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I had you booked in just to run through your updated advice document. This is some changes to your super insurance that we discussed last conversation. Is now still a good time there for you? Oh, legend. All good. I just I'm gonna email the document through to you as well. Are you able to review your emails? If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all? Yeah. Legend. Excellent. Perfect. So just sending this one through to you. So sorry if my hopefully, my email's come through fairly quickly. Just while it is coming through, can I just get you to confirm that you're happy for us to record the call moving forward? We do record our calls for training and quality purposes as well. Is that okay? Legend. And, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Legend. Thank you so much for that. Now I have sent that one through. Hopefully, it comes through fairly quickly there for you. I know technology can be a little bit of a pain sometimes. So if it doesn't, let me know. I can always press resend for you. There we go. And how's work been going? I know there's been a few changes with everything in the business. How is it all growing and building, or how's it all been going? Fantastic. Oh, that's excellent, honestly. Fantastic. And, hopefully, just to keep building it over the next twelve months as well? Yeah. Excellent. Fantastic. So good to hear. I know it was probably one of your main focuses last year when we sort of caught up was about just building a business and growing it. So it's good if you're crazy busy. I mean, it's, you know, keeps you occupied. Absolutely. Now just let me know if that one has come through. It also, just double check your junk mail as well. Sometimes it does go through to there. Yeah. Yeah. Yeah. You're right. Not an issue. That's okay. If you wanted to, I can just run through the advice there for you. I'll try to keep it as simple as possible. And then you can go back and have a really good read of it later as far as sometimes when I run through the document, I'm throwing a lot of numbers and things at you. So I'll try to keep it as simple as I can and then allow you to go back and have a really good read of it. And then just come back and let me know if you do happen to have any questions. Okay? Excellent. So with this one here, Josh, it does say on the front page that when you do see the document has been prepared for yourself as of the 07/08/2026 there. My authorized representative number is on the document for you. It is 1304394, and I have a quote attached on the Odoo sign, the financial services guide, which also outlines everything about who I am as an adviser and all my registration information there for you as well. Okay? Now all of that advice is provided in best interest to you. So, essentially, we go through the annual reviews and update your goals to make sure the advice remains appropriate, and any changes need to be linked back to your goals. Essentially, any advice provided does need to be in the best interest of you and working towards your goals. So as part of the document, as you are reading through that, you'll notice we do have a best interest duty statement on each of the recommendations, which links it back to your goals and notes why the advice is in your best interest. Okay? Now last time, when Samantha touched base last Wednesday, I know I originally had you booked in then. I'm so, so sorry. You mentioned that your income was about a 122,000, so it was a lower estimate than what we had originally. We had a 135 noted originally. So we just had to update the income protection quotes with Clearview. Unfortunately, we were unable to get the quote due by the end of the day when we were due to present the advice, so it did mean just moving it forward to this week for you. So I do apologize on that one, but just to make sure the information's accurate for you there. Excellent. As you are reviewing the document, we do outline your assets and liabilities as we had noted. And I know Samantha did update those with you as you spoke to her via email the other week. Feel free to have a look at those. If there's any major changes, please do let me know. I'm more than happy to update it on our end for you. And we've also got your current income your current life insurance policy there. So at the moment, you do have life TBD income protection through ClearView. At the moment, you have about one one million one hundred and fifty seven thousand three twenty nine of life and TBD, and you have income protection with a sum insured or a monthly benefit of 6,216. It's on a thirty day wait and a five year benefit period. One of the things we sort of talked about was you were happy with the life and TPD cover. You had the level of cover, but your income protection was a bit low. So you weren't really covered for the full amount that you were able to based on your income, and you can be covered for up to 70% there. So we do wanna go back and have a look at increasing your income protection there for you. We did, as part of this, go and have a look at what it looks like to increase with ClearView, which is your current insurer. We did also look at other insurers out there because whilst whilst increasing with the current provider does limit the underwriting to just the increase, it also can be more expensive depending on the provider as well. So it actually came out that Clearview was gonna be a lot more expensive than other providers out there. So I've actually recommended that we do go with a new provider and apply for new cover. So I'm actually just quickly pulling up the quote for you. The current the quote to increase with Clearview ended up being over 3,000 roughly about $3,400. So it was quite an increase on the premium policy. So what I've essentially gone down is I've gone back, and we've used your last pre assessment, and we've gone that back and done a bit of a pre assessment with the other providers to see essentially what they might offer in the way of terms. Now on your current policy, you do have an exclusion, which is essentially noted for your knee. Sorry. I'm just going down here. If you're fine in your knee, with any other provider out there, those exclusions will still apply. But because it looks like there's been no other changes in your health, we're not expecting any additional ex exclusions or loading. So it does mean that essentially applying for a new cover is gonna be a lot cheaper. Instead of having a premium of over $3,000 on a yearly basis to be able to increase your income protection, we can apply for new cover with for life TBD, the same sum insured you have now, and also a higher level of income protection with Zurich. And it kinda comes out to $2,288.39 for the year. So it's a much cheaper premium. Two thousand two hundred and eighty eight dollars and thirty nine cents. Yeah. So it's actually a lot cheaper. It gives you a higher level of cover, and it does mean going back to a new application to reinstate life, safety, and income protection. But there's no real disadvantage here unless you have major changes to your life or your health. Hopefully, you're still nice and healthy. But, essentially, what we expect with the loading and the exclusions and to be exactly the same as what you currently have on your policy. So because we don't expect anything different between the providers, getting the new insurer with new insurance cover with Zurich works out to your benefit, gives you more income protection, the same level of life and TPD. It still has the thirty day wait and the five year benefit period for you. It's just that it's a much cheaper premium. So at the end of the day, it means you have less money coming out of your super and, you know, more money retained in your super growing and compounding for you at the end of the day. Okay? Yeah. As I kinda mentioned, does mean that, obviously, it is a cheaper policy, so it does benefit you. We have checked the loadings and exclusions, so we do know what's expected on the policy. There is obviously the risk that if you go to application that there have been changes in your health since we last have done the pre assessment, that there could be other loadings or exclusions. But once he goes through the application process with my team, they will flag it with me if there's anything different, and I will review before we submit. So we can always come back and reassess down the track if we have to. It's insurances are essentially one of the biggest risks we do have with insurances is that we pay for the premiums. We get to retirement. We've never claimed on them. The insurances get canceled or they expire, and we don't actually get any of the benefit of them. So we just wanna make sure that each year we review these covers, that their insurances remain in line with your needs, and that we review them as regularly as possible, and that we keep the premiums as cheap as possible as well. Because one of the biggest things is these premiums are steps. It does mean that they will increase over time as your as you get older, as you get closer as the risk of you as you get closer to retirement, sorry, the risk of you making a claim increases. So these policies do get more and more expensive over time. So we just wanna keep reviewing those, keep them as cheap as we possibly can, and, look, honestly, if we can save a few $100 on a yearly basis and, you know, you know, get you a new level of cover that provides a greater benefit to you and is more in line with your needs, then it's absolutely a benefit to you. Yeah. Yeah. That's okay. Do you have any questions about the insurances so far? I will let you go back and read it. I'll try to sort of keep it as you know, try to give you as much information as I can without overwhelming you and talking at you. Yeah. That's okay. The other thing you do wanna look at was obviously getting a bit of trauma as well. So if you remember back to our last conversation, trauma pays out a lump sum tax free benefit in the event that you're diagnosed with a major condition that covers things like cancer, heart attacks, known to like, motor neurone disease or Parkinson's disease, or other neurology not sorry. Neurological conditions. Essentially, trauma is an out of pocket cost. So you wanted me to have a look and show you what trauma looks like. I did do so. What I've essentially done to try and make trauma more cost effective for you is I've also linked a little bit of life to it. So we are looking to because your income back when we spoke was about 135,000. I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma. It just means you get that extra sort of benefit in the event that something happens. It gives you a little bit more than a year's worth of income to take some time off if you're diagnosed with something, work out what you wanna do, continue to pay your bills, and just sort of work out what you're needing to do moving forward there. So with trauma, it is an out of pocket expense. It does mean you'll just pay the benefit on a monthly basis out of your bank account or your credit card, however you're comfortable to do so. We've linked a bit of life cover too that the reason for linking life to it at the same amount, the sum insured of a 135,000, is that by linking life to trauma, you get a multi policy discount. Having the trauma trauma stand alone actually makes the policy more expensive. So linking a little bit of life to the policy means that in the event of a traumatic condition, you're able to claim on the trauma benefit. But then if you then pass away, whilst your life insurance out inside of super pays out to your beneficiaries, you also have this extra bit of life cover to sort of fall back on as well. One of the main benefits to having life cover outside of super is that you also get access to funeral expenses. This is a benefit that you don't get access to when you hold life insurance inside super, but it means that if in the event that you would have passed away by having the trauma benefit outside of super and that life cover outside of super. Your beneficiary can claim the funeral benefit, and they get that money paid out to them generally within twenty four hours of providing a death certificate. So it's an extra benefit to having a little bit of life cover paid outside of super there, and we can keep reviewing those covers. To hold the trauma and the life cover outside of super, it's noted here that we would expect the premium to to be about $19.92 on a monthly basis there. So very small premium to hold a 135,000 worth of trauma and a extra bit of life cover outside of super for you as well. Okay? Yeah. All good. As noted, I do have the best interest duty there for you. Have a bit of a read through that. Do let me know if you do happen to have any questions. I know with the trauma, the conversation there was that, essentially, you wanted to see what that would look like, what the cost of it would look like, and then you're welcome to decide whether you're able to take on the trauma or not. On the last page of the advice document, we do have a little text box. So if you decide you're not comfortable, you know, your expenditure is a little bit tight at the moment with the cost of living, that you're not really able to cover the trauma and you wanna maybe just disregard that part of the advice, that's definitely fine. Just make a note on the last page there, and we'll make sure we adhere to that for you. Okay. Yeah. Cool. Do you have any questions about the insurances so far? Yep. Yeah. So we recommended just a year's worth of income based on the last income estimate of 135,000. So now it's a 122. We can always reduce that if we needed if you wanted to as well. But, yeah, I mean, some people do prefer to have a higher amount of trauma. It's more just about what you wanna have paid at, what you think you might need to, you know, take time off or what you might wanna have paid at in the event of a traumatic diagnosis. So some people do prefer just to have one year's worth of living expenses or one year's worth of income, which gives them twelve months to take time off work, look at maybe recovery periods, cover their expenditure, maybe focus on their family and health and whatever they need to that time frame. Other people do prefer to maybe cover the cost of mortgages and things like that or to cover, you know, a couple of years of living expenses. So it's very much an individual decision, but that's just to show you what it would look like based on our last conversation. If you wanted additional quotes, you're welcome to let me know, and I can always draw something up for you. Yeah. Absolutely. And with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens. I want you to get to retirement. You enjoy your life. But in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral. So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits. That means that in you without having that extra bit of life cover, with only having a life held inside super if you were to pass away, your family would have to cover the cost of your funeral or, you know, find some money to fall back on and then be reimbursed later. So this just kinda gives that as as that extra benefit. It also does give them, you know, a bit of additional grief. You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits. These policies do go through renewal every year and to increase. You get future increases as it goes through renewal. But, again, the same as with this policy, it will get more expensive the older you get. So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on. Perfect. Is there any questions that have come out of that at all? Does that sound fairly straightforward? Yep. Beautiful. All good. I will let you go back and have a really good read of that, but let me know if there's any additional questions that come out of the insurance side of things. If you like a bit of a reading material, I've also got the product disclosure statements attached for Zurich and for your current provider. It would be Super Hub 24 as well, so you're welcome to run your eyes over those. It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work. It's quite interesting if you're into a bit of reading material. So they are attached for you. Not everyone's that interested, but feel free to run your eyes over. All good, Josh. Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you. We have sort of noted there have been some changes in the market. Your super has been doing really well over the last few years, but I did notice there has been some underperforming investments. So I wanted to go back and just make some changes there for you. I don't want you to be in anything underperforming. Wanna make sure your super is working as hard as possible for you. So when I kinda reviewed things, I am gonna make some changes to the investments. So keeping Hub twenty four, I did review the platform. There's been no major changes that we need to kind of alter or make changes to the platform at the moment. But with the underlying investments there, we are essentially going to look to sell off the bank hybrids. They are more of a defensive investment for you. Think of them like bonds, essentially. You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back. These sorts of investments are lower risk in nature, but they also tend to get a lower rate of return. So these are the bank hybrids. They're more of a more of a complex investment. Essentially, they are being phased out by the government over the next few years. So whilst I did note there were some underperforming investments we need to maybe look at making some alterations to, I felt it was best to maybe look at removing these now, replacing them with something else, and then let rather than having to wait till down the track when we have to make those changes quickly and then having to make changes to your portfolio then if we don't need to. So just sort of working out which is the best way for you. Removing them now is absolutely fine and great. So we are looking to sell all the bank hybrids down. We're gonna replace them with core composite bonds. So very similar sort of investment of the bonds. So bonds this encompasses both government and corporate bonds for you. Essentially, it does provide income payments. They're just more of a simplified investment, and we're gonna keep about 5% of your portfolio in the core composite bond side of things. We also noticed here that the Benelong Australian Equities. So you probably remember you have had Benelong in your portfolio for the last couple of years. Benelon has unfortunately had some underperformance this year. They've had some issues with the underlying investments, and they have not been able to come out of that. So our investment committee had a look at things, and they decided it was worth removing that from everyone's portfolio. They want us to be underperforming and, essentially, with standalone being removed, we needed to replace that to keep your estate equities portion. So we're gonna replace that with the beta shares a 200. Essentially, we wanna hold about 25% of your portfolio in that investment. One of the benefits to replacing it with a 200 is that Benelon generally hold between 15 to 25 different investments depending on what is happening within that portfolio. With having the a 200, you're actually increasing a diversification in your exposure because you're tracking the top 200 companies on the ASX. So it is increasing diversification, helping to lower the overall risk of your portfolio, and it's actually cheaper investment as well, which is really important. So more money left in your super working harder for you. Okay? Yeah. Other areas that we are gonna look at replacing, our agriculture has done really, really well, but we are just gonna remove that from the portfolio. We're gonna keep you as mythical gold, but just sell some of that. You're a little bit over exposed at the moment. We wanna hold about 7%. You currently have about 13%. So it has seen some really good gains with gold because there's no income coming out of that. We just wanna cement the gains that have been generated and reestablish, essentially, just put the money into other areas for you as well. We have also got some cybersecurity. We wanna keep that. You're about 6.9 there at the moment to sell. Some of that often bring you back to 6%. The s and p 500 is great. You have still got that. We wanna keep that, but we just wanna bring your exposure up a little bit. Your exposure's reduced to 28. We wanna have about 35%. So just putting some more money into the s and p five hundred. I know there has been a lot of people unsure about, you know, what's happening with The US and everything. It is still a great place to be invested, and it has still seen great returns. This is about going through those downtimes and going through the volatility that we have seen with them. Okay? You've got the Raffy two hundred, sir, essentially mid cap stock there because we are selling out of Bannalong and buying into the a two hundred, but also gonna get rid of the Raffy. You don't need to be overexposed in Australian equities, and having the one investment makes cheaper and keeps you invested and diversified. We've also gotten those ClearBridge infrastructure funds, so we're gonna remove that completely. Has been a good investment, but it is time to sell it off and just update the portfolio a little bit. With selling off those investments at the end, once we complete the restructure, you will see about 7% in physical gold, about 6% in cybersecurity, about 35% in the s and p 500, The US exposure, 9% in Europe, 5% in Japan. We're also gonna include the all world excluding The US exposure, so 8% globally encompassing the entire globe minus The US, 25% in the Australian equities portion, and then 5% in bonds to key give you some defensive investments, which is gonna be really cool. I will let you read through that because it is a lot. But do you have any questions at the moment, Josh? No? All good. Essentially, once we kinda go through that, we did look at the CGT consequences because just like you do a tax return every year, so this is super fun. To make the changes in the portfolio, we estimate the CGT to be $65. So not a bad CGT consequence at all. And investment fees by altering the portfolio, we can save you for the first year $350 in investment fees. So a good saving on investment fees, more money staying inside your super working harder for you. And then, also, with the new policy with Zurich, we will cancel the policy. So, essentially, the way this'll work is we'll start by doing the investment switch. We'll then get you to apply for the New Zurich insurance policy. Once that policy has been placed in force, we'll help you cancel the ClearView policy there as well. Okay? Yep. Beautiful. All good. All in all, the newer portfolio has also performed well. So one of the big things was that you used to be in more of a growth space. You wanted to take on a little bit more risk. This newer portfolio is encompassing more of a high growth environment there. It does have a five year rolling average showing it's retained about 11.86% on a yearly basis there. So this newer portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there. So all in all, it looks really good. Yeah. Essentially, just go back and have a really good read through it. Let me know if you do happen to have any questions there. The only other thing I sorta had in here for you was just with your new Zurich life insurance policy, just making sure the beneficiary nominations are applied to that, and we'll help you set that up. I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you. Okay? Yeah. Awesome. I know there is a lot to go through. Do you happen to have any questions at the moment? Or yeah. Thank you. Thank you. Well, I'll let you go back and have a read through the document. Let me know if you do happen to have any questions there. We it does have all the advantages, disadvantages, risks involved, or anything, you know, additional that we might need to make note for you. So you're welcome to have a really good read through that one. I've also got the ongoing service agreement there for you. So if you you know, we need to update that for the next twelve months as well. You do pay an ongoing service fee of 1.65% for us to update the advice, make sure everything's quite well and reflective there for you. If you can just, you know, have a look through those, sign and return those back for me, we can have them implemented nice and quickly for you. Okay. Fantastic. All good. That's basically everything I needed to go through with you there. Is there any questions or anything else that you might need from me at the moment? Is anything kinda popped up additional? Or no. That's okay. All good. Well, feel free to read through the document. Let me know if there's any questions that pop up. And, yeah, hopefully, it pops through to you fairly soon. If it doesn't, just let me know, and we can always resend it through. Okay? Fantastic. My pleasure, Josh. I'll let you go for the afternoon. Have you got a few more hours of work, or are you nearly done? Well, thank you so much for taking the time to take my call. I appreciate it. I know your time is very precious. So, yeah, we'll no worries at all. You have a great afternoon. I'll talk to you soon. Thanks, Josh. See you 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Josh. Hi, Josh. It's Dana from Oakview Financial. Can you hear me okay? Oh, all good.\n\nI'm good. Thank you. How are you doing? How's the day been? Oh, that's good.\n\nI had you booked in just to run through your updated advice document. This is some changes to your super insurance that we discussed last conversation. Is now still a good time there for you? Oh, legend. All good.\n\nI just I'm gonna email the document through to you as well. Are you able to review your emails? If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all?\n\nYeah. Legend. Excellent. Perfect. So just sending this one through to you.\n\nSo sorry if my hopefully, my email's come through fairly quickly. Just while it is coming through, can I just get you to confirm that you're happy for us to record the call moving forward? We do record our calls for training and quality purposes as well. Is that okay? Legend.\n\nAnd, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Legend.\n\nThank you so much for that. Now I have sent that one through. Hopefully, it comes through fairly quickly there for you. I know technology can be a little bit of a pain sometimes. So if it doesn't, let me know.\n\nI can always press resend for you. There we go. And how's work been going? I know there's been a few changes with everything in the business. How is it all growing and building, or how's it all been going?\n\nFantastic. Oh, that's excellent, honestly. Fantastic. And, hopefully, just to keep building it over the next twelve months as well? Yeah.\n\nExcellent. Fantastic. So good to hear. I know it was probably one of your main focuses last year when we sort of caught up was about just building a business and growing it. So it's good if you're crazy busy.\n\nI mean, it's, you know, keeps you occupied. Absolutely. Now just let me know if that one has come through. It also, just double check your junk mail as well. Sometimes it does go through to there.\n\nYeah. Yeah. Yeah. You're right. Not an issue.\n\nThat's okay. If you wanted to, I can just run through the advice there for you. I'll try to keep it as simple as possible. And then you can go back and have a really good read of it later as far as sometimes when I run through the document, I'm throwing a lot of numbers and things at you. So I'll try to keep it as simple as I can and then allow you to go back and have a really good read of it.\n\nAnd then just come back and let me know if you do happen to have any questions. Okay? Excellent. So with this one here, Josh, it does say on the front page that when you do see the document has been prepared for yourself as of the 07/08/2026 there. My authorized representative number is on the document for you.\n\nIt is 1304394, and I have a quote attached on the Odoo sign, the financial services guide, which also outlines everything about who I am as an adviser and all my registration information there for you as well. Okay? Now all of that advice is provided in best interest to you. So, essentially, we go through the annual reviews and update your goals to make sure the advice remains appropriate, and any changes need to be linked back to your goals. Essentially, any advice provided does need to be in the best interest of you and working towards your goals.\n\nSo as part of the document, as you are reading through that, you'll notice we do have a best interest duty statement on each of the recommendations, which links it back to your goals and notes why the advice is in your best interest. Okay? Now last time, when Samantha touched base last Wednesday, I know I originally had you booked in then. I'm so, so sorry. You mentioned that your income was about a 122,000, so it was a lower estimate than what we had originally.\n\nWe had a 135 noted originally. So we just had to update the income protection quotes with Clearview. Unfortunately, we were unable to get the quote due by the end of the day when we were due to present the advice, so it did mean just moving it forward to this week for you. So I do apologize on that one, but just to make sure the information's accurate for you there. Excellent.\n\nAs you are reviewing the document, we do outline your assets and liabilities as we had noted. And I know Samantha did update those with you as you spoke to her via email the other week. Feel free to have a look at those. If there's any major changes, please do let me know. I'm more than happy to update it on our end for you.\n\nAnd we've also got your current income your current life insurance policy there. So at the moment, you do have life TBD income protection through ClearView. At the moment, you have about one one million one hundred and fifty seven thousand three twenty nine of life and TBD, and you have income protection with a sum insured or a monthly benefit of 6,216. It's on a thirty day wait and a five year benefit period. One of the things we sort of talked about was you were happy with the life and TPD cover.\n\nYou had the level of cover, but your income protection was a bit low. So you weren't really covered for the full amount that you were able to based on your income, and you can be covered for up to 70% there. So we do wanna go back and have a look at increasing your income protection there for you. We did, as part of this, go and have a look at what it looks like to increase with ClearView, which is your current insurer. We did also look at other insurers out there because whilst whilst increasing with the current provider does limit the underwriting to just the increase, it also can be more expensive depending on the provider as well.\n\nSo it actually came out that Clearview was gonna be a lot more expensive than other providers out there. So I've actually recommended that we do go with a new provider and apply for new cover. So I'm actually just quickly pulling up the quote for you. The current the quote to increase with Clearview ended up being over 3,000 roughly about $3,400. So it was quite an increase on the premium policy.\n\nSo what I've essentially gone down is I've gone back, and we've used your last pre assessment, and we've gone that back and done a bit of a pre assessment with the other providers to see essentially what they might offer in the way of terms. Now on your current policy, you do have an exclusion, which is essentially noted for your knee. Sorry. I'm just going down here. If you're fine in your knee, with any other provider out there, those exclusions will still apply.\n\nBut because it looks like there's been no other changes in your health, we're not expecting any additional ex exclusions or loading. So it does mean that essentially applying for a new cover is gonna be a lot cheaper. Instead of having a premium of over $3,000 on a yearly basis to be able to increase your income protection, we can apply for new cover with for life TBD, the same sum insured you have now, and also a higher level of income protection with Zurich. And it kinda comes out to $2,288.39 for the year. So it's a much cheaper premium.\n\nTwo thousand two hundred and eighty eight dollars and thirty nine cents. Yeah. So it's actually a lot cheaper. It gives you a higher level of cover, and it does mean going back to a new application to reinstate life, safety, and income protection. But there's no real disadvantage here unless you have major changes to your life or your health.\n\nHopefully, you're still nice and healthy. But, essentially, what we expect with the loading and the exclusions and to be exactly the same as what you currently have on your policy. So because we don't expect anything different between the providers, getting the new insurer with new insurance cover with Zurich works out to your benefit, gives you more income protection, the same level of life and TPD. It still has the thirty day wait and the five year benefit period for you. It's just that it's a much cheaper premium.\n\nSo at the end of the day, it means you have less money coming out of your super and, you know, more money retained in your super growing and compounding for you at the end of the day. Okay? Yeah. As I kinda mentioned, does mean that, obviously, it is a cheaper policy, so it does benefit you. We have checked the loadings and exclusions, so we do know what's expected on the policy.\n\nThere is obviously the risk that if you go to application that there have been changes in your health since we last have done the pre assessment, that there could be other loadings or exclusions. But once he goes through the application process with my team, they will flag it with me if there's anything different, and I will review before we submit. So we can always come back and reassess down the track if we have to. It's insurances are essentially one of the biggest risks we do have with insurances is that we pay for the premiums. We get to retirement.\n\nWe've never claimed on them. The insurances get canceled or they expire, and we don't actually get any of the benefit of them. So we just wanna make sure that each year we review these covers, that their insurances remain in line with your needs, and that we review them as regularly as possible, and that we keep the premiums as cheap as possible as well. Because one of the biggest things is these premiums are steps. It does mean that they will increase over time as your as you get older, as you get closer as the risk of you as you get closer to retirement, sorry, the risk of you making a claim increases.\n\nSo these policies do get more and more expensive over time. So we just wanna keep reviewing those, keep them as cheap as we possibly can, and, look, honestly, if we can save a few $100 on a yearly basis and, you know, you know, get you a new level of cover that provides a greater benefit to you and is more in line with your needs, then it's absolutely a benefit to you. Yeah. Yeah. That's okay.\n\nDo you have any questions about the insurances so far? I will let you go back and read it. I'll try to sort of keep it as you know, try to give you as much information as I can without overwhelming you and talking at you. Yeah. That's okay.\n\nThe other thing you do wanna look at was obviously getting a bit of trauma as well. So if you remember back to our last conversation, trauma pays out a lump sum tax free benefit in the event that you're diagnosed with a major condition that covers things like cancer, heart attacks, known to like, motor neurone disease or Parkinson's disease, or other neurology not sorry. Neurological conditions. Essentially, trauma is an out of pocket cost. So you wanted me to have a look and show you what trauma looks like.\n\nI did do so. What I've essentially done to try and make trauma more cost effective for you is I've also linked a little bit of life to it. So we are looking to because your income back when we spoke was about 135,000. I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma. It just means you get that extra sort of benefit in the event that something happens.\n\nIt gives you a little bit more than a year's worth of income to take some time off if you're diagnosed with something, work out what you wanna do, continue to pay your bills, and just sort of work out what you're needing to do moving forward there. So with trauma, it is an out of pocket expense. It does mean you'll just pay the benefit on a monthly basis out of your bank account or your credit card, however you're comfortable to do so. We've linked a bit of life cover too that the reason for linking life to it at the same amount, the sum insured of a 135,000, is that by linking life to trauma, you get a multi policy discount. Having the trauma trauma stand alone actually makes the policy more expensive.\n\nSo linking a little bit of life to the policy means that in the event of a traumatic condition, you're able to claim on the trauma benefit. But then if you then pass away, whilst your life insurance out inside of super pays out to your beneficiaries, you also have this extra bit of life cover to sort of fall back on as well. One of the main benefits to having life cover outside of super is that you also get access to funeral expenses. This is a benefit that you don't get access to when you hold life insurance inside super, but it means that if in the event that you would have passed away by having the trauma benefit outside of super and that life cover outside of super. Your beneficiary can claim the funeral benefit, and they get that money paid out to them generally within twenty four hours of providing a death certificate.\n\nSo it's an extra benefit to having a little bit of life cover paid outside of super there, and we can keep reviewing those covers. To hold the trauma and the life cover outside of super, it's noted here that we would expect the premium to to be about $19.92 on a monthly basis there. So very small premium to hold a 135,000 worth of trauma and a extra bit of life cover outside of super for you as well. Okay? Yeah.\n\nAll good. As noted, I do have the best interest duty there for you. Have a bit of a read through that. Do let me know if you do happen to have any questions. I know with the trauma, the conversation there was that, essentially, you wanted to see what that would look like, what the cost of it would look like, and then you're welcome to decide whether you're able to take on the trauma or not.\n\nOn the last page of the advice document, we do have a little text box. So if you decide you're not comfortable, you know, your expenditure is a little bit tight at the moment with the cost of living, that you're not really able to cover the trauma and you wanna maybe just disregard that part of the advice, that's definitely fine. Just make a note on the last page there, and we'll make sure we adhere to that for you. Okay. Yeah.\n\nCool. Do you have any questions about the insurances so far? Yep. Yeah. So we recommended just a year's worth of income based on the last income estimate of 135,000.\n\nSo now it's a 122. We can always reduce that if we needed if you wanted to as well. But, yeah, I mean, some people do prefer to have a higher amount of trauma. It's more just about what you wanna have paid at, what you think you might need to, you know, take time off or what you might wanna have paid at in the event of a traumatic diagnosis. So some people do prefer just to have one year's worth of living expenses or one year's worth of income, which gives them twelve months to take time off work, look at maybe recovery periods, cover their expenditure, maybe focus on their family and health and whatever they need to that time frame.\n\nOther people do prefer to maybe cover the cost of mortgages and things like that or to cover, you know, a couple of years of living expenses. So it's very much an individual decision, but that's just to show you what it would look like based on our last conversation. If you wanted additional quotes, you're welcome to let me know, and I can always draw something up for you. Yeah. Absolutely.\n\nAnd with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens. I want you to get to retirement. You enjoy your life. But in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral. So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits.\n\nThat means that in you without having that extra bit of life cover, with only having a life held inside super if you were to pass away, your family would have to cover the cost of your funeral or, you know, find some money to fall back on and then be reimbursed later. So this just kinda gives that as as that extra benefit. It also does give them, you know, a bit of additional grief. You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits. These policies do go through renewal every year and to increase.\n\nYou get future increases as it goes through renewal. But, again, the same as with this policy, it will get more expensive the older you get. So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on. Perfect. Is there any questions that have come out of that at all?\n\nDoes that sound fairly straightforward? Yep. Beautiful. All good. I will let you go back and have a really good read of that, but let me know if there's any additional questions that come out of the insurance side of things.\n\nIf you like a bit of a reading material, I've also got the product disclosure statements attached for Zurich and for your current provider. It would be Super Hub 24 as well, so you're welcome to run your eyes over those. It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work. It's quite interesting if you're into a bit of reading material. So they are attached for you.\n\nNot everyone's that interested, but feel free to run your eyes over. All good, Josh. Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you. We have sort of noted there have been some changes in the market. Your super has been doing really well over the last few years, but I did notice there has been some underperforming investments.\n\nSo I wanted to go back and just make some changes there for you. I don't want you to be in anything underperforming. Wanna make sure your super is working as hard as possible for you. So when I kinda reviewed things, I am gonna make some changes to the investments. So keeping Hub twenty four, I did review the platform.\n\nThere's been no major changes that we need to kind of alter or make changes to the platform at the moment. But with the underlying investments there, we are essentially going to look to sell off the bank hybrids. They are more of a defensive investment for you. Think of them like bonds, essentially. You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back.\n\nThese sorts of investments are lower risk in nature, but they also tend to get a lower rate of return. So these are the bank hybrids. They're more of a more of a complex investment. Essentially, they are being phased out by the government over the next few years. So whilst I did note there were some underperforming investments we need to maybe look at making some alterations to, I felt it was best to maybe look at removing these now, replacing them with something else, and then let rather than having to wait till down the track when we have to make those changes quickly and then having to make changes to your portfolio then if we don't need to.\n\nSo just sort of working out which is the best way for you. Removing them now is absolutely fine and great. So we are looking to sell all the bank hybrids down. We're gonna replace them with core composite bonds. So very similar sort of investment of the bonds.\n\nSo bonds this encompasses both government and corporate bonds for you. Essentially, it does provide income payments. They're just more of a simplified investment, and we're gonna keep about 5% of your portfolio in the core composite bond side of things. We also noticed here that the Benelong Australian Equities. So you probably remember you have had Benelong in your portfolio for the last couple of years.\n\nBenelon has unfortunately had some underperformance this year. They've had some issues with the underlying investments, and they have not been able to come out of that. So our investment committee had a look at things, and they decided it was worth removing that from everyone's portfolio. They want us to be underperforming and, essentially, with standalone being removed, we needed to replace that to keep your estate equities portion. So we're gonna replace that with the beta shares a 200.\n\nEssentially, we wanna hold about 25% of your portfolio in that investment. One of the benefits to replacing it with a 200 is that Benelon generally hold between 15 to 25 different investments depending on what is happening within that portfolio. With having the a 200, you're actually increasing a diversification in your exposure because you're tracking the top 200 companies on the ASX. So it is increasing diversification, helping to lower the overall risk of your portfolio, and it's actually cheaper investment as well, which is really important. So more money left in your super working harder for you.\n\nOkay? Yeah. Other areas that we are gonna look at replacing, our agriculture has done really, really well, but we are just gonna remove that from the portfolio. We're gonna keep you as mythical gold, but just sell some of that. You're a little bit over exposed at the moment.\n\nWe wanna hold about 7%. You currently have about 13%. So it has seen some really good gains with gold because there's no income coming out of that. We just wanna cement the gains that have been generated and reestablish, essentially, just put the money into other areas for you as well. We have also got some cybersecurity.\n\nWe wanna keep that. You're about 6.9 there at the moment to sell. Some of that often bring you back to 6%. The s and p 500 is great. You have still got that.\n\nWe wanna keep that, but we just wanna bring your exposure up a little bit. Your exposure's reduced to 28. We wanna have about 35%. So just putting some more money into the s and p five hundred. I know there has been a lot of people unsure about, you know, what's happening with The US and everything.\n\nIt is still a great place to be invested, and it has still seen great returns. This is about going through those downtimes and going through the volatility that we have seen with them. Okay? You've got the Raffy two hundred, sir, essentially mid cap stock there because we are selling out of Bannalong and buying into the a two hundred, but also gonna get rid of the Raffy. You don't need to be overexposed in Australian equities, and having the one investment makes cheaper and keeps you invested and diversified.\n\nWe've also gotten those ClearBridge infrastructure funds, so we're gonna remove that completely. Has been a good investment, but it is time to sell it off and just update the portfolio a little bit. With selling off those investments at the end, once we complete the restructure, you will see about 7% in physical gold, about 6% in cybersecurity, about 35% in the s and p 500, The US exposure, 9% in Europe, 5% in Japan. We're also gonna include the all world excluding The US exposure, so 8% globally encompassing the entire globe minus The US, 25% in the Australian equities portion, and then 5% in bonds to key give you some defensive investments, which is gonna be really cool. I will let you read through that because it is a lot.\n\nBut do you have any questions at the moment, Josh? No? All good. Essentially, once we kinda go through that, we did look at the CGT consequences because just like you do a tax return every year, so this is super fun. To make the changes in the portfolio, we estimate the CGT to be $65.\n\nSo not a bad CGT consequence at all. And investment fees by altering the portfolio, we can save you for the first year $350 in investment fees. So a good saving on investment fees, more money staying inside your super working harder for you. And then, also, with the new policy with Zurich, we will cancel the policy. So, essentially, the way this'll work is we'll start by doing the investment switch.\n\nWe'll then get you to apply for the New Zurich insurance policy. Once that policy has been placed in force, we'll help you cancel the ClearView policy there as well. Okay? Yep. Beautiful.\n\nAll good. All in all, the newer portfolio has also performed well. So one of the big things was that you used to be in more of a growth space. You wanted to take on a little bit more risk. This newer portfolio is encompassing more of a high growth environment there.\n\nIt does have a five year rolling average showing it's retained about 11.86% on a yearly basis there. So this newer portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there. So all in all, it looks really good. Yeah. Essentially, just go back and have a really good read through it.\n\nLet me know if you do happen to have any questions there. The only other thing I sorta had in here for you was just with your new Zurich life insurance policy, just making sure the beneficiary nominations are applied to that, and we'll help you set that up. I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you. Okay? Yeah.\n\nAwesome. I know there is a lot to go through. Do you happen to have any questions at the moment? Or yeah. Thank you.\n\nThank you. Well, I'll let you go back and have a read through the document. Let me know if you do happen to have any questions there. We it does have all the advantages, disadvantages, risks involved, or anything, you know, additional that we might need to make note for you. So you're welcome to have a really good read through that one.\n\nI've also got the ongoing service agreement there for you. So if you you know, we need to update that for the next twelve months as well. You do pay an ongoing service fee of 1.65% for us to update the advice, make sure everything's quite well and reflective there for you. If you can just, you know, have a look through those, sign and return those back for me, we can have them implemented nice and quickly for you. Okay.\n\nFantastic. All good. That's basically everything I needed to go through with you there. Is there any questions or anything else that you might need from me at the moment? Is anything kinda popped up additional?\n\nOr no. That's okay. All good. Well, feel free to read through the document. Let me know if there's any questions that pop up.\n\nAnd, yeah, hopefully, it pops through to you fairly soon. If it doesn't, just let me know, and we can always resend it through. Okay? Fantastic. My pleasure, Josh.\n\nI'll let you go for the afternoon. Have you got a few more hours of work, or are you nearly done? Well, thank you so much for taking the time to take my call. I appreciate it. I know your time is very precious.\n\nSo, yeah, we'll no worries at all. You have a great afternoon. I'll talk to you soon. Thanks, Josh. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Josh.","start":8.72,"end":9.46,"sentiment":"neutral","sentiment_score":0.041340047493577003},{"text":"Hi, Josh.","start":9.5199995,"end":10.0,"sentiment":"neutral","sentiment_score":0.07380444183945656},{"text":"It's Dana from Oakview Financial.","start":10.0,"end":11.62,"sentiment":"neutral","sentiment_score":0.08380374759435653},{"text":"Can you hear me okay?","start":11.759999,"end":12.98,"sentiment":"neutral","sentiment_score":0.0514665849506855},{"text":"Oh, all good.","start":15.055,"end":15.695,"sentiment":"positive","sentiment_score":0.4528550406297048}],"sentiment":"neutral","sentiment_score":0.13324739784002304,"num_words":17,"start":8.72,"end":15.695},{"sentences":[{"text":"I'm good.","start":15.695,"end":16.095,"sentiment":"positive","sentiment_score":0.5740857422351837},{"text":"Thank you.","start":16.095,"end":16.415,"sentiment":"positive","sentiment_score":0.5863521993160248},{"text":"How are you doing?","start":16.415,"end":17.295,"sentiment":"neutral","sentiment_score":0.2928129956126213},{"text":"How's the day been?","start":17.295,"end":18.435,"sentiment":"neutral","sentiment_score":0.10547064989805222},{"text":"Oh, that's good.","start":20.815,"end":21.855,"sentiment":"positive","sentiment_score":0.4330739378929138}],"sentiment":"positive","sentiment_score":0.3475488185882568,"num_words":15,"start":15.695,"end":21.855},{"sentences":[{"text":"I had you booked in just to run through your updated advice document.","start":21.855,"end":24.735,"sentiment":"neutral","sentiment_score":0.2482271698805002},{"text":"This is some changes to your super insurance that we discussed last conversation.","start":24.735,"end":28.44,"sentiment":"neutral","sentiment_score":0.17803994394265688},{"text":"Is now still a good time there for you?","start":28.580002,"end":30.68,"sentiment":"neutral","sentiment_score":0.23417206936412388},{"text":"Oh, legend.","start":32.260002,"end":33.0,"sentiment":"neutral","sentiment_score":0.144736148416996},{"text":"All good.","start":33.06,"end":33.78,"sentiment":"neutral","sentiment_score":0.3034758120775223}],"sentiment":"neutral","sentiment_score":0.2191139749991588,"num_words":39,"start":21.855,"end":33.78},{"sentences":[{"text":"I just I'm gonna email the document through to you as well.","start":33.78,"end":36.34,"sentiment":"neutral","sentiment_score":0.12395220560332139},{"text":"Are you able to review your emails?","start":36.34,"end":38.1,"sentiment":"neutral","sentiment_score":0.035207955432789664},{"text":"If you're not, honestly, it is okay.","start":38.1,"end":39.875,"sentiment":"neutral","sentiment_score":0.0003499394016606462},{"text":"I just need to confirm.","start":39.875,"end":41.075,"sentiment":"neutral","sentiment_score":0.028690775111317634},{"text":"Are you able to look at the emails at all?","start":41.075,"end":43.415,"sentiment":"neutral","sentiment_score":0.004717701580375433}],"sentiment":"neutral","sentiment_score":0.04699908835222808,"num_words":41,"start":33.78,"end":43.415},{"sentences":[{"text":"Yeah.","start":44.835,"end":45.315002,"sentiment":"neutral","sentiment_score":0.1219181790947914},{"text":"Legend.","start":45.315002,"end":45.815002,"sentiment":"neutral","sentiment_score":0.23681706190109253},{"text":"Excellent.","start":46.035,"end":46.535,"sentiment":"positive","sentiment_score":0.46021586656570435},{"text":"Perfect.","start":46.675,"end":47.075,"sentiment":"positive","sentiment_score":0.47558560967445374},{"text":"So just sending this one through to you.","start":47.075,"end":49.175,"sentiment":"neutral","sentiment_score":0.26864574663341045}],"sentiment":"neutral","sentiment_score":0.2869752241919438,"num_words":12,"start":44.835,"end":49.175},{"sentences":[{"text":"So sorry if my hopefully, my email's come through fairly quickly.","start":49.715,"end":52.675,"sentiment":"neutral","sentiment_score":0.029429250650785187},{"text":"Just while it is coming through, can I just get you to confirm that you're happy for us to record the call moving forward?","start":52.675,"end":59.579998,"sentiment":"neutral","sentiment_score":0.18652622184405723},{"text":"We do record our calls for training and quality purposes as well.","start":59.579998,"end":62.219997,"sentiment":"neutral","sentiment_score":0.0709757786244154},{"text":"Is that okay?","start":62.219997,"end":63.039997,"sentiment":"neutral","sentiment_score":0.08912072330713272},{"text":"Legend.","start":64.78,"end":65.18,"sentiment":"neutral","sentiment_score":0.1125660166144371}],"sentiment":"neutral","sentiment_score":0.11827428649891825,"num_words":51,"start":49.715,"end":65.18},{"sentences":[{"text":"And, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file.","start":65.18,"end":74.615,"sentiment":"neutral","sentiment_score":0.08690565554746266},{"text":"Yep.","start":74.615,"end":75.115,"sentiment":"neutral","sentiment_score":0.040488965809345245},{"text":"Yep.","start":78.05499,"end":78.55499,"sentiment":"neutral","sentiment_score":0.07588915526866913},{"text":"Beautiful.","start":78.935,"end":79.435,"sentiment":"neutral","sentiment_score":0.1338450312614441},{"text":"Legend.","start":82.630005,"end":83.130005,"sentiment":"neutral","sentiment_score":0.07793308794498444}],"sentiment":"neutral","sentiment_score":0.08631576518669273,"num_words":33,"start":65.18,"end":83.130005},{"sentences":[{"text":"Thank you so much for that.","start":85.51,"end":87.21001,"sentiment":"positive","sentiment_score":0.4016505976517995},{"text":"Now I have sent that one through.","start":87.83,"end":89.43,"sentiment":"neutral","sentiment_score":0.23092219872134073},{"text":"Hopefully, it comes through fairly quickly there for you.","start":89.43,"end":91.83,"sentiment":"neutral","sentiment_score":0.2205741885635588},{"text":"I know technology can be a little bit of a pain sometimes.","start":91.83,"end":94.57001,"sentiment":"neutral","sentiment_score":-0.15050772577524185},{"text":"So if it doesn't, let me know.","start":94.695,"end":96.534996,"sentiment":"neutral","sentiment_score":-0.07998446481568473}],"sentiment":"neutral","sentiment_score":0.08891567587852478,"num_words":41,"start":85.51,"end":96.534996},{"sentences":[{"text":"I can always press resend for you.","start":96.534996,"end":98.875,"sentiment":"neutral","sentiment_score":-0.007351851889065334},{"text":"There we go.","start":100.375,"end":101.335,"sentiment":"neutral","sentiment_score":0.01975022132198016},{"text":"And how's work been going?","start":101.335,"end":102.695,"sentiment":"neutral","sentiment_score":0.019465771317481995},{"text":"I know there's been a few changes with everything in the business.","start":102.695,"end":105.735,"sentiment":"neutral","sentiment_score":-0.009891983199243745},{"text":"How is it all growing and building, or how's it all been going?","start":105.735,"end":108.715,"sentiment":"neutral","sentiment_score":0.01719095980605254}],"sentiment":"neutral","sentiment_score":0.005247380910441279,"num_words":40,"start":96.534996,"end":108.715},{"sentences":[{"text":"Fantastic.","start":110.99,"end":111.49,"sentiment":"positive","sentiment_score":0.7196979522705078},{"text":"Oh, that's excellent, honestly.","start":113.55,"end":115.41,"sentiment":"positive","sentiment_score":0.6241924166679382},{"text":"Fantastic.","start":119.229996,"end":119.729996,"sentiment":"positive","sentiment_score":0.6191470623016357},{"text":"And, hopefully, just to keep building it over the next twelve months as well?","start":119.95,"end":123.17,"sentiment":"neutral","sentiment_score":0.2420235595532826},{"text":"Yeah.","start":124.725006,"end":125.225006,"sentiment":"neutral","sentiment_score":0.14097872376441956}],"sentiment":"positive","sentiment_score":0.3507106304168701,"num_words":21,"start":110.99,"end":125.225006},{"sentences":[{"text":"Excellent.","start":125.44501,"end":125.94501,"sentiment":"positive","sentiment_score":0.6175670027732849},{"text":"Fantastic.","start":126.325005,"end":126.825005,"sentiment":"positive","sentiment_score":0.6370741128921509},{"text":"So good to hear.","start":127.125,"end":127.76501,"sentiment":"positive","sentiment_score":0.5397765710949898},{"text":"I know it was probably one of your main focuses last year when we sort of caught up was about just building a business and growing it.","start":127.76501,"end":133.60501,"sentiment":"neutral","sentiment_score":0.09343685292535359},{"text":"So it's good if you're crazy busy.","start":133.60501,"end":135.285,"sentiment":"neutral","sentiment_score":0.16699984350374766}],"sentiment":"neutral","sentiment_score":0.1776385333389044,"num_words":40,"start":125.44501,"end":135.285},{"sentences":[{"text":"I mean, it's, you know, keeps you occupied.","start":135.285,"end":137.705,"sentiment":"neutral","sentiment_score":0.01853422191925347},{"text":"Absolutely.","start":141.26001,"end":141.76001,"sentiment":"neutral","sentiment_score":0.1484728455543518},{"text":"Now just let me know if that one has come through.","start":142.22,"end":145.12001,"sentiment":"neutral","sentiment_score":0.0478240048343485},{"text":"It also, just double check your junk mail as well.","start":145.26001,"end":147.58,"sentiment":"neutral","sentiment_score":0.011959964036941528},{"text":"Sometimes it does go through to there.","start":147.58,"end":149.44,"sentiment":"neutral","sentiment_score":-0.011197385378181934}],"sentiment":"neutral","sentiment_score":0.023352124778604186,"num_words":37,"start":135.285,"end":149.44},{"sentences":[{"text":"Yeah.","start":151.515,"end":152.015,"sentiment":"neutral","sentiment_score":-0.00552168395370245},{"text":"Yeah.","start":167.77,"end":168.27,"sentiment":"neutral","sentiment_score":0.05205307900905609},{"text":"Yeah.","start":168.33,"end":168.41,"sentiment":"neutral","sentiment_score":0.06432284414768219},{"text":"You're right.","start":168.41,"end":169.05,"sentiment":"neutral","sentiment_score":0.09176485240459442},{"text":"Not an issue.","start":169.05,"end":169.87,"sentiment":"neutral","sentiment_score":0.06431208923459053}],"sentiment":"neutral","sentiment_score":0.06091502646449953,"num_words":8,"start":151.515,"end":169.87},{"sentences":[{"text":"That's okay.","start":179.945,"end":180.505,"sentiment":"neutral","sentiment_score":0.09865789860486984},{"text":"If you wanted to, I can just run through the advice there for you.","start":180.505,"end":184.02501,"sentiment":"neutral","sentiment_score":0.08227386139333248},{"text":"I'll try to keep it as simple as possible.","start":184.02501,"end":186.205,"sentiment":"neutral","sentiment_score":0.1315014006363021},{"text":"And then you can go back and have a really good read of it later as far as sometimes when I run through the document, I'm throwing a lot of numbers and things at you.","start":186.66501,"end":194.35,"sentiment":"neutral","sentiment_score":0.14066908487251828},{"text":"So I'll try to keep it as simple as I can and then allow you to go back and have a really good read of it.","start":194.35,"end":198.67001,"sentiment":"neutral","sentiment_score":0.16357783285471109}],"sentiment":"neutral","sentiment_score":0.13615237310702025,"num_words":86,"start":179.945,"end":198.67001},{"sentences":[{"text":"And then just come back and let me know if you do happen to have any questions.","start":198.67001,"end":201.89,"sentiment":"neutral","sentiment_score":0.12109579628004748},{"text":"Okay?","start":202.11,"end":202.61,"sentiment":"neutral","sentiment_score":0.07673972845077515},{"text":"Excellent.","start":204.535,"end":205.035,"sentiment":"neutral","sentiment_score":0.28829628229141235},{"text":"So with this one here, Josh, it does say on the front page that when you do see the document has been prepared for yourself as of the 07/08/2026 there.","start":205.175,"end":213.755,"sentiment":"neutral","sentiment_score":0.08358934844533603},{"text":"My authorized representative number is on the document for you.","start":214.215,"end":217.015,"sentiment":"neutral","sentiment_score":0.0718527976423502}],"sentiment":"neutral","sentiment_score":0.09576055893706063,"num_words":59,"start":198.67001,"end":217.015},{"sentences":[{"text":"It is 1304394, and I have a quote attached on the Odoo sign, the financial services guide, which also outlines everything about who I am as an adviser and all my registration information there for you as well.","start":217.015,"end":229.76001,"sentiment":"neutral","sentiment_score":0.09619335771391266},{"text":"Okay?","start":229.82,"end":230.32,"sentiment":"neutral","sentiment_score":0.08882591128349304},{"text":"Now all of that advice is provided in best interest to you.","start":231.335,"end":234.375,"sentiment":"neutral","sentiment_score":0.1681295482752224},{"text":"So, essentially, we go through the annual reviews and update your goals to make sure the advice remains appropriate, and any changes need to be linked back to your goals.","start":234.375,"end":242.05501,"sentiment":"neutral","sentiment_score":0.1463281199336052},{"text":"Essentially, any advice provided does need to be in the best interest of you and working towards your goals.","start":242.05501,"end":248.28,"sentiment":"neutral","sentiment_score":0.2514010644272754}],"sentiment":"neutral","sentiment_score":0.14928191905841232,"num_words":100,"start":217.015,"end":248.28},{"sentences":[{"text":"So as part of the document, as you are reading through that, you'll notice we do have a best interest duty statement on each of the recommendations, which links it back to your goals and notes why the advice is in your best interest.","start":248.28,"end":260.445,"sentiment":"neutral","sentiment_score":0.21920030631802298},{"text":"Okay?","start":260.585,"end":261.085,"sentiment":"neutral","sentiment_score":0.07877814769744873},{"text":"Now last time, when Samantha touched base last Wednesday, I know I originally had you booked in then.","start":263.14502,"end":267.225,"sentiment":"neutral","sentiment_score":-0.02776404009718034},{"text":"I'm so, so sorry.","start":267.225,"end":268.365,"sentiment":"neutral","sentiment_score":-0.11013968288898468},{"text":"You mentioned that your income was about a 122,000, so it was a lower estimate than what we had originally.","start":268.505,"end":274.69,"sentiment":"neutral","sentiment_score":-0.14742103423923253}],"sentiment":"neutral","sentiment_score":0.06706735043219109,"num_words":87,"start":248.28,"end":274.69},{"sentences":[{"text":"We had a 135 noted originally.","start":275.07,"end":277.39,"sentiment":"neutral","sentiment_score":-0.036399773632486664},{"text":"So we just had to update the income protection quotes with Clearview.","start":277.39,"end":281.31,"sentiment":"neutral","sentiment_score":-0.024728745532532532},{"text":"Unfortunately, we were unable to get the quote due by the end of the day when we were due to present the advice, so it did mean just moving it forward to this week for you.","start":281.31,"end":288.875,"sentiment":"neutral","sentiment_score":-0.30947722122073174},{"text":"So I do apologize on that one, but just to make sure the information's accurate for you there.","start":288.875,"end":293.755,"sentiment":"neutral","sentiment_score":-0.1587396210266484},{"text":"Excellent.","start":293.755,"end":294.255,"sentiment":"positive","sentiment_score":0.5237658619880676}],"sentiment":"neutral","sentiment_score":-0.19164206669346928,"num_words":73,"start":275.07,"end":294.255},{"sentences":[{"text":"As you are reviewing the document, we do outline your assets and liabilities as we had noted.","start":295.35498,"end":299.77002,"sentiment":"neutral","sentiment_score":0.2647085382657893},{"text":"And I know Samantha did update those with you as you spoke to her via email the other week.","start":299.77002,"end":304.17,"sentiment":"neutral","sentiment_score":0.20567555882428823},{"text":"Feel free to have a look at those.","start":304.65002,"end":305.93002,"sentiment":"neutral","sentiment_score":0.20370494574308395},{"text":"If there's any major changes, please do let me know.","start":305.93002,"end":308.09003,"sentiment":"neutral","sentiment_score":0.07794590182602405},{"text":"I'm more than happy to update it on our end for you.","start":308.09003,"end":310.75,"sentiment":"positive","sentiment_score":0.6255926241477331}],"sentiment":"neutral","sentiment_score":0.2776377400326909,"num_words":66,"start":295.35498,"end":310.75},{"sentences":[{"text":"And we've also got your current income your current life insurance policy there.","start":311.295,"end":315.695,"sentiment":"neutral","sentiment_score":0.07132409713589229},{"text":"So at the moment, you do have life TBD income protection through ClearView.","start":315.695,"end":320.275,"sentiment":"neutral","sentiment_score":0.06679500868687263},{"text":"At the moment, you have about one one million one hundred and fifty seven thousand three twenty nine of life and TBD, and you have income protection with a sum insured or a monthly benefit of 6,216.","start":320.655,"end":333.01,"sentiment":"neutral","sentiment_score":0.0669845298335359},{"text":"It's on a thirty day wait and a five year benefit period.","start":333.15,"end":336.37,"sentiment":"neutral","sentiment_score":0.05288360143701235},{"text":"One of the things we sort of talked about was you were happy with the life and TPD cover.","start":336.75,"end":340.725,"sentiment":"neutral","sentiment_score":0.13836352448714406}],"sentiment":"neutral","sentiment_score":0.08018602300038997,"num_words":94,"start":311.295,"end":340.725},{"sentences":[{"text":"You had the level of cover, but your income protection was a bit low.","start":340.725,"end":344.885,"sentiment":"neutral","sentiment_score":-0.1871720983513764},{"text":"So you weren't really covered for the full amount that you were able to based on your income, and you can be covered for up to 70% there.","start":344.885,"end":351.92502,"sentiment":"neutral","sentiment_score":-0.0872226579646979},{"text":"So we do wanna go back and have a look at increasing your income protection there for you.","start":351.92502,"end":357.44,"sentiment":"neutral","sentiment_score":0.2511906897028287},{"text":"We did, as part of this, go and have a look at what it looks like to increase with ClearView, which is your current insurer.","start":357.66,"end":364.24,"sentiment":"neutral","sentiment_score":0.11692387267947196},{"text":"We did also look at other insurers out there because whilst whilst increasing with the current provider does limit the underwriting to just the increase, it also can be more expensive depending on the provider as well.","start":364.78,"end":378.97498,"sentiment":"neutral","sentiment_score":-0.0815097563774199}],"sentiment":"neutral","sentiment_score":-0.005196520936537961,"num_words":122,"start":340.725,"end":378.97498},{"sentences":[{"text":"So it actually came out that Clearview was gonna be a lot more expensive than other providers out there.","start":378.97498,"end":384.8,"sentiment":"neutral","sentiment_score":-0.19158372165341125},{"text":"So I've actually recommended that we do go with a new provider and apply for new cover.","start":385.26,"end":390.62,"sentiment":"neutral","sentiment_score":0.13838729043217265},{"text":"So I'm actually just quickly pulling up the quote for you.","start":390.62,"end":393.84,"sentiment":"neutral","sentiment_score":0.15849087251858276},{"text":"The current the quote to increase with Clearview ended up being over 3,000 roughly about $3,400.","start":394.86,"end":403.375,"sentiment":"neutral","sentiment_score":0.10944872163236141},{"text":"So it was quite an increase on the premium policy.","start":403.675,"end":406.335,"sentiment":"neutral","sentiment_score":0.16369884833693504}],"sentiment":"neutral","sentiment_score":0.05265836785100911,"num_words":73,"start":378.97498,"end":406.335},{"sentences":[{"text":"So what I've essentially gone down is I've gone back, and we've used your last pre assessment, and we've gone that back and done a bit of a pre assessment with the other providers to see essentially what they might offer in the way of terms.","start":407.275,"end":418.77,"sentiment":"neutral","sentiment_score":0.10401737908630268},{"text":"Now on your current policy, you do have an exclusion, which is essentially noted for your knee.","start":418.77,"end":425.59,"sentiment":"neutral","sentiment_score":-0.07125435725731008},{"text":"Sorry.","start":425.76498,"end":425.925,"sentiment":"neutral","sentiment_score":-0.07580757141113281},{"text":"I'm just going down here.","start":425.925,"end":426.885,"sentiment":"neutral","sentiment_score":-0.016632192954421043},{"text":"If you're fine in your knee, with any other provider out there, those exclusions will still apply.","start":426.885,"end":432.505,"sentiment":"neutral","sentiment_score":0.09926541572820176}],"sentiment":"neutral","sentiment_score":0.05932580111385865,"num_words":86,"start":407.275,"end":432.505},{"sentences":[{"text":"But because it looks like there's been no other changes in your health, we're not expecting any additional ex exclusions or loading.","start":432.885,"end":439.205,"sentiment":"neutral","sentiment_score":0.09031857922673225},{"text":"So it does mean that essentially applying for a new cover is gonna be a lot cheaper.","start":439.205,"end":445.3,"sentiment":"positive","sentiment_score":0.38835689250160665},{"text":"Instead of having a premium of over $3,000 on a yearly basis to be able to increase your income protection, we can apply for new cover with for life TBD, the same sum insured you have now, and also a higher level of income protection with Zurich.","start":445.36,"end":461.275,"sentiment":"neutral","sentiment_score":0.2872894290596881},{"text":"And it kinda comes out to $2,288.39 for the year.","start":461.73502,"end":467.015,"sentiment":"neutral","sentiment_score":0.18309903740882874},{"text":"So it's a much cheaper premium.","start":467.015,"end":469.25,"sentiment":"neutral","sentiment_score":-0.0136238942698886}],"sentiment":"neutral","sentiment_score":0.23373456950774232,"num_words":102,"start":432.885,"end":469.25},{"sentences":[{"text":"Two thousand two hundred and eighty eight dollars and thirty nine cents.","start":470.34998,"end":473.40997,"sentiment":"neutral","sentiment_score":0.014538000260169307},{"text":"Yeah.","start":475.06998,"end":475.55,"sentiment":"neutral","sentiment_score":0.03446498140692711},{"text":"So it's actually a lot cheaper.","start":475.55,"end":477.22998,"sentiment":"positive","sentiment_score":0.5883461385965347},{"text":"It gives you a higher level of cover, and it does mean going back to a new application to reinstate life, safety, and income protection.","start":477.22998,"end":485.45502,"sentiment":"positive","sentiment_score":0.5200462794303894},{"text":"But there's no real disadvantage here unless you have major changes to your life or your health.","start":485.755,"end":490.635,"sentiment":"neutral","sentiment_score":-0.19887357205152512}],"sentiment":"neutral","sentiment_score":0.21900498486872091,"num_words":61,"start":470.34998,"end":490.635},{"sentences":[{"text":"Hopefully, you're still nice and healthy.","start":490.635,"end":492.415,"sentiment":"positive","sentiment_score":0.36242906252543133},{"text":"But, essentially, what we expect with the loading and the exclusions and to be exactly the same as what you currently have on your policy.","start":495.14,"end":501.24,"sentiment":"neutral","sentiment_score":0.1291485208272934},{"text":"So because we don't expect anything different between the providers, getting the new insurer with new insurance cover with Zurich works out to your benefit, gives you more income protection, the same level of life and TPD.","start":501.30002,"end":513.735,"sentiment":"neutral","sentiment_score":0.291454049783784},{"text":"It still has the thirty day wait and the five year benefit period for you.","start":513.955,"end":517.795,"sentiment":"positive","sentiment_score":0.398643563191096},{"text":"It's just that it's a much cheaper premium.","start":517.795,"end":519.82996,"sentiment":"positive","sentiment_score":0.47289035469293594}],"sentiment":"neutral","sentiment_score":0.28516333542027317,"num_words":91,"start":490.635,"end":519.82996},{"sentences":[{"text":"So at the end of the day, it means you have less money coming out of your super and, you know, more money retained in your super growing and compounding for you at the end of the day.","start":519.88995,"end":529.02997,"sentiment":"positive","sentiment_score":0.5249016324156209},{"text":"Okay?","start":529.08997,"end":529.58997,"sentiment":"neutral","sentiment_score":0.22384750843048096},{"text":"Yeah.","start":530.85,"end":531.35,"sentiment":"neutral","sentiment_score":0.30575644969940186},{"text":"As I kinda mentioned, does mean that, obviously, it is a cheaper policy, so it does benefit you.","start":532.05,"end":537.075,"sentiment":"positive","sentiment_score":0.37888232121864956},{"text":"We have checked the loadings and exclusions, so we do know what's expected on the policy.","start":537.375,"end":541.635,"sentiment":"neutral","sentiment_score":0.07407590711954981}],"sentiment":"positive","sentiment_score":0.3848778687266482,"num_words":74,"start":519.88995,"end":541.635},{"sentences":[{"text":"There is obviously the risk that if you go to application that there have been changes in your health since we last have done the pre assessment, that there could be other loadings or exclusions.","start":542.095,"end":551.31,"sentiment":"neutral","sentiment_score":-0.2843863474471228},{"text":"But once he goes through the application process with my team, they will flag it with me if there's anything different, and I will review before we submit.","start":551.37,"end":558.57,"sentiment":"neutral","sentiment_score":-0.02563392823295934},{"text":"So we can always come back and reassess down the track if we have to.","start":558.57,"end":562.19,"sentiment":"neutral","sentiment_score":-0.012515656898419063},{"text":"It's insurances are essentially one of the biggest risks we do have with insurances is that we pay for the premiums.","start":562.97003,"end":569.905,"sentiment":"negative","sentiment_score":-0.38826202494757517},{"text":"We get to retirement.","start":570.045,"end":571.265,"sentiment":"neutral","sentiment_score":-0.29946891218423843}],"sentiment":"neutral","sentiment_score":-0.19621733181829593,"num_words":103,"start":542.095,"end":571.265},{"sentences":[{"text":"We've never claimed on them.","start":571.485,"end":572.925,"sentiment":"negative","sentiment_score":-0.35806724429130554},{"text":"The insurances get canceled or they expire, and we don't actually get any of the benefit of them.","start":572.925,"end":577.72504,"sentiment":"negative","sentiment_score":-0.455392650845978},{"text":"So we just wanna make sure that each year we review these covers, that their insurances remain in line with your needs, and that we review them as regularly as possible, and that we keep the premiums as cheap as possible as well.","start":577.72504,"end":590.11,"sentiment":"neutral","sentiment_score":0.27877827231274094},{"text":"Because one of the biggest things is these premiums are steps.","start":590.11,"end":592.785,"sentiment":"neutral","sentiment_score":0.10095457258549603},{"text":"It does mean that they will increase over time as your as you get older, as you get closer as the risk of you as you get closer to retirement, sorry, the risk of you making a claim increases.","start":592.785,"end":604.32495,"sentiment":"neutral","sentiment_score":-0.1196374692595922}],"sentiment":"neutral","sentiment_score":-0.013407751982068193,"num_words":116,"start":571.485,"end":604.32495},{"sentences":[{"text":"So these policies do get more and more expensive over time.","start":604.46497,"end":607.63,"sentiment":"neutral","sentiment_score":-0.1436618911949071},{"text":"So we just wanna keep reviewing those, keep them as cheap as we possibly can, and, look, honestly, if we can save a few $100 on a yearly basis and, you know, you know, get you a new level of cover that provides a greater benefit to you and is more in line with your needs, then it's absolutely a benefit to you.","start":607.63,"end":624.255,"sentiment":"positive","sentiment_score":0.5248341452744272},{"text":"Yeah.","start":626.075,"end":626.39496,"sentiment":"neutral","sentiment_score":0.2164267301559448},{"text":"Yeah.","start":626.39496,"end":626.795,"sentiment":"neutral","sentiment_score":0.18877923488616943},{"text":"That's okay.","start":626.795,"end":627.695,"sentiment":"neutral","sentiment_score":0.20025473833084106}],"sentiment":"positive","sentiment_score":0.413974176805753,"num_words":78,"start":604.46497,"end":627.695},{"sentences":[{"text":"Do you have any questions about the insurances so far?","start":628.795,"end":631.595,"sentiment":"neutral","sentiment_score":0.061808498203754426},{"text":"I will let you go back and read it.","start":631.595,"end":633.115,"sentiment":"neutral","sentiment_score":0.06880557909607887},{"text":"I'll try to sort of keep it as you know, try to give you as much information as I can without overwhelming you and talking at you.","start":633.115,"end":639.95,"sentiment":"neutral","sentiment_score":0.05641426918683229},{"text":"Yeah.","start":642.09,"end":642.59,"sentiment":"neutral","sentiment_score":-0.02672273106873035},{"text":"That's okay.","start":642.89,"end":643.79004,"sentiment":"neutral","sentiment_score":-0.006229862570762635}],"sentiment":"neutral","sentiment_score":0.05553751032115245,"num_words":49,"start":628.795,"end":643.79004},{"sentences":[{"text":"The other thing you do wanna look at was obviously getting a bit of trauma as well.","start":644.41003,"end":648.445,"sentiment":"neutral","sentiment_score":-0.11578130853526733},{"text":"So if you remember back to our last conversation, trauma pays out a lump sum tax free benefit in the event that you're diagnosed with a major condition that covers things like cancer, heart attacks, known to like, motor neurone disease or Parkinson's disease, or other neurology not sorry.","start":648.445,"end":664.71,"sentiment":"neutral","sentiment_score":-0.005769584594028336},{"text":"Neurological conditions.","start":664.71,"end":665.93005,"sentiment":"neutral","sentiment_score":-0.04340495727956295},{"text":"Essentially, trauma is an out of pocket cost.","start":666.87006,"end":669.11005,"sentiment":"neutral","sentiment_score":-0.05561308329924941},{"text":"So you wanted me to have a look and show you what trauma looks like.","start":669.11005,"end":672.33,"sentiment":"neutral","sentiment_score":0.016401229053735734}],"sentiment":"neutral","sentiment_score":-0.027875692696198003,"num_words":91,"start":644.41003,"end":672.33},{"sentences":[{"text":"I did do so.","start":672.71,"end":673.875,"sentiment":"neutral","sentiment_score":0.08095274493098259},{"text":"What I've essentially done to try and make trauma more cost effective for you is I've also linked a little bit of life to it.","start":673.955,"end":679.715,"sentiment":"neutral","sentiment_score":0.14756848864257335},{"text":"So we are looking to because your income back when we spoke was about 135,000.","start":679.715,"end":685.235,"sentiment":"neutral","sentiment_score":0.05855406106760105},{"text":"I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma.","start":685.235,"end":689.97003,"sentiment":"neutral","sentiment_score":0.0065929321572184545},{"text":"It just means you get that extra sort of benefit in the event that something happens.","start":690.11,"end":693.71,"sentiment":"positive","sentiment_score":0.5155036896467209}],"sentiment":"neutral","sentiment_score":0.17427473764033302,"num_words":76,"start":672.71,"end":693.71},{"sentences":[{"text":"It gives you a little bit more than a year's worth of income to take some time off if you're diagnosed with something, work out what you wanna do, continue to pay your bills, and just sort of work out what you're needing to do moving forward there.","start":693.71,"end":706.415,"sentiment":"positive","sentiment_score":0.499841816102465},{"text":"So with trauma, it is an out of pocket expense.","start":707.035,"end":709.995,"sentiment":"neutral","sentiment_score":0.15229944810271262},{"text":"It does mean you'll just pay the benefit on a monthly basis out of your bank account or your credit card, however you're comfortable to do so.","start":709.995,"end":716.415,"sentiment":"neutral","sentiment_score":0.23868139805617156},{"text":"We've linked a bit of life cover too that the reason for linking life to it at the same amount, the sum insured of a 135,000, is that by linking life to trauma, you get a multi policy discount.","start":717.10004,"end":728.56,"sentiment":"neutral","sentiment_score":0.3307763487100601},{"text":"Having the trauma trauma stand alone actually makes the policy more expensive.","start":728.925,"end":733.025,"sentiment":"neutral","sentiment_score":-0.27116924710571766}],"sentiment":"neutral","sentiment_score":0.30592680908739567,"num_words":136,"start":693.71,"end":733.025},{"sentences":[{"text":"So linking a little bit of life to the policy means that in the event of a traumatic condition, you're able to claim on the trauma benefit.","start":733.485,"end":740.545,"sentiment":"neutral","sentiment_score":0.2599955317046907},{"text":"But then if you then pass away, whilst your life insurance out inside of super pays out to your beneficiaries, you also have this extra bit of life cover to sort of fall back on as well.","start":740.685,"end":750.49005,"sentiment":"neutral","sentiment_score":0.17357003215599703},{"text":"One of the main benefits to having life cover outside of super is that you also get access to funeral expenses.","start":750.87,"end":758.295,"sentiment":"neutral","sentiment_score":0.2219305850920223},{"text":"This is a benefit that you don't get access to when you hold life insurance inside super, but it means that if in the event that you would have passed away by having the trauma benefit outside of super and that life cover outside of super.","start":758.295,"end":771.93005,"sentiment":"neutral","sentiment_score":0.12750081896134044},{"text":"Your beneficiary can claim the funeral benefit, and they get that money paid out to them generally within twenty four hours of providing a death certificate.","start":772.15,"end":780.89,"sentiment":"neutral","sentiment_score":0.2331121308872333}],"sentiment":"neutral","sentiment_score":0.19126411406382635,"num_words":157,"start":733.485,"end":780.89},{"sentences":[{"text":"So it's an extra benefit to having a little bit of life cover paid outside of super there, and we can keep reviewing those covers.","start":781.11005,"end":788.155,"sentiment":"neutral","sentiment_score":0.21604949116706848},{"text":"To hold the trauma and the life cover outside of super, it's noted here that we would expect the premium to to be about $19.92 on a monthly basis there.","start":788.775,"end":798.29504,"sentiment":"neutral","sentiment_score":0.03365018777549267},{"text":"So very small premium to hold a 135,000 worth of trauma and a extra bit of life cover outside of super for you as well.","start":798.29504,"end":806.09,"sentiment":"neutral","sentiment_score":-0.2265660771727562},{"text":"Okay?","start":806.09,"end":806.59,"sentiment":"neutral","sentiment_score":0.09703665226697922},{"text":"Yeah.","start":808.17,"end":808.67,"sentiment":"positive","sentiment_score":0.48374179005622864}],"sentiment":"neutral","sentiment_score":0.016187432017631648,"num_words":82,"start":781.11005,"end":808.67},{"sentences":[{"text":"All good.","start":808.81,"end":809.55,"sentiment":"positive","sentiment_score":0.6553001403808594},{"text":"As noted, I do have the best interest duty there for you.","start":810.09,"end":813.03503,"sentiment":"positive","sentiment_score":0.4245472624897957},{"text":"Have a bit of a read through that.","start":813.03503,"end":814.235,"sentiment":"neutral","sentiment_score":0.24090269766747952},{"text":"Do let me know if you do happen to have any questions.","start":814.235,"end":816.495,"sentiment":"neutral","sentiment_score":0.2148241437971592},{"text":"I know with the trauma, the conversation there was that, essentially, you wanted to see what that would look like, what the cost of it would look like, and then you're welcome to decide whether you're able to take on the trauma or not.","start":817.115,"end":826.98,"sentiment":"neutral","sentiment_score":-0.018270349299365825}],"sentiment":"neutral","sentiment_score":0.12956901754324252,"num_words":78,"start":808.81,"end":826.98},{"sentences":[{"text":"On the last page of the advice document, we do have a little text box.","start":827.45996,"end":831.3,"sentiment":"neutral","sentiment_score":-0.018695113807916643},{"text":"So if you decide you're not comfortable, you know, your expenditure is a little bit tight at the moment with the cost of living, that you're not really able to cover the trauma and you wanna maybe just disregard that part of the advice, that's definitely fine.","start":831.3,"end":843.515,"sentiment":"neutral","sentiment_score":-0.1806521290477286},{"text":"Just make a note on the last page there, and we'll make sure we adhere to that for you.","start":843.515,"end":847.435,"sentiment":"neutral","sentiment_score":0.08288269019440601},{"text":"Okay.","start":847.435,"end":847.935,"sentiment":"neutral","sentiment_score":0.05299174785614014},{"text":"Yeah.","start":848.955,"end":849.455,"sentiment":"neutral","sentiment_score":0.18170061707496643}],"sentiment":"neutral","sentiment_score":-0.08387485896068883,"num_words":83,"start":827.45996,"end":849.455},{"sentences":[{"text":"Cool.","start":849.835,"end":850.23505,"sentiment":"neutral","sentiment_score":0.26989632844924927},{"text":"Do you have any questions about the insurances so far?","start":850.23505,"end":853.29504,"sentiment":"neutral","sentiment_score":0.059971810504794124},{"text":"Yep.","start":860.60004,"end":861.10004,"sentiment":"neutral","sentiment_score":0.03078473173081875},{"text":"Yeah.","start":863.16003,"end":863.56006,"sentiment":"neutral","sentiment_score":0.023794347420334816},{"text":"So we recommended just a year's worth of income based on the last income estimate of 135,000.","start":863.56006,"end":870.275,"sentiment":"neutral","sentiment_score":0.02687713679145364}],"sentiment":"neutral","sentiment_score":0.04603682793676853,"num_words":30,"start":849.835,"end":870.275},{"sentences":[{"text":"So now it's a 122.","start":870.275,"end":871.715,"sentiment":"neutral","sentiment_score":0.05216750651597977},{"text":"We can always reduce that if we needed if you wanted to as well.","start":871.715,"end":874.695,"sentiment":"neutral","sentiment_score":0.03670192909027849},{"text":"But, yeah, I mean, some people do prefer to have a higher amount of trauma.","start":875.075,"end":878.85504,"sentiment":"neutral","sentiment_score":-0.17248541613419852},{"text":"It's more just about what you wanna have paid at, what you think you might need to, you know, take time off or what you might wanna have paid at in the event of a traumatic diagnosis.","start":879.075,"end":888.77997,"sentiment":"neutral","sentiment_score":-0.1374931748251657},{"text":"So some people do prefer just to have one year's worth of living expenses or one year's worth of income, which gives them twelve months to take time off work, look at maybe recovery periods, cover their expenditure, maybe focus on their family and health and whatever they need to that time frame.","start":889.16,"end":905.635,"sentiment":"neutral","sentiment_score":0.09314791048340991}],"sentiment":"neutral","sentiment_score":-0.0158308460893515,"num_words":124,"start":870.275,"end":905.635},{"sentences":[{"text":"Other people do prefer to maybe cover the cost of mortgages and things like that or to cover, you know, a couple of years of living expenses.","start":906.09503,"end":912.995,"sentiment":"neutral","sentiment_score":0.04682802201973067},{"text":"So it's very much an individual decision, but that's just to show you what it would look like based on our last conversation.","start":913.055,"end":920.02,"sentiment":"neutral","sentiment_score":0.12793463403763977},{"text":"If you wanted additional quotes, you're welcome to let me know, and I can always draw something up for you.","start":920.16,"end":925.14,"sentiment":"neutral","sentiment_score":0.14973263144493104},{"text":"Yeah.","start":927.375,"end":927.875,"sentiment":"neutral","sentiment_score":0.21379530429840088},{"text":"Absolutely.","start":930.09503,"end":930.59503,"sentiment":"positive","sentiment_score":0.42752858996391296}],"sentiment":"neutral","sentiment_score":0.10892819028554691,"num_words":72,"start":906.09503,"end":930.59503},{"sentences":[{"text":"And with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens.","start":930.815,"end":937.935,"sentiment":"neutral","sentiment_score":0.21230109942995984},{"text":"I want you to get to retirement.","start":937.935,"end":939.395,"sentiment":"positive","sentiment_score":0.3690752216747829},{"text":"You enjoy your life.","start":939.455,"end":940.74,"sentiment":"positive","sentiment_score":0.4871349111199379},{"text":"But in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral.","start":940.98,"end":953.45996,"sentiment":"neutral","sentiment_score":0.06817133724689484},{"text":"So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits.","start":953.45996,"end":964.825,"sentiment":"neutral","sentiment_score":0.1409128048532718}],"sentiment":"neutral","sentiment_score":0.1547961188233004,"num_words":113,"start":930.815,"end":964.825},{"sentences":[{"text":"That means that in you without having that extra bit of life cover, with only having a life held inside super if you were to pass away, your family would have to cover the cost of your funeral or, you know, find some money to fall back on and then be reimbursed later.","start":964.825,"end":978.07,"sentiment":"neutral","sentiment_score":0.12139438106766287},{"text":"So this just kinda gives that as as that extra benefit.","start":978.07,"end":981.05,"sentiment":"positive","sentiment_score":0.3369311175563119},{"text":"It also does give them, you know, a bit of additional grief.","start":982.415,"end":986.495,"sentiment":"neutral","sentiment_score":0.2545517757534981},{"text":"You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits.","start":986.495,"end":993.475,"sentiment":"neutral","sentiment_score":0.11214046115460603},{"text":"These policies do go through renewal every year and to increase.","start":994.19995,"end":997.16,"sentiment":"neutral","sentiment_score":0.07125338099219582}],"sentiment":"neutral","sentiment_score":0.1505253054201603,"num_words":110,"start":964.825,"end":997.16},{"sentences":[{"text":"You get future increases as it goes through renewal.","start":997.16,"end":1000.62,"sentiment":"neutral","sentiment_score":0.06922775920894411},{"text":"But, again, the same as with this policy, it will get more expensive the older you get.","start":1001.56,"end":1005.63995,"sentiment":"neutral","sentiment_score":-0.24464727193117142},{"text":"So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on.","start":1005.63995,"end":1016.525,"sentiment":"neutral","sentiment_score":-0.08587108262711102},{"text":"Perfect.","start":1020.12,"end":1020.62,"sentiment":"positive","sentiment_score":0.4496256113052368},{"text":"Is there any questions that have come out of that at all?","start":1021.16003,"end":1023.32,"sentiment":"neutral","sentiment_score":0.1320098421225945}],"sentiment":"neutral","sentiment_score":-0.06124758730332057,"num_words":75,"start":997.16,"end":1023.32},{"sentences":[{"text":"Does that sound fairly straightforward?","start":1023.32,"end":1025.1,"sentiment":"neutral","sentiment_score":-0.07120553329586983},{"text":"Yep.","start":1025.88,"end":1026.38,"sentiment":"positive","sentiment_score":0.3713669776916504},{"text":"Beautiful.","start":1027.48,"end":1027.98,"sentiment":"positive","sentiment_score":0.7091660499572754},{"text":"All good.","start":1028.04,"end":1028.7,"sentiment":"positive","sentiment_score":0.5867964923381805},{"text":"I will let you go back and have a really good read of that, but let me know if there's any additional questions that come out of the insurance side of things.","start":1028.76,"end":1034.7949,"sentiment":"neutral","sentiment_score":0.17420817271340638}],"sentiment":"neutral","sentiment_score":0.182262435918901,"num_words":41,"start":1023.32,"end":1034.7949},{"sentences":[{"text":"If you like a bit of a reading material, I've also got the product disclosure statements attached for Zurich and for your current provider.","start":1035.495,"end":1042.775,"sentiment":"neutral","sentiment_score":0.08239886987333496},{"text":"It would be Super Hub 24 as well, so you're welcome to run your eyes over those.","start":1042.775,"end":1046.635,"sentiment":"neutral","sentiment_score":0.2331789889756371},{"text":"It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work.","start":1046.9501,"end":1057.75,"sentiment":"neutral","sentiment_score":0.09998995438218117},{"text":"It's quite interesting if you're into a bit of reading material.","start":1057.75,"end":1060.835,"sentiment":"neutral","sentiment_score":0.06826233355836435},{"text":"So they are attached for you.","start":1060.835,"end":1062.615,"sentiment":"neutral","sentiment_score":0.044823914766311646}],"sentiment":"neutral","sentiment_score":0.11262068800304247,"num_words":92,"start":1035.495,"end":1062.615},{"sentences":[{"text":"Not everyone's that interested, but feel free to run your eyes over.","start":1062.835,"end":1066.455,"sentiment":"neutral","sentiment_score":0.004670781587871413},{"text":"All good, Josh.","start":1068.2749,"end":1069.335,"sentiment":"neutral","sentiment_score":0.288307120402654},{"text":"Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you.","start":1069.3949,"end":1075.17,"sentiment":"neutral","sentiment_score":0.038272419599471266},{"text":"We have sort of noted there have been some changes in the market.","start":1075.81,"end":1078.6901,"sentiment":"neutral","sentiment_score":-0.045966784827984296},{"text":"Your super has been doing really well over the last few years, but I did notice there has been some underperforming investments.","start":1078.6901,"end":1085.25,"sentiment":"neutral","sentiment_score":-0.04536770182577046}],"sentiment":"neutral","sentiment_score":0.00465803151321295,"num_words":77,"start":1062.835,"end":1085.25},{"sentences":[{"text":"So I wanted to go back and just make some changes there for you.","start":1085.25,"end":1088.505,"sentiment":"neutral","sentiment_score":-0.04502424491303308},{"text":"I don't want you to be in anything underperforming.","start":1088.585,"end":1090.525,"sentiment":"neutral","sentiment_score":-0.21915395475096172},{"text":"Wanna make sure your super is working as hard as possible for you.","start":1090.665,"end":1094.125,"sentiment":"neutral","sentiment_score":-0.18868688436654898},{"text":"So when I kinda reviewed things, I am gonna make some changes to the investments.","start":1094.985,"end":1099.0651,"sentiment":"neutral","sentiment_score":-0.011364378904302915},{"text":"So keeping Hub twenty four, I did review the platform.","start":1099.0651,"end":1101.8099,"sentiment":"neutral","sentiment_score":0.018976357020437717}],"sentiment":"neutral","sentiment_score":-0.08256322346994134,"num_words":61,"start":1085.25,"end":1101.8099},{"sentences":[{"text":"There's been no major changes that we need to kind of alter or make changes to the platform at the moment.","start":1101.8099,"end":1106.71,"sentiment":"neutral","sentiment_score":-0.0268725529922882},{"text":"But with the underlying investments there, we are essentially going to look to sell off the bank hybrids.","start":1107.33,"end":1113.35,"sentiment":"neutral","sentiment_score":-0.020900034656127293},{"text":"They are more of a defensive investment for you.","start":1113.8099,"end":1116.165,"sentiment":"neutral","sentiment_score":0.013845458833707703},{"text":"Think of them like bonds, essentially.","start":1116.165,"end":1118.1051,"sentiment":"neutral","sentiment_score":0.01567231398075819},{"text":"You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back.","start":1118.405,"end":1128.0851,"sentiment":"neutral","sentiment_score":0.027414091929261173}],"sentiment":"neutral","sentiment_score":0.0005574798873035101,"num_words":82,"start":1101.8099,"end":1128.0851},{"sentences":[{"text":"These sorts of investments are lower risk in nature, but they also tend to get a lower rate of return.","start":1128.0851,"end":1133.66,"sentiment":"neutral","sentiment_score":0.029326395690441133},{"text":"So these are the bank hybrids.","start":1134.28,"end":1135.88,"sentiment":"neutral","sentiment_score":-0.02612072912355264},{"text":"They're more of a more of a complex investment.","start":1135.88,"end":1138.78,"sentiment":"neutral","sentiment_score":-0.048335113666123815},{"text":"Essentially, they are being phased out by the government over the next few years.","start":1139.48,"end":1143.56,"sentiment":"neutral","sentiment_score":-0.05783391211714063},{"text":"So whilst I did note there were some underperforming investments we need to maybe look at making some alterations to, I felt it was best to maybe look at removing these now, replacing them with something else, and then let rather than having to wait till down the track when we have to make those changes quickly and then having to make changes to your portfolio then if we don't need to.","start":1143.56,"end":1163.6699,"sentiment":"neutral","sentiment_score":-0.06555995021739768}],"sentiment":"neutral","sentiment_score":-0.04574548486958851,"num_words":121,"start":1128.0851,"end":1163.6699},{"sentences":[{"text":"So just sort of working out which is the best way for you.","start":1163.6699,"end":1166.8899,"sentiment":"neutral","sentiment_score":0.03946193336294247},{"text":"Removing them now is absolutely fine and great.","start":1167.2699,"end":1169.75,"sentiment":"neutral","sentiment_score":0.30213748291134834},{"text":"So we are looking to sell all the bank hybrids down.","start":1169.75,"end":1172.1499,"sentiment":"neutral","sentiment_score":0.13896815140138974},{"text":"We're gonna replace them with core composite bonds.","start":1172.1499,"end":1174.97,"sentiment":"neutral","sentiment_score":0.10417793225497007},{"text":"So very similar sort of investment of the bonds.","start":1175.245,"end":1177.825,"sentiment":"neutral","sentiment_score":0.10723724547359678}],"sentiment":"neutral","sentiment_score":0.12770027203523382,"num_words":49,"start":1163.6699,"end":1177.825},{"sentences":[{"text":"So bonds this encompasses both government and corporate bonds for you.","start":1178.605,"end":1183.0249,"sentiment":"neutral","sentiment_score":0.1408480236476118},{"text":"Essentially, it does provide income payments.","start":1183.485,"end":1185.4049,"sentiment":"neutral","sentiment_score":0.20196673522392908},{"text":"They're just more of a simplified investment, and we're gonna keep about 5% of your portfolio in the core composite bond side of things.","start":1185.4049,"end":1193.22,"sentiment":"neutral","sentiment_score":0.16502139593164125},{"text":"We also noticed here that the Benelong Australian Equities.","start":1194.0,"end":1197.12,"sentiment":"neutral","sentiment_score":0.01950899004522297},{"text":"So you probably remember you have had Benelong in your portfolio for the last couple of years.","start":1197.12,"end":1201.54,"sentiment":"neutral","sentiment_score":0.015843310064690953}],"sentiment":"neutral","sentiment_score":0.1069635724676634,"num_words":67,"start":1178.605,"end":1201.54},{"sentences":[{"text":"Benelon has unfortunately had some underperformance this year.","start":1202.1749,"end":1205.0549,"sentiment":"negative","sentiment_score":-0.3566812891513109},{"text":"They've had some issues with the underlying investments, and they have not been able to come out of that.","start":1205.0549,"end":1210.255,"sentiment":"neutral","sentiment_score":-0.3162545420621571},{"text":"So our investment committee had a look at things, and they decided it was worth removing that from everyone's portfolio.","start":1210.255,"end":1216.115,"sentiment":"neutral","sentiment_score":-0.2365233078598976},{"text":"They want us to be underperforming and, essentially, with standalone being removed, we needed to replace that to keep your estate equities portion.","start":1217.47,"end":1225.39,"sentiment":"neutral","sentiment_score":-0.08807498994080917},{"text":"So we're gonna replace that with the beta shares a 200.","start":1225.39,"end":1228.45,"sentiment":"neutral","sentiment_score":0.019669617780230263}],"sentiment":"neutral","sentiment_score":-0.1901495276869815,"num_words":81,"start":1202.1749,"end":1228.45},{"sentences":[{"text":"Essentially, we wanna hold about 25% of your portfolio in that investment.","start":1229.325,"end":1233.1849,"sentiment":"neutral","sentiment_score":0.06792078105111916},{"text":"One of the benefits to replacing it with a 200 is that Benelon generally hold between 15 to 25 different investments depending on what is happening within that portfolio.","start":1233.965,"end":1245.02,"sentiment":"neutral","sentiment_score":0.2353037847527142},{"text":"With having the a 200, you're actually increasing a diversification in your exposure because you're tracking the top 200 companies on the ASX.","start":1246.36,"end":1254.855,"sentiment":"positive","sentiment_score":0.36438535607379413},{"text":"So it is increasing diversification, helping to lower the overall risk of your portfolio, and it's actually cheaper investment as well, which is really important.","start":1254.855,"end":1263.415,"sentiment":"positive","sentiment_score":0.49986552238464355},{"text":"So more money left in your super working harder for you.","start":1263.415,"end":1266.5549,"sentiment":"neutral","sentiment_score":0.19411921162496915}],"sentiment":"neutral","sentiment_score":0.30651671707630157,"num_words":100,"start":1229.325,"end":1266.5549},{"sentences":[{"text":"Okay?","start":1266.615,"end":1267.115,"sentiment":"neutral","sentiment_score":0.056029051542282104},{"text":"Yeah.","start":1267.88,"end":1268.38,"sentiment":"neutral","sentiment_score":0.15879318118095398},{"text":"Other areas that we are gonna look at replacing, our agriculture has done really, really well, but we are just gonna remove that from the portfolio.","start":1269.32,"end":1275.82,"sentiment":"neutral","sentiment_score":-0.008966306367745766},{"text":"We're gonna keep you as mythical gold, but just sell some of that.","start":1276.44,"end":1279.32,"sentiment":"neutral","sentiment_score":-0.10156162369709748},{"text":"You're a little bit over exposed at the moment.","start":1279.32,"end":1281.0951,"sentiment":"negative","sentiment_score":-0.38863399624824524}],"sentiment":"neutral","sentiment_score":-0.09672617614269256,"num_words":50,"start":1266.615,"end":1281.0951},{"sentences":[{"text":"We wanna hold about 7%.","start":1281.0951,"end":1282.935,"sentiment":"neutral","sentiment_score":-0.09915731251239776},{"text":"You currently have about 13%.","start":1282.935,"end":1284.795,"sentiment":"neutral","sentiment_score":-0.017932776361703873},{"text":"So it has seen some really good gains with gold because there's no income coming out of that.","start":1284.935,"end":1289.5751,"sentiment":"positive","sentiment_score":0.47776178022225696},{"text":"We just wanna cement the gains that have been generated and reestablish, essentially, just put the money into other areas for you as well.","start":1289.5751,"end":1299.25,"sentiment":"positive","sentiment_score":0.6008132956922054},{"text":"We have also got some cybersecurity.","start":1300.11,"end":1301.81,"sentiment":"neutral","sentiment_score":0.176755723853906}],"sentiment":"positive","sentiment_score":0.40507439723045663,"num_words":58,"start":1281.0951,"end":1301.81},{"sentences":[{"text":"We wanna keep that.","start":1302.1901,"end":1303.0701,"sentiment":"neutral","sentiment_score":0.12837905064225197},{"text":"You're about 6.9 there at the moment to sell.","start":1303.0701,"end":1306.11,"sentiment":"neutral","sentiment_score":0.06752126539746921},{"text":"Some of that often bring you back to 6%.","start":1306.11,"end":1308.4501,"sentiment":"neutral","sentiment_score":0.15904067953427634},{"text":"The s and p 500 is great.","start":1308.815,"end":1310.575,"sentiment":"positive","sentiment_score":0.589500972202846},{"text":"You have still got that.","start":1310.575,"end":1312.175,"sentiment":"positive","sentiment_score":0.36688600182533265}],"sentiment":"neutral","sentiment_score":0.2503973682794501,"num_words":34,"start":1302.1901,"end":1312.175},{"sentences":[{"text":"We wanna keep that, but we just wanna bring your exposure up a little bit.","start":1312.175,"end":1315.875,"sentiment":"neutral","sentiment_score":0.14802366296450298},{"text":"Your exposure's reduced to 28.","start":1316.175,"end":1318.175,"sentiment":"neutral","sentiment_score":0.11026474833488464},{"text":"We wanna have about 35%.","start":1318.175,"end":1319.855,"sentiment":"neutral","sentiment_score":0.24019610583782197},{"text":"So just putting some more money into the s and p five hundred.","start":1319.855,"end":1322.755,"sentiment":"neutral","sentiment_score":0.17493971150655013},{"text":"I know there has been a lot of people unsure about, you know, what's happening with The US and everything.","start":1323.01,"end":1327.97,"sentiment":"neutral","sentiment_score":-0.05685279173776507}],"sentiment":"neutral","sentiment_score":0.08810033845105048,"num_words":58,"start":1312.175,"end":1327.97},{"sentences":[{"text":"It is still a great place to be invested, and it has still seen great returns.","start":1327.97,"end":1331.91,"sentiment":"positive","sentiment_score":0.4870853815227747},{"text":"This is about going through those downtimes and going through the volatility that we have seen with them.","start":1332.45,"end":1337.1699,"sentiment":"neutral","sentiment_score":-0.17131345512138474},{"text":"Okay?","start":1337.1699,"end":1337.6699,"sentiment":"neutral","sentiment_score":0.0008706077933311462},{"text":"You've got the Raffy two hundred, sir, essentially mid cap stock there because we are selling out of Bannalong and buying into the a two hundred, but also gonna get rid of the Raffy.","start":1339.285,"end":1348.185,"sentiment":"neutral","sentiment_score":0.21960164102561333},{"text":"You don't need to be overexposed in Australian equities, and having the one investment makes cheaper and keeps you invested and diversified.","start":1348.405,"end":1355.14,"sentiment":"positive","sentiment_score":0.34432412446899846}],"sentiment":"neutral","sentiment_score":0.2170569346501277,"num_words":91,"start":1327.97,"end":1355.14},{"sentences":[{"text":"We've also gotten those ClearBridge infrastructure funds, so we're gonna remove that completely.","start":1356.48,"end":1361.14,"sentiment":"neutral","sentiment_score":0.16962356980030352},{"text":"Has been a good investment, but it is time to sell it off and just update the portfolio a little bit.","start":1361.76,"end":1367.055,"sentiment":"neutral","sentiment_score":-0.01306282462818282},{"text":"With selling off those investments at the end, once we complete the restructure, you will see about 7% in physical gold, about 6% in cybersecurity, about 35% in the s and p 500, The US exposure, 9% in Europe, 5% in Japan.","start":1368.015,"end":1384.46,"sentiment":"neutral","sentiment_score":0.12160776901457991},{"text":"We're also gonna include the all world excluding The US exposure, so 8% globally encompassing the entire globe minus The US, 25% in the Australian equities portion, and then 5% in bonds to key give you some defensive investments, which is gonna be really cool.","start":1384.84,"end":1401.595,"sentiment":"neutral","sentiment_score":0.245274829160836},{"text":"I will let you read through that because it is a lot.","start":1402.7749,"end":1405.835,"sentiment":"neutral","sentiment_score":0.10782313036421935}],"sentiment":"neutral","sentiment_score":0.14563577643182493,"num_words":133,"start":1356.48,"end":1405.835},{"sentences":[{"text":"But do you have any questions at the moment, Josh?","start":1406.88,"end":1409.4601,"sentiment":"neutral","sentiment_score":0.00707332082092762},{"text":"No?","start":1410.8,"end":1411.3,"sentiment":"neutral","sentiment_score":-0.03781113028526306},{"text":"All good.","start":1411.36,"end":1412.1001,"sentiment":"neutral","sentiment_score":0.23195894062519073},{"text":"Essentially, once we kinda go through that, we did look at the CGT consequences because just like you do a tax return every year, so this is super fun.","start":1414.16,"end":1421.835,"sentiment":"neutral","sentiment_score":0.19167016048369737},{"text":"To make the changes in the portfolio, we estimate the CGT to be $65.","start":1422.715,"end":1427.2749,"sentiment":"neutral","sentiment_score":0.07826660280781132}],"sentiment":"neutral","sentiment_score":0.1276965545091246,"num_words":56,"start":1406.88,"end":1427.2749},{"sentences":[{"text":"So not a bad CGT consequence at all.","start":1427.2749,"end":1430.735,"sentiment":"neutral","sentiment_score":-0.1157281226478517},{"text":"And investment fees by altering the portfolio, we can save you for the first year $350 in investment fees.","start":1432.955,"end":1439.4601,"sentiment":"neutral","sentiment_score":0.3325024011888002},{"text":"So a good saving on investment fees, more money staying inside your super working harder for you.","start":1439.4601,"end":1445.16,"sentiment":"positive","sentiment_score":0.49202895865720864},{"text":"And then, also, with the new policy with Zurich, we will cancel the policy.","start":1446.26,"end":1451.14,"sentiment":"neutral","sentiment_score":-0.12993482181004115},{"text":"So, essentially, the way this'll work is we'll start by doing the investment switch.","start":1451.14,"end":1454.6951,"sentiment":"neutral","sentiment_score":-0.027983069153768674}],"sentiment":"neutral","sentiment_score":0.16035225645949444,"num_words":72,"start":1427.2749,"end":1454.6951},{"sentences":[{"text":"We'll then get you to apply for the New Zurich insurance policy.","start":1454.755,"end":1457.9551,"sentiment":"neutral","sentiment_score":-0.015261507670705518},{"text":"Once that policy has been placed in force, we'll help you cancel the ClearView policy there as well.","start":1457.9551,"end":1464.535,"sentiment":"neutral","sentiment_score":-0.08739945499433412},{"text":"Okay?","start":1464.755,"end":1465.255,"sentiment":"neutral","sentiment_score":0.0025327494367957115},{"text":"Yep.","start":1466.4801,"end":1466.9801,"sentiment":"neutral","sentiment_score":0.07514559477567673},{"text":"Beautiful.","start":1467.12,"end":1467.62,"sentiment":"positive","sentiment_score":0.576866090297699}],"sentiment":"neutral","sentiment_score":-0.033387389316251785,"num_words":33,"start":1454.755,"end":1467.62},{"sentences":[{"text":"All good.","start":1468.0,"end":1468.8201,"sentiment":"positive","sentiment_score":0.5387946665287018},{"text":"All in all, the newer portfolio has also performed well.","start":1469.92,"end":1473.2001,"sentiment":"positive","sentiment_score":0.5173335015773773},{"text":"So one of the big things was that you used to be in more of a growth space.","start":1473.2001,"end":1476.3201,"sentiment":"neutral","sentiment_score":0.007852638554241922},{"text":"You wanted to take on a little bit more risk.","start":1476.3201,"end":1478.2401,"sentiment":"neutral","sentiment_score":-0.06371596939861775},{"text":"This newer portfolio is encompassing more of a high growth environment there.","start":1478.2401,"end":1482.185,"sentiment":"neutral","sentiment_score":0.08871144925554593}],"sentiment":"neutral","sentiment_score":0.13114710653630587,"num_words":52,"start":1468.0,"end":1482.185},{"sentences":[{"text":"It does have a five year rolling average showing it's retained about 11.86% on a yearly basis there.","start":1482.485,"end":1489.765,"sentiment":"neutral","sentiment_score":0.16534149481190574},{"text":"So this newer portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there.","start":1489.765,"end":1504.0599,"sentiment":"positive","sentiment_score":0.5326494984328747},{"text":"So all in all, it looks really good.","start":1504.0599,"end":1506.88,"sentiment":"positive","sentiment_score":0.7258409149944782},{"text":"Yeah.","start":1507.82,"end":1508.32,"sentiment":"positive","sentiment_score":0.42161840200424194},{"text":"Essentially, just go back and have a really good read through it.","start":1508.46,"end":1511.3049,"sentiment":"neutral","sentiment_score":0.27640525499979657}],"sentiment":"positive","sentiment_score":0.44196845722067485,"num_words":91,"start":1482.485,"end":1511.3049},{"sentences":[{"text":"Let me know if you do happen to have any questions there.","start":1511.3049,"end":1513.965,"sentiment":"neutral","sentiment_score":0.19161912550528845},{"text":"The only other thing I sorta had in here for you was just with your new Zurich life insurance policy, just making sure the beneficiary nominations are applied to that, and we'll help you set that up.","start":1514.345,"end":1523.86,"sentiment":"neutral","sentiment_score":0.14259096335720373},{"text":"I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you.","start":1523.86,"end":1532.36,"sentiment":"neutral","sentiment_score":0.1554989711991672},{"text":"Okay?","start":1532.5,"end":1533.0,"sentiment":"neutral","sentiment_score":0.08500193059444427},{"text":"Yeah.","start":1533.9401,"end":1534.4401,"sentiment":"neutral","sentiment_score":0.2639907896518707}],"sentiment":"neutral","sentiment_score":0.15542197544127703,"num_words":80,"start":1511.3049,"end":1534.4401},{"sentences":[{"text":"Awesome.","start":1534.66,"end":1535.16,"sentiment":"positive","sentiment_score":0.4622061252593994},{"text":"I know there is a lot to go through.","start":1535.875,"end":1537.315,"sentiment":"neutral","sentiment_score":0.13003829701079261},{"text":"Do you happen to have any questions at the moment?","start":1537.315,"end":1539.655,"sentiment":"neutral","sentiment_score":0.02009853646159172},{"text":"Or yeah.","start":1539.7949,"end":1542.855,"sentiment":"neutral","sentiment_score":-0.07761992141604424},{"text":"Thank you.","start":1543.955,"end":1544.595,"sentiment":"neutral","sentiment_score":-0.03868214786052704}],"sentiment":"neutral","sentiment_score":0.06670550101747115,"num_words":24,"start":1534.66,"end":1544.595},{"sentences":[{"text":"Thank you.","start":1544.595,"end":1545.075,"sentiment":"neutral","sentiment_score":0.14434337988495827},{"text":"Well, I'll let you go back and have a read through the document.","start":1545.075,"end":1547.395,"sentiment":"neutral","sentiment_score":0.09861447346898225},{"text":"Let me know if you do happen to have any questions there.","start":1547.395,"end":1549.895,"sentiment":"neutral","sentiment_score":0.10404161581148703},{"text":"We it does have all the advantages, disadvantages, risks involved, or anything, you know, additional that we might need to make note for you.","start":1550.7201,"end":1558.16,"sentiment":"neutral","sentiment_score":0.09578134391146402},{"text":"So you're welcome to have a really good read through that one.","start":1558.16,"end":1560.66,"sentiment":"neutral","sentiment_score":0.3009859099984169}],"sentiment":"neutral","sentiment_score":0.13856757902318523,"num_words":63,"start":1544.595,"end":1560.66},{"sentences":[{"text":"I've also got the ongoing service agreement there for you.","start":1561.28,"end":1564.16,"sentiment":"neutral","sentiment_score":0.22075796276330947},{"text":"So if you you know, we need to update that for the next twelve months as well.","start":1564.16,"end":1567.375,"sentiment":"neutral","sentiment_score":0.2031166483374203},{"text":"You do pay an ongoing service fee of 1.65% for us to update the advice, make sure everything's quite well and reflective there for you.","start":1567.375,"end":1574.995,"sentiment":"neutral","sentiment_score":0.2776617479324341},{"text":"If you can just, you know, have a look through those, sign and return those back for me, we can have them implemented nice and quickly for you.","start":1575.375,"end":1581.86,"sentiment":"positive","sentiment_score":0.3374532950775964},{"text":"Okay.","start":1581.86,"end":1582.36,"sentiment":"neutral","sentiment_score":0.19833289086818695}],"sentiment":"neutral","sentiment_score":0.2746806358113701,"num_words":81,"start":1561.28,"end":1582.36},{"sentences":[{"text":"Fantastic.","start":1584.4199,"end":1584.9199,"sentiment":"positive","sentiment_score":0.6430536508560181},{"text":"All good.","start":1585.5399,"end":1586.2799,"sentiment":"positive","sentiment_score":0.5700200498104095},{"text":"That's basically everything I needed to go through with you there.","start":1587.1399,"end":1590.6,"sentiment":"positive","sentiment_score":0.3384109518744729},{"text":"Is there any questions or anything else that you might need from me at the moment?","start":1591.125,"end":1594.5651,"sentiment":"neutral","sentiment_score":0.15444001252762973},{"text":"Is anything kinda popped up additional?","start":1594.5651,"end":1596.585,"sentiment":"neutral","sentiment_score":-0.014574119665970406}],"sentiment":"neutral","sentiment_score":0.21914471398728588,"num_words":36,"start":1584.4199,"end":1596.585},{"sentences":[{"text":"Or no.","start":1596.805,"end":1599.865,"sentiment":"neutral","sentiment_score":-0.009621327742934227},{"text":"That's okay.","start":1600.245,"end":1601.0651,"sentiment":"neutral","sentiment_score":0.1811842918395996},{"text":"All good.","start":1601.125,"end":1601.845,"sentiment":"positive","sentiment_score":0.35327231884002686},{"text":"Well, feel free to read through the document.","start":1601.845,"end":1603.365,"sentiment":"neutral","sentiment_score":0.11867553368210793},{"text":"Let me know if there's any questions that pop up.","start":1603.365,"end":1605.33,"sentiment":"neutral","sentiment_score":0.1228060208261013}],"sentiment":"neutral","sentiment_score":0.13446396014963588,"num_words":24,"start":1596.805,"end":1605.33},{"sentences":[{"text":"And, yeah, hopefully, it pops through to you fairly soon.","start":1605.73,"end":1607.89,"sentiment":"neutral","sentiment_score":0.12544787302613258},{"text":"If it doesn't, just let me know, and we can always resend it through.","start":1607.89,"end":1611.0299,"sentiment":"neutral","sentiment_score":0.006367220543324947},{"text":"Okay?","start":1611.09,"end":1611.59,"sentiment":"neutral","sentiment_score":0.037006355822086334},{"text":"Fantastic.","start":1613.6499,"end":1614.1499,"sentiment":"positive","sentiment_score":0.6168687343597412},{"text":"My pleasure, Josh.","start":1614.37,"end":1615.33,"sentiment":"positive","sentiment_score":0.45328488945961}],"sentiment":"neutral","sentiment_score":0.11577067504925974,"num_words":29,"start":1605.73,"end":1615.33},{"sentences":[{"text":"I'll let you go for the afternoon.","start":1615.33,"end":1616.61,"sentiment":"neutral","sentiment_score":0.25650752016476225},{"text":"Have you got a few more hours of work, or are you nearly done?","start":1616.61,"end":1619.59,"sentiment":"neutral","sentiment_score":0.06049695531172412},{"text":"Well, thank you so much for taking the time to take my call.","start":1622.785,"end":1625.345,"sentiment":"positive","sentiment_score":0.6182461335108831},{"text":"I appreciate it.","start":1625.345,"end":1626.225,"sentiment":"positive","sentiment_score":0.6097871462504069},{"text":"I know your time is very precious.","start":1626.225,"end":1628.005,"sentiment":"positive","sentiment_score":0.5313463892255511}],"sentiment":"positive","sentiment_score":0.36882945260202343,"num_words":44,"start":1615.33,"end":1628.005},{"sentences":[{"text":"So, yeah, we'll no worries at all.","start":1628.785,"end":1631.391,"sentiment":"positive","sentiment_score":0.34721493295260836},{"text":"You have a great afternoon.","start":1631.391,"end":1632.6709,"sentiment":"positive","sentiment_score":0.5743396639823913},{"text":"I'll talk to you soon.","start":1632.6709,"end":1633.891,"sentiment":"neutral","sentiment_score":0.3242161810398102},{"text":"Thanks, Josh.","start":1635.5509,"end":1636.271,"sentiment":"neutral","sentiment_score":0.32989582419395447},{"text":"See you later.","start":1636.271,"end":1637.011,"sentiment":"neutral","sentiment_score":0.23036880791187286}],"sentiment":"positive","sentiment_score":0.3760991739955815,"num_words":22,"start":1628.785,"end":1637.011}]}}]},{"alternatives":[{"transcript":"Hello. Josh speaking. Hello? Yeah. I can hear you. How are you going? Yeah. Yeah. Going well. Thank you. Yeah. Day's good. Yeah. Yeah. Yeah. I am. Yes. Yeah. That's fine. Joshua Daskinvski. Fifteen of the fifth nineteen ninety two. Eighteen Dwire Crescent, Bellbridge, Vic 367 Avenue. Yeah. It's all, yeah, it's all growing well and building. It's down crazy, which is good. Yeah. No. It's real good actually at the moment. Yeah. That's it. Yeah. Yeah. Definitely. Yeah. No. Definitely. Yeah. Not coming through on me. Fine. I'll just go to my compute. I'm safe to come through on me. I'm not I've got someone on the computer doing something. Yeah. Okay. Okay. Yes. Yes. Yes. That's fine. Yes. Yeah. Yes. Yep. Yes. Yes. Oh, what was that? Sorry? Two thousand 98. Yes. Nice. Yeah. Yes. Yes. Yeah. Yep. Cool. Yes. Yes. Okay. Definitely. Thank you. Yeah. No. That's great. No. That's yeah. Pretty much covered it all. I don't really have any questions. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yep. Yes. Yes. Oh, yeah. Cool. Yeah. Yes. Yeah. Yeah. Cool. With the trauma, so that's a year a year's paid out. Paid out for a year's up to a year. Yeah. Yes. Yes. Yes. Yes. Alright. Yeah. Yeah. Cool. That's alright. I'll have a look at that. That's it. Yes. Yeah. Cool. No. No. No. That's pretty good. Thank you. Yeah. Okay. Yeah. Yeah. Yeah. Yes. Yes. Yeah. Yes. Yeah. Yeah. Alright. Cool. Yes. Yes. Yes. Yeah. Yeah. Cool. Yes. Yeah. Yep. Alright. Yes. Beautiful. Yeah. Two. Alright. Cool. Yes. Yeah. Yes. Cool. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No Yes. Yep. Of course. Yeah. No. That's all good at the moment. Thank you. Yes. No worries. Thank you. Yeah. Couple more hours and then home. Yep. All good. I appreciate it. Thank you. 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Josh speaking. Hello? Yeah. I can hear you.\n\nHow are you going? Yeah. Yeah. Going well. Thank you.\n\nYeah. Day's good. Yeah. Yeah. Yeah.\n\nI am. Yes. Yeah. That's fine. Joshua Daskinvski.\n\nFifteen of the fifth nineteen ninety two. Eighteen Dwire Crescent, Bellbridge, Vic 367 Avenue. Yeah. It's all, yeah, it's all growing well and building. It's down crazy, which is good.\n\nYeah. No. It's real good actually at the moment. Yeah. That's it.\n\nYeah. Yeah. Definitely. Yeah. No.\n\nDefinitely. Yeah. Not coming through on me. Fine. I'll just go to my compute.\n\nI'm safe to come through on me. I'm not I've got someone on the computer doing something. Yeah. Okay. Okay.\n\nYes. Yes. Yes. That's fine. Yes.\n\nYeah. Yes. Yep. Yes. Yes.\n\nOh, what was that? Sorry? Two thousand 98. Yes. Nice.\n\nYeah. Yes. Yes. Yeah. Yep.\n\nCool. Yes. Yes. Okay. Definitely.\n\nThank you. Yeah. No. That's great. No.\n\nThat's yeah. Pretty much covered it all. I don't really have any questions. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYep. Yes. Yes. Oh, yeah. Cool.\n\nYeah. Yes. Yeah. Yeah. Cool.\n\nWith the trauma, so that's a year a year's paid out. Paid out for a year's up to a year. Yeah. Yes. Yes.\n\nYes. Yes. Alright. Yeah. Yeah.\n\nCool. That's alright. I'll have a look at that. That's it. Yes.\n\nYeah. Cool. No. No. No.\n\nThat's pretty good. Thank you. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yes. Yes. Yeah.\n\nYes. Yeah. Yeah. Alright. Cool.\n\nYes. Yes. Yes. Yeah. Yeah.\n\nCool. Yes. Yeah. Yep. Alright.\n\nYes. Beautiful. Yeah. Two. Alright.\n\nCool. Yes. Yeah. Yes. Cool.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No Yes. Yep. Of course.\n\nYeah. No. That's all good at the moment. Thank you. Yes.\n\nNo worries. Thank you. Yeah. Couple more hours and then home. Yep.\n\nAll good. I appreciate it. Thank you. 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Josh speaking. Hello?\n\nChannel 0: Hi, Josh. Hi, Josh. It's Dana from Oakview Financial. Can you hear me okay?\n\nChannel 1: Yeah. I can hear you. How are you going?\n\nChannel 0: Oh, all good. I'm good. Thank you. How are you doing? How's the\n\nChannel 1: Yeah.\n\nChannel 0: day been?\n\nChannel 1: Yeah. Going well. Thank you. Yeah. Day's good.\n\nChannel 0: Oh, that's good. I had you booked in just to run through your updated advice document. This is some changes to your super insurance that we discussed last conversation. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh, legend. All good. I just I'm gonna email the document through to you as well. Are you able to review your emails? If you're not, honestly, it is okay.\n\nI just need to confirm. Are you able to look at the emails at all?\n\nChannel 1: Yeah. I am. Yes.\n\nChannel 0: Yeah. Legend. Excellent. Perfect. So just sending this one through to you.\n\nSo sorry if my hopefully, my email's come through fairly quickly. Just while it is coming through, can I just get you to confirm that you're happy for us to record the call moving forward? We do record our calls for training and quality purposes as well. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Legend. And, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I should\n\nChannel 1: Joshua\n\nChannel 0: have\n\nChannel 1: Daskinvski.\n\nChannel 0: on file. Yep.\n\nChannel 1: Fifteen of the fifth nineteen ninety two.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Eighteen Dwire Crescent, Bellbridge,\n\nChannel 0: Legend.\n\nChannel 1: Vic 367 Avenue.\n\nChannel 0: Thank you so much for that. Now I have sent that one through. Hopefully, it comes through fairly quickly there for you. I know technology can be a little bit of a pain sometimes. So if it doesn't, let me know.\n\nI can always press resend for you. There we go. And how's work been going? I know there's been a few changes with everything in the business. How is it all growing and building, or how's it\n\nChannel 1: Yeah.\n\nChannel 0: all been\n\nChannel 1: It's\n\nChannel 0: going?\n\nChannel 1: all, yeah, it's all growing well and building.\n\nChannel 0: Fantastic.\n\nChannel 1: It's down crazy, which is good.\n\nChannel 0: Oh, that's excellent, honestly.\n\nChannel 1: Yeah. No. It's real good actually at the moment.\n\nChannel 0: Fantastic. And, hopefully, just to keep building it over the next twelve months as well?\n\nChannel 1: Yeah. That's it. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Definitely.\n\nChannel 0: Excellent. Fantastic. So good to hear. I know it was probably one of your main focuses last year when we sort of caught up was about just\n\nChannel 1: Yeah.\n\nChannel 0: building a business and growing it. So it's good if you're crazy busy. I mean, it's, you know, keeps\n\nChannel 1: No.\n\nChannel 0: you occupied.\n\nChannel 1: Definitely.\n\nChannel 0: Absolutely. Now just let me know if that one has come through. It also, just double check your junk mail as well. Sometimes it does go through to there.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Not coming through on me. Fine. I'll just go to my compute. I'm safe to come through on me.\n\nChannel 0: Yeah. Yeah. You're right. Not an issue.\n\nChannel 1: I'm not I've got someone on the computer doing something.\n\nChannel 0: That's okay. If you wanted to, I can just run through the advice there for you. I'll try to keep\n\nChannel 1: Yeah.\n\nChannel 0: it as simple as possible. And then you can go back and have a really good read of it later as far as sometimes when I run through the document, I'm throwing a lot of numbers and things at you. So I'll try to keep it as simple as I can and then\n\nChannel 1: Okay.\n\nChannel 0: allow you to go back and have a really good read of it. And then just come back and let me know if you do happen to have any questions. Okay?\n\nChannel 1: Okay. Yes.\n\nChannel 0: Excellent. So with this one here, Josh, it does say on the front page that when you do see the document has been prepared for yourself as of the 07/08/2026 there. My authorized representative number is on the document for you. It is 1304394, and I have a quote attached on the Odoo sign, the financial services guide, which also outlines everything about who I am as an adviser and all my registration information there for you as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Now all of that advice is provided in best interest to you. So, essentially, we go through the annual reviews and update your goals to make sure the advice remains appropriate, and any changes need to be linked back to your goals. Essentially, any advice provided does need to be in the best interest of you and working towards your goals. So as part of the document, as you are reading through that, you'll notice we do have a best interest duty statement on each of the recommendations, which links it back to your goals and notes why the advice is in your best interest. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Now last time, when Samantha touched base last Wednesday, I know I originally had you booked in then. I'm so, so sorry. You mentioned\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: fine.\n\nChannel 0: your income was about a 122,000, so it was a lower estimate than what we had originally. We had a 135 noted originally. So we just had to update the income protection quotes with Clearview. Unfortunately, we were unable to get the quote due by the end of the day when we were due to present the advice, so it did mean just moving it forward to this week for you. So I do apologize on that one, but just to make sure the information's accurate for you there.\n\nExcellent. As you are reviewing the document, we do outline your assets and liabilities as we had noted. And I know Samantha did update those with you as you spoke to her via email the other week. Feel free to have a look at those. If there's any major changes, please do let me know.\n\nI'm more than happy to update it on our end for you. And we've\n\nChannel 1: Yes.\n\nChannel 0: also got your current income your current life insurance policy there. So at the moment, you do have life TBD income protection through ClearView. At the moment, you have about one one million one hundred and fifty seven thousand three twenty nine of life and TBD, and you have income protection with a sum insured or a monthly benefit of 6,216. It's on a thirty day wait and a five year benefit period. One of the things we sort of talked about was you were happy with the life and TPD cover.\n\nYou had the level of cover, but your income protection was a bit low. So you weren't really covered for the full amount that you were able to based on your income, and you can\n\nChannel 1: Yeah.\n\nChannel 0: be covered for up to 70% there. So we do wanna go back and have a look at increasing your income protection there for you. We did, as part of this, go and have a look at what it looks like to increase with ClearView, which is your current insurer. We did also look at other insurers out there because whilst whilst increasing with the current provider does limit the underwriting to just the increase, it also can be more expensive depending on the provider as well. So it actually came\n\nChannel 1: Yes.\n\nChannel 0: out that Clearview was gonna be a lot more expensive than other providers out there. So I've actually recommended that we do go with a new provider and apply for new cover. So I'm actually\n\nChannel 1: Yep.\n\nChannel 0: just quickly pulling up the quote for you. The current the quote to increase with Clearview ended up being over 3,000 roughly about $3,400. So it was quite an increase on the premium policy.\n\nChannel 1: Yes.\n\nChannel 0: So what I've essentially gone down is I've gone back, and we've used your last pre assessment, and we've gone that back and done a bit of a pre assessment with the other providers to see essentially what they might offer in the way of terms. Now on your current policy, you do have an exclusion, which is essentially noted for your knee. Sorry. I'm just going down here. If you're fine in your knee, with\n\nChannel 1: Yes.\n\nChannel 0: any other provider out there, those exclusions will still apply. But because it looks like there's been no other changes in your health, we're not expecting any additional ex exclusions or loading. So it does mean that essentially applying for a new cover is gonna be a lot cheaper. Instead of having a premium of over $3,000 on a yearly basis to be able to increase your income protection, we can apply for new cover with for life TBD, the same sum insured you have now, and also a higher level of income protection with Zurich. And it kinda comes out to $2,288.39 for the year.\n\nSo it's\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: what\n\nChannel 0: much\n\nChannel 1: was that?\n\nChannel 0: cheaper\n\nChannel 1: Sorry? Two\n\nChannel 0: premium.\n\nChannel 1: thousand\n\nChannel 0: Two thousand two hundred and eighty eight dollars and thirty nine cents.\n\nChannel 1: 98. Yes. Nice.\n\nChannel 0: Yeah. So it's actually a lot cheaper. It gives you a higher level of cover, and it does mean going back to a new application to reinstate life, safety, and income protection. But there's\n\nChannel 1: Yeah.\n\nChannel 0: no real disadvantage here unless you have major changes to your life or your health. Hopefully, you're still nice and healthy. But, essentially, what we expect with the loading and the exclusions and to be exactly the same as what you currently have on your policy. So because we don't expect anything different between the providers, getting the new insurer with new insurance cover with Zurich works out to your benefit, gives you more income\n\nChannel 1: Yes.\n\nChannel 0: protection, the same level of life and TPD. It still has the\n\nChannel 1: Yes.\n\nChannel 0: thirty day wait and the five year benefit period for you. It's just that it's a much cheaper premium. So at the end of the day, it means you have less money coming out of your super and, you know, more money retained in your super growing and compounding for you at the end of the day. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. As I kinda mentioned, does mean that, obviously, it is a cheaper policy, so it does benefit you. We have checked\n\nChannel 1: Cool.\n\nChannel 0: the loadings and exclusions, so we do know what's expected on the policy. There is obviously the risk that if you go to application that there have been changes in your health since we last have done the pre assessment, that there could be other loadings or exclusions. But once he goes through the application process with my team, they will flag it with me if there's anything different, and I will review before we submit. So we can always come back and reassess down the track if we have to.\n\nChannel 1: Yes.\n\nChannel 0: It's insurances are essentially one of the biggest risks we do have with insurances is that we pay for the premiums. We get to retirement. We've never claimed on them. The insurances get canceled or they expire, and we don't actually get any of the benefit of them. So we just wanna make sure that each year we review these covers, that their insurances remain in line with your needs, and that we review them as regularly as possible, and that we keep the premiums as cheap as possible as well.\n\nBecause one of the biggest things is these premiums are steps. It does mean that they will increase over time as your as you get older, as you get closer as the risk of you as you get closer to retirement, sorry, the risk of you making a claim increases. So these policies do get more and more expensive over time. So we just wanna keep\n\nChannel 1: Yes.\n\nChannel 0: reviewing those, keep them as cheap as we possibly can, and, look, honestly, if we can save a few $100 on a yearly basis and, you know, you know, get you a new level of cover that provides a greater benefit to you and is more in line with your needs, then it's absolutely a benefit to you.\n\nChannel 1: Okay. Definitely. Thank you.\n\nChannel 0: Yeah. Yeah. That's okay. Do you have any questions about the insurances so far? I will let you go back and read it.\n\nI'll try to sort of keep it as you know, try to give you as much information as I can without\n\nChannel 1: Yeah.\n\nChannel 0: overwhelming\n\nChannel 1: No. That's\n\nChannel 0: you\n\nChannel 1: great.\n\nChannel 0: and\n\nChannel 1: No.\n\nChannel 0: talking\n\nChannel 1: That's\n\nChannel 0: at you.\n\nChannel 1: yeah. Pretty much covered it all. I don't really have any questions.\n\nChannel 0: Yeah. That's okay. The other thing you do wanna look at was obviously getting a bit of trauma as well. So if you remember back to our last conversation, trauma pays out a lump sum tax free benefit in the event that you're diagnosed with a major condition that covers things like cancer, heart attacks, known to like, motor neurone disease or Parkinson's disease, or other neurology not sorry. Neurological conditions.\n\nChannel 1: Yes.\n\nChannel 0: Essentially, trauma is an out of pocket cost. So you wanted me to have a look and show you what trauma looks like. I\n\nChannel 1: Yes.\n\nChannel 0: did do so. What I've essentially done to try and make trauma more cost effective for you is I've also linked a little bit of life to it. So we are looking to because your income back when we spoke was about 135,000. I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma. It just means you get that extra sort of benefit in the event that something happens.\n\nIt gives you a little bit more than a year's worth of income to take some time off if you're diagnosed with something, work out what you wanna do, continue to pay your bills, and just sort\n\nChannel 1: Yes.\n\nChannel 0: of work out what you're needing to do moving forward there.\n\nChannel 1: Yes.\n\nChannel 0: So with trauma, it is an out of pocket expense. It does mean you'll just pay the benefit on a monthly basis out of your bank account or your credit card, however you're comfortable to do so.\n\nChannel 1: Yes.\n\nChannel 0: We've linked a bit of life cover too that the reason for linking life to it at the same amount, the sum insured of a 135,000, is that by linking life to trauma, you get a multi policy discount. Having the trauma trauma stand alone actually makes the policy more expensive. So linking\n\nChannel 1: Yes.\n\nChannel 0: a little bit of life to the policy means that in the event of a traumatic condition, you're able to claim on the trauma benefit. But then if you then pass away, whilst your life insurance out inside of super pays out to your beneficiaries, you also have this extra bit of life cover to sort of fall back on as well. One\n\nChannel 1: Yes.\n\nChannel 0: of the main benefits to having life cover outside of super is that you also get access to funeral expenses. This is a benefit that you don't get access to when you hold life insurance inside super, but it means\n\nChannel 1: Yep.\n\nChannel 0: that if in the event that you would have passed away by having the trauma benefit outside of super and that life cover outside of super. Your beneficiary can claim the funeral benefit, and they get that money paid out to them generally within twenty four hours of providing a death certificate. So it's\n\nChannel 1: Yes.\n\nChannel 0: an extra benefit to having a little bit of life cover paid outside of super there, and we can keep reviewing those covers. To hold the trauma and the life cover outside of super, it's noted here that we would expect the premium to to be about $19.92 on a monthly basis there. So very small premium to hold\n\nChannel 1: Yes.\n\nChannel 0: a 135,000 worth of trauma and a extra bit of life cover outside of super for you as well. Okay?\n\nChannel 1: Oh, yeah. Cool.\n\nChannel 0: Yeah. All good. As noted, I do have the best interest duty there for you. Have a bit of a read through that. Do let me know if you do happen to have any questions.\n\nChannel 1: Yeah.\n\nChannel 0: I know with the trauma, the conversation there was that, essentially, you wanted to see what that would look like, what the cost of it would look like, and then you're welcome to decide whether you're able to take on the trauma or not.\n\nChannel 1: Yes.\n\nChannel 0: On the last page of the advice document, we do have a little text box. So if you decide you're not comfortable, you know, your expenditure is a little bit tight at the moment with the cost of living, that you're not really able to cover the trauma and you wanna maybe just disregard that part of the advice, that's definitely fine. Just make a note on the last page there, and we'll make sure we adhere to that for you. Okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Cool. Do you have any questions about the insurances so far?\n\nChannel 1: With the trauma, so that's a year a year's paid out. Paid out\n\nChannel 0: Yep.\n\nChannel 1: for a year's up to a year.\n\nChannel 0: Yeah. So we recommended just a year's worth of income based on the last income estimate of 135,000. So now it's a 122. We can always reduce that if we needed if you wanted to as well.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, I mean, some people do prefer to have a higher amount of trauma. It's more just about what you wanna have paid at, what you think you might need to, you know, take time off or what you might wanna have paid at in the event of a traumatic diagnosis. So some\n\nChannel 1: Yes.\n\nChannel 0: people do prefer just to have one year's worth of living expenses or one year's worth of income, which gives them twelve months to take time off work, look at maybe recovery periods, cover their expenditure, maybe focus on their family and health and whatever they need to that time frame. Other people do prefer to maybe cover the cost of mortgages and things like that or to cover, you know, a couple of years of\n\nChannel 1: Yes.\n\nChannel 0: living expenses.\n\nChannel 1: Yes.\n\nChannel 0: So it's very much an individual decision, but that's just\n\nChannel 1: Yes.\n\nChannel 0: to show you what it would look like based on our last conversation. If you wanted additional quotes, you're welcome to let me\n\nChannel 1: Alright.\n\nChannel 0: know, and I can always draw something up for you.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: That's alright. I'll have a look at that.\n\nChannel 0: Absolutely. And with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens. I want you to get to retirement. You enjoy your life.\n\nChannel 1: That's\n\nChannel 0: But\n\nChannel 1: it.\n\nChannel 0: in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral. So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits. That means that in you without having that extra bit of life cover, with only having a life held inside super if you were to pass away, your family would have to cover the cost of your funeral or, you know, find\n\nChannel 1: Yes.\n\nChannel 0: some money to fall back on and then be reimbursed later. So this just kinda gives that as as that extra benefit. It also does give them, you know, a bit of additional grief. You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits. These policies do go through renewal every year and to increase.\n\nYou get future increases as it goes through renewal. But, again, the same as with this policy, it will get more expensive the older you get. So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Perfect. Is there any questions that have come out of that at all? Does that sound\n\nChannel 1: No.\n\nChannel 0: fairly\n\nChannel 1: No. No.\n\nChannel 0: straightforward?\n\nChannel 1: That's pretty\n\nChannel 0: Yep.\n\nChannel 1: good. Thank you.\n\nChannel 0: Beautiful. All good. I will let you go back and have a really good read of that, but let me know if there's\n\nChannel 1: Yeah.\n\nChannel 0: any additional questions that come out of the insurance side of things. If you like a bit of a reading material, I've also got the product disclosure statements attached for Zurich and for your current provider. It would be Super Hub 24 as well, so you're welcome to run your eyes over those. It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work. It's quite interesting if you're into a bit of reading material.\n\nSo they are attached for you. Not everyone's that interested, but feel free\n\nChannel 1: Okay.\n\nChannel 0: to run your eyes over. All good, Josh. Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you.\n\nChannel 1: Yeah.\n\nChannel 0: We have sort of noted there have been some changes in the market. Your super has been doing really well over the last few years, but I did notice there has been some underperforming investments. So I wanted to go back and just make some changes there for you. I don't\n\nChannel 1: Yeah.\n\nChannel 0: want you to be in anything underperforming. Wanna make sure your super is working as hard as possible for you.\n\nChannel 1: Yeah.\n\nChannel 0: So when I kinda reviewed things, I am gonna make some changes to the investments. So keeping Hub twenty four, I did review the platform. There's been no major changes that we need to kind of alter or make changes to the platform at the moment. But with the underlying investments there, we are essentially going to look to sell off the bank hybrids. They are more of a defensive investment for you.\n\nThink of them like bonds, essentially. You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back. These sorts of investments are lower risk in nature, but they also tend to get a lower rate of return.\n\nChannel 1: Yes.\n\nChannel 0: So these are the bank hybrids. They're more of a more of a complex investment. Essentially, they are being phased out by the government over the next few years. So whilst I did note there were some underperforming investments we need to maybe look at making some alterations to, I felt it was best to maybe look at removing these now, replacing them with something else, and then let rather than having to wait till down the track when we have to make those changes quickly and then having\n\nChannel 1: Yes.\n\nChannel 0: to make changes to your portfolio then if we don't need to. So just sort of working out which is the best way for you.\n\nChannel 1: Yeah.\n\nChannel 0: Removing them now is absolutely fine and great. So we are looking to sell all the bank hybrids down. We're gonna replace them with core composite bonds. So very similar sort of investment of the bonds. So bonds this encompasses both government and corporate bonds for you.\n\nEssentially, it does provide income payments. They're just more of a simplified investment, and we're gonna keep about 5% of your portfolio in the core composite bond side of things. We also noticed here that the Benelong Australian Equities. So you probably remember you have had Benelong in your portfolio for the last couple of years. Benelon\n\nChannel 1: Yes.\n\nChannel 0: has unfortunately had some underperformance this year. They've had some issues with the underlying investments, and they have not been able to come out of that. So our investment committee had a look at things, and they decided it was worth removing that from everyone's portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: They want us to be underperforming and, essentially, with standalone being removed, we needed to replace that to keep your estate equities portion. So we're gonna replace that with the beta shares a 200. Essentially,\n\nChannel 1: Yeah.\n\nChannel 0: we wanna hold about 25% of your portfolio in that investment. One of the benefits to replacing it with a 200 is that Benelon generally hold between 15 to 25 different investments depending on what is happening within that portfolio. With having the a 200, you're actually increasing a diversification in your exposure because you're tracking the top 200 companies on the ASX. So it is increasing diversification, helping to lower the overall risk of your portfolio, and it's actually cheaper investment as well, which is really important. So more money left in your super working harder for you.\n\nOkay?\n\nChannel 1: Alright. Cool.\n\nChannel 0: Yeah. Other areas that we are gonna look at replacing, our agriculture has done really, really well, but we are just gonna remove that from the portfolio. We're gonna keep you as mythical gold, but just sell some of that. You're a little bit over exposed at the moment. We wanna hold about 7%.\n\nYou currently have about 13%. So\n\nChannel 1: Yes.\n\nChannel 0: it has seen some really good gains with gold because there's no income coming out of that. We just wanna cement the gains that have been generated and reestablish, essentially, just put the money into other areas for you as well.\n\nChannel 1: Yes.\n\nChannel 0: We have also got some cybersecurity. We wanna keep that. You're about 6.9 there at the moment to sell. Some of that often bring you back to 6%. The s and p 500 is great.\n\nYou have still got that. We wanna keep that, but we just wanna bring your exposure up a little bit. Your exposure's reduced to 28. We wanna have about 35%. So just putting some more money into the s and p five hundred.\n\nI know there\n\nChannel 1: Yes.\n\nChannel 0: has been a lot of people unsure about, you know, what's happening with The US and everything. It is still a great place to be invested, and it has still seen great returns.\n\nChannel 1: Yeah.\n\nChannel 0: This is about going through those downtimes and going through the volatility that we have seen with them. Okay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: You've got the Raffy two hundred, sir, essentially mid cap stock there because we are selling out of Bannalong and buying into the a two hundred, but also gonna get rid of the Raffy. You don't need to be overexposed in Australian equities, and having the one investment makes cheaper and keeps you invested and diversified.\n\nChannel 1: Yes.\n\nChannel 0: We've also gotten those ClearBridge infrastructure funds, so we're gonna remove that completely. Has been a good investment, but it is time to sell it off and just update the portfolio a little bit. With selling off those investments at the end, once we complete the restructure, you will see about 7% in physical gold, about 6% in cybersecurity, about 35% in the s and p 500, The US exposure, 9% in Europe, 5% in Japan. We're also gonna include the all world excluding The US exposure, so 8% globally encompassing the entire globe minus The US, 25% in the Australian equities portion, and then 5% in bonds to key give you some defensive investments, which is gonna be really cool.\n\nChannel 1: Yeah.\n\nChannel 0: I will let you read through that because it is a lot. But do you have any questions at the moment, Josh? No? All good. Essentially, once we kinda go through that, we did look at the CGT consequences because just like you do a tax return every year, so this is super fun.\n\nChannel 1: Yep.\n\nChannel 0: To make the changes in the portfolio, we estimate the CGT to be $65. So not\n\nChannel 1: Alright.\n\nChannel 0: a bad CGT consequence at all.\n\nChannel 1: Yes.\n\nChannel 0: And investment fees by altering the portfolio, we can save you for the first year $350 in investment fees. So a good saving on investment fees, more money staying inside your super working harder for you.\n\nChannel 1: Beautiful.\n\nChannel 0: And then, also, with the new policy with Zurich, we will cancel the policy. So, essentially, the way this'll work is we'll start by doing the investment switch. We'll then get you to apply for the New Zurich insurance policy. Once that policy has been placed in force, we'll help you cancel the ClearView policy there as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Two.\n\nChannel 0: Beautiful. All good. All in all, the newer portfolio has also performed well. So one of the big things was that you used to be in more of a growth space. You wanted to take on a little bit more risk.\n\nThis newer portfolio is encompassing more of a high growth environment there. It does have a five year rolling average showing it's retained about 11.86% on a yearly basis there. So\n\nChannel 1: Alright.\n\nChannel 0: this\n\nChannel 1: Cool.\n\nChannel 0: newer portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there. So\n\nChannel 1: Yes.\n\nChannel 0: all in all, it looks really good. Yeah. Essentially, just go back and have a really good read through it. Let me know if you do happen to have any questions there. The only other thing I sorta had in here for you was just with your new Zurich life insurance policy, just making sure the beneficiary nominations are applied to that, and we'll\n\nChannel 1: Yeah.\n\nChannel 0: help you set that up. I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you. Okay?\n\nChannel 1: Yes. Cool.\n\nChannel 0: Yeah. Awesome. I know there is a lot to go through. Do you happen to have any questions at the moment? Or\n\nChannel 1: No. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo.\n\nChannel 0: yeah.\n\nChannel 1: No. No. No. No. No.\n\nNo. No\n\nChannel 0: Thank you. Thank you. Well, I'll let you go back and have a read through the document. Let me know if you do happen to have any questions there. We it does have all the advantages, disadvantages, risks involved, or anything, you know, additional that we might need to make note for you.\n\nSo you're welcome to have a really good read through that one.\n\nChannel 1: Yes.\n\nChannel 0: I've also got the ongoing service agreement there for you. So if you you know, we need to update that for the next twelve months as well. You do pay an ongoing service fee of 1.65% for us to update the advice, make sure everything's quite well and reflective there for you. If you can just, you know, have a look through those, sign and return those back for me, we can have them implemented nice and quickly for you. Okay.\n\nChannel 1: Yep. Of course.\n\nChannel 0: Fantastic. All good. That's basically everything I needed to go through with you there. Is there any questions or anything else that you might need from me at the moment? Is anything kinda popped up additional?\n\nOr\n\nChannel 1: Yeah. No. That's all good at the moment. Thank\n\nChannel 0: no.\n\nChannel 1: you.\n\nChannel 0: That's okay. All good. Well, feel free to read through the document. Let me know if there's any questions that pop up. And, yeah, hopefully, it pops through to you fairly soon.\n\nIf it doesn't, just let me know, and we can always resend it through. Okay?\n\nChannel 1: Yes. No worries. Thank you.\n\nChannel 0: Fantastic. My pleasure, Josh. I'll let you go for the afternoon. Have you got a few more hours of work, or are you nearly\n\nChannel 1: Yeah.\n\nChannel 0: done?\n\nChannel 1: Couple more hours and then home. Yep.\n\nChannel 0: Well, thank you so much for taking the time to take my call. I appreciate it. I know your time is very precious.\n\nChannel 1: All\n\nChannel 0: So,\n\nChannel 1: good.\n\nChannel 0: yeah,\n\nChannel 1: I\n\nChannel 0: we'll\n\nChannel 1: appreciate it.\n\nChannel 0: no worries at all. You have a great afternoon. I'll talk to you soon.\n\nChannel 1: Thank you. Bye.\n\nChannel 0: Thanks, Josh. See you later.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.56,"sentiment":"neutral","sentiment_score":0.01096760667860508},{"text":"Josh speaking.","start":0.56,"end":1.38,"sentiment":"neutral","sentiment_score":0.008774425834417343},{"text":"Hello?","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":0.013587255030870438}],"sentiment":"neutral","sentiment_score":0.010525928344577551,"channel":1,"num_words":4,"start":0.39999998,"end":8.74},{"sentences":[{"text":"Hi, Josh.","start":8.72,"end":9.46,"sentiment":"neutral","sentiment_score":0.041340047493577003},{"text":"Hi, Josh.","start":9.5199995,"end":10.0,"sentiment":"neutral","sentiment_score":0.07380444183945656},{"text":"It's Dana from Oakview Financial.","start":10.0,"end":11.62,"sentiment":"neutral","sentiment_score":0.08380374759435653},{"text":"Can you hear me okay?","start":11.759999,"end":12.98,"sentiment":"neutral","sentiment_score":0.0514665849506855}],"sentiment":"neutral","sentiment_score":0.06476004581366267,"channel":0,"num_words":14,"start":8.72,"end":12.98},{"sentences":[{"text":"Yeah.","start":12.745,"end":13.065001,"sentiment":"neutral","sentiment_score":0.07775220274925232},{"text":"I can hear you.","start":13.065001,"end":13.945,"sentiment":"neutral","sentiment_score":0.08419021032750607},{"text":"How are you going?","start":13.945,"end":14.845,"sentiment":"neutral","sentiment_score":0.17384029179811478}],"sentiment":"neutral","sentiment_score":0.1233193568057484,"channel":1,"num_words":9,"start":12.745,"end":14.845},{"sentences":[{"text":"Oh, all good.","start":15.055,"end":15.695,"sentiment":"positive","sentiment_score":0.4528550406297048},{"text":"I'm good.","start":15.695,"end":16.095,"sentiment":"positive","sentiment_score":0.5740857422351837},{"text":"Thank you.","start":16.095,"end":16.415,"sentiment":"positive","sentiment_score":0.5863521993160248},{"text":"How are you doing?","start":16.415,"end":17.295,"sentiment":"neutral","sentiment_score":0.2928129956126213},{"text":"How's the","start":17.295,"end":17.695,"sentiment":"neutral","sentiment_score":0.11339776962995529}],"sentiment":"positive","sentiment_score":0.39057604051553285,"channel":0,"num_words":13,"start":15.055,"end":17.695},{"sentences":[{"text":"Yeah.","start":17.625,"end":18.125,"sentiment":"neutral","sentiment_score":0.0956590175628662}],"sentiment":"neutral","sentiment_score":0.0956590175628662,"channel":1,"num_words":1,"start":17.625,"end":18.125},{"sentences":[{"text":"day been?","start":17.695,"end":18.435,"sentiment":"neutral","sentiment_score":0.09754353016614914}],"sentiment":"neutral","sentiment_score":0.09754353016614914,"channel":0,"num_words":2,"start":17.695,"end":18.435},{"sentences":[{"text":"Yeah.","start":18.345001,"end":18.665,"sentiment":"neutral","sentiment_score":0.18367406725883484},{"text":"Going well.","start":18.665,"end":19.225,"sentiment":"positive","sentiment_score":0.3460804522037506},{"text":"Thank you.","start":19.225,"end":19.705,"sentiment":"positive","sentiment_score":0.4934445023536682},{"text":"Yeah.","start":19.705,"end":19.865,"sentiment":"positive","sentiment_score":0.3335968852043152},{"text":"Day's good.","start":19.865,"end":20.765,"sentiment":"positive","sentiment_score":0.42647527158260345}],"sentiment":"positive","sentiment_score":0.3811589255928993,"channel":1,"num_words":8,"start":18.345001,"end":20.765},{"sentences":[{"text":"Oh, that's good.","start":20.815,"end":21.855,"sentiment":"positive","sentiment_score":0.4330739378929138},{"text":"I had you booked in just to run through your updated advice document.","start":21.855,"end":24.735,"sentiment":"neutral","sentiment_score":0.2482271698805002},{"text":"This is some changes to your super insurance that we discussed last conversation.","start":24.735,"end":28.44,"sentiment":"neutral","sentiment_score":0.17803994394265688},{"text":"Is now still a good time there for you?","start":28.580002,"end":30.68,"sentiment":"neutral","sentiment_score":0.23417206936412388}],"sentiment":"neutral","sentiment_score":0.2354800767804447,"channel":0,"num_words":38,"start":20.815,"end":30.68},{"sentences":[{"text":"Yeah.","start":30.759998,"end":31.24,"sentiment":"neutral","sentiment_score":0.08280143141746521},{"text":"Yeah.","start":31.24,"end":31.74,"sentiment":"neutral","sentiment_score":0.08257824927568436}],"sentiment":"neutral","sentiment_score":0.08268984034657478,"channel":1,"num_words":2,"start":30.759998,"end":31.74},{"sentences":[{"text":"Oh, legend.","start":32.260002,"end":33.0,"sentiment":"neutral","sentiment_score":0.144736148416996},{"text":"All good.","start":33.06,"end":33.78,"sentiment":"neutral","sentiment_score":0.3034758120775223},{"text":"I just I'm gonna email the document through to you as well.","start":33.78,"end":36.34,"sentiment":"neutral","sentiment_score":0.12395220560332139},{"text":"Are you able to review your emails?","start":36.34,"end":38.1,"sentiment":"neutral","sentiment_score":0.035207955432789664},{"text":"If you're not, honestly, it is okay.","start":38.1,"end":39.875,"sentiment":"neutral","sentiment_score":0.0003499394016606462}],"sentiment":"neutral","sentiment_score":0.08775852173566819,"channel":0,"num_words":30,"start":32.260002,"end":39.875},{"sentences":[{"text":"I just need to confirm.","start":39.875,"end":41.075,"sentiment":"neutral","sentiment_score":0.028690775111317634},{"text":"Are you able to look at the emails at all?","start":41.075,"end":43.415,"sentiment":"neutral","sentiment_score":0.004717701580375433}],"sentiment":"neutral","sentiment_score":0.0127087260906895,"channel":0,"num_words":15,"start":39.875,"end":43.415},{"sentences":[{"text":"Yeah.","start":43.495,"end":43.735,"sentiment":"neutral","sentiment_score":0.02912454679608345},{"text":"I am.","start":43.735,"end":44.215,"sentiment":"neutral","sentiment_score":0.03677321597933769},{"text":"Yes.","start":44.215,"end":44.715,"sentiment":"neutral","sentiment_score":0.07018392533063889}],"sentiment":"neutral","sentiment_score":0.04321372602134943,"channel":1,"num_words":4,"start":43.495,"end":44.715},{"sentences":[{"text":"Yeah.","start":44.835,"end":45.315002,"sentiment":"neutral","sentiment_score":0.1219181790947914},{"text":"Legend.","start":45.315002,"end":45.815002,"sentiment":"neutral","sentiment_score":0.23681706190109253},{"text":"Excellent.","start":46.035,"end":46.535,"sentiment":"positive","sentiment_score":0.46021586656570435},{"text":"Perfect.","start":46.675,"end":47.075,"sentiment":"positive","sentiment_score":0.47558560967445374},{"text":"So just sending this one through to you.","start":47.075,"end":49.175,"sentiment":"neutral","sentiment_score":0.26864574663341045}],"sentiment":"neutral","sentiment_score":0.2869752241919438,"channel":0,"num_words":12,"start":44.835,"end":49.175},{"sentences":[{"text":"So sorry if my hopefully, my email's come through fairly quickly.","start":49.715,"end":52.675,"sentiment":"neutral","sentiment_score":0.029429250650785187},{"text":"Just while it is coming through, can I just get you to confirm that you're happy for us to record the call moving forward?","start":52.675,"end":59.579998,"sentiment":"neutral","sentiment_score":0.18652622184405723},{"text":"We do record our calls for training and quality purposes as well.","start":59.579998,"end":62.219997,"sentiment":"neutral","sentiment_score":0.0709757786244154},{"text":"Is that okay?","start":62.219997,"end":63.039997,"sentiment":"neutral","sentiment_score":0.08912072330713272}],"sentiment":"neutral","sentiment_score":0.11838845189660788,"channel":0,"num_words":50,"start":49.715,"end":63.039997},{"sentences":[{"text":"Yeah.","start":63.269997,"end":63.51,"sentiment":"neutral","sentiment_score":0.0926315039396286},{"text":"That's fine.","start":63.51,"end":64.41,"sentiment":"neutral","sentiment_score":0.14731615036725998}],"sentiment":"neutral","sentiment_score":0.12908793489138284,"channel":1,"num_words":3,"start":63.269997,"end":64.41},{"sentences":[{"text":"Legend.","start":64.78,"end":65.18,"sentiment":"neutral","sentiment_score":0.1125660166144371},{"text":"And, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I 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insurer.","start":357.66,"end":364.24,"sentiment":"neutral","sentiment_score":0.11692387267947196},{"text":"We did also look at other insurers out there because whilst whilst increasing with the current provider does limit the underwriting to just the increase, it also can be more expensive depending on the provider as well.","start":364.78,"end":378.97498,"sentiment":"neutral","sentiment_score":-0.0815097563774199},{"text":"So it actually came","start":378.97498,"end":380.25497,"sentiment":"neutral","sentiment_score":0.013453569263219833}],"sentiment":"neutral","sentiment_score":0.05342935856718283,"channel":0,"num_words":91,"start":349.92502,"end":380.25497},{"sentences":[{"text":"Yes.","start":380.125,"end":380.625,"sentiment":"neutral","sentiment_score":0.04158569127321243}],"sentiment":"neutral","sentiment_score":0.04158569127321243,"channel":1,"num_words":1,"start":380.125,"end":380.625},{"sentences":[{"text":"out that Clearview was gonna be a lot more expensive than other providers out there.","start":380.25497,"end":384.8,"sentiment":"neutral","sentiment_score":-0.24626033256451288},{"text":"So I've actually recommended that we do go with a new provider and apply for new cover.","start":385.26,"end":390.62,"sentiment":"neutral","sentiment_score":0.13838729043217265},{"text":"So I'm actually","start":390.62,"end":391.5,"sentiment":"neutral","sentiment_score":0.16840912898381552}],"sentiment":"neutral","sentiment_score":-0.02388839040483747,"channel":0,"num_words":35,"start":380.25497,"end":391.5},{"sentences":[{"text":"Yep.","start":391.25998,"end":391.75998,"sentiment":"neutral","sentiment_score":0.16855940222740173}],"sentiment":"neutral","sentiment_score":0.16855940222740173,"channel":1,"num_words":1,"start":391.25998,"end":391.75998},{"sentences":[{"text":"just quickly pulling up the quote for you.","start":391.5,"end":393.84,"sentiment":"neutral","sentiment_score":0.1547715263441205},{"text":"The current the quote to increase with Clearview ended 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was about 135,000.","start":679.715,"end":685.235,"sentiment":"neutral","sentiment_score":0.05855406106760105},{"text":"I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma.","start":685.235,"end":689.97003,"sentiment":"neutral","sentiment_score":0.0065929321572184545},{"text":"It just means you get that extra sort of benefit in the event that something happens.","start":690.11,"end":693.71,"sentiment":"positive","sentiment_score":0.5155036896467209}],"sentiment":"neutral","sentiment_score":0.17625530365854503,"channel":0,"num_words":75,"start":672.87006,"end":693.71},{"sentences":[{"text":"It gives you a little bit more than a year's worth of income to take some time off if you're diagnosed with something, work out what you wanna do, continue to pay your bills, and just 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you.","start":922.64,"end":925.14,"sentiment":"neutral","sentiment_score":0.1701890930533409}],"sentiment":"neutral","sentiment_score":0.1701890930533409,"channel":0,"num_words":10,"start":922.64,"end":925.14},{"sentences":[{"text":"Yeah.","start":925.765,"end":926.265,"sentiment":"neutral","sentiment_score":0.13416512310504913},{"text":"Yeah.","start":926.805,"end":927.125,"sentiment":"neutral","sentiment_score":0.19874750077724457},{"text":"Cool.","start":927.125,"end":927.445,"sentiment":"neutral","sentiment_score":0.30763500928878784}],"sentiment":"neutral","sentiment_score":0.21351587772369385,"channel":1,"num_words":3,"start":925.765,"end":927.445},{"sentences":[{"text":"Yeah.","start":927.375,"end":927.875,"sentiment":"neutral","sentiment_score":0.21379530429840088}],"sentiment":"neutral","sentiment_score":0.21379530429840088,"channel":0,"num_words":1,"start":927.375,"end":927.875},{"sentences":[{"text":"That's 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it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral.","start":941.14,"end":953.45996,"sentiment":"neutral","sentiment_score":0.06675544962650393},{"text":"So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits.","start":953.45996,"end":964.825,"sentiment":"neutral","sentiment_score":0.1409128048532718},{"text":"That means that in you without having that extra bit of life cover, with only having a life held inside super if you were to pass away, your family would have to cover the cost of your funeral or, you know, find","start":964.825,"end":975.19,"sentiment":"neutral","sentiment_score":0.1171903411547343}],"sentiment":"neutral","sentiment_score":0.10727284618963798,"channel":0,"num_words":120,"start":941.14,"end":975.19},{"sentences":[{"text":"Yes.","start":975.14496,"end":975.64496,"sentiment":"neutral","sentiment_score":0.1256280243396759}],"sentiment":"neutral","sentiment_score":0.1256280243396759,"channel":1,"num_words":1,"start":975.14496,"end":975.64496},{"sentences":[{"text":"some money to fall back on and then be reimbursed later.","start":975.19,"end":978.07,"sentiment":"neutral","sentiment_score":0.13744616982611743},{"text":"So this just kinda gives that as as that extra benefit.","start":978.07,"end":981.05,"sentiment":"positive","sentiment_score":0.3369311175563119},{"text":"It also does give them, you know, a bit of additional grief.","start":982.415,"end":986.495,"sentiment":"neutral","sentiment_score":0.2545517757534981},{"text":"You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits.","start":986.495,"end":993.475,"sentiment":"neutral","sentiment_score":0.11214046115460603},{"text":"These policies do go through renewal every year and to increase.","start":994.19995,"end":997.16,"sentiment":"neutral","sentiment_score":0.07125338099219582}],"sentiment":"neutral","sentiment_score":0.17111454805468812,"channel":0,"num_words":68,"start":975.19,"end":997.16},{"sentences":[{"text":"You get future increases as it goes through renewal.","start":997.16,"end":1000.62,"sentiment":"neutral","sentiment_score":0.06922775920894411},{"text":"But, again, the same as with this policy, it will get more expensive the older you get.","start":1001.56,"end":1005.63995,"sentiment":"neutral","sentiment_score":-0.24464727193117142},{"text":"So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on.","start":1005.63995,"end":1016.525,"sentiment":"neutral","sentiment_score":-0.08587108262711102}],"sentiment":"neutral","sentiment_score":-0.10689214136331313,"channel":0,"num_words":62,"start":997.16,"end":1016.525},{"sentences":[{"text":"Yeah.","start":1017.16003,"end":1017.66003,"sentiment":"neutral","sentiment_score":0.181205153465271},{"text":"Cool.","start":1017.8,"end":1018.3,"sentiment":"positive","sentiment_score":0.36293691396713257}],"sentiment":"neutral","sentiment_score":0.2720710337162018,"channel":1,"num_words":2,"start":1017.16003,"end":1018.3},{"sentences":[{"text":"Perfect.","start":1020.12,"end":1020.62,"sentiment":"positive","sentiment_score":0.4496256113052368},{"text":"Is there any questions that have come out of that at all?","start":1021.16003,"end":1023.32,"sentiment":"neutral","sentiment_score":0.1320098421225945},{"text":"Does that sound","start":1023.32,"end":1024.12,"sentiment":"neutral","sentiment_score":-0.0728102611998717}],"sentiment":"neutral","sentiment_score":0.11345705832354724,"channel":0,"num_words":16,"start":1020.12,"end":1024.12},{"sentences":[{"text":"No.","start":1024.04,"end":1024.36,"sentiment":"neutral","sentiment_score":-0.13193155825138092}],"sentiment":"neutral","sentiment_score":-0.13193155825138092,"channel":1,"num_words":1,"start":1024.04,"end":1024.36},{"sentences":[{"text":"fairly","start":1024.12,"end":1024.6,"sentiment":"neutral","sentiment_score":-0.10198219120502472}],"sentiment":"neutral","sentiment_score":-0.10198219120502472,"channel":0,"num_words":1,"start":1024.12,"end":1024.6},{"sentences":[{"text":"No.","start":1024.36,"end":1024.4401,"sentiment":"neutral","sentiment_score":-0.1013614982366562},{"text":"No.","start":1024.4401,"end":1024.9401,"sentiment":"neutral","sentiment_score":-0.05816585570573807}],"sentiment":"neutral","sentiment_score":-0.07976367697119713,"channel":1,"num_words":2,"start":1024.36,"end":1024.9401},{"sentences":[{"text":"straightforward?","start":1024.6,"end":1025.1,"sentiment":"neutral","sentiment_score":-0.03561469167470932}],"sentiment":"neutral","sentiment_score":-0.03561469167470932,"channel":0,"num_words":1,"start":1024.6,"end":1025.1},{"sentences":[{"text":"That's pretty","start":1025.48,"end":1025.96,"sentiment":"neutral","sentiment_score":0.23365820944309235}],"sentiment":"neutral","sentiment_score":0.23365820944309235,"channel":1,"num_words":2,"start":1025.48,"end":1025.96},{"sentences":[{"text":"Yep.","start":1025.88,"end":1026.38,"sentiment":"positive","sentiment_score":0.3713669776916504}],"sentiment":"positive","sentiment_score":0.3713669776916504,"channel":0,"num_words":1,"start":1025.88,"end":1026.38},{"sentences":[{"text":"good.","start":1025.96,"end":1026.2,"sentiment":"positive","sentiment_score":0.6073264479637146},{"text":"Thank you.","start":1026.2,"end":1026.9401,"sentiment":"positive","sentiment_score":0.7150885760784149}],"sentiment":"positive","sentiment_score":0.6791678667068481,"channel":1,"num_words":3,"start":1025.96,"end":1026.9401},{"sentences":[{"text":"Beautiful.","start":1027.48,"end":1027.98,"sentiment":"positive","sentiment_score":0.7091660499572754},{"text":"All good.","start":1028.04,"end":1028.7,"sentiment":"positive","sentiment_score":0.5867964923381805},{"text":"I will let you go back and have a really good read of that, but let me know if there's","start":1028.76,"end":1031.8,"sentiment":"neutral","sentiment_score":0.26351195238530634}],"sentiment":"neutral","sentiment_score":0.310999916623468,"channel":0,"num_words":23,"start":1027.48,"end":1031.8},{"sentences":[{"text":"Yeah.","start":1031.615,"end":1032.115,"sentiment":"neutral","sentiment_score":0.04251108318567276}],"sentiment":"neutral","sentiment_score":0.04251108318567276,"channel":1,"num_words":1,"start":1031.615,"end":1032.115},{"sentences":[{"text":"any additional questions that come out of the insurance side of things.","start":1031.8,"end":1034.7949,"sentiment":"neutral","sentiment_score":0.025368539926906426},{"text":"If you like a bit of a reading material, I've also got the product disclosure statements attached for Zurich and for your current provider.","start":1035.495,"end":1042.775,"sentiment":"neutral","sentiment_score":0.08239886987333496},{"text":"It would be Super Hub 24 as well, so you're welcome to run your eyes over those.","start":1042.775,"end":1046.635,"sentiment":"neutral","sentiment_score":0.2331789889756371},{"text":"It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work.","start":1046.9501,"end":1057.75,"sentiment":"neutral","sentiment_score":0.09998995438218117},{"text":"It's quite interesting if you're into a bit of reading material.","start":1057.75,"end":1060.835,"sentiment":"neutral","sentiment_score":0.06826233355836435}],"sentiment":"neutral","sentiment_score":0.10608757435515219,"channel":0,"num_words":98,"start":1031.8,"end":1060.835},{"sentences":[{"text":"So they are attached for you.","start":1060.835,"end":1062.615,"sentiment":"neutral","sentiment_score":0.044823914766311646},{"text":"Not everyone's that interested, but feel free","start":1062.835,"end":1065.315,"sentiment":"neutral","sentiment_score":-0.011793668714484997}],"sentiment":"neutral","sentiment_score":0.0143375236612673,"channel":0,"num_words":13,"start":1060.835,"end":1065.315},{"sentences":[{"text":"Okay.","start":1065.265,"end":1065.765,"sentiment":"neutral","sentiment_score":0.03710668534040451}],"sentiment":"neutral","sentiment_score":0.03710668534040451,"channel":1,"num_words":1,"start":1065.265,"end":1065.765},{"sentences":[{"text":"to run your eyes over.","start":1065.315,"end":1066.455,"sentiment":"neutral","sentiment_score":0.027721012011170387},{"text":"All good, Josh.","start":1068.2749,"end":1069.335,"sentiment":"neutral","sentiment_score":0.288307120402654},{"text":"Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you.","start":1069.3949,"end":1075.17,"sentiment":"neutral","sentiment_score":0.038272419599471266}],"sentiment":"neutral","sentiment_score":0.05819662144141538,"channel":0,"num_words":35,"start":1065.315,"end":1075.17},{"sentences":[{"text":"Yeah.","start":1075.77,"end":1076.27,"sentiment":"neutral","sentiment_score":-0.006489267572760582}],"sentiment":"neutral","sentiment_score":-0.006489267572760582,"channel":1,"num_words":1,"start":1075.77,"end":1076.27},{"sentences":[{"text":"We have sort of noted there have been some changes in the market.","start":1075.81,"end":1078.6901,"sentiment":"neutral","sentiment_score":-0.045966784827984296},{"text":"Your super has been doing really well over the last few years, but I did notice there has been some underperforming investments.","start":1078.6901,"end":1085.25,"sentiment":"neutral","sentiment_score":-0.04536770182577046},{"text":"So I wanted to go back and just make some changes there for you.","start":1085.25,"end":1088.505,"sentiment":"neutral","sentiment_score":-0.04502424491303308},{"text":"I don't","start":1088.585,"end":1088.905,"sentiment":"neutral","sentiment_score":-0.11312380060553551}],"sentiment":"neutral","sentiment_score":-0.04808322888086824,"channel":0,"num_words":51,"start":1075.81,"end":1088.905},{"sentences":[{"text":"Yeah.","start":1088.885,"end":1089.385,"sentiment":"neutral","sentiment_score":-0.13942423462867737}],"sentiment":"neutral","sentiment_score":-0.13942423462867737,"channel":1,"num_words":1,"start":1088.885,"end":1089.385},{"sentences":[{"text":"want you to be in anything underperforming.","start":1088.905,"end":1090.525,"sentiment":"neutral","sentiment_score":-0.2494482845067978},{"text":"Wanna make sure your super is working as hard as possible for you.","start":1090.665,"end":1094.125,"sentiment":"neutral","sentiment_score":-0.18868688436654898}],"sentiment":"neutral","sentiment_score":-0.20995337441563605,"channel":0,"num_words":20,"start":1088.905,"end":1094.125},{"sentences":[{"text":"Yeah.","start":1094.485,"end":1094.985,"sentiment":"neutral","sentiment_score":-0.027287304401397705}],"sentiment":"neutral","sentiment_score":-0.027287304401397705,"channel":1,"num_words":1,"start":1094.485,"end":1094.985},{"sentences":[{"text":"So when I kinda reviewed things, I am gonna make some changes to the investments.","start":1094.985,"end":1099.0651,"sentiment":"neutral","sentiment_score":-0.011364378904302915},{"text":"So keeping Hub twenty four, I did review the platform.","start":1099.0651,"end":1101.8099,"sentiment":"neutral","sentiment_score":0.018976357020437717},{"text":"There's been no major changes that we need to kind of alter or make changes to the platform at the moment.","start":1101.8099,"end":1106.71,"sentiment":"neutral","sentiment_score":-0.0268725529922882},{"text":"But with the underlying investments there, we are essentially going to look to sell off the bank hybrids.","start":1107.33,"end":1113.35,"sentiment":"neutral","sentiment_score":-0.020900034656127293},{"text":"They are more of a defensive investment for you.","start":1113.8099,"end":1116.165,"sentiment":"neutral","sentiment_score":0.013845458833707703}],"sentiment":"neutral","sentiment_score":-0.010912564664453983,"channel":0,"num_words":73,"start":1094.985,"end":1116.165},{"sentences":[{"text":"Think of them like bonds, essentially.","start":1116.165,"end":1118.1051,"sentiment":"neutral","sentiment_score":0.01567231398075819},{"text":"You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back.","start":1118.405,"end":1128.0851,"sentiment":"neutral","sentiment_score":0.027414091929261173},{"text":"These sorts of investments are lower risk in nature, but they also tend to get a lower rate of return.","start":1128.0851,"end":1133.66,"sentiment":"neutral","sentiment_score":0.029326395690441133}],"sentiment":"neutral","sentiment_score":0.026817710587271937,"channel":0,"num_words":54,"start":1116.165,"end":1133.66},{"sentences":[{"text":"Yes.","start":1134.175,"end":1134.675,"sentiment":"neutral","sentiment_score":-0.0021122321486473083}],"sentiment":"neutral","sentiment_score":-0.0021122321486473083,"channel":1,"num_words":1,"start":1134.175,"end":1134.675},{"sentences":[{"text":"So these are the bank hybrids.","start":1134.28,"end":1135.88,"sentiment":"neutral","sentiment_score":-0.02612072912355264},{"text":"They're more of a more of a complex investment.","start":1135.88,"end":1138.78,"sentiment":"neutral","sentiment_score":-0.048335113666123815},{"text":"Essentially, they are being phased out by the government over the next few years.","start":1139.48,"end":1143.56,"sentiment":"neutral","sentiment_score":-0.05783391211714063},{"text":"So whilst I did note there were some underperforming investments we need to maybe look at making some alterations to, I felt it was best to maybe look at removing these now, replacing them with something else, and then let rather than having to wait till down the track when we have to make those changes quickly and then having","start":1143.56,"end":1160.63,"sentiment":"neutral","sentiment_score":-0.08416174569477637}],"sentiment":"neutral","sentiment_score":-0.07248449336025822,"channel":0,"num_words":89,"start":1134.28,"end":1160.63},{"sentences":[{"text":"Yes.","start":1160.525,"end":1161.025,"sentiment":"neutral","sentiment_score":0.0474066287279129}],"sentiment":"neutral","sentiment_score":0.0474066287279129,"channel":1,"num_words":1,"start":1160.525,"end":1161.025},{"sentences":[{"text":"to make changes to your portfolio then if we don't need to.","start":1160.63,"end":1163.6699,"sentiment":"neutral","sentiment_score":0.02744902716949582},{"text":"So just sort of working out which is the best way for you.","start":1163.6699,"end":1166.8899,"sentiment":"neutral","sentiment_score":0.03946193336294247}],"sentiment":"neutral","sentiment_score":0.03369573839008808,"channel":0,"num_words":25,"start":1160.63,"end":1166.8899},{"sentences":[{"text":"Yeah.","start":1167.23,"end":1167.73,"sentiment":"neutral","sentiment_score":0.15812310576438904}],"sentiment":"neutral","sentiment_score":0.15812310576438904,"channel":1,"num_words":1,"start":1167.23,"end":1167.73},{"sentences":[{"text":"Removing them now is absolutely fine and great.","start":1167.2699,"end":1169.75,"sentiment":"neutral","sentiment_score":0.30213748291134834},{"text":"So we are looking to sell all the bank hybrids down.","start":1169.75,"end":1172.1499,"sentiment":"neutral","sentiment_score":0.13896815140138974},{"text":"We're gonna replace them with core composite bonds.","start":1172.1499,"end":1174.97,"sentiment":"neutral","sentiment_score":0.10417793225497007},{"text":"So very similar sort of investment of the bonds.","start":1175.245,"end":1177.825,"sentiment":"neutral","sentiment_score":0.10723724547359678},{"text":"So bonds this encompasses both government and corporate bonds for you.","start":1178.605,"end":1183.0249,"sentiment":"neutral","sentiment_score":0.1408480236476118}],"sentiment":"neutral","sentiment_score":0.15518375438578585,"channel":0,"num_words":47,"start":1167.2699,"end":1183.0249},{"sentences":[{"text":"Essentially, it does provide income payments.","start":1183.485,"end":1185.4049,"sentiment":"neutral","sentiment_score":0.20196673522392908},{"text":"They're just more of a simplified investment, and we're gonna keep about 5% of your portfolio in the core composite bond side of things.","start":1185.4049,"end":1193.22,"sentiment":"neutral","sentiment_score":0.16502139593164125},{"text":"We also noticed here that the Benelong Australian Equities.","start":1194.0,"end":1197.12,"sentiment":"neutral","sentiment_score":0.01950899004522297},{"text":"So you probably remember you have had Benelong in your portfolio for the last couple of years.","start":1197.12,"end":1201.54,"sentiment":"neutral","sentiment_score":0.015843310064690953},{"text":"Benelon","start":1202.1749,"end":1202.6549,"sentiment":"neutral","sentiment_score":-0.059568747878074646}],"sentiment":"neutral","sentiment_score":0.09750284819880076,"channel":0,"num_words":57,"start":1183.485,"end":1202.6549},{"sentences":[{"text":"Yes.","start":1202.45,"end":1202.95,"sentiment":"neutral","sentiment_score":-0.06943254172801971}],"sentiment":"neutral","sentiment_score":-0.06943254172801971,"channel":1,"num_words":1,"start":1202.45,"end":1202.95},{"sentences":[{"text":"has unfortunately had some underperformance this 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being removed, we needed to replace that to keep your estate equities portion.","start":1217.47,"end":1225.39,"sentiment":"neutral","sentiment_score":-0.08807498994080917},{"text":"So we're gonna replace that with the beta shares a 200.","start":1225.39,"end":1228.45,"sentiment":"neutral","sentiment_score":0.019669617780230263},{"text":"Essentially,","start":1229.325,"end":1229.645,"sentiment":"neutral","sentiment_score":0.028732698410749435}],"sentiment":"neutral","sentiment_score":-0.050875036418437956,"channel":0,"num_words":35,"start":1217.47,"end":1229.645},{"sentences":[{"text":"Yeah.","start":1229.64,"end":1230.14,"sentiment":"neutral","sentiment_score":0.06115317344665527}],"sentiment":"neutral","sentiment_score":0.06115317344665527,"channel":1,"num_words":1,"start":1229.64,"end":1230.14},{"sentences":[{"text":"we wanna hold about 25% of your portfolio in that investment.","start":1229.645,"end":1233.1849,"sentiment":"neutral","sentiment_score":0.0714833340184255},{"text":"One of the benefits to replacing it with a 200 is that Benelon generally hold between 15 to 25 different investments depending on what is happening within that portfolio.","start":1233.965,"end":1245.02,"sentiment":"neutral","sentiment_score":0.2353037847527142},{"text":"With having the a 200, you're actually increasing a diversification in your exposure because you're tracking the top 200 companies on the ASX.","start":1246.36,"end":1254.855,"sentiment":"positive","sentiment_score":0.36438535607379413},{"text":"So it is increasing diversification, helping to lower the overall risk of your portfolio, and it's actually cheaper investment as well, which is really important.","start":1254.855,"end":1263.415,"sentiment":"positive","sentiment_score":0.49986552238464355},{"text":"So more money left in your super working harder for you.","start":1263.415,"end":1266.5549,"sentiment":"neutral","sentiment_score":0.19411921162496915}],"sentiment":"neutral","sentiment_score":0.3093226162547415,"channel":0,"num_words":99,"start":1229.645,"end":1266.5549},{"sentences":[{"text":"Okay?","start":1266.615,"end":1267.115,"sentiment":"neutral","sentiment_score":0.056029051542282104}],"sentiment":"neutral","sentiment_score":0.056029051542282104,"channel":0,"num_words":1,"start":1266.615,"end":1267.115},{"sentences":[{"text":"Alright.","start":1266.765,"end":1267.165,"sentiment":"neutral","sentiment_score":0.20711588859558103},{"text":"Cool.","start":1267.165,"end":1267.665,"sentiment":"positive","sentiment_score":0.4214547872543335}],"sentiment":"neutral","sentiment_score":0.3142853379249573,"channel":1,"num_words":2,"start":1266.765,"end":1267.665},{"sentences":[{"text":"Yeah.","start":1267.88,"end":1268.38,"sentiment":"neutral","sentiment_score":0.15879318118095398},{"text":"Other areas that we are gonna look at replacing, our agriculture has done really, really well, but we are just gonna remove that from the portfolio.","start":1269.32,"end":1275.82,"sentiment":"neutral","sentiment_score":-0.008966306367745766},{"text":"We're gonna keep you as mythical gold, but just sell some of that.","start":1276.44,"end":1279.32,"sentiment":"neutral","sentiment_score":-0.10156162369709748},{"text":"You're a little bit over exposed at the moment.","start":1279.32,"end":1281.0951,"sentiment":"negative","sentiment_score":-0.38863399624824524},{"text":"We wanna hold about 7%.","start":1281.0951,"end":1282.935,"sentiment":"neutral","sentiment_score":-0.09915731251239776}],"sentiment":"neutral","sentiment_score":-0.09978008187479442,"channel":0,"num_words":54,"start":1267.88,"end":1282.935},{"sentences":[{"text":"You currently have about 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6%.","start":1306.11,"end":1308.4501,"sentiment":"neutral","sentiment_score":0.15904067953427634},{"text":"The s and p 500 is great.","start":1308.815,"end":1310.575,"sentiment":"positive","sentiment_score":0.589500972202846}],"sentiment":"neutral","sentiment_score":0.22113185301423072,"channel":0,"num_words":35,"start":1300.11,"end":1310.575},{"sentences":[{"text":"You have still got that.","start":1310.575,"end":1312.175,"sentiment":"positive","sentiment_score":0.36688600182533265},{"text":"We wanna keep that, but we just wanna bring your exposure up a little bit.","start":1312.175,"end":1315.875,"sentiment":"neutral","sentiment_score":0.14802366296450298},{"text":"Your exposure's reduced to 28.","start":1316.175,"end":1318.175,"sentiment":"neutral","sentiment_score":0.11026474833488464},{"text":"We wanna have about 35%.","start":1318.175,"end":1319.855,"sentiment":"neutral","sentiment_score":0.24019610583782197},{"text":"So just putting some more money into the s and p five hundred.","start":1319.855,"end":1322.755,"sentiment":"neutral","sentiment_score":0.17493971150655013}],"sentiment":"neutral","sentiment_score":0.18793733660564865,"channel":0,"num_words":43,"start":1310.575,"end":1322.755},{"sentences":[{"text":"I know there","start":1323.01,"end":1323.49,"sentiment":"neutral","sentiment_score":-0.004462019229928653}],"sentiment":"neutral","sentiment_score":-0.004462019229928653,"channel":0,"num_words":3,"start":1323.01,"end":1323.49},{"sentences":[{"text":"Yes.","start":1323.4451,"end":1323.9451,"sentiment":"neutral","sentiment_score":0.05237992852926254}],"sentiment":"neutral","sentiment_score":0.05237992852926254,"channel":1,"num_words":1,"start":1323.4451,"end":1323.9451},{"sentences":[{"text":"has been a lot of people unsure about, you know, what's happening with The US and everything.","start":1323.49,"end":1327.97,"sentiment":"neutral","sentiment_score":-0.06609822218032445},{"text":"It is still a great place to be invested, and it has still seen great returns.","start":1327.97,"end":1331.91,"sentiment":"positive","sentiment_score":0.4870853815227747}],"sentiment":"neutral","sentiment_score":0.20211200991814787,"channel":0,"num_words":33,"start":1323.49,"end":1331.91},{"sentences":[{"text":"Yeah.","start":1332.4299,"end":1332.9299,"sentiment":"neutral","sentiment_score":-0.044789791107177734}],"sentiment":"neutral","sentiment_score":-0.044789791107177734,"channel":1,"num_words":1,"start":1332.4299,"end":1332.9299},{"sentences":[{"text":"This is about going through those downtimes and going through the volatility that we have seen with them.","start":1332.45,"end":1337.1699,"sentiment":"neutral","sentiment_score":-0.17131345512138474},{"text":"Okay?","start":1337.1699,"end":1337.6699,"sentiment":"neutral","sentiment_score":0.0008706077933311462}],"sentiment":"neutral","sentiment_score":-0.1622511360206102,"channel":0,"num_words":19,"start":1332.45,"end":1337.6699},{"sentences":[{"text":"Yeah.","start":1338.4299,"end":1338.51,"sentiment":"neutral","sentiment_score":0.12340308725833891},{"text":"Cool.","start":1338.51,"end":1339.01,"sentiment":"positive","sentiment_score":0.33737272024154663}],"sentiment":"neutral","sentiment_score":0.23038790374994278,"channel":1,"num_words":2,"start":1338.4299,"end":1339.01},{"sentences":[{"text":"You've got the Raffy two hundred, sir, essentially mid cap stock there because we are selling out of Bannalong and buying into the a two hundred, but also gonna get rid of the Raffy.","start":1339.285,"end":1348.185,"sentiment":"neutral","sentiment_score":0.21960164102561333},{"text":"You 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cool.","start":1384.84,"end":1401.595,"sentiment":"neutral","sentiment_score":0.245274829160836}],"sentiment":"neutral","sentiment_score":0.14938579091786847,"channel":0,"num_words":121,"start":1356.48,"end":1401.595},{"sentences":[{"text":"Yeah.","start":1401.99,"end":1402.49,"sentiment":"neutral","sentiment_score":0.13816049695014954}],"sentiment":"neutral","sentiment_score":0.13816049695014954,"channel":1,"num_words":1,"start":1401.99,"end":1402.49},{"sentences":[{"text":"I will let you read through that because it is a lot.","start":1402.7749,"end":1405.835,"sentiment":"neutral","sentiment_score":0.10782313036421935},{"text":"But do you have any questions at the moment, Josh?","start":1406.88,"end":1409.4601,"sentiment":"neutral","sentiment_score":0.00707332082092762},{"text":"No?","start":1410.8,"end":1411.3,"sentiment":"neutral","sentiment_score":-0.03781113028526306},{"text":"All 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work is we'll start by doing the investment switch.","start":1451.14,"end":1454.6951,"sentiment":"neutral","sentiment_score":-0.027983069153768674},{"text":"We'll then get you to apply for the New Zurich insurance policy.","start":1454.755,"end":1457.9551,"sentiment":"neutral","sentiment_score":-0.015261507670705518},{"text":"Once that policy has been placed in force, we'll help you cancel the ClearView policy there as 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portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there.","start":1490.645,"end":1504.0599,"sentiment":"positive","sentiment_score":0.5422521996498108},{"text":"So","start":1504.0599,"end":1504.5599,"sentiment":"positive","sentiment_score":0.49725863337516785}],"sentiment":"positive","sentiment_score":0.5413699728601119,"channel":0,"num_words":51,"start":1490.645,"end":1504.5599},{"sentences":[{"text":"Yes.","start":1504.68,"end":1505.18,"sentiment":"positive","sentiment_score":0.6038966774940491}],"sentiment":"positive","sentiment_score":0.6038966774940491,"channel":1,"num_words":1,"start":1504.68,"end":1505.18},{"sentences":[{"text":"all in all, it looks really 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you.","start":1523.86,"end":1532.36,"sentiment":"neutral","sentiment_score":0.1554989711991672},{"text":"Okay?","start":1532.5,"end":1533.0,"sentiment":"neutral","sentiment_score":0.08500193059444427}],"sentiment":"neutral","sentiment_score":0.15412966651575907,"channel":0,"num_words":35,"start":1522.9,"end":1533.0},{"sentences":[{"text":"Yes.","start":1532.63,"end":1533.13,"sentiment":"neutral","sentiment_score":0.16396412253379822},{"text":"Cool.","start":1533.43,"end":1533.93,"sentiment":"neutral","sentiment_score":0.2787342667579651}],"sentiment":"neutral","sentiment_score":0.22134919464588165,"channel":1,"num_words":2,"start":1532.63,"end":1533.93},{"sentences":[{"text":"Yeah.","start":1533.9401,"end":1534.4401,"sentiment":"neutral","sentiment_score":0.2639907896518707},{"text":"Awesome.","start":1534.66,"end":1535.16,"sentiment":"positive","sentiment_score":0.4622061252593994},{"text":"I know there is a lot to go 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you.","start":1567.375,"end":1574.995,"sentiment":"neutral","sentiment_score":0.2776617479324341},{"text":"If you can just, you know, have a look through those, sign and return those back for me, we can have them implemented nice and quickly for you.","start":1575.375,"end":1581.86,"sentiment":"positive","sentiment_score":0.3374532950775964},{"text":"Okay.","start":1581.86,"end":1582.36,"sentiment":"neutral","sentiment_score":0.19833289086818695}],"sentiment":"neutral","sentiment_score":0.2746806358113701,"channel":0,"num_words":81,"start":1561.28,"end":1582.36},{"sentences":[{"text":"Yep.","start":1583.05,"end":1583.55,"sentiment":"neutral","sentiment_score":0.20795492827892303},{"text":"Of 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through.","start":1607.89,"end":1611.0299,"sentiment":"neutral","sentiment_score":0.006367220543324947},{"text":"Okay?","start":1611.09,"end":1611.59,"sentiment":"neutral","sentiment_score":0.037006355822086334}],"sentiment":"neutral","sentiment_score":0.008409829561909039,"channel":0,"num_words":15,"start":1607.89,"end":1611.59},{"sentences":[{"text":"Yes.","start":1611.39,"end":1611.89,"sentiment":"neutral","sentiment_score":0.052731916308403015},{"text":"No worries.","start":1612.19,"end":1612.91,"sentiment":"neutral","sentiment_score":0.13336924463510513},{"text":"Thank you.","start":1612.91,"end":1613.73,"sentiment":"positive","sentiment_score":0.4236464351415634}],"sentiment":"neutral","sentiment_score":0.23335265517234802,"channel":1,"num_words":5,"start":1611.39,"end":1613.73},{"sentences":[{"text":"Fantastic.","start":1613.6499,"end":1614.1499,"sentiment":"positive","sentiment_score":0.6168687343597412},{"text":"My pleasure, Josh.","start":1614.37,"end":1615.33,"sentiment":"positive","sentiment_score":0.45328488945961},{"text":"I'll let you go for the afternoon.","start":1615.33,"end":1616.61,"sentiment":"neutral","sentiment_score":0.25650752016476225},{"text":"Have you got a few more hours of work, or are you nearly","start":1616.61,"end":1619.09,"sentiment":"neutral","sentiment_score":0.06324855668040422}],"sentiment":"neutral","sentiment_score":0.1914378033640484,"channel":0,"num_words":24,"start":1613.6499,"end":1619.09},{"sentences":[{"text":"Yeah.","start":1618.91,"end":1619.41,"sentiment":"neutral","sentiment_score":0.032804884016513824}],"sentiment":"neutral","sentiment_score":0.032804884016513824,"channel":1,"num_words":1,"start":1618.91,"end":1619.41},{"sentences":[{"text":"done?","start":1619.09,"end":1619.59,"sentiment":"neutral","sentiment_score":0.02472613751888275}],"sentiment":"neutral","sentiment_score":0.02472613751888275,"channel":0,"num_words":1,"start":1619.09,"end":1619.59},{"sentences":[{"text":"Couple more hours and then home.","start":1619.87,"end":1621.47,"sentiment":"neutral","sentiment_score":0.0326652837296327},{"text":"Yep.","start":1621.47,"end":1621.97,"sentiment":"neutral","sentiment_score":0.13874958455562592}],"sentiment":"neutral","sentiment_score":0.047820183847631724,"channel":1,"num_words":7,"start":1619.87,"end":1621.97},{"sentences":[{"text":"Well, thank you so much for taking the time to take my call.","start":1622.785,"end":1625.345,"sentiment":"positive","sentiment_score":0.6182461335108831},{"text":"I appreciate it.","start":1625.345,"end":1626.225,"sentiment":"positive","sentiment_score":0.6097871462504069},{"text":"I know your time is very precious.","start":1626.225,"end":1628.005,"sentiment":"positive","sentiment_score":0.5313463892255511}],"sentiment":"positive","sentiment_score":0.5906950390857199,"channel":0,"num_words":23,"start":1622.785,"end":1628.005},{"sentences":[{"text":"All","start":1628.6151,"end":1628.8551,"sentiment":"neutral","sentiment_score":0.29192933440208435}],"sentiment":"neutral","sentiment_score":0.29192933440208435,"channel":1,"num_words":1,"start":1628.6151,"end":1628.8551},{"sentences":[{"text":"So,","start":1628.785,"end":1628.945,"sentiment":"positive","sentiment_score":0.4262046813964844}],"sentiment":"positive","sentiment_score":0.4262046813964844,"channel":0,"num_words":1,"start":1628.785,"end":1628.945},{"sentences":[{"text":"good.","start":1628.8551,"end":1629.175,"sentiment":"positive","sentiment_score":0.49083855748176575}],"sentiment":"positive","sentiment_score":0.49083855748176575,"channel":1,"num_words":1,"start":1628.8551,"end":1629.175},{"sentences":[{"text":"yeah,","start":1628.945,"end":1629.1849,"sentiment":"positive","sentiment_score":0.37741509079933167}],"sentiment":"positive","sentiment_score":0.37741509079933167,"channel":0,"num_words":1,"start":1628.945,"end":1629.1849},{"sentences":[{"text":"I","start":1629.175,"end":1629.255,"sentiment":"positive","sentiment_score":0.4431286752223969}],"sentiment":"positive","sentiment_score":0.4431286752223969,"channel":1,"num_words":1,"start":1629.175,"end":1629.255},{"sentences":[{"text":"we'll","start":1629.1849,"end":1629.6849,"sentiment":"positive","sentiment_score":0.4921273589134216}],"sentiment":"positive","sentiment_score":0.4921273589134216,"channel":0,"num_words":1,"start":1629.1849,"end":1629.6849},{"sentences":[{"text":"appreciate it.","start":1629.255,"end":1630.155,"sentiment":"positive","sentiment_score":0.4862450510263443}],"sentiment":"positive","sentiment_score":0.4862450510263443,"channel":1,"num_words":2,"start":1629.255,"end":1630.155},{"sentences":[{"text":"no worries at all.","start":1630.591,"end":1631.391,"sentiment":"neutral","sentiment_score":0.28368934988975525},{"text":"You have a great afternoon.","start":1631.391,"end":1632.6709,"sentiment":"positive","sentiment_score":0.5743396639823913},{"text":"I'll talk to you soon.","start":1632.6709,"end":1633.891,"sentiment":"neutral","sentiment_score":0.3242161810398102}],"sentiment":"positive","sentiment_score":0.4019669017621449,"channel":0,"num_words":14,"start":1630.591,"end":1633.891},{"sentences":[{"text":"Thank you.","start":1634.221,"end":1634.781,"sentiment":"positive","sentiment_score":0.37247492372989655},{"text":"Bye.","start":1634.781,"end":1635.281,"sentiment":"neutral","sentiment_score":0.23972532153129575}],"sentiment":"neutral","sentiment_score":0.328225056330363,"channel":1,"num_words":3,"start":1634.221,"end":1635.281},{"sentences":[{"text":"Thanks, Josh.","start":1635.5509,"end":1636.271,"sentiment":"neutral","sentiment_score":0.32989582419395447},{"text":"See you later.","start":1636.271,"end":1637.011,"sentiment":"neutral","sentiment_score":0.23036880791187286}],"sentiment":"neutral","sentiment_score":0.2701796144247055,"channel":0,"num_words":5,"start":1635.5509,"end":1637.011}]},"summary":{"result":"success","short":"During a call with an insurance agent, the agent updates the customer's financial goals and income protection information, as well as their income and retirement insurance policy. They recommend a new insurance provider and emphasize the benefits of coverage, including a cheaper premium than other insurers. The agent emphasizes the importance of reviewing policy reviews and keeping premiums as cheap as possible, as well as the importance of keeping premiums as cheap as possible. They also discuss the benefits of having a life cover outside of super and offer a multi policy discount. The agent emphasizes the importance of the policy and its use for people with post-acute diagnoses. They recommend a non lapsing binding nomination and encourage the customer to read through the document."},"intents":{"segments":[{"text":"I just I'm gonna email the document through to you as well. Are you able to review your emails? If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all? Yeah.","start_word":95,"end_word":136,"intents":[{"intent":"Send document","confidence_score":0.33674833},{"intent":"Send document","confidence_score":0.023919582}]},{"text":"Are you able to review your emails? If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all? Yeah.","start_word":107,"end_word":136,"intents":[{"intent":"Review documents","confidence_score":0.028031481}]},{"text":"If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all? Yeah.","start_word":114,"end_word":136,"intents":[{"intent":"Confirm approval","confidence_score":0.031616565}]},{"text":"If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all? Yeah. I am.","start_word":114,"end_word":138,"intents":[{"intent":"Confirm agreement","confidence_score":0.03181211}]},{"text":"And, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I should Joshua have Daskinvski. on file. Yep.","start_word":206,"end_word":237,"intents":[{"intent":"Provide details","confidence_score":0.0018576109}]},{"text":"So with this one here, Josh, it does say on the front page that when you do see the document has been prepared for yourself as of the 07/08/2026 there. My authorized representative number is on the document for you. It is 1304394, and I have a quote attached on the Odoo sign, the financial services guide, which also outlines everything about who I am as an adviser and all my registration information there for you as well. Okay?","start_word":615,"end_word":693,"intents":[{"intent":"Update information","confidence_score":0.02589217}]},{"text":"So, essentially, we go through the annual reviews and update your goals to make sure the advice remains appropriate, and any changes need to be linked back to your goals.","start_word":708,"end_word":737,"intents":[{"intent":"Update goals","confidence_score":0.01754841}]},{"text":"your income was about a 122,000, so it was a lower estimate than what we had originally. We had a 135 noted originally. So we just had to update the income protection quotes with Clearview.","start_word":829,"end_word":863,"intents":[{"intent":"Update income policy","confidence_score":0.012371466}]},{"text":"Unfortunately, we were unable to get the quote due by the end of the day when we were due to present the advice, so it did mean just moving it forward to this week for you.","start_word":864,"end_word":899,"intents":[{"intent":"Arrange future quote","confidence_score":0.00011668925}]},{"text":"As you are reviewing the document, we do outline your assets and liabilities as we had noted.","start_word":919,"end_word":935,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.48586303}]},{"text":"One of the things we sort of talked about was you were happy with the life and TPD cover. You had the level of cover, but your income protection was a bit low. So you weren't really covered for the full amount that you were able to based on your income, and you can Yeah.","start_word":1061,"end_word":1115,"intents":[{"intent":"Resolve income coverage issue","confidence_score":0.00097049016}]},{"text":"So we do wanna go back and have a look at increasing your income protection there for you.","start_word":1123,"end_word":1140,"intents":[{"intent":"Increase income protection","confidence_score":0.29069746}]},{"text":"So I've actually recommended that we do go with a new provider and apply for new cover.","start_word":1223,"end_word":1239,"intents":[{"intent":"Apply for new cover","confidence_score":0.11661201}]},{"text":"So it's Oh, a what much was that? cheaper Sorry?","start_word":1462,"end_word":1471,"intents":[{"intent":"Calculate cost","confidence_score":0.048709713}]},{"text":"So because we don't expect anything different between the providers, getting the new insurer with new insurance cover with Zurich works out to your benefit, gives you more income Yes.","start_word":1571,"end_word":1600,"intents":[{"intent":"Discuss insurance policy benefits","confidence_score":0.000978797}]},{"text":"So we just wanna make sure that each year we review these covers, that their insurances remain in line with your needs, and that we review them as regularly as possible, and that we keep the premiums as cheap as possible as well.","start_word":1838,"end_word":1880,"intents":[{"intent":"Reassure insurance coverage","confidence_score":0.0007336712}]},{"text":"I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma.","start_word":2218,"end_word":2233,"intents":[{"intent":"Explain benefits of trauma","confidence_score":0.00009751337}]},{"text":"I know with the trauma, the conversation there was that, essentially, you wanted to see what that would look like, what the cost of it would look like, and then you're welcome to decide whether you're able to take on the trauma or not. Yes.","start_word":2670,"end_word":2714,"intents":[{"intent":"Discuss trauma benefits","confidence_score":0.0015739928}]},{"text":"And with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens. I want you to get to retirement. You enjoy your life.","start_word":3064,"end_word":3097,"intents":[{"intent":"Discuss funeral benefits","confidence_score":0.013124557},{"intent":"Discuss funeral benefits","confidence_score":0.036402475}]},{"text":"And with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens. I want you to get to retirement. You enjoy your life. That's But it. in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral.","start_word":3064,"end_word":3141,"intents":[{"intent":"Provide funeral cost","confidence_score":0.011817533}]},{"text":"in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral. So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits.","start_word":3101,"end_word":3178,"intents":[{"intent":"Provide policy information","confidence_score":0.032088198}]},{"text":"It also does give them, you know, a bit of additional grief. You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits.","start_word":3244,"end_word":3278,"intents":[{"intent":"Offer grief support benefits","confidence_score":0.00056648033}]},{"text":"So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on. Yeah.","start_word":3316,"end_word":3352,"intents":[{"intent":"Review policy","confidence_score":0.3288615}]},{"text":"Is there any questions that have come out of that at all? Does that sound No.","start_word":3355,"end_word":3370,"intents":[{"intent":"Ask questions","confidence_score":0.07406084}]},{"text":"It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work.","start_word":3458,"end_word":3491,"intents":[{"intent":"Understand investment process","confidence_score":0.10363286}]},{"text":"Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you. Yeah.","start_word":3525,"end_word":3552,"intents":[{"intent":"Review super","confidence_score":0.2505367}]},{"text":"So when I kinda reviewed things, I am gonna make some changes to the investments.","start_word":3626,"end_word":3640,"intents":[{"intent":"Make investments changes","confidence_score":0.1571604}]},{"text":"But with the underlying investments there, we are essentially going to look to sell off the bank hybrids. They are more of a defensive investment for you. Think of them like bonds, essentially. You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back. These sorts of investments are lower risk in nature, but they also tend to get a lower rate of return. Yes.","start_word":3672,"end_word":3753,"intents":[{"intent":"Sell bank hybrids","confidence_score":0.21428114}]},{"text":"We're gonna replace them with core composite bonds.","start_word":3889,"end_word":3896,"intents":[{"intent":"Replace investments with composite bonds","confidence_score":0.00024888475}]},{"text":"All in all, the newer portfolio has also performed well. So one of the big things was that you used to be in more of a growth space. You wanted to take on a little bit more risk. This newer portfolio is encompassing more of a high growth environment there. It does have a five year rolling average showing it's retained about 11.86% on a yearly basis there. So Alright.","start_word":4760,"end_word":4829,"intents":[{"intent":"Update portfolio performance","confidence_score":0.01479112}]},{"text":"newer portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there. So Yes.","start_word":4833,"end_word":4884,"intents":[{"intent":"Provide advice on portfolio","confidence_score":0.004158879}]},{"text":"I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you. Okay?","start_word":4954,"end_word":4983,"intents":[{"intent":"Recommend non-lacsing binding nomination","confidence_score":0.033052787}]},{"text":"I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you. Okay? Yes. Cool.","start_word":4954,"end_word":4985,"intents":[{"intent":"Ensure receipt of receipts","confidence_score":2.8602037e-7}]},{"text":"My pleasure, Josh. I'll let you go for the afternoon. Have you got a few more hours of work, or are you nearly Yeah. done?","start_word":5278,"end_word":5302,"intents":[{"intent":"Educate about scheduling","confidence_score":0.0001483533}]}]},"sentiments":{"segments":[{"text":"Hello. Josh speaking. Hello? Hi, Josh. Hi, Josh. It's Dana from Oakview Financial. Can you hear me okay? Yeah. I can hear you. How are you going?","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.07327599823474884},{"text":"Oh, all good. I'm good. Thank you.","start_word":27,"end_word":33,"sentiment":"positive","sentiment_score":0.5206424593925476},{"text":"How are you doing? How's the Yeah. day been? Yeah.","start_word":34,"end_word":43,"sentiment":"neutral","sentiment_score":0.17277184128761292},{"text":"Going well. Thank you. Yeah. Day's good. Oh, that's good.","start_word":44,"end_word":53,"sentiment":"positive","sentiment_score":0.4184981882572174},{"text":"I had you booked in just to run through your updated advice document. This is some changes to your super insurance that we discussed last conversation. Is now still a good time there for you? Yeah. Yeah. Oh, legend. All good. I just I'm gonna email the document through to you as well. Are you able to review your emails? If you're not, honestly, it is okay. I just need to confirm. Are you able to look at the emails at all? Yeah. I am. Yes. Yeah. Legend.","start_word":54,"end_word":141,"sentiment":"neutral","sentiment_score":0.12012811750173567},{"text":"Excellent. Perfect.","start_word":142,"end_word":143,"sentiment":"positive","sentiment_score":0.46790075302124023},{"text":"So just sending this one through to you. So sorry if my hopefully, my email's come through fairly quickly. Just while it is coming through, can I just get you to confirm that you're happy for us to record the call moving forward? We do record our calls for training and quality purposes as well. Is that okay? Yeah. That's fine. Legend. And, also, just to do a quick security check there with you just to confirm your full name, your date of birth, and address I should Joshua have Daskinvski. on file. Yep. Fifteen of the fifth nineteen ninety two. Yep. Beautiful. Eighteen Dwire Crescent, Bellbridge, Legend. Vic 367 Avenue.","start_word":144,"end_word":254,"sentiment":"neutral","sentiment_score":0.1019684001803398},{"text":"Thank you so much for that.","start_word":255,"end_word":260,"sentiment":"positive","sentiment_score":0.4051593542098999},{"text":"Now I have sent that one through. Hopefully, it comes through fairly quickly there for you. I know technology can be a little bit of a pain sometimes. So if it doesn't, let me know. I can always press resend for you. There we go. And how's work been going? I know there's been a few changes with everything in the business. How is it all growing and building, or how's it Yeah. all been It's going? all, yeah, it's all growing well and building.","start_word":261,"end_word":345,"sentiment":"neutral","sentiment_score":0.02549154683947563},{"text":"Fantastic. It's down crazy, which is good. Oh, that's excellent, honestly.","start_word":346,"end_word":356,"sentiment":"positive","sentiment_score":0.5787971019744873},{"text":"Yeah. No. It's real good actually at the moment.","start_word":357,"end_word":365,"sentiment":"neutral","sentiment_score":0.22255386412143707},{"text":"Fantastic.","start_word":366,"end_word":366,"sentiment":"positive","sentiment_score":0.6191470623016357},{"text":"And, hopefully, just to keep building it over the next twelve months as well? Yeah. That's it. Yeah. Yeah. Yeah. Definitely.","start_word":367,"end_word":387,"sentiment":"neutral","sentiment_score":0.19133426249027252},{"text":"Excellent. Fantastic. So good to hear.","start_word":388,"end_word":393,"sentiment":"positive","sentiment_score":0.5738850831985474},{"text":"I know it was probably one of your main focuses last year when we sort of caught up was about just Yeah. building a business and growing it. So it's good if you're crazy busy. I mean, it's, you know, keeps No. you occupied. Definitely. Absolutely. Now just let me know if that one has come through. It also, just double check your junk mail as well. Sometimes it does go through to there. Yeah. Yeah. Not coming through on me. Fine. I'll just go to my compute. I'm safe to come through on me. Yeah. Yeah. You're right. Not an issue. I'm not I've got someone on the computer doing something. That's okay. If you wanted to, I can just run through the advice there for you. I'll try to keep Yeah. it as simple as possible. And then you can go back and have a really good read of it later as far as sometimes when I run through the document, I'm throwing a lot of numbers and things at you. So I'll try to keep it as simple as I can and then Okay. allow you to go back and have a really good read of it. And then just come back and let me know if you do happen to have any questions. Okay? Okay. Yes. Excellent. So with this one here, Josh, it does say on the front page that when you do see the document has been prepared for yourself as of the 07/08/2026 there. My authorized representative number is on the document for you. It is 1304394, and I have a quote attached on the Odoo sign, the financial services guide, which also outlines everything about who I am as an adviser and all my registration information there for you as well. Okay? Yes. Now all of that advice is provided in best interest to you. So, essentially, we go through the annual reviews and update your goals to make sure the advice remains appropriate, and any changes need to be linked back to your goals. Essentially, any advice provided does need to be in the best interest of you and working towards your goals. So as part of the document, as you are reading through that, you'll notice we do have a best interest duty statement on each of the recommendations, which links it back to your goals and notes why the advice is in your best interest. Okay? Yes. Now last time, when Samantha touched base last Wednesday, I know I originally had you booked in then. I'm so, so sorry. You mentioned That's that fine. your income was about a 122,000, so it was a lower estimate than what we had originally. We had a 135 noted originally. So we just had to update the income protection quotes with Clearview. Unfortunately, we were unable to get the quote due by the end of the day when we were due to present the advice, so it did mean just moving it forward to this week for you. So I do apologize on that one, but just to make sure the information's accurate for you there.","start_word":394,"end_word":917,"sentiment":"neutral","sentiment_score":0.05410816112732273},{"text":"Excellent.","start_word":918,"end_word":918,"sentiment":"positive","sentiment_score":0.5237658619880676},{"text":"As you are reviewing the document, we do outline your assets and liabilities as we had noted. And I know Samantha did update those with you as you spoke to her via email the other week. Feel free to have a look at those. If there's any major changes, please do let me know.","start_word":919,"end_word":972,"sentiment":"neutral","sentiment_score":0.19284212589263916},{"text":"I'm more than happy to update it on our end for you.","start_word":973,"end_word":984,"sentiment":"positive","sentiment_score":0.611235499382019},{"text":"And we've Yes. also got your current income your current life insurance policy there. So at the moment, you do have life TBD income protection through ClearView. At the moment, you have about one one million one hundred and fifty seven thousand three twenty nine of life and TBD, and you have income protection with a sum insured or a monthly benefit of 6,216. It's on a thirty day wait and a five year benefit period. One of the things we sort of talked about was you were happy with the life and TPD cover. You had the level of cover, but your income protection was a bit low. So you weren't really covered for the full amount that you were able to based on your income, and you can Yeah. be covered for up to 70% there. So we do wanna go back and have a look at increasing your income protection there for you. We did, as part of this, go and have a look at what it looks like to increase with ClearView, which is your current insurer. We did also look at other insurers out there because whilst whilst increasing with the current provider does limit the underwriting to just the increase, it also can be more expensive depending on the provider as well. So it actually came Yes. out that Clearview was gonna be a lot more expensive than other providers out there. So I've actually recommended that we do go with a new provider and apply for new cover. So I'm actually Yep. just quickly pulling up the quote for you. The current the quote to increase with Clearview ended up being over 3,000 roughly about $3,400. So it was quite an increase on the premium policy. Yes. So what I've essentially gone down is I've gone back, and we've used your last pre assessment, and we've gone that back and done a bit of a pre assessment with the other providers to see essentially what they might offer in the way of terms. Now on your current policy, you do have an exclusion, which is essentially noted for your knee. Sorry. I'm just going down here. If you're fine in your knee, with Yes. any other provider out there, those exclusions will still apply. But because it looks like there's been no other changes in your health, we're not expecting any additional ex exclusions or loading.","start_word":985,"end_word":1387,"sentiment":"neutral","sentiment_score":0.045419821138990575},{"text":"So it does mean that essentially applying for a new cover is gonna be a lot cheaper.","start_word":1388,"end_word":1404,"sentiment":"positive","sentiment_score":0.39882972836494446},{"text":"Instead of having a premium of over $3,000 on a yearly basis to be able to increase your income protection, we can apply for new cover with for life TBD, the same sum insured you have now, and also a higher level of income protection with Zurich. And it kinda comes out to $2,288.39 for the year. So it's Oh, a what much was that? cheaper Sorry? Two premium. thousand Two thousand two hundred and eighty eight dollars and thirty nine cents. 98. Yes.","start_word":1405,"end_word":1488,"sentiment":"neutral","sentiment_score":0.17206957936286926},{"text":"Nice.","start_word":1489,"end_word":1489,"sentiment":"positive","sentiment_score":0.34769368171691895},{"text":"Yeah.","start_word":1490,"end_word":1490,"sentiment":"neutral","sentiment_score":0.14941275119781494},{"text":"So it's actually a lot cheaper. It gives you a higher level of cover, and it does mean going back to a new application to reinstate life, safety, and income protection.","start_word":1491,"end_word":1521,"sentiment":"positive","sentiment_score":0.5351575613021851},{"text":"But there's Yeah. no real disadvantage here unless you have major changes to your life or your health.","start_word":1522,"end_word":1539,"sentiment":"neutral","sentiment_score":-0.1499641239643097},{"text":"Hopefully, you're still nice and healthy.","start_word":1540,"end_word":1545,"sentiment":"positive","sentiment_score":0.3360722064971924},{"text":"But, essentially, what we expect with the loading and the exclusions and to be exactly the same as what you currently have on your policy. So because we don't expect anything different between the providers, getting the new insurer with new insurance cover with Zurich works out to your benefit, gives you more income Yes.","start_word":1546,"end_word":1600,"sentiment":"neutral","sentiment_score":0.1974683701992035},{"text":"protection, the same level of life and TPD. It still has the Yes. thirty day wait and the five year benefit period for you. It's just that it's a much cheaper premium. So at the end of the day, it means you have less money coming out of your super and, you know, more money retained in your super growing and compounding for you at the end of the day.","start_word":1601,"end_word":1670,"sentiment":"positive","sentiment_score":0.46639013290405273},{"text":"Okay? Yeah. Yep. Yeah.","start_word":1671,"end_word":1674,"sentiment":"neutral","sentiment_score":0.26013320684432983},{"text":"As I kinda mentioned, does mean that, obviously, it is a cheaper policy, so it does benefit you.","start_word":1675,"end_word":1692,"sentiment":"positive","sentiment_score":0.3700434863567352},{"text":"We have checked Cool. the loadings and exclusions, so we do know what's expected on the policy. There is obviously the risk that if you go to application that there have been changes in your health since we last have done the pre assessment, that there could be other loadings or exclusions. But once he goes through the application process with my team, they will flag it with me if there's anything different, and I will review before we submit. So we can always come back and reassess down the track if we have to. Yes.","start_word":1693,"end_word":1788,"sentiment":"neutral","sentiment_score":-0.0948728397488594},{"text":"It's insurances are essentially one of the biggest risks we do have with insurances is that we pay for the premiums.","start_word":1789,"end_word":1809,"sentiment":"negative","sentiment_score":-0.39141181111335754},{"text":"We get to retirement.","start_word":1810,"end_word":1813,"sentiment":"neutral","sentiment_score":-0.30176621675491333},{"text":"We've never claimed on them. The insurances get canceled or they expire, and we don't actually get any of the benefit of them.","start_word":1814,"end_word":1836,"sentiment":"negative","sentiment_score":-0.44735345244407654},{"text":"So we just wanna make sure that each year we review these covers, that their insurances remain in line with your needs, and that we review them as regularly as possible, and that we keep the premiums as cheap as possible as well. Because one of the biggest things is these premiums are steps. It does mean that they will increase over time as your as you get older, as you get closer as the risk of you as you get closer to retirement, sorry, the risk of you making a claim increases. So these policies do get more and more expensive over time. So we just wanna keep Yes.","start_word":1837,"end_word":1946,"sentiment":"neutral","sentiment_score":0.07502955198287964},{"text":"reviewing those, keep them as cheap as we possibly can, and, look, honestly, if we can save a few $100 on a yearly basis and, you know, you know, get you a new level of cover that provides a greater benefit to you and is more in line with your needs, then it's absolutely a benefit to you. Okay. Definitely. Thank you.","start_word":1947,"end_word":2008,"sentiment":"positive","sentiment_score":0.5439437031745911},{"text":"Yeah. Yeah. That's okay. Do you have any questions about the insurances so far? I will let you go back and read it. I'll try to sort of keep it as you know, try to give you as much information as I can without Yeah. overwhelming No. That's you great. and No. talking That's at you. yeah. Pretty much covered it all. I don't really have any questions. Yeah. That's okay. The other thing you do wanna look at was obviously getting a bit of trauma as well. So if you remember back to our last conversation, trauma pays out a lump sum tax free benefit in the event that you're diagnosed with a major condition that covers things like cancer, heart attacks, known to like, motor neurone disease or Parkinson's disease, or other neurology not sorry. Neurological conditions. Yes. Essentially, trauma is an out of pocket cost. So you wanted me to have a look and show you what trauma looks like. I Yes. did do so. What I've essentially done to try and make trauma more cost effective for you is I've also linked a little bit of life to it. So we are looking to because your income back when we spoke was about 135,000. I know it's a bit lower now, but I'm still looking recommending that $1.35 of trauma.","start_word":2009,"end_word":2232,"sentiment":"neutral","sentiment_score":0.016411412324357246},{"text":"It just means you get that extra sort of benefit in the event that something happens. It gives you a little bit more than a year's worth of income to take some time off if you're diagnosed with something, work out what you wanna do, continue to pay your bills, and just sort Yes. of work out what you're needing to do moving forward there.","start_word":2233,"end_word":2297,"sentiment":"positive","sentiment_score":0.5004825592041016},{"text":"Yes. So with trauma, it is an out of pocket expense. It does mean you'll just pay the benefit on a monthly basis out of your bank account or your credit card, however you're comfortable to do so. Yes. We've linked a bit of life cover too that the reason for linking life to it at the same amount, the sum insured of a 135,000, is that by linking life to trauma, you get a multi policy discount. Having the trauma trauma stand alone actually makes the policy more expensive. So linking Yes. a little bit of life to the policy means that in the event of a traumatic condition, you're able to claim on the trauma benefit. But then if you then pass away, whilst your life insurance out inside of super pays out to your beneficiaries, you also have this extra bit of life cover to sort of fall back on as well. One Yes. of the main benefits to having life cover outside of super is that you also get access to funeral expenses. This is a benefit that you don't get access to when you hold life insurance inside super, but it means Yep. that if in the event that you would have passed away by having the trauma benefit outside of super and that life cover outside of super. Your beneficiary can claim the funeral benefit, and they get that money paid out to them generally within twenty four hours of providing a death certificate. So it's Yes. an extra benefit to having a little bit of life cover paid outside of super there, and we can keep reviewing those covers. To hold the trauma and the life cover outside of super, it's noted here that we would expect the premium to to be about $19.92 on a monthly basis there. So very small premium to hold Yes. a 135,000 worth of trauma and a extra bit of life cover outside of super for you as well. Okay? Oh, yeah.","start_word":2298,"end_word":2632,"sentiment":"neutral","sentiment_score":0.15743304157435004},{"text":"Cool. Yeah. All good. As noted, I do have the best interest duty there for you.","start_word":2633,"end_word":2648,"sentiment":"positive","sentiment_score":0.46781858801841736},{"text":"Have a bit of a read through that. Do let me know if you do happen to have any questions. Yeah. I know with the trauma, the conversation there was that, essentially, you wanted to see what that would look like, what the cost of it would look like, and then you're welcome to decide whether you're able to take on the trauma or not. Yes. On the last page of the advice document, we do have a little text box. So if you decide you're not comfortable, you know, your expenditure is a little bit tight at the moment with the cost of living, that you're not really able to cover the trauma and you wanna maybe just disregard that part of the advice, that's definitely fine. Just make a note on the last page there, and we'll make sure we adhere to that for you. Okay. Yeah. Yeah. Yeah.","start_word":2649,"end_word":2799,"sentiment":"neutral","sentiment_score":-0.01011799555271864},{"text":"Cool.","start_word":2800,"end_word":2800,"sentiment":"positive","sentiment_score":0.3340570628643036},{"text":"Cool. Do you have any questions about the insurances so far? With the trauma, so that's a year a year's paid out. Paid out Yep. for a year's up to a year. Yeah. So we recommended just a year's worth of income based on the last income estimate of 135,000. So now it's a 122. We can always reduce that if we needed if you wanted to as well. Yeah. But, yeah, I mean, some people do prefer to have a higher amount of trauma. It's more just about what you wanna have paid at, what you think you might need to, you know, take time off or what you might wanna have paid at in the event of a traumatic diagnosis. So some Yes. people do prefer just to have one year's worth of living expenses or one year's worth of income, which gives them twelve months to take time off work, look at maybe recovery periods, cover their expenditure, maybe focus on their family and health and whatever they need to that time frame. Other people do prefer to maybe cover the cost of mortgages and things like that or to cover, you know, a couple of years of Yes. living expenses. Yes. So it's very much an individual decision, but that's just Yes. to show you what it would look like based on our last conversation. If you wanted additional quotes, you're welcome to let me Alright. know, and I can always draw something up for you. Yeah. Yeah. Cool. Yeah. That's alright. I'll have a look at that.","start_word":2801,"end_word":3062,"sentiment":"neutral","sentiment_score":0.03934041683682959},{"text":"Absolutely.","start_word":3063,"end_word":3063,"sentiment":"positive","sentiment_score":0.42752858996391296},{"text":"And with the funeral benefit with Zurich, essentially, in the first if you were to pass away, I certainly hope that nothing happens.","start_word":3064,"end_word":3086,"sentiment":"neutral","sentiment_score":0.2055557072162628},{"text":"I want you to get to retirement. You enjoy your life.","start_word":3087,"end_word":3097,"sentiment":"positive","sentiment_score":0.41631948947906494},{"text":"That's But it. in the event of passing and your family having to claim on that, it essentially means your beneficiary can claim the it's generally up to 15,000 with Zurich, within twenty four hours so they can cover the cost of a funeral. So that's one benefit that I do like to have so having that life policy held outside of super, it does mean that with life cover held inside super, you're not able to access these additional benefits. That means that in you without having that extra bit of life cover, with only having a life held inside super if you were to pass away, your family would have to cover the cost of your funeral or, you know, find Yes. some money to fall back on and then be reimbursed later.","start_word":3098,"end_word":3232,"sentiment":"neutral","sentiment_score":0.11036626249551772},{"text":"So this just kinda gives that as as that extra benefit.","start_word":3233,"end_word":3243,"sentiment":"positive","sentiment_score":0.3390875458717346},{"text":"It also does give them, you know, a bit of additional grief. You know, if you have someone who's lost or you something's happened to you, the family members can also access grief support benefits. These policies do go through renewal every year and to increase. You get future increases as it goes through renewal. But, again, the same as with this policy, it will get more expensive the older you get. So we just wanna keep reviewing the policy and keep drawing it back as we need to to make make sure it doesn't get too expensive and too hard to pay for as time goes on. Yeah.","start_word":3244,"end_word":3352,"sentiment":"neutral","sentiment_score":0.008770870976150036},{"text":"Cool. Perfect.","start_word":3353,"end_word":3354,"sentiment":"positive","sentiment_score":0.4062812626361847},{"text":"Is there any questions that have come out of that at all? Does that sound No. fairly No. No. straightforward? That's pretty Yep.","start_word":3355,"end_word":3377,"sentiment":"neutral","sentiment_score":0.07330237102249394},{"text":"good. Thank you. Beautiful. All good.","start_word":3378,"end_word":3383,"sentiment":"positive","sentiment_score":0.6424800157546997},{"text":"I will let you go back and have a really good read of that, but let me know if there's Yeah. any additional questions that come out of the insurance side of things. If you like a bit of a reading material, I've also got the product disclosure statements attached for Zurich and for your current provider. It would be Super Hub 24 as well, so you're welcome to run your eyes over those. It does explain a bit more detail about the products, what you can claim on, the types of events that they cover, and also how the premium structures work, how the claims processes work. It's quite interesting if you're into a bit of reading material. So they are attached for you. Not everyone's that interested, but feel free Okay. to run your eyes over. All good, Josh. Now the other thing I wanted to sort of go through with you is as a part of the advice, I did review your super for you. Yeah. We have sort of noted there have been some changes in the market. Your super has been doing really well over the last few years, but I did notice there has been some underperforming investments. So I wanted to go back and just make some changes there for you. I don't Yeah. want you to be in anything underperforming. Wanna make sure your super is working as hard as possible for you. Yeah. So when I kinda reviewed things, I am gonna make some changes to the investments. So keeping Hub twenty four, I did review the platform. There's been no major changes that we need to kind of alter or make changes to the platform at the moment. But with the underlying investments there, we are essentially going to look to sell off the bank hybrids. They are more of a defensive investment for you. Think of them like bonds, essentially. You put money into the investment and you get income payments out made generally every month, and that income gets generated into your cash account then reinvested back. These sorts of investments are lower risk in nature, but they also tend to get a lower rate of return. Yes. So these are the bank hybrids. They're more of a more of a complex investment. Essentially, they are being phased out by the government over the next few years. So whilst I did note there were some underperforming investments we need to maybe look at making some alterations to, I felt it was best to maybe look at removing these now, replacing them with something else, and then let rather than having to wait till down the track when we have to make those changes quickly and then having Yes. to make changes to your portfolio then if we don't need to. So just sort of working out which is the best way for you. Yeah. Removing them now is absolutely fine and great. So we are looking to sell all the bank hybrids down. We're gonna replace them with core composite bonds. So very similar sort of investment of the bonds. So bonds this encompasses both government and corporate bonds for you. Essentially, it does provide income payments. They're just more of a simplified investment, and we're gonna keep about 5% of your portfolio in the core composite bond side of things. We also noticed here that the Benelong Australian Equities. So you probably remember you have had Benelong in your portfolio for the last couple of years. Benelon Yes.","start_word":3384,"end_word":3974,"sentiment":"neutral","sentiment_score":0.03379494856961084},{"text":"has unfortunately had some underperformance this year.","start_word":3975,"end_word":3981,"sentiment":"negative","sentiment_score":-0.4065670967102051},{"text":"They've had some issues with the underlying investments, and they have not been able to come out of that. So our investment committee had a look at things, and they decided it was worth removing that from everyone's portfolio. Yeah. They want us to be underperforming and, essentially, with standalone being removed, we needed to replace that to keep your estate equities portion. So we're gonna replace that with the beta shares a 200. Essentially, Yeah. we wanna hold about 25% of your portfolio in that investment. One of the benefits to replacing it with a 200 is that Benelon generally hold between 15 to 25 different investments depending on what is happening within that portfolio.","start_word":3982,"end_word":4097,"sentiment":"neutral","sentiment_score":-0.04889947175979614},{"text":"With having the a 200, you're actually increasing a diversification in your exposure because you're tracking the top 200 companies on the ASX. So it is increasing diversification, helping to lower the overall risk of your portfolio, and it's actually cheaper investment as well, which is really important.","start_word":4098,"end_word":4145,"sentiment":"positive","sentiment_score":0.4339880049228668},{"text":"So more money left in your super working harder for you. Okay? Alright.","start_word":4146,"end_word":4158,"sentiment":"neutral","sentiment_score":0.1891385270999028},{"text":"Cool.","start_word":4159,"end_word":4159,"sentiment":"positive","sentiment_score":0.4214547872543335},{"text":"Yeah. Other areas that we are gonna look at replacing, our agriculture has done really, really well, but we are just gonna remove that from the portfolio. We're gonna keep you as mythical gold, but just sell some of that.","start_word":4160,"end_word":4199,"sentiment":"neutral","sentiment_score":-0.033748459070920944},{"text":"You're a little bit over exposed at the moment.","start_word":4200,"end_word":4208,"sentiment":"negative","sentiment_score":-0.36847925186157227},{"text":"We wanna hold about 7%. You currently have about 13%. So Yes.","start_word":4209,"end_word":4220,"sentiment":"neutral","sentiment_score":0.007709377445280552},{"text":"it has seen some really good gains with gold because there's no income coming out of that. We just wanna cement the gains that have been generated and reestablish, essentially, just put the money into other areas for you as well.","start_word":4221,"end_word":4261,"sentiment":"positive","sentiment_score":0.5646704435348511},{"text":"Yes. We have also got some cybersecurity. We wanna keep that. You're about 6.9 there at the moment to sell. Some of that often bring you back to 6%.","start_word":4262,"end_word":4290,"sentiment":"neutral","sentiment_score":0.1339646726846695},{"text":"The s and p 500 is great. You have still got that.","start_word":4291,"end_word":4302,"sentiment":"positive","sentiment_score":0.5069204568862915},{"text":"We wanna keep that, but we just wanna bring your exposure up a little bit. Your exposure's reduced to 28. We wanna have about 35%. So just putting some more money into the s and p five hundred. I know there Yes. has been a lot of people unsure about, you know, what's happening with The US and everything.","start_word":4303,"end_word":4361,"sentiment":"neutral","sentiment_score":0.08754868060350418},{"text":"It is still a great place to be invested, and it has still seen great returns.","start_word":4362,"end_word":4377,"sentiment":"positive","sentiment_score":0.4827871322631836},{"text":"Yeah. This is about going through those downtimes and going through the volatility that we have seen with them. Okay? Yeah.","start_word":4378,"end_word":4398,"sentiment":"neutral","sentiment_score":-0.13450610637664795},{"text":"Cool.","start_word":4399,"end_word":4399,"sentiment":"positive","sentiment_score":0.33737272024154663},{"text":"You've got the Raffy two hundred, sir, essentially mid cap stock there because we are selling out of Bannalong and buying into the a two hundred, but also gonna get rid of the Raffy. You don't need to be overexposed in Australian equities, and having the one investment makes cheaper and keeps you invested and diversified. Yes. We've also gotten those ClearBridge infrastructure funds, so we're gonna remove that completely. Has been a good investment, but it is time to sell it off and just update the portfolio a little bit. With selling off those investments at the end, once we complete the restructure, you will see about 7% in physical gold, about 6% in cybersecurity, about 35% in the s and p 500, The US exposure, 9% in Europe, 5% in Japan. We're also gonna include the all world excluding The US exposure, so 8% globally encompassing the entire globe minus The US, 25% in the Australian equities portion, and then 5% in bonds to key give you some defensive investments, which is gonna be really cool. Yeah. I will let you read through that because it is a lot. But do you have any questions at the moment, Josh? No? All good. Essentially, once we kinda go through that, we did look at the CGT consequences because just like you do a tax return every year, so this is super fun. Yep. To make the changes in the portfolio, we estimate the CGT to be $65. So not Alright. a bad CGT consequence at all. Yes. And investment fees by altering the portfolio, we can save you for the first year $350 in investment fees.","start_word":4400,"end_word":4676,"sentiment":"neutral","sentiment_score":0.16938475801841446},{"text":"So a good saving on investment fees, more money staying inside your super working harder for you. Beautiful.","start_word":4677,"end_word":4694,"sentiment":"positive","sentiment_score":0.49082979559898376},{"text":"And then, also, with the new policy with Zurich, we will cancel the policy. So, essentially, the way this'll work is we'll start by doing the investment switch. We'll then get you to apply for the New Zurich insurance policy. Once that policy has been placed in force, we'll help you cancel the ClearView policy there as well. Okay? Yeah. Yep. Two.","start_word":4695,"end_word":4756,"sentiment":"neutral","sentiment_score":-0.05212508887052536},{"text":"Beautiful. All good. All in all, the newer portfolio has also performed well.","start_word":4757,"end_word":4769,"sentiment":"positive","sentiment_score":0.5199977159500122},{"text":"So one of the big things was that you used to be in more of a growth space. You wanted to take on a little bit more risk. This newer portfolio is encompassing more of a high growth environment there. It does have a five year rolling average showing it's retained about 11.86% on a yearly basis there. So Alright.","start_word":4770,"end_word":4829,"sentiment":"neutral","sentiment_score":0.07823042571544647},{"text":"this Cool. newer portfolio obviously is cheaper, has can put you in a better position, and projected forward, you'll see in the advice document over the next five to ten years can put you in a better position if it's able to achieve that kind of return on a yearly basis there. So Yes. all in all, it looks really good. Yeah.","start_word":4830,"end_word":4891,"sentiment":"positive","sentiment_score":0.5593695082972127},{"text":"Essentially, just go back and have a really good read through it. Let me know if you do happen to have any questions there. The only other thing I sorta had in here for you was just with your new Zurich life insurance policy, just making sure the beneficiary nominations are applied to that, and we'll Yeah. help you set that up. I'm just recommending a non lapsing binding nomination to make sure that the proceeds are paid to your staff and you sent that anything was to happen to you. Okay? Yes. Cool. Yeah.","start_word":4892,"end_word":4986,"sentiment":"neutral","sentiment_score":0.17122066020965576},{"text":"Awesome.","start_word":4987,"end_word":4987,"sentiment":"positive","sentiment_score":0.4622061252593994},{"text":"I know there is a lot to go through. Do you happen to have any questions at the moment? Or No. No. No. No. No. No. No. No. No. No. No. yeah. No. No. No. No. No. No. No Thank you. Thank you. Well, I'll let you go back and have a read through the document. Let me know if you do happen to have any questions there. We it does have all the advantages, disadvantages, risks involved, or anything, you know, additional that we might need to make note for you. So you're welcome to have a really good read through that one. Yes. I've also got the ongoing service agreement there for you. So if you you know, we need to update that for the next twelve months as well. You do pay an ongoing service fee of 1.65% for us to update the advice, make sure everything's quite well and reflective there for you. If you can just, you know, have a look through those, sign and return those back for me, we can have them implemented nice and quickly for you. Okay. Yep.","start_word":4988,"end_word":5174,"sentiment":"neutral","sentiment_score":0.13751232624053955},{"text":"Of course. Fantastic. All good. That's basically everything I needed to go through with you there.","start_word":5175,"end_word":5190,"sentiment":"positive","sentiment_score":0.40346813201904297},{"text":"Is there any questions or anything else that you might need from me at the moment? Is anything kinda popped up additional? Or Yeah. No. That's all good at the moment. Thank no. you. That's okay.","start_word":5191,"end_word":5226,"sentiment":"neutral","sentiment_score":0.059772787201735705},{"text":"All good.","start_word":5227,"end_word":5228,"sentiment":"positive","sentiment_score":0.3474734425544739},{"text":"Well, feel free to read through the document. Let me know if there's any questions that pop up. And, yeah, hopefully, it pops through to you fairly soon. If it doesn't, just let me know, and we can always resend it through. Okay? Yes. No worries.","start_word":5229,"end_word":5274,"sentiment":"neutral","sentiment_score":0.08098814636468887},{"text":"Thank you. Fantastic. My pleasure, Josh.","start_word":5275,"end_word":5280,"sentiment":"positive","sentiment_score":0.4844416677951813},{"text":"I'll let you go for the afternoon. Have you got a few more hours of work, or are you nearly Yeah. done? Couple more hours and then home. Yep.","start_word":5281,"end_word":5309,"sentiment":"neutral","sentiment_score":0.11280085891485214},{"text":"Well, thank you so much for taking the time to take my call. I appreciate it. I know your time is very precious. All So, good. yeah, I we'll appreciate it.","start_word":5310,"end_word":5340,"sentiment":"positive","sentiment_score":0.5332551598548889},{"text":"no worries at all.","start_word":5341,"end_word":5344,"sentiment":"neutral","sentiment_score":0.2966642379760742},{"text":"You have a great afternoon.","start_word":5345,"end_word":5349,"sentiment":"positive","sentiment_score":0.5773429274559021},{"text":"I'll talk to you soon.","start_word":5350,"end_word":5354,"sentiment":"neutral","sentiment_score":0.31268173456192017},{"text":"Thank you.","start_word":5355,"end_word":5356,"sentiment":"positive","sentiment_score":0.36245304346084595},{"text":"Bye. Thanks, Josh. See you later.","start_word":5357,"end_word":5362,"sentiment":"neutral","sentiment_score":0.28400349617004395}],"average":{"sentiment":"neutral","sentiment_score":0.11771589195680862}}}}