolutely is looking really good. So\n\nChannel 1: Oh, good.\n\nChannel 0: with going with going back and having a looking at all sorry. My apologies. With going back and having a look at all, I am recommending that you do reduce your hours. So you cut your hours by 50%. Essentially, with your payslips, you're working about seventy two hours per fortnight.\n\nSo it would be cutting back to thirty six hours per fortnight. When we look at your wages, your previous income was approximately $18,787.06 per annum, and that provided take home pay on a monthly basis of $11,159.97 per month.\n\nChannel 1: Yep.\n\nChannel 0: With the proposed reduction, we've kinda gone the math for you, and it works that your monthly take home pay is expected to be $6,108.17.\n\nChannel 1: Yep.\n\nChannel 0: With Scott having already reduced his hours, his take home pay per month is about $5,804.58 per month. So, essentially, when we add those two together, it's giving you a monthly net income of $11,912.75. Then we\n\nChannel 1: Yep.\n\nChannel 0: subtract away your monthly expenditure of 4,700 per month, and that leaves you with surplus monthly income of $7,212.75. So this still\n\nChannel 1: Cool.\n\nChannel 0: works. It allows you to reduce your hours so you can\n\nChannel 1: Yep.\n\nChannel 0: enjoy your life as well. You're still\n\nChannel 1: Yeah.\n\nChannel 0: bringing home enough between the two of you. It's covering your monthly expenditure and then giving you additional surplus after that's being subtracted out. So this does work for you. So\n\nChannel 1: Cool.\n\nChannel 0: there you go. Recommending\n\nChannel 1: Awesome.\n\nChannel 0: that it you do reduce your hours and you enjoy your life.\n\nChannel 1: Cool. Now I just need to get the boss on board.\n\nChannel 0: Yeah. Yeah. You said you were gonna have a chat to him the other\n\nChannel 1: I\n\nChannel 0: week.\n\nChannel 1: have.\n\nChannel 0: How did that go? Yeah?\n\nChannel 1: Yeah. He's he's on board. I just need to find someone else to do my fifth other 50%, So\n\nChannel 0: Yep.\n\nChannel 1: that's the\n\nChannel 0: Yep.\n\nChannel 1: catch.\n\nChannel 0: You've gotta find someone. Understandable.\n\nChannel 1: Yeah.\n\nChannel 0: At\n\nChannel 1: So\n\nChannel 0: least\n\nChannel 1: we're working\n\nChannel 0: you get to\n\nChannel 1: on\n\nChannel 0: have\n\nChannel 1: it.\n\nChannel 0: con, yeah, at least you get to have a bit of control around that. I think that's one of the the positives about that scenario is that you get to make sure the person can do the other half of your job properly so you're not, you know, working half the hours between twice the amount of work. So\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: yeah. Excellent. So, look, I'm really happy with that. It works really well. I was really glad that we were able to make this work for you.\n\nI know it took a little bit longer to do all the numbers and run everything properly, but then it was also about making sure it works for your super as well\n\nChannel 1: Yeah.\n\nChannel 0: because we don't want you to reduce hours and then find that you're not gonna be on track for what you need with regard to your super debt. So really\n\nChannel 1: Exactly.\n\nChannel 0: happy with this. The recommendation\n\nChannel 1: Cool.\n\nChannel 0: is there for you to do that. So now once you've got all of that in place, you'll be able to plan your trips away and enjoy, you know, taking a little bit more time for yourself and your family, which essentially was the goal with that one.\n\nChannel 1: Yeah. Definitely. Awesome.\n\nChannel 0: Excellent.\n\nChannel 1: Thank you for that.\n\nChannel 0: Yeah. No. That's absolutely fine. I really enjoy putting that together. My poor admin team, they were just beside themselves, so I did a lot of that research and sort of showed them how to do it.\n\nBut I\n\nChannel 1: Yeah.\n\nChannel 0: really enjoy things like that. That's really, you know, part of the job that I think is the most valuable is being able to look at, you know, how someone can make their additional goals, not just super insurances, but looking at other areas that's important to them as well. So this was a lot of fun to put together, and I thank you for the opportunity.\n\nChannel 1: Yeah. Thank you. It's it's a relief.\n\nChannel 0: Then\n\nChannel 1: It's because in\n\nChannel 0: yeah.\n\nChannel 1: my head, I'm like, I really, really wanna do it, so I hope it works.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely. No. That's fantastic. On the next page, it does kinda break down the cash flow recommendations for you with regard to some of the research. And then it's also outlining advantages, disadvantages, and risks and alternatives that we've looked at for you as well as part of the research.\n\nOkay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Cool.\n\nChannel 0: If I can get you to go down to page number 25 there for me as well.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So I did go back and look at your previous recommendation with regard to the super side of things.\n\nChannel 1: Yep.\n\nChannel 0: I had a look at Hub twenty four, which is where Scott Cooper is as well as all the other super funds out there and compared that with Brida. I am still recommending that we do, obviously, move you into Hub twenty four. I'm recommending\n\nChannel 1: Yeah.\n\nChannel 0: that the behind the things, we will link your two accounts together. So where it's you have two separate super funds, but they're linked together in the back end. So it's called a family fee linking\n\nChannel 1: Yep.\n\nChannel 0: aggregation. We link everything in the back end. So when you both log in to Hub 24 and see both your super accounts, they'll both be showing there nice and clear. So you can both log in to either account and see them all. It helps to sort of save admin fees in the back end, which is actually really good for you both.\n\nWhen I had\n\nChannel 1: Yeah.\n\nChannel 0: a look at the family fee aggregation, it actually worked out that by having both of the accounts linked in the back end, as well as giving you greater visibility of the combined superposition that you're in, it was actually going to save you approximately $819 per year on administration fees behind the scenes. So that's a really\n\nChannel 1: That's\n\nChannel 0: great benefit\n\nChannel 1: good.\n\nChannel 0: for you both. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: We're also gonna change your surname with Brighter Super before we do anything because that's probably the biggest thing to start with here. What I'm going to probably need to do, Brighter Super won't accept our the way we do the ID side of things here. So I am gonna have to ask if you can send me an actual copy of your driver's license just so we can provide that to Brighter Super with the change\n\nChannel 1: Yep.\n\nChannel 0: of name details. And\n\nChannel 1: Yep.\n\nChannel 0: then we'll also probably need to get a copy of your marriage certificate as well just so we\n\nChannel 1: Yep.\n\nChannel 0: can kind of confirm. But my admin team will just make sure that they have, let you know everything that they need to be able to get that form completed, signed, and sent off\n\nChannel 1: No\n\nChannel 0: to\n\nChannel 1: worries.\n\nChannel 0: Brighter Super there. Okay?\n\nChannel 1: And I've got a change of name certificate too, so you'll probably want that as well.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Let's just flood them with all the information possible so they can't come back and say they've got any issues.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Once we've changed your name on Brighter Super, we'll establish your Hub twenty four Super account. We'll have to do your change of name first. That way,\n\nChannel 1: Yes.\n\nChannel 0: everything is opened up correctly,\n\nChannel 1: Yeah.\n\nChannel 0: and then we'll do a partial rollover. We do leave 10,000 behind inside your Brighter sofa initially and complete the rest of the rollover.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, that is so we can do things in part. So we'll do a partial rollover, leave 10,000 behind, and then we'll sort your insurance transfer out for you as well. And then once\n\nChannel 1: Cool.\n\nChannel 0: we've completed the strategy, then we close off your Brighter Super. We never close off the Brighter Super until we have the insurance component in place. Otherwise, it it's a risk of leaving you unprotected for a period of time, and we do not want that in any way, shape, or form.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay? So for the time being, just keep your contributions going into your Brighter Super account. My team will let you know when they're ready for you to transfer those over, just making sure that everything is done in a nice easy manner for you. So we essentially do things in steps. And in the back of the document, I've got an outline of all the steps there for you so you can kinda see how that is set out.\n\nAnd my team just basically follow those steps one by one to make sure things are done in a certain order and to make sure you that you're aware of what they're doing and when they're doing it to make it\n\nChannel 1: Yep.\n\nChannel 0: easier on yourself as well. Okay? Excellent. That is the main part of the recommendations there for you with regard\n\nChannel 1: Mhmm.\n\nChannel 0: to the super. Essentially, the what with the rollover, with the balances there, the full balance will be rolled over, but we'll start with just a partial rollover. So it's about $512,008.47 based on the current reset is rolled over first. We leave 10,000 behind. And then once we've completed the insurance strategy, my team will let you know when they're gonna complete the final rollover, and they'll get you to move your contributions then as well.\n\nOkay?\n\nChannel 1: Yep. Cool.\n\nChannel 0: Excellent.\n\nChannel 1: I did notice one mistake on page 27.\n\nChannel 0: Oh, where?\n\nChannel 1: The it says Lisa nominates Andrew as part of your family group, and Andrew nominates Lisa\n\nChannel 0: Yeah.\n\nChannel 1: instead of\n\nChannel 0: Sorry\n\nChannel 1: Scott.\n\nChannel 0: about that. I\n\nChannel 1: That's\n\nChannel 0: will get\n\nChannel 1: okay.\n\nChannel 0: that fixed up. No. No. That's okay.\n\nChannel 1: Just what I\n\nChannel 0: I\n\nChannel 1: pointed\n\nChannel 0: will\n\nChannel 1: out.\n\nChannel 0: no. Thank you so much for that. There's a lot in here, so, yeah, there are\n\nChannel 1: There\n\nChannel 0: can\n\nChannel 1: he\n\nChannel 0: be\n\nChannel 1: is.\n\nChannel 0: little little little things there. I\n\nChannel 1: That's\n\nChannel 0: will\n\nChannel 1: what happens\n\nChannel 0: just\n\nChannel 1: when\n\nChannel 0: get\n\nChannel 1: you have two last names, which is that.\n\nChannel 0: yes. Yes. Yes. No. That's okay.\n\nI will in the DocuSign, the OdooSign one, I'll have that little bit fixed up, and I'll resend that out to you because I think that the OdooSign might be a little bit\n\nChannel 1: Yep.\n\nChannel 0: a little\n\nChannel 1: I've\n\nChannel 0: bit\n\nChannel 1: got it\n\nChannel 0: slow\n\nChannel 1: here.\n\nChannel 0: and a bit\n\nChannel 1: Yeah.\n\nChannel 0: might not be working as well. So I'll update that and resend it to you shortly. It won't be a problem. Okay.\n\nChannel 1: No problem.\n\nChannel 0: Excellent. Underneath that, when you do take some time to read it over again, we've got the advantages, disadvantages, the risks, and any alternatives considered there as well. We do\n\nChannel 1: Yep.\n\nChannel 0: look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. If you can scroll down for me to page number 31.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. So this is essentially showing you the fee comparison table. So with the recommendations there, you've got your current Brighter Super account there. You've got your current investment fees, administration fees, your contributions going in, and then also insurance premiums currently coming out as well.\n\nWith\n\nChannel 1: Yep.\n\nChannel 0: the contributions, this is based on the essentially, what what it looks like after you've reduced your sorry. Reduced your hours by 50% so your contributions are less of so than what you can currently what you're currently receiving.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry about that. My throat's a little bit sore this afternoon. With the implementation fee, we still do charge the implementation fee. As I mentioned last time, it's $4,909,150. That is deducted out of the super account as soon as the funds are rolled from Vita Super into Hub twenty four for you.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: it comes\n\nChannel 1: Yep.\n\nChannel 0: out as soon as the funds hit the cash account. That way, we can have the funds invested for you and make your money back nice and quickly. It does mean that with the expected rollover, once the funds are in Hub 24, we expect it to be around at the $512,008.47 once everything's been completed. When\n\nChannel 1: Yep.\n\nChannel 0: we look at the difference in the fee structure, with hub twenty four, it is a little bit higher, and this is also taking into account the fee the fee savings by having everything linked in the back end there. It does increase your administration fees slightly by about $724. However, have 24 in the portfolio that I'm putting you in is actually cheaper in investment fees. It's\n\nChannel 1: Okay.\n\nChannel 0: saving $1,896 in investment fees, which is a positive to you.\n\nChannel 1: Yeah.\n\nChannel 0: So when we look at the investment fees as well as the administration fees, sorry, overall, you're actually saving money by moving into hub 20 four. And then with the family fee aggregation as well, that'll work for your benefit and provides a greater saving long term. And that's one of the things I like to look at is making sure that you're not spending all this money on fees,\n\nChannel 1: Cool.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: there are some benefits that we're lowering fees where possible. Some more money stays invested in your super working harder for you long term as well. Okay? Do you have any questions so far at all?\n\nChannel 1: No. I'm all good.\n\nChannel 0: No? Beautiful. Excellent. We've got the ongoing service fee there as well. So, essentially, at the moment, Scott is on 1.65% for the ongoing service fee.\n\nWe will reduce that with you coming on board. Your ongoing service fee is 1.10%, and we will make\n\nChannel 1: Yep.\n\nChannel 0: sure that reflects in Scott's Super as well. So that's what you'll both be on for the next twelve months. And then we review that with you every year moving forward and make changes as needed too. Okay?\n\nChannel 1: Cool. Cool. Sounds good.\n\nChannel 0: Contributions contributions going in at the rate at the dis at the lower rate because you will have dropped your hours and be only working 50% and enjoying your life, which I'm so excited to see what you guys are doing. And then I've also made the recommendation to transfer your insurances as I did previously, which essentially does make it the lower premium. So it's also saving money on insurances. I'm expecting to save you about a $147 a year, which is really important again. So less money going out of your super for insurance premiums also provides a greater benefit to you.\n\nOkay?\n\nChannel 1: Oh.\n\nChannel 0: Beautiful. With your current super fund within Brighter there, we've got the balanced growth portfolio. This is where you're sort of invested currently. When we look at how this has been performing over the past five years, it's averaged about 6.85%. Definitely\n\nChannel 1: Yep.\n\nChannel 0: not a bad return, but it's not what we wanna see. We wanna get the best we possibly can. With the growth portfolio that I'm putting you into, it's averaged about 10.44%, so definitely a much greater return.\n\nChannel 1: Yeah.\n\nChannel 0: And if you look below that, you've got the projection table that shows over the next five, ten, and twelve years, if the portfolio can average what it has over the past five years, this is where it could actually see you ending up. And this is just in hub 24, so this is not including your deferred benefit amount. So that could obviously\n\nChannel 1: Yeah.\n\nChannel 0: if we are able to roll that in at around about age 55 or 60, whichever feels more appropriate, which when we will do the advice, we'll look at that. That could\n\nChannel 1: Yeah.\n\nChannel 0: add on top of that and provide you with a much bigger benefit down the track as well.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. Do you have any questions so far at all?\n\nChannel 1: Not all good.\n\nChannel 0: No? Beautiful. Excellent. The next page does outline the difference in the average returns that each of the different portfolios have received there for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now the next page outlines the investments that we're gonna invest you in. This is a bit different. So I went back and reviewed my recommendation last time because last\n\nChannel 1: Mhmm.\n\nChannel 0: time we had recommended our SMA product to you. That\n\nChannel 1: Yep.\n\nChannel 0: well, has been performing really well. This portfolio has actually been performing much better, and it's\n\nChannel 1: Okay.\n\nChannel 0: also actually a lot cheaper. And that's one thing I wanted to look at was how to have the funds invested in a portfolio, but limiting\n\nChannel 1: Yeah.\n\nChannel 0: the amount of investment fees that you have to pay as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Beautiful. So, essentially, with the top of this one here, your deferred benefit stays exactly as it is with the current balance there. With the brighter super, we'll take out all the full balance there and have that invested into hub twenty four as per the below portfolio. This might look a\n\nChannel 1: Yep.\n\nChannel 0: little bit similar to Scott's because it basically is the very same portfolio.\n\nChannel 1: Okay.\n\nChannel 0: It's the growth portfolio. So you'll see about 5% invested in cybersecurity, 8% in the Europe investment. This is giving you access and exposure to all 16 European countries. We're also looking at 5% in Japan. Japan is still a really good place to be invested, has seen a lot of growth.\n\nAnd when we look at how things have gone this year, Japan was really well prepared for their for their members and with the fuel and everything as well. So it is still a really good place to be invested in Japan there.\n\nChannel 1: Cool.\n\nChannel 0: Sorry. The other one there is the Vanguard All World ex US. Now this is giving you exposure to the entire globe minus The US market. One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios. This investment gives you access and exposure to the entire globe minus The US Of A.\n\nWe see 8% invested in here, and it's a really good investment. Has actually seen some very good growth over the past few months there as well.\n\nChannel 1: Okay.\n\nChannel 0: Because that investment doesn't have The US, we wanna make sure you do have some US exposure. So we're looking at the S and P 500. This is essentially just tracking the S and P 500 index. The S and P 500 index can encompass anywhere from the top 500 to the top 520 different companies. Because it tracks the indices, essentially, every quarter, the investment committee of the indices do meet, and they talk about which companies are qualified to remain in the S and P 500.\n\nIf a company no longer qualifies, they are removed from that indices, which means that they are removed from every investment that is following the indices. So this essentially shows that you are always tracking the top 500 companies on The US. Over the longer term, we do see really great returns in The US market. Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you. We do see volatility\n\nChannel 1: Yep.\n\nChannel 0: in the shorter term, but long term, we do get great results out of them. Out of them.\n\nChannel 1: Cool.\n\nChannel 0: Underneath that, you've got the BetaShares a 200. This is giving you access and exposure to the top 200 companies on the ASX. Let's say 20% invested here for Australian equities. Essentially, this is these companies, again, very much like the S and P 500. They are it is on the top 200 companies.\n\nSo we are looking at an index here. Essentially, with the companies within the indices, if they don't meet the criteria to be in the top 200, they are removed out. So, essentially, you are always tracking the top 200 companies on the ASX, which is a positive thing. In Australia, whilst we don't tend to get the a lot of returns the same as The US or overseas or international markets do, we do still see really good growth, and our market tends to follow suit with The US as well. So it is still really good to have a little bit of glow a little bit of local investment within the ASX market also.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, you've got the global physical gold. This is giving you exposure to glow to physical gold. This is held in a a vault in The UK, believe\n\nChannel 1: Mhmm.\n\nChannel 0: it or not, but it is giving you access to actual physical gold, which is great. Physical gold is a growth investment. It does save really good returns longer term. It doesn't pay any income. So this focus solely around growth.\n\nSo we are looking at holding only 10% of this because we also want these portfolios to generate income for you. We wanna see\n\nChannel 1: Yes.\n\nChannel 0: a combination of growth as well as income. Income is great for compounding because with growth, you have to sell the investment to cement the growth. With income, it's paid to your cash account, and that is reinvested back into your portfolio for compounding. So having\n\nChannel 1: Yep.\n\nChannel 0: some physical gold in there, getting some additional growth there, holding about 10% is great. The other thing we all tend to like about physical gold is that it is a bit of a safe haven. So we see a lot of growth there, but when equities don't perform so well, people tend to move money into into gold as a bit of a safe haven. So it can act defensively when it needs to as well, which is great.\n\nChannel 1: Yep.\n\nChannel 0: And then because even that growth portfolio, which as we kinda went through last time has the eighty twenty split between growth and defensive investments, we also want some lower risk defensive investments. So we're looking at core composite bonds. So this is giving you access and exposure to government as well as corporate bonds. Bonds are very similar\n\nChannel 1: Mhmm.\n\nChannel 0: to term deposits, pay income payments on a regular basis, and they are reinvested back into your portfolio for compounding. 10 normally, bonds like term deposits and other fixed interest investments, When equities aren't performing so well, these investments do tend to provide good growth as well.\n\nChannel 1: Okay.\n\nChannel 0: So it's a bit of a combination of both. These are seen as lower risk, and it's good to have a bit of a mix in there for you. So this is essentially where you would see your funds invested after moving out of the Brighter Super. I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested. But did you\n\nChannel 1: Yep.\n\nChannel 0: have any other questions about those investments? Did you want me to go a bit deeper on anything for you?\n\nChannel 1: Not all good. All good my end? Yeah. They're\n\nChannel 0: Beautiful.\n\nChannel 1: performing\n\nChannel 0: Excellent.\n\nChannel 1: well.\n\nChannel 0: Do you have any questions for any of those at all, Scott?\n\nChannel 1: No. No. They're pretty much the same as mine anyway, aren't they? So\n\nChannel 0: They\n\nChannel 1: they're\n\nChannel 0: exactly\n\nChannel 1: all\n\nChannel 0: are. Yeah.\n\nChannel 1: yes. Yes.\n\nChannel 0: Yeah. Excellent. On the next page, you'll see there the cash account. So we do need to hold 1.25% cash there. That essentially means it will hold $6,410.59 in cash.\n\nOkay. Beautiful. With the next one, if you go down the page number 36 there for me, this is just about retaining your deferred benefit with QSuper.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, there's no changes here. This is a great product. The funds are sitting in here. They just grow along with, you know, the the average wage option. They\n\nChannel 1: Yeah.\n\nChannel 0: just grow along with the internal indexation growth rate, which is fantastic, and it's kind of having a little bit of a safe net in the back end for\n\nChannel 1: Yep.\n\nChannel 0: you as well. So keeping this there down the track, would we'll have a look at it again around the age 55 to sort of see, you know, how it's tracking and whether there is any is it whether it is worth changing. Because of\n\nChannel 1: Yes.\n\nChannel 0: the different taxation rules within this product, it is generally better to wait till age 60 to be able to move it around, but we'll look at it at age 55 as well as 60 to sort of work out when it is a more suitable time to do so for you, what that looks like for you, and when it provides a greater benefit to do so. And I'm looking forward to this. I really enjoy these products. They are fantastic. I actually asked my boss to set, like, a defined benefit.\n\nI asked him, like, no. So they are a really, really good in, super product. So we'll keep that there as long as we can. I do\n\nChannel 1: Yep.\n\nChannel 0: and have outlined why that is in your best interest as well as any advantages, disadvantages, risks involved, and any alternatives that we have considered as part of the research for you for this one as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The next page on page number 40, this is essentially looking at the insurance side of things for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So the same as last time, I am recommending that you just retain the level of coverage you have within Brighter Super Bowl, but we transfer it to hub twenty four. We did\n\nChannel 1: Yep.\n\nChannel 0: do the questions last time to confirm eligibility.\n\nChannel 1: Yeah.\n\nChannel 0: It is cheaper to hold the the same insurance cover within hub twenty four. It saves you a bit of money, which is really important to note. The other side of that, as we kinda went through last time, is your employer is currently paying for your insurances within Brighter Super. So it does mean that you'll lose out on that little bit of extra money that's being paid for the insurances. These insurances will then be paid out of your super fund, but they are also cheaper.\n\nSo when we look at\n\nChannel 1: Yeah.\n\nChannel 0: the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly. Long term, it provided a much greater benefit there for you, and it's still keeping\n\nChannel 1: Yep.\n\nChannel 0: the same level of cover there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Underneath that, I've got the best interest duties for outlining how this meets your goal and what's in your best interest to do so. And we've also got the advantages, disadvantages, and the risks involved there for you.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Sorry. On page 42 as well, we do also have a little table, and that just shows you your current recommended. But it also shows you if you weren't paying for any insurances out of your super, essentially, the impact over the next five to twelve years there, you will see\n\nChannel 1: Yep.\n\nChannel 0: when you look at this twelve year impact, it is only very minimal. So these insurances aren't having as huge an effect on you or or on your super long term, but it is important to note that they are there to provide you with a little bit of cover. And if you were to claim\n\nChannel 1: Yeah.\n\nChannel 0: on them, a 106,000, you know, could definitely provide you with a little bit of extra benefit there as well.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Sorry. On page number 45, we've got down with your income protection policy. So you do have your income protection policy through your employer. That is a\n\nChannel 1: Yep.\n\nChannel 0: beautiful policy. I've got all the same information there from the last time there. I reread sorry. Sorry. Rereread their, PDF disclosure statements as well.\n\nThis is fantastic. So keeping this basically means that you've got that income protection cover there\n\nChannel 1: Yep.\n\nChannel 0: without having to pay the premiums. And, honestly, the best type of insurances you can have is cover you don't have to pay for. So\n\nChannel 1: Exactly.\n\nChannel 0: retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection. And one of the biggest things is that when you do apply for income protection, because it's the first thing we claim on, it is the most expensive type of insurances to hold. So having\n\nChannel 1: Yep.\n\nChannel 0: this here, does provide you with a good benefit. They essentially have that forty five day waiting period. They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks. So it is really good. The only sort of downside is the older you get, the less the benefit period is.\n\nSo when you're under, you know, sort of seventy seventy years of age, they cover a hundred and four weeks. When you get to 70 or 75, it drops to fifty two weeks. And when you're over 75 years of all age, they only cover you for thirteen weeks. So that's probably the real disadvantage of this product. But you're well\n\nChannel 1: Yep.\n\nChannel 0: and truly under 70. So a hundred and four weeks of income protection, and starting thirteen weeks of a 100% of your income is absolutely unheard of because,\n\nChannel 1: Yeah.\n\nChannel 0: as of currently, income protection products only cover up to 70% of your income, so this is a really good product to keep for you.\n\nChannel 1: Cool.\n\nChannel 0: Excellent. The next sorry. The next page down is going to be for Scott. If you can go to page number 49 for me.\n\nChannel 1: Thank you. Yep. It's called strategy recommendations.\n\nChannel 0: Yeah. This is you. I promise I haven't forgotten you. All good. So with this one here, as I kinda went through with you, Scott, we did provide advice in March, and that was to alter your superannuation portfolio.\n\nI've gone back\n\nChannel 1: Yep.\n\nChannel 0: and reviewed all of that with you. It is working really well at the moment. There's no real need to change your portfolio within hub twenty four currently. So I'm recommending you retain the super fund and also the portfolio as it is.\n\nChannel 1: Yep.\n\nChannel 0: But we are gonna in the back end, the same as with Lisa, we'll set up the family fee aggregation for you. That way, it is all linked in the back end. And and, again,\n\nChannel 1: Yeah.\n\nChannel 0: we sort of worked out it's a bit over $819 that we can work out that you do save combined on administration fees. That's a really good saving for you both. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We on the next page down on the sorry. Page 50, this is where we looked at the insurance side of things for you. So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or\n\nChannel 1: Yep.\n\nChannel 0: down to zero and basically cancel them out. You currently have about 551,250 of life and TPD paid within super, and you're\n\nChannel 1: Yep.\n\nChannel 0: it's costing about $1,597 currently. What\n\nChannel 1: Yep.\n\nChannel 0: I am recommending is that we don't cancel it completely. I'm just recommending you reduce it back to 250,000. The main\n\nChannel 1: Yep.\n\nChannel 0: reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have. However, you do also have your CGT bill and you wanna buy your caravan.\n\nChannel 1: Yep.\n\nChannel 0: And as much as that you know, it's still only a very small amount. If you were to pass away, that extra 250,000 plus your super balance paid to Lisa would allow her, if she needed to, to stop working completely, you know, take care of the family. Other\n\nChannel 1: Yep.\n\nChannel 0: family members come in. Funerals are expensive. There's lots of things to work out, but then it would allow her time to grieve and stop working completely if that's what she wanted to do as well. So having\n\nChannel 1: Yep.\n\nChannel 0: that little bit of extra cover was really important. The other thing that kinda came to me when I was looking at this was what happens if you're TPD without having this even smaller of total permanent disability? If you were never able to go back to work again due to permanent incapacity, and Lisa\n\nChannel 1: Yep.\n\nChannel 0: had dropped to 5050% of her hours, without having this kind of buffer, she may have to while her income still covers your regular expenditure, it does\n\nChannel 1: Yep.\n\nChannel 0: add a little bit of extra pressure to her. She may have to then increase hours and go back to full time work, which is, again, adds\n\nChannel 1: Yep.\n\nChannel 0: additional pressure. The other reason people have TBD cover is to replace vehicles, to add home modifications for ongoing support, care, and sometimes rehabilitation costs are involved as well. So, I sort of looked at everything, weighed up the risks, and looked at all the different outcomes there and decided that you keeping that two hundred and fifty thousand of TBD and life was appropriate. We're\n\nChannel 1: Yep.\n\nChannel 0: reducing it basically by half. So it does reduce the cost of the premium, which is important because that then allows more money to stay inside your super long term. But dropping it down in increments means that we're not making a huge drastic change. So giving you a little bit of cover is better than having none currently. And when you think about the risks involved with even just your job, you know, TBD is probably a big thing to consider.\n\nYou're more likely to have, you know, an accident or something happen where you're fully disabled or maybe not able to go back to work rather than the the life event, but\n\nChannel 1: Yep.\n\nChannel 0: having that little bit of extra cover is really important. The other side of it is this cover is sort of set in place with no major loadings or exclusions there. So if, you know, we were to cancel that completely and then you decided at a later time you wanted to reinstate the cover, we have to go back to an application. And that essentially\n\nChannel 1: Yep.\n\nChannel 0: means that if your health has changed, there could be loading exclusions that could be more expensive as well. So it\n\nChannel 1: Yep.\n\nChannel 0: does work out better to drop it down in increments, keep that level of cover as a buffer because there is still a risk of something happening to you, and making\n\nChannel 1: Yes.\n\nChannel 0: sure that if something did happen, that the pressure isn't left all on Lisa to kind of work full time, cover the bills, and or any additional expenses that come up there. So that's the reason I've made that recommendation and suggested we do keep that 250,000 of life and TV. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That sounds fine.\n\nChannel 0: Do\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: We'll\n\nChannel 0: have\n\nChannel 1: save\n\nChannel 0: any questions then?\n\nChannel 1: it. So no.\n\nChannel 0: Yeah.\n\nChannel 1: No. So there's a saving there, so that's good.\n\nChannel 0: Absolutely. On the next page down is the income protection component. So because you have reduced your hours with income\n\nChannel 1: Yep.\n\nChannel 0: protection policies, you can cover up to 70% of your income there. Your income protection was based on your higher income, so you were a bit over insured there. And as I kinda\n\nChannel 1: Yep.\n\nChannel 0: mentioned, income protection is the first thing we claim on, so it is much it is the highest part of our insurance cost, essentially.\n\nChannel 1: Yep.\n\nChannel 0: You were paying a bit over $3,000 for your income protection policy. I've kept the waiting and benefit periods the same as a user to say you're comfortable with those, but I have recommended that you do reduce your income protection monthly benefit back so that it sits at 70% of your current income amount. That way,\n\nChannel 1: Yes.\n\nChannel 0: you're not over insured. One of the biggest things that we do have is when we're over insured, we're paying for insurances we can't actually claim on, and that just doesn't seem to make any sense at all. So reducing that back saves you a bit more of a premium and keeps your income protection policy in line with 70% of your current income amount. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. On the next page, I've outlined the best interest duty there for you. Just noting basically what I have gone through there, just outlining why\n\nChannel 1: Yep.\n\nChannel 0: this remains in your best interest. And then I've also got the advantages, disadvantages, and the risks involved there. On\n\nChannel 1: Yep.\n\nChannel 0: page number 53, we've also got, the outcome projection table, essentially. So having a look at your current and recommended, this sort of shows you your current your current super balance with all the fees coming out currently and your\n\nChannel 1: Yep.\n\nChannel 0: current insurance premiums and the impact over the next five to ten years there. The recommended does the same with the reduction. So it'll essentially reduce your insurance premiums from over $4,600 to 2,232, which is a great saving up front.\n\nChannel 1: Yep.\n\nChannel 0: And then it projects it over the next five to ten years to where your super balance should end up based on the changes and the recommendations. And it also shows you the impact if you were not paying for any insurances out of your super. We just sort of like to let you know that it does have an impact on your retirement because we are paying these out of our super fund. But\n\nChannel 1: Yep.\n\nChannel 0: you can see by reducing that down, the impact is definitely lesser. It's also saving you a bit of money, keeping it, you know, invested for a much bigger compounding effect down the track there, which is great.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do you have any questions at all so far?\n\nChannel 1: No. That's good so far.\n\nChannel 0: Beautiful. Excellent. I've also outlined the advantages, disadvantages, the risks, and any alternatives there, so you are welcome to run your eyes over those.\n\nChannel 1: Yep.\n\nChannel 0: On page number 55, we do have the beneficiary side of things.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So, essentially, what we're recommending with the beneficiary is that you nominate each other. You'll see a little bit of a table on page 56 there.\n\nChannel 1: Yep.\n\nChannel 0: It's essentially making sure that, Lisa, you've nominated a 100% to Scott through your q super deferred benefit and also your hub twenty four super account. And, Scott, we have got your beneficiary on file updated for Lisa on your super. I've\n\nChannel 1: Yep.\n\nChannel 0: been waiting for Zurich to come back and confirm that it's on file for them as well. So I'm just gonna update the Zurich beneficiary to make sure that that is a 100% set up, that there's no issues with that to protect you guys in the event that anything occurs.\n\nChannel 1: Yep.\n\nChannel 0: The last thing we sort of want is for something to happen and then for the claims process to take longer and also and be a bit of a pain to your family members. So just making sure your Zurich life insurance policy is reflective and just making sure that leases have 24 super and q super do nominate yourself as well. So in the event that anything was to happen, and I want nothing to happen, that your beneficiaries can be paid to each other nice and comfortably. Okay?\n\nChannel 1: Oh.\n\nChannel 0: Beautiful. The only other thing in there is essentially looking at wills and powers of attorney. So just making sure that you do look at speaking to a solicitor, having a will and power of attorney drawn up. Those are also\n\nChannel 1: We have\n\nChannel 0: really\n\nChannel 1: both.\n\nChannel 0: important.\n\nChannel 1: We have\n\nChannel 0: Beautiful.\n\nChannel 1: a will and a power of attorney.\n\nChannel 0: Excellent. I also like them to be reviewed on a regular basis. Generally speaking, every sort of three to five years, just reviewing them, even between yourselves or speaking to a solicitor,\n\nChannel 1: Yep.\n\nChannel 0: just making sure that everything is correct and updated. One of the biggest things that I do find is how does people not having them at all is that they've been done twenty odd years ago. So just making sure every couple of years, you guys review them, talk about them, even have a solicitor review them to make sure they're appropriate for you both as well. Okay?\n\nChannel 1: Yep. Ours is current and all good. It's goes\n\nChannel 0: Love\n\nChannel 1: to\n\nChannel 0: that.\n\nChannel 1: each other or our daughter if we're both not here. So and we only have one\n\nChannel 0: Beautiful.\n\nChannel 1: child, so it makes it easy.\n\nChannel 0: Oh, that's easy, isn't it? Beautiful. And then as I kinda mentioned at the start, I did look at the projected outcome for your super there as well. So\n\nChannel 1: Yep.\n\nChannel 0: on page number 62, I have got a little projected outcome that shows you based on the annual income of 96,000 for your both, which is your goal, to be just deducted essentially equally from each of your super accounts there.\n\nChannel 1: Yep.\n\nChannel 0: This does sort of meet your goal. It does show that you can essentially draw. This has got a figure about 107,000 per year between both of your super accounts there from your\n\nChannel 1: Yep.\n\nChannel 0: retirement age, and the super is expected to last anywhere up to about 98, ninety nine years of age. This is just taking into account your hub twenty four super accounts and not taking into account the defined benefit aspect of\n\nChannel 1: Yep.\n\nChannel 0: it. We can't because they won't give us the growth rates behind the scenes there. That is all kept very well under wraps,\n\nChannel 1: Yeah.\n\nChannel 0: and it is determined each year within the q super deferred benefit product as well. So,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, having that in there does provide a greater effect for you, and we wanna\n\nChannel 1: Mhmm.\n\nChannel 0: review things on a regular basis to make sure we keep you on track. Because we're projected forward and both of you have great balances and are projected to have great balances, it also does mean, unfortunately, you're probably not gonna be eligible for Centrelink. However, down the track, I do wanna look at, you know, where we end up closer to retirement at age 67, you know, what your balances look like, whether we can maybe look at getting some Centrelink for you as well to sort of supplement some of the super to provide even further a benefit for you. The other side of Centrelink is it's not always just the amount that you receive from them. It's also the health care card, which provides greater benefits and cheaper medications and health care and things like that.\n\nSo if there's a chance that we can look at that down the track and shelters shelter money, we can look at annuities, then we'll definitely look at doing that to provide greater benefit there. But with you reducing your hours and with the change in income, I did look at salary sacrificing. However, it doesn't look like we need to currently. We'll keep reviewing it. If we find we need you down the track, we'll definitely start.\n\nBut right\n\nChannel 1: Yep.\n\nChannel 0: now, this shows that you're on track to meet your goals that you guys are after. So that's\n\nChannel 1: Cool.\n\nChannel 0: essentially where we're at with that.\n\nChannel 1: Awesome.\n\nChannel 0: Perfect. Do either of you have any questions? You're welcome to let me know if\n\nChannel 1: No.\n\nChannel 0: you do.\n\nChannel 1: I no. We're\n\nChannel 0: No.\n\nChannel 1: all good.\n\nChannel 0: Beautiful. I would do just wanna update a couple of small things and other things that we noted. I\n\nChannel 1: Yeah.\n\nChannel 0: will do that, and I'll resend the audio sign. I'm going to stop that audio sign that came through and resend it because it it's just coming up with a bit of an error on my end of things,\n\nChannel 1: North Carolina.\n\nChannel 0: and I think because I've attached so many documents to it. So I'm just gonna cancel that one, redo the document. I'll update that little section in there as well that has Andrew Scott. Sorry about that. They probably\n\nChannel 1: Okay.\n\nChannel 0: got a\n\nChannel 1: That's\n\nChannel 0: bit confused\n\nChannel 1: okay.\n\nChannel 0: with your surname. And I'll just go back and resend that to you shortly. In this email as well, I've also got the appendices for you. And in there, at once, a lot of the research that we have completed. So it's got the research around your income estimates with\n\nChannel 1: Yep.\n\nChannel 0: reducing your hours versus your current. It's also got all of the links to the PDFs for all the investments if you're interested and wanna have a bit of a look through those. It's also got some like for like comparisons, and it does also have an updated probably a little bit more of a dollar side projection table with withdrawing funds out of your super as well. So it just sort of shows you a little bit more of a dollar, you know, stick on how long that's expected to last based on our current research there. And\n\nChannel 1: Yep.\n\nChannel 0: this all just needs to be continuously updated and reviewed. I do reviews with all of my clients every three or six months depending on what they would prefer. I think, Scott, you wanted six months last time. Is that still fairly accurate?\n\nChannel 1: Yep. That's that's still fine. Yeah.\n\nChannel 0: Beautiful. Yep. Lisa, you're happy with six months as well, or\n\nChannel 1: Yeah.\n\nChannel 0: did you want\n\nChannel 1: That\n\nChannel 0: something\n\nChannel 1: works\n\nChannel 0: a little\n\nChannel 1: for me.\n\nChannel 0: bit more? Beautiful. Excellent. Fantastic. You'll also note in the back of the document there, the ongoing service fee is 1.10% for both of you.\n\nSo, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well. There's\n\nChannel 1: Yes.\n\nChannel 0: no implementation fees for your side of things, Scott, because you're already a client. And, Lisa,\n\nChannel 1: Yep.\n\nChannel 0: I've got your $495.00 on there for you as a flat fee.\n\nChannel 1: Yep.\n\nChannel 0: And then with the insurance aspect, so I'm just really honest and just making sure you're aware that with your insurance later, there'll be no remuneration made to us. That's all.\n\nChannel 1: Mhmm.\n\nChannel 0: Just a transfer of group cover. But, Scott, you we do receive 22% ongoing of your Zurich premiums as well, and that's estimated to be $491 per year. So\n\nChannel 1: Yep.\n\nChannel 0: this is really important that you're aware that the advice provided isn't about the fees for me. It's about making sure we're meeting your goals. And I have honestly thoroughly loved putting this together for you both, and I just can't thank you enough for the opportunity. It's been fantastic. I've really enjoyed it.\n\nChannel 1: Oh, thank you.\n\nChannel 0: Oh, not a problem at all. If you did want to, on page number 70 sorry. It is a really long document.\n\nChannel 1: Yep.\n\nChannel 0: I have set out how we would implement this advice piece for you. So you're welcome to run your eyes over that, have a look at essentially what we'll do for you in the different stages so you can, you know, see where or how the implementation would work for you both.\n\nChannel 1: Yep. Awesome. Yep.\n\nChannel 0: Beautiful. Excellent. Is there any questions that have come up in relation to any of that or anything that you maybe wanted to change or any anything at all?\n\nChannel 1: No. No. No. We're all good. So we can go to dinner and then sign that document when it comes\n\nChannel 0: Oh,\n\nChannel 1: through\n\nChannel 0: you\n\nChannel 1: after that.\n\nChannel 0: absolutely\n\nChannel 1: Yep.\n\nChannel 0: can. Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: have a\n\nChannel 0: Perfect.\n\nChannel 1: read. Yep.\n\nChannel 0: So because it's so big, it wouldn't let me attach the all the supporting documents, and then it was having a little bit of a bit trying to send out. So I think I've just tried to attach too much to it. I've made technology work too hard. So I'll\n\nChannel 1: Yeah.\n\nChannel 0: just go back, and I'll void that one, and I'll resend it out to you shortly so it's all nice and clear\n\nChannel 1: Oh,\n\nChannel 0: and easy for you. Okay?\n\nChannel 1: no worries. Someone will sign it straight away and send it back.\n\nChannel 0: Beautiful. Thank you so much. When you do get that, Lisa, we've also got a copy of your fax lines, your risk profile, the things that we filled out for yourself. I've\n\nChannel 1: Yep.\n\nChannel 0: got external\n\nChannel 1: Sure.\n\nChannel 0: third party authorities on there so that we when you come on board, we can talk to each of you about each other's accounts. As I kinda mentioned\n\nChannel 1: Yeah.\n\nChannel 0: last time, it just provides that little bit of extra benefit. If one of you need to ask questions about each account, you can.\n\nChannel 1: Yes.\n\nChannel 0: And it also means if one of you are in hospital or something happened, you can call and go, hey. Scott's in hospital. I need to do this, this, and this, and we can help you out. So we've got all of those. We'll also do a lost super search for you.\n\nWe'll make the ACO go out there and see if there's anything in the ether that we can help to consolidate for you aside from what we know about. And then you've also got your application forms and things attached so we can start an implementation process for you.\n\nChannel 1: Fantastic.\n\nChannel 0: And easy and I'll send you an email as well if you can just shoot me back a copy of your driver's license.\n\nChannel 1: Yep.\n\nChannel 0: And Maddie will also need to obtain your tax file number prior to opening up your hub twenty four super account, and she'll let you know when she needs that. Okay?\n\nChannel 1: No worries. Sounds good.\n\nChannel 0: Beautiful. Thank you so much for your time. I really appreciate. I'm sorry. It's very long.\n\nIt's quite a lot to go through.\n\nChannel 1: Oh, good. Thanks for that.\n\nChannel 0: No worries. If either of you have any questions, please let me know. Happy to answer anything that you might have once you've taken some time to read it over.\n\nChannel 1: Will do. Have a good night.\n\nChannel 0: You too. Thank you. Enjoy your dinner.\n\nChannel 1: Thanks. That's fine.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.019326893612742424}],"sentiment":"neutral","sentiment_score":0.019326893612742424,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hi, Lisa.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.058971138671040535},{"text":"It's Dana from Oakview","start":2.48,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.075716407969594}],"sentiment":"neutral","sentiment_score":0.07013465153674285,"channel":0,"num_words":6,"start":1.8399999,"end":3.6799998},{"sentences":[{"text":"Hello?","start":3.3200002,"end":3.8200002,"sentiment":"neutral","sentiment_score":0.0528273805975914}],"sentiment":"neutral","sentiment_score":0.0528273805975914,"channel":1,"num_words":1,"start":3.3200002,"end":3.8200002},{"sentences":[{"text":"Financial.","start":3.6799998,"end":4.16,"sentiment":"neutral","sentiment_score":0.05341622233390808},{"text":"How are you this afternoon?","start":4.16,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.14031862169504167}],"sentiment":"neutral","sentiment_score":0.12583488846818605,"channel":0,"num_words":6,"start":3.6799998,"end":5.2999997},{"sentences":[{"text":"Not too bad.","start":6.0,"end":6.64,"sentiment":"neutral","sentiment_score":0.22934761146704355},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.20161838829517365}],"sentiment":"neutral","sentiment_score":0.2154829998811086,"channel":1,"num_words":6,"start":6.0,"end":7.46},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.5903702775637308},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.7085971236228943},{"text":"Thanks for asking.","start":8.96,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6648815472920736},{"text":"I've got you both booked in.","start":10.32,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.32983388503392536},{"text":"Is now still a good time just to run through things","start":11.5199995,"end":13.5199995,"sentiment":"positive","sentiment_score":0.3389437875964425}],"sentiment":"positive","sentiment_score":0.4356133878231049,"channel":0,"num_words":25,"start":7.52,"end":13.5199995},{"sentences":[{"text":"Yeah.","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.14563289284706116}],"sentiment":"neutral","sentiment_score":0.14563289284706116,"channel":1,"num_words":1,"start":13.44,"end":13.94},{"sentences":[{"text":"and start a bit earlier for you, buddy?","start":13.5199995,"end":15.46,"sentiment":"neutral","sentiment_score":0.083796720020473}],"sentiment":"neutral","sentiment_score":0.083796720020473,"channel":0,"num_words":8,"start":13.5199995,"end":15.46},{"sentences":[{"text":"Yeah.","start":15.545,"end":15.865,"sentiment":"neutral","sentiment_score":0.16716933250427246},{"text":"Definitely.","start":15.865,"end":16.265,"sentiment":"positive","sentiment_score":0.39545878767967224},{"text":"That's great.","start":16.265,"end":16.825,"sentiment":"positive","sentiment_score":0.6857801675796509},{"text":"Thank you.","start":16.825,"end":17.565,"sentiment":"positive","sentiment_score":0.627239853143692}],"sentiment":"positive","sentiment_score":0.531444693605105,"channel":1,"num_words":6,"start":15.545,"end":17.565},{"sentences":[{"text":"Fantastic.","start":17.535,"end":18.035,"sentiment":"positive","sentiment_score":0.6293115615844727},{"text":"That's okay.","start":18.175,"end":18.734999,"sentiment":"positive","sentiment_score":0.3405512720346451},{"text":"Is Scott there with you as well?","start":18.734999,"end":20.355,"sentiment":"neutral","sentiment_score":0.12590453986610686}],"sentiment":"neutral","sentiment_score":0.21917458847165108,"channel":0,"num_words":10,"start":17.535,"end":20.355},{"sentences":[{"text":"Yeah.","start":20.025,"end":20.505001,"sentiment":"neutral","sentiment_score":0.07731267809867859},{"text":"Yeah.","start":20.505001,"end":20.744999,"sentiment":"neutral","sentiment_score":0.08390001952648163},{"text":"I'm here.","start":20.744999,"end":21.405,"sentiment":"neutral","sentiment_score":0.10281533375382423}],"sentiment":"neutral","sentiment_score":0.09171084128320217,"channel":1,"num_words":4,"start":20.025,"end":21.405},{"sentences":[{"text":"Hey, Scott.","start":21.615,"end":22.175,"sentiment":"neutral","sentiment_score":0.12663599848747253},{"text":"How are you?","start":22.175,"end":22.734999,"sentiment":"neutral","sentiment_score":0.13111591339111328},{"text":"How's your day","start":22.734999,"end":23.455,"sentiment":"neutral","sentiment_score":0.1040455549955368}],"sentiment":"neutral","sentiment_score":0.11984455026686192,"channel":0,"num_words":8,"start":21.615,"end":23.455},{"sentences":[{"text":"Not","start":23.305,"end":23.465,"sentiment":"neutral","sentiment_score":0.06720298528671265}],"sentiment":"neutral","sentiment_score":0.06720298528671265,"channel":1,"num_words":1,"start":23.305,"end":23.465},{"sentences":[{"text":"been?","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.04050770401954651}],"sentiment":"neutral","sentiment_score":0.04050770401954651,"channel":0,"num_words":1,"start":23.455,"end":23.955},{"sentences":[{"text":"too bad.","start":23.465,"end":24.125,"sentiment":"neutral","sentiment_score":0.04907628707587719},{"text":"Yep.","start":24.185001,"end":24.425,"sentiment":"neutral","sentiment_score":0.17443709075450897},{"text":"Good.","start":24.425,"end":24.744999,"sentiment":"positive","sentiment_score":0.3902104496955872},{"text":"Thanks.","start":24.744999,"end":25.244999,"sentiment":"positive","sentiment_score":0.4813899993896485}],"sentiment":"neutral","sentiment_score":0.2288380227982998,"channel":1,"num_words":5,"start":23.465,"end":25.244999},{"sentences":[{"text":"Oh, that's excellent.","start":25.454998,"end":26.595,"sentiment":"positive","sentiment_score":0.5625396569569906},{"text":"So I'm just gonna send through the DocuSign there through to you.","start":26.735,"end":29.85,"sentiment":"neutral","sentiment_score":0.23971431702375412},{"text":"Before I do jump into the call, I just have to let you both know our calls are recorded for training and quality purposes.","start":30.09,"end":35.21,"sentiment":"neutral","sentiment_score":0.12796425571044287},{"text":"Are you both happy for me to proceed with that?","start":35.21,"end":37.47,"sentiment":"neutral","sentiment_score":0.22958099246025085}],"sentiment":"neutral","sentiment_score":0.2026763844246767,"channel":0,"num_words":49,"start":25.454998,"end":37.47},{"sentences":[{"text":"Yes.","start":37.96,"end":38.46,"sentiment":"neutral","sentiment_score":0.2827388048171997}],"sentiment":"neutral","sentiment_score":0.2827388048171997,"channel":1,"num_words":1,"start":37.96,"end":38.46},{"sentences":[{"text":"Fantastic.","start":38.89,"end":39.39,"sentiment":"positive","sentiment_score":0.5279685258865356},{"text":"And I just need to do security with you, if I could.","start":39.53,"end":42.09,"sentiment":"neutral","sentiment_score":0.20507854844133058},{"text":"If I can get you both to say your name and and date of birth and just one of you to provide an address, that would be absolutely perfect if possible.","start":42.09,"end":48.855003,"sentiment":"neutral","sentiment_score":0.20266549625704366}],"sentiment":"neutral","sentiment_score":0.21071685207161037,"channel":0,"num_words":44,"start":38.89,"end":48.855003},{"sentences":[{"text":"Yep.","start":49.555,"end":49.795,"sentiment":"neutral","sentiment_score":0.056977104395627975},{"text":"So Lisa Andrews, 07/23/1978, 12 Piper","start":49.795,"end":53.235,"sentiment":"neutral","sentiment_score":0.03770546894520521}],"sentiment":"neutral","sentiment_score":0.04045855972383704,"channel":1,"num_words":7,"start":49.555,"end":53.235},{"sentences":[{"text":"Yep.","start":52.995003,"end":53.495003,"sentiment":"neutral","sentiment_score":0.05077146738767624}],"sentiment":"neutral","sentiment_score":0.05077146738767624,"channel":0,"num_words":1,"start":52.995003,"end":53.495003},{"sentences":[{"text":"Street in New Park.","start":53.235,"end":54.295,"sentiment":"neutral","sentiment_score":0.0527221504598856}],"sentiment":"neutral","sentiment_score":0.0527221504598856,"channel":1,"num_words":4,"start":53.235,"end":54.295},{"sentences":[{"text":"Beautiful.","start":54.915,"end":55.415,"sentiment":"neutral","sentiment_score":0.19800633192062375}],"sentiment":"neutral","sentiment_score":0.19800633192062375,"channel":0,"num_words":1,"start":54.915,"end":55.415},{"sentences":[{"text":"Scott Wade Andrews.","start":56.995,"end":58.035,"sentiment":"neutral","sentiment_score":0.07084875802199046},{"text":"111175.","start":58.035,"end":59.46,"sentiment":"neutral","sentiment_score":0.05721847712993622}],"sentiment":"neutral","sentiment_score":0.0674411877989769,"channel":1,"num_words":4,"start":56.995,"end":59.46},{"sentences":[{"text":"Beautiful.","start":60.519997,"end":61.019997,"sentiment":"neutral","sentiment_score":0.32706665992736816},{"text":"Thank you so much for that.","start":61.16,"end":62.44,"sentiment":"positive","sentiment_score":0.5162292023499807},{"text":"Now you're gonna receive a separate email as well.","start":62.44,"end":65.259995,"sentiment":"neutral","sentiment_score":0.163941643304295},{"text":"We had quite a few supporting documents, things like PDFs for the recommended products, and they just didn't all kind of fit in the original Odoo sign.","start":65.4,"end":75.805,"sentiment":"neutral","sentiment_score":0.04006050025216407},{"text":"So I'm sending a separate email to the both of you with those sort of supporting documents for you to be able to go through and have a read of, and,","start":75.805,"end":84.54,"sentiment":"neutral","sentiment_score":0.1479435904372123}],"sentiment":"neutral","sentiment_score":0.14280812802875564,"channel":0,"num_words":74,"start":60.519997,"end":84.54},{"sentences":[{"text":"Yep.","start":84.384995,"end":84.884995,"sentiment":"neutral","sentiment_score":0.0746789276599884}],"sentiment":"neutral","sentiment_score":0.0746789276599884,"channel":1,"num_words":1,"start":84.384995,"end":84.884995},{"sentences":[{"text":"also, just sending to the the order signed for you with the actual advice document.","start":84.54,"end":88.56,"sentiment":"neutral","sentiment_score":0.06634405516088009},{"text":"Order is a little bit slow this afternoon, so hoping it comes through fairly quickly for you both there.","start":88.619995,"end":94.079994,"sentiment":"neutral","sentiment_score":-0.05912366058481367},{"text":"Sorry.","start":95.899994,"end":96.399994,"sentiment":"neutral","sentiment_score":-0.15370520949363708}],"sentiment":"neutral","sentiment_score":-0.0080541123769113,"channel":0,"num_words":35,"start":84.54,"end":96.399994},{"sentences":[{"text":"Hasn't come through 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just shutting out the noise.","start":136.245,"end":137.625,"sentiment":"neutral","sentiment_score":0.1346164047718048}],"sentiment":"neutral","sentiment_score":0.1346164047718048,"channel":1,"num_words":6,"start":136.245,"end":137.625},{"sentences":[{"text":"No.","start":138.155,"end":138.475,"sentiment":"neutral","sentiment_score":0.010212846100330353},{"text":"That's absolutely fine.","start":138.475,"end":139.68,"sentiment":"neutral","sentiment_score":0.1236574798822403},{"text":"If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice.","start":139.92,"end":150.64,"sentiment":"neutral","sentiment_score":0.009426548578884713},{"text":"You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to 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keeping in here because they are related to other areas.","start":753.70496,"end":764.52496,"sentiment":"neutral","sentiment_score":-0.10513999917217202},{"text":"The first one is a deferred benefit scheme.","start":764.88995,"end":766.97,"sentiment":"neutral","sentiment_score":0.07345658680424094},{"text":"So you have that lease.","start":766.97,"end":767.93,"sentiment":"neutral","sentiment_score":0.23985918164253234}],"sentiment":"neutral","sentiment_score":-0.044917730676631136,"channel":0,"num_words":60,"start":751.305,"end":767.93},{"sentences":[{"text":"You're happy to keep it as is.","start":767.93,"end":769.37,"sentiment":"positive","sentiment_score":0.5472018548420498},{"text":"In all honesty, it should absolutely stay where it 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have","start":784.89496,"end":785.77496,"sentiment":"neutral","sentiment_score":0.07266668478647868}],"sentiment":"neutral","sentiment_score":0.0010529292247644284,"channel":0,"num_words":41,"start":772.25,"end":785.77496},{"sentences":[{"text":"Yeah.","start":785.55,"end":786.05,"sentiment":"neutral","sentiment_score":0.08240797370672226}],"sentiment":"neutral","sentiment_score":0.08240797370672226,"channel":1,"num_words":1,"start":785.55,"end":786.05},{"sentences":[{"text":"left the recommendation in that to retain that as it is.","start":785.77496,"end":788.83496,"sentiment":"neutral","sentiment_score":0.13768743181770499},{"text":"We have got a full strategy in here to retain that the same as we did last time, but","start":789.21497,"end":794.18,"sentiment":"neutral","sentiment_score":0.23431388720085747}],"sentiment":"neutral","sentiment_score":0.19888418689370155,"channel":0,"num_words":30,"start":785.77496,"end":794.18},{"sentences":[{"text":"Yep.","start":794.11,"end":794.61,"sentiment":"neutral","sentiment_score":0.24473188817501068}],"sentiment":"neutral","sentiment_score":0.24473188817501068,"channel":1,"num_words":1,"start":794.11,"end":794.61},{"sentences":[{"text":"this is making a note that we are keeping that for the time being.","start":794.18,"end":797.14,"sentiment":"neutral","sentiment_score":0.32922172972134184},{"text":"This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as 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there.","start":810.505,"end":822.445,"sentiment":"neutral","sentiment_score":0.23057916578723164}],"sentiment":"neutral","sentiment_score":0.23764182307890483,"channel":0,"num_words":42,"start":809.54504,"end":822.445},{"sentences":[{"text":"Yep.","start":822.77997,"end":823.27997,"sentiment":"neutral","sentiment_score":0.22933244705200195}],"sentiment":"neutral","sentiment_score":0.22933244705200195,"channel":1,"num_words":1,"start":822.77997,"end":823.27997},{"sentences":[{"text":"Essentially, I have reviewed that to make sure that it is all working still appropriately for you.","start":822.93,"end":827.91003,"sentiment":"neutral","sentiment_score":0.2841531292480581},{"text":"Essentially, I'm not making a lot of changes with regard to your super, but we have focused on essentially reviewing that.","start":828.53,"end":836.07,"sentiment":"neutral","sentiment_score":0.041974365001633054},{"text":"I'll sort of go through that a little bit with you down the track here, but it's all 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retirement.","start":848.48505,"end":852.52997,"sentiment":"neutral","sentiment_score":0.09087318368256092},{"text":"So we wanted to limit it scoping to show you with the recommendations that we are making how that does look over the next sort of twelve years based on the research for you.","start":852.52997,"end":861.67,"sentiment":"neutral","sentiment_score":0.1549545697429601},{"text":"This is","start":862.05,"end":862.45,"sentiment":"neutral","sentiment_score":0.07058823853731155}],"sentiment":"neutral","sentiment_score":0.14424304633599813,"channel":0,"num_words":61,"start":845.205,"end":862.45},{"sentences":[{"text":"Mhmm.","start":862.335,"end":862.835,"sentiment":"neutral","sentiment_score":0.06288623809814453}],"sentiment":"neutral","sentiment_score":0.06288623809814453,"channel":1,"num_words":1,"start":862.335,"end":862.835},{"sentences":[{"text":"obviously projected 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next page is the about you section, so the information consolidated from your recent staff funds that we were able to complete.","start":958.355,"end":965.015,"sentiment":"neutral","sentiment_score":0.061182067770025},{"text":"And then the following pages outline all your assets and liabilities as per our last conversation.","start":965.33,"end":970.39,"sentiment":"neutral","sentiment_score":0.040760263917036355}],"sentiment":"neutral","sentiment_score":0.06108119680235783,"channel":0,"num_words":42,"start":955.795,"end":970.39},{"sentences":[{"text":"There could definitely be some changes on this one.","start":970.53,"end":973.03,"sentiment":"neutral","sentiment_score":-0.044584520161151886},{"text":"There's nothing that really affects the advice as such, but if there are any major changes that you would like us to have reflected in the back end, we absolutely can do so.","start":973.49,"end":982.065,"sentiment":"neutral","sentiment_score":-0.016213225821654003},{"text":"We have noted 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clients.","start":1043.3099,"end":1045.33,"sentiment":"neutral","sentiment_score":0.02522771037183702}],"sentiment":"neutral","sentiment_score":0.1044887477265937,"channel":1,"num_words":21,"start":1040.4299,"end":1045.33},{"sentences":[{"text":"Yeah.","start":1046.225,"end":1046.545,"sentiment":"neutral","sentiment_score":0.05713297426700592},{"text":"Renewal.","start":1046.545,"end":1047.045,"sentiment":"neutral","sentiment_score":0.0640362948179245},{"text":"Yep.","start":1047.265,"end":1047.765,"sentiment":"neutral","sentiment_score":0.09835051000118256}],"sentiment":"neutral","sentiment_score":0.07317325969537099,"channel":0,"num_words":3,"start":1046.225,"end":1047.765},{"sentences":[{"text":"Yep.","start":1047.63,"end":1048.13,"sentiment":"neutral","sentiment_score":0.16432376205921173}],"sentiment":"neutral","sentiment_score":0.16432376205921173,"channel":1,"num_words":1,"start":1047.63,"end":1048.13},{"sentences":[{"text":"That's all good.","start":1049.105,"end":1050.24,"sentiment":"positive","sentiment_score":0.4133000671863556},{"text":"I'm gonna skip forward a couple of pages there.","start":1050.48,"end":1052.72,"sentiment":"neutral","sentiment_score":0.07454086302055253},{"text":"If I can get you to scroll","start":1052.72,"end":1053.84,"sentiment":"neutral","sentiment_score":0.030190992036036084}],"sentiment":"neutral","sentiment_score":0.11168973226296275,"channel":0,"num_words":19,"start":1049.105,"end":1053.84},{"sentences":[{"text":"Yep.","start":1053.735,"end":1054.235,"sentiment":"neutral","sentiment_score":0.03294738754630089}],"sentiment":"neutral","sentiment_score":0.03294738754630089,"channel":1,"num_words":1,"start":1053.735,"end":1054.235},{"sentences":[{"text":"down to page number 22 there for me.","start":1053.84,"end":1056.0,"sentiment":"neutral","sentiment_score":0.04580573970451951},{"text":"This is probably the part that you are most keen to look at, 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there and have that invested into hub twenty four as per the below portfolio.","start":1948.25,"end":1955.87,"sentiment":"neutral","sentiment_score":0.22254656732082367},{"text":"This might look a","start":1956.5651,"end":1957.285,"sentiment":"neutral","sentiment_score":0.06539532728493214}],"sentiment":"neutral","sentiment_score":0.21559353702916548,"channel":0,"num_words":52,"start":1941.0499,"end":1957.285},{"sentences":[{"text":"Yep.","start":1957.09,"end":1957.59,"sentiment":"neutral","sentiment_score":0.066072478890419}],"sentiment":"neutral","sentiment_score":0.066072478890419,"channel":1,"num_words":1,"start":1957.09,"end":1957.59},{"sentences":[{"text":"little bit similar to Scott's because it basically is the very same portfolio.","start":1957.285,"end":1960.985,"sentiment":"neutral","sentiment_score":0.04568826965987682}],"sentiment":"neutral","sentiment_score":0.04568826965987682,"channel":0,"num_words":13,"start":1957.285,"end":1960.985},{"sentences":[{"text":"Okay.","start":1961.89,"end":1962.39,"sentiment":"neutral","sentiment_score":0.08280141651630402}],"sentiment":"neutral","sentiment_score":0.08280141651630402,"channel":1,"num_words":1,"start":1961.89,"end":1962.39},{"sentences":[{"text":"It's the growth portfolio.","start":1962.885,"end":1964.105,"sentiment":"neutral","sentiment_score":0.11012868955731392},{"text":"So you'll see about 5% invested in cybersecurity, 8% in the Europe investment.","start":1964.3251,"end":1970.2799,"sentiment":"neutral","sentiment_score":0.16031023688041246},{"text":"This is giving you access and exposure to all 16 European countries.","start":1970.2799,"end":1973.98,"sentiment":"neutral","sentiment_score":0.20270548947155476},{"text":"We're also looking at 5% in Japan.","start":1974.6799,"end":1977.0,"sentiment":"neutral","sentiment_score":0.15803239175251552},{"text":"Japan is still a really good place to be invested, has seen a lot of growth.","start":1977.0,"end":1980.2799,"sentiment":"positive","sentiment_score":0.5545265432447195}],"sentiment":"neutral","sentiment_score":0.28722432972146916,"channel":0,"num_words":52,"start":1962.885,"end":1980.2799},{"sentences":[{"text":"And when we look at how things have gone this year, Japan was really well prepared for their for their members and with the fuel and everything as well.","start":1980.2799,"end":1989.075,"sentiment":"positive","sentiment_score":0.5324559776947416},{"text":"So it is still a really good place to be invested in Japan there.","start":1989.075,"end":1992.775,"sentiment":"positive","sentiment_score":0.5621389022895268}],"sentiment":"positive","sentiment_score":0.5421201857023461,"channel":0,"num_words":43,"start":1980.2799,"end":1992.775},{"sentences":[{"text":"Cool.","start":1993.55,"end":1994.05,"sentiment":"neutral","sentiment_score":0.26737138628959656}],"sentiment":"neutral","sentiment_score":0.26737138628959656,"channel":1,"num_words":1,"start":1993.55,"end":1994.05},{"sentences":[{"text":"Sorry.","start":1994.195,"end":1994.595,"sentiment":"neutral","sentiment_score":0.05489015579223633},{"text":"The other one there is the Vanguard All World ex US.","start":1994.595,"end":1997.735,"sentiment":"neutral","sentiment_score":0.04277248477393931},{"text":"Now this is giving you exposure to the entire globe minus The US market.","start":1998.57,"end":2002.83,"sentiment":"neutral","sentiment_score":0.03901812926466976},{"text":"One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios.","start":2003.53,"end":2008.83,"sentiment":"neutral","sentiment_score":0.12158788285321659},{"text":"This investment gives you access and exposure to the entire globe minus The US Of A.","start":2008.97,"end":2014.125,"sentiment":"neutral","sentiment_score":0.11655770638026297}],"sentiment":"neutral","sentiment_score":0.08541910819088419,"channel":0,"num_words":60,"start":1994.195,"end":2014.125},{"sentences":[{"text":"We see 8% invested in here, and it's a really good investment.","start":2014.125,"end":2018.0449,"sentiment":"positive","sentiment_score":0.4224712277452151},{"text":"Has actually seen some very good growth over the past few months there as well.","start":2018.0449,"end":2021.585,"sentiment":"positive","sentiment_score":0.448965056737264}],"sentiment":"positive","sentiment_score":0.43719002162968673,"channel":0,"num_words":27,"start":2014.125,"end":2021.585},{"sentences":[{"text":"Okay.","start":2022.0,"end":2022.5,"sentiment":"neutral","sentiment_score":0.08707268536090851}],"sentiment":"neutral","sentiment_score":0.08707268536090851,"channel":1,"num_words":1,"start":2022.0,"end":2022.5},{"sentences":[{"text":"Because that investment doesn't have The US, we wanna make sure you do have some US exposure.","start":2023.485,"end":2027.9049,"sentiment":"neutral","sentiment_score":0.015350116635946667},{"text":"So we're looking at the S and P 500.","start":2028.205,"end":2030.2201,"sentiment":"neutral","sentiment_score":0.0353228911343548},{"text":"This is essentially just tracking the S and P 500 index.","start":2030.2201,"end":2034.38,"sentiment":"neutral","sentiment_score":0.04465110735459761},{"text":"The S and P 500 index can encompass anywhere from the top 500 to the top 520 different companies.","start":2034.38,"end":2041.2001,"sentiment":"neutral","sentiment_score":0.05974791767565828},{"text":"Because it tracks the indices, essentially, every quarter, the investment committee of the indices do meet, and they talk about which companies are qualified to remain in the S and P 500.","start":2042.475,"end":2053.455,"sentiment":"neutral","sentiment_score":0.0473769826348871}],"sentiment":"neutral","sentiment_score":0.04228743254630403,"channel":0,"num_words":88,"start":2023.485,"end":2053.455},{"sentences":[{"text":"If a company no longer qualifies, they are removed from that indices, which means that they are removed from every investment that is following the indices.","start":2054.01,"end":2061.29,"sentiment":"neutral","sentiment_score":-0.019869971160705272},{"text":"So this essentially shows that you are always tracking the top 500 companies on The US.","start":2061.29,"end":2066.19,"sentiment":"neutral","sentiment_score":0.12189361732453108},{"text":"Over the longer term, we do see really great returns in The US market.","start":2066.6648,"end":2070.9248,"sentiment":"positive","sentiment_score":0.41107636956231935},{"text":"Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you.","start":2071.545,"end":2076.7449,"sentiment":"neutral","sentiment_score":0.24584367796778678},{"text":"We do see volatility","start":2076.7449,"end":2077.805,"sentiment":"neutral","sentiment_score":0.24499575048685074}],"sentiment":"neutral","sentiment_score":0.1635700545273721,"channel":0,"num_words":80,"start":2054.01,"end":2077.805},{"sentences":[{"text":"Yep.","start":2077.475,"end":2077.975,"sentiment":"positive","sentiment_score":0.3785627782344818}],"sentiment":"positive","sentiment_score":0.3785627782344818,"channel":1,"num_words":1,"start":2077.475,"end":2077.975},{"sentences":[{"text":"in the shorter term, but long term, we do get great results out of them.","start":2077.865,"end":2080.5,"sentiment":"positive","sentiment_score":0.6086264888445536},{"text":"Out of them.","start":2080.58,"end":2081.48,"sentiment":"positive","sentiment_score":0.5285982886950175}],"sentiment":"positive","sentiment_score":0.5952884554862976,"channel":0,"num_words":18,"start":2077.865,"end":2081.48},{"sentences":[{"text":"Cool.","start":2082.2751,"end":2082.7751,"sentiment":"positive","sentiment_score":0.5536271333694458}],"sentiment":"positive","sentiment_score":0.5536271333694458,"channel":1,"num_words":1,"start":2082.2751,"end":2082.7751},{"sentences":[{"text":"Underneath that, you've got the BetaShares a 200.","start":2083.7,"end":2086.52,"sentiment":"neutral","sentiment_score":0.2700782064348459},{"text":"This is giving you access and exposure to the top 200 companies on the ASX.","start":2087.46,"end":2091.88,"sentiment":"neutral","sentiment_score":0.323032553990682},{"text":"Let's say 20% invested here for Australian equities.","start":2092.18,"end":2095.16,"sentiment":"neutral","sentiment_score":0.14897357672452927},{"text":"Essentially, this is these companies, again, very much like the S and P 500.","start":2096.225,"end":2100.305,"sentiment":"neutral","sentiment_score":0.2652664269719805},{"text":"They are it is on the top 200 companies.","start":2100.305,"end":2102.565,"sentiment":"neutral","sentiment_score":0.2737378478050232}],"sentiment":"neutral","sentiment_score":0.26620876264792903,"channel":0,"num_words":54,"start":2083.7,"end":2102.565},{"sentences":[{"text":"So we are looking at an index here.","start":2102.625,"end":2104.885,"sentiment":"neutral","sentiment_score":0.23476781696081161},{"text":"Essentially, with the companies within the indices, if they don't meet the criteria to be in the top 200, they are removed out.","start":2105.665,"end":2112.3901,"sentiment":"neutral","sentiment_score":0.0841004351741108},{"text":"So, essentially, you are always tracking the top 200 companies on the ASX, which is a positive thing.","start":2112.3901,"end":2118.09,"sentiment":"positive","sentiment_score":0.6610463725195991},{"text":"In Australia, whilst we don't tend to get the a lot of returns the same as The US or overseas or international markets do, we do still see really good growth, and our market tends to follow suit with The US as well.","start":2118.47,"end":2130.775,"sentiment":"neutral","sentiment_score":0.31212717225385267},{"text":"So it is still really good to have a little bit of glow a little bit of local investment within the ASX market also.","start":2130.775,"end":2138.18,"sentiment":"positive","sentiment_score":0.5209064309795698}],"sentiment":"positive","sentiment_score":0.3589181896592169,"channel":0,"num_words":116,"start":2102.625,"end":2138.18},{"sentences":[{"text":"Okay?","start":2138.4,"end":2138.9,"sentiment":"neutral","sentiment_score":0.15184184908866882}],"sentiment":"neutral","sentiment_score":0.15184184908866882,"channel":0,"num_words":1,"start":2138.4,"end":2138.9},{"sentences":[{"text":"Yep.","start":2139.035,"end":2139.535,"sentiment":"neutral","sentiment_score":0.1261642873287201}],"sentiment":"neutral","sentiment_score":0.1261642873287201,"channel":1,"num_words":1,"start":2139.035,"end":2139.535},{"sentences":[{"text":"Underneath that, you've got the global physical gold.","start":2140.32,"end":2142.8,"sentiment":"neutral","sentiment_score":0.1359423492103815},{"text":"This is giving you exposure to glow to physical gold.","start":2142.8,"end":2146.18,"sentiment":"neutral","sentiment_score":0.14379303455352782},{"text":"This is held in a a vault in The UK, believe","start":2146.64,"end":2149.44,"sentiment":"neutral","sentiment_score":0.09341776438734749}],"sentiment":"neutral","sentiment_score":0.12251946715445354,"channel":0,"num_words":29,"start":2140.32,"end":2149.44},{"sentences":[{"text":"Mhmm.","start":2149.29,"end":2149.79,"sentiment":"neutral","sentiment_score":0.09200887382030488}],"sentiment":"neutral","sentiment_score":0.09200887382030488,"channel":1,"num_words":1,"start":2149.29,"end":2149.79},{"sentences":[{"text":"it or not, but it is giving you access to actual physical gold, which is great.","start":2149.44,"end":2153.645,"sentiment":"neutral","sentiment_score":0.2841295241378248},{"text":"Physical gold is a growth investment.","start":2153.645,"end":2155.985,"sentiment":"neutral","sentiment_score":0.3213476687669754},{"text":"It does save really good returns longer term.","start":2156.365,"end":2158.7852,"sentiment":"positive","sentiment_score":0.42553097754716873},{"text":"It doesn't pay any income.","start":2158.845,"end":2160.125,"sentiment":"neutral","sentiment_score":0.10875666812062264},{"text":"So this focus solely around growth.","start":2160.125,"end":2162.0452,"sentiment":"neutral","sentiment_score":0.15254237254460654}],"sentiment":"neutral","sentiment_score":0.2765230193915891,"channel":0,"num_words":41,"start":2149.44,"end":2162.0452},{"sentences":[{"text":"So we are looking at holding only 10% of this because we also want these portfolios to generate income for you.","start":2162.0452,"end":2168.1301,"sentiment":"neutral","sentiment_score":0.20130071895463125},{"text":"We wanna see","start":2168.19,"end":2168.99,"sentiment":"neutral","sentiment_score":0.10670087238152821}],"sentiment":"neutral","sentiment_score":0.18947573813299337,"channel":0,"num_words":24,"start":2162.0452,"end":2168.99},{"sentences":[{"text":"Yes.","start":2168.8252,"end":2169.3252,"sentiment":"neutral","sentiment_score":0.16325125098228457}],"sentiment":"neutral","sentiment_score":0.16325125098228457,"channel":1,"num_words":1,"start":2168.8252,"end":2169.3252},{"sentences":[{"text":"a combination of growth as well as income.","start":2168.99,"end":2171.25,"sentiment":"neutral","sentiment_score":0.2550577614456415},{"text":"Income is great for compounding because with growth, you have to sell the investment to cement the growth.","start":2171.6301,"end":2177.6501,"sentiment":"positive","sentiment_score":0.37124019861221313},{"text":"With income, it's paid to your cash account, and that is reinvested back into your portfolio for compounding.","start":2178.03,"end":2183.125,"sentiment":"neutral","sentiment_score":0.321917904747857},{"text":"So having","start":2183.905,"end":2184.545,"sentiment":"positive","sentiment_score":0.5211621820926666}],"sentiment":"positive","sentiment_score":0.33825287643982016,"channel":0,"num_words":46,"start":2168.99,"end":2184.545},{"sentences":[{"text":"Yep.","start":2184.3,"end":2184.8,"sentiment":"positive","sentiment_score":0.4357631206512451}],"sentiment":"positive","sentiment_score":0.4357631206512451,"channel":1,"num_words":1,"start":2184.3,"end":2184.8},{"sentences":[{"text":"some physical gold in there, getting some additional growth there, holding about 10% is great.","start":2184.545,"end":2189.525,"sentiment":"positive","sentiment_score":0.502389757335186},{"text":"The other thing we all tend to like about physical gold is that it is a bit of a safe haven.","start":2189.585,"end":2193.7449,"sentiment":"neutral","sentiment_score":0.30248870026497615},{"text":"So we see a lot of growth there, but when equities don't perform so well, people tend to move money into into gold as a bit of a safe haven.","start":2193.7449,"end":2202.0,"sentiment":"neutral","sentiment_score":0.23273196717103323},{"text":"So it can act defensively when it needs to as well, which is great.","start":2202.0,"end":2205.54,"sentiment":"positive","sentiment_score":0.47612546384334564}],"sentiment":"positive","sentiment_score":0.34419780718162657,"channel":0,"num_words":80,"start":2184.545,"end":2205.54},{"sentences":[{"text":"Yep.","start":2206.3499,"end":2206.8499,"sentiment":"neutral","sentiment_score":0.22451047599315643}],"sentiment":"neutral","sentiment_score":0.22451047599315643,"channel":1,"num_words":1,"start":2206.3499,"end":2206.8499},{"sentences":[{"text":"And then because even that growth portfolio, which as we kinda went through last time has the eighty twenty split between growth and defensive investments, we also want some lower risk defensive investments.","start":2207.12,"end":2216.865,"sentiment":"neutral","sentiment_score":0.15364671205029343},{"text":"So we're looking at core composite bonds.","start":2216.865,"end":2218.885,"sentiment":"neutral","sentiment_score":0.1317622693521636},{"text":"So this is giving you access and exposure to government as well as corporate bonds.","start":2218.945,"end":2222.76,"sentiment":"neutral","sentiment_score":0.14187294393777847},{"text":"Bonds are very similar","start":2223.0,"end":2223.96,"sentiment":"neutral","sentiment_score":0.08734915219247341}],"sentiment":"neutral","sentiment_score":0.1435621720501932,"channel":0,"num_words":59,"start":2207.12,"end":2223.96},{"sentences":[{"text":"Mhmm.","start":2223.655,"end":2224.155,"sentiment":"neutral","sentiment_score":0.0994747132062912}],"sentiment":"neutral","sentiment_score":0.0994747132062912,"channel":1,"num_words":1,"start":2223.655,"end":2224.155},{"sentences":[{"text":"to term deposits, pay income payments on a regular basis, and they are reinvested back into your portfolio for compounding.","start":2223.96,"end":2230.86,"sentiment":"neutral","sentiment_score":0.10458381623029708},{"text":"10 normally, bonds like term deposits and other fixed interest investments, When equities aren't performing so well, these investments do tend to provide good growth as well.","start":2231.64,"end":2242.965,"sentiment":"neutral","sentiment_score":0.12026935139739955}],"sentiment":"neutral","sentiment_score":0.11359465558161126,"channel":0,"num_words":47,"start":2223.96,"end":2242.965},{"sentences":[{"text":"Okay.","start":2242.965,"end":2243.465,"sentiment":"neutral","sentiment_score":0.25427430868148804}],"sentiment":"neutral","sentiment_score":0.25427430868148804,"channel":1,"num_words":1,"start":2242.965,"end":2243.465},{"sentences":[{"text":"So it's a bit of a combination of both.","start":2242.965,"end":2245.605,"sentiment":"neutral","sentiment_score":0.2615713228782018},{"text":"These are seen as lower risk, and it's good to have a bit of a mix in there for you.","start":2245.605,"end":2249.845,"sentiment":"positive","sentiment_score":0.4324648901820183},{"text":"So this is essentially where you would see your funds invested after moving out of the Brighter Super.","start":2249.845,"end":2255.39,"sentiment":"neutral","sentiment_score":0.1598701849579811},{"text":"I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested.","start":2255.93,"end":2261.79,"sentiment":"neutral","sentiment_score":0.12110122374218443},{"text":"But did you","start":2261.85,"end":2262.65,"sentiment":"neutral","sentiment_score":0.028825412193934124}],"sentiment":"neutral","sentiment_score":0.2294918824854779,"channel":0,"num_words":73,"start":2242.965,"end":2262.65},{"sentences":[{"text":"Yep.","start":2262.6099,"end":2263.1099,"sentiment":"neutral","sentiment_score":0.0394209586083889}],"sentiment":"neutral","sentiment_score":0.0394209586083889,"channel":1,"num_words":1,"start":2262.6099,"end":2263.1099},{"sentences":[{"text":"have any other questions about those investments?","start":2262.65,"end":2264.49,"sentiment":"neutral","sentiment_score":0.031361146696976254},{"text":"Did you want me to go a bit deeper on anything for you?","start":2264.49,"end":2267.025,"sentiment":"neutral","sentiment_score":0.024461464383281194}],"sentiment":"neutral","sentiment_score":0.026876353193074465,"channel":0,"num_words":20,"start":2262.65,"end":2267.025},{"sentences":[{"text":"Not all good.","start":2267.5698,"end":2268.69,"sentiment":"neutral","sentiment_score":-0.1754042903582255},{"text":"All good my 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you have any questions for any of those at all, Scott?","start":2273.345,"end":2275.845,"sentiment":"neutral","sentiment_score":0.07782673959930737}],"sentiment":"neutral","sentiment_score":0.07782673959930737,"channel":0,"num_words":12,"start":2273.345,"end":2275.845},{"sentences":[{"text":"No.","start":2276.2148,"end":2276.375,"sentiment":"neutral","sentiment_score":-0.06233175843954086},{"text":"No.","start":2276.375,"end":2276.535,"sentiment":"neutral","sentiment_score":-0.058658257126808167},{"text":"They're pretty much the same as mine anyway, aren't 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hold.","start":2551.8052,"end":2560.2852,"sentiment":"neutral","sentiment_score":0.036523995751684364},{"text":"So having","start":2560.2852,"end":2561.3252,"sentiment":"positive","sentiment_score":0.5033210813999176}],"sentiment":"neutral","sentiment_score":0.13764772112252283,"channel":0,"num_words":61,"start":2544.66,"end":2561.3252},{"sentences":[{"text":"Yep.","start":2561.31,"end":2561.81,"sentiment":"positive","sentiment_score":0.5504400730133057}],"sentiment":"positive","sentiment_score":0.5504400730133057,"channel":1,"num_words":1,"start":2561.31,"end":2561.81},{"sentences":[{"text":"this here, does provide you with a good benefit.","start":2561.3252,"end":2564.3052,"sentiment":"positive","sentiment_score":0.6667821606000265},{"text":"They essentially have that forty five day waiting period.","start":2564.365,"end":2567.185,"sentiment":"positive","sentiment_score":0.5164505607551999},{"text":"They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks.","start":2567.73,"end":2574.53,"sentiment":"positive","sentiment_score":0.36453718662261964},{"text":"So it is really good.","start":2574.53,"end":2576.15,"sentiment":"positive","sentiment_score":0.7370985865592956},{"text":"The only sort of downside is the older you get, the less the benefit period is.","start":2576.69,"end":2581.57,"sentiment":"neutral","sentiment_score":-0.28328986931592226}],"sentiment":"neutral","sentiment_score":0.2955527997110039,"channel":0,"num_words":64,"start":2561.3252,"end":2581.57},{"sentences":[{"text":"So when you're under, you know, sort of seventy seventy years of age, they cover a hundred and four weeks.","start":2581.57,"end":2587.095,"sentiment":"neutral","sentiment_score":-0.18148849569261075},{"text":"When you get to 70 or 75, it drops to fifty two weeks.","start":2587.095,"end":2590.315,"sentiment":"neutral","sentiment_score":-0.18163584975095895},{"text":"And when you're over 75 years of all age, they only cover you for thirteen weeks.","start":2590.4548,"end":2594.4548,"sentiment":"neutral","sentiment_score":-0.22706449963152409},{"text":"So that's probably the real disadvantage of this product.","start":2594.4548,"end":2596.875,"sentiment":"negative","sentiment_score":-0.4324668612745073},{"text":"But you're well","start":2597.06,"end":2597.7,"sentiment":"neutral","sentiment_score":-0.11917244146267574}],"sentiment":"neutral","sentiment_score":-0.2274391316488141,"channel":0,"num_words":61,"start":2581.57,"end":2597.7},{"sentences":[{"text":"Yep.","start":2597.5999,"end":2598.0999,"sentiment":"neutral","sentiment_score":-0.04121403023600578}],"sentiment":"neutral","sentiment_score":-0.04121403023600578,"channel":1,"num_words":1,"start":2597.5999,"end":2598.0999},{"sentences":[{"text":"and truly under 70.","start":2597.7,"end":2599.06,"sentiment":"neutral","sentiment_score":-0.05551544111222029},{"text":"So a hundred and four weeks of income protection, and starting thirteen weeks of a 100% of your income is absolutely unheard of because,","start":2599.06,"end":2606.44,"sentiment":"neutral","sentiment_score":-0.07414980372413993}],"sentiment":"neutral","sentiment_score":-0.07148775192243713,"channel":0,"num_words":28,"start":2597.7,"end":2606.44},{"sentences":[{"text":"Yeah.","start":2606.845,"end":2607.345,"sentiment":"neutral","sentiment_score":0.007498439401388168}],"sentiment":"neutral","sentiment_score":0.007498439401388168,"channel":1,"num_words":1,"start":2606.845,"end":2607.345},{"sentences":[{"text":"as of currently, income protection products only cover up to 70% of your income, so this is a really good product to keep for you.","start":2607.22,"end":2614.675,"sentiment":"neutral","sentiment_score":0.23442002713680268}],"sentiment":"neutral","sentiment_score":0.23442002713680268,"channel":0,"num_words":25,"start":2607.22,"end":2614.675},{"sentences":[{"text":"Cool.","start":2614.285,"end":2614.785,"sentiment":"positive","sentiment_score":0.35442548990249634}],"sentiment":"positive","sentiment_score":0.35442548990249634,"channel":1,"num_words":1,"start":2614.285,"end":2614.785},{"sentences":[{"text":"Excellent.","start":2616.495,"end":2616.995,"sentiment":"positive","sentiment_score":0.35953688621520996},{"text":"The next sorry.","start":2618.5752,"end":2620.2751,"sentiment":"neutral","sentiment_score":0.0075524598360061646},{"text":"The next page down is going to be for Scott.","start":2620.5752,"end":2624.3552,"sentiment":"neutral","sentiment_score":0.003253401815891266},{"text":"If you can go to page number 49 for me.","start":2625.27,"end":2628.17,"sentiment":"neutral","sentiment_score":0.024651347007602454}],"sentiment":"neutral","sentiment_score":0.027551739748256903,"channel":0,"num_words":24,"start":2616.495,"end":2628.17},{"sentences":[{"text":"Thank you.","start":2630.87,"end":2631.35,"sentiment":"neutral","sentiment_score":0.26657967269420624},{"text":"Yep.","start":2631.35,"end":2631.85,"sentiment":"neutral","sentiment_score":0.10411833226680756},{"text":"It's called strategy recommendations.","start":2633.7651,"end":2635.225,"sentiment":"neutral","sentiment_score":0.08969561755657196}],"sentiment":"neutral","sentiment_score":0.1422943068402154,"channel":1,"num_words":7,"start":2630.87,"end":2635.225},{"sentences":[{"text":"Yeah.","start":2636.07,"end":2636.31,"sentiment":"neutral","sentiment_score":0.1186894029378891},{"text":"This is you.","start":2636.31,"end":2636.79,"sentiment":"neutral","sentiment_score":0.13565653562545776},{"text":"I promise I haven't forgotten you.","start":2636.79,"end":2638.73,"sentiment":"neutral","sentiment_score":0.10891438523928325},{"text":"All good.","start":2641.335,"end":2642.075,"sentiment":"neutral","sentiment_score":0.2544107437133789},{"text":"So with this one here, as I kinda went through with you, Scott, we did provide advice in March, and that was to alter your superannuation portfolio.","start":2642.855,"end":2650.955,"sentiment":"neutral","sentiment_score":0.12193415093201178}],"sentiment":"neutral","sentiment_score":0.1276971508677189,"channel":0,"num_words":39,"start":2636.07,"end":2650.955},{"sentences":[{"text":"I've gone back","start":2651.415,"end":2652.055,"sentiment":"neutral","sentiment_score":0.21224133670330048}],"sentiment":"neutral","sentiment_score":0.21224133670330048,"channel":0,"num_words":3,"start":2651.415,"end":2652.055},{"sentences":[{"text":"Yep.","start":2651.94,"end":2652.44,"sentiment":"neutral","sentiment_score":0.2446960210800171}],"sentiment":"neutral","sentiment_score":0.2446960210800171,"channel":1,"num_words":1,"start":2651.94,"end":2652.44},{"sentences":[{"text":"and reviewed all of that with you.","start":2652.055,"end":2653.3298,"sentiment":"neutral","sentiment_score":0.2791842818260193},{"text":"It is working really well at the moment.","start":2653.3298,"end":2654.93,"sentiment":"positive","sentiment_score":0.5889113396406174},{"text":"There's no real need to change your portfolio within hub twenty four currently.","start":2654.93,"end":2658.45,"sentiment":"neutral","sentiment_score":0.1849620766364611},{"text":"So I'm recommending you retain the super fund and also the portfolio as it is.","start":2658.45,"end":2663.27,"sentiment":"neutral","sentiment_score":0.2562615861495336}],"sentiment":"neutral","sentiment_score":0.30032584833544357,"channel":0,"num_words":43,"start":2652.055,"end":2663.27},{"sentences":[{"text":"Yep.","start":2663.615,"end":2664.115,"sentiment":"neutral","sentiment_score":0.09655016660690308}],"sentiment":"neutral","sentiment_score":0.09655016660690308,"channel":1,"num_words":1,"start":2663.615,"end":2664.115},{"sentences":[{"text":"But we are gonna in the back end, the same as with Lisa, we'll set up the family fee aggregation for you.","start":2664.77,"end":2670.415,"sentiment":"neutral","sentiment_score":0.08966168778186495},{"text":"That way, it is all linked in the back end.","start":2670.415,"end":2672.815,"sentiment":"neutral","sentiment_score":0.1889912873506546},{"text":"And and, again,","start":2672.815,"end":2673.4548,"sentiment":"neutral","sentiment_score":0.0972062423825264}],"sentiment":"neutral","sentiment_score":0.11868824948157583,"channel":0,"num_words":35,"start":2664.77,"end":2673.4548},{"sentences":[{"text":"Yeah.","start":2673.375,"end":2673.875,"sentiment":"neutral","sentiment_score":0.2501004636287689}],"sentiment":"neutral","sentiment_score":0.2501004636287689,"channel":1,"num_words":1,"start":2673.375,"end":2673.875},{"sentences":[{"text":"we sort of worked out it's a bit over $819 that we can work out that you do save combined on administration fees.","start":2673.4548,"end":2680.4949,"sentiment":"positive","sentiment_score":0.3567686424307201},{"text":"That's a really good saving for you both.","start":2680.4949,"end":2682.4949,"sentiment":"positive","sentiment_score":0.7995151206851006},{"text":"Okay.","start":2682.4949,"end":2682.9949,"sentiment":"positive","sentiment_score":0.38500821590423584}],"sentiment":"positive","sentiment_score":0.4683377486653626,"channel":0,"num_words":32,"start":2673.4548,"end":2682.9949},{"sentences":[{"text":"Yep.","start":2682.99,"end":2683.49,"sentiment":"positive","sentiment_score":0.4357415437698364}],"sentiment":"positive","sentiment_score":0.4357415437698364,"channel":1,"num_words":1,"start":2682.99,"end":2683.49},{"sentences":[{"text":"Beautiful.","start":2684.09,"end":2684.59,"sentiment":"positive","sentiment_score":0.639534592628479},{"text":"We on the next page down on the sorry.","start":2687.1301,"end":2690.19,"sentiment":"neutral","sentiment_score":0.10715194294850032},{"text":"Page 50, this is where we looked at the insurance side of things for you.","start":2690.49,"end":2694.49,"sentiment":"neutral","sentiment_score":0.05087926549216112},{"text":"So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or","start":2694.49,"end":2701.9248,"sentiment":"neutral","sentiment_score":-0.013674584302035246}],"sentiment":"neutral","sentiment_score":0.04396277035963028,"channel":0,"num_words":47,"start":2684.09,"end":2701.9248},{"sentences":[{"text":"Yep.","start":2701.9248,"end":2702.4248,"sentiment":"neutral","sentiment_score":-0.06346084922552109}],"sentiment":"neutral","sentiment_score":-0.06346084922552109,"channel":1,"num_words":1,"start":2701.9248,"end":2702.4248},{"sentences":[{"text":"down to zero and basically cancel them out.","start":2701.9248,"end":2704.825,"sentiment":"neutral","sentiment_score":-0.11068246560171247},{"text":"You currently have about 551,250 of life and TPD paid within super, and you're","start":2705.125,"end":2712.06,"sentiment":"neutral","sentiment_score":-0.021929149382880757}],"sentiment":"neutral","sentiment_score":-0.05420308255336501,"channel":0,"num_words":22,"start":2701.9248,"end":2712.06},{"sentences":[{"text":"Yep.","start":2712.0,"end":2712.5,"sentiment":"neutral","sentiment_score":-0.012911583296954632}],"sentiment":"neutral","sentiment_score":-0.012911583296954632,"channel":1,"num_words":1,"start":2712.0,"end":2712.5},{"sentences":[{"text":"it's costing about $1,597 currently.","start":2712.46,"end":2715.84,"sentiment":"neutral","sentiment_score":-0.02849460057914257},{"text":"What","start":2716.54,"end":2716.86,"sentiment":"neutral","sentiment_score":-0.09060391783714294}],"sentiment":"neutral","sentiment_score":-0.038846153455475964,"channel":0,"num_words":6,"start":2712.46,"end":2716.86},{"sentences":[{"text":"Yep.","start":2716.56,"end":2717.06,"sentiment":"neutral","sentiment_score":-0.06796972453594208}],"sentiment":"neutral","sentiment_score":-0.06796972453594208,"channel":1,"num_words":1,"start":2716.56,"end":2717.06},{"sentences":[{"text":"I am recommending is that we don't cancel it completely.","start":2716.86,"end":2719.9202,"sentiment":"neutral","sentiment_score":-0.17814584895968438},{"text":"I'm just recommending you reduce it back to 250,000.","start":2720.22,"end":2723.76,"sentiment":"neutral","sentiment_score":-0.01444344719250997},{"text":"The main","start":2724.195,"end":2724.7551,"sentiment":"neutral","sentiment_score":0.01377345621585846}],"sentiment":"neutral","sentiment_score":-0.08970964770941507,"channel":0,"num_words":21,"start":2716.86,"end":2724.7551},{"sentences":[{"text":"Yep.","start":2724.375,"end":2724.875,"sentiment":"neutral","sentiment_score":0.02244548127055168}],"sentiment":"neutral","sentiment_score":0.02244548127055168,"channel":1,"num_words":1,"start":2724.375,"end":2724.875},{"sentences":[{"text":"reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have.","start":2724.7551,"end":2732.355,"sentiment":"neutral","sentiment_score":0.014276294112205505},{"text":"However, you do also have your CGT bill and you wanna buy your 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mentioned","start":3615.375,"end":3616.2551,"sentiment":"neutral","sentiment_score":0.07406982965767384}],"sentiment":"neutral","sentiment_score":0.10317897903067726,"channel":0,"num_words":28,"start":3609.0,"end":3616.2551},{"sentences":[{"text":"Yeah.","start":3616.14,"end":3616.64,"sentiment":"neutral","sentiment_score":0.10335304588079453}],"sentiment":"neutral","sentiment_score":0.10335304588079453,"channel":1,"num_words":1,"start":3616.14,"end":3616.64},{"sentences":[{"text":"last time, it just provides that little bit of extra benefit.","start":3616.2551,"end":3618.835,"sentiment":"neutral","sentiment_score":0.23513182997703552},{"text":"If one of you need to ask questions about each account, you can.","start":3618.975,"end":3622.355,"sentiment":"neutral","sentiment_score":0.15067575871944427}],"sentiment":"neutral","sentiment_score":0.1893847913791736,"channel":0,"num_words":24,"start":3616.2551,"end":3622.355},{"sentences":[{"text":"Yes.","start":3622.4023,"end":3622.9023,"sentiment":"neutral","sentiment_score":0.1621362417936325}],"sentiment":"neutral","sentiment_score":0.1621362417936325,"channel":1,"num_words":1,"start":3622.4023,"end":3622.9023},{"sentences":[{"text":"And it also means if one of you are in hospital or something happened, you can call and go, hey.","start":3622.975,"end":3626.655,"sentiment":"neutral","sentiment_score":0.09179964121431113},{"text":"Scott's in hospital.","start":3626.655,"end":3627.635,"sentiment":"neutral","sentiment_score":0.044964577381809555},{"text":"I need to do this, this, and this, and we can help you out.","start":3627.855,"end":3630.2551,"sentiment":"neutral","sentiment_score":0.27535570093563627},{"text":"So we've got all of those.","start":3630.2551,"end":3632.4,"sentiment":"neutral","sentiment_score":0.24112732708454132},{"text":"We'll also do a lost super search for you.","start":3632.4,"end":3634.4,"sentiment":"neutral","sentiment_score":0.18254693183634016}],"sentiment":"neutral","sentiment_score":0.17145293689547822,"channel":0,"num_words":52,"start":3622.975,"end":3634.4},{"sentences":[{"text":"We'll make the ACO go out there and see if there's anything in the ether that we can help to consolidate for you aside from what we know about.","start":3634.4,"end":3641.38,"sentiment":"neutral","sentiment_score":0.23096211665663227},{"text":"And then you've also got your application forms and things attached so we can start an implementation process for you.","start":3641.84,"end":3648.075,"sentiment":"neutral","sentiment_score":0.23487965390086174}],"sentiment":"neutral","sentiment_score":0.2325611114501953,"channel":0,"num_words":49,"start":3634.4,"end":3648.075},{"sentences":[{"text":"Fantastic.","start":3648.4102,"end":3648.9102,"sentiment":"positive","sentiment_score":0.7765556573867798}],"sentiment":"positive","sentiment_score":0.7765556573867798,"channel":1,"num_words":1,"start":3648.4102,"end":3648.9102},{"sentences":[{"text":"And easy and I'll send you an email as well if you can just shoot me back a copy of your driver's license.","start":3648.6948,"end":3654.315,"sentiment":"positive","sentiment_score":0.4937746498895728}],"sentiment":"positive","sentiment_score":0.4937746498895728,"channel":0,"num_words":23,"start":3648.6948,"end":3654.315},{"sentences":[{"text":"Yep.","start":3654.8901,"end":3655.3901,"sentiment":"neutral","sentiment_score":0.12135660648345949}],"sentiment":"neutral","sentiment_score":0.12135660648345949,"channel":1,"num_words":1,"start":3654.8901,"end":3655.3901},{"sentences":[{"text":"And Maddie will also need to obtain your tax file number prior to opening up your hub twenty four super account, and she'll let you know when she needs that.","start":3655.255,"end":3663.4102,"sentiment":"neutral","sentiment_score":0.14747076854109764},{"text":"Okay?","start":3663.4102,"end":3663.9102,"sentiment":"neutral","sentiment_score":0.10867149382829666}],"sentiment":"neutral","sentiment_score":0.1462191790342331,"channel":0,"num_words":31,"start":3655.255,"end":3663.9102},{"sentences":[{"text":"No worries.","start":3663.735,"end":3664.475,"sentiment":"neutral","sentiment_score":0.23203612864017487},{"text":"Sounds good.","start":3664.695,"end":3665.435,"sentiment":"positive","sentiment_score":0.6253204643726349}],"sentiment":"positive","sentiment_score":0.4286782965064049,"channel":1,"num_words":4,"start":3663.735,"end":3665.435},{"sentences":[{"text":"Beautiful.","start":3665.33,"end":3665.83,"sentiment":"positive","sentiment_score":0.743224024772644},{"text":"Thank you so much for your time.","start":3665.97,"end":3667.4102,"sentiment":"positive","sentiment_score":0.7873642614909581},{"text":"I really appreciate.","start":3667.4102,"end":3668.37,"sentiment":"positive","sentiment_score":0.6078977386156718},{"text":"I'm sorry.","start":3668.37,"end":3668.77,"sentiment":"neutral","sentiment_score":-0.14162235707044601},{"text":"It's very long.","start":3668.77,"end":3669.4102,"sentiment":"negative","sentiment_score":-0.3434966007868449}],"sentiment":"positive","sentiment_score":0.4227957846596837,"channel":0,"num_words":16,"start":3665.33,"end":3669.4102},{"sentences":[{"text":"It's quite a lot to go through.","start":3669.4102,"end":3671.03,"sentiment":"neutral","sentiment_score":-0.2822897902556828}],"sentiment":"neutral","sentiment_score":-0.2822897902556828,"channel":0,"num_words":7,"start":3669.4102,"end":3671.03},{"sentences":[{"text":"Oh, good.","start":3671.7,"end":3672.34,"sentiment":"neutral","sentiment_score":0.32778090238571167},{"text":"Thanks for that.","start":3672.34,"end":3673.4001,"sentiment":"positive","sentiment_score":0.5556272367636362}],"sentiment":"positive","sentiment_score":0.4644887030124664,"channel":1,"num_words":5,"start":3671.7,"end":3673.4001},{"sentences":[{"text":"No worries.","start":3673.645,"end":3674.2048,"sentiment":"neutral","sentiment_score":0.19539251178503036},{"text":"If either of you have any questions, please let me know.","start":3674.2048,"end":3676.605,"sentiment":"neutral","sentiment_score":0.20596221766688608},{"text":"Happy to answer anything that you might have once you've taken some time to read it over.","start":3676.605,"end":3680.385,"sentiment":"positive","sentiment_score":0.516924277824514}],"sentiment":"positive","sentiment_score":0.3814694046974182,"channel":0,"num_words":30,"start":3673.645,"end":3680.385},{"sentences":[{"text":"Will do.","start":3680.98,"end":3681.375,"sentiment":"positive","sentiment_score":0.5025455802679062},{"text":"Have a good night.","start":3681.375,"end":3682.52,"sentiment":"positive","sentiment_score":0.609593540430069}],"sentiment":"positive","sentiment_score":0.5739108870426813,"channel":1,"num_words":6,"start":3680.98,"end":3682.52},{"sentences":[{"text":"You too.","start":3682.969,"end":3683.369,"sentiment":"positive","sentiment_score":0.44292043149471283},{"text":"Thank you.","start":3683.369,"end":3683.769,"sentiment":"positive","sentiment_score":0.6439535617828369},{"text":"Enjoy your dinner.","start":3683.769,"end":3684.749,"sentiment":"positive","sentiment_score":0.6620365579922994}],"sentiment":"positive","sentiment_score":0.5942653800759997,"channel":0,"num_words":7,"start":3682.969,"end":3684.749},{"sentences":[{"text":"Thanks.","start":3684.929,"end":3685.409,"sentiment":"positive","sentiment_score":0.5809357166290283},{"text":"That's fine.","start":3685.409,"end":3686.149,"sentiment":"positive","sentiment_score":0.4583367258310318}],"sentiment":"positive","sentiment_score":0.49920305609703064,"channel":1,"num_words":3,"start":3684.929,"end":3686.149},{"sentences":[{"text":"Thanks.","start":3686.5688,"end":3686.969,"sentiment":"positive","sentiment_score":0.5872993469238281},{"text":"See you later.","start":3686.969,"end":3687.709,"sentiment":"neutral","sentiment_score":0.28076626484592754}],"sentiment":"positive","sentiment_score":0.3573995353654027,"channel":0,"num_words":4,"start":3686.5688,"end":3687.709}]},"summary":{"result":"success","short":"The representative from Oakview Hello confirms an appointment with Lisa and sends a request to resend emails and provide supporting documents. They review various documents, emphasize the importance of the statement of advice, and note on the documents, including retirement plans, coverage amounts, and employment practices. The speaker emphasizes the importance of reducing the customer's life insurance policy and reviewing their will and power of attorney, as well as the benefits of staying under the insurance cover and maintaining proper employment practices. The speaker provides guidance on completing the implementation process, obtaining their tax file number, and signing and sending a copy of their driver's license."},"intents":{"segments":[{"text":"I've got you both booked in. Is now still a good time just to run through things Yeah.","start_word":28,"end_word":45,"intents":[{"intent":"Schedule appointment","confidence_score":0.08904933}]},{"text":"If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice. You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you.","start_word":404,"end_word":475,"intents":[{"intent":"Open odoo sign","confidence_score":0.12877437}]},{"text":"If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice. You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you. What date would that email be?","start_word":404,"end_word":481,"intents":[{"intent":"Refer to email","confidence_score":0.00075520674}]},{"text":"I'm just refreshing my system because I can see that they're both being sent. Okay.","start_word":607,"end_word":621,"intents":[{"intent":"Refresh system","confidence_score":0.053314798}]},{"text":"I'm just resending this one as well because it might also just be that it hasn't quite sent through fully. So I'm just pressing the resend button there as well.","start_word":722,"end_word":751,"intents":[{"intent":"Resend document","confidence_score":0.20292455}]},{"text":"I'm just resending this one as well because it might also just be that it hasn't quite sent through fully. So I'm just pressing the resend button there as well. I got the one that said supporting documents. And you got you got that same one? Okay. And Okay. Let's see if this works again for you. Yep.","start_word":722,"end_word":779,"intents":[{"intent":"Resign document","confidence_score":0.0073943427}]},{"text":"I've got emails here as lisa.andrews11@bigpond.com and Scott Yep. .andrews11@bigatbigpond.com as well. Correct.","start_word":838,"end_word":850,"intents":[{"intent":"Check email","confidence_score":0.034920316}]},{"text":"You'll press the button that says to sign it, but it just allows you to go forward so you can review each of the documents there. Okay.","start_word":926,"end_word":952,"intents":[{"intent":"Review documents","confidence_score":0.0011562328},{"intent":"Review document","confidence_score":0.3820392}]},{"text":"Now on those documents, there should be either a button that says next or an arrow so you can scroll through those documents. Yep.","start_word":955,"end_word":978,"intents":[{"intent":"Scroll document","confidence_score":0.010782561}]},{"text":"So if you can just press the next button till you get to the document that says statement of advice there for me.","start_word":1026,"end_word":1048,"intents":[{"intent":"Help with document access","confidence_score":0.001504471},{"intent":"Send document","confidence_score":0.0011319625}]},{"text":"Can So when you I see the can you see each of the documents by heading on the side of it at all?","start_word":1195,"end_word":1217,"intents":[{"intent":"Navigate to documents","confidence_score":0.009283203},{"intent":"Access document","confidence_score":0.037466627}]},{"text":"just open up that one and go through that one to make it easier, and then I can always resend this if it's if the Odoo isn't working properly because it has had a little bit of a bug today. It's been a bit slow and not really doing what I want it to. I can always resend it if you have any problems kinda going through and reading the documents. Yep.","start_word":1279,"end_word":1350,"intents":[{"intent":"Resolve issue","confidence_score":0.017761363}]},{"text":"I've Otherwise got that hopefully, open. it'll just need a second. It might load for you a bit later on. Yeah.","start_word":1353,"end_word":1373,"intents":[{"intent":"Open document","confidence_score":0.15909958},{"intent":"Reload document","confidence_score":0.011061308}]},{"text":"So that one there is a statement of advice prepared for both of yourselves.","start_word":1389,"end_word":1402,"intents":[{"intent":"Provide advice","confidence_score":0.6086693}]},{"text":"We do date the document as of today's date for you just so all of our documents are valid for thirty days from the date on the front of the document.","start_word":1412,"end_word":1442,"intents":[{"intent":"Document document","confidence_score":0.011637739}]},{"text":"Essentially, we may need to take reasonable steps to make sure we understand your goals, your objectives, and any advice provided does need to be there to meet your goals and within the best interest duty. Yep.","start_word":1584,"end_word":1620,"intents":[{"intent":"Understand goals","confidence_score":0.41430375}]},{"text":"So you both had essentially goals with superannuation of reviewing your super, Lisa, and seeing whether moving into hub twenty four and or, you know, linking the account was of benefit to you in helping you to meet your goals. And you both Yep.","start_word":1649,"end_word":1692,"intents":[{"intent":"Review super","confidence_score":0.14946723},{"intent":"Review super","confidence_score":0.25316647}]},{"text":"have a goal of retiring at age 60 and drawing an income from super of around about 6,000 per month.","start_word":1693,"end_word":1712,"intents":[{"intent":"Draw income","confidence_score":0.36003476},{"intent":"Help meet goals","confidence_score":0.00003770839}]},{"text":"We're looking at a total oh, sorry. That's actually 4,000 per month.","start_word":1713,"end_word":1724,"intents":[{"intent":"Calculate amount","confidence_score":0.00015309565}]},{"text":"We're also scoping in, essentially, looking at your work hours. So one of the things that you wanted us to look at was whether you could drop hours to 50%.","start_word":1775,"end_word":1804,"intents":[{"intent":"Discuss work hours","confidence_score":0.035565555},{"intent":"Suggest lowering hours","confidence_score":0.004115629},{"intent":"Discuss lowering hours","confidence_score":0.042063538}]},{"text":"I've also scoped in on the next page their estate planning. So when we are looking at superannuation and insurance, it's just making sure that you do have the estate planning and beneficiary set up in line with your goals there as well.","start_word":1863,"end_word":1905,"intents":[{"intent":"Suggest estate planning","confidence_score":0.0036852295}]},{"text":"On the next page, we've got the insurances. So you both have separate insurance goals, essentially. Alicia, you've got some life and TPD within your rider super account looking at keeping the cover amounts the same, by looking how to use it or how to transfer them or how to keep the same level of cover, but also have it paid out of super whilst looking at other super funds for you as well. You've got Yeah.","start_word":1908,"end_word":1984,"intents":[{"intent":"Discuss insurances","confidence_score":0.0040093623}]},{"text":"On the next page, we have a limited scope. So these are areas that we have still considered as part of the advice, but that we might be limiting the recommendations around or just focusing or keeping in here because they are related to other areas.","start_word":2134,"end_word":2179,"intents":[{"intent":"Discuss limiting recommendations","confidence_score":0.045499537}]},{"text":"This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as well. Okay. Yeah.","start_word":2298,"end_word":2339,"intents":[{"intent":"Consolidate benefits","confidence_score":0.010788422}]},{"text":"So, Scott, you've got your BHP shares. You are happy to keep those as they are at the moment. We're not making any changes to those shares currently. Essentially, we can look at those down the track when and if you are ready to, you know, make any changes or sell or utilize those shares in any way. Yep.","start_word":2577,"end_word":2635,"intents":[{"intent":"Resolve issues","confidence_score":0.011270402}]},{"text":"as well with the current premiums for each.","start_word":3046,"end_word":3053,"intents":[{"intent":"Inquire about cost","confidence_score":0.00023330784}]},{"text":"With going back and having a look at all, I am recommending that you do reduce your hours. So you cut your hours by 50%.","start_word":3199,"end_word":3223,"intents":[{"intent":"Recommend limit hourly rate","confidence_score":0.0000017808898}]},{"text":"With going back and having a look at all, I am recommending that you do reduce your hours. So you cut your hours by 50%. Essentially, with your payslips, you're working about seventy two hours per fortnight. So it would be cutting back to thirty six hours per fortnight.","start_word":3199,"end_word":3247,"intents":[{"intent":"Explain benefits of reduced hours","confidence_score":0.02201316}]},{"text":"You said you were gonna have a chat to him the other I week. have. How did that go?","start_word":3446,"end_word":3464,"intents":[{"intent":"Discuss previous communication","confidence_score":0.000045423352}]},{"text":"I just need to find someone else to do my fifth other 50%, So Yep.","start_word":3471,"end_word":3485,"intents":[{"intent":"Recommend alternative solution","confidence_score":0.0003331718}]},{"text":"At So least we're working you get to on have it. con, yeah, at least you get to have a bit of control around that. I think that's one of the the positives about that scenario is that you get to make sure the person can do the other half of your job properly so you're not, you know, working half the hours between twice the amount of work. So Yeah. Exactly. yeah.","start_word":3496,"end_word":3568,"intents":[{"intent":"Confirm understanding","confidence_score":0.044293657}]},{"text":"So, look, I'm really happy with that. It works really well.","start_word":3570,"end_word":3580,"intents":[{"intent":"Express happy with proposal","confidence_score":0.000045711575}]},{"text":"So now once you've got all of that in place, you'll be able to plan your trips away and enjoy, you know, taking a little bit more time for yourself and your family, which essentially was the goal with that one. Yeah.","start_word":3673,"end_word":3714,"intents":[{"intent":"Plan trips","confidence_score":0.38592544}]},{"text":"On the next page, it does kinda break down the cash flow recommendations for you with regard to some of the research. And then it's also outlining advantages, disadvantages, and risks and alternatives that we've looked at for you as well as part of the research. Okay. Yep.","start_word":3861,"end_word":3908,"intents":[{"intent":"Understand research","confidence_score":0.09308588},{"intent":"Explore advantages","confidence_score":0.0016966834},{"intent":"Explore advantages","confidence_score":0.004171792}]},{"text":"I had a look at Hub twenty four, which is where Scott Cooper is as well as all the other super funds out there and compared that with Brida.","start_word":3950,"end_word":3978,"intents":[{"intent":"Compare super funds","confidence_score":0.3840594}]},{"text":"that the behind the things, we will link your two accounts together. So where it's you have two separate super funds, but they're linked together in the back end.","start_word":3996,"end_word":4024,"intents":[{"intent":"Link accounts","confidence_score":0.3412788}]},{"text":"It helps to sort of save admin fees in the back end, which is actually really good for you both.","start_word":4077,"end_word":4096,"intents":[{"intent":"Save admin fees","confidence_score":0.4374229}]},{"text":"We're also gonna change your surname with Brighter Super before we do anything because that's probably the biggest thing to start with here.","start_word":4168,"end_word":4190,"intents":[{"intent":"Change surname and submit driver's license","confidence_score":0.00032436507}]},{"text":"we'll also probably need to get a copy of your marriage certificate as well just so we Yep. can kind of confirm. But my admin team will just make sure that they have, let you know everything that they need to be able to get that form completed, signed, and sent off No to worries.","start_word":4252,"end_word":4306,"intents":[{"intent":"Provide marriage certificate","confidence_score":0.09036021},{"intent":"Confirm birth certificate","confidence_score":0.0006393472}]},{"text":"and then we'll do a partial rollover. We do leave 10,000 behind inside your Brighter sofa initially and complete the rest of the rollover.","start_word":4385,"end_word":4408,"intents":[{"intent":"Complete rollover","confidence_score":0.12406711}]},{"text":"Essentially, the what with the rollover, with the balances there, the full balance will be rolled over, but we'll start with just a partial rollover. So it's about $512,008.47 based on the current reset is rolled over first. We leave 10,000 behind.","start_word":4645,"end_word":4686,"intents":[{"intent":"Reset balance","confidence_score":0.009913953}]},{"text":"I will in the DocuSign, the OdooSign one, I'll have that little bit fixed up, and I'll resend that out to you because I think that the OdooSign might be a little bit Yep.","start_word":4823,"end_word":4856,"intents":[{"intent":"Provide assistance from odoosign","confidence_score":0.000004447676}]},{"text":"We do Yep. look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well.","start_word":4921,"end_word":4962,"intents":[{"intent":"Provide recommendations for scott's account","confidence_score":0.0009645127}]},{"text":"look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well.","start_word":4924,"end_word":4962,"intents":[{"intent":"Link accounts to scott's account","confidence_score":0.000020867112}]},{"text":"So this is essentially showing you the fee comparison table. So with the recommendations there, you've got your current Brighter Super account there. You've got your current investment fees, administration fees, your contributions going in, and then also insurance premiums currently coming out as well. With Yep.","start_word":4980,"end_word":5026,"intents":[{"intent":"Explain fee comparison table","confidence_score":0.033335548}]},{"text":"With the implementation fee, we still do charge the implementation fee. As I mentioned last time, it's $4,909,150. That is deducted out of the super account as soon as the funds are rolled from Vita Super into Hub twenty four for you. So Yeah.","start_word":5078,"end_word":5121,"intents":[{"intent":"Explain charges","confidence_score":0.000097669596}]},{"text":"And that's one of the things I like to look at is making sure that you're not spending all this money on fees, Cool. that Yeah.","start_word":5311,"end_word":5336,"intents":[{"intent":"Reassure scott about fees","confidence_score":0.000069582995}]},{"text":"So it's also saving money on insurances. I'm expecting to save you about a $147 a year, which is really important again.","start_word":5530,"end_word":5551,"intents":[{"intent":"Save money","confidence_score":0.24305858}]},{"text":"With your current super fund within Brighter there, we've got the balanced growth portfolio. This is where you're sort of invested currently. When we look at how this has been performing over the past five years, it's averaged about 6.85%. Definitely Yep.","start_word":5572,"end_word":5613,"intents":[{"intent":"Indicate portfolio performance","confidence_score":0.000020613104},{"intent":"Discuss portfolio options","confidence_score":0.025248671},{"intent":"Explain portfolio balance","confidence_score":0.00087574846}]},{"text":"the amount of investment fees that you have to pay as well.","start_word":5899,"end_word":5910,"intents":[{"intent":"Explain investment fees","confidence_score":0.008006874}]},{"text":"One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios. This investment gives you access and exposure to the entire globe minus The US Of A. We see 8% invested in here, and it's a really good investment. Has actually seen some very good growth over the past few months there as well. Okay.","start_word":6102,"end_word":6163,"intents":[{"intent":"Evaluate portfolio diversification","confidence_score":0.354601}]},{"text":"Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you. We do see volatility Yep. in the shorter term, but long term, we do get great results out of them. Out of them.","start_word":6309,"end_word":6351,"intents":[{"intent":"Share investment experience","confidence_score":0.00014918392}]},{"text":"So this is essentially where you would see your funds invested after moving out of the Brighter Super. I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested. But did you Yep.","start_word":6885,"end_word":6929,"intents":[{"intent":"Provide fund and information","confidence_score":1.7584597e-8}]},{"text":"and have outlined why that is in your best interest as well as any advantages, disadvantages, risks involved, and any alternatives that we have considered as part of the research for you for this one as well. Okay? Yep.","start_word":7281,"end_word":7319,"intents":[{"intent":"Explaining product benefits","confidence_score":0.0029189442}]},{"text":"So the same as last time, I am recommending that you just retain the level of coverage you have within Brighter Super Bowl, but we transfer it to hub twenty four.","start_word":7342,"end_word":7372,"intents":[{"intent":"Recommending insurance coverage transfer","confidence_score":0.0573017}]},{"text":"The other side of that, as we kinda went through last time, is your employer is currently paying for your insurances within Brighter Super.","start_word":7412,"end_word":7435,"intents":[{"intent":"Confirming employer payment","confidence_score":0.18116422}]},{"text":"These insurances will then be paid out of your super fund, but they are also cheaper. So when we look at Yeah. the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly. Long term, it provided a much greater benefit there for you, and it's still keeping Yep. the same level of cover there. Okay? Yep.","start_word":7457,"end_word":7535,"intents":[{"intent":"Explain insurance cover benefits","confidence_score":4.6094254e-7}]},{"text":"the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly. Long term, it provided a much greater benefit there for you, and it's still keeping Yep. the same level of cover there. Okay? Yep.","start_word":7479,"end_word":7535,"intents":[{"intent":"Explain benefits of a policy","confidence_score":0.021120612}]},{"text":"And we've also got the advantages, disadvantages, and the risks involved there for you. Yes. Beautiful.","start_word":7561,"end_word":7576,"intents":[{"intent":"Provide information about benefits and disadvantages of a policy","confidence_score":0.000014757939}]},{"text":"Beautiful.","start_word":7707,"end_word":7707,"intents":[{"intent":"Provide information about a policy","confidence_score":0.014249475}]},{"text":"retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection.","start_word":7805,"end_word":7830,"intents":[{"intent":"Retain income protection policy","confidence_score":0.6425241}]},{"text":"retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection. And one of the biggest things is that when you do apply for income protection, because it's the first thing we claim on, it is the most expensive type of insurances to hold. So having Yep.","start_word":7805,"end_word":7866,"intents":[{"intent":"Apply for benefits","confidence_score":0.108846605},{"intent":"Apply for benefit","confidence_score":0.031469706}]},{"text":"this here, does provide you with a good benefit. They essentially have that forty five day waiting period. They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks.","start_word":7866,"end_word":7908,"intents":[{"intent":"Hold income","confidence_score":0.0005361361}]},{"text":"It's called strategy recommendations. Yeah.","start_word":8074,"end_word":8078,"intents":[{"intent":"Obtain strategy recommendations","confidence_score":0.022290329}]},{"text":"So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or down Yep. to zero and basically cancel them out.","start_word":8259,"end_word":8289,"intents":[{"intent":"Determine if tpd can be changed","confidence_score":0.000009139124}]},{"text":"So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or down Yep. to zero and basically cancel them out. You currently have about 551,250 of life and TPD paid within super, and you're Yep. it's costing about $1,597 currently. What Yep.","start_word":8259,"end_word":8311,"intents":[{"intent":"Reduce life and tpd","confidence_score":0.24189325}]},{"text":"You currently have about 551,250 of life and TPD paid within super, and you're Yep. it's costing about $1,597 currently. What Yep.","start_word":8290,"end_word":8311,"intents":[{"intent":"Analyze tpd's workload","confidence_score":0.00028933687}]},{"text":"reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have. However, you do also have your CGT bill and you wanna buy your caravan.","start_word":8334,"end_word":8372,"intents":[{"intent":"Plan tyra van purchase","confidence_score":4.936138e-10}]},{"text":"that little bit of extra cover was really important.","start_word":8463,"end_word":8471,"intents":[{"intent":"Provide extra coverage for family","confidence_score":0.0027101722}]},{"text":"The other thing that kinda came to me when I was looking at this was what happens if you're TPD without having this even smaller of total permanent disability?","start_word":8472,"end_word":8500,"intents":[{"intent":"Determine if new work is needed","confidence_score":0.0001221928}]},{"text":"The other reason people have TBD cover is to replace vehicles, to add home modifications for ongoing support, care, and sometimes rehabilitation costs are involved as well. So, I sort of looked at everything, weighed up the risks, and looked at all the different outcomes there and decided that you keeping that two hundred and fifty thousand of TBD and life was appropriate. We're Yep.","start_word":8577,"end_word":8641,"intents":[{"intent":"Maintain coverage","confidence_score":0.010247464}]},{"text":"reducing it basically by half. So it does reduce the cost of the premium, which is important because that then allows more money to stay inside your super long term.","start_word":8642,"end_word":8671,"intents":[{"intent":"Reduce premium","confidence_score":0.1162014}]},{"text":"And when you think about the risks involved with even just your job, you know, TBD is probably a big thing to consider.","start_word":8701,"end_word":8723,"intents":[{"intent":"Consider tbd","confidence_score":0.11483093}]},{"text":"So that's the reason I've made that recommendation and suggested we do keep that 250,000 of life and TV.","start_word":8910,"end_word":8928,"intents":[{"intent":"Recommend keeping tbd-size","confidence_score":9.781383e-9}]},{"text":"you We'll have save any questions then? it. So no.","start_word":8941,"end_word":8950,"intents":[{"intent":"Discuss concerns","confidence_score":0.0009383524}]},{"text":"So there's a saving there, so that's good. Absolutely.","start_word":8954,"end_word":8962,"intents":[{"intent":"Save money","confidence_score":0.032580025}]},{"text":"So reducing that back saves you a bit more of a premium and keeps your income protection policy in line with 70% of your current income amount. Does that make sense?","start_word":9137,"end_word":9167,"intents":[{"intent":"Reduce income protection premiums","confidence_score":0.12009469}]},{"text":"On the next page, I've outlined the best interest duty there for you. Just noting basically what I have gone through there, just outlining why Yep. this remains in your best interest. And then I've also got the advantages, disadvantages, and the risks involved there. On Yep.","start_word":9171,"end_word":9217,"intents":[{"intent":"Explain best interest duty","confidence_score":0.19877422},{"intent":"Explain results","confidence_score":0.0037230083},{"intent":"Explain best interest duty","confidence_score":0.0013605141}]},{"text":"And then it projects it over the next five to ten years to where your super balance should end up based on the changes and the recommendations.","start_word":9301,"end_word":9327,"intents":[{"intent":"Propose future changes","confidence_score":0.030137373}]},{"text":"So, essentially, what we're recommending with the beneficiary is that you nominate each other. You'll see a little bit of a table on page 56 there. Yep.","start_word":9470,"end_word":9496,"intents":[{"intent":"Recommend naming beneficiary","confidence_score":0.0032326116}]},{"text":"I also like them to be reviewed on a regular basis.","start_word":9740,"end_word":9750,"intents":[{"intent":"Review and review super accounts","confidence_score":0.0023516559}]},{"text":"Because we're projected forward and both of you have great balances and are projected to have great balances, it also does mean, unfortunately, you're probably not gonna be eligible for Centrelink.","start_word":10094,"end_word":10124,"intents":[{"intent":"Review balances","confidence_score":0.21388245}]},{"text":"However, down the track, I do wanna look at, you know, where we end up closer to retirement at age 67, you know, what your balances look like, whether we can maybe look at getting some Centrelink for you as well to sort of supplement some of the super to provide even further a benefit for you.","start_word":10125,"end_word":10181,"intents":[{"intent":"Expand benefits","confidence_score":0.002771287}]},{"text":"So if there's a chance that we can look at that down the track and shelters shelter money, we can look at annuities, then we'll definitely look at doing that to provide greater benefit there.","start_word":10219,"end_word":10253,"intents":[{"intent":"Review annuities","confidence_score":0.17211287}]},{"text":"I would do just wanna update a couple of small things and other things that we noted. I Yeah.","start_word":10351,"end_word":10369,"intents":[{"intent":"Update notes","confidence_score":0.056980994}]},{"text":"I'm going to stop that audio sign that came through and resend it because it it's just coming up with a bit of an error on my end of things, North Carolina.","start_word":10379,"end_word":10410,"intents":[{"intent":"Report error","confidence_score":0.0022774101}]},{"text":"with your surname. And I'll just go back and resend that to you shortly.","start_word":10458,"end_word":10471,"intents":[{"intent":"Provide information","confidence_score":0.019257952}]},{"text":"And I'll just go back and resend that to you shortly.","start_word":10460,"end_word":10470,"intents":[{"intent":"Understand process","confidence_score":0.00016040874}]},{"text":"I think, Scott, you wanted six months last time. Is that still fairly accurate? Yep.","start_word":10637,"end_word":10651,"intents":[{"intent":"Confirm details","confidence_score":0.004275815}]},{"text":"Yeah. Beautiful. Yep.","start_word":10656,"end_word":10658,"intents":[{"intent":"Express gratitude","confidence_score":0.009143904}]},{"text":"You'll also note in the back of the document there, the ongoing service fee is 1.10% for both of you. So, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well. There's Yes.","start_word":10684,"end_word":10734,"intents":[{"intent":"Update document","confidence_score":0.0019125125}]},{"text":"So, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well. There's Yes.","start_word":10704,"end_word":10734,"intents":[{"intent":"Change background","confidence_score":0.032886308}]},{"text":"no implementation fees for your side of things, Scott, because you're already a client. And, Lisa, Yep. I've got your $495.00 on there for you as a flat fee. Yep.","start_word":10735,"end_word":10764,"intents":[{"intent":"State fees","confidence_score":0.000067650864}]},{"text":"I have set out how we would implement this advice piece for you. So you're welcome to run your eyes over that, have a look at essentially what we'll do for you in the different stages so you can, you know, see where or how the implementation would work for you both. Yep.","start_word":10907,"end_word":10959,"intents":[{"intent":"Implement advice piece","confidence_score":0.036473867}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Lisa. It's Dana from Oakview Hello? Financial. How are you this afternoon? Not too bad. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.1143515408039093},{"text":"I'm very well. Thank you. Thanks for asking. I've got you both booked in.","start_word":20,"end_word":33,"sentiment":"positive","sentiment_score":0.5122734308242798},{"text":"Is now still a good time just to run through things Yeah. and start a bit earlier for you, buddy? Yeah.","start_word":34,"end_word":54,"sentiment":"neutral","sentiment_score":0.20883946120738983},{"text":"Definitely. That's great. Thank you. Fantastic. That's okay.","start_word":55,"end_word":62,"sentiment":"positive","sentiment_score":0.5240494608879089},{"text":"Is Scott there with you as well? Yeah. Yeah. I'm here. Hey, Scott. How are you? How's your day Not been? too bad. Yep.","start_word":63,"end_word":86,"sentiment":"neutral","sentiment_score":0.1104888916015625},{"text":"Good. Thanks. Oh, that's excellent.","start_word":87,"end_word":91,"sentiment":"positive","sentiment_score":0.5201139450073242},{"text":"So I'm just gonna send through the DocuSign there through to you. Before I do jump into the call, I just have to let you both know our calls are recorded for training and quality purposes. Are you both happy for me to proceed with that? Yes.","start_word":92,"end_word":138,"sentiment":"neutral","sentiment_score":0.18988513946533203},{"text":"Fantastic.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.5279685258865356},{"text":"And I just need to do security with you, if I could. If I can get you both to say your name and and date of birth and just one of you to provide an address, that would be absolutely perfect if possible. Yep. So Lisa Andrews, 07/23/1978, 12 Piper Yep. Street in New Park. Beautiful. Scott Wade Andrews. 111175. Beautiful.","start_word":140,"end_word":200,"sentiment":"neutral","sentiment_score":0.14940962195396423},{"text":"Thank you so much for that.","start_word":201,"end_word":206,"sentiment":"positive","sentiment_score":0.5089207291603088},{"text":"Now you're gonna receive a separate email as well. We had quite a few supporting documents, things like PDFs for the recommended products, and they just didn't all kind of fit in the original Odoo sign. So I'm sending a separate email to the both of you with those sort of supporting documents for you to be able to go through and have a read of, and, Yep. also, just sending to the the order signed for you with the actual advice document. Order is a little bit slow this afternoon, so hoping it comes through fairly quickly for you both there. Sorry. Hasn't come through yet. I'll No. refresh That's a few okay. times. Yeah. And just double check your junk mail as well. Sometimes I just get diverted Okay. to junk. I'll check-in there. Grandson's going off in the background if you can hear that screaming. Oh, yes. Oh, wow. Oh, Husband just closed the door. you're right. Is he okay? Do you need to attend Yeah. Mom to him the at mom all? and dad are looking after him. Oh, that's We're all good. we're just shutting out the noise. No. That's absolutely fine. If the Odoo sign is taking a little bit extra time to come through, I can also if you go to the email that you should have received with the supporting documents there, I've also got a copy of the statement of advice. You're welcome to open that one up if you like, and we can go through those recommendations just while that Odoo sign is on its way over to you. What date would that email be? That would It be was just sent through a short time ago, so okay. about None of none have come through. none have come through yet. Oh, goodness. Yeah. It is a big email. I'm not gonna lie. We normally put all of these additional documents in that OdoSign with everything, but it is quite a large email that I'm sending through. So it Okay. had to come through as two separate. Sorry about that. That's okay. Mhmm. All good. And how did your holiday go? I know you both had a bit of a a holiday as well. How was Yeah. It was really that?","start_word":207,"end_word":587,"sentiment":"neutral","sentiment_score":0.02084753820257081},{"text":"good. Really nice and relaxing.","start_word":588,"end_word":592,"sentiment":"positive","sentiment_score":0.5950135588645935},{"text":"Oh.","start_word":593,"end_word":593,"sentiment":"neutral","sentiment_score":0.2896861433982849},{"text":"Oh, fantastic.","start_word":594,"end_word":595,"sentiment":"positive","sentiment_score":0.411565214395523},{"text":"A bit of downtime. It's always nice, isn't it? Yeah.","start_word":596,"end_word":605,"sentiment":"neutral","sentiment_score":0.24677403271198273},{"text":"Fantastic.","start_word":606,"end_word":606,"sentiment":"positive","sentiment_score":0.4011463522911072},{"text":"I'm just refreshing my system because I can see that they're both being sent. Okay. There we go. Do you wanna try your laptop, Scott, in case it's on there? I'm downloading one zero one. That's all that is. Okay. Oh, you got you got an email? Okay. I haven't got one yet. Oh, there you go. Something came to yep. I got one. Supporting documents. And woah. Okay. No advice. Just Yeah. point back. Told you it was big. Sorry. Yeah. It's all saying downloading. Yeah. No. That's okay. And this one, hopefully, shouldn't be too far behind it. This one has, again, quite a few documents in it as well. Here we go. I'm just resending this one as well because it might also just be that it hasn't quite sent through fully. So I'm just pressing the resend button there as well. I got the one that said supporting documents. And you got you got that same one? Okay. And Okay. Let's see if this works again for you. Yep. I'm just retyping in your email address just to make sure that we are sending everything correctly. My grandson stopped screaming, so they must have given him the banana he wanted.","start_word":607,"end_word":810,"sentiment":"neutral","sentiment_score":0.03955769511487554},{"text":"Oh, that's good.","start_word":811,"end_word":813,"sentiment":"positive","sentiment_score":0.362628310918808},{"text":"He just wants to keep out of eating bananas.","start_word":814,"end_word":822,"sentiment":"neutral","sentiment_score":0.1458573192358017},{"text":"Oh, that's really good. I love that.","start_word":823,"end_word":829,"sentiment":"positive","sentiment_score":0.6457884311676025},{"text":"Here we go. Alright. So just double checking. I've got emails here as lisa.andrews11@bigpond.com and Scott Yep. .andrews11@bigatbigpond.com as well. Correct. Yep.","start_word":830,"end_word":851,"sentiment":"neutral","sentiment_score":0.06478607654571533},{"text":"Beautiful.","start_word":852,"end_word":852,"sentiment":"positive","sentiment_score":0.3990049958229065},{"text":"I'm just gonna resend this one again. It's a pretty large document with a few things in it, so I'll press send on that again. Signature request. Yep. That's I the got one. one. Beautiful. So you want me to sign that one? Not yet. So Okay. if you can, press on the button that does say sign once you've Okay. both received it. You should both get an invite to it. Yep. You'll press the button that says to sign it, but it just allows you to go forward so you can review each of the documents there. Okay.","start_word":853,"end_word":952,"sentiment":"neutral","sentiment_score":0.08792382478713989},{"text":"Cool. Beautiful.","start_word":953,"end_word":954,"sentiment":"positive","sentiment_score":0.3628985285758972},{"text":"Now on those documents, there should be either a button that says next or an arrow so you can scroll through those documents. Yep. There Yep. is.","start_word":955,"end_word":981,"sentiment":"neutral","sentiment_score":0.10525096952915192},{"text":"Beautiful. Excellent.","start_word":982,"end_word":983,"sentiment":"positive","sentiment_score":0.5217057466506958},{"text":"So this is the statement of advice, it wouldn't let us shuffle the documents around because technology is having a bit of problem today. So if you sort of go through, it is the sixth document along out of the eight. So if you can just press the next button till you get to the document that says statement of advice there for me. Oh, I must've went too far. Uh-oh. Yeah. How do I go back? That's okay. I only thought I hit 3, but I must've it's taken me to a signing page, and it won't let me out of it Oh, okay. Very with bizarre. an Will external it let you third party authorization. yep. So that one there is the last document. If you go back one document, does it have an arrow or button so you can scroll back at all? Nope. But I might jump out of it and just go back into the document, Yeah. and maybe that'll That's work.","start_word":984,"end_word":1150,"sentiment":"neutral","sentiment_score":-0.05424797041955108},{"text":"that's all good.","start_word":1151,"end_word":1153,"sentiment":"positive","sentiment_score":0.40626978874206543},{"text":"Okay. So we've got page one, two, and go next document. Which one am I looking for? Statement of drawings. The Statement. statement of advice. Yeah. Okay. Next. Oh, it's taking me back to that again.","start_word":1154,"end_word":1189,"sentiment":"neutral","sentiment_score":-0.005788768175989389},{"text":"Oh, that's really bizarre.","start_word":1190,"end_word":1193,"sentiment":"negative","sentiment_score":-0.3696981370449066},{"text":"Okay. Can So when you I see the can you see each of the documents by heading on the side of it at all? no. But No. let me That's okay. press that button. There is I that's okay. I can There's something else that we can do if you it's easier for you, actually. If you go back into my supporting documents email and go down to the attachments, I've actually attached the whole statement of advice in there for you. We can Okay. just open up that one and go through that one to make it easier, and then I can always resend this if it's if the Odoo isn't working properly because it has had a little bit of a bug today. It's been a bit slow and not really doing what I want it to. I can always resend it if you have any problems kinda going through and reading the documents. Yep. Yeah. Cool. I've Otherwise got that hopefully, open. it'll just need a second. It might load for you a bit later on. Yeah. Yeah. Okay.","start_word":1194,"end_word":1375,"sentiment":"neutral","sentiment_score":0.013107247650623322},{"text":"Excellent.","start_word":1376,"end_word":1376,"sentiment":"positive","sentiment_score":0.4715081453323364},{"text":"Yep. So on that one there you've got that one? Yep.","start_word":1377,"end_word":1387,"sentiment":"neutral","sentiment_score":0.12736783921718595},{"text":"Beautiful.","start_word":1388,"end_word":1388,"sentiment":"positive","sentiment_score":0.738776445388794},{"text":"So that one there is a statement of advice prepared for both of yourselves. So Lisa and Scott Andrews on the top there. We do date the document as of today's date for you just so all of our documents are valid for thirty days from the date on the front of the document. On the Yep. very bottom there, it has been prepared for by myself and my lovely team here at Oakview Financial, and my license number is noted on the bottom for you both there as well. Okay? Yep. As we kinda scroll through these next few pages, I will kinda skip a a few sections and skip pages here and there, but I'll let you go back and have a really good read of the document. It's just about making sure that I base on the areas that we need to touch on for you. And Yeah. this is a fairly big document for you both there as well. Okay? Yep. The next phase has the best interest duty. So just outlining there, essentially, that we provide advice under the best interest duty, which is a part of the corporations act. Essentially, we may need to take reasonable steps to make sure we understand your goals, your objectives, and any advice provided does need to be there to meet your goals and within the best interest duty. Yep. The next page is a table of contents, and then the next couple of pages are outlining areas to which we are scoping in and or add advice. So you both had essentially goals with superannuation of reviewing your super, Lisa, and seeing whether moving into hub twenty four and or, you know, linking the account was of benefit to you in helping you to meet your goals. And you both Yep. have a goal of retiring at age 60 and drawing an income from super of around about 6,000 per month. We're looking at a total oh, sorry. That's actually 4,000 per month. My apologies. We're looking at a total of 96,000 per year. So you're looking at essentially drawing a little bit from each super fund over the time. We're working on about 96,000 per year to give you regular income there. Does that still sound appropriate? Yep. Yep. Yep.","start_word":1389,"end_word":1772,"sentiment":"neutral","sentiment_score":0.12573647499084473},{"text":"Beautiful.","start_word":1773,"end_word":1773,"sentiment":"positive","sentiment_score":0.546002984046936},{"text":"We're also scoping in, essentially, looking at your work hours. So one of the things that you wanted us to look at was whether you could drop hours to 50%.","start_word":1774,"end_word":1803,"sentiment":"neutral","sentiment_score":0.04342876747250557},{"text":"That is something that Scott has done and is enjoying it, and you want to do the same thing.","start_word":1804,"end_word":1822,"sentiment":"positive","sentiment_score":0.39098069071769714},{"text":"So we looked Yep. Yeah. at your monthly expenditure of 4,700 as provided and looked at your wages to see whether that would work for you, and I have made that recommendation down here for you as well. Yep.","start_word":1823,"end_word":1861,"sentiment":"neutral","sentiment_score":0.15045805275440216},{"text":"Excellent.","start_word":1862,"end_word":1862,"sentiment":"positive","sentiment_score":0.60838782787323},{"text":"I've also scoped in on the next page their estate planning. So when we are looking at superannuation and insurance, it's just making sure that you do have the estate planning and beneficiary set up in line with your goals there as well. Yep. Okay? On the next page, we've got the insurances. So you both have separate insurance goals, essentially. Alicia, you've got some life and TPD within your rider super account looking at keeping the cover amounts the same, by looking how to use it or how to transfer them or how to keep the same level of cover, but also have it paid out of super whilst looking at other super funds for you as well. You've got Yeah. your employer paid income protection policy, which is a great policy as we kinda went through last time, and you were happy to keep holding that, and you weren't looking at getting any additional trauma cover at the moment. Does that still sound appropriate? Yeah.","start_word":1863,"end_word":2029,"sentiment":"neutral","sentiment_score":0.13365145027637482},{"text":"Beautiful.","start_word":2030,"end_word":2030,"sentiment":"positive","sentiment_score":0.4350859522819519},{"text":"Scott, for yourself, you wanted to look at reviewing your insurances as well. So you have Yep. life and TBD and some income protection. You've dropped your hours to 50% from where they were a few months back. So we were looking at making sure your income protection could be in line with your current income amount and also Yep. looking at whether reducing your life and TPD to 250 or canceling them was more appropriate for you and what that would look like. So I've definitely taken that into account and looked at options for you there as well. Okay. Yep. Excellent. On the next page, we have a limited scope. So these are areas that we have still considered as part of the advice, but that we might be limiting the recommendations around or just focusing or keeping in here because they are related to other areas. The first one is a deferred benefit scheme. So you have that lease.","start_word":2031,"end_word":2192,"sentiment":"neutral","sentiment_score":0.04934656861479635},{"text":"You're happy to keep it as is. In all honesty, it should absolutely stay where it is.","start_word":2193,"end_word":2209,"sentiment":"positive","sentiment_score":0.4572069048881531},{"text":"Yeah. You have you have, essentially, potential consequences for transferring the benefit before 55 and even 60. So we're looking at maybe altering things and changing that down the track, but for the time being, keeping that in place. So I have Yeah. left the recommendation in that to retain that as it is. We have got a full strategy in here to retain that the same as we did last time, but Yep. this is making a note that we are keeping that for the time being.","start_word":2210,"end_word":2297,"sentiment":"neutral","sentiment_score":0.12055493891239166},{"text":"This is something that we can definitely look at down the track and look at what to do with and whether we can consolidate things down the track to, you know, provide a greater benefit to your super as well.","start_word":2298,"end_word":2337,"sentiment":"positive","sentiment_score":0.4095737934112549},{"text":"Okay.","start_word":2338,"end_word":2338,"sentiment":"neutral","sentiment_score":0.2983852028846741},{"text":"Yeah. Excellent.","start_word":2339,"end_word":2340,"sentiment":"positive","sentiment_score":0.4713432788848877},{"text":"On the next page there, Scott, with your superannuation, so we did do advise for yourself a few months back there, and so we did look at your super and make some alterations to your super and the investments within there. Yep. Essentially, I have reviewed that to make sure that it is all working still appropriately for you. Essentially, I'm not making a lot of changes with regard to your super, but we have focused on essentially reviewing that. I'll sort of go through that a little bit with you down the track here, but it's all kind of in line with what we recommended back in March. Okay? Yep.","start_word":2341,"end_word":2451,"sentiment":"neutral","sentiment_score":0.18863694369792935},{"text":"Excellent.","start_word":2452,"end_word":2452,"sentiment":"positive","sentiment_score":0.48756760358810425},{"text":"And then the last part here is the retirement aspect. So you guys are within that sort of ten to twelve years of retirement. So we wanted to limit it scoping to show you with the recommendations that we are making how that does look over the next sort of twelve years based on the research for you. This is Mhmm. obviously projected outcomes. This does need to be reviewed on a regular basis with you, so we will definitely look to do that. But we've got some additional research in the appendices to show you what that Cool. looks like as well. Okay?","start_word":2453,"end_word":2556,"sentiment":"neutral","sentiment_score":0.15548700094223022},{"text":"Excellent.","start_word":2557,"end_word":2557,"sentiment":"positive","sentiment_score":0.427931547164917},{"text":"And then on the next page, areas that we're not focusing on advice with regard to this document. So, Scott, you've got your BHP shares.","start_word":2558,"end_word":2582,"sentiment":"neutral","sentiment_score":0.05738613434135914},{"text":"You are happy to keep those as they are at the moment.","start_word":2583,"end_word":2594,"sentiment":"positive","sentiment_score":0.4800982177257538},{"text":"We're not making any changes to those shares currently. Essentially, we can look at those down the track when and if you are ready to, you know, make any changes or sell or utilize those shares in any way. Yep. The next page outlines the motor home. So you guys are looking to fund and purchase a new motor home. You've got the funds sitting in the offset account at the moment. We're not providing advice around utilizing that. That is something if you wanted additional support on, we could provide advice down the track. Yep. Yep.","start_word":2595,"end_word":2691,"sentiment":"neutral","sentiment_score":0.014497701078653336},{"text":"Excellent.","start_word":2692,"end_word":2692,"sentiment":"positive","sentiment_score":0.5180879831314087},{"text":"And then we've also got the home loan and the CDT provisions there. You put the money aside from the sale of your investment property to keep all your capital gains bill when that comes around. We're not providing any additional advice on that. Currently, you are happy with just keeping that money aside until the bill comes up, and you have to send that money off to lovely ATO there. So this is scoped out of the advice currently, but should you need any additional support, we can look to provide additional advice down the track there for you as well. Okay. Beautiful. Is there any change to any of your goals that we maybe need to note Yeah. down at all? No. No. No. No? Beautiful. Excellent. The next page is the about you section, so the information consolidated from your recent staff funds that we were able to complete. And then the following pages outline all your assets and liabilities as per our last conversation. There could definitely be some changes on this one. There's nothing that really affects the advice as such, but if there are any major changes that you would like us to have reflected in the back end, we absolutely can do so. We have noted the mortgage as your liability there, sitting at the $193,000, just because it is still an open loan facility, but I have noted the offset account there above, and that obviously does cancel that out as well. So it's just noted there because it is still an open facility. Okay. Yeah. Beautiful. The next page outlines your current superannuation balances. So we've got the defined benefit and your Vita Super account there, Lisa.","start_word":2693,"end_word":2978,"sentiment":"neutral","sentiment_score":0.07121758908033371},{"text":"And then underneath that, Scott, we've got your current super balance of $690,370.78 there, which is fantastic. Yep.","start_word":2979,"end_word":2996,"sentiment":"positive","sentiment_score":0.48605144023895264},{"text":"And then the next page outlines your current insurances. So, Lisa, we've got your rider super with your life and TPD cover noted. And then, Scott, we've also, on the next page, got your Zurich policy with your life and TPD and the income protection policy noted there Yep. as well with the current premiums for each. Yep. And that's just yeah.","start_word":2997,"end_word":3058,"sentiment":"neutral","sentiment_score":0.15927870571613312},{"text":"Excellent.","start_word":3059,"end_word":3059,"sentiment":"positive","sentiment_score":0.6475387811660767},{"text":"I think I got an email about that the other day or something. That must be coming through the zero clients. Yeah. Renewal. Yep. Yep.","start_word":3060,"end_word":3084,"sentiment":"neutral","sentiment_score":0.09845826774835588},{"text":"That's all good.","start_word":3085,"end_word":3087,"sentiment":"positive","sentiment_score":0.4048954844474793},{"text":"I'm gonna skip forward a couple of pages there. If I can get you to scroll Yep. down to page number 22 there for me. This is probably the part that you are most keen to look at, Lisa. This is about whether you can reduce your hours or not. Yep.","start_word":3088,"end_word":3138,"sentiment":"neutral","sentiment_score":0.04880857095122337},{"text":"Beautiful. So with this one here, I did go back and have a look at everything. And I know before I went on leave, I did sort of make mention that it was looking really good, and it absolutely is looking really good.","start_word":3139,"end_word":3181,"sentiment":"positive","sentiment_score":0.3766513764858246},{"text":"So Oh, good. with going with going back and having a looking at all sorry. My apologies. With going back and having a look at all, I am recommending that you do reduce your hours. So you cut your hours by 50%. Essentially, with your payslips, you're working about seventy two hours per fortnight. So it would be cutting back to thirty six hours per fortnight. When we look at your wages, your previous income was approximately $18,787.06 per annum, and that provided take home pay on a monthly basis of $11,159.97 per month. Yep. With the proposed reduction, we've kinda gone the math for you, and it works that your monthly take home pay is expected to be $6,108.17. Yep. With Scott having already reduced his hours, his take home pay per month is about $5,804.58 per month. So, essentially, when we add those two together, it's giving you a monthly net income of $11,912.75. Then we subtract Yep. away your monthly expenditure of 4,700 per month, and that leaves you with surplus monthly income of $7,212.75.","start_word":3182,"end_word":3359,"sentiment":"neutral","sentiment_score":0.03341200114803368},{"text":"So this still Cool. works. It allows you to reduce your hours so you can Yep. enjoy your life as well.","start_word":3360,"end_word":3380,"sentiment":"positive","sentiment_score":0.4501116871833801},{"text":"You're still Yeah. bringing home enough between the two of you. It's covering your monthly expenditure and then giving you additional surplus after that's being subtracted out.","start_word":3381,"end_word":3407,"sentiment":"neutral","sentiment_score":0.2031291425228119},{"text":"So this does work for you. So Cool. there you go. Recommending Awesome. that it you do reduce your hours and you enjoy your life. Cool.","start_word":3408,"end_word":3433,"sentiment":"positive","sentiment_score":0.5871184468269348},{"text":"Now I just need to get the boss on board. Yeah. Yeah. You said you were gonna have a chat to him the other I week. have. How did that go? Yeah? Yeah. He's he's on board. I just need to find someone else to do my fifth other 50%, So Yep. that's the Yep. catch. You've gotta find someone. Understandable. Yeah. At So least we're working you get to on have it. con, yeah, at least you get to have a bit of control around that. I think that's one of the the positives about that scenario is that you get to make sure the person can do the other half of your job properly so you're not, you know, working half the hours between twice the amount of work. So Yeah. Exactly. yeah.","start_word":3434,"end_word":3568,"sentiment":"neutral","sentiment_score":0.09029237926006316},{"text":"Excellent. So, look, I'm really happy with that. It works really well. I was really glad that we were able to make this work for you.","start_word":3569,"end_word":3594,"sentiment":"positive","sentiment_score":0.7690210938453674},{"text":"I know it took a little bit longer to do all the numbers and run everything properly, but then it was also about making sure it works for your super as well Yeah. because we don't want you to reduce hours and then find that you're not gonna be on track for what you need with regard to your super debt.","start_word":3595,"end_word":3655,"sentiment":"neutral","sentiment_score":0.14215897023677826},{"text":"So really Exactly. happy with this. The recommendation Cool.","start_word":3656,"end_word":3664,"sentiment":"positive","sentiment_score":0.5058280825614929},{"text":"is there for you to do that.","start_word":3665,"end_word":3671,"sentiment":"neutral","sentiment_score":0.2943284809589386},{"text":"So now once you've got all of that in place, you'll be able to plan your trips away and enjoy, you know, taking a little bit more time for yourself and your family, which essentially was the goal with that one. Yeah. Definitely. Awesome. Excellent. Thank you for that.","start_word":3672,"end_word":3720,"sentiment":"positive","sentiment_score":0.4734703600406647},{"text":"Yeah. No.","start_word":3721,"end_word":3722,"sentiment":"neutral","sentiment_score":0.2614686191082001},{"text":"That's absolutely fine. I really enjoy putting that together.","start_word":3723,"end_word":3731,"sentiment":"positive","sentiment_score":0.5906167030334473},{"text":"My poor admin team, they were just beside themselves, so I did a lot of that research and sort of showed them how to do it. But I Yeah.","start_word":3732,"end_word":3760,"sentiment":"neutral","sentiment_score":0.1580820530653},{"text":"really enjoy things like that. That's really, you know, part of the job that I think is the most valuable is being able to look at, you know, how someone can make their additional goals, not just super insurances, but looking at other areas that's important to them as well. So this was a lot of fun to put together, and I thank you for the opportunity. Yeah. Thank you. It's it's a relief.","start_word":3761,"end_word":3834,"sentiment":"positive","sentiment_score":0.5142303705215454},{"text":"Then It's because in yeah. my head, I'm like, I really, really wanna do it, so I hope it works. Yeah. So Absolutely. No.","start_word":3835,"end_word":3858,"sentiment":"neutral","sentiment_score":0.21671102941036224},{"text":"That's fantastic.","start_word":3859,"end_word":3860,"sentiment":"positive","sentiment_score":0.4177474081516266},{"text":"On the next page, it does kinda break down the cash flow recommendations for you with regard to some of the research. And then it's also outlining advantages, disadvantages, and risks and alternatives that we've looked at for you as well as part of the research. Okay. Yep.","start_word":3861,"end_word":3908,"sentiment":"neutral","sentiment_score":0.10613856464624404},{"text":"Excellent.","start_word":3909,"end_word":3909,"sentiment":"positive","sentiment_score":0.3477783203125},{"text":"Cool. If I can get you to go down to page number 25 there for me as well. Yep.","start_word":3910,"end_word":3928,"sentiment":"neutral","sentiment_score":0.17528070509433746},{"text":"Beautiful.","start_word":3929,"end_word":3929,"sentiment":"positive","sentiment_score":0.3730621337890625},{"text":"So I did go back and look at your previous recommendation with regard to the super side of things. Yep. I had a look at Hub twenty four, which is where Scott Cooper is as well as all the other super funds out there and compared that with Brida. I am still recommending that we do, obviously, move you into Hub twenty four. I'm recommending Yeah. that the behind the things, we will link your two accounts together. So where it's you have two separate super funds, but they're linked together in the back end. So it's called a family fee linking Yep. aggregation. We link everything in the back end.","start_word":3930,"end_word":4040,"sentiment":"neutral","sentiment_score":0.0960237756371498},{"text":"So when you both log in to Hub 24 and see both your super accounts, they'll both be showing there nice and clear. So you can both log in to either account and see them all. It helps to sort of save admin fees in the back end, which is actually really good for you both. When I had Yeah. a look at the family fee aggregation, it actually worked out that by having both of the accounts linked in the back end, as well as giving you greater visibility of the combined superposition that you're in, it was actually going to save you approximately $819 per year on administration fees behind the scenes. So that's a really That's great benefit good. for you both.","start_word":4041,"end_word":4165,"sentiment":"positive","sentiment_score":0.5066344141960144},{"text":"Yeah. Yeah. We're also gonna change your surname with Brighter Super before we do anything because that's probably the biggest thing to start with here. What I'm going to probably need to do, Brighter Super won't accept our the way we do the ID side of things here. So I am gonna have to ask if you can send me an actual copy of your driver's license just so we can provide that to Brighter Super with the change Yep. of name details. And then Yep. we'll also probably need to get a copy of your marriage certificate as well just so we Yep. can kind of confirm. But my admin team will just make sure that they have, let you know everything that they need to be able to get that form completed, signed, and sent off No to worries. Brighter Super there. Okay? And I've got a change of name certificate too, so you'll probably want that as well.","start_word":4166,"end_word":4326,"sentiment":"neutral","sentiment_score":0.018105188384652134},{"text":"Beautiful.","start_word":4327,"end_word":4327,"sentiment":"positive","sentiment_score":0.5642285346984863},{"text":"Yep. Let's just flood them with all the information possible so they can't come back and say they've got any issues. Yep. Yeah. Once we've changed your name on Brighter Super, we'll establish your Hub twenty four Super account. We'll have to do your change of name first. That way, Yes. everything is opened up correctly, Yeah. and then we'll do a partial rollover. We do leave 10,000 behind inside your Brighter sofa initially and complete the rest of the rollover. Yep. Essentially, that is so we can do things in part. So we'll do a partial rollover, leave 10,000 behind, and then we'll sort your insurance transfer out for you as well. And then once Cool. we've completed the strategy, then we close off your Brighter Super. We never close off the Brighter Super until we have the insurance component in place. Otherwise, it it's a risk of leaving you unprotected for a period of time, and we do not want that in any way, shape, or form. Yeah. Yep. Okay? So for the time being, just keep your contributions going into your Brighter Super account.","start_word":4328,"end_word":4514,"sentiment":"neutral","sentiment_score":0.05649411522429736},{"text":"My team will let you know when they're ready for you to transfer those over, just making sure that everything is done in a nice easy manner for you.","start_word":4515,"end_word":4543,"sentiment":"positive","sentiment_score":0.4142400622367859},{"text":"So we essentially do things in steps. And in the back of the document, I've got an outline of all the steps there for you so you can kinda see how that is set out. And my team just basically follow those steps one by one to make sure things are done in a certain order and to make sure you that you're aware of what they're doing and when they're doing it to make it Yep. easier on yourself as well. Okay?","start_word":4544,"end_word":4626,"sentiment":"neutral","sentiment_score":0.2029922604560852},{"text":"Excellent.","start_word":4627,"end_word":4627,"sentiment":"positive","sentiment_score":0.5129652619361877},{"text":"That is the main part of the recommendations there for you with regard Mhmm. to the super. Essentially, the what with the rollover, with the balances there, the full balance will be rolled over, but we'll start with just a partial rollover. So it's about $512,008.47 based on the current reset is rolled over first. We leave 10,000 behind. And then once we've completed the insurance strategy, my team will let you know when they're gonna complete the final rollover, and they'll get you to move your contributions then as well. Okay? Yep.","start_word":4628,"end_word":4720,"sentiment":"neutral","sentiment_score":0.13455036282539368},{"text":"Cool. Excellent.","start_word":4721,"end_word":4722,"sentiment":"positive","sentiment_score":0.3888239860534668},{"text":"I did notice one mistake on page 27. Oh, where? The it says Lisa nominates Andrew as part of your family group, and Andrew nominates Lisa Yeah. instead of Sorry Scott. about that. I That's will get okay. that fixed up. No. No. That's okay. Just what I I pointed will out. no.","start_word":4723,"end_word":4775,"sentiment":"neutral","sentiment_score":-0.035609133541584015},{"text":"Thank you so much for that.","start_word":4776,"end_word":4781,"sentiment":"positive","sentiment_score":0.3948451578617096},{"text":"There's a lot in here, so, yeah, there are There can he be is. little little little things there. I That's will what happens just when get you have two last names, which is that. yes. Yes. Yes. No. That's okay. I will in the DocuSign, the OdooSign one, I'll have that little bit fixed up, and I'll resend that out to you because I think that the OdooSign might be a little bit Yep. a little I've bit got it slow here. and a bit Yeah. might not be working as well. So I'll update that and resend it to you shortly. It won't be a problem. Okay.","start_word":4782,"end_word":4890,"sentiment":"neutral","sentiment_score":-0.009432131424546242},{"text":"No problem. Excellent.","start_word":4891,"end_word":4893,"sentiment":"positive","sentiment_score":0.4565664231777191},{"text":"Underneath that, when you do take some time to read it over again, we've got the advantages, disadvantages, the risks, and any alternatives considered there as well. We do Yep. look at all the other super funds out there and also other industry funds as well, but it did work out more beneficial to have it within Hub twenty four and linking it to Scott's account there as well. Okay. Yep.","start_word":4894,"end_word":4964,"sentiment":"neutral","sentiment_score":0.20795859396457672},{"text":"Fantastic.","start_word":4965,"end_word":4965,"sentiment":"positive","sentiment_score":0.5193521976470947},{"text":"If you can scroll down for me to page number 31. Yep. Yeah.","start_word":4966,"end_word":4978,"sentiment":"neutral","sentiment_score":0.2276405245065689},{"text":"Beautiful.","start_word":4979,"end_word":4979,"sentiment":"positive","sentiment_score":0.5068982839584351},{"text":"So this is essentially showing you the fee comparison table. So with the recommendations there, you've got your current Brighter Super account there. You've got your current investment fees, administration fees, your contributions going in, and then also insurance premiums currently coming out as well. With Yep. the contributions, this is based on the essentially, what what it looks like after you've reduced your sorry. Reduced your hours by 50% so your contributions are less of so than what you can currently what you're currently receiving. Yeah. Sorry about that.","start_word":4980,"end_word":5069,"sentiment":"neutral","sentiment_score":0.16641919314861298},{"text":"My throat's a little bit sore this afternoon.","start_word":5070,"end_word":5077,"sentiment":"negative","sentiment_score":-0.3484155833721161},{"text":"With the implementation fee, we still do charge the implementation fee. As I mentioned last time, it's $4,909,150. That is deducted out of the super account as soon as the funds are rolled from Vita Super into Hub twenty four for you. So Yeah. it comes Yep. out as soon as the funds hit the cash account.","start_word":5078,"end_word":5134,"sentiment":"neutral","sentiment_score":0.021767254918813705},{"text":"That way, we can have the funds invested for you and make your money back nice and quickly.","start_word":5135,"end_word":5152,"sentiment":"positive","sentiment_score":0.6533469557762146},{"text":"It does mean that with the expected rollover, once the funds are in Hub 24, we expect it to be around at the $512,008.47 once everything's been completed. When Yep. we look at the difference in the fee structure, with hub twenty four, it is a little bit higher, and this is also taking into account the fee the fee savings by having everything linked in the back end there. It does increase your administration fees slightly by about $724. However, have 24 in the portfolio that I'm putting you in is actually cheaper in investment fees.","start_word":5153,"end_word":5249,"sentiment":"neutral","sentiment_score":0.16998223960399628},{"text":"It's Okay. saving $1,896 in investment fees, which is a positive to you.","start_word":5250,"end_word":5262,"sentiment":"positive","sentiment_score":0.6654769778251648},{"text":"Yeah. So when we look at the investment fees as well as the administration fees, sorry, overall, you're actually saving money by moving into hub 20 four.","start_word":5263,"end_word":5289,"sentiment":"neutral","sentiment_score":0.2985604405403137},{"text":"And then with the family fee aggregation as well, that'll work for your benefit and provides a greater saving long term.","start_word":5290,"end_word":5310,"sentiment":"positive","sentiment_score":0.4450913965702057},{"text":"And that's one of the things I like to look at is making sure that you're not spending all this money on fees, Cool. that Yeah. there are some benefits that we're lowering fees where possible.","start_word":5311,"end_word":5346,"sentiment":"neutral","sentiment_score":0.20847266912460327},{"text":"Some more money stays invested in your super working harder for you long term as well.","start_word":5347,"end_word":5362,"sentiment":"positive","sentiment_score":0.39158350229263306},{"text":"Okay? Do you have any questions so far at all? No. I'm all good. No?","start_word":5363,"end_word":5377,"sentiment":"neutral","sentiment_score":0.000676688679959625},{"text":"Beautiful. Excellent.","start_word":5378,"end_word":5379,"sentiment":"positive","sentiment_score":0.38030457496643066},{"text":"We've got the ongoing service fee there as well. So, essentially, at the moment, Scott is on 1.65% for the ongoing service fee. We will reduce that with you coming on board. Your ongoing service fee is 1.10%, and we will make Yep. sure that reflects in Scott's Super as well. So that's what you'll both be on for the next twelve months. And then we review that with you every year moving forward and make changes as needed too. Okay? Cool.","start_word":5380,"end_word":5461,"sentiment":"neutral","sentiment_score":0.18218356370925903},{"text":"Cool. Sounds good. Contributions contributions going in at the rate at the dis at the lower rate because you will have dropped your hours and be only working 50% and enjoying your life, which I'm so excited to see what you guys are doing.","start_word":5462,"end_word":5505,"sentiment":"positive","sentiment_score":0.5582647919654846},{"text":"And then I've also made the recommendation to transfer your insurances as I did previously, which essentially does make it the lower premium.","start_word":5506,"end_word":5528,"sentiment":"neutral","sentiment_score":0.2645435929298401},{"text":"So it's also saving money on insurances. I'm expecting to save you about a $147 a year, which is really important again. So less money going out of your super for insurance premiums also provides a greater benefit to you.","start_word":5529,"end_word":5568,"sentiment":"positive","sentiment_score":0.5846447348594666},{"text":"Okay?","start_word":5569,"end_word":5569,"sentiment":"neutral","sentiment_score":0.28672468662261963},{"text":"Oh. Beautiful. With your current super fund within Brighter there, we've got the balanced growth portfolio.","start_word":5570,"end_word":5585,"sentiment":"positive","sentiment_score":0.3612423539161682},{"text":"This is where you're sort of invested currently. When we look at how this has been performing over the past five years, it's averaged about 6.85%. Definitely Yep. not a bad return, but it's not what we wanna see.","start_word":5586,"end_word":5624,"sentiment":"neutral","sentiment_score":0.230982705950737},{"text":"We wanna get the best we possibly can. With the growth portfolio that I'm putting you into, it's averaged about 10.44%, so definitely a much greater return.","start_word":5625,"end_word":5651,"sentiment":"positive","sentiment_score":0.36168017983436584},{"text":"Yeah. And if you look below that, you've got the projection table that shows over the next five, ten, and twelve years, if the portfolio can average what it has over the past five years, this is where it could actually see you ending up. And this is just in hub 24, so this is not including your deferred benefit amount. So that could obviously Yeah. if we are able to roll that in at around about age 55 or 60, whichever feels more appropriate, which when we will do the advice, we'll look at that. That could Yeah. add on top of that and provide you with a much bigger benefit down the track as well. Cool. Yeah. Do you have any questions so far at all? Not all good. No? Beautiful. Excellent. The next page does outline the difference in the average returns that each of the different portfolios have received there for you as well. Okay. Yep. Beautiful. Now the next page outlines the investments that we're gonna invest you in. This is a bit different. So I went back and reviewed my recommendation last time because last Mhmm. time we had recommended our SMA product to you. That Yep. well, has been performing really well. This portfolio has actually been performing much better, and it's Okay. also actually a lot cheaper. And that's one thing I wanted to look at was how to have the funds invested in a portfolio, but limiting Yeah. the amount of investment fees that you have to pay as well. Okay?","start_word":5652,"end_word":5911,"sentiment":"neutral","sentiment_score":0.12678810578699296},{"text":"Cool. Beautiful.","start_word":5912,"end_word":5913,"sentiment":"positive","sentiment_score":0.6761095523834229},{"text":"So, essentially, with the top of this one here, your deferred benefit stays exactly as it is with the current balance there. With the brighter super, we'll take out all the full balance there and have that invested into hub twenty four as per the below portfolio. This might look a Yep. little bit similar to Scott's because it basically is the very same portfolio. Okay. It's the growth portfolio. So you'll see about 5% invested in cybersecurity, 8% in the Europe investment. This is giving you access and exposure to all 16 European countries. We're also looking at 5% in Japan.","start_word":5914,"end_word":6015,"sentiment":"neutral","sentiment_score":0.16885192692279816},{"text":"Japan is still a really good place to be invested, has seen a lot of growth. And when we look at how things have gone this year, Japan was really well prepared for their for their members and with the fuel and everything as well. So it is still a really good place to be invested in Japan there.","start_word":6016,"end_word":6074,"sentiment":"positive","sentiment_score":0.5439045429229736},{"text":"Cool. Sorry. The other one there is the Vanguard All World ex US. Now this is giving you exposure to the entire globe minus The US market. One of the biggest things we look at with risk mitigation is making sure to diversify the portfolios. This investment gives you access and exposure to the entire globe minus The US Of A.","start_word":6075,"end_word":6135,"sentiment":"neutral","sentiment_score":0.08757077157497406},{"text":"We see 8% invested in here, and it's a really good investment. Has actually seen some very good growth over the past few months there as well.","start_word":6136,"end_word":6162,"sentiment":"positive","sentiment_score":0.4406254291534424},{"text":"Okay. Because that investment doesn't have The US, we wanna make sure you do have some US exposure. So we're looking at the S and P 500. This is essentially just tracking the S and P 500 index. The S and P 500 index can encompass anywhere from the top 500 to the top 520 different companies. Because it tracks the indices, essentially, every quarter, the investment committee of the indices do meet, and they talk about which companies are qualified to remain in the S and P 500. If a company no longer qualifies, they are removed from that indices, which means that they are removed from every investment that is following the indices. So this essentially shows that you are always tracking the top 500 companies on The US.","start_word":6163,"end_word":6293,"sentiment":"neutral","sentiment_score":0.03895272687077522},{"text":"Over the longer term, we do see really great returns in The US market.","start_word":6294,"end_word":6307,"sentiment":"positive","sentiment_score":0.4291854500770569},{"text":"Australia tends to follow suit with what The US is doing, so we see 30% invested in here for you. We do see volatility Yep.","start_word":6308,"end_word":6332,"sentiment":"neutral","sentiment_score":0.2607358694076538},{"text":"in the shorter term, but long term, we do get great results out of them. Out of them. Cool.","start_word":6333,"end_word":6351,"sentiment":"positive","sentiment_score":0.5745363831520081},{"text":"Underneath that, you've got the BetaShares a 200. This is giving you access and exposure to the top 200 companies on the ASX. Let's say 20% invested here for Australian equities. Essentially, this is these companies, again, very much like the S and P 500. They are it is on the top 200 companies. So we are looking at an index here. Essentially, with the companies within the indices, if they don't meet the criteria to be in the top 200, they are removed out.","start_word":6352,"end_word":6436,"sentiment":"neutral","sentiment_score":0.20848901569843292},{"text":"So, essentially, you are always tracking the top 200 companies on the ASX, which is a positive thing.","start_word":6437,"end_word":6454,"sentiment":"positive","sentiment_score":0.6374814510345459},{"text":"In Australia, whilst we don't tend to get the a lot of returns the same as The US or overseas or international markets do, we do still see really good growth, and our market tends to follow suit with The US as well.","start_word":6455,"end_word":6497,"sentiment":"neutral","sentiment_score":0.3060341775417328},{"text":"So it is still really good to have a little bit of glow a little bit of local investment within the ASX market also.","start_word":6498,"end_word":6521,"sentiment":"positive","sentiment_score":0.5149648189544678},{"text":"Okay? Yep. Underneath that, you've got the global physical gold. This is giving you exposure to glow to physical gold. This is held in a a vault in The UK, believe Mhmm. it or not, but it is giving you access to actual physical gold, which is great. Physical gold is a growth investment.","start_word":6522,"end_word":6575,"sentiment":"neutral","sentiment_score":0.182589128613472},{"text":"It does save really good returns longer term.","start_word":6576,"end_word":6583,"sentiment":"positive","sentiment_score":0.41471025347709656},{"text":"It doesn't pay any income. So this focus solely around growth. So we are looking at holding only 10% of this because we also want these portfolios to generate income for you. We wanna see Yes. a combination of growth as well as income.","start_word":6584,"end_word":6627,"sentiment":"neutral","sentiment_score":0.1831129938364029},{"text":"Income is great for compounding because with growth, you have to sell the investment to cement the growth.","start_word":6628,"end_word":6645,"sentiment":"positive","sentiment_score":0.37943679094314575},{"text":"With income, it's paid to your cash account, and that is reinvested back into your portfolio for compounding.","start_word":6646,"end_word":6663,"sentiment":"neutral","sentiment_score":0.31885743141174316},{"text":"So having Yep. some physical gold in there, getting some additional growth there, holding about 10% is great.","start_word":6664,"end_word":6681,"sentiment":"positive","sentiment_score":0.522506058216095},{"text":"The other thing we all tend to like about physical gold is that it is a bit of a safe haven. So we see a lot of growth there, but when equities don't perform so well, people tend to move money into into gold as a bit of a safe haven.","start_word":6682,"end_word":6732,"sentiment":"neutral","sentiment_score":0.25471261143684387},{"text":"So it can act defensively when it needs to as well, which is great.","start_word":6733,"end_word":6746,"sentiment":"positive","sentiment_score":0.4854761064052582},{"text":"Yep. And then because even that growth portfolio, which as we kinda went through last time has the eighty twenty split between growth and defensive investments, we also want some lower risk defensive investments. So we're looking at core composite bonds. So this is giving you access and exposure to government as well as corporate bonds. Bonds are very similar Mhmm. to term deposits, pay income payments on a regular basis, and they are reinvested back into your portfolio for compounding. 10 normally, bonds like term deposits and other fixed interest investments, When equities aren't performing so well, these investments do tend to provide good growth as well. So Okay. it's a bit of a combination of both.","start_word":6747,"end_word":6864,"sentiment":"neutral","sentiment_score":0.1406177580356598},{"text":"These are seen as lower risk, and it's good to have a bit of a mix in there for you.","start_word":6865,"end_word":6884,"sentiment":"positive","sentiment_score":0.429726243019104},{"text":"So this is essentially where you would see your funds invested after moving out of the Brighter Super. I try to give you a bit of an insight into those without going too crazy deep because not everyone's really that interested. But did you Yep. have any other questions about those investments? Did you want me to go a bit deeper on anything for you? Not all good. All good my end? Yeah.","start_word":6885,"end_word":6957,"sentiment":"neutral","sentiment_score":0.07421096414327621},{"text":"They're Beautiful. performing Excellent.","start_word":6958,"end_word":6961,"sentiment":"positive","sentiment_score":0.3976752758026123},{"text":"well. Do you have any questions for any of those at all, Scott? No. No. They're pretty much the same as mine anyway, aren't they? So They they're exactly all are. Yeah. yes. Yes. Yeah. Excellent. On the next page, you'll see there the cash account. So we do need to hold 1.25% cash there. That essentially means it will hold $6,410.59 in cash. Okay.","start_word":6962,"end_word":7026,"sentiment":"neutral","sentiment_score":0.05737169459462166},{"text":"Beautiful.","start_word":7027,"end_word":7027,"sentiment":"positive","sentiment_score":0.46970316767692566},{"text":"With the next one, if you go down the page number 36 there for me, this is just about retaining your deferred benefit with QSuper. Yeah. Essentially, there's no changes here.","start_word":7028,"end_word":7058,"sentiment":"neutral","sentiment_score":0.1854862440978327},{"text":"This is a great product. The funds are sitting in here. They just grow along with, you know, the the average wage option. They Yeah. just grow along with the internal indexation growth rate, which is fantastic, and it's kind of having a little bit of a safe net in the back end for Yep. you as well.","start_word":7059,"end_word":7116,"sentiment":"positive","sentiment_score":0.5289095640182495},{"text":"So keeping this there down the track, would we'll have a look at it again around the age 55 to sort of see, you know, how it's tracking and whether there is any is it whether it is worth changing. Because of Yes. the different taxation rules within this product, it is generally better to wait till age 60 to be able to move it around, but we'll look at it at age 55 as well as 60 to sort of work out when it is a more suitable time to do so for you, what that looks like for you, and when it provides a greater benefit to do so.","start_word":7117,"end_word":7227,"sentiment":"neutral","sentiment_score":0.08006308227777481},{"text":"And I'm looking forward to this. I really enjoy these products. They are fantastic. I actually asked my boss to set, like, a defined benefit.","start_word":7228,"end_word":7252,"sentiment":"positive","sentiment_score":0.5435437560081482},{"text":"I asked him, like, no.","start_word":7253,"end_word":7257,"sentiment":"neutral","sentiment_score":0.22052516043186188},{"text":"So they are a really, really good in, super product.","start_word":7258,"end_word":7267,"sentiment":"positive","sentiment_score":0.4481230080127716},{"text":"So we'll keep that there as long as we can. I do Yep. and have outlined why that is in your best interest as well as any advantages, disadvantages, risks involved, and any alternatives that we have considered as part of the research for you for this one as well. Okay? Yep. Beautiful. The next page on page number 40, this is essentially looking at the insurance side of things for you. Yep. Beautiful. So the same as last time, I am recommending that you just retain the level of coverage you have within Brighter Super Bowl, but we transfer it to hub twenty four. We did Yep. do the questions last time to confirm eligibility. Yeah. It is cheaper to hold the the same insurance cover within hub twenty four. It saves you a bit of money, which is really important to note. The other side of that, as we kinda went through last time, is your employer is currently paying for your insurances within Brighter Super. So it does mean that you'll lose out on that little bit of extra money that's being paid for the insurances. These insurances will then be paid out of your super fund, but they are also cheaper. So when we look at Yeah.","start_word":7268,"end_word":7478,"sentiment":"neutral","sentiment_score":0.12085826108805942},{"text":"the difference between the two, it was actually providing you a greater benefit to transfer the cover to hub twenty four, pay the premiums out of your super, and have everything invested correctly. Long term, it provided a much greater benefit there for you, and it's still keeping Yep. the same level of cover there.","start_word":7479,"end_word":7533,"sentiment":"positive","sentiment_score":0.4787384271621704},{"text":"Okay?","start_word":7534,"end_word":7534,"sentiment":"neutral","sentiment_score":0.22831478714942932},{"text":"Yep. Excellent.","start_word":7535,"end_word":7536,"sentiment":"positive","sentiment_score":0.4801660478115082},{"text":"Underneath that, I've got the best interest duties for outlining how this meets your goal and what's in your best interest to do so. And we've also got the advantages, disadvantages, and the risks involved there for you. Yes.","start_word":7537,"end_word":7575,"sentiment":"neutral","sentiment_score":0.20627085864543915},{"text":"Beautiful.","start_word":7576,"end_word":7576,"sentiment":"positive","sentiment_score":0.4155341982841492},{"text":"Sorry. On page 42 as well, we do also have a little table, and that just shows you your current recommended. But it also shows you if you weren't paying for any insurances out of your super, essentially, the impact over the next five to twelve years there, you will see Yep. when you look at this twelve year impact, it is only very minimal. So these insurances aren't having as huge an effect on you or or on your super long term, but it is important to note that they are there to provide you with a little bit of cover. And if you were to claim Yeah.","start_word":7577,"end_word":7685,"sentiment":"neutral","sentiment_score":0.1474025845527649},{"text":"on them, a 106,000, you know, could definitely provide you with a little bit of extra benefit there as well.","start_word":7686,"end_word":7705,"sentiment":"positive","sentiment_score":0.3727553784847259},{"text":"Yeah.","start_word":7706,"end_word":7706,"sentiment":"neutral","sentiment_score":0.22460344433784485},{"text":"Beautiful.","start_word":7707,"end_word":7707,"sentiment":"positive","sentiment_score":0.3702811598777771},{"text":"Sorry. On page number 45, we've got down with your income protection policy. So you do have your income protection policy through your employer.","start_word":7708,"end_word":7731,"sentiment":"neutral","sentiment_score":0.10790491849184036},{"text":"That is a Yep. beautiful policy. I've got all the same information there from the last time there.","start_word":7732,"end_word":7749,"sentiment":"positive","sentiment_score":0.3836418688297272},{"text":"I reread sorry. Sorry. Rereread their, PDF disclosure statements as well.","start_word":7750,"end_word":7760,"sentiment":"neutral","sentiment_score":0.12600770592689514},{"text":"This is fantastic. So keeping this basically means that you've got that income protection cover there Yep.","start_word":7761,"end_word":7777,"sentiment":"positive","sentiment_score":0.4401497542858124},{"text":"without having to pay the premiums.","start_word":7778,"end_word":7783,"sentiment":"neutral","sentiment_score":0.31143540143966675},{"text":"And, honestly, the best type of insurances you can have is cover you don't have to pay for.","start_word":7784,"end_word":7801,"sentiment":"positive","sentiment_score":0.4095616340637207},{"text":"So Exactly. retaining this income protection policy is only a benefit to you, and it means that you don't have to provide any get any other income protection. And one of the biggest things is that when you do apply for income protection, because it's the first thing we claim on, it is the most expensive type of insurances to hold.","start_word":7802,"end_word":7862,"sentiment":"neutral","sentiment_score":0.12904514897553648},{"text":"So having Yep. this here, does provide you with a good benefit. They essentially have that forty five day waiting period. They cover up to a 100% of your income for the first thirteen weeks and then reduces to 85% for the remaining ninety one weeks. So it is really good.","start_word":7863,"end_word":7913,"sentiment":"positive","sentiment_score":0.48904702067375183},{"text":"The only sort of downside is the older you get, the less the benefit period is. So when you're under, you know, sort of seventy seventy years of age, they cover a hundred and four weeks. When you get to 70 or 75, it drops to fifty two weeks. And when you're over 75 years of all age, they only cover you for thirteen weeks.","start_word":7914,"end_word":7978,"sentiment":"neutral","sentiment_score":-0.21581055223941803},{"text":"So that's probably the real disadvantage of this product.","start_word":7979,"end_word":7987,"sentiment":"negative","sentiment_score":-0.4343724250793457},{"text":"But you're well Yep. and truly under 70. So a hundred and four weeks of income protection, and starting thirteen weeks of a 100% of your income is absolutely unheard of because, Yeah. as of currently, income protection products only cover up to 70% of your income, so this is a really good product to keep for you.","start_word":7988,"end_word":8045,"sentiment":"neutral","sentiment_score":0.043591391295194626},{"text":"Cool. Excellent.","start_word":8046,"end_word":8047,"sentiment":"positive","sentiment_score":0.35698118805885315},{"text":"The next sorry. The next page down is going to be for Scott. If you can go to page number 49 for me. Thank you. Yep. It's called strategy recommendations. Yeah. This is you. I promise I haven't forgotten you. All good. So with this one here, as I kinda went through with you, Scott, we did provide advice in March, and that was to alter your superannuation portfolio. I've gone back Yep. and reviewed all of that with you.","start_word":8048,"end_word":8127,"sentiment":"neutral","sentiment_score":0.11706952005624773},{"text":"It is working really well at the moment.","start_word":8128,"end_word":8135,"sentiment":"positive","sentiment_score":0.5839555859565735},{"text":"There's no real need to change your portfolio within hub twenty four currently. So I'm recommending you retain the super fund and also the portfolio as it is. Yep. But we are gonna in the back end, the same as with Lisa, we'll set up the family fee aggregation for you. That way, it is all linked in the back end. And and, again, Yeah.","start_word":8136,"end_word":8200,"sentiment":"neutral","sentiment_score":0.16683037601984463},{"text":"we sort of worked out it's a bit over $819 that we can work out that you do save combined on administration fees. That's a really good saving for you both. Okay. Yep. Beautiful.","start_word":8201,"end_word":8234,"sentiment":"positive","sentiment_score":0.4844392538070678},{"text":"We on the next page down on the sorry. Page 50, this is where we looked at the insurance side of things for you. So one of the things that we did look at was whether you should reduce your life and TPD to 250,000 or down Yep. to zero and basically cancel them out. You currently have about 551,250 of life and TPD paid within super, and you're Yep. it's costing about $1,597 currently. What Yep. I am recommending is that we don't cancel it completely. I'm just recommending you reduce it back to 250,000. The main Yep. reason that I've done this is that whilst your your home loan is basically paid off, your offset account covers the balance that you have. However, you do also have your CGT bill and you wanna buy your caravan. Yep. And as much as that you know, it's still only a very small amount. If you were to pass away, that extra 250,000 plus your super balance paid to Lisa would allow her, if she needed to, to stop working completely, you know, take care of the family. Other Yep. family members come in. Funerals are expensive. There's lots of things to work out, but then it would allow her time to grieve and stop working completely if that's what she wanted to do as well. So having Yep. that little bit of extra cover was really important. The other thing that kinda came to me when I was looking at this was what happens if you're TPD without having this even smaller of total permanent disability?","start_word":8235,"end_word":8500,"sentiment":"neutral","sentiment_score":-0.0732802301645279},{"text":"If you were never able to go back to work again due to permanent incapacity, and Lisa Yep.","start_word":8501,"end_word":8518,"sentiment":"negative","sentiment_score":-0.34157028794288635},{"text":"had dropped to 5050% of her hours, without having this kind of buffer, she may have to while her income still covers your regular expenditure, it does Yep.","start_word":8519,"end_word":8546,"sentiment":"neutral","sentiment_score":-0.3011827766895294},{"text":"add a little bit of extra pressure to her.","start_word":8547,"end_word":8555,"sentiment":"negative","sentiment_score":-0.3884994387626648},{"text":"She may have to then increase hours and go back to full time work, which is, again, adds Yep. additional pressure. The other reason people have TBD cover is to replace vehicles, to add home modifications for ongoing support, care, and sometimes rehabilitation costs are involved as well. So, I sort of looked at everything, weighed up the risks, and looked at all the different outcomes there and decided that you keeping that two hundred and fifty thousand of TBD and life was appropriate.","start_word":8556,"end_word":8639,"sentiment":"neutral","sentiment_score":-0.022197643294930455},{"text":"We're Yep. reducing it basically by half. So it does reduce the cost of the premium, which is important because that then allows more money to stay inside your super long term.","start_word":8640,"end_word":8671,"sentiment":"positive","sentiment_score":0.4981451630592346},{"text":"But dropping it down in increments means that we're not making a huge drastic change. So giving you a little bit of cover is better than having none currently. And when you think about the risks involved with even just your job, you know, TBD is probably a big thing to consider. You're more likely to have, you know, an accident or something happen where you're fully disabled or maybe not able to go back to work rather than the the life event, but Yep. having that little bit of extra cover is really important. The other side of it is this cover is sort of set in place with no major loadings or exclusions there. So if, you know, we were to cancel that completely and then you decided at a later time you wanted to reinstate the cover, we have to go back to an application. And that essentially Yep. means that if your health has changed, there could be loading exclusions that could be more expensive as well. So it Yep. does work out better to drop it down in increments, keep that level of cover as a buffer because there is still a risk of something happening to you, and making Yes. sure that if something did happen, that the pressure isn't left all on Lisa to kind of work full time, cover the bills, and or any additional expenses that come up there. So that's the reason I've made that recommendation and suggested we do keep that 250,000 of life and TV. Does that make Yep. sense? Yep. Yep. That sounds fine. Do Yeah. you We'll have save any questions then? it. So no. Yeah. No.","start_word":8672,"end_word":8952,"sentiment":"neutral","sentiment_score":0.042824264615774155},{"text":"So there's a saving there, so that's good. Absolutely.","start_word":8953,"end_word":8961,"sentiment":"positive","sentiment_score":0.7358269691467285},{"text":"On the next page down is the income protection component. So because you have reduced your hours with income Yep. protection policies, you can cover up to 70% of your income there. Your income protection was based on your higher income, so you were a bit over insured there. And as I kinda Yep. mentioned, income protection is the first thing we claim on, so it is much it is the highest part of our insurance cost, essentially. Yep. You were paying a bit over $3,000 for your income protection policy. I've kept the waiting and benefit periods the same as a user to say you're comfortable with those, but I have recommended that you do reduce your income protection monthly benefit back so that it sits at 70% of your current income amount. That way, Yes. you're not over insured. One of the biggest things that we do have is when we're over insured, we're paying for insurances we can't actually claim on, and that just doesn't seem to make any sense at all. So reducing that back saves you a bit more of a premium and keeps your income protection policy in line with 70% of your current income amount. Does that make sense? Yep. Yep.","start_word":8962,"end_word":9169,"sentiment":"neutral","sentiment_score":0.05942405015230179},{"text":"Beautiful.","start_word":9170,"end_word":9170,"sentiment":"positive","sentiment_score":0.5742322206497192},{"text":"On the next page, I've outlined the best interest duty there for you. Just noting basically what I have gone through there, just outlining why Yep. this remains in your best interest. And then I've also got the advantages, disadvantages, and the risks involved there. On Yep. page number 53, we've also got, the outcome projection table, essentially. So having a look at your current and recommended, this sort of shows you your current your current super balance with all the fees coming out currently and your Yep. current insurance premiums and the impact over the next five to ten years there. The recommended does the same with the reduction.","start_word":9171,"end_word":9280,"sentiment":"neutral","sentiment_score":0.1198962926864624},{"text":"So it'll essentially reduce your insurance premiums from over $4,600 to 2,232, which is a great saving up front.","start_word":9281,"end_word":9299,"sentiment":"positive","sentiment_score":0.5040393471717834},{"text":"Yep. And then it projects it over the next five to ten years to where your super balance should end up based on the changes and the recommendations. And it also shows you the impact if you were not paying for any insurances out of your super. We just sort of like to let you know that it does have an impact on your retirement because we are paying these out of our super fund. But Yep.","start_word":9300,"end_word":9376,"sentiment":"neutral","sentiment_score":0.1725477562709288},{"text":"you can see by reducing that down, the impact is definitely lesser. It's also saving you a bit of money, keeping it, you know, invested for a much bigger compounding effect down the track there, which is great. Yep. Beautiful.","start_word":9377,"end_word":9416,"sentiment":"positive","sentiment_score":0.6300684213638306},{"text":"Do you have any questions at all so far? No. That's good so far.","start_word":9417,"end_word":9430,"sentiment":"neutral","sentiment_score":0.2152098119258881},{"text":"Beautiful. Excellent.","start_word":9431,"end_word":9432,"sentiment":"positive","sentiment_score":0.6514726877212524},{"text":"I've also outlined the advantages, disadvantages, the risks, and any alternatives there, so you are welcome to run your eyes over those. Yep. On page number 55, we do have the beneficiary side of things. Yep.","start_word":9433,"end_word":9468,"sentiment":"neutral","sentiment_score":0.23742073774337769},{"text":"Beautiful.","start_word":9469,"end_word":9469,"sentiment":"positive","sentiment_score":0.44351619482040405},{"text":"So, essentially, what we're recommending with the beneficiary is that you nominate each other. You'll see a little bit of a table on page 56 there. Yep. It's essentially making sure that, Lisa, you've nominated a 100% to Scott through your q super deferred benefit and also your hub twenty four super account. And, Scott, we have got your beneficiary on file updated for Lisa on your super. I've Yep. been waiting for Zurich to come back and confirm that it's on file for them as well. So I'm just gonna update the Zurich beneficiary to make sure that that is a 100% set up, that there's no issues with that to protect you guys in the event that anything occurs. Yep. The last thing we sort of want is for something to happen and then for the claims process to take longer and also and be a bit of a pain to your family members. So just making sure your Zurich life insurance policy is reflective and just making sure that leases have 24 super and q super do nominate yourself as well. So in the event that anything was to happen, and I want nothing to happen, that your beneficiaries can be paid to each other nice and comfortably. Okay? Oh.","start_word":9470,"end_word":9682,"sentiment":"neutral","sentiment_score":0.18546131253242493},{"text":"Beautiful.","start_word":9683,"end_word":9683,"sentiment":"positive","sentiment_score":0.3717370927333832},{"text":"The only other thing in there is essentially looking at wills and powers of attorney. So just making sure that you do look at speaking to a solicitor, having a will and power of attorney drawn up. Those are also We have really both. important.","start_word":9684,"end_word":9728,"sentiment":"neutral","sentiment_score":0.03392672042051951},{"text":"We have Beautiful. a will and a power of attorney. Excellent. I also like them to be reviewed on a regular basis.","start_word":9729,"end_word":9750,"sentiment":"positive","sentiment_score":0.4704032838344574},{"text":"Generally speaking, every sort of three to five years, just reviewing them, even between yourselves or speaking to a solicitor, Yep. just making sure that everything is correct and updated. One of the biggest things that I do find is how does people not having them at all is that they've been done twenty odd years ago. So just making sure every couple of years, you guys review them, talk about them, even have a solicitor review them to make sure they're appropriate for you both as well. Okay? Yep.","start_word":9751,"end_word":9840,"sentiment":"neutral","sentiment_score":0.06250607967376709},{"text":"Ours is current and all good. It's goes Love to that.","start_word":9841,"end_word":9851,"sentiment":"positive","sentiment_score":0.4195055365562439},{"text":"each other or our daughter if we're both not here. So and we only have one Beautiful.","start_word":9852,"end_word":9868,"sentiment":"neutral","sentiment_score":0.1953278481960297},{"text":"child, so it makes it easy.","start_word":9869,"end_word":9874,"sentiment":"positive","sentiment_score":0.4250696301460266},{"text":"Oh, that's easy, isn't it?","start_word":9875,"end_word":9879,"sentiment":"neutral","sentiment_score":0.22852399945259097},{"text":"Beautiful.","start_word":9880,"end_word":9880,"sentiment":"positive","sentiment_score":0.4676766395568848},{"text":"And then as I kinda mentioned at the start, I did look at the projected outcome for your super there as well. So Yep. on page number 62, I have got a little projected outcome that shows you based on the annual income of 96,000 for your both, which is your goal, to be just deducted essentially equally from each of your super accounts there. Yep. This does sort of meet your goal. It does show that you can essentially draw. This has got a figure about 107,000 per year between both of your super accounts there from your Yep. retirement age, and the super is expected to last anywhere up to about 98, ninety nine years of age. This is just taking into account your hub twenty four super accounts and not taking into account the defined benefit aspect of Yep. it. We can't because they won't give us the growth rates behind the scenes there. That is all kept very well under wraps, Yeah. and it is determined each year within the q super deferred benefit product as well. So, Yeah. obviously, having that in there does provide a greater effect for you, and we wanna Mhmm. review things on a regular basis to make sure we keep you on track. Because we're projected forward and both of you have great balances and are projected to have great balances, it also does mean, unfortunately, you're probably not gonna be eligible for Centrelink. However, down the track, I do wanna look at, you know, where we end up closer to retirement at age 67, you know, what your balances look like, whether we can maybe look at getting some Centrelink for you as well to sort of supplement some of the super to provide even further a benefit for you. The other side of Centrelink is it's not always just the amount that you receive from them. It's also the health care card, which provides greater benefits and cheaper medications and health care and things like that. So if there's a chance that we can look at that down the track and shelters shelter money, we can look at annuities, then we'll definitely look at doing that to provide greater benefit there. But with you reducing your hours and with the change in income, I did look at salary sacrificing. However, it doesn't look like we need to currently. We'll keep reviewing it. If we find we need you down the track, we'll definitely start. But right Yep.","start_word":9881,"end_word":10299,"sentiment":"neutral","sentiment_score":0.1158448152937582},{"text":"now, this shows that you're on track to meet your goals that you guys are after. So that's Cool. essentially where we're at with that. Awesome. Perfect.","start_word":10300,"end_word":10326,"sentiment":"positive","sentiment_score":0.4909166991710663},{"text":"Do either of you have any questions? You're welcome to let me know if No. you do. I no. We're No. all good. Beautiful. I would do just wanna update a couple of small things and other things that we noted. I Yeah. will do that, and I'll resend the audio sign. I'm going to stop that audio sign that came through and resend it because it it's just coming up with a bit of an error on my end of things, North Carolina. and I think because I've attached so many documents to it. So I'm just gonna cancel that one, redo the document. I'll update that little section in there as well that has Andrew Scott. Sorry about that. They probably Okay. got a That's bit confused okay. with your surname. And I'll just go back and resend that to you shortly. In this email as well, I've also got the appendices for you. And in there, at once, a lot of the research that we have completed. So it's got the research around your income estimates with Yep. reducing your hours versus your current. It's also got all of the links to the PDFs for all the investments if you're interested and wanna have a bit of a look through those. It's also got some like for like comparisons, and it does also have an updated probably a little bit more of a dollar side projection table with withdrawing funds out of your super as well. So it just sort of shows you a little bit more of a dollar, you know, stick on how long that's expected to last based on our current research there. And Yep. this all just needs to be continuously updated and reviewed. I do reviews with all of my clients every three or six months depending on what they would prefer. I think, Scott, you wanted six months last time. Is that still fairly accurate? Yep. That's that's still fine. Yeah.","start_word":10327,"end_word":10656,"sentiment":"neutral","sentiment_score":0.04172430813989856},{"text":"Beautiful.","start_word":10657,"end_word":10657,"sentiment":"positive","sentiment_score":0.4303097128868103},{"text":"Yep. Lisa, you're happy with six months as well, or Yeah. did you want That something works a little for me. bit more?","start_word":10658,"end_word":10680,"sentiment":"neutral","sentiment_score":0.1534145325422287},{"text":"Beautiful. Excellent. Fantastic.","start_word":10681,"end_word":10683,"sentiment":"positive","sentiment_score":0.5268298387527466},{"text":"You'll also note in the back of the document there, the ongoing service fee is 1.10% for both of you. So, Lisa, once you sign the document, once you come on board and we finish your implementation, then we change Scott's 1.10% in the background for him as well. There's Yes. no implementation fees for your side of things, Scott, because you're already a client. And, Lisa, Yep. I've got your $495.00 on there for you as a flat fee. Yep. And then with the insurance aspect, so I'm just really honest and just making sure you're aware that with your insurance later, there'll be no remuneration made to us. That's all. Mhmm. Just a transfer of group cover. But, Scott, you we do receive 22% ongoing of your Zurich premiums as well, and that's estimated to be $491 per year. So Yep. this is really important that you're aware that the advice provided isn't about the fees for me. It's about making sure we're meeting your goals.","start_word":10684,"end_word":10851,"sentiment":"neutral","sentiment_score":0.136755450318257},{"text":"And I have honestly thoroughly loved putting this together for you both, and I just can't thank you enough for the opportunity. It's been fantastic. I've really enjoyed it.","start_word":10852,"end_word":10880,"sentiment":"positive","sentiment_score":0.6176584959030151},{"text":"Oh, thank you. Oh, not a problem at all. If you did want to, on page number 70 sorry. It is a really long document. Yep. I have set out how we would implement this advice piece for you. So you're welcome to run your eyes over that, have a look at essentially what we'll do for you in the different stages so you can, you know, see where or how the implementation would work for you both. Yep. Awesome. Yep.","start_word":10881,"end_word":10961,"sentiment":"neutral","sentiment_score":0.10031110048294067},{"text":"Beautiful. Excellent.","start_word":10962,"end_word":10963,"sentiment":"positive","sentiment_score":0.4477553963661194},{"text":"Is there any questions that have come up in relation to any of that or anything that you maybe wanted to change or any anything at all? No. No. No. We're all good. So we can go to dinner and then sign that document when it comes Oh, through you after that. absolutely Yep. can. Yeah. And Yeah. have a Perfect. read. Yep. So because it's so big, it wouldn't let me attach the all the supporting documents, and then it was having a little bit of a bit trying to send out. So I think I've just tried to attach too much to it. I've made technology work too hard. So I'll Yeah. just go back, and I'll void that one, and I'll resend it out to you shortly so it's all nice and clear Oh, and easy for you. Okay? no worries. Someone will sign it straight away and send it back.","start_word":10964,"end_word":11117,"sentiment":"neutral","sentiment_score":0.014343248680233955},{"text":"Beautiful. Thank you so much.","start_word":11118,"end_word":11122,"sentiment":"positive","sentiment_score":0.42993825674057007},{"text":"When you do get that, Lisa, we've also got a copy of your fax lines, your risk profile, the things that we filled out for yourself. I've Yep. got external Sure. third party authorities on there so that we when you come on board, we can talk to each of you about each other's accounts. As I kinda mentioned Yeah. last time, it just provides that little bit of extra benefit. If one of you need to ask questions about each account, you can. Yes. And it also means if one of you are in hospital or something happened, you can call and go, hey. Scott's in hospital. I need to do this, this, and this, and we can help you out. So we've got all of those. We'll also do a lost super search for you. We'll make the ACO go out there and see if there's anything in the ether that we can help to consolidate for you aside from what we know about. And then you've also got your application forms and things attached so we can start an implementation process for you.","start_word":11123,"end_word":11308,"sentiment":"neutral","sentiment_score":0.16345605502525964},{"text":"Fantastic. And easy and I'll send you an email as well if you can just shoot me back a copy of your driver's license.","start_word":11309,"end_word":11332,"sentiment":"positive","sentiment_score":0.5101125240325928},{"text":"Yep. And Maddie will also need to obtain your tax file number prior to opening up your hub twenty four super account, and she'll let you know when she needs that. Okay? No worries.","start_word":11333,"end_word":11366,"sentiment":"neutral","sentiment_score":0.15375706553459167},{"text":"Sounds good. Beautiful. Thank you so much for your time. I really appreciate.","start_word":11367,"end_word":11379,"sentiment":"positive","sentiment_score":0.7085192203521729},{"text":"I'm sorry.","start_word":11380,"end_word":11381,"sentiment":"neutral","sentiment_score":-0.13364937901496887},{"text":"It's very long.","start_word":11382,"end_word":11384,"sentiment":"negative","sentiment_score":-0.3417878746986389},{"text":"It's quite a lot to go through. Oh, good.","start_word":11385,"end_word":11393,"sentiment":"neutral","sentiment_score":-0.12928469479084015},{"text":"Thanks for that.","start_word":11394,"end_word":11396,"sentiment":"positive","sentiment_score":0.5376917123794556},{"text":"No worries. If either of you have any questions, please let me know.","start_word":11397,"end_word":11409,"sentiment":"neutral","sentiment_score":0.2047002464532852},{"text":"Happy to answer anything that you might have once you've taken some time to read it over. Will do. Have a good night. You too. Thank you. Enjoy your dinner. Thanks. That's fine. Thanks. See you later.","start_word":11410,"end_word":11446,"sentiment":"positive","sentiment_score":0.5326566696166992}],"average":{"sentiment":"neutral","sentiment_score":0.14894212523308847}}}}