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Is now still a good time there for you? Yep. Fantastic. I believe you're off work at the moment. Is how's everything been going for you? Oh, I'm so sorry. Oh, wow. Wow. How how long are they sort of saying for recovery at this point? Yeah. Yeah. Wow. Yeah. No. Completely understandable. I know when you spoke to my colleague, Maddie, and said they booked you in to have the advice updated, the advice I am providing today doesn't affect any income protection claims or anything on there. It's solely based around your super and the investments within for you. Okay? Yep. All good. And before we jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful. And just for the security there with you as well, I'm sending the document out for you to have a look at, but I also just need to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Yes, please. Sorry. Okay. Are you I have another address. You are. Sorry. That's right. So have you moved now? Oh, congratulations. Yeah. That's incredible. What's gonna be the yeah. What will be the address there, and I can update your file for you? Yep. Sorry. Beatie Road? Yep. K T I E. Beautiful. Thank you. And it's Coomera. Beautiful. Well, congratulations on that as much as you're off work at the moment, and you have a lot going on. It's exciting that you got a new place, and hopefully everything goes well with the moving. I know. I know. Do you have many other people helping you with the moving so it's not to strain yourself? Yeah. Oh, that's good. No. No. At least you've got some time to sort of settle in, though, on the on the positive side. Oh, perfect. Well, Andrew, I have to send through this document to you. Do you happen to have access to your emails at the moment just because sometimes it's easier to kinda review the document that I'm looking at? Sorry. You're right. Not an issue. Mhmm. That's the one. So you'll see that sorry, I do apologize, when you open the documents, there has been prepared for yourself as of the 03/03/2026, prepared by myself, Sandra Taylor. And on the bottom of the front page, you'll see my authorized representative number as a licensed financial adviser. It is 1304394. Okay? Beautiful. As you ask for the scrolling through the document, I'll make this a little bit easier on you because you're welcome to go back and have a read of it before you take on any of the advice, but there are quite a lot of pages there, admittedly. I can see that there would be one change to your circumstances, which is your assets and liabilities now with the change of your property. However, I'll go back in the back end and update that for you. There it it happily doesn't affect the changes in in the advice that I'm providing today. Okay? All good. Now to make this a bit easier for you, if you can scroll, sorry, directly down to page number if we go into page number nineteen and twenty. Yep. Yep. I'll yeah. Yeah. It it should be if you press on the sign button and continue right through, it should let you open that document you're looking at. Yep. Yeah. It I promise it won't make you sign anything. It's just so you can scroll through that document that you're looking at there. Yep. Nineteen and twenty. Can you see that there? Yep. Beautiful. So the heading on there or the big red heading will say investments. Is that the page that you're looking at, Andrew? Yep. Beautiful. Now when we did your annual review back around January, we sort of had that chat about some of the underperforming investments. We have obviously seen some changes in the market conditions, and we talked about how your performance was a bit lower than expected with Benelon having been underperforming there. There. So as you and I discussed, we are getting rid of that completely. We don't wanna keep anything that's not performing well. But I've also gone back and restructured all the investments within your super for you. So we also talked about our newer product, is a separately managed account. Do you remember going through that with me? Yeah. Beautiful. So, essentially, I am making the recommendation with regard to your super there that we retain Hub 24 as a product. There's nothing wrong with the product. It's still a great platform there, but we are gonna switch you out of the current investments and move you into the separately managed account there. One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming. But having that separately managed account means that at times of high volatility, which is what we're kinda seeing at the moment with what's happening globally there, it means that our investment committee in if we will have to work with the BlackRock investment committee. So BlackRock are one of Australia's largest investment firms, and we utilize their investment managers and their analysts to help us kind of make those decisions. So in sort of cooperation with BlackRock, our investment committee can be making changes to your super to the underlying investments to remove yeah, so with this here, you'll see we're essentially selling all of the battery lithium tech that then along the bank hybrids there will be gone. We there is physical gold within the portfolio there. However, it just shows that we'll be getting rid of that investment. Essentially, what happens is we will have 24 in specie transfer. Any whole assets they can in that estimate, but this is just showing you that we essentially will be removing most of these investments here. Okay? On the bottom of the next page there, so the top of the next page there, you'll see at the bottom of that table, you've got two options. It says catalyst and bloom, and you'll see that the green buys into those SMA products. So what's essentially gonna happen is we're gonna in CC transfer as many assets as we can into the SMA. What we can in CC transfer will be sold off, and we will buy into the two SMA products, so the catalyst and the bloom. We essentially buy into those at 3366%. So it keeps you in that asset allocation that you need to have. So when we kind of look at things, you're in that high growth environment, which normally sees that 90% growth asset. And to make it easier, if you scroll down to the next page for me, you'll see the asset allocation of how that risk profile should out should be set out. So you'll see it's about 90% in growth investments, so things like Australian and international equities, and then the other sort of 10%, sorry, in defensive investments, so things like fixed interest, alternative defensive assets, and cash as well. With your current asset allocation, you're a little bit low on the mark there. So your current asset allocation has you sitting at 81 percent growth investments and 19% defensive. It's not too far off. It's more of a growth portfolio than the high growth environment. So by moving into the SMA, you'll have your growth investments back up to eighty eight point eight seven percent and eleven point one three in defensive investments there. So what you'll essentially see is when you look at your super fund, you'll see your two different estimated products with the catalyst and the bloom there, and you'll see the amount of money you have invested between both of those. The benefit to, yeah, the benefit to this product is that while you lose a bit of visibility there, as I kinda mentioned, by not having all the visibility of the underlying investments, it gives us greater control to make those changes for you to make sure things are always moving and that they're always changing in relation to market conditions. So you're investing correctly, and we can rebalance things as well to make it easier for you. A really good example is a couple of weeks back, we actually did meet with the investment committee there, and they did let us know they were rebalancing and making some changes to some of the underlying investments. So since we last sort of caught up, they've made some changes, which is fantastic. But it means that they automatically make those changes on your behalf so that, you know, when things need to change, you don't have to update the advice and go through this every time with you. We can just complete that for you on your behalf to make it easier. Okay? That's no, that's correct. So this will this will be a lot easier for you. It doesn't take away the need for reviews in any way, shape, or form. So it's really still important that we do review your super do make sure that the FMA continues to work for you. And when you find that you're no longer comfortable in that high growth environment, that you let me know, and we can reevaluate that for you as well. Okay? Yeah. Yeah. Yep. Some of them have, some of them haven't. We did sort of see probably about about six to eight weeks ago, there was more of a heavier drop. Since then, we have seen a bit more of a recovery. So, realistically, when I've been sort of looking at everything, when that war was sort of new and everything was happening and Trump was getting really aggressive, we did find there were some very heavy drops in the market there. But since renewed calls of the ceasefire and the talks and things like that have been back in play, we do find that investors are a little bit more confident in the market. And we have seen some recovery period out of it. It hasn't recovered right back to where it was, but it is moving towards that area. So it it hasn't actually been as bad as we thought it was gonna be. It is always an unknown. And one of the things we did talk to the black box economists about was, you know, what they sort of see. They don't know no one knows how long this is gonna go on for, but there are hopes that'll hopefully be over soon. As much as the war and the is the big thing that's sort of happening between The US and Iran, it's kind of the big focus at the moment. We also do have higher inflation within Australia as well. So that has been affecting the fixed interest in the bond markets a little bit. So that's sort of we've kind of been seeing the dips on two fronts at the moment, but economists think we're gonna have high inflation for a bit longer. They reckon for the yes for the rest of the year, and it could get quite high. We're certainly hoping it doesn't. But, look, we have seen some recovery back. And the estimate is a really good place to be in this sort of climate because we do have the BlackRock investment committee working hard with our investment committee so we can sort of see what the economists and the analysts are saying about the future and try to realign investments to sort of suit the current climate. So that really works in your favor. Does that make sense? Yeah. Beautiful. If anything does, then you're welcome to let me know. Okay? You're yeah. Beautiful. I love it. I love it. Now if you can scroll down to page number 22 for me, this is essentially the fee table. So it's really important to note that whenever we're making recommendations, we do look at the fees and the structure and how that's gonna affect you and your super funds. So you'll see here you've got your fee comparison table, and the first column is your current scenario, so your current super balance and the fees that you are currently paying and your insurance premiums current in the fund at the moment. And at the moment, as I mentioned before, you're in more of that growth environment there. So you've the average return that this portfolio currently has been is about 13.87. Within the estimated product, it has actually seen a greater three year rolling average. If that was to be able to continue, on the next page, you can see where you could end up over the five to ten years. It gives you a bit of a projected outcome there. In saying that we are seeing a lot of volatility at the moment, so I don't think you you know, I know for a fact you're not gonna get 15% every year. But, essentially, if we can kind of and you get it close to or even it out over the longer term, you could see your balance increase significantly there. Okay. That's the current portfolio. The recommended, if you were able to get a 15.32% return every year for the next five to ten years, you could end up with 214 thousand or 300 and 18. Yeah. Yeah. It all all depends upon what markets do. I always suggest we take projections out of as a grain of a cell. We're utilizing past data, and with current market conditions, anything could happen in the next month or so. I do like to have this as a grain of salt, but we do look at past data when we are looking at investments because investments that have seen greater past returns, we essentially it opens you up to the fact that you can receive greater potential returns because of it. So we do have to use past data. We are looking for the best performing funds that we've seen over the past few years to be able to look at how we, you know, maneuver things in the future for you. Okay? Yeah. Yes. Yep. Correct. That's correct. Yeah. So with the if you were to get that 15% every year over the next ten years, the recommended portfolio can be projected to get to 389,000. Yeah. Oh, that's down. So this is essentially the idea of a projection table is to show you the difference. So we're not changing any insurances at the moment, but this is showing you because inside super you are paying for your insurances out of your super fund, it does have an ongoing impact. So you can see the first two columns of that table are your current product, your recommended, but then it also shows that if you didn't have any insurances inside super and you were able to get that 15% return, this is where you could end up over the next five to ten years. Yeah. It's essentially just showing you the impact that insurances has on your super because you're going on claim. You're not sort of and you're off work at the moment. We're not making any changes. We're retaining all your insurances exactly the way they are, but we do have to kind of note and it's in there is a limited scope, so we're not making any changes to the product in any way, shape, or form. But we do know when we are changing the super, there is a long term impact of insurance premiums being paid out of super. So this is to show you that impact on what it could look like. Okay? Yeah. But we'll keep reviewing yeah. Of course. Sorry. Yeah. Yep. Yep. Yep. So well yeah. No. That's a yeah. So what we're sort of looking at when we sort of talk about that is there's no real set set rate of return. What we're sort of looking at is what we're chasing with regard to your risk profile. So because you're in a high growth portfolio, you've got that ninety ten split. You're taking a bit more risk in the market. You're wanting to get greater returns. The expected return you'd want out of this risk profile is about eight to 10%. So if you're able to obtain a 15% return every year, that's exceeding the annual expected return to your risk profile. And if you were in the growth environment, which is where you are at the moment, it's about seven to nine percent. So there's no real set return that people generally average out. It's more just depending on what you're invested in. The balance you have also takes into effect. Because if you look at, say, someone with a 50,000 balance, a 5% return on 50,000 is a much smaller return than, say, a 5% return on someone with a $500,000 balance. So your balance is also their contributions make a bit of a difference. I know you're probably not getting any at the moment, but that will change once you are able to go back to work and recover. And as your balance increases, smaller changes make a bigger difference for you. So yeah. Yeah. Yeah. Yeah. Yep. Yeah. I see. You're kinda wanting to compare to what the average, say, host plus funds may have been able to achieve. Yes. That's okay. Yep. Yep. Well, if I have a look at what they have disclosed for you Sorry. Won't be a second. I'll just yeah. Absolutely. Yeah. Absolutely. Absolutely. Definitely. So with this one here, now we're working on a three year rolling average. So to work on the same sort of thing, their high growth portfolio has not been around for that long, so they don't have a three year return. They've only got a one year return, which is 9.81 percent. The growth portfolio, which is a eighty twenty split, that's kind of where you're invested at at the moment. Their three year rolling average has averaged about 9.55%. Yeah. The three year rolling average for your current portfolio is showing 13.87 and 15.32 for the newer portfolio with the SMA product. Yeah. Yeah. Beautiful. So that's essentially the recommendations there. It's really important that I do make you aware of how this would work. So we're not in order to move into the SMA in the back end, we're not changing Hub 24 as such, but we are gonna change the menu to a more cheaper product for you. So on that fee comparison table in page number 22, on the administration fees, you'll actually see it's about a $180 cheaper. We keep Hub 24 exactly the same. You keep the same account number. Nothing changes there. It's just in the back end we change it to their cheaper product. This is a simple form design, and it actually is cheaper in administration fees, and we estimate about a $180 cheaper for the year for you, so it's actually gonna cost you less. Yeah. With the SMA product, because we are investing in more investment options, it is a little bit more expensive in the way of the investment fees. So it is an extra $177, but that's cheaper than the administration fees that we're saving. So you actually still save when you weigh up the both of those. Okay. Beautiful. And you'll see it's you're on yeah. Yeah. Basically, if I sort of wait at them all, because the ongoing service fee, that's for our services, for the advice, and us monitoring everything. That's about 1,924 for the year. And then you've all yeah. The investment fees if I look at the total cost, the administration fees, investment fees, and any other fees applicable at '27, it's about $3,004 for all of those. Okay? Yeah. Yeah. Yeah. Beautiful. We wanna make sure that, obviously, you're making enough for your super to cover those costs but that you're also making additional growth and income on top of that. Yeah. Absolutely. No. Yeah. Correct. Correct. It's gotta be value. Fees are never a bad thing if you understand what you're paying for and you're getting the value out of them. Absolutely. The other thing you'll see there in that fee comparison table is on the top line, you've got a 1,321 figure there, the difference. Now that's essentially the CDT. So for moving everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year. For us moving from the current portfolio into the SMA, we do estimate the tax consequences to be 1,321. Your super funds will do a tax return. They will pay the CGT consequences there. But, essentially, when you look at maneuvering it, saving in admin fees and the greater growth that it has been plus the value of having the SMA and having those investments continue to be altered and changed in a line with market conditions. That 1321 sort of pays for itself in the long run. Okay? Yep. Perfect. That's essentially that table. Looking at that there, do you have any questions around the recommendation, the fee table, or anything that I have just gone through for you? Yeah. Absolutely. Absolutely. Perfect. Now I have also included the effect planning side of things in here for you. So if you scroll down to page number 24, having a bit of a look now, we don't have a beneficiary nomination applied to your super. So when we spoke, we talked about how you wanted that to be nominated, and you want it to be made to your spouse. So I am recommending that we do update your beneficiary nomination to make sure it's applied and that we do make it a 100 to your spouse. I'm nominating it as a binding, non lapsing nomination. That means that you're binding the trustee to follow your directions. So if in the event you were to pass away, your super is paid directly out to your beneficiary. And nonlapsing means you only have to fill the form out once, and then you don't have to fill it out again. It doesn't have to be updated unless you wanna change that nomination. Okay? And we also did talk Yeah. Yeah. So we will fill the beneficiary out for you. Having a look now, your just having a look because your son's a minor at the moment, isn't he? Yeah. So the easiest way and the best way to nominate your beneficiary is a 100% to your spouse as what I've recommended here because she actually receives it a 100% tax free. If you nominate part of your beneficiary to your child and they are no longer a tax dependent, so generally over 18 or 21 depending on their circumstances, they actually pay 17% tax on the taxable component there. So it's much better to have it paid to your wife and then have her distribute some funds to him to help. Yeah. Because she gets no tax rate, so she gets a greater benefit out of it. Does that make sense? Yeah. Yeah. In saying all of that, we actually just don't wanna have to claim. Why don't we want you to get through your time and then enjoy your money? I'm all you're right. No. But we can we can help you out, and we can prefill the form for you if you like and send it out. So it's mostly prefilled, and then you decide to sign it, check the details, and have it witnessed. Yeah. It can be anyone. It just can't be the person you're nominating is event history. So if you got a neighbor or any adult over 18 years of age, they just need to witness you signing it, and they sign and date it at the same time. Yep. Absolutely. Yeah. Definitely. Now did you want me to prefill those details for you on the beneficiary nomination? Not an issue at all. Now I do have on that page 24 that I've got your wife's name. Can you just double check that has been spelled correctly, and I can update it if it's not? I'm so sorry. Page number 24, and you'll see under the heading nominee. Yes. There's a little table. You've got four, five columns there. Nominate the second last column, and it's got spouse with miss Shelly Da Silva. Oh, sorry. Is it 24 did I say 23? I'm so sorry. 24. Yep. It says Oh, maybe 25 on your document, and maybe made the first page number one. So the heading on this one is your beneficiary nomination. Yeah. That's okay. Can you just you've got it there. Beautiful. Have I spelled have we spelled her name correctly there? Is that how you spell Michelle's name? Yep. Okay. Not a problem. What's her joint last name under the Silva? Yep. Beautiful. And what's her date of sorry. Yep. Yep. And then t for tango, e, l l. E l. Yep. Perfect. I've got that then. Not a problem. We can proof for that for you. What's her date of birth? Yep. 9082. Fantastic. And and all at the same address as yourself, I can use the new address, which is absolutely fine there for you. And are you happy for it to be a 100% to have? Yep. Beautiful. And are you happy with the binding non lapsing so we don't have to keep filling this form out? Yep. Beautiful. No. That's okay. We can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then. Yep. Yep. Beautiful. Not a problem at all. We'll hold off until Monday and post it out then. Not a problem. It also comes from Australia Post, so the snail mail could take weeks. Beautiful. The last couple of pages here are that we're also recommending that you guys do talk about a will. Obviously, you are purchasing a new home. There's a lot of things that are occurring. So seeing a solicitor and having a will updated is really important for the two of you. We can always send an email with some referral information on the solicitor that local to the Gold Coast here. Or if you've got a local one that you're comfortable seeing, it is it's really important to have a will in place and also power of attorneys to make sure that in the event that something was to happen, that you've got that power of attorney so someone can make medical and or financial decisions on your behalf for you. Okay? Yeah. Excellent. There's that's basically all of the advice there. Now it's really important I make you aware that there's there's no upfront or implementations to this. Our advice is all part of you being an ongoing service client, and you pay the ongoing service fee, which is 1.65% per annum. We do get paid remuneration by the insurance company that you you hold insurances with the sender, so we do receive ongoing remuneration for them. However, the ongoing remuneration paid by the insurance company has no effect on on our recommendations. We provide advice in best interest. So all of our advice is about making sure that we're here to help you meet your goals and that the advice is provided under our best interest, Judy. Okay. Absolutely. Sure. Yep. Right. Yeah. Yeah. Absolutely. So the insurance premium at the moment is the 2,511. I'm just double checking because on that projection table has your insurance premium in it. Sorry. I just lost my page. So $2,135 is how much you paid for the this year's premium. Yep. Yep. Yep. Perfect. Yeah. I can let you know how long you've had that for. So that policy yeah. Oh, wow. It's a good thing that you let us know because, yeah, absolutely, you wouldn't not wanna be getting on that claim. So the certificate of currency here shows that the policy was applied for and put in force in February 2024. So you've had that for now two years. Yeah. Yeah. But now, look, if you are talking to anyone and they wanna look at personal insurances like life, TBD, income protection, because the insurance company is like a center that you've got your insurances through, we, as advisers, do get really good rates for things like that. So if there's anyone who wants to look at insurances, please feel free to give them my information. I'm happy to have a chat and talk to them about what they're after. We can provide advice on what they do. Only advice we provide is just a recommendation. At the end of the day, it's up to you guys whether you take those recommendations at all. And even if they just want, you know, some genuine information, we can always help with that as well. So yeah. Happy to chat to anyone that, you know, might be interested in that kind of advice. Yeah. Beautiful. All good. Well, as the inside the document there, when you've got some time later and you wanna have a bit of a read through it, I've got all the advantages, disadvantages, the risks involved, any alternatives that I've considered as well. We've also got an appendices attached there. So at the bottom of the email, you'll see those little attachments there. The append the appendices essentially runs you through any additional rec any additional areas that we research. So we did look at retaining your portfolio and just making a switch to say what was called our LA, the low alpha portfolio. The essentially, the the CGT consequences were cheaper by maneuvering into that portfolio, but it meant that we wouldn't be in the SMA, that you wouldn't get that underlying those underlining changes and things like that. So I've still recommended the estimate because that was more in line with your goals last time we spoke. So yeah. All good. I've also attached there the updated financial services guide, which has a lovely picture of me and all my information in it for you as well as all the other services you're entitled to. And I know you're also speaking with my colleague, Hayden, and our head of advisers helping you with the claims process there. So we'll make sure we keep in touch with you. Okay? Beautiful. Feel free to take a reach for the document. If there's any questions, Andrew, it doesn't matter what it is, you let me know. I'm more than happy to answer any questions you have in relation to it. And once you've gone through the advice document, if you're happy to take those recommendations, I'll just get you to sign and return that back for us. Okay? Oh, good. Beautiful. Thank you so much. Yeah. Well, hopefully, everything goes well with the move next week and rest up, and we hope for a very speedy recovery for you. My pleasure. Thank you for your time today. I'll talk to you soon. Thanks. See you later. 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Andrew. This is Dana from Ovu Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in just to go through your updated advice document. Is now still a good time there for you? Yep. Fantastic. I believe you're off work at the moment.\n\nIs how's everything been going for you? Oh, I'm so sorry. Oh, wow. Wow. How how long are they sort of saying for recovery at this point?\n\nYeah. Yeah. Wow. Yeah. No.\n\nCompletely understandable. I know when you spoke to my colleague, Maddie, and said they booked you in to have the advice updated, the advice I am providing today doesn't affect any income protection claims or anything on there. It's solely based around your super and the investments within for you. Okay? Yep.\n\nAll good. And before we jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Beautiful.\n\nAnd just for the security there with you as well, I'm sending the document out for you to have a look at, but I also just need to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Yes, please. Sorry.\n\nOkay. Are you I have another address. You are. Sorry. That's right.\n\nSo have you moved now? Oh, congratulations. Yeah. That's incredible. What's gonna be the yeah.\n\nWhat will be the address there, and I can update your file for you? Yep. Sorry. Beatie Road? Yep.\n\nK T I E. Beautiful. Thank you. And it's Coomera. Beautiful.\n\nWell, congratulations on that as much as you're off work at the moment, and you have a lot going on. It's exciting that you got a new place, and hopefully everything goes well with the moving. I know. I know. Do you have many other people helping you with the moving so it's not to strain yourself?\n\nYeah. Oh, that's good. No. No. At least you've got some time to sort of settle in, though, on the on the positive side.\n\nOh, perfect. Well, Andrew, I have to send through this document to you. Do you happen to have access to your emails at the moment just because sometimes it's easier to kinda review the document that I'm looking at? Sorry. You're right.\n\nNot an issue. Mhmm. That's the one. So you'll see that sorry, I do apologize, when you open the documents, there has been prepared for yourself as of the 03/03/2026, prepared by myself, Sandra Taylor. And on the bottom of the front page, you'll see my authorized representative number as a licensed financial adviser.\n\nIt is 1304394. Okay? Beautiful. As you ask for the scrolling through the document, I'll make this a little bit easier on you because you're welcome to go back and have a read of it before you take on any of the advice, but there are quite a lot of pages there, admittedly. I can see that there would be one change to your circumstances, which is your assets and liabilities now with the change of your property.\n\nHowever, I'll go back in the back end and update that for you. There it it happily doesn't affect the changes in in the advice that I'm providing today. Okay? All good. Now to make this a bit easier for you, if you can scroll, sorry, directly down to page number if we go into page number nineteen and twenty.\n\nYep. Yep. I'll yeah. Yeah. It it should be if you press on the sign button and continue right through, it should let you open that document you're looking at.\n\nYep. Yeah. It I promise it won't make you sign anything. It's just so you can scroll through that document that you're looking at there. Yep.\n\nNineteen and twenty. Can you see that there? Yep. Beautiful. So the heading on there or the big red heading will say investments.\n\nIs that the page that you're looking at, Andrew? Yep. Beautiful. Now when we did your annual review back around January, we sort of had that chat about some of the underperforming investments. We have obviously seen some changes in the market conditions, and we talked about how your performance was a bit lower than expected with Benelon having been underperforming there.\n\nThere. So as you and I discussed, we are getting rid of that completely. We don't wanna keep anything that's not performing well. But I've also gone back and restructured all the investments within your super for you. So we also talked about our newer product, is a separately managed account.\n\nDo you remember going through that with me? Yeah. Beautiful. So, essentially, I am making the recommendation with regard to your super there that we retain Hub 24 as a product. There's nothing wrong with the product.\n\nIt's still a great platform there, but we are gonna switch you out of the current investments and move you into the separately managed account there. One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming. But having that separately managed account means that at times of high volatility, which is what we're kinda seeing at the moment with what's happening globally there, it means that our investment committee in if we will have to work with the BlackRock investment committee. So BlackRock are one of Australia's largest investment firms, and we utilize their investment managers and their analysts to help us kind of make those decisions. So in sort of cooperation with BlackRock, our investment committee can be making changes to your super to the underlying investments to remove yeah, so with this here, you'll see we're essentially selling all of the battery lithium tech that then along the bank hybrids there will be gone.\n\nWe there is physical gold within the portfolio there. However, it just shows that we'll be getting rid of that investment. Essentially, what happens is we will have 24 in specie transfer. Any whole assets they can in that estimate, but this is just showing you that we essentially will be removing most of these investments here. Okay?\n\nOn the bottom of the next page there, so the top of the next page there, you'll see at the bottom of that table, you've got two options. It says catalyst and bloom, and you'll see that the green buys into those SMA products. So what's essentially gonna happen is we're gonna in CC transfer as many assets as we can into the SMA. What we can in CC transfer will be sold off, and we will buy into the two SMA products, so the catalyst and the bloom. We essentially buy into those at 3366%.\n\nSo it keeps you in that asset allocation that you need to have. So when we kind of look at things, you're in that high growth environment, which normally sees that 90% growth asset. And to make it easier, if you scroll down to the next page for me, you'll see the asset allocation of how that risk profile should out should be set out. So you'll see it's about 90% in growth investments, so things like Australian and international equities, and then the other sort of 10%, sorry, in defensive investments, so things like fixed interest, alternative defensive assets, and cash as well. With your current asset allocation, you're a little bit low on the mark there.\n\nSo your current asset allocation has you sitting at 81 percent growth investments and 19% defensive. It's not too far off. It's more of a growth portfolio than the high growth environment. So by moving into the SMA, you'll have your growth investments back up to eighty eight point eight seven percent and eleven point one three in defensive investments there. So what you'll essentially see is when you look at your super fund, you'll see your two different estimated products with the catalyst and the bloom there, and you'll see the amount of money you have invested between both of those.\n\nThe benefit to, yeah, the benefit to this product is that while you lose a bit of visibility there, as I kinda mentioned, by not having all the visibility of the underlying investments, it gives us greater control to make those changes for you to make sure things are always moving and that they're always changing in relation to market conditions. So you're investing correctly, and we can rebalance things as well to make it easier for you. A really good example is a couple of weeks back, we actually did meet with the investment committee there, and they did let us know they were rebalancing and making some changes to some of the underlying investments. So since we last sort of caught up, they've made some changes, which is fantastic. But it means that they automatically make those changes on your behalf so that, you know, when things need to change, you don't have to update the advice and go through this every time with you.\n\nWe can just complete that for you on your behalf to make it easier. Okay? That's no, that's correct. So this will this will be a lot easier for you. It doesn't take away the need for reviews in any way, shape, or form.\n\nSo it's really still important that we do review your super do make sure that the FMA continues to work for you. And when you find that you're no longer comfortable in that high growth environment, that you let me know, and we can reevaluate that for you as well. Okay? Yeah. Yeah.\n\nYep. Some of them have, some of them haven't. We did sort of see probably about about six to eight weeks ago, there was more of a heavier drop. Since then, we have seen a bit more of a recovery. So, realistically, when I've been sort of looking at everything, when that war was sort of new and everything was happening and Trump was getting really aggressive, we did find there were some very heavy drops in the market there.\n\nBut since renewed calls of the ceasefire and the talks and things like that have been back in play, we do find that investors are a little bit more confident in the market. And we have seen some recovery period out of it. It hasn't recovered right back to where it was, but it is moving towards that area. So it it hasn't actually been as bad as we thought it was gonna be. It is always an unknown.\n\nAnd one of the things we did talk to the black box economists about was, you know, what they sort of see. They don't know no one knows how long this is gonna go on for, but there are hopes that'll hopefully be over soon. As much as the war and the is the big thing that's sort of happening between The US and Iran, it's kind of the big focus at the moment. We also do have higher inflation within Australia as well. So that has been affecting the fixed interest in the bond markets a little bit.\n\nSo that's sort of we've kind of been seeing the dips on two fronts at the moment, but economists think we're gonna have high inflation for a bit longer. They reckon for the yes for the rest of the year, and it could get quite high. We're certainly hoping it doesn't. But, look, we have seen some recovery back. And the estimate is a really good place to be in this sort of climate because we do have the BlackRock investment committee working hard with our investment committee so we can sort of see what the economists and the analysts are saying about the future and try to realign investments to sort of suit the current climate.\n\nSo that really works in your favor. Does that make sense? Yeah. Beautiful. If anything does, then you're welcome to let me know.\n\nOkay? You're yeah. Beautiful. I love it. I love it.\n\nNow if you can scroll down to page number 22 for me, this is essentially the fee table. So it's really important to note that whenever we're making recommendations, we do look at the fees and the structure and how that's gonna affect you and your super funds. So you'll see here you've got your fee comparison table, and the first column is your current scenario, so your current super balance and the fees that you are currently paying and your insurance premiums current in the fund at the moment. And at the moment, as I mentioned before, you're in more of that growth environment there. So you've the average return that this portfolio currently has been is about 13.87.\n\nWithin the estimated product, it has actually seen a greater three year rolling average. If that was to be able to continue, on the next page, you can see where you could end up over the five to ten years. It gives you a bit of a projected outcome there. In saying that we are seeing a lot of volatility at the moment, so I don't think you you know, I know for a fact you're not gonna get 15% every year. But, essentially, if we can kind of and you get it close to or even it out over the longer term, you could see your balance increase significantly there.\n\nOkay. That's the current portfolio. The recommended, if you were able to get a 15.32% return every year for the next five to ten years, you could end up with 214 thousand or 300 and 18. Yeah. Yeah.\n\nIt all all depends upon what markets do. I always suggest we take projections out of as a grain of a cell. We're utilizing past data, and with current market conditions, anything could happen in the next month or so. I do like to have this as a grain of salt, but we do look at past data when we are looking at investments because investments that have seen greater past returns, we essentially it opens you up to the fact that you can receive greater potential returns because of it. So we do have to use past data.\n\nWe are looking for the best performing funds that we've seen over the past few years to be able to look at how we, you know, maneuver things in the future for you. Okay? Yeah. Yes. Yep.\n\nCorrect. That's correct. Yeah. So with the if you were to get that 15% every year over the next ten years, the recommended portfolio can be projected to get to 389,000. Yeah.\n\nOh, that's down. So this is essentially the idea of a projection table is to show you the difference. So we're not changing any insurances at the moment, but this is showing you because inside super you are paying for your insurances out of your super fund, it does have an ongoing impact. So you can see the first two columns of that table are your current product, your recommended, but then it also shows that if you didn't have any insurances inside super and you were able to get that 15% return, this is where you could end up over the next five to ten years. Yeah.\n\nIt's essentially just showing you the impact that insurances has on your super because you're going on claim. You're not sort of and you're off work at the moment. We're not making any changes. We're retaining all your insurances exactly the way they are, but we do have to kind of note and it's in there is a limited scope, so we're not making any changes to the product in any way, shape, or form. But we do know when we are changing the super, there is a long term impact of insurance premiums being paid out of super.\n\nSo this is to show you that impact on what it could look like. Okay? Yeah. But we'll keep reviewing yeah. Of course.\n\nSorry. Yeah. Yep. Yep. Yep.\n\nSo well yeah. No. That's a yeah. So what we're sort of looking at when we sort of talk about that is there's no real set set rate of return. What we're sort of looking at is what we're chasing with regard to your risk profile.\n\nSo because you're in a high growth portfolio, you've got that ninety ten split. You're taking a bit more risk in the market. You're wanting to get greater returns. The expected return you'd want out of this risk profile is about eight to 10%. So if you're able to obtain a 15% return every year, that's exceeding the annual expected return to your risk profile.\n\nAnd if you were in the growth environment, which is where you are at the moment, it's about seven to nine percent. So there's no real set return that people generally average out. It's more just depending on what you're invested in. The balance you have also takes into effect. Because if you look at, say, someone with a 50,000 balance, a 5% return on 50,000 is a much smaller return than, say, a 5% return on someone with a $500,000 balance.\n\nSo your balance is also their contributions make a bit of a difference. I know you're probably not getting any at the moment, but that will change once you are able to go back to work and recover. And as your balance increases, smaller changes make a bigger difference for you. So yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. I see.\n\nYou're kinda wanting to compare to what the average, say, host plus funds may have been able to achieve. Yes. That's okay. Yep. Yep.\n\nWell, if I have a look at what they have disclosed for you Sorry. Won't be a second. I'll just yeah. Absolutely. Yeah.\n\nAbsolutely. Absolutely. Definitely. So with this one here, now we're working on a three year rolling average. So to work on the same sort of thing, their high growth portfolio has not been around for that long, so they don't have a three year return.\n\nThey've only got a one year return, which is 9.81 percent. The growth portfolio, which is a eighty twenty split, that's kind of where you're invested at at the moment. Their three year rolling average has averaged about 9.55%. Yeah. The three year rolling average for your current portfolio is showing 13.87 and 15.32 for the newer portfolio with the SMA product.\n\nYeah. Yeah. Beautiful. So that's essentially the recommendations there. It's really important that I do make you aware of how this would work.\n\nSo we're not in order to move into the SMA in the back end, we're not changing Hub 24 as such, but we are gonna change the menu to a more cheaper product for you. So on that fee comparison table in page number 22, on the administration fees, you'll actually see it's about a $180 cheaper. We keep Hub 24 exactly the same. You keep the same account number. Nothing changes there.\n\nIt's just in the back end we change it to their cheaper product. This is a simple form design, and it actually is cheaper in administration fees, and we estimate about a $180 cheaper for the year for you, so it's actually gonna cost you less. Yeah. With the SMA product, because we are investing in more investment options, it is a little bit more expensive in the way of the investment fees. So it is an extra $177, but that's cheaper than the administration fees that we're saving.\n\nSo you actually still save when you weigh up the both of those. Okay. Beautiful. And you'll see it's you're on yeah. Yeah.\n\nBasically, if I sort of wait at them all, because the ongoing service fee, that's for our services, for the advice, and us monitoring everything. That's about 1,924 for the year. And then you've all yeah. The investment fees if I look at the total cost, the administration fees, investment fees, and any other fees applicable at '27, it's about $3,004 for all of those. Okay?\n\nYeah. Yeah. Yeah. Beautiful. We wanna make sure that, obviously, you're making enough for your super to cover those costs but that you're also making additional growth and income on top of that.\n\nYeah. Absolutely. No. Yeah. Correct.\n\nCorrect. It's gotta be value. Fees are never a bad thing if you understand what you're paying for and you're getting the value out of them. Absolutely. The other thing you'll see there in that fee comparison table is on the top line, you've got a 1,321 figure there, the difference.\n\nNow that's essentially the CDT. So for moving everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year. For us moving from the current portfolio into the SMA, we do estimate the tax consequences to be 1,321. Your super funds will do a tax return. They will pay the CGT consequences there.\n\nBut, essentially, when you look at maneuvering it, saving in admin fees and the greater growth that it has been plus the value of having the SMA and having those investments continue to be altered and changed in a line with market conditions. That 1321 sort of pays for itself in the long run. Okay? Yep. Perfect.\n\nThat's essentially that table. Looking at that there, do you have any questions around the recommendation, the fee table, or anything that I have just gone through for you? Yeah. Absolutely. Absolutely.\n\nPerfect. Now I have also included the effect planning side of things in here for you. So if you scroll down to page number 24, having a bit of a look now, we don't have a beneficiary nomination applied to your super. So when we spoke, we talked about how you wanted that to be nominated, and you want it to be made to your spouse. So I am recommending that we do update your beneficiary nomination to make sure it's applied and that we do make it a 100 to your spouse.\n\nI'm nominating it as a binding, non lapsing nomination. That means that you're binding the trustee to follow your directions. So if in the event you were to pass away, your super is paid directly out to your beneficiary. And nonlapsing means you only have to fill the form out once, and then you don't have to fill it out again. It doesn't have to be updated unless you wanna change that nomination.\n\nOkay? And we also did talk Yeah. Yeah. So we will fill the beneficiary out for you. Having a look now, your just having a look because your son's a minor at the moment, isn't he?\n\nYeah. So the easiest way and the best way to nominate your beneficiary is a 100% to your spouse as what I've recommended here because she actually receives it a 100% tax free. If you nominate part of your beneficiary to your child and they are no longer a tax dependent, so generally over 18 or 21 depending on their circumstances, they actually pay 17% tax on the taxable component there. So it's much better to have it paid to your wife and then have her distribute some funds to him to help. Yeah.\n\nBecause she gets no tax rate, so she gets a greater benefit out of it. Does that make sense? Yeah. Yeah. In saying all of that, we actually just don't wanna have to claim.\n\nWhy don't we want you to get through your time and then enjoy your money? I'm all you're right. No. But we can we can help you out, and we can prefill the form for you if you like and send it out. So it's mostly prefilled, and then you decide to sign it, check the details, and have it witnessed.\n\nYeah. It can be anyone. It just can't be the person you're nominating is event history. So if you got a neighbor or any adult over 18 years of age, they just need to witness you signing it, and they sign and date it at the same time. Yep.\n\nAbsolutely. Yeah. Definitely. Now did you want me to prefill those details for you on the beneficiary nomination? Not an issue at all.\n\nNow I do have on that page 24 that I've got your wife's name. Can you just double check that has been spelled correctly, and I can update it if it's not? I'm so sorry. Page number 24, and you'll see under the heading nominee. Yes.\n\nThere's a little table. You've got four, five columns there. Nominate the second last column, and it's got spouse with miss Shelly Da Silva. Oh, sorry. Is it 24 did I say 23?\n\nI'm so sorry. 24. Yep. It says Oh, maybe 25 on your document, and maybe made the first page number one. So the heading on this one is your beneficiary nomination.\n\nYeah. That's okay. Can you just you've got it there. Beautiful. Have I spelled have we spelled her name correctly there?\n\nIs that how you spell Michelle's name? Yep. Okay. Not a problem. What's her joint last name under the Silva?\n\nYep. Beautiful. And what's her date of sorry. Yep. Yep.\n\nAnd then t for tango, e, l l. E l. Yep. Perfect. I've got that then.\n\nNot a problem. We can proof for that for you. What's her date of birth? Yep. 9082.\n\nFantastic. And and all at the same address as yourself, I can use the new address, which is absolutely fine there for you. And are you happy for it to be a 100% to have? Yep. Beautiful.\n\nAnd are you happy with the binding non lapsing so we don't have to keep filling this form out? Yep. Beautiful. No. That's okay.\n\nWe can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then. Yep. Yep. Beautiful. Not a problem at all.\n\nWe'll hold off until Monday and post it out then. Not a problem. It also comes from Australia Post, so the snail mail could take weeks. Beautiful. The last couple of pages here are that we're also recommending that you guys do talk about a will.\n\nObviously, you are purchasing a new home. There's a lot of things that are occurring. So seeing a solicitor and having a will updated is really important for the two of you. We can always send an email with some referral information on the solicitor that local to the Gold Coast here. Or if you've got a local one that you're comfortable seeing, it is it's really important to have a will in place and also power of attorneys to make sure that in the event that something was to happen, that you've got that power of attorney so someone can make medical and or financial decisions on your behalf for you.\n\nOkay? Yeah. Excellent. There's that's basically all of the advice there. Now it's really important I make you aware that there's there's no upfront or implementations to this.\n\nOur advice is all part of you being an ongoing service client, and you pay the ongoing service fee, which is 1.65% per annum. We do get paid remuneration by the insurance company that you you hold insurances with the sender, so we do receive ongoing remuneration for them. However, the ongoing remuneration paid by the insurance company has no effect on on our recommendations. We provide advice in best interest. So all of our advice is about making sure that we're here to help you meet your goals and that the advice is provided under our best interest, Judy.\n\nOkay. Absolutely. Sure. Yep. Right.\n\nYeah. Yeah. Absolutely. So the insurance premium at the moment is the 2,511. I'm just double checking because on that projection table has your insurance premium in it.\n\nSorry. I just lost my page. So $2,135 is how much you paid for the this year's premium. Yep. Yep.\n\nYep. Perfect. Yeah. I can let you know how long you've had that for. So that policy yeah.\n\nOh, wow. It's a good thing that you let us know because, yeah, absolutely, you wouldn't not wanna be getting on that claim. So the certificate of currency here shows that the policy was applied for and put in force in February 2024. So you've had that for now two years. Yeah.\n\nYeah. But now, look, if you are talking to anyone and they wanna look at personal insurances like life, TBD, income protection, because the insurance company is like a center that you've got your insurances through, we, as advisers, do get really good rates for things like that. So if there's anyone who wants to look at insurances, please feel free to give them my information. I'm happy to have a chat and talk to them about what they're after. We can provide advice on what they do.\n\nOnly advice we provide is just a recommendation. At the end of the day, it's up to you guys whether you take those recommendations at all. And even if they just want, you know, some genuine information, we can always help with that as well. So yeah. Happy to chat to anyone that, you know, might be interested in that kind of advice.\n\nYeah. Beautiful. All good. Well, as the inside the document there, when you've got some time later and you wanna have a bit of a read through it, I've got all the advantages, disadvantages, the risks involved, any alternatives that I've considered as well. We've also got an appendices attached there.\n\nSo at the bottom of the email, you'll see those little attachments there. The append the appendices essentially runs you through any additional rec any additional areas that we research. So we did look at retaining your portfolio and just making a switch to say what was called our LA, the low alpha portfolio. The essentially, the the CGT consequences were cheaper by maneuvering into that portfolio, but it meant that we wouldn't be in the SMA, that you wouldn't get that underlying those underlining changes and things like that. So I've still recommended the estimate because that was more in line with your goals last time we spoke.\n\nSo yeah. All good. I've also attached there the updated financial services guide, which has a lovely picture of me and all my information in it for you as well as all the other services you're entitled to. And I know you're also speaking with my colleague, Hayden, and our head of advisers helping you with the claims process there. So we'll make sure we keep in touch with you.\n\nOkay? Beautiful. Feel free to take a reach for the document. If there's any questions, Andrew, it doesn't matter what it is, you let me know. I'm more than happy to answer any questions you have in relation to it.\n\nAnd once you've gone through the advice document, if you're happy to take those recommendations, I'll just get you to sign and return that back for us. Okay? Oh, good. Beautiful. Thank you so much.\n\nYeah. Well, hopefully, everything goes well with the move next week and rest up, and we hope for a very speedy recovery for you. My pleasure. Thank you for your time today. I'll talk to you soon.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Andrew.","start":4.56,"end":5.2,"sentiment":"neutral","sentiment_score":0.13130655512213707},{"text":"This is Dana from Ovu Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.19109223783016205},{"text":"How are you today?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.21466930955648422},{"text":"I'm very well.","start":9.599999,"end":10.48,"sentiment":"positive","sentiment_score":0.5397465626398722},{"text":"Thank you.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.616839587688446}],"sentiment":"neutral","sentiment_score":0.3012213316910407,"num_words":17,"start":4.56,"end":10.88},{"sentences":[{"text":"I had you booked in just to go through your updated advice document.","start":10.88,"end":13.679999,"sentiment":"neutral","sentiment_score":0.2794828988038577},{"text":"Is now still a good time there for you?","start":13.679999,"end":15.78,"sentiment":"neutral","sentiment_score":0.19047483636273277},{"text":"Yep.","start":17.235,"end":17.715,"sentiment":"neutral","sentiment_score":0.2193807065486908},{"text":"Fantastic.","start":17.715,"end":18.215,"sentiment":"positive","sentiment_score":0.4533793330192566},{"text":"I believe you're off work at the moment.","start":18.355,"end":20.355,"sentiment":"neutral","sentiment_score":-0.06606819992884994}],"sentiment":"neutral","sentiment_score":0.17161767662037164,"num_words":32,"start":10.88,"end":20.355},{"sentences":[{"text":"Is how's everything been going for you?","start":20.355,"end":22.375,"sentiment":"neutral","sentiment_score":0.016740459948778152},{"text":"Oh, I'm so sorry.","start":25.314999,"end":27.575,"sentiment":"neutral","sentiment_score":-0.1830148622393608},{"text":"Oh, wow.","start":30.130001,"end":31.19,"sentiment":"neutral","sentiment_score":-0.05171910487115383},{"text":"Wow.","start":31.650002,"end":32.15,"sentiment":"neutral","sentiment_score":-0.044969573616981506},{"text":"How how long are they sort of saying for recovery at this point?","start":32.37,"end":35.670002,"sentiment":"neutral","sentiment_score":-0.05434592727285165}],"sentiment":"neutral","sentiment_score":-0.05443633582305025,"num_words":27,"start":20.355,"end":35.670002},{"sentences":[{"text":"Yeah.","start":40.21,"end":40.71,"sentiment":"neutral","sentiment_score":-0.018454240635037426},{"text":"Yeah.","start":40.85,"end":41.17,"sentiment":"neutral","sentiment_score":-0.023612698540091515},{"text":"Wow.","start":41.17,"end":41.67,"sentiment":"neutral","sentiment_score":-0.03868399560451507},{"text":"Yeah.","start":45.925,"end":46.425,"sentiment":"neutral","sentiment_score":-0.05027703568339348},{"text":"No.","start":46.565,"end":46.885,"sentiment":"neutral","sentiment_score":-0.07941378653049469}],"sentiment":"neutral","sentiment_score":-0.04208835139870644,"num_words":5,"start":40.21,"end":46.885},{"sentences":[{"text":"Completely understandable.","start":46.885,"end":48.105,"sentiment":"neutral","sentiment_score":-0.059897152706980705},{"text":"I know when you spoke to my colleague, Maddie, and said they booked you in to have the advice updated, the advice I am providing today doesn't affect any income protection claims or anything on there.","start":48.725,"end":57.62,"sentiment":"neutral","sentiment_score":0.025446837147076923},{"text":"It's solely based around your super and the investments within for you.","start":57.62,"end":61.78,"sentiment":"neutral","sentiment_score":0.05469499186923107},{"text":"Okay?","start":61.78,"end":62.28,"sentiment":"neutral","sentiment_score":0.03215362876653671},{"text":"Yep.","start":63.14,"end":63.64,"sentiment":"neutral","sentiment_score":0.08416833728551865}],"sentiment":"neutral","sentiment_score":0.03017218654545454,"num_words":52,"start":46.885,"end":63.64},{"sentences":[{"text":"All good.","start":63.78,"end":64.34,"sentiment":"neutral","sentiment_score":0.19225631654262543},{"text":"And before we jump into the call, I do have to let you know moving forward that we do record our calls for quality and training purposes.","start":64.34,"end":69.619995,"sentiment":"neutral","sentiment_score":0.0491831225377542},{"text":"Are you happy for me to proceed with that?","start":69.619995,"end":71.655,"sentiment":"neutral","sentiment_score":0.13337190532022053},{"text":"Yep.","start":72.91499,"end":73.235,"sentiment":"neutral","sentiment_score":0.15270647406578064},{"text":"Beautiful.","start":73.235,"end":73.634995,"sentiment":"neutral","sentiment_score":0.3073638379573822}],"sentiment":"neutral","sentiment_score":0.08432186003774404,"num_words":40,"start":63.78,"end":73.634995},{"sentences":[{"text":"And just for the security there with you as well, I'm sending the document out for you to have a look at, but I also just need to confirm your full name, your date of birth, and address I should have on file.","start":73.634995,"end":82.055,"sentiment":"neutral","sentiment_score":0.11840312217557153},{"text":"Yep.","start":85.89,"end":86.39,"sentiment":"neutral","sentiment_score":0.0093772504478693},{"text":"Yep.","start":89.729996,"end":89.89,"sentiment":"neutral","sentiment_score":0.008661779575049877},{"text":"Yes, please.","start":89.89,"end":90.60999,"sentiment":"neutral","sentiment_score":0.009209583979099989},{"text":"Sorry.","start":90.60999,"end":91.10999,"sentiment":"neutral","sentiment_score":-0.04982160031795502}],"sentiment":"neutral","sentiment_score":0.10579105940026541,"num_words":48,"start":73.634995,"end":91.10999},{"sentences":[{"text":"Okay.","start":97.985,"end":98.485,"sentiment":"neutral","sentiment_score":-0.0062953997403383255},{"text":"Are you I have another address.","start":98.625,"end":101.205,"sentiment":"neutral","sentiment_score":-0.037640077993273735},{"text":"You are.","start":101.58501,"end":101.90501,"sentiment":"neutral","sentiment_score":-0.04231975041329861},{"text":"Sorry.","start":101.90501,"end":102.40501,"sentiment":"neutral","sentiment_score":-0.03182373195886612},{"text":"That's right.","start":107.200005,"end":107.840004,"sentiment":"neutral","sentiment_score":0.07773737236857414}],"sentiment":"neutral","sentiment_score":-0.01609369631235798,"num_words":12,"start":97.985,"end":107.840004},{"sentences":[{"text":"So have you moved now?","start":107.840004,"end":109.3,"sentiment":"neutral","sentiment_score":0.04858564175665379},{"text":"Oh, congratulations.","start":113.76,"end":114.58,"sentiment":"positive","sentiment_score":0.43938854336738586},{"text":"Yeah.","start":115.28,"end":115.78,"sentiment":"neutral","sentiment_score":0.25797367095947266},{"text":"That's incredible.","start":125.775,"end":126.595,"sentiment":"positive","sentiment_score":0.666631430387497},{"text":"What's gonna be the yeah.","start":126.815,"end":128.675,"sentiment":"neutral","sentiment_score":0.05395049266517162}],"sentiment":"neutral","sentiment_score":0.1988462860385577,"num_words":15,"start":107.840004,"end":128.675},{"sentences":[{"text":"What will be the address there, and I can update your file for you?","start":128.735,"end":131.79,"sentiment":"neutral","sentiment_score":0.03232356360448258},{"text":"Yep.","start":134.59,"end":135.09,"sentiment":"neutral","sentiment_score":0.006054876372218132},{"text":"Sorry.","start":138.90999,"end":139.23,"sentiment":"neutral","sentiment_score":0.004465550184249878},{"text":"Beatie Road?","start":139.23,"end":140.20999,"sentiment":"neutral","sentiment_score":0.004174538655206561},{"text":"Yep.","start":141.46999,"end":141.96999,"sentiment":"neutral","sentiment_score":0.008042818866670132}],"sentiment":"neutral","sentiment_score":0.025233800694542497,"num_words":19,"start":128.735,"end":141.96999},{"sentences":[{"text":"K T I E.","start":144.28499,"end":145.08499,"sentiment":"neutral","sentiment_score":0.010623847600072622},{"text":"Beautiful.","start":145.08499,"end":145.48499,"sentiment":"positive","sentiment_score":0.3482713997364044},{"text":"Thank you.","start":145.48499,"end":145.805,"sentiment":"positive","sentiment_score":0.4492275267839432},{"text":"And it's Coomera.","start":145.805,"end":146.70499,"sentiment":"neutral","sentiment_score":0.26700150966644287},{"text":"Beautiful.","start":146.765,"end":147.265,"sentiment":"positive","sentiment_score":0.4767047166824341}],"sentiment":"neutral","sentiment_score":0.2333573717623949,"num_words":11,"start":144.28499,"end":147.265},{"sentences":[{"text":"Well, congratulations on that as much as you're off work at the moment, and you have a lot going on.","start":147.325,"end":152.545,"sentiment":"neutral","sentiment_score":0.1628148490563035},{"text":"It's exciting that you got a new place, and hopefully everything goes well with the moving.","start":152.765,"end":156.86499,"sentiment":"positive","sentiment_score":0.4834905806928873},{"text":"I know.","start":159.76,"end":160.48,"sentiment":"neutral","sentiment_score":-0.06542826071381569},{"text":"I know.","start":160.48,"end":160.95999,"sentiment":"neutral","sentiment_score":-0.043474454432725906},{"text":"Do you have many other people helping you with the moving so it's not to strain yourself?","start":160.95999,"end":165.3,"sentiment":"neutral","sentiment_score":-0.03173131331363145}],"sentiment":"neutral","sentiment_score":0.17955979851907805,"num_words":57,"start":147.325,"end":165.3},{"sentences":[{"text":"Yeah.","start":166.16,"end":166.66,"sentiment":"neutral","sentiment_score":0.003338821232318878},{"text":"Oh, that's good.","start":167.28,"end":168.66,"sentiment":"neutral","sentiment_score":-0.10749561960498492},{"text":"No.","start":170.01501,"end":170.49501,"sentiment":"neutral","sentiment_score":-0.0955732688307762},{"text":"No.","start":170.49501,"end":170.895,"sentiment":"neutral","sentiment_score":-0.10212401300668716},{"text":"At least you've got some time to sort of settle in, though, on the on the positive side.","start":170.895,"end":175.395,"sentiment":"neutral","sentiment_score":-0.04081608530961805}],"sentiment":"neutral","sentiment_score":-0.052147285624717675,"num_words":24,"start":166.16,"end":175.395},{"sentences":[{"text":"Oh, perfect.","start":177.535,"end":178.255,"sentiment":"neutral","sentiment_score":0.17365962266921997},{"text":"Well, Andrew, I have to send through this document to you.","start":178.255,"end":180.815,"sentiment":"neutral","sentiment_score":0.026656121015548706},{"text":"Do you happen to have access to your emails at the moment just because sometimes it's easier to kinda review the document that I'm looking at?","start":180.815,"end":187.04001,"sentiment":"neutral","sentiment_score":0.012910748760287579},{"text":"Sorry.","start":187.04001,"end":187.54001,"sentiment":"neutral","sentiment_score":-0.015782594680786133},{"text":"You're right.","start":190.08,"end":190.64,"sentiment":"neutral","sentiment_score":0.02722297143191099}],"sentiment":"neutral","sentiment_score":0.024163795058571157,"num_words":42,"start":177.535,"end":190.64},{"sentences":[{"text":"Not an issue.","start":190.64,"end":191.46,"sentiment":"neutral","sentiment_score":0.030854384725292523},{"text":"Mhmm.","start":195.92,"end":196.42,"sentiment":"neutral","sentiment_score":0.011861979030072687},{"text":"That's the one.","start":196.96,"end":197.94,"sentiment":"neutral","sentiment_score":0.009774560108780861},{"text":"So you'll see that sorry, I do apologize, when you open the documents, there has been prepared for yourself as of the 03/03/2026, prepared by myself, Sandra Taylor.","start":198.40001,"end":209.09499,"sentiment":"neutral","sentiment_score":0.004670101051617946},{"text":"And on the bottom of the front page, you'll see my authorized representative number as a licensed financial adviser.","start":209.09499,"end":214.295,"sentiment":"neutral","sentiment_score":0.04452163902552504}],"sentiment":"neutral","sentiment_score":0.02056338489745502,"num_words":54,"start":190.64,"end":214.295},{"sentences":[{"text":"It is 1304394.","start":214.295,"end":216.74,"sentiment":"neutral","sentiment_score":0.008599103117982546},{"text":"Okay?","start":216.96,"end":217.46,"sentiment":"neutral","sentiment_score":0.01786811649799347},{"text":"Beautiful.","start":218.4,"end":218.9,"sentiment":"positive","sentiment_score":0.6692178249359131},{"text":"As you ask for the scrolling through the document, I'll make this a little bit easier on you because you're welcome to go back and have a read of it before you take on any of the advice, but there are quite a lot of pages there, admittedly.","start":219.68,"end":228.66,"sentiment":"neutral","sentiment_score":0.177890844643116},{"text":"I can see that there would be one change to your circumstances, which is your assets and liabilities now with the change of your property.","start":229.535,"end":235.79501,"sentiment":"neutral","sentiment_score":-0.04003111854195595}],"sentiment":"neutral","sentiment_score":0.10578033115523748,"num_words":78,"start":214.295,"end":235.79501},{"sentences":[{"text":"However, I'll go back in the back end and update that for you.","start":236.015,"end":239.235,"sentiment":"neutral","sentiment_score":0.08324860036373138},{"text":"There it it happily doesn't affect the changes in in the advice that I'm providing today.","start":239.29501,"end":244.035,"sentiment":"positive","sentiment_score":0.342729308642447},{"text":"Okay?","start":244.095,"end":244.595,"sentiment":"neutral","sentiment_score":0.09726090729236604},{"text":"All good.","start":245.63,"end":246.37,"sentiment":"positive","sentiment_score":0.4992690831422806},{"text":"Now to make this a bit easier for you, if you can scroll, sorry, directly down to page number if we go into page number nineteen and twenty.","start":247.39,"end":255.97,"sentiment":"neutral","sentiment_score":0.1279932771410261}],"sentiment":"neutral","sentiment_score":0.18742519294222196,"num_words":60,"start":236.015,"end":255.97},{"sentences":[{"text":"Yep.","start":259.725,"end":260.045,"sentiment":"neutral","sentiment_score":0.04327928274869919},{"text":"Yep.","start":260.045,"end":260.525,"sentiment":"neutral","sentiment_score":0.047005485743284225},{"text":"I'll yeah.","start":260.525,"end":261.825,"sentiment":"neutral","sentiment_score":0.024915055371820927},{"text":"Yeah.","start":263.725,"end":264.225,"sentiment":"neutral","sentiment_score":0.04556259512901306},{"text":"It it should be if you press on the sign button and continue right through, it should let you open that document you're looking at.","start":264.365,"end":270.065,"sentiment":"neutral","sentiment_score":0.054067507460713385}],"sentiment":"neutral","sentiment_score":0.0512455053627491,"num_words":30,"start":259.725,"end":270.065},{"sentences":[{"text":"Yep.","start":271.0,"end":271.5,"sentiment":"neutral","sentiment_score":0.01447177305817604},{"text":"Yeah.","start":272.28,"end":272.78,"sentiment":"neutral","sentiment_score":0.05453585088253021},{"text":"It I promise it won't make you sign anything.","start":273.0,"end":275.24,"sentiment":"neutral","sentiment_score":0.029547394977675542},{"text":"It's just so you can scroll through that document that you're looking at there.","start":275.24,"end":279.02,"sentiment":"neutral","sentiment_score":0.046787703675883155},{"text":"Yep.","start":280.84,"end":281.34,"sentiment":"neutral","sentiment_score":0.01064126007258892}],"sentiment":"neutral","sentiment_score":0.03848474193364382,"num_words":26,"start":271.0,"end":281.34},{"sentences":[{"text":"Nineteen and twenty.","start":282.75998,"end":284.06,"sentiment":"neutral","sentiment_score":0.006757254091401895},{"text":"Can you see that there?","start":295.095,"end":296.395,"sentiment":"neutral","sentiment_score":0.007231251336634159},{"text":"Yep.","start":298.55,"end":298.94998,"sentiment":"neutral","sentiment_score":0.06452176719903946},{"text":"Beautiful.","start":298.94998,"end":299.44998,"sentiment":"neutral","sentiment_score":0.24164775013923645},{"text":"So the heading on there or the big red heading will say investments.","start":299.50998,"end":302.56998,"sentiment":"neutral","sentiment_score":0.032451742543624}],"sentiment":"neutral","sentiment_score":0.0341073995375115,"num_words":23,"start":282.75998,"end":302.56998},{"sentences":[{"text":"Is that the page that you're looking at, Andrew?","start":302.62997,"end":304.49,"sentiment":"neutral","sentiment_score":0.024409005521900125},{"text":"Yep.","start":306.31,"end":306.71,"sentiment":"neutral","sentiment_score":0.08005909621715546},{"text":"Beautiful.","start":306.71,"end":307.21,"sentiment":"neutral","sentiment_score":0.2682735025882721},{"text":"Now when we did your annual review back around January, we sort of had that chat about some of the underperforming investments.","start":307.66998,"end":313.845,"sentiment":"neutral","sentiment_score":-0.12033506956967441},{"text":"We have obviously seen some changes in the market conditions, and we talked about how your performance was a bit lower than expected with Benelon having been underperforming there.","start":313.845,"end":322.68,"sentiment":"neutral","sentiment_score":-0.2227146771961245}],"sentiment":"neutral","sentiment_score":-0.13771102452770836,"num_words":62,"start":302.62997,"end":322.68},{"sentences":[{"text":"There.","start":322.75998,"end":322.91998,"sentiment":"neutral","sentiment_score":-0.1383940577507019},{"text":"So as you and I discussed, we are getting rid of that completely.","start":322.91998,"end":326.03998,"sentiment":"neutral","sentiment_score":-0.22334844504411405},{"text":"We don't wanna keep anything that's not performing well.","start":326.03998,"end":328.53998,"sentiment":"negative","sentiment_score":-0.39835315611627364},{"text":"But I've also gone back and restructured all the investments within your super for you.","start":329.08,"end":333.63998,"sentiment":"neutral","sentiment_score":0.08623983760674794},{"text":"So we also talked about our newer product, is a separately managed account.","start":333.63998,"end":338.025,"sentiment":"neutral","sentiment_score":0.05280581173988489}],"sentiment":"neutral","sentiment_score":-0.0911182182676652,"num_words":51,"start":322.75998,"end":338.025},{"sentences":[{"text":"Do you remember going through that with me?","start":338.025,"end":340.365,"sentiment":"neutral","sentiment_score":0.01612777484115213},{"text":"Yeah.","start":342.425,"end":342.925,"sentiment":"neutral","sentiment_score":0.3248679041862488},{"text":"Beautiful.","start":343.065,"end":343.565,"sentiment":"positive","sentiment_score":0.6038395166397095},{"text":"So, essentially, I am making the recommendation with regard to your super there that we retain Hub 24 as a product.","start":343.705,"end":349.385,"sentiment":"neutral","sentiment_score":0.15212568853582656},{"text":"There's nothing wrong with the product.","start":349.385,"end":350.745,"sentiment":"neutral","sentiment_score":0.2658623879154523}],"sentiment":"neutral","sentiment_score":0.15804171368379044,"num_words":37,"start":338.025,"end":350.745},{"sentences":[{"text":"It's still a great platform there, but we are gonna switch you out of the current investments and move you into the separately managed account there.","start":350.745,"end":357.47,"sentiment":"neutral","sentiment_score":0.18766747486705965},{"text":"One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming.","start":357.77002,"end":361.79,"sentiment":"neutral","sentiment_score":0.06216989153702008},{"text":"But having that separately managed account means that at times of high volatility, which is what we're kinda seeing at the moment with what's happening globally there, it means that our investment committee in if we will have to work with the BlackRock investment committee.","start":362.17,"end":375.815,"sentiment":"neutral","sentiment_score":-0.007101665375133356},{"text":"So BlackRock are one of Australia's largest investment firms, and we utilize their investment managers and their analysts to help us kind of make those decisions.","start":375.815,"end":385.33,"sentiment":"neutral","sentiment_score":0.05095042259647296},{"text":"So in sort of cooperation with BlackRock, our investment committee can be making changes to your super to the underlying investments to remove yeah, so with this here, you'll see we're essentially selling all of the battery lithium tech that then along the bank hybrids there will be gone.","start":385.71,"end":418.72,"sentiment":"neutral","sentiment_score":-0.031057110232091983}],"sentiment":"neutral","sentiment_score":0.033599514727283154,"num_words":165,"start":350.745,"end":418.72},{"sentences":[{"text":"We there is physical gold within the portfolio there.","start":418.72,"end":421.76,"sentiment":"neutral","sentiment_score":-0.05015046853158209},{"text":"However, it just shows that we'll be getting rid of that investment.","start":421.76,"end":425.015,"sentiment":"neutral","sentiment_score":-0.14538051063815752},{"text":"Essentially, what happens is we will have 24 in specie transfer.","start":425.075,"end":429.49503,"sentiment":"neutral","sentiment_score":-0.021959090097384018},{"text":"Any whole assets they can in that estimate, but this is just showing you that we essentially will be removing most of these investments here.","start":429.71503,"end":437.415,"sentiment":"neutral","sentiment_score":-0.05509133122861385},{"text":"Okay?","start":437.475,"end":437.975,"sentiment":"neutral","sentiment_score":0.007394181564450264}],"sentiment":"neutral","sentiment_score":-0.06564412818386636,"num_words":58,"start":418.72,"end":437.975},{"sentences":[{"text":"On the bottom of the next page there, so the top of the next page there, you'll see at the bottom of that table, you've got two options.","start":439.44,"end":445.44,"sentiment":"neutral","sentiment_score":0.03864254656114748},{"text":"It says catalyst and bloom, and you'll see that the green buys into those SMA products.","start":445.44,"end":450.58,"sentiment":"neutral","sentiment_score":0.0825431493576616},{"text":"So what's essentially gonna happen is we're gonna in CC transfer as many assets as we can into the SMA.","start":452.25497,"end":457.79498,"sentiment":"neutral","sentiment_score":0.1186870438978076},{"text":"What we can in CC transfer will be sold off, and we will buy into the two SMA products, so the catalyst and the bloom.","start":458.09497,"end":464.91498,"sentiment":"neutral","sentiment_score":0.18945866495370864},{"text":"We essentially buy into those at 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sorry, in defensive investments, so things like fixed interest, alternative defensive assets, and cash as well.","start":488.915,"end":503.26,"sentiment":"neutral","sentiment_score":0.10331208726916558},{"text":"With your current asset allocation, you're a little bit low on the mark there.","start":503.88,"end":507.16,"sentiment":"neutral","sentiment_score":0.009109416045248508}],"sentiment":"neutral","sentiment_score":0.16485767396387913,"num_words":118,"start":468.87,"end":507.16},{"sentences":[{"text":"So your current asset allocation has you sitting at 81 percent growth investments and 19% defensive.","start":507.16,"end":512.675,"sentiment":"neutral","sentiment_score":0.16084068873897195},{"text":"It's not too far off.","start":512.975,"end":514.255,"sentiment":"neutral","sentiment_score":0.04237782061100006},{"text":"It's more of a growth portfolio than the high growth 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means that they automatically make those changes on your behalf so that, you know, when things need to change, you don't have to update the advice and go through this every time with you.","start":577.395,"end":586.18,"sentiment":"positive","sentiment_score":0.4438505743940671}],"sentiment":"positive","sentiment_score":0.4438804118576164,"num_words":167,"start":540.735,"end":586.18},{"sentences":[{"text":"We can just complete that for you on your behalf to make it easier.","start":586.18,"end":589.4,"sentiment":"positive","sentiment_score":0.4989614316395351},{"text":"Okay?","start":589.62,"end":590.12,"sentiment":"neutral","sentiment_score":0.09178342670202257},{"text":"That's no, that's correct.","start":593.46,"end":595.23505,"sentiment":"neutral","sentiment_score":0.09849412180483341},{"text":"So this will this will be a lot easier for you.","start":595.23505,"end":597.655,"sentiment":"positive","sentiment_score":0.49191443757577374},{"text":"It doesn't take away the need for 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well.","start":606.93,"end":614.39,"sentiment":"neutral","sentiment_score":-0.048667706815259795},{"text":"Okay?","start":614.45,"end":614.95,"sentiment":"neutral","sentiment_score":0.0029046451672911644},{"text":"Yeah.","start":615.65,"end":616.15,"sentiment":"neutral","sentiment_score":0.005497029051184654},{"text":"Yeah.","start":618.37,"end":618.87,"sentiment":"neutral","sentiment_score":-0.000902850180864334}],"sentiment":"neutral","sentiment_score":0.05013404479074591,"num_words":53,"start":601.075,"end":618.87},{"sentences":[{"text":"Yep.","start":628.67505,"end":629.17505,"sentiment":"neutral","sentiment_score":-0.03045777603983879},{"text":"Some of them have, some of them haven't.","start":629.875,"end":631.655,"sentiment":"neutral","sentiment_score":-0.10728554707020521},{"text":"We did sort of see probably about about six to eight weeks ago, there was more of a heavier drop.","start":632.03503,"end":636.73004,"sentiment":"neutral","sentiment_score":-0.12015971038490533},{"text":"Since then, we have seen a bit more of a recovery.","start":636.95,"end":639.29004,"sentiment":"neutral","sentiment_score":-0.0917073322290724},{"text":"So, realistically, when I've been sort of looking at everything, when that war was sort of new and everything was happening and Trump was getting really aggressive, we did find there were some very heavy drops in the market there.","start":639.43,"end":650.375,"sentiment":"neutral","sentiment_score":-0.05130539303645491}],"sentiment":"neutral","sentiment_score":-0.07941165920346975,"num_words":80,"start":628.67505,"end":650.375},{"sentences":[{"text":"But since renewed calls of the ceasefire and the talks and things like that have been back in play, we do find that investors are a little bit more confident in the market.","start":650.375,"end":659.65497,"sentiment":"neutral","sentiment_score":0.29084701565178955},{"text":"And we have seen some recovery period out of it.","start":659.65497,"end":662.28,"sentiment":"neutral","sentiment_score":0.22317095791222527},{"text":"It hasn't recovered right back to where it was, but it is moving towards that area.","start":662.36005,"end":667.02,"sentiment":"neutral","sentiment_score":-0.050563509576022625},{"text":"So it it hasn't actually been as bad as we thought it was gonna be.","start":667.96,"end":671.66003,"sentiment":"neutral","sentiment_score":-0.04008355836073558},{"text":"It is always an unknown.","start":672.04004,"end":673.88,"sentiment":"neutral","sentiment_score":-0.19158312380313874}],"sentiment":"neutral","sentiment_score":0.1197655183289648,"num_words":79,"start":650.375,"end":673.88},{"sentences":[{"text":"And one of the things we did talk to the black box economists about was, you know, what they sort of see.","start":673.88,"end":680.19495,"sentiment":"neutral","sentiment_score":-0.06768019556660544},{"text":"They don't know no one knows how long this is gonna go on for, but there are hopes that'll hopefully be over soon.","start":680.33496,"end":686.435,"sentiment":"neutral","sentiment_score":-0.09022766501521287},{"text":"As much as the war and the is the big thing that's sort of happening between The US and Iran, it's kind of the big focus at the moment.","start":687.69495,"end":694.02997,"sentiment":"neutral","sentiment_score":-0.07006468855101487},{"text":"We also do have higher inflation within Australia as well.","start":694.02997,"end":697.95,"sentiment":"neutral","sentiment_score":-0.11852987334132195},{"text":"So that has been affecting the fixed interest in the bond markets a little bit.","start":697.95,"end":701.89,"sentiment":"neutral","sentiment_score":-0.1715002586444219}],"sentiment":"neutral","sentiment_score":-0.0944836280694363,"num_words":99,"start":673.88,"end":701.89},{"sentences":[{"text":"So that's sort of we've kind of been seeing the dips on two fronts at the moment, but economists think we're gonna have high inflation for a bit longer.","start":702.875,"end":711.035,"sentiment":"neutral","sentiment_score":-0.09653350691600092},{"text":"They reckon for the yes for the rest of the year, and it could get quite high.","start":711.035,"end":714.815,"sentiment":"neutral","sentiment_score":-0.07594097690547214},{"text":"We're certainly hoping it doesn't.","start":715.115,"end":716.89496,"sentiment":"neutral","sentiment_score":-0.08292170688509941},{"text":"But, look, we have seen some recovery back.","start":718.13,"end":720.45,"sentiment":"neutral","sentiment_score":0.0950372451916337},{"text":"And the estimate is a really good place to be in this sort of climate because we do have the BlackRock investment committee working hard with our investment committee so we can sort of see what the economists and the analysts are saying about the future and try to realign investments to sort of suit the current climate.","start":720.45,"end":736.605,"sentiment":"neutral","sentiment_score":0.27263654717083635}],"sentiment":"neutral","sentiment_score":0.10314650303469254,"num_words":117,"start":702.875,"end":736.605},{"sentences":[{"text":"So that really works in your favor.","start":736.665,"end":738.505,"sentiment":"positive","sentiment_score":0.3855180825505938},{"text":"Does that make sense?","start":738.505,"end":739.645,"sentiment":"neutral","sentiment_score":0.10170784406363964},{"text":"Yeah.","start":741.465,"end":741.945,"sentiment":"neutral","sentiment_score":0.22332780063152313},{"text":"Beautiful.","start":741.945,"end":742.445,"sentiment":"positive","sentiment_score":0.4462231993675232},{"text":"If anything does, then you're welcome to let me know.","start":742.745,"end":745.225,"sentiment":"neutral","sentiment_score":0.23045120686292647}],"sentiment":"neutral","sentiment_score":0.2643270009885664,"num_words":23,"start":736.665,"end":745.225},{"sentences":[{"text":"Okay?","start":745.225,"end":745.725,"sentiment":"neutral","sentiment_score":0.1115906834602356},{"text":"You're yeah.","start":749.02,"end":750.56,"sentiment":"neutral","sentiment_score":-0.10750193521380424},{"text":"Beautiful.","start":751.9,"end":752.4,"sentiment":"positive","sentiment_score":0.43386638164520264},{"text":"I love it.","start":752.7,"end":753.60004,"sentiment":"positive","sentiment_score":0.668563187122345},{"text":"I love it.","start":755.18,"end":756.16003,"sentiment":"positive","sentiment_score":0.661374032497406}],"sentiment":"positive","sentiment_score":0.43202648535370825,"num_words":10,"start":745.225,"end":756.16003},{"sentences":[{"text":"Now if you can scroll down to page number 22 for me, this is essentially the fee table.","start":756.38,"end":761.10504,"sentiment":"neutral","sentiment_score":0.05742931986848513},{"text":"So it's really important to note that whenever we're making recommendations, we do look at the fees and the structure and how that's gonna affect you and your super funds.","start":761.10504,"end":769.025,"sentiment":"neutral","sentiment_score":0.021403338635961215},{"text":"So you'll see here you've got your fee comparison table, and the first column is your current scenario, so your current super balance and the fees that you are currently paying and your insurance premiums current in the fund at the moment.","start":769.025,"end":780.26996,"sentiment":"neutral","sentiment_score":0.08986625022121839},{"text":"And at the moment, as I mentioned before, you're in more of that growth environment there.","start":780.64996,"end":784.41,"sentiment":"neutral","sentiment_score":0.03745791711844504},{"text":"So you've the average return that this portfolio currently has been is about 13.87.","start":784.41,"end":790.675,"sentiment":"positive","sentiment_score":0.3678913361259869}],"sentiment":"neutral","sentiment_score":0.09333346504718065,"num_words":120,"start":756.38,"end":790.675},{"sentences":[{"text":"Within the estimated product, it has actually seen a greater three year rolling average.","start":790.815,"end":795.315,"sentiment":"positive","sentiment_score":0.4678395709821156},{"text":"If that was to be able to continue, on the next page, you can see where you could end up over the five to ten years.","start":795.695,"end":802.53,"sentiment":"positive","sentiment_score":0.4163180578213472},{"text":"It gives you a bit of a projected outcome there.","start":802.53,"end":804.79,"sentiment":"positive","sentiment_score":0.4285634458065033},{"text":"In saying that we are seeing a lot of volatility at the moment, so I don't think you you know, I know for a fact you're not gonna get 15% every year.","start":804.93,"end":812.71,"sentiment":"neutral","sentiment_score":-0.1751017919741571},{"text":"But, essentially, if we can kind of and you get it close to or even it out over the longer term, you could see your balance increase significantly there.","start":813.01,"end":820.65497,"sentiment":"neutral","sentiment_score":0.0173520273689566}],"sentiment":"neutral","sentiment_score":0.1491856703215891,"num_words":111,"start":790.815,"end":820.65497},{"sentences":[{"text":"Okay.","start":820.65497,"end":821.15497,"sentiment":"neutral","sentiment_score":0.07828423380851746},{"text":"That's the current portfolio.","start":829.87,"end":831.25,"sentiment":"neutral","sentiment_score":0.12375732325017452},{"text":"The recommended, if you were able to get a 15.32% return every year for the next five to ten years, you could end up with 214 thousand or 300 and 18.","start":831.39,"end":842.37,"sentiment":"neutral","sentiment_score":0.1998229394516637},{"text":"Yeah.","start":842.735,"end":843.235,"sentiment":"neutral","sentiment_score":0.051576025784015656},{"text":"Yeah.","start":844.89496,"end":845.21497,"sentiment":"neutral","sentiment_score":0.04407956451177597}],"sentiment":"neutral","sentiment_score":0.18061790105543638,"num_words":38,"start":820.65497,"end":845.21497},{"sentences":[{"text":"It all all depends upon what markets do.","start":845.21497,"end":847.695,"sentiment":"neutral","sentiment_score":0.030367808882147074},{"text":"I always suggest we take projections out of as a grain of a cell.","start":847.695,"end":851.935,"sentiment":"neutral","sentiment_score":0.049326888152531216},{"text":"We're utilizing past data, and with current market conditions, anything could happen in the next month or so.","start":851.935,"end":859.01,"sentiment":"neutral","sentiment_score":-0.025415089084870286},{"text":"I do like to have this as a grain of salt, but we do look at past data when we are looking at investments because investments that have seen greater past returns, we essentially it opens you up to the fact that you can receive greater potential returns because of it.","start":860.51,"end":874.105,"sentiment":"neutral","sentiment_score":0.2633325765822448},{"text":"So we do have to use past data.","start":874.105,"end":876.105,"sentiment":"neutral","sentiment_score":0.059080752078443766}],"sentiment":"neutral","sentiment_score":0.14523893660592913,"num_words":99,"start":845.21497,"end":876.105},{"sentences":[{"text":"We are looking for the best performing funds that we've seen over the past few years to be able to look at how we, you know, maneuver things in the future for you.","start":876.105,"end":884.02997,"sentiment":"positive","sentiment_score":0.3375381558681979},{"text":"Okay?","start":884.25,"end":884.75,"sentiment":"neutral","sentiment_score":0.09597930312156676},{"text":"Yeah.","start":891.93,"end":892.43,"sentiment":"neutral","sentiment_score":0.07230150699615479},{"text":"Yes.","start":900.905,"end":901.305,"sentiment":"neutral","sentiment_score":0.1473793983459473},{"text":"Yep.","start":901.305,"end":901.785,"sentiment":"neutral","sentiment_score":0.14556679129600525}],"sentiment":"neutral","sentiment_score":0.31351313901108663,"num_words":37,"start":876.105,"end":901.785},{"sentences":[{"text":"Correct.","start":901.785,"end":902.285,"sentiment":"neutral","sentiment_score":0.14204055070877075},{"text":"That's correct.","start":907.8,"end":908.7,"sentiment":"neutral","sentiment_score":0.12841377779841423},{"text":"Yeah.","start":908.76,"end":909.16003,"sentiment":"neutral","sentiment_score":0.17589497566223145},{"text":"So with the if you were to get that 15% every year over the next ten years, the recommended portfolio can be projected to get to 389,000.","start":909.16003,"end":918.22003,"sentiment":"neutral","sentiment_score":0.3017505296954402},{"text":"Yeah.","start":920.145,"end":920.645,"sentiment":"neutral","sentiment_score":-0.0024502482265233994}],"sentiment":"neutral","sentiment_score":0.27248678548494354,"num_words":32,"start":901.785,"end":920.645},{"sentences":[{"text":"Oh, that's down.","start":928.625,"end":929.98505,"sentiment":"neutral","sentiment_score":-0.12445460259914398},{"text":"So this is essentially the idea of a projection table is to show you the difference.","start":929.98505,"end":934.33,"sentiment":"neutral","sentiment_score":0.04496692190878093},{"text":"So we're not changing any insurances at the moment, but this is showing you because inside super you are paying for your insurances out of your super fund, it does have an ongoing impact.","start":934.33,"end":944.295,"sentiment":"neutral","sentiment_score":-0.05999990054132307},{"text":"So you can see the first two columns of that table are your current product, your recommended, but then it also shows that if you didn't have any insurances inside super and you were able to get that 15% return, this is where you could end up over the next five to ten years.","start":944.535,"end":959.995,"sentiment":"neutral","sentiment_score":0.22240642720350512},{"text":"Yeah.","start":961.43005,"end":961.83,"sentiment":"neutral","sentiment_score":0.07243752479553223}],"sentiment":"neutral","sentiment_score":0.0961897677603971,"num_words":108,"start":928.625,"end":961.83},{"sentences":[{"text":"It's essentially just showing you the impact that insurances has on your super because you're going on claim.","start":961.83,"end":968.23004,"sentiment":"neutral","sentiment_score":0.006006614408559269},{"text":"You're not sort of and you're off work at the moment.","start":968.23004,"end":970.55005,"sentiment":"neutral","sentiment_score":-0.18658131225542587},{"text":"We're not making any changes.","start":970.55005,"end":971.67004,"sentiment":"neutral","sentiment_score":-0.20838278532028198},{"text":"We're retaining all your insurances exactly the way they are, but we do have to kind of note and it's in there is a limited scope, so we're not making any changes to the product in any way, shape, or form.","start":971.67004,"end":981.95496,"sentiment":"neutral","sentiment_score":-0.14174903892889257},{"text":"But we do know when we are changing the super, there is a long term impact of insurance premiums being paid out of super.","start":981.95496,"end":988.52,"sentiment":"neutral","sentiment_score":-0.2575406174485882}],"sentiment":"neutral","sentiment_score":-0.15130176481724988,"num_words":99,"start":961.83,"end":988.52},{"sentences":[{"text":"So this is to show you that impact on what it could look like.","start":988.52,"end":991.66003,"sentiment":"neutral","sentiment_score":0.2702905365398952},{"text":"Okay?","start":991.72003,"end":992.22003,"sentiment":"neutral","sentiment_score":0.12066472321748734},{"text":"Yeah.","start":993.08,"end":993.58,"sentiment":"neutral","sentiment_score":0.08196493983268738},{"text":"But we'll keep reviewing yeah.","start":994.04004,"end":995.72003,"sentiment":"neutral","sentiment_score":0.02491791620850563},{"text":"Of course.","start":995.72003,"end":996.12,"sentiment":"neutral","sentiment_score":0.02498152107000351}],"sentiment":"neutral","sentiment_score":0.18092390425179317,"num_words":23,"start":988.52,"end":996.12},{"sentences":[{"text":"Sorry.","start":996.12,"end":996.62,"sentiment":"neutral","sentiment_score":-0.02294555865228176},{"text":"Yeah.","start":998.68,"end":999.18,"sentiment":"neutral","sentiment_score":-0.012077937833964825},{"text":"Yep.","start":1010.40497,"end":1010.90497,"sentiment":"neutral","sentiment_score":0.02729737013578415},{"text":"Yep.","start":1012.18,"end":1012.33997,"sentiment":"neutral","sentiment_score":-0.0010283365845680237},{"text":"Yep.","start":1012.33997,"end":1012.83997,"sentiment":"neutral","sentiment_score":-0.0020288689993321896}],"sentiment":"neutral","sentiment_score":-0.00215666638687253,"num_words":5,"start":996.12,"end":1012.83997},{"sentences":[{"text":"So well yeah.","start":1014.82,"end":1016.92,"sentiment":"neutral","sentiment_score":-0.05076997106273969},{"text":"No.","start":1018.98,"end":1019.14,"sentiment":"neutral","sentiment_score":-0.10579383373260498},{"text":"That's a yeah.","start":1019.14,"end":1020.89996,"sentiment":"neutral","sentiment_score":-0.08929666876792908},{"text":"So what we're sort of looking at when we sort of talk about that is there's no real set set rate of return.","start":1020.89996,"end":1028.205,"sentiment":"neutral","sentiment_score":-0.07520996908778729},{"text":"What we're sort of looking at is what we're chasing with regard to your risk profile.","start":1028.205,"end":1032.705,"sentiment":"neutral","sentiment_score":-0.05284559563733637}],"sentiment":"neutral","sentiment_score":-0.06742070809654567,"num_words":46,"start":1014.82,"end":1032.705},{"sentences":[{"text":"So because you're in a high growth portfolio, you've got that ninety ten split.","start":1033.085,"end":1037.485,"sentiment":"neutral","sentiment_score":0.022968068718910217},{"text":"You're taking a bit more risk in the market.","start":1037.485,"end":1039.245,"sentiment":"neutral","sentiment_score":-0.068287360171477},{"text":"You're wanting to get greater returns.","start":1039.245,"end":1040.925,"sentiment":"neutral","sentiment_score":0.08699594275094569},{"text":"The expected return you'd want out of this risk profile is about eight to 10%.","start":1040.925,"end":1045.59,"sentiment":"neutral","sentiment_score":0.1805350715915362},{"text":"So if you're able to obtain a 15% return every year, that's exceeding the annual expected return to your risk profile.","start":1045.8099,"end":1053.11,"sentiment":"neutral","sentiment_score":0.33098398007097696}],"sentiment":"neutral","sentiment_score":0.1521174158829336,"num_words":65,"start":1033.085,"end":1053.11},{"sentences":[{"text":"And if you were in the growth environment, which is where you are at the moment, it's about seven to nine percent.","start":1053.4249,"end":1059.125,"sentiment":"neutral","sentiment_score":0.09814038263125853},{"text":"So there's no real set return that people generally average out.","start":1059.1849,"end":1064.3049,"sentiment":"neutral","sentiment_score":-0.15319313583048907},{"text":"It's more just depending on what you're invested in.","start":1064.3049,"end":1066.7849,"sentiment":"neutral","sentiment_score":-0.05600159822238816},{"text":"The balance you have also takes into effect.","start":1066.7849,"end":1069.125,"sentiment":"neutral","sentiment_score":-0.030239369720220566},{"text":"Because if you look at, say, someone with a 50,000 balance, a 5% return on 50,000 is a much smaller return than, say, a 5% return on someone with a $500,000 balance.","start":1069.46,"end":1080.6,"sentiment":"neutral","sentiment_score":-0.12049146054778248}],"sentiment":"neutral","sentiment_score":-0.050337709213902314,"num_words":82,"start":1053.4249,"end":1080.6},{"sentences":[{"text":"So your balance is also their contributions make a bit of a difference.","start":1080.8201,"end":1084.405,"sentiment":"neutral","sentiment_score":0.1760439150608503},{"text":"I know you're probably not getting any at the moment, but that will change once you are able to go back to work and recover.","start":1084.405,"end":1090.505,"sentiment":"neutral","sentiment_score":-0.004161832332611084},{"text":"And as your balance increases, smaller changes make a bigger difference for you.","start":1091.445,"end":1095.6849,"sentiment":"positive","sentiment_score":0.37051266661057103},{"text":"So yeah.","start":1095.6849,"end":1096.985,"sentiment":"neutral","sentiment_score":0.06628867611289024},{"text":"Yeah.","start":1099.6599,"end":1100.1599,"sentiment":"neutral","sentiment_score":0.006518952548503876}],"sentiment":"neutral","sentiment_score":0.13222751959606452,"num_words":54,"start":1080.8201,"end":1100.1599},{"sentences":[{"text":"Yeah.","start":1103.1799,"end":1103.6799,"sentiment":"neutral","sentiment_score":0.0062781404703855515},{"text":"Yeah.","start":1113.355,"end":1113.855,"sentiment":"neutral","sentiment_score":-0.0046737417578697205},{"text":"Yep.","start":1121.93,"end":1122.43,"sentiment":"neutral","sentiment_score":0.021096687763929367},{"text":"Yeah.","start":1127.53,"end":1128.01,"sentiment":"neutral","sentiment_score":0.013374156318604946},{"text":"I see.","start":1128.01,"end":1128.49,"sentiment":"neutral","sentiment_score":0.025133712217211723}],"sentiment":"neutral","sentiment_score":0.014390444538245598,"num_words":6,"start":1103.1799,"end":1128.49},{"sentences":[{"text":"You're kinda wanting to compare to what the average, say, host plus funds may have been able to achieve.","start":1128.49,"end":1134.19,"sentiment":"neutral","sentiment_score":0.025452921265049985},{"text":"Yes.","start":1136.4451,"end":1136.685,"sentiment":"neutral","sentiment_score":0.039614588022232056},{"text":"That's okay.","start":1136.685,"end":1137.505,"sentiment":"neutral","sentiment_score":0.10904577001929283},{"text":"Yep.","start":1139.725,"end":1140.225,"sentiment":"neutral","sentiment_score":0.06223105639219284},{"text":"Yep.","start":1141.645,"end":1142.145,"sentiment":"neutral","sentiment_score":0.0976673662662506}],"sentiment":"neutral","sentiment_score":0.03755041894813379,"num_words":24,"start":1128.49,"end":1142.145},{"sentences":[{"text":"Well, if I have a look at what they have disclosed for you Sorry.","start":1144.2051,"end":1150.9,"sentiment":"neutral","sentiment_score":0.013212590212268489},{"text":"Won't be a second.","start":1150.9,"end":1151.86,"sentiment":"neutral","sentiment_score":-0.027403358835726976},{"text":"I'll just yeah.","start":1151.86,"end":1153.88,"sentiment":"neutral","sentiment_score":-0.004058498733987411},{"text":"Absolutely.","start":1154.18,"end":1154.68,"sentiment":"neutral","sentiment_score":0.05363769084215164},{"text":"Yeah.","start":1157.06,"end":1157.56,"sentiment":"neutral","sentiment_score":0.14531919360160828}],"sentiment":"neutral","sentiment_score":0.01139757460307168,"num_words":23,"start":1144.2051,"end":1157.56},{"sentences":[{"text":"Absolutely.","start":1160.1,"end":1160.6,"sentiment":"positive","sentiment_score":0.3353242874145508},{"text":"Absolutely.","start":1162.1,"end":1162.6,"sentiment":"neutral","sentiment_score":0.1707267165184021},{"text":"Definitely.","start":1163.7,"end":1164.2,"sentiment":"neutral","sentiment_score":0.18530945479869845},{"text":"So with this one here, now we're working on a three year rolling average.","start":1165.0549,"end":1168.815,"sentiment":"neutral","sentiment_score":0.08412625401147775},{"text":"So to work on the same sort of thing, their high growth portfolio has not been around for that long, so they don't have a three year return.","start":1168.815,"end":1177.455,"sentiment":"neutral","sentiment_score":-0.007434249323393617}],"sentiment":"neutral","sentiment_score":0.03691042297416263,"num_words":45,"start":1160.1,"end":1177.455},{"sentences":[{"text":"They've only got a one year return, which is 9.81 percent.","start":1177.455,"end":1182.7101,"sentiment":"neutral","sentiment_score":0.023840088227933102},{"text":"The growth portfolio, which is a eighty twenty split, that's kind of where you're invested at at the moment.","start":1182.85,"end":1188.55,"sentiment":"neutral","sentiment_score":0.03547889278515389},{"text":"Their three year rolling average has averaged about 9.55%.","start":1189.25,"end":1194.39,"sentiment":"neutral","sentiment_score":0.048022172103325524},{"text":"Yeah.","start":1197.155,"end":1197.655,"sentiment":"neutral","sentiment_score":0.01727887988090515},{"text":"The three year rolling average for your current portfolio is showing 13.87 and 15.32 for the newer portfolio with the SMA product.","start":1200.435,"end":1209.5751,"sentiment":"neutral","sentiment_score":0.017975592985749245}],"sentiment":"neutral","sentiment_score":0.028730345289072683,"num_words":62,"start":1177.455,"end":1209.5751},{"sentences":[{"text":"Yeah.","start":1211.6,"end":1212.1,"sentiment":"positive","sentiment_score":0.3416411280632019},{"text":"Yeah.","start":1212.5599,"end":1213.0399,"sentiment":"positive","sentiment_score":0.33845439553260803},{"text":"Beautiful.","start":1213.0399,"end":1213.5399,"sentiment":"positive","sentiment_score":0.5826286673545837},{"text":"So that's essentially the recommendations there.","start":1214.48,"end":1217.14,"sentiment":"neutral","sentiment_score":0.1766656699279944},{"text":"It's really important that I do make you aware of how this would work.","start":1217.36,"end":1220.1599,"sentiment":"neutral","sentiment_score":0.10358282551169395}],"sentiment":"neutral","sentiment_score":0.16403816381226416,"num_words":23,"start":1211.6,"end":1220.1599},{"sentences":[{"text":"So we're not in order to move into the SMA in the back end, we're not changing Hub 24 as such, but we are gonna change the menu to a more cheaper product for you.","start":1220.1599,"end":1229.385,"sentiment":"neutral","sentiment_score":0.006660321993487222},{"text":"So on that fee comparison table in page number 22, on the administration fees, you'll actually see it's about a $180 cheaper.","start":1229.445,"end":1237.945,"sentiment":"neutral","sentiment_score":0.06799184801903638},{"text":"We keep Hub 24 exactly the same.","start":1238.8999,"end":1241.0599,"sentiment":"neutral","sentiment_score":0.07762017739670617},{"text":"You keep the same account number.","start":1241.0599,"end":1242.8999,"sentiment":"neutral","sentiment_score":0.11661849667628606},{"text":"Nothing changes there.","start":1242.8999,"end":1243.86,"sentiment":"neutral","sentiment_score":0.050185797115166984}],"sentiment":"neutral","sentiment_score":0.04277454163521936,"num_words":73,"start":1220.1599,"end":1243.86},{"sentences":[{"text":"It's just in the back end we change it to their cheaper product.","start":1243.86,"end":1247.0,"sentiment":"neutral","sentiment_score":0.11620478446667011},{"text":"This is a simple form design, and it actually is cheaper in administration fees, and we estimate about a $180 cheaper for the year for you, so it's actually gonna cost you less.","start":1247.46,"end":1256.485,"sentiment":"neutral","sentiment_score":0.29131383245641534},{"text":"Yeah.","start":1256.705,"end":1257.205,"sentiment":"neutral","sentiment_score":0.06746765971183777},{"text":"With the SMA product, because we are investing in more investment options, it is a little bit more expensive in the way of the investment fees.","start":1257.985,"end":1264.705,"sentiment":"neutral","sentiment_score":-0.020452189402511485},{"text":"So it is an extra $177, but that's cheaper than the administration fees that we're saving.","start":1264.705,"end":1271.12,"sentiment":"neutral","sentiment_score":0.04292871803045273}],"sentiment":"neutral","sentiment_score":0.12748976284114832,"num_words":89,"start":1243.86,"end":1271.12},{"sentences":[{"text":"So you actually still save when you weigh up the both of those.","start":1271.12,"end":1274.0199,"sentiment":"neutral","sentiment_score":0.027635328041819427},{"text":"Okay.","start":1274.08,"end":1274.58,"sentiment":"neutral","sentiment_score":0.12249957025051116},{"text":"Beautiful.","start":1275.6799,"end":1276.1799,"sentiment":"neutral","sentiment_score":0.33178389072418213},{"text":"And you'll see it's you're on yeah.","start":1276.24,"end":1279.455,"sentiment":"neutral","sentiment_score":0.08669416499989373},{"text":"Yeah.","start":1285.615,"end":1286.015,"sentiment":"neutral","sentiment_score":0.03942229598760605}],"sentiment":"neutral","sentiment_score":0.06347061636979165,"num_words":23,"start":1271.12,"end":1286.015},{"sentences":[{"text":"Basically, if I sort of wait at them all, because the ongoing service fee, that's for our services, for the advice, and us monitoring everything.","start":1286.015,"end":1293.3949,"sentiment":"neutral","sentiment_score":0.04223755143582821},{"text":"That's about 1,924 for the year.","start":1294.23,"end":1297.85,"sentiment":"neutral","sentiment_score":0.046853271002570786},{"text":"And then you've all yeah.","start":1298.63,"end":1300.31,"sentiment":"neutral","sentiment_score":0.026806077733635903},{"text":"The investment fees if I look at the total cost, the administration fees, investment fees, and any other fees applicable at '27, it's about $3,004 for all of those.","start":1300.31,"end":1310.995,"sentiment":"neutral","sentiment_score":0.022207255892712493},{"text":"Okay?","start":1311.135,"end":1311.635,"sentiment":"neutral","sentiment_score":0.029579371213912964}],"sentiment":"neutral","sentiment_score":0.03249513019214977,"num_words":66,"start":1286.015,"end":1311.635},{"sentences":[{"text":"Yeah.","start":1311.855,"end":1312.355,"sentiment":"neutral","sentiment_score":0.04152791202068329},{"text":"Yeah.","start":1315.055,"end":1315.2151,"sentiment":"neutral","sentiment_score":0.06377806514501572},{"text":"Yeah.","start":1315.2151,"end":1315.615,"sentiment":"neutral","sentiment_score":0.14763647317886353},{"text":"Beautiful.","start":1315.615,"end":1316.115,"sentiment":"neutral","sentiment_score":0.3307044208049774},{"text":"We wanna make sure that, obviously, you're making enough for your super to cover those costs but that you're also making additional growth and income on top of that.","start":1316.175,"end":1324.26,"sentiment":"neutral","sentiment_score":0.08459007078460579}],"sentiment":"neutral","sentiment_score":0.09202299769403356,"num_words":33,"start":1311.855,"end":1324.26},{"sentences":[{"text":"Yeah.","start":1324.48,"end":1324.98,"sentiment":"neutral","sentiment_score":0.09367826581001282},{"text":"Absolutely.","start":1326.64,"end":1327.14,"sentiment":"neutral","sentiment_score":0.045550864189863205},{"text":"No.","start":1328.7999,"end":1329.2999,"sentiment":"neutral","sentiment_score":-0.08644464612007141},{"text":"Yeah.","start":1334.655,"end":1335.155,"sentiment":"neutral","sentiment_score":0.055997584015131},{"text":"Correct.","start":1335.215,"end":1335.695,"sentiment":"neutral","sentiment_score":0.1543676257133484}],"sentiment":"neutral","sentiment_score":0.0526299387216568,"num_words":5,"start":1324.48,"end":1335.695},{"sentences":[{"text":"Correct.","start":1335.695,"end":1336.015,"sentiment":"neutral","sentiment_score":0.2461523860692978},{"text":"It's gotta be value.","start":1336.015,"end":1337.215,"sentiment":"positive","sentiment_score":0.3470109552145004},{"text":"Fees are never a bad thing if you understand what you're paying for and you're getting the value out of them.","start":1337.215,"end":1341.695,"sentiment":"positive","sentiment_score":0.39493511120478314},{"text":"Absolutely.","start":1341.695,"end":1342.195,"sentiment":"positive","sentiment_score":0.4256640672683716},{"text":"The other thing you'll see there in that fee comparison table is on the top line, you've got a 1,321 figure there, the difference.","start":1343.215,"end":1351.35,"sentiment":"neutral","sentiment_score":0.08896939929885168}],"sentiment":"neutral","sentiment_score":0.24487770966016778,"num_words":51,"start":1335.695,"end":1351.35},{"sentences":[{"text":"Now that's essentially the CDT.","start":1351.65,"end":1353.35,"sentiment":"neutral","sentiment_score":0.04829288646578789},{"text":"So for moving everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year.","start":1353.57,"end":1364.915,"sentiment":"neutral","sentiment_score":0.19082736782729626},{"text":"For us moving from the current portfolio into the SMA, we do estimate the tax consequences to be 1,321.","start":1365.6951,"end":1374.09,"sentiment":"neutral","sentiment_score":0.0985030873041404},{"text":"Your super funds will do a tax return.","start":1374.25,"end":1376.65,"sentiment":"neutral","sentiment_score":0.14319534413516521},{"text":"They will pay the CGT consequences there.","start":1376.65,"end":1379.23,"sentiment":"neutral","sentiment_score":0.11518839640276772}],"sentiment":"neutral","sentiment_score":0.14696551423955273,"num_words":77,"start":1351.65,"end":1379.23},{"sentences":[{"text":"But, essentially, when you look at maneuvering it, saving in admin fees and the greater growth that it has been plus the value of having the SMA and having those investments continue to be altered and changed in a line with market conditions.","start":1379.45,"end":1392.155,"sentiment":"neutral","sentiment_score":0.2097051464194475},{"text":"That 1321 sort of pays for itself in the long run.","start":1392.855,"end":1397.095,"sentiment":"neutral","sentiment_score":0.29232002794742584},{"text":"Okay?","start":1397.095,"end":1397.595,"sentiment":"neutral","sentiment_score":0.16027960181236267},{"text":"Yep.","start":1398.6951,"end":1399.095,"sentiment":"neutral","sentiment_score":0.2427351176738739},{"text":"Perfect.","start":1399.095,"end":1399.595,"sentiment":"positive","sentiment_score":0.5817663669586182}],"sentiment":"neutral","sentiment_score":0.23188811736671547,"num_words":57,"start":1379.45,"end":1399.595},{"sentences":[{"text":"That's essentially that table.","start":1400.295,"end":1401.63,"sentiment":"positive","sentiment_score":0.37942592054605484},{"text":"Looking at that there, do you have any questions around the recommendation, the fee table, or anything that I have just gone through for you?","start":1401.63,"end":1408.29,"sentiment":"neutral","sentiment_score":0.18983892917633058},{"text":"Yeah.","start":1417.0851,"end":1417.405,"sentiment":"neutral","sentiment_score":0.11598438024520874},{"text":"Absolutely.","start":1417.405,"end":1417.905,"sentiment":"positive","sentiment_score":0.4117399454116822},{"text":"Absolutely.","start":1419.165,"end":1419.645,"sentiment":"positive","sentiment_score":0.5692688822746277}],"sentiment":"neutral","sentiment_score":0.23002094123512506,"num_words":32,"start":1400.295,"end":1419.645},{"sentences":[{"text":"Perfect.","start":1419.645,"end":1420.145,"sentiment":"positive","sentiment_score":0.6607077121734619},{"text":"Now I have also included the effect planning side of things in here for you.","start":1420.765,"end":1424.685,"sentiment":"neutral","sentiment_score":0.27998877838253977},{"text":"So if you scroll down to page number 24, having a bit of a look now, we don't have a beneficiary nomination applied to your super.","start":1424.685,"end":1432.1901,"sentiment":"neutral","sentiment_score":-0.0628381110369586},{"text":"So when we spoke, we talked about how you wanted that to be nominated, and you want it to be made to your spouse.","start":1432.1901,"end":1438.8301,"sentiment":"neutral","sentiment_score":0.021309476423387725},{"text":"So I am recommending that we do update your beneficiary nomination to make sure it's applied and that we do make it a 100 to your spouse.","start":1438.8301,"end":1447.3451,"sentiment":"neutral","sentiment_score":0.2321920433530101}],"sentiment":"neutral","sentiment_score":0.10760603339401303,"num_words":93,"start":1419.645,"end":1447.3451},{"sentences":[{"text":"I'm nominating it as a binding, non lapsing nomination.","start":1447.805,"end":1450.785,"sentiment":"positive","sentiment_score":0.35983651545312667},{"text":"That means that you're binding the trustee to follow your directions.","start":1451.0851,"end":1454.385,"sentiment":"neutral","sentiment_score":0.3270510895685716},{"text":"So if in the event you were to pass away, your super is paid directly out to your beneficiary.","start":1454.4451,"end":1459.64,"sentiment":"neutral","sentiment_score":0.24674285281645625},{"text":"And nonlapsing means you only have to fill the form out once, and then you don't have to fill it out again.","start":1460.5801,"end":1465.54,"sentiment":"neutral","sentiment_score":0.24198526414957913},{"text":"It doesn't have to be updated unless you wanna change that nomination.","start":1465.54,"end":1468.6,"sentiment":"neutral","sentiment_score":0.15558556591471037}],"sentiment":"neutral","sentiment_score":0.25636859493304603,"num_words":73,"start":1447.805,"end":1468.6},{"sentences":[{"text":"Okay?","start":1469.14,"end":1469.64,"sentiment":"neutral","sentiment_score":0.14006739854812622},{"text":"And we also did talk Yeah.","start":1471.38,"end":1479.265,"sentiment":"neutral","sentiment_score":0.06810610182583332},{"text":"Yeah.","start":1480.8451,"end":1481.2451,"sentiment":"neutral","sentiment_score":0.07563135772943497},{"text":"So we will fill the beneficiary out for you.","start":1481.2451,"end":1483.905,"sentiment":"neutral","sentiment_score":0.1310017928481102},{"text":"Having a look now, your just having a look because your son's a minor at the moment, isn't he?","start":1484.3651,"end":1489.17,"sentiment":"neutral","sentiment_score":0.03664391375097789}],"sentiment":"neutral","sentiment_score":0.06943294067039257,"num_words":36,"start":1469.14,"end":1489.17},{"sentences":[{"text":"Yeah.","start":1489.17,"end":1489.67,"sentiment":"neutral","sentiment_score":0.02078256756067276},{"text":"So the easiest way and the best way to nominate your beneficiary is a 100% to your spouse as what I've recommended here because she actually receives it a 100% tax free.","start":1493.3301,"end":1502.755,"sentiment":"positive","sentiment_score":0.4009979544207454},{"text":"If you nominate part of your beneficiary to your child and they are no longer a tax dependent, so generally over 18 or 21 depending on their circumstances, they actually pay 17% tax on the taxable component there.","start":1503.215,"end":1518.3401,"sentiment":"neutral","sentiment_score":0.22115019512803932},{"text":"So it's much better to have it paid to your wife and then have her distribute some funds to him to help.","start":1518.8,"end":1524.66,"sentiment":"neutral","sentiment_score":0.330147229812362},{"text":"Yeah.","start":1525.52,"end":1526.0,"sentiment":"neutral","sentiment_score":0.3106616735458374}],"sentiment":"neutral","sentiment_score":0.30670558780114704,"num_words":94,"start":1489.17,"end":1526.0},{"sentences":[{"text":"Because she gets no tax rate, so she gets a greater benefit out of it.","start":1526.0,"end":1529.36,"sentiment":"positive","sentiment_score":0.4511175195376078},{"text":"Does that make sense?","start":1529.36,"end":1530.135,"sentiment":"neutral","sentiment_score":0.20809773355722427},{"text":"Yeah.","start":1532.375,"end":1532.6951,"sentiment":"neutral","sentiment_score":0.1275477111339569},{"text":"Yeah.","start":1532.6951,"end":1533.175,"sentiment":"neutral","sentiment_score":0.05329116806387901},{"text":"In saying all of that, we actually just don't wanna have to claim.","start":1533.175,"end":1535.735,"sentiment":"neutral","sentiment_score":-0.09990353194566873}],"sentiment":"neutral","sentiment_score":0.1906249026822693,"num_words":34,"start":1526.0,"end":1535.735},{"sentences":[{"text":"Why don't we want you to get through your time and then enjoy your money?","start":1535.735,"end":1538.875,"sentiment":"neutral","sentiment_score":0.025213885804017386},{"text":"I'm all you're right.","start":1543.335,"end":1544.58,"sentiment":"neutral","sentiment_score":0.09281262010335922},{"text":"No.","start":1549.46,"end":1549.7799,"sentiment":"neutral","sentiment_score":-0.02806065045297146},{"text":"But we can we can help you out, and we can prefill the form for you if you like and send it out.","start":1549.7799,"end":1554.82,"sentiment":"neutral","sentiment_score":0.11864556688005509},{"text":"So it's mostly prefilled, and then you decide to sign it, check the details, and have it witnessed.","start":1554.82,"end":1560.36,"sentiment":"neutral","sentiment_score":0.07188926347427899}],"sentiment":"neutral","sentiment_score":0.07777463766883631,"num_words":61,"start":1535.735,"end":1560.36},{"sentences":[{"text":"Yeah.","start":1564.435,"end":1564.935,"sentiment":"neutral","sentiment_score":0.004190669395029545},{"text":"It can be anyone.","start":1567.3151,"end":1568.675,"sentiment":"neutral","sentiment_score":-0.07771175540983677},{"text":"It just can't be the person you're nominating is event history.","start":1568.675,"end":1571.555,"sentiment":"neutral","sentiment_score":-0.10281761566346342},{"text":"So if you got a neighbor or any adult over 18 years of age, they just need to witness you signing it, and they sign and date it at the same time.","start":1571.555,"end":1579.16,"sentiment":"neutral","sentiment_score":-0.026921329728793353},{"text":"Yep.","start":1580.8201,"end":1581.3201,"sentiment":"neutral","sentiment_score":-0.05724230408668518}],"sentiment":"neutral","sentiment_score":-0.048089285305111994,"num_words":49,"start":1564.435,"end":1581.3201},{"sentences":[{"text":"Absolutely.","start":1582.26,"end":1582.76,"sentiment":"neutral","sentiment_score":0.20855413377285004},{"text":"Yeah.","start":1583.06,"end":1583.38,"sentiment":"neutral","sentiment_score":0.18439987301826477},{"text":"Definitely.","start":1583.38,"end":1583.88,"sentiment":"neutral","sentiment_score":0.2185841202735901},{"text":"Now did you want me to prefill those details for you on the beneficiary nomination?","start":1584.58,"end":1589.24,"sentiment":"neutral","sentiment_score":0.07063997512062391},{"text":"Not an issue at all.","start":1592.855,"end":1593.975,"sentiment":"neutral","sentiment_score":0.021152180433273316}],"sentiment":"neutral","sentiment_score":0.07725646330610565,"num_words":23,"start":1582.26,"end":1593.975},{"sentences":[{"text":"Now I do have on that page 24 that I've got your wife's name.","start":1593.975,"end":1599.015,"sentiment":"neutral","sentiment_score":0.05412497504481247},{"text":"Can you just double check that has been spelled correctly, and I can update it if it's not?","start":1599.015,"end":1603.015,"sentiment":"neutral","sentiment_score":0.02577127433485455},{"text":"I'm so sorry.","start":1603.015,"end":1603.915,"sentiment":"neutral","sentiment_score":-0.08967079222202301},{"text":"Page number 24, and you'll see under the heading nominee.","start":1606.1799,"end":1609.32,"sentiment":"neutral","sentiment_score":-0.01591415945440531},{"text":"Yes.","start":1623.075,"end":1623.455,"sentiment":"neutral","sentiment_score":0.054427675902843475}],"sentiment":"neutral","sentiment_score":0.018432745507553867,"num_words":46,"start":1593.975,"end":1623.455},{"sentences":[{"text":"There's a little table.","start":1623.455,"end":1624.995,"sentiment":"neutral","sentiment_score":0.029616135638207197},{"text":"You've got four, five columns there.","start":1624.995,"end":1627.155,"sentiment":"neutral","sentiment_score":0.016460835933685303},{"text":"Nominate the second last column, and it's got spouse with miss Shelly Da Silva.","start":1627.155,"end":1631.4149,"sentiment":"neutral","sentiment_score":0.03116235263379557},{"text":"Oh, sorry.","start":1641.1799,"end":1641.74,"sentiment":"neutral","sentiment_score":-0.0319391805678606},{"text":"Is it 24 did I say 23?","start":1641.74,"end":1643.82,"sentiment":"neutral","sentiment_score":-0.03651347916041102}],"sentiment":"neutral","sentiment_score":0.010122114538469097,"num_words":33,"start":1623.455,"end":1643.82},{"sentences":[{"text":"I'm so sorry.","start":1643.82,"end":1644.5399,"sentiment":"neutral","sentiment_score":-0.06011143202582995},{"text":"24.","start":1644.5399,"end":1645.44,"sentiment":"neutral","sentiment_score":-0.018559807911515236},{"text":"Yep.","start":1648.1051,"end":1648.6051,"sentiment":"neutral","sentiment_score":-0.002456268295645714},{"text":"It says Oh, maybe 25 on your document, and maybe made the first page number one.","start":1650.175,"end":1663.0,"sentiment":"neutral","sentiment_score":0.014875909371767193},{"text":"So the heading on this one is your beneficiary nomination.","start":1663.0,"end":1666.9401,"sentiment":"neutral","sentiment_score":0.029148819297552107}],"sentiment":"neutral","sentiment_score":0.010585560343198238,"num_words":31,"start":1643.82,"end":1666.9401},{"sentences":[{"text":"Yeah.","start":1670.9349,"end":1671.4349,"sentiment":"neutral","sentiment_score":0.004793369211256504},{"text":"That's okay.","start":1680.695,"end":1681.495,"sentiment":"neutral","sentiment_score":0.02941589569672942},{"text":"Can you just you've got it there.","start":1681.495,"end":1683.74,"sentiment":"neutral","sentiment_score":0.07419610741947379},{"text":"Beautiful.","start":1683.74,"end":1684.22,"sentiment":"positive","sentiment_score":0.4835920929908752},{"text":"Have I spelled have we spelled her name correctly there?","start":1684.22,"end":1686.62,"sentiment":"neutral","sentiment_score":0.10533493384718895}],"sentiment":"neutral","sentiment_score":0.10094949257160936,"num_words":21,"start":1670.9349,"end":1686.62},{"sentences":[{"text":"Is that how you spell Michelle's name?","start":1686.62,"end":1688.48,"sentiment":"neutral","sentiment_score":0.04885633981653622},{"text":"Yep.","start":1690.0599,"end":1690.5599,"sentiment":"neutral","sentiment_score":0.014517029747366903},{"text":"Okay.","start":1694.1399,"end":1694.6399,"sentiment":"neutral","sentiment_score":0.01948228105902672},{"text":"Not a problem.","start":1695.7251,"end":1696.4451,"sentiment":"neutral","sentiment_score":0.07109540700912476},{"text":"What's her joint last name under the Silva?","start":1696.4451,"end":1698.545,"sentiment":"neutral","sentiment_score":0.04026265745051205}],"sentiment":"neutral","sentiment_score":0.04556905850768089,"num_words":20,"start":1686.62,"end":1698.545},{"sentences":[{"text":"Yep.","start":1705.805,"end":1706.305,"sentiment":"neutral","sentiment_score":0.021756872534751892},{"text":"Beautiful.","start":1709.4199,"end":1709.9199,"sentiment":"neutral","sentiment_score":0.30510014295578003},{"text":"And what's her date of sorry.","start":1710.3799,"end":1712.0,"sentiment":"neutral","sentiment_score":0.041877591672043},{"text":"Yep.","start":1715.4199,"end":1715.9199,"sentiment":"neutral","sentiment_score":0.030464060604572296},{"text":"Yep.","start":1717.58,"end":1717.82,"sentiment":"neutral","sentiment_score":0.02873808704316616}],"sentiment":"neutral","sentiment_score":0.06373247131705284,"num_words":10,"start":1705.805,"end":1717.82},{"sentences":[{"text":"And then t for tango, e, l l.","start":1717.82,"end":1720.24,"sentiment":"neutral","sentiment_score":0.02129849954508245},{"text":"E l.","start":1722.435,"end":1722.995,"sentiment":"neutral","sentiment_score":0.016607840545475483},{"text":"Yep.","start":1722.995,"end":1723.475,"sentiment":"neutral","sentiment_score":0.07359383255243301},{"text":"Perfect.","start":1723.475,"end":1723.975,"sentiment":"neutral","sentiment_score":0.29337698221206665},{"text":"I've got that then.","start":1724.275,"end":1725.0751,"sentiment":"neutral","sentiment_score":0.13572432100772858}],"sentiment":"neutral","sentiment_score":0.06959198601543903,"num_words":16,"start":1717.82,"end":1725.0751},{"sentences":[{"text":"Not a problem.","start":1725.0751,"end":1725.635,"sentiment":"neutral","sentiment_score":0.16310625274976095},{"text":"We can proof for that for you.","start":1725.635,"end":1727.255,"sentiment":"neutral","sentiment_score":0.10690380100693021},{"text":"What's her date of birth?","start":1727.475,"end":1728.855,"sentiment":"neutral","sentiment_score":0.03205843418836594},{"text":"Yep.","start":1732.1951,"end":1732.59,"sentiment":"neutral","sentiment_score":0.04038001969456673},{"text":"9082.","start":1732.83,"end":1733.7899,"sentiment":"neutral","sentiment_score":0.08777474611997604}],"sentiment":"neutral","sentiment_score":0.08977013541495099,"num_words":17,"start":1725.0751,"end":1733.7899},{"sentences":[{"text":"Fantastic.","start":1733.7899,"end":1734.2899,"sentiment":"positive","sentiment_score":0.5336609482765198},{"text":"And and all at the same address as yourself, I can use the new address, which is absolutely fine there for you.","start":1734.59,"end":1740.37,"sentiment":"positive","sentiment_score":0.3524307561191646},{"text":"And are you happy for it to be a 100% to have?","start":1740.59,"end":1743.73,"sentiment":"positive","sentiment_score":0.366822029153506},{"text":"Yep.","start":1745.165,"end":1745.565,"sentiment":"neutral","sentiment_score":0.158234640955925},{"text":"Beautiful.","start":1745.565,"end":1745.885,"sentiment":"positive","sentiment_score":0.3945300579071045}],"sentiment":"positive","sentiment_score":0.3578855846379254,"num_words":37,"start":1733.7899,"end":1745.885},{"sentences":[{"text":"And are you happy with the binding non lapsing so we don't have to keep filling this form out?","start":1745.885,"end":1750.5449,"sentiment":"neutral","sentiment_score":0.0749286610240999},{"text":"Yep.","start":1752.0449,"end":1752.5449,"sentiment":"neutral","sentiment_score":0.12096451222896576},{"text":"Beautiful.","start":1753.165,"end":1753.665,"sentiment":"positive","sentiment_score":0.3375583589076996},{"text":"No.","start":1760.86,"end":1761.1,"sentiment":"neutral","sentiment_score":-0.04784553498029709},{"text":"That's okay.","start":1761.1,"end":1761.9,"sentiment":"neutral","sentiment_score":0.03474146919324994}],"sentiment":"neutral","sentiment_score":0.07932520141669859,"num_words":24,"start":1745.885,"end":1761.9},{"sentences":[{"text":"We can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then.","start":1761.9,"end":1769.92,"sentiment":"neutral","sentiment_score":0.09624550044536591},{"text":"Yep.","start":1773.125,"end":1773.625,"sentiment":"neutral","sentiment_score":0.02833156101405621},{"text":"Yep.","start":1773.925,"end":1774.245,"sentiment":"neutral","sentiment_score":0.08487533777952194},{"text":"Beautiful.","start":1774.245,"end":1774.745,"sentiment":"positive","sentiment_score":0.6163992881774902},{"text":"Not a problem at all.","start":1774.885,"end":1775.765,"sentiment":"positive","sentiment_score":0.3619326949119568}],"sentiment":"neutral","sentiment_score":0.14280617565504813,"num_words":38,"start":1761.9,"end":1775.765},{"sentences":[{"text":"We'll hold off until Monday and post it out then.","start":1775.765,"end":1778.0851,"sentiment":"neutral","sentiment_score":0.12356150448322296},{"text":"Not a problem.","start":1778.0851,"end":1778.5651,"sentiment":"neutral","sentiment_score":0.1711372584104538},{"text":"It also comes from Australia Post, so the snail mail could take weeks.","start":1778.5651,"end":1782.8251,"sentiment":"neutral","sentiment_score":0.04064804788392324},{"text":"Beautiful.","start":1785.92,"end":1786.42,"sentiment":"positive","sentiment_score":0.6546229124069214},{"text":"The last couple of pages here are that we're also recommending that you guys do talk about a will.","start":1787.3601,"end":1792.0,"sentiment":"neutral","sentiment_score":0.10505464967144162}],"sentiment":"neutral","sentiment_score":0.10713288475475881,"num_words":46,"start":1775.765,"end":1792.0},{"sentences":[{"text":"Obviously, you are purchasing a new home.","start":1792.0,"end":1793.8401,"sentiment":"neutral","sentiment_score":0.031916938722133636},{"text":"There's a lot of things that are occurring.","start":1793.8401,"end":1795.52,"sentiment":"neutral","sentiment_score":0.03443352412432432},{"text":"So seeing a solicitor and having a will updated is really important for the two of you.","start":1795.52,"end":1800.2151,"sentiment":"neutral","sentiment_score":0.14399448168628357},{"text":"We can always send an email with some referral information on the solicitor that local to the Gold Coast here.","start":1800.2151,"end":1806.3151,"sentiment":"neutral","sentiment_score":0.07449975162744522},{"text":"Or if you've got a local one that you're comfortable seeing, it is it's really important to have a will in place and also power of attorneys to make sure that in the event that something was to happen, that you've got that power of attorney so someone can make medical and or financial decisions on your behalf for you.","start":1806.775,"end":1822.02,"sentiment":"neutral","sentiment_score":0.09482498113065958}],"sentiment":"neutral","sentiment_score":0.09041327547415026,"num_words":112,"start":1792.0,"end":1822.02},{"sentences":[{"text":"Okay?","start":1822.08,"end":1822.58,"sentiment":"neutral","sentiment_score":0.04732146114110947},{"text":"Yeah.","start":1823.6799,"end":1824.1799,"sentiment":"neutral","sentiment_score":0.1970921754837036},{"text":"Excellent.","start":1824.5599,"end":1825.0599,"sentiment":"positive","sentiment_score":0.44190436601638794},{"text":"There's that's basically all of the advice there.","start":1826.1599,"end":1828.955,"sentiment":"neutral","sentiment_score":0.16908754408359528},{"text":"Now it's really important I make you aware that there's there's no upfront or implementations to this.","start":1828.955,"end":1834.635,"sentiment":"neutral","sentiment_score":0.06853155857499908}],"sentiment":"neutral","sentiment_score":0.11443053039589099,"num_words":28,"start":1822.08,"end":1834.635},{"sentences":[{"text":"Our advice is all part of you being an ongoing service client, and you pay the ongoing service fee, which is 1.65% per annum.","start":1834.635,"end":1841.855,"sentiment":"neutral","sentiment_score":0.07202677351112168},{"text":"We do get paid remuneration by the insurance company that you you hold insurances with the sender, so we do receive ongoing remuneration for them.","start":1842.6599,"end":1850.6599,"sentiment":"neutral","sentiment_score":0.08669027641415596},{"text":"However, the ongoing remuneration paid by the insurance company has no effect on on our recommendations.","start":1850.6599,"end":1856.2799,"sentiment":"neutral","sentiment_score":0.049390404717996716},{"text":"We provide advice in best interest.","start":1856.6599,"end":1858.9551,"sentiment":"neutral","sentiment_score":0.16241422295570374},{"text":"So all of our advice is about making sure that we're here to help you meet your goals and that the advice is provided under our best interest, Judy.","start":1858.9551,"end":1866.0951,"sentiment":"neutral","sentiment_score":0.23256684068975778}],"sentiment":"neutral","sentiment_score":0.12405069667845964,"num_words":100,"start":1834.635,"end":1866.0951},{"sentences":[{"text":"Okay.","start":1866.155,"end":1866.655,"sentiment":"neutral","sentiment_score":0.045732736587524414},{"text":"Absolutely.","start":1870.01,"end":1870.51,"sentiment":"neutral","sentiment_score":0.01730252057313919},{"text":"Sure.","start":1871.21,"end":1871.71,"sentiment":"neutral","sentiment_score":-0.0030974261462688446},{"text":"Yep.","start":1876.33,"end":1876.83,"sentiment":"neutral","sentiment_score":-0.020617935806512833},{"text":"Right.","start":1885.3049,"end":1885.8049,"sentiment":"neutral","sentiment_score":-0.026941515505313873}],"sentiment":"neutral","sentiment_score":0.0024756759405136107,"num_words":5,"start":1866.155,"end":1885.8049},{"sentences":[{"text":"Yeah.","start":1893.72,"end":1894.22,"sentiment":"neutral","sentiment_score":-0.06544481217861176},{"text":"Yeah.","start":1897.24,"end":1897.74,"sentiment":"neutral","sentiment_score":-0.011026603169739246},{"text":"Absolutely.","start":1898.6,"end":1899.1,"sentiment":"neutral","sentiment_score":0.17564451694488523},{"text":"So the insurance premium at the moment is the 2,511.","start":1899.5599,"end":1907.4199,"sentiment":"neutral","sentiment_score":0.03387432303279638},{"text":"I'm just double checking because on that projection table has your insurance premium in it.","start":1907.48,"end":1912.435,"sentiment":"neutral","sentiment_score":-0.008239846490323544}],"sentiment":"neutral","sentiment_score":0.011225665520344461,"num_words":28,"start":1893.72,"end":1912.435},{"sentences":[{"text":"Sorry.","start":1913.055,"end":1913.295,"sentiment":"neutral","sentiment_score":-0.23090985417366028},{"text":"I just lost my page.","start":1913.295,"end":1914.515,"sentiment":"neutral","sentiment_score":-0.3160430133342743},{"text":"So $2,135 is how much you paid for the this year's premium.","start":1914.5751,"end":1919.555,"sentiment":"neutral","sentiment_score":-0.07312633531788985},{"text":"Yep.","start":1922.43,"end":1922.93,"sentiment":"neutral","sentiment_score":0.0071619972586631775},{"text":"Yep.","start":1923.39,"end":1923.89,"sentiment":"neutral","sentiment_score":0.039235081523656845}],"sentiment":"neutral","sentiment_score":-0.1321121932938695,"num_words":20,"start":1913.055,"end":1923.89},{"sentences":[{"text":"Yep.","start":1924.27,"end":1924.77,"sentiment":"neutral","sentiment_score":0.15263912081718445},{"text":"Perfect.","start":1924.99,"end":1925.49,"sentiment":"positive","sentiment_score":0.5407716035842896},{"text":"Yeah.","start":1931.7101,"end":1931.9501,"sentiment":"neutral","sentiment_score":-0.013749838806688786},{"text":"I can let you know how long you've had that for.","start":1931.9501,"end":1934.99,"sentiment":"neutral","sentiment_score":-0.0015012685378844087},{"text":"So that policy yeah.","start":1934.99,"end":1947.385,"sentiment":"neutral","sentiment_score":-0.02539398381486535}],"sentiment":"neutral","sentiment_score":0.03119838868992196,"num_words":18,"start":1924.27,"end":1947.385},{"sentences":[{"text":"Oh, wow.","start":1947.685,"end":1948.425,"sentiment":"neutral","sentiment_score":0.09843438863754272},{"text":"It's a good thing that you let us know because, yeah, absolutely, you wouldn't not wanna be getting on that claim.","start":1948.805,"end":1954.2,"sentiment":"neutral","sentiment_score":0.2830220343811171},{"text":"So the certificate of currency here shows that the policy was applied for and put in force in February 2024.","start":1954.82,"end":1965.1401,"sentiment":"neutral","sentiment_score":0.11088586151599884},{"text":"So you've had that for now two years.","start":1965.14,"end":1967.48,"sentiment":"neutral","sentiment_score":0.08718360168859363},{"text":"Yeah.","start":1968.075,"end":1968.575,"sentiment":"neutral","sentiment_score":0.06467288732528687}],"sentiment":"neutral","sentiment_score":0.17538827750831842,"num_words":52,"start":1947.685,"end":1968.575},{"sentences":[{"text":"Yeah.","start":1970.235,"end":1970.735,"sentiment":"neutral","sentiment_score":0.1574682593345642},{"text":"But now, look, if you are talking to anyone and they wanna look at personal insurances like life, TBD, income protection, because the insurance company is like a center that you've got your insurances through, we, as advisers, do get really good rates for things like that.","start":1971.115,"end":1985.9601,"sentiment":"neutral","sentiment_score":0.19186660211454046},{"text":"So if there's anyone who wants to look at insurances, please feel free to give them my information.","start":1985.9601,"end":1990.12,"sentiment":"neutral","sentiment_score":0.07783775486879879},{"text":"I'm happy to have a chat and talk to them about what they're after.","start":1990.12,"end":1992.8601,"sentiment":"positive","sentiment_score":0.5734299229724067},{"text":"We can provide advice on what they do.","start":1993.16,"end":1995.24,"sentiment":"neutral","sentiment_score":0.12900847103446722}],"sentiment":"neutral","sentiment_score":0.2231405095027929,"num_words":88,"start":1970.235,"end":1995.24},{"sentences":[{"text":"Only advice we provide is just a recommendation.","start":1995.24,"end":1997.705,"sentiment":"neutral","sentiment_score":0.09070546878501773},{"text":"At the end of the day, it's up to you guys whether you take those recommendations at all.","start":1998.245,"end":2002.345,"sentiment":"neutral","sentiment_score":0.1333373168276416},{"text":"And even if they just want, you know, some genuine information, we can always help with that as well.","start":2002.485,"end":2006.8049,"sentiment":"neutral","sentiment_score":0.2152778812144932},{"text":"So yeah.","start":2006.8049,"end":2007.765,"sentiment":"neutral","sentiment_score":0.20776496827602386},{"text":"Happy to chat to anyone that, you know, might be interested in that kind of advice.","start":2007.765,"end":2011.625,"sentiment":"positive","sentiment_score":0.42157052271068096}],"sentiment":"neutral","sentiment_score":0.22820084914565086,"num_words":63,"start":1995.24,"end":2011.625},{"sentences":[{"text":"Yeah.","start":2011.845,"end":2012.345,"sentiment":"neutral","sentiment_score":0.16763031482696533},{"text":"Beautiful.","start":2014.31,"end":2014.81,"sentiment":"positive","sentiment_score":0.7156496644020081},{"text":"All good.","start":2015.03,"end":2015.51,"sentiment":"positive","sentiment_score":0.6117899119853973},{"text":"Well, as the inside the document there, when you've got some time later and you wanna have a bit of a read through it, I've got all the advantages, disadvantages, the risks involved, any alternatives that I've considered as well.","start":2015.51,"end":2026.01,"sentiment":"neutral","sentiment_score":0.09081696663051844},{"text":"We've also got an appendices attached there.","start":2026.275,"end":2028.755,"sentiment":"neutral","sentiment_score":0.07452300403799329}],"sentiment":"neutral","sentiment_score":0.12276861758208742,"num_words":51,"start":2011.845,"end":2028.755},{"sentences":[{"text":"So at the bottom of the email, you'll see those little attachments there.","start":2028.755,"end":2032.135,"sentiment":"neutral","sentiment_score":0.06751437255969414},{"text":"The append the appendices essentially runs you through any additional rec any additional areas that we research.","start":2032.435,"end":2039.84,"sentiment":"neutral","sentiment_score":0.06610469914534513},{"text":"So we did look at retaining your portfolio and just making a switch to say what was called our LA, the low alpha portfolio.","start":2039.98,"end":2047.4401,"sentiment":"neutral","sentiment_score":0.04911473051955303},{"text":"The essentially, the the CGT consequences were cheaper by maneuvering into that portfolio, but it meant that we wouldn't be in the SMA, that you wouldn't get that underlying those underlining changes and things like that.","start":2048.02,"end":2061.925,"sentiment":"neutral","sentiment_score":0.043677937204645585},{"text":"So I've still recommended the estimate because that was more in line with your goals last time we spoke.","start":2061.925,"end":2066.52,"sentiment":"neutral","sentiment_score":0.22426758628142507}],"sentiment":"neutral","sentiment_score":0.08269458843972918,"num_words":109,"start":2028.755,"end":2066.52},{"sentences":[{"text":"So yeah.","start":2066.76,"end":2069.24,"sentiment":"positive","sentiment_score":0.4088304787874222},{"text":"All good.","start":2069.24,"end":2070.04,"sentiment":"positive","sentiment_score":0.4652446061372757},{"text":"I've also attached there the updated financial services guide, which has a lovely picture of me and all my information in it for you as well as all the other services you're entitled to.","start":2070.04,"end":2078.775,"sentiment":"positive","sentiment_score":0.3984964503084912},{"text":"And I know you're also speaking with my colleague, Hayden, and our head of advisers helping you with the claims process there.","start":2079.015,"end":2084.855,"sentiment":"neutral","sentiment_score":0.13325512544675308},{"text":"So we'll make sure we keep in touch with you.","start":2084.855,"end":2087.095,"sentiment":"neutral","sentiment_score":0.10459323078393937}],"sentiment":"neutral","sentiment_score":0.2753510649715151,"num_words":70,"start":2066.76,"end":2087.095},{"sentences":[{"text":"Okay?","start":2087.095,"end":2087.595,"sentiment":"neutral","sentiment_score":0.0896361693739891},{"text":"Beautiful.","start":2089.015,"end":2089.515,"sentiment":"neutral","sentiment_score":0.13808272778987885},{"text":"Feel free to take a reach for the document.","start":2090.055,"end":2091.815,"sentiment":"neutral","sentiment_score":0.2571164170900981},{"text":"If there's any questions, Andrew, it doesn't matter what it is, you let me know.","start":2091.815,"end":2095.0798,"sentiment":"neutral","sentiment_score":0.19891703377167383},{"text":"I'm more than happy to answer any questions you have in relation to it.","start":2095.0798,"end":2098.46,"sentiment":"positive","sentiment_score":0.6356421283313206}],"sentiment":"positive","sentiment_score":0.36061279885470865,"num_words":40,"start":2087.095,"end":2098.46},{"sentences":[{"text":"And once you've gone through the advice document, if you're happy to take those recommendations, I'll just get you to sign and return that back for us.","start":2098.68,"end":2105.0,"sentiment":"neutral","sentiment_score":0.285151324890278},{"text":"Okay?","start":2105.0,"end":2105.5,"sentiment":"neutral","sentiment_score":0.10774725675582886},{"text":"Oh, good.","start":2107.735,"end":2108.395,"sentiment":"positive","sentiment_score":0.41813263297080994},{"text":"Beautiful.","start":2108.615,"end":2109.115,"sentiment":"positive","sentiment_score":0.6589494943618774},{"text":"Thank you so much.","start":2110.215,"end":2111.675,"sentiment":"neutral","sentiment_score":0.285076767206192}],"sentiment":"neutral","sentiment_score":0.29835299594061715,"num_words":35,"start":2098.68,"end":2111.675},{"sentences":[{"text":"Yeah.","start":2112.215,"end":2112.615,"sentiment":"neutral","sentiment_score":0.16135837137699127},{"text":"Well, hopefully, everything goes well with the move next week and rest up, and we hope for a very speedy recovery for you.","start":2112.615,"end":2119.835,"sentiment":"positive","sentiment_score":0.46298480681751086},{"text":"My pleasure.","start":2123.02,"end":2123.58,"sentiment":"positive","sentiment_score":0.7921013534069061},{"text":"Thank you for your time today.","start":2123.58,"end":2124.7,"sentiment":"positive","sentiment_score":0.7833294967810313},{"text":"I'll talk to you soon.","start":2124.7,"end":2125.92,"sentiment":"positive","sentiment_score":0.43626991510391233}],"sentiment":"positive","sentiment_score":0.5209604916540352,"num_words":37,"start":2112.215,"end":2125.92},{"sentences":[{"text":"Thanks.","start":2127.26,"end":2127.74,"sentiment":"positive","sentiment_score":0.550788164138794},{"text":"See you later.","start":2127.74,"end":2128.38,"sentiment":"positive","sentiment_score":0.3804382582505544},{"text":"Bye.","start":2128.38,"end":2128.88,"sentiment":"neutral","sentiment_score":-0.11174443364143372}],"sentiment":"neutral","sentiment_score":0.3160717010498047,"num_words":5,"start":2127.26,"end":2128.88}]}}]},{"alternatives":[{"transcript":"Your call has been forwarded to voice. Hello? Good. Thanks. How are you? Yeah. That's fine. Yeah. I'm not the best. I've told my Achilles, so yeah. Not much. Got a long recovery ahead of me. Well, full recovery. You should like it's a nine to twelve months full recovery. But I'm not sure yet how long I'll be off work for. So yeah. Yeah. Yeah. Okay. Yep. Yep. Sure. Andrew Baxter. 08/1980 '1. And did you say address? It's probably the one. I'm just in my parents at the moment. So that's 27 Anchor Hook Crescent up at Kuma. I'm only hit yeah. That would have been the one at the early that was Christina. 56 Slash 220 Christina Ave. Just in our parents until we get because we just bought a place. So we've got settle settlements on oh, thank you. Settlements on Monday, so we move in over, like, this weekend this next weekend coming. So so that will be our address. Yeah. 51 Slash 60 Beatty Road, Coomera. Yep. B E A T T I E. Thank you. Injury couldn't have happened at the worst time. Yeah. I've got family helping, which is lucky. So because I can't do anything with my leg. Yeah. Yeah. Yeah. That's right. Yeah. One sec. Dana Taylor. Yep. Yep. Okay. Yep. Nineteen and twenty. Oh, okay. Are they at the links at the bottom? Oh, sorry. Okay. Go to the sign document. Yep. Yep. That's fine. What page number did you say? Yep. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. I do. Yep. Yep. Yes. Yes. Yep. Got it. Yes. Yep. That sounds good. Okay. Yep. Yep. Yep. Yeah. Yeah. Yep. Right. Okay. Yep. You don't get that one. You just got a normal super account, do you? Yeah. 100%. Yeah. Yeah. Yeah. Just with everything that's happening in the world at the moment, have have you seen much of a change in the stocks that you do invest in in what's happening at the moment? Have they gone down or what? Yes. Yep. Okay. Yes. Yes. Yeah. Yeah. That's right. Yes. Yeah. Yep. Yes. Yeah. Yeah. Yeah. It's a 100%. Yep. Yeah. Yeah. No. No. I'm the type to ask a question if I don't understand. Yeah. It'd be a lot. What do you mean? Yeah. Okay. Yep. Okay. No. So you're saying in five years that it could have, like, 203,000? And that's two hundred and 14. Yeah. Yep. Okay. Yeah. Yeah. Definite definitely. Yeah. Of course. Yeah. Yep. So is that also saying, like, just obviously with a grain of salt again, that ten year prediction, is that is that saying, like, if you go on the current rate, it could be 348,000. But would that 15 or is that if it with the 15%, it would be $3.89. Is that correct? Yep. And what's sorry. What what's that 428,000 amount? The it's the one that says no insurance. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. And just up. Yeah. Just off the top, what what would the average superannuation, like, account, like, grow on per year? Because you're saying roughly 15% return. Yeah? So what would the average just an average super that's not having someone do the specific investment? Yes. Yes. Yep. Yes. Yes. Right. Yeah. Yeah. Yes. Yeah. So I was just I was just sort of wondering, like like, how you guys quizzes actually are doing the investment and picking the what stocks and whatnot you use actually. Whereas someone just like host or one of them, they just they just have the stocks. They don't really change. That's what I'm sort of saying. How would this what I'm doing now compared to just having it normally? What do you do you understand what I'm saying? What I'm trying yeah. Yeah. Yeah. Yeah. Because yeah. If I was to do, like, the same sort of growth or, like, same what I'm doing now, like, how much better are you, you guys? Yeah. But it's interesting to know, like, to such because obviously, you're spending money. You wanna know that your money's, you know, like, being yeah. It's it's worthwhile what you're spending. Yeah. Yes. Yeah. Okay. Yep. Yep. 9.55. And use and and what what were what were we again? Sorry. Yeah. Yeah. Well, cool. Yeah. That's great. Yep. Yes. Okay. Yep. Oh, that's good. Yep. Yeah. Yep. So I with with all my fee all the fees. So basically, roughly $3 for all the fees that I pay per year. Oh, yes. I see that. Yes. Yeah. Yeah. Yeah. Yeah. For that, sir. Grandpa. Total fees. Yep. Okay. That's exactly why. That's why I was just settled. Yeah. Exactly. Because you don't wanna be paying $3 if you, you know, you're still getting the exact same amount of what something else would get without anything. Yeah. Exactly. Yep. Yep. Yes. Yep. Yes. Yes. Okay. Yep. No. Not really. Like I said, I was just more like a comparison, just making sure that it's everything you are paying for what you get, value for money, so I can. Yes. Yep. Yep. Yep. So when I actually get a beneficiary, like well, obviously, I wanna get my wife and my son put on to my beneficiaries, so I need to get that done. Yeah. He turns 18 in in September. Yeah. Okay. Okay. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. I'm just that makes total sense. Yep. No. Yes. Exactly right. So yeah. Just to get her as the beneficiary, I need to fill that form out. You can't do it online or nothing, can you? Needs to be witness. Yeah. I might yeah. I might do that. Can anyone witness it or the the can it be a family member or not? Can't be a friend. Yeah. Oh, okay. So my sister couldn't do that. Yep. Yep. Oh, that's that would be amazing if you could do that. On what what page? Sorry. Alright. 23. Nominate. I'm just trying to see that. On page page 24. So online, page 24 is a table, the lump sum table. Name, hub 20 beneficiary nomination. I didn't actually see that. Oh, yeah. There it is. Yep. Yeah. But after Dasilva, she has a she has a last name too because it's a joint last name. So it's exactly the same, Michelle e Da Silva, and then the last name is Pimentel, p I m e n t e l. So that yep. So it went p I m, m for Mary, e, n for Nelly. E l. Just one l. Yep. '82. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. The only thing is, like, we when will you send that? Because we're not in there for another week. So Yeah. Just hold just do that. Yeah. Just hold it off, and then we'll get that sorted. Yep. Yep. Yeah. Yep. Yep. Cool. Yes. Yep. Okay. Yes. Yep. Yep. There was one last thing that I just wanted to ask. Because I'm actually taking out of the claim through Ascender for and I think I just got that last call. I don't even think I had it. What's it called? Income protection. So I was just wondering, would you know how much I actually paid for that? Because someone asked me, and I was like, oh, Jesus. I wouldn't actually have a clue how much I actually pay for that for that insurance. Okay. Okay. 2,130 5. Yep. Yep. That was lucky. And I don't think I had that originally, did I? I think I'd only just taken that out. Is that correct? Or Yeah. Just because someone asked me and I was like, oh, I don't even actually know. So when I did look yeah. When I injured myself and they said, oh, how much did you pay for that? Because I I actually didn't even realize I actually had that. Yeah. Yeah. Yeah. Yep. Yep. Okay. Yep. Yes. Very lucky. Very lucky. Yep. Yep. Okay. Yeah. Definitely. Yep. Yeah. Yeah. Yeah. That's right. Yep. Yeah. So then. Yep. Yep. Yes. Yep. Cool. Perfect. Yep. Yeah. Yeah. That's right. Yeah. Perfect. Great. Yep. Yep. No worries. I'll do that. I'll have a look and get that done. Now I've got plenty of time on my hands. Yeah. Beautiful. Thank thanks for the call. Appreciate it. Talk soon. Thank you. 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call has been forwarded to voice. Hello? Good. Thanks. How are you?\n\nYeah. That's fine. Yeah. I'm not the best. I've told my Achilles, so yeah.\n\nNot much. Got a long recovery ahead of me. Well, full recovery. You should like it's a nine to twelve months full recovery. But I'm not sure yet how long I'll be off work for.\n\nSo yeah. Yeah. Yeah. Okay. Yep.\n\nYep. Sure. Andrew Baxter. 08/1980 '1. And did you say address?\n\nIt's probably the one. I'm just in my parents at the moment. So that's 27 Anchor Hook Crescent up at Kuma. I'm only hit yeah. That would have been the one at the early that was Christina.\n\n56 Slash 220 Christina Ave. Just in our parents until we get because we just bought a place. So we've got settle settlements on oh, thank you. Settlements on Monday, so we move in over, like, this weekend this next weekend coming. So so that will be our address.\n\nYeah. 51 Slash 60 Beatty Road, Coomera. Yep. B E A T T I E. Thank you.\n\nInjury couldn't have happened at the worst time. Yeah. I've got family helping, which is lucky. So because I can't do anything with my leg. Yeah.\n\nYeah. Yeah. That's right. Yeah. One sec.\n\nDana Taylor. Yep. Yep. Okay. Yep.\n\nNineteen and twenty. Oh, okay. Are they at the links at the bottom? Oh, sorry. Okay.\n\nGo to the sign document. Yep. Yep. That's fine. What page number did you say?\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. I do.\n\nYep. Yep. Yes. Yes. Yep.\n\nGot it. Yes. Yep. That sounds good. Okay.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Right. Okay. Yep. You don't get that one.\n\nYou just got a normal super account, do you? Yeah. 100%. Yeah. Yeah.\n\nYeah. Just with everything that's happening in the world at the moment, have have you seen much of a change in the stocks that you do invest in in what's happening at the moment? Have they gone down or what? Yes. Yep.\n\nOkay. Yes. Yes. Yeah. Yeah.\n\nThat's right. Yes. Yeah. Yep. Yes.\n\nYeah. Yeah. Yeah. It's a 100%. Yep.\n\nYeah. Yeah. No. No. I'm the type to ask a question if I don't understand.\n\nYeah. It'd be a lot. What do you mean? Yeah. Okay.\n\nYep. Okay. No. So you're saying in five years that it could have, like, 203,000? And that's two hundred and 14.\n\nYeah. Yep. Okay. Yeah. Yeah.\n\nDefinite definitely. Yeah. Of course. Yeah. Yep.\n\nSo is that also saying, like, just obviously with a grain of salt again, that ten year prediction, is that is that saying, like, if you go on the current rate, it could be 348,000. But would that 15 or is that if it with the 15%, it would be $3.89. Is that correct? Yep. And what's sorry.\n\nWhat what's that 428,000 amount? The it's the one that says no insurance. Yep. Okay. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nAnd just up. Yeah. Just off the top, what what would the average superannuation, like, account, like, grow on per year? Because you're saying roughly 15% return. Yeah?\n\nSo what would the average just an average super that's not having someone do the specific investment? Yes. Yes. Yep. Yes.\n\nYes. Right. Yeah. Yeah. Yes.\n\nYeah. So I was just I was just sort of wondering, like like, how you guys quizzes actually are doing the investment and picking the what stocks and whatnot you use actually. Whereas someone just like host or one of them, they just they just have the stocks. They don't really change. That's what I'm sort of saying.\n\nHow would this what I'm doing now compared to just having it normally? What do you do you understand what I'm saying? What I'm trying yeah. Yeah. Yeah.\n\nYeah. Because yeah. If I was to do, like, the same sort of growth or, like, same what I'm doing now, like, how much better are you, you guys? Yeah. But it's interesting to know, like, to such because obviously, you're spending money.\n\nYou wanna know that your money's, you know, like, being yeah. It's it's worthwhile what you're spending. Yeah. Yes. Yeah.\n\nOkay. Yep. Yep. 9.55. And use and and what what were what were we again?\n\nSorry. Yeah. Yeah. Well, cool. Yeah.\n\nThat's great. Yep. Yes. Okay. Yep.\n\nOh, that's good. Yep. Yeah. Yep. So I with with all my fee all the fees.\n\nSo basically, roughly $3 for all the fees that I pay per year. Oh, yes. I see that. Yes. Yeah.\n\nYeah. Yeah. Yeah. For that, sir. Grandpa.\n\nTotal fees. Yep. Okay. That's exactly why. That's why I was just settled.\n\nYeah. Exactly. Because you don't wanna be paying $3 if you, you know, you're still getting the exact same amount of what something else would get without anything. Yeah. Exactly.\n\nYep. Yep. Yes. Yep. Yes.\n\nYes. Okay. Yep. No. Not really.\n\nLike I said, I was just more like a comparison, just making sure that it's everything you are paying for what you get, value for money, so I can. Yes. Yep. Yep. Yep.\n\nSo when I actually get a beneficiary, like well, obviously, I wanna get my wife and my son put on to my beneficiaries, so I need to get that done. Yeah. He turns 18 in in September. Yeah. Okay.\n\nOkay. Yep. Yep. Okay. Yep.\n\nYep. Yeah. Yeah. Yeah. I'm just that makes total sense.\n\nYep. No. Yes. Exactly right. So yeah.\n\nJust to get her as the beneficiary, I need to fill that form out. You can't do it online or nothing, can you? Needs to be witness. Yeah. I might yeah.\n\nI might do that. Can anyone witness it or the the can it be a family member or not? Can't be a friend. Yeah. Oh, okay.\n\nSo my sister couldn't do that. Yep. Yep. Oh, that's that would be amazing if you could do that. On what what page?\n\nSorry. Alright. 23. Nominate. I'm just trying to see that.\n\nOn page page 24. So online, page 24 is a table, the lump sum table. Name, hub 20 beneficiary nomination. I didn't actually see that. Oh, yeah.\n\nThere it is. Yep. Yeah. But after Dasilva, she has a she has a last name too because it's a joint last name. So it's exactly the same, Michelle e Da Silva, and then the last name is Pimentel, p I m e n t e l.\n\nSo that yep. So it went p I m, m for Mary, e, n for Nelly. E l. Just one l. Yep.\n\n'82. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. The only thing is, like, we when will you send that? Because we're not in there for another week. So Yeah.\n\nJust hold just do that. Yeah. Just hold it off, and then we'll get that sorted. Yep. Yep.\n\nYeah. Yep. Yep. Cool. Yes.\n\nYep. Okay. Yes. Yep. Yep.\n\nThere was one last thing that I just wanted to ask. Because I'm actually taking out of the claim through Ascender for and I think I just got that last call. I don't even think I had it. What's it called? Income protection.\n\nSo I was just wondering, would you know how much I actually paid for that? Because someone asked me, and I was like, oh, Jesus. I wouldn't actually have a clue how much I actually pay for that for that insurance. Okay. Okay.\n\n2,130 5. Yep. Yep. That was lucky. And I don't think I had that originally, did I?\n\nI think I'd only just taken that out. Is that correct? Or Yeah. Just because someone asked me and I was like, oh, I don't even actually know. So when I did look yeah.\n\nWhen I injured myself and they said, oh, how much did you pay for that? Because I I actually didn't even realize I actually had that. Yeah. Yeah. Yeah.\n\nYep. Yep. Okay. Yep. Yes.\n\nVery lucky. Very lucky. Yep. Yep. Okay.\n\nYeah. Definitely. Yep. Yeah. Yeah.\n\nYeah. That's right. Yep. Yeah. So then.\n\nYep. Yep. Yes. Yep. Cool.\n\nPerfect. Yep. Yeah. Yeah. That's right.\n\nYeah. Perfect. Great. Yep. Yep.\n\nNo worries. I'll do that. I'll have a look and get that done. Now I've got plenty of time on my hands. Yeah.\n\nBeautiful. Thank thanks for the call. Appreciate it. Talk soon. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Your call has been forwarded to voice.","start":0.08,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.00649171056491988},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.0290091335773468},{"text":"Good.","start":8.0,"end":8.32,"sentiment":"positive","sentiment_score":0.44025588035583496},{"text":"Thanks.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.4935570955276489},{"text":"How are you?","start":8.639999,"end":9.38,"sentiment":"neutral","sentiment_score":0.2913503547509511}],"sentiment":"neutral","sentiment_score":0.1378023999814804,"num_words":13,"start":0.08,"end":9.38},{"sentences":[{"text":"Yeah.","start":15.805,"end":16.125,"sentiment":"neutral","sentiment_score":0.10606655478477478},{"text":"That's 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just up.","start":993.945,"end":995.005,"sentiment":"neutral","sentiment_score":0.03424480929970741},{"text":"Yeah.","start":996.0,"end":996.48004,"sentiment":"neutral","sentiment_score":0.008607200346887112},{"text":"Just off the top, what what would the average superannuation, like, account, like, grow on per year?","start":996.48004,"end":1006.56,"sentiment":"neutral","sentiment_score":-0.015762835878002292},{"text":"Because you're saying roughly 15% return.","start":1006.56,"end":1011.065,"sentiment":"neutral","sentiment_score":0.0057010458161433535},{"text":"Yeah?","start":1011.205,"end":1011.705,"sentiment":"neutral","sentiment_score":0.0024649593979120255}],"sentiment":"neutral","sentiment_score":-0.004284119549473482,"num_words":28,"start":993.945,"end":1011.705},{"sentences":[{"text":"So what would the average just an average super that's not having someone do the specific 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and and what what were what were we again?","start":1196.9,"end":1199.9401,"sentiment":"neutral","sentiment_score":-0.009267988106743856}],"sentiment":"neutral","sentiment_score":0.0022849233200152716,"num_words":15,"start":1177.945,"end":1199.9401},{"sentences":[{"text":"Sorry.","start":1199.9401,"end":1200.4401,"sentiment":"neutral","sentiment_score":-0.06021858751773834},{"text":"Yeah.","start":1205.395,"end":1205.895,"sentiment":"neutral","sentiment_score":0.02684155665338039},{"text":"Yeah.","start":1209.9551,"end":1210.1951,"sentiment":"neutral","sentiment_score":0.17407339811325073},{"text":"Well, cool.","start":1210.1951,"end":1211.095,"sentiment":"positive","sentiment_score":0.39075779914855957},{"text":"Yeah.","start":1211.155,"end":1211.395,"sentiment":"neutral","sentiment_score":0.13132129609584808}],"sentiment":"neutral","sentiment_score":0.17558887694031,"num_words":6,"start":1199.9401,"end":1211.395},{"sentences":[{"text":"That's 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yeah.","start":1681.495,"end":1681.895,"sentiment":"neutral","sentiment_score":0.041765350848436356}],"sentiment":"neutral","sentiment_score":-0.008108801139449631,"num_words":27,"start":1640.82,"end":1681.895},{"sentences":[{"text":"There it is.","start":1681.895,"end":1682.5349,"sentiment":"neutral","sentiment_score":0.043709555019934974},{"text":"Yep.","start":1682.5349,"end":1683.0349,"sentiment":"neutral","sentiment_score":0.0858445018529892},{"text":"Yeah.","start":1688.855,"end":1689.255,"sentiment":"neutral","sentiment_score":0.021514642983675003},{"text":"But after Dasilva, she has a she has a last name too because it's a joint last name.","start":1689.255,"end":1698.5499,"sentiment":"neutral","sentiment_score":0.016505276939521234},{"text":"So it's exactly the same, Michelle e Da Silva, and then the last name is Pimentel, p I m e n t e 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only thing is, like, we when will you send that?","start":1754.26,"end":1758.26,"sentiment":"neutral","sentiment_score":-0.0011285306377844377},{"text":"Because we're not in there for another week.","start":1758.26,"end":1760.3601,"sentiment":"neutral","sentiment_score":-0.12828723434358835},{"text":"So Yeah.","start":1761.14,"end":1770.375,"sentiment":"neutral","sentiment_score":0.050835344940423965}],"sentiment":"neutral","sentiment_score":-0.036579768132904304,"num_words":23,"start":1751.015,"end":1770.375},{"sentences":[{"text":"Just hold just do that.","start":1770.375,"end":1771.415,"sentiment":"neutral","sentiment_score":0.03656143024563789},{"text":"Yeah.","start":1771.415,"end":1771.655,"sentiment":"neutral","sentiment_score":0.04354870319366455},{"text":"Just hold it off, and then we'll get that 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call.","start":2120.6199,"end":2121.74,"sentiment":"positive","sentiment_score":0.8361238241195679},{"text":"Appreciate it.","start":2121.74,"end":2122.72,"sentiment":"positive","sentiment_score":0.8129481077194214},{"text":"Talk soon.","start":2126.22,"end":2126.78,"sentiment":"neutral","sentiment_score":0.2816125303506851},{"text":"Thank you.","start":2126.78,"end":2127.3398,"sentiment":"positive","sentiment_score":0.6126798391342163}],"sentiment":"positive","sentiment_score":0.6999842549363772,"num_words":12,"start":2119.8198,"end":2127.3398},{"sentences":[{"text":"Bye.","start":2127.3398,"end":2127.8398,"sentiment":"positive","sentiment_score":0.3859514594078064}],"sentiment":"positive","sentiment_score":0.3859514594078064,"num_words":1,"start":2127.3398,"end":2127.8398}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Your call has been forwarded to voice. Hello?\n\nChannel 0: Hi, Andrew. This is Dana from Ovu Financial. How are you today?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to go through your updated advice document. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. I believe you're off work at the moment. Is how's everything been going for you?\n\nChannel 1: Yeah. I'm not the best. I've told my Achilles, so\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: I'm\n\nChannel 1: Not\n\nChannel 0: so\n\nChannel 1: much.\n\nChannel 0: sorry.\n\nChannel 1: Got a long recovery ahead of me.\n\nChannel 0: Oh, wow. Wow. How how long are they sort of saying for recovery at this point?\n\nChannel 1: Well, full recovery. You should like it's a nine to twelve months full recovery.\n\nChannel 0: Yeah. Yeah. Wow.\n\nChannel 1: But I'm not sure yet how long I'll be off work for. So\n\nChannel 0: Yeah. No. Completely understandable. I know when you spoke to my colleague, Maddie, and said they booked you in to have the advice updated, the advice I am providing today doesn't affect any income protection claims or anything on there. It's solely\n\nChannel 1: yeah.\n\nChannel 0: based around your super and the investments within for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? Yep. All good.\n\nChannel 1: Yeah.\n\nChannel 0: And before we jump into the call, I do have to let you know moving\n\nChannel 1: Okay.\n\nChannel 0: forward that we do record our calls for quality and training purposes.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy for me to proceed with that?\n\nChannel 1: Yep. Sure.\n\nChannel 0: Yep. Beautiful. And just for the security there with you as well, I'm sending the document out for you to have a look at, but I also just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Andrew Baxter. 08/1980\n\nChannel 0: Yep.\n\nChannel 1: '1. And did you say address?\n\nChannel 0: Yep. Yes, please. Sorry.\n\nChannel 1: It's probably the one. I'm just in my parents at the moment. So that's 27 Anchor Hook Crescent up at Kuma.\n\nChannel 0: Okay. Are you I\n\nChannel 1: I'm\n\nChannel 0: have\n\nChannel 1: only\n\nChannel 0: another\n\nChannel 1: hit\n\nChannel 0: address.\n\nChannel 1: yeah.\n\nChannel 0: You\n\nChannel 1: That\n\nChannel 0: are.\n\nChannel 1: would\n\nChannel 0: Sorry.\n\nChannel 1: have been the one at the early that was Christina. 56 Slash 220 Christina Ave.\n\nChannel 0: That's right. So have you moved now?\n\nChannel 1: Just in our parents until we get because we just bought a place.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: congratulations.\n\nChannel 1: we've\n\nChannel 0: Yeah.\n\nChannel 1: got settle settlements on oh, thank you. Settlements on Monday, so we move in over, like, this weekend this next weekend coming. So\n\nChannel 0: That's incredible.\n\nChannel 1: so that\n\nChannel 0: What's\n\nChannel 1: will\n\nChannel 0: gonna\n\nChannel 1: be\n\nChannel 0: be the\n\nChannel 1: our address.\n\nChannel 0: yeah. What\n\nChannel 1: Yeah.\n\nChannel 0: will be the address there, and I can update your file for you?\n\nChannel 1: 51 Slash 60\n\nChannel 0: Yep.\n\nChannel 1: Beatty Road, Coomera.\n\nChannel 0: Sorry. Beatie Road?\n\nChannel 1: Yep. B\n\nChannel 0: Yep.\n\nChannel 1: E A T T I E.\n\nChannel 0: K T I E. Beautiful. Thank you. And it's Coomera. Beautiful.\n\nWell, congratulations on that as\n\nChannel 1: Thank\n\nChannel 0: much as\n\nChannel 1: you.\n\nChannel 0: you're off work at the moment, and you have a lot going on. It's exciting that you got a new place, and hopefully everything goes well with the moving.\n\nChannel 1: Injury couldn't have happened at the worst time.\n\nChannel 0: I know. I know. Do you have many other people helping you with the moving\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: I've\n\nChannel 0: it's not\n\nChannel 1: got\n\nChannel 0: to\n\nChannel 1: family\n\nChannel 0: strain yourself?\n\nChannel 1: helping, which is lucky.\n\nChannel 0: Yeah.\n\nChannel 1: So because\n\nChannel 0: Oh,\n\nChannel 1: I can't\n\nChannel 0: that's\n\nChannel 1: do anything\n\nChannel 0: good.\n\nChannel 1: with my leg.\n\nChannel 0: No. No. At least you've got some time to sort of settle in, though, on the\n\nChannel 1: Yeah.\n\nChannel 0: on the positive\n\nChannel 1: Yeah.\n\nChannel 0: side.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Oh, perfect. Well, Andrew, I have to send through this document to you. Do you happen to have access to your emails at the moment just because sometimes it's easier to kinda review the\n\nChannel 1: Yeah.\n\nChannel 0: document that I'm looking at? Sorry.\n\nChannel 1: One sec.\n\nChannel 0: You're right. Not an issue.\n\nChannel 1: Dana Taylor.\n\nChannel 0: Mhmm. That's the one. So you'll see that sorry, I do apologize, when you open the documents, there has been prepared for yourself as of the 03/03/2026, prepared by myself, Sandra Taylor. And on the bottom of the front page, you'll see my authorized representative number as a licensed financial adviser. It is 1304394.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. As you ask for the scrolling through the document, I'll make this a little bit easier on you because you're welcome to go back and have a read of it before you take on any of the advice, but there are quite a lot of pages there, admittedly. I can see that there would be one change to your circumstances, which is your assets and liabilities now with the change of your property. However, I'll go back in the back end and update that for you. There\n\nChannel 1: Yep.\n\nChannel 0: it it happily doesn't affect the changes in in the advice that I'm providing today. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: All good. Now to make this a bit easier for you, if you can scroll, sorry, directly down to page number if we go into page number nineteen and twenty.\n\nChannel 1: Nineteen and twenty.\n\nChannel 0: Yep.\n\nChannel 1: Oh,\n\nChannel 0: Yep.\n\nChannel 1: okay.\n\nChannel 0: I'll\n\nChannel 1: Are they at the links\n\nChannel 0: yeah.\n\nChannel 1: at the bottom?\n\nChannel 0: Yeah. It it should be if you press on the sign button and continue right through, it should let you open that document you're\n\nChannel 1: Oh,\n\nChannel 0: looking\n\nChannel 1: sorry.\n\nChannel 0: at.\n\nChannel 1: Okay. Go to the sign\n\nChannel 0: Yep.\n\nChannel 1: document. Yep.\n\nChannel 0: Yeah. It I promise it won't make you sign anything. It's just so you can scroll through that document that you're looking at there.\n\nChannel 1: Yep. That's fine. What\n\nChannel 0: Yep.\n\nChannel 1: page number did you say?\n\nChannel 0: Nineteen and twenty. Can you see that there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So the heading on there or the big red heading will say investments. Is that the page that you're looking at, Andrew?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now when we did your annual review back around January, we sort of had that chat about some of the underperforming investments. We have obviously seen some changes in the market conditions,\n\nChannel 1: Yep.\n\nChannel 0: and we talked about how your performance was a bit lower than expected with Benelon having been underperforming there. There. So as\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: and I discussed, we are getting rid of that completely. We don't wanna keep anything that's not performing well.\n\nChannel 1: Yep.\n\nChannel 0: But I've also gone back and restructured all the investments within your super for you. So we also talked about our newer product, is a separately managed account. Do you remember going through that with me?\n\nChannel 1: Yeah. Yeah. Yeah. I do. Yep.\n\nChannel 0: Yeah. Beautiful. So, essentially, I am making the recommendation with regard to your super there that we retain Hub 24 as a product. There's nothing wrong with the product. It's still a great platform there, but we are\n\nChannel 1: Yep.\n\nChannel 0: gonna switch you out of the current investments and move you into the separately managed account there. One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming. But having that separately managed account means that at times of high volatility, which is what we're kinda seeing at the moment with what's happening globally there, it means\n\nChannel 1: Yes.\n\nChannel 0: that our investment committee in if we will have to work with the BlackRock investment committee. So BlackRock are one of Australia's largest\n\nChannel 1: Yes.\n\nChannel 0: investment firms, and we utilize\n\nChannel 1: Yep.\n\nChannel 0: their investment managers and their analysts to help us kind of make those decisions. So\n\nChannel 1: Got\n\nChannel 0: in\n\nChannel 1: it.\n\nChannel 0: sort of cooperation with BlackRock, our investment committee can be making changes to your super to the underlying investments to remove\n\nChannel 1: Yes. Yep. That sounds good.\n\nChannel 0: yeah, so with this here, you'll see we're essentially selling all of the battery lithium tech that then along the bank hybrids there will be gone. We there is physical gold within the portfolio there. However, it just shows that we'll be getting rid of that investment. Essentially, what happens is we will have\n\nChannel 1: Okay.\n\nChannel 0: 24 in specie transfer. Any whole assets they can in that estimate, but this is\n\nChannel 1: Yep.\n\nChannel 0: just showing you that we essentially will be removing most of these investments here. Okay? On the bottom of the next page there, so the top of the next page there, you'll see at the bottom of that table, you've got two options. It says catalyst and bloom, and you'll see that the green buys into those SMA products.\n\nChannel 1: Yep.\n\nChannel 0: So what's essentially gonna happen is we're gonna in CC transfer as many assets as we can into the SMA. What we can in CC transfer will be sold off, and we will buy into the two SMA products, so the catalyst and the bloom. We essentially buy into those at 3366%. So it keeps you in that asset allocation that you need to have. So\n\nChannel 1: Yep.\n\nChannel 0: when we kind of look at things, you're in that high growth environment, which normally sees that 90% growth asset. And to make it easier, if you scroll down to the next page for me, you'll see the asset allocation of how that risk profile should out should be set out. So you'll\n\nChannel 1: Yeah.\n\nChannel 0: see it's about 90% in growth investments, so things like Australian and international equities, and then the other sort of 10%, sorry, in defensive investments, so things like fixed interest, alternative defensive assets, and cash as well. With\n\nChannel 1: Yeah.\n\nChannel 0: your current asset allocation, you're a little bit low on the mark there. So your current asset allocation has you sitting at 81 percent growth investments and 19% defensive. It's not too far off. It's more of a growth portfolio than the high growth environment. So\n\nChannel 1: Yep.\n\nChannel 0: by moving into the SMA, you'll have your growth investments back up to eighty eight point eight seven percent and eleven point one three in defensive investments there. So what\n\nChannel 1: Right.\n\nChannel 0: you'll essentially see is when you look at your super fund, you'll see your two different estimated products with the catalyst and the bloom there, and you'll see the amount of money you have invested between both of those.\n\nChannel 1: Okay.\n\nChannel 0: The benefit to, yeah, the benefit to this product is that while you lose a bit of visibility there, as I kinda mentioned, by not having all the visibility of the underlying investments, it gives us greater control to make those changes for you to make sure things are always moving and that they're always changing in relation to market conditions. So you're investing correctly, and we can rebalance things as well to make it easier for you.\n\nChannel 1: Yep.\n\nChannel 0: A really good example is a couple of weeks back, we actually did meet with the investment committee there, and they did let us know they were rebalancing and making some changes to some of the underlying investments. So since we last sort of caught up, they've made some changes, which is fantastic. But it means that they automatically make those changes on your behalf so that, you know, when things need to change, you don't have to update the advice and go through this every time with you. We can just complete that for you on your behalf to make it easier.\n\nChannel 1: You\n\nChannel 0: Okay?\n\nChannel 1: don't get that one. You just got a normal super account, do you?\n\nChannel 0: That's no, that's correct. So this will this will be a lot easier for you. It doesn't take away the need for reviews in any way, shape, or form. So it's really still important that we do review your super do make sure that\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: 100%.\n\nChannel 0: FMA continues to\n\nChannel 1: Yeah.\n\nChannel 0: work for you. And when you find that you're no longer comfortable in that high growth environment, that you let me know, and we can reevaluate that for you as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Just with everything\n\nChannel 0: Yeah.\n\nChannel 1: that's happening in the world at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: have have you seen much of a change in the stocks that you do invest in in what's happening at the moment? Have they gone down or what?\n\nChannel 0: Yep. Some of them have, some of them haven't.\n\nChannel 1: Yes.\n\nChannel 0: We did sort of see probably about about six to eight weeks ago, there was more of a heavier drop. Since then, we have seen a bit more of a recovery. So,\n\nChannel 1: Yep. Okay.\n\nChannel 0: realistically, when I've been sort of looking at everything, when that war was sort of new and everything was happening and Trump was getting really aggressive, we did find there were some very heavy drops in the market there. But since renewed calls of the ceasefire and the talks and things like that have been back in play, we do find that investors are a little bit more confident in the market. And we have\n\nChannel 1: Yes.\n\nChannel 0: seen some recovery period out of it. It hasn't recovered right back to where it was, but it is moving towards that area.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: So it it hasn't actually been as bad as we thought it was gonna be. It is always an unknown. And one of the things we did talk to the black box economists about was, you know, what they sort of see. They don't know no one knows how long this is\n\nChannel 1: Yeah.\n\nChannel 0: gonna\n\nChannel 1: That's\n\nChannel 0: go\n\nChannel 1: right.\n\nChannel 0: on for, but there are hopes that'll hopefully be over soon.\n\nChannel 1: Yes.\n\nChannel 0: As much as the war and the is the big thing that's sort of happening between The US and Iran, it's kind of the big focus at the moment. We also do have higher inflation within Australia as well. So that has been affecting the fixed interest in the bond markets a little bit.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So that's sort of we've kind of been seeing the dips on two fronts at the moment, but economists think we're gonna have high inflation for a bit longer. They reckon for the yes for the rest of the year, and it could get quite high. We're\n\nChannel 1: Yes.\n\nChannel 0: certainly hoping it doesn't. But, look, we have seen some recovery back. And the estimate is a really good place to be in this sort of climate because we do have the BlackRock investment committee working hard with our investment committee so we can sort of see what the economists and the analysts are saying about the future and try to realign investments to sort of suit the current climate. So that really works in your favor. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yeah. It's a 100%. Yep.\n\nChannel 0: Yeah. Beautiful. If anything does, then you're welcome to let me know. Okay?\n\nChannel 1: Yeah. Yeah. No. No. I'm the type to ask a question\n\nChannel 0: You're\n\nChannel 1: if I don't understand.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. It'd be a lot. What\n\nChannel 0: Beautiful.\n\nChannel 1: do you mean?\n\nChannel 0: I love it.\n\nChannel 1: Yeah.\n\nChannel 0: I love it. Now if you can scroll down to page number 22 for me, this is essentially the fee table. So it's really important to note that whenever we're making recommendations, we do look at the fees and the structure and how that's gonna affect you and your super funds. So you'll see here you've got your fee comparison table, and the first column is your current scenario, so your current super balance and the fees that you are currently paying and your insurance premiums current in the fund at the moment.\n\nChannel 1: Okay.\n\nChannel 0: And at the moment, as I mentioned before, you're in more of that growth environment there. So\n\nChannel 1: Yep.\n\nChannel 0: you've the average return that this portfolio currently has been is about 13.87. Within the estimated product, it has actually seen a greater three year rolling average. If that was to be able to continue, on the next page, you can see where you could end up over the five to ten years. It gives you a bit of a projected outcome there. In saying that\n\nChannel 1: Okay.\n\nChannel 0: we are seeing a lot of volatility at the moment, so I don't think you you know, I know for a fact you're not gonna get 15% every year. But,\n\nChannel 1: No.\n\nChannel 0: essentially, if we can kind of and you get it close to or even it out over the longer term, you could see your balance increase significantly there. Okay.\n\nChannel 1: So you're saying in five years that it could have, like, 203,000?\n\nChannel 0: That's the current portfolio. The recommended, if you were able to get a 15.32% return every year for the next five to ten years, you could end up with 214\n\nChannel 1: And that's\n\nChannel 0: thousand\n\nChannel 1: two hundred and\n\nChannel 0: or\n\nChannel 1: 14.\n\nChannel 0: 300\n\nChannel 1: Yeah.\n\nChannel 0: and 18. Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. It\n\nChannel 1: Yeah.\n\nChannel 0: all all depends upon what markets do. I always suggest we take projections out of as a grain of a cell. We're utilizing\n\nChannel 1: Yeah. Definite\n\nChannel 0: past data,\n\nChannel 1: definitely.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: Of course.\n\nChannel 0: current market conditions, anything could happen in the next month or so.\n\nChannel 1: Yeah.\n\nChannel 0: I do like to have this as a grain of salt, but we do look at past data when we are looking at investments because investments that have seen greater past returns, we essentially it opens you up to the fact that you can receive greater potential returns because of it. So we do have to use past data. We are looking for the best performing funds that we've seen over the past few years to be able to\n\nChannel 1: Yep.\n\nChannel 0: look at how we, you know, maneuver things in the future for you. Okay?\n\nChannel 1: So is that also saying, like, just obviously with a grain of salt again, that ten year\n\nChannel 0: Yeah.\n\nChannel 1: prediction, is that is that saying, like, if you go on the current rate, it could be 348,000. But\n\nChannel 0: Yes. Yep. Correct.\n\nChannel 1: would that 15 or is that if it with the 15%, it would be $3.89. Is that\n\nChannel 0: That's\n\nChannel 1: correct?\n\nChannel 0: correct. Yeah. So with the if you were to get that 15% every year over the next ten years, the recommended portfolio can be projected to get to 389,000.\n\nChannel 1: Yep. And what's\n\nChannel 0: Yeah.\n\nChannel 1: sorry. What what's that 428,000 amount? The it's the one that says no insurance.\n\nChannel 0: Oh, that's down. So this is essentially the idea of a projection table is to show you the difference. So we're not changing any insurances at the moment, but this is showing you because inside super you are paying for your insurances out of your super fund, it does have an ongoing impact. So you can see the first two columns of that table are your current product, your recommended, but then it also shows\n\nChannel 1: Yep.\n\nChannel 0: that if you didn't have any insurances inside super and you were able to get that 15% return, this is where you could end up over the next five to ten years.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah. It's essentially just showing you the impact that insurances has on your super because you're going on claim. You're not sort of and you're off work at the moment. We're not making any changes. We're retaining all your insurances exactly the way they are, but\n\nChannel 1: Yep.\n\nChannel 0: we do have to kind of note and it's in there is a limited scope, so we're not making any changes to the product in any way, shape, or form. But we do know when we are changing the super, there is a long term impact of insurance premiums being paid out of super. So this is to show you that impact on what it could look like. Okay?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: But\n\nChannel 1: just\n\nChannel 0: we'll\n\nChannel 1: up.\n\nChannel 0: keep reviewing yeah. Of course.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Just off the top,\n\nChannel 0: Yeah.\n\nChannel 1: what what would the average superannuation, like, account, like, grow on per year? Because you're saying roughly 15%\n\nChannel 0: Yep.\n\nChannel 1: return. Yeah?\n\nChannel 0: Yep. Yep.\n\nChannel 1: So what would the average just\n\nChannel 0: So\n\nChannel 1: an average\n\nChannel 0: well\n\nChannel 1: super that's not\n\nChannel 0: yeah.\n\nChannel 1: having someone do the specific\n\nChannel 0: No.\n\nChannel 1: investment?\n\nChannel 0: That's a yeah. So what we're sort of looking at when we sort of talk about that is there's no real set\n\nChannel 1: Yes.\n\nChannel 0: set rate of return. What we're sort of looking at is what we're chasing with regard to your risk profile. So because\n\nChannel 1: Yes.\n\nChannel 0: you're in a high growth portfolio, you've got that ninety ten split. You're taking a bit more risk in the market. You're wanting to get greater returns. The expected return you'd want out of this risk profile is about eight to 10%. So if you're able\n\nChannel 1: Yep.\n\nChannel 0: to obtain a 15% return every year,\n\nChannel 1: Yes.\n\nChannel 0: that's exceeding the annual expected return to your risk profile. And if you were in the growth environment, which is where you are at the moment, it's about seven to nine\n\nChannel 1: Yes.\n\nChannel 0: percent. So\n\nChannel 1: Right.\n\nChannel 0: there's no real set return that people generally average out. It's more just depending on what you're invested in. The balance you have also takes into effect. Because if\n\nChannel 1: Yeah.\n\nChannel 0: you look at, say, someone with a 50,000 balance, a 5% return on 50,000 is a much smaller return than, say, a 5% return on someone\n\nChannel 1: Yeah.\n\nChannel 0: with a $500,000 balance. So your balance\n\nChannel 1: Yes.\n\nChannel 0: is also their contributions make a bit of a difference. I know you're probably not getting any at the moment, but that will change once you are able to go back to work and recover. And as your balance increases, smaller changes make a bigger difference for you. So\n\nChannel 1: Yeah. So\n\nChannel 0: yeah.\n\nChannel 1: I was just I was just sort of wondering, like like, how\n\nChannel 0: Yeah.\n\nChannel 1: you guys quizzes actually are doing the investment\n\nChannel 0: Yeah.\n\nChannel 1: and picking the what stocks and whatnot you use actually. Whereas someone just like host or one of them, they just they\n\nChannel 0: Yeah.\n\nChannel 1: just have the stocks. They don't really change. That's what I'm sort of saying. How would this what I'm doing now compared\n\nChannel 0: Yep.\n\nChannel 1: to just having it normally? What do you do you understand what I'm saying? What\n\nChannel 0: Yeah.\n\nChannel 1: I'm trying\n\nChannel 0: I see. You're kinda\n\nChannel 1: yeah.\n\nChannel 0: wanting to compare to what the average,\n\nChannel 1: Yeah.\n\nChannel 0: say, host plus funds may have been able to achieve.\n\nChannel 1: Yeah. Yeah. Because yeah. If I was\n\nChannel 0: Yes.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: do,\n\nChannel 0: okay.\n\nChannel 1: like, the same sort of growth or, like, same\n\nChannel 0: Yep.\n\nChannel 1: what I'm doing now, like, how\n\nChannel 0: Yep.\n\nChannel 1: much better are you, you guys?\n\nChannel 0: Well, if I have a look at what they have disclosed for you\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. Won't be\n\nChannel 1: But\n\nChannel 0: a second.\n\nChannel 1: it's interesting\n\nChannel 0: I'll\n\nChannel 1: to\n\nChannel 0: just\n\nChannel 1: know, like, to such because\n\nChannel 0: yeah.\n\nChannel 1: obviously, you're\n\nChannel 0: Absolutely.\n\nChannel 1: spending money. You wanna know that your money's, you know, like,\n\nChannel 0: Yeah.\n\nChannel 1: being yeah. It's\n\nChannel 0: Absolutely.\n\nChannel 1: it's worthwhile what you're spending.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. So with this one here, now we're working on a three year rolling average. So to work on\n\nChannel 1: Yes.\n\nChannel 0: the same sort of thing, their high growth portfolio has not been around for that long, so they don't have\n\nChannel 1: Yeah.\n\nChannel 0: a three year return. They've only\n\nChannel 1: Okay.\n\nChannel 0: got a one year return, which is 9.81\n\nChannel 1: Yep.\n\nChannel 0: percent. The growth portfolio, which is a eighty twenty split, that's kind of where you're invested at at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Their three year rolling average has averaged about 9.55%.\n\nChannel 1: 9.55. And use\n\nChannel 0: Yeah.\n\nChannel 1: and and what what were what were we again? Sorry.\n\nChannel 0: The three year rolling average for your current portfolio is showing 13.87 and\n\nChannel 1: Yeah.\n\nChannel 0: 15.32 for the newer portfolio with the SMA product.\n\nChannel 1: Yeah. Well, cool. Yeah. That's great.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. So that's essentially the recommendations there. It's really important that I do make you aware of how this would work. So we're not in order to move into the SMA in the back end, we're not changing Hub 24 as such, but we are gonna change the menu to a more cheaper product for you.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: on that\n\nChannel 1: Okay.\n\nChannel 0: fee comparison table in page number 22, on the administration fees, you'll actually see it's about a $180 cheaper. We keep Hub 24 exactly the same.\n\nChannel 1: Yep.\n\nChannel 0: You keep the same account number. Nothing changes there. It's just in the back end we change it to their cheaper product. This is a simple form design, and it actually is cheaper in administration fees, and we estimate about a $180 cheaper for the year for you, so it's actually\n\nChannel 1: Oh, that's\n\nChannel 0: gonna\n\nChannel 1: good.\n\nChannel 0: cost you less. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: With the SMA product, because we are investing in more investment options, it is a little bit more expensive in the way of the investment fees. So it is an extra $177, but that's cheaper than the administration fees that we're saving. So you actually\n\nChannel 1: Yeah.\n\nChannel 0: still save when you weigh up the both of those. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: So I\n\nChannel 0: And you'll\n\nChannel 1: with\n\nChannel 0: see\n\nChannel 1: with\n\nChannel 0: it's\n\nChannel 1: all my\n\nChannel 0: you're\n\nChannel 1: fee\n\nChannel 0: on\n\nChannel 1: all the\n\nChannel 0: yeah.\n\nChannel 1: fees. So basically, roughly $3 for all the fees that I pay per year.\n\nChannel 0: Yeah. Basically, if I sort of wait at them all, because the ongoing service fee, that's for our services, for the advice, and us monitoring everything. That's about 1,924 for the year.\n\nChannel 1: Oh, yes. I\n\nChannel 0: And\n\nChannel 1: see\n\nChannel 0: then you've all yeah. The investment fees if I look at the total cost, the administration fees, investment fees, and any other fees applicable at '27, it's about $3,004 for all\n\nChannel 1: that.\n\nChannel 0: of those.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. For that, sir. Grandpa. Total fees.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. We wanna make sure that, obviously,\n\nChannel 1: Okay.\n\nChannel 0: you're making enough for your super to cover those costs but that you're\n\nChannel 1: That's\n\nChannel 0: also\n\nChannel 1: exactly\n\nChannel 0: making\n\nChannel 1: why.\n\nChannel 0: additional\n\nChannel 1: That's why\n\nChannel 0: growth\n\nChannel 1: I was just\n\nChannel 0: and income\n\nChannel 1: settled.\n\nChannel 0: on top of that. Yeah.\n\nChannel 1: Yeah. Exactly. Because you don't wanna be paying\n\nChannel 0: Absolutely.\n\nChannel 1: $3 if you, you know, you're\n\nChannel 0: No.\n\nChannel 1: still getting the exact same amount of what something else would get without\n\nChannel 0: Yeah. Correct.\n\nChannel 1: anything.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: It's gotta be value. Fees are never a bad thing if you understand what you're paying for and you're getting\n\nChannel 1: Exactly.\n\nChannel 0: the value out of them. Absolutely.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The other thing you'll see there in that fee comparison table is on the top line, you've got a 1,321 figure there, the difference. Now that's essentially the CDT. So for moving\n\nChannel 1: Yes.\n\nChannel 0: everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year.\n\nChannel 1: Yep.\n\nChannel 0: For us moving from the current portfolio into the SMA, we do estimate the tax consequences to be 1,321. Your super funds will do a tax return. They will pay the CGT consequences there. But, essentially,\n\nChannel 1: Yes.\n\nChannel 0: when you look at maneuvering it, saving in admin fees and the greater growth that it has been plus the value of having the SMA and having those investments continue to be altered and changed in a line with market conditions. That 1321 sort of pays for itself in\n\nChannel 1: Yes.\n\nChannel 0: the long run. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Perfect. That's essentially that table. Looking at that there, do you have any questions around the recommendation, the fee table, or anything that I have just gone through for you?\n\nChannel 1: No. Not really. Like I said, I was just more like a comparison, just making sure that it's everything you are paying for what you get, value for\n\nChannel 0: Yeah.\n\nChannel 1: money,\n\nChannel 0: Absolutely.\n\nChannel 1: so I can.\n\nChannel 0: Absolutely. Perfect. Now I have also included the effect planning side of things in here for you. So if you scroll down to page number 24, having a bit of a look now, we don't have a beneficiary nomination applied to your super. So when we spoke, we talked about how you wanted that to be nominated, and you want it to be made to your spouse.\n\nSo I am recommending that we do update your beneficiary nomination to make sure it's applied and that\n\nChannel 1: Yes.\n\nChannel 0: we do make it a 100 to your spouse. I'm nominating it as a binding, non lapsing nomination. That means that you're binding the trustee to follow your directions. So if in the event you were to pass away, your super is paid directly out to your beneficiary.\n\nChannel 1: Yep.\n\nChannel 0: And nonlapsing means you only have to fill the form out once, and then you don't have to fill it out again. It doesn't have to be updated unless you wanna change that nomination. Okay?\n\nChannel 1: Yep. Yep. So\n\nChannel 0: And\n\nChannel 1: when\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: also\n\nChannel 1: actually\n\nChannel 0: did\n\nChannel 1: get\n\nChannel 0: talk\n\nChannel 1: a beneficiary, like well, obviously, I wanna get my wife and my son put on to my beneficiaries, so\n\nChannel 0: Yeah.\n\nChannel 1: I need to get that done. Yeah.\n\nChannel 0: Yeah. So we will fill the beneficiary out for you. Having a look now, your just having a look because your son's a minor at the moment, isn't he? Yeah.\n\nChannel 1: He turns 18 in in September. Yeah.\n\nChannel 0: So the easiest way and the best way to nominate your beneficiary is a 100% to your spouse as what I've recommended here because she actually receives it a 100% tax free. If you\n\nChannel 1: Okay.\n\nChannel 0: nominate part of your beneficiary to your child and they are no longer a tax dependent, so generally over 18 or 21 depending on their circumstances, they actually pay 17% tax on the taxable component there.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So it's much better to have it paid to your wife and then have her distribute some funds to him to help.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Yeah. Because she\n\nChannel 1: Yep.\n\nChannel 0: gets no tax rate, so she gets a greater benefit out of it.\n\nChannel 1: Yeah.\n\nChannel 0: Does\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: I'm just that makes total sense. Yep.\n\nChannel 0: Yeah. Yeah. In saying all of that, we actually just don't wanna have to claim. Why don't we want you to get through\n\nChannel 1: No.\n\nChannel 0: your time and then enjoy your money?\n\nChannel 1: Yes. Exactly right. So yeah.\n\nChannel 0: I'm all\n\nChannel 1: Just to\n\nChannel 0: you're\n\nChannel 1: get\n\nChannel 0: right.\n\nChannel 1: her as the beneficiary, I need to fill that form out. You can't do it online or nothing, can\n\nChannel 0: No. But we can we\n\nChannel 1: you?\n\nChannel 0: can help you out, and we can prefill the form for\n\nChannel 1: Needs\n\nChannel 0: you if you like and send it out. So it's mostly prefilled,\n\nChannel 1: to\n\nChannel 0: and then you decide to sign it,\n\nChannel 1: be\n\nChannel 0: check the details, and have it witnessed.\n\nChannel 1: witness. Yeah. I might yeah. I might do that. Can anyone witness\n\nChannel 0: Yeah.\n\nChannel 1: it or the the can it be a family member or not?\n\nChannel 0: It\n\nChannel 1: Can't\n\nChannel 0: can\n\nChannel 1: be\n\nChannel 0: be\n\nChannel 1: a friend.\n\nChannel 0: anyone. It just can't be the person you're nominating is event history. So if you got a neighbor or any adult over 18 years of age, they just need to\n\nChannel 1: Yeah.\n\nChannel 0: witness you signing it, and they sign and date it at the same time.\n\nChannel 1: Oh, okay. So my sister couldn't\n\nChannel 0: Yep.\n\nChannel 1: do that. Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Definitely. Now did you want me to prefill those details for\n\nChannel 1: Oh,\n\nChannel 0: you on the\n\nChannel 1: that's\n\nChannel 0: beneficiary nomination?\n\nChannel 1: that would be amazing if you could do that.\n\nChannel 0: Not an issue at all. Now I do have on that page 24 that I've got your wife's name. Can you just double check that has been spelled correctly, and I can update it if it's not? I'm so sorry.\n\nChannel 1: On what what page? Sorry.\n\nChannel 0: Page number 24, and you'll see under the heading nominee.\n\nChannel 1: Alright. 23. Nominate.\n\nChannel 0: Yes. There's a little table. You've got four, five columns there. Nominate the second last column, and it's got spouse with miss Shelly Da Silva.\n\nChannel 1: I'm just trying to see that. On page\n\nChannel 0: Oh, sorry. Is it 24 did I say 23? I'm so sorry. 24.\n\nChannel 1: page 24.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: It says\n\nChannel 1: online, page 24 is a table, the lump sum table.\n\nChannel 0: Oh, maybe 25 on your document, and maybe made the first page number\n\nChannel 1: Name,\n\nChannel 0: one. So the\n\nChannel 1: hub\n\nChannel 0: heading\n\nChannel 1: 20\n\nChannel 0: on this one is your beneficiary nomination.\n\nChannel 1: beneficiary nomination.\n\nChannel 0: Yeah.\n\nChannel 1: I didn't actually see that.\n\nChannel 0: That's okay.\n\nChannel 1: Oh,\n\nChannel 0: Can\n\nChannel 1: yeah.\n\nChannel 0: you just\n\nChannel 1: There it is. Yep.\n\nChannel 0: you've got it there. Beautiful. Have I spelled have we spelled her name correctly there? Is that how you spell Michelle's name?\n\nChannel 1: Yeah. But after\n\nChannel 0: Yep.\n\nChannel 1: Dasilva, she has a she has a last name too because it's a\n\nChannel 0: Okay.\n\nChannel 1: joint last\n\nChannel 0: Not a problem. What's her joint last name under the Silva?\n\nChannel 1: name. So it's exactly the same, Michelle e Da Silva, and then the last name is Pimentel, p I m\n\nChannel 0: Yep.\n\nChannel 1: e n t e l.\n\nChannel 0: Beautiful.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: that\n\nChannel 0: what's her date of sorry.\n\nChannel 1: yep. So it went p I m, m for Mary,\n\nChannel 0: Yep.\n\nChannel 1: e, n for Nelly.\n\nChannel 0: Yep. And then t for tango, e, l l.\n\nChannel 1: E l. Just one l.\n\nChannel 0: E l. Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I've got that then. Not a problem. We can proof for that for you. What's her date of birth?\n\nChannel 1: '82.\n\nChannel 0: Yep. 9082. Fantastic. And and all at the same address as yourself, I can use the new address, which is absolutely fine there for you. And\n\nChannel 1: Yeah.\n\nChannel 0: are you happy for it to be a 100% to have?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Yep. Beautiful. And are you happy with the binding non lapsing so we\n\nChannel 1: Yep.\n\nChannel 0: don't have\n\nChannel 1: Yep.\n\nChannel 0: to keep filling this form out?\n\nChannel 1: Yep. Yeah. Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: The only thing is, like, we when will you send that? Because we're not in there for another week.\n\nChannel 0: No. That's\n\nChannel 1: So\n\nChannel 0: okay. We can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then.\n\nChannel 1: Yeah. Just hold just do that. Yeah. Just hold it off, and then we'll get that\n\nChannel 0: Yep.\n\nChannel 1: sorted.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Not a problem at all. We'll hold off until Monday and post it out then. Not a problem. It\n\nChannel 1: Yep.\n\nChannel 0: also comes from Australia Post, so the snail mail could take weeks.\n\nChannel 1: Yeah. Yep. Yep. Cool.\n\nChannel 0: Beautiful. The last couple of pages here are that we're also recommending that you guys do talk about a will. Obviously, you are purchasing a new home. There's a lot of things that are occurring. So seeing a solicitor and having a will updated is really important for the two of you.\n\nWe can always send an email with some referral information on the solicitor that local to the Gold Coast here. Or\n\nChannel 1: Yes.\n\nChannel 0: if you've got a local one that you're comfortable seeing, it is it's really important to have a will in place and also power of attorneys to make sure that in the event that something was to happen, that you've got that power of attorney so someone can make medical and or financial decisions on your behalf for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. Excellent. There's that's basically all of the advice there. Now it's really important I make you aware that there's there's no upfront or implementations to this. Our advice is all part of you being an ongoing service client, and you pay the ongoing service fee, which is 1.65% per annum.\n\nChannel 1: Yes.\n\nChannel 0: We do get paid remuneration by the insurance company that you you hold insurances with the sender, so we do receive ongoing remuneration for them. However, the ongoing remuneration paid by the insurance company has no effect on on our recommendations. We provide advice in best interest. So all of our advice is about making sure that we're here to help you meet your goals and that the advice is provided under our best interest, Judy. Okay.\n\nChannel 1: Yep. Yep. There was one last thing that I\n\nChannel 0: Absolutely.\n\nChannel 1: just wanted to ask.\n\nChannel 0: Sure.\n\nChannel 1: Because I'm actually taking out of the claim through Ascender for\n\nChannel 0: Yep.\n\nChannel 1: and I think I just got that last call. I don't even think I had it. What's it called? Income protection.\n\nChannel 0: Right.\n\nChannel 1: So I was just wondering, would you know how much I actually paid for that? Because someone asked me, and I was like, oh, Jesus. I wouldn't actually\n\nChannel 0: Yeah.\n\nChannel 1: have a clue how much I actually pay for that for that\n\nChannel 0: Yeah.\n\nChannel 1: insurance.\n\nChannel 0: Absolutely. So the insurance premium at the moment is the 2,511. I'm just double checking because on that projection table has your insurance premium in it. Sorry. I just lost my page.\n\nSo $2,135 is how much you paid for the this year's premium.\n\nChannel 1: Okay. Okay. 2,130\n\nChannel 0: Yep.\n\nChannel 1: 5. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That was lucky.\n\nChannel 0: Perfect.\n\nChannel 1: And I don't think I had that originally, did I? I think I'd only just taken that out. Is that correct? Or\n\nChannel 0: Yeah. I can let you know how long you've had that for.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Just\n\nChannel 0: that\n\nChannel 1: because someone asked\n\nChannel 0: policy\n\nChannel 1: me and I was like, oh, I don't even actually know. So when I did look yeah. When I injured myself and they said, oh, how much did you pay for that? Because I I actually didn't even realize I actually had that.\n\nChannel 0: yeah. Oh, wow. It's\n\nChannel 1: Yeah.\n\nChannel 0: a good thing that you let us know because,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, absolutely, you wouldn't not wanna be getting on that claim.\n\nChannel 1: Yeah.\n\nChannel 0: So the certificate of currency here shows that the policy was applied for and put in force in February 2024. So you've had that for now\n\nChannel 1: Yep.\n\nChannel 0: two years.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Yep. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Very lucky.\n\nChannel 0: But now,\n\nChannel 1: Very\n\nChannel 0: look,\n\nChannel 1: lucky.\n\nChannel 0: if you are talking to anyone and they wanna look at personal insurances like life, TBD, income protection, because\n\nChannel 1: Yep.\n\nChannel 0: the insurance company is like a center that you've got your insurances through, we, as advisers, do get really good rates for things like that. So if\n\nChannel 1: Yep.\n\nChannel 0: there's anyone\n\nChannel 1: Okay.\n\nChannel 0: who wants to look at insurances, please feel free to give them my information. I'm happy to have a chat and talk to them about what\n\nChannel 1: Yeah.\n\nChannel 0: they're\n\nChannel 1: Definitely.\n\nChannel 0: after. We\n\nChannel 1: Yep.\n\nChannel 0: can provide advice on what they do. Only advice we provide is just a recommendation.\n\nChannel 1: Yeah.\n\nChannel 0: At the end of the day, it's up to you guys whether you take those recommendations at all. And even if they just want, you know, some genuine information, we can always help with that as well. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Happy to chat to anyone that, you know, might be interested in that kind of advice. Yeah.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Beautiful. All good. Well, as the inside the document there, when you've got some time later and you wanna have a bit of a read through it, I've got all the advantages, disadvantages, the risks involved, any alternatives that I've considered as well. We've also got an appendices attached there. So at the bottom of the email, you'll see those little attachments\n\nChannel 1: Yep.\n\nChannel 0: there.\n\nChannel 1: Yeah. So then.\n\nChannel 0: The append\n\nChannel 1: Yep.\n\nChannel 0: the appendices essentially runs you through any additional rec any additional areas that we research. So we did look at\n\nChannel 1: Yep.\n\nChannel 0: retaining your portfolio and just making a switch to say what was called our LA, the low alpha portfolio. The essentially, the the CGT consequences were cheaper by maneuvering into that portfolio, but it meant that we wouldn't be in the SMA, that you wouldn't get that underlying those underlining changes and things like that.\n\nChannel 1: Yes.\n\nChannel 0: So I've still recommended the estimate because that was more in line with your goals last time we spoke.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Cool. Perfect.\n\nChannel 0: yeah. All good. I've also attached there the updated financial services guide, which has a lovely picture of me and all my information in it for you as well as all the other\n\nChannel 1: Yep.\n\nChannel 0: services you're entitled to. And\n\nChannel 1: Yeah.\n\nChannel 0: I know you're also speaking with my colleague, Hayden, and our head of advisers helping you with the claims process there. So we'll\n\nChannel 1: Yeah.\n\nChannel 0: make sure\n\nChannel 1: That's\n\nChannel 0: we\n\nChannel 1: right.\n\nChannel 0: keep in touch with you. Okay?\n\nChannel 1: Yeah. Perfect. Great.\n\nChannel 0: Beautiful. Feel free to take a reach for the document. If there's any questions, Andrew, it doesn't matter what it is, you let me know. I'm more than happy to answer any questions you have in relation to it. And once\n\nChannel 1: Yep.\n\nChannel 0: you've gone through the advice document, if you're happy to take those recommendations, I'll just get you to sign and return that back for us. Okay?\n\nChannel 1: Yep. No worries. I'll do that. I'll have a look\n\nChannel 0: Oh,\n\nChannel 1: and\n\nChannel 0: good. Beautiful.\n\nChannel 1: get that done. Now I've\n\nChannel 0: Thank\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: plenty of time\n\nChannel 0: so\n\nChannel 1: on\n\nChannel 0: much.\n\nChannel 1: my hands.\n\nChannel 0: Yeah. Well, hopefully, everything goes well with the move\n\nChannel 1: Yeah.\n\nChannel 0: next week and rest up, and we hope for a very speedy recovery for you.\n\nChannel 1: Beautiful. Thank thanks for the call. Appreciate it.\n\nChannel 0: My pleasure. Thank you for your time today. I'll talk to you soon.\n\nChannel 1: Talk soon. Thank you.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Your call has been forwarded to voice.","start":0.08,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.00649171056491988},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.0290091335773468}],"sentiment":"neutral","sentiment_score":-0.0020541050471365456,"channel":1,"num_words":8,"start":0.08,"end":3.6999998},{"sentences":[{"text":"Hi, Andrew.","start":4.56,"end":5.2,"sentiment":"neutral","sentiment_score":0.13130655512213707},{"text":"This is Dana from Ovu Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.19109223783016205},{"text":"How are you today?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.21466930955648422}],"sentiment":"neutral","sentiment_score":0.1889869812875986,"channel":0,"num_words":12,"start":4.56,"end":7.8599997},{"sentences":[{"text":"Good.","start":8.0,"end":8.32,"sentiment":"positive","sentiment_score":0.44025588035583496},{"text":"Thanks.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.4935570955276489},{"text":"How are you?","start":8.639999,"end":9.38,"sentiment":"neutral","sentiment_score":0.2913503547509511}],"sentiment":"positive","sentiment_score":0.36157280802726743,"channel":1,"num_words":5,"start":8.0,"end":9.38},{"sentences":[{"text":"I'm very well.","start":9.599999,"end":10.48,"sentiment":"positive","sentiment_score":0.5397465626398722},{"text":"Thank you.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.616839587688446},{"text":"I had you booked in just to go through your updated advice document.","start":10.88,"end":13.679999,"sentiment":"neutral","sentiment_score":0.2794828988038577},{"text":"Is now still a good time there for you?","start":13.679999,"end":15.78,"sentiment":"neutral","sentiment_score":0.19047483636273277}],"sentiment":"neutral","sentiment_score":0.30372111388930567,"channel":0,"num_words":27,"start":9.599999,"end":15.78},{"sentences":[{"text":"Yeah.","start":15.805,"end":16.125,"sentiment":"neutral","sentiment_score":0.10606655478477478},{"text":"That's fine.","start":16.125,"end":16.865,"sentiment":"neutral","sentiment_score":0.15939752757549286}],"sentiment":"neutral","sentiment_score":0.1416205366452535,"channel":1,"num_words":3,"start":15.805,"end":16.865},{"sentences":[{"text":"Yep.","start":17.235,"end":17.715,"sentiment":"neutral","sentiment_score":0.2193807065486908},{"text":"Fantastic.","start":17.715,"end":18.215,"sentiment":"positive","sentiment_score":0.4533793330192566},{"text":"I believe you're off work at the moment.","start":18.355,"end":20.355,"sentiment":"neutral","sentiment_score":-0.06606819992884994},{"text":"Is how's everything been going for you?","start":20.355,"end":22.375,"sentiment":"neutral","sentiment_score":0.016740459948778152}],"sentiment":"neutral","sentiment_score":0.015376332928152645,"channel":0,"num_words":17,"start":17.235,"end":22.375},{"sentences":[{"text":"Yeah.","start":22.605,"end":22.925,"sentiment":"neutral","sentiment_score":-0.15742041170597076},{"text":"I'm not the best.","start":22.925,"end":23.965,"sentiment":"negative","sentiment_score":-0.35426225513219833},{"text":"I've told my Achilles, so","start":23.965,"end":25.665,"sentiment":"neutral","sentiment_score":-0.22095691859722139}],"sentiment":"neutral","sentiment_score":-0.2679254025220871,"channel":1,"num_words":10,"start":22.605,"end":25.665},{"sentences":[{"text":"Oh,","start":25.314999,"end":25.814999,"sentiment":"neutral","sentiment_score":-0.1291375607252121}],"sentiment":"neutral","sentiment_score":-0.1291375607252121,"channel":0,"num_words":1,"start":25.314999,"end":25.814999},{"sentences":[{"text":"yeah.","start":26.205,"end":26.605,"sentiment":"neutral","sentiment_score":-0.12463852018117905}],"sentiment":"neutral","sentiment_score":-0.12463852018117905,"channel":1,"num_words":1,"start":26.205,"end":26.605},{"sentences":[{"text":"I'm","start":26.435,"end":26.675,"sentiment":"neutral","sentiment_score":-0.16002719104290009}],"sentiment":"neutral","sentiment_score":-0.16002719104290009,"channel":0,"num_words":1,"start":26.435,"end":26.675},{"sentences":[{"text":"Not","start":26.605,"end":26.845001,"sentiment":"neutral","sentiment_score":-0.22633610665798187}],"sentiment":"neutral","sentiment_score":-0.22633610665798187,"channel":1,"num_words":1,"start":26.605,"end":26.845001},{"sentences":[{"text":"so","start":26.675,"end":27.075,"sentiment":"neutral","sentiment_score":-0.23707489669322968}],"sentiment":"neutral","sentiment_score":-0.23707489669322968,"channel":0,"num_words":1,"start":26.675,"end":27.075},{"sentences":[{"text":"much.","start":26.845001,"end":27.345001,"sentiment":"neutral","sentiment_score":-0.2454111874103546}],"sentiment":"neutral","sentiment_score":-0.2454111874103546,"channel":1,"num_words":1,"start":26.845001,"end":27.345001},{"sentences":[{"text":"sorry.","start":27.075,"end":27.575,"sentiment":"neutral","sentiment_score":-0.20581980049610135}],"sentiment":"neutral","sentiment_score":-0.20581980049610135,"channel":0,"num_words":1,"start":27.075,"end":27.575},{"sentences":[{"text":"Got a long recovery ahead of me.","start":27.485,"end":29.585,"sentiment":"neutral","sentiment_score":-0.17251165211200714}],"sentiment":"neutral","sentiment_score":-0.17251165211200714,"channel":1,"num_words":7,"start":27.485,"end":29.585},{"sentences":[{"text":"Oh, wow.","start":30.130001,"end":31.19,"sentiment":"neutral","sentiment_score":-0.05171910487115383},{"text":"Wow.","start":31.650002,"end":32.15,"sentiment":"neutral","sentiment_score":-0.044969573616981506},{"text":"How how long are they sort of saying for recovery at this point?","start":32.37,"end":35.670002,"sentiment":"neutral","sentiment_score":-0.05434592727285165}],"sentiment":"neutral","sentiment_score":-0.05343155236914754,"channel":0,"num_words":16,"start":30.130001,"end":35.670002},{"sentences":[{"text":"Well, full recovery.","start":36.26,"end":37.38,"sentiment":"neutral","sentiment_score":0.016434165338675182},{"text":"You should like it's a nine to twelve months full recovery.","start":37.38,"end":40.12,"sentiment":"neutral","sentiment_score":0.011845087632536888}],"sentiment":"neutral","sentiment_score":0.012828461426709379,"channel":1,"num_words":14,"start":36.26,"end":40.12},{"sentences":[{"text":"Yeah.","start":40.21,"end":40.71,"sentiment":"neutral","sentiment_score":-0.018454240635037426},{"text":"Yeah.","start":40.85,"end":41.17,"sentiment":"neutral","sentiment_score":-0.023612698540091515},{"text":"Wow.","start":41.17,"end":41.67,"sentiment":"neutral","sentiment_score":-0.03868399560451507}],"sentiment":"neutral","sentiment_score":-0.026916978259881336,"channel":0,"num_words":3,"start":40.21,"end":41.67},{"sentences":[{"text":"But I'm not sure yet how long I'll be off work for.","start":42.02,"end":45.22,"sentiment":"neutral","sentiment_score":-0.10617468071480592},{"text":"So","start":45.22,"end":45.72,"sentiment":"neutral","sentiment_score":-0.06903977692127228}],"sentiment":"neutral","sentiment_score":-0.10331814965376487,"channel":1,"num_words":13,"start":42.02,"end":45.72},{"sentences":[{"text":"Yeah.","start":45.925,"end":46.425,"sentiment":"neutral","sentiment_score":-0.05027703568339348},{"text":"No.","start":46.565,"end":46.885,"sentiment":"neutral","sentiment_score":-0.07941378653049469},{"text":"Completely understandable.","start":46.885,"end":48.105,"sentiment":"neutral","sentiment_score":-0.059897152706980705},{"text":"I know when you spoke to my colleague, Maddie, and said they booked you in to have the advice updated, the advice I am providing today doesn't affect any income protection claims or anything on there.","start":48.725,"end":57.62,"sentiment":"neutral","sentiment_score":0.025446837147076923},{"text":"It's 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are","start":350.745,"end":352.89,"sentiment":"positive","sentiment_score":0.4610641615258323}],"sentiment":"neutral","sentiment_score":0.25968680687640844,"channel":0,"num_words":38,"start":342.425,"end":352.89},{"sentences":[{"text":"Yep.","start":352.735,"end":353.235,"sentiment":"neutral","sentiment_score":0.18368065357208252}],"sentiment":"neutral","sentiment_score":0.18368065357208252,"channel":1,"num_words":1,"start":352.735,"end":353.235},{"sentences":[{"text":"gonna switch you out of the current investments and move you into the separately managed account there.","start":352.89,"end":357.47,"sentiment":"neutral","sentiment_score":0.04292805251829764},{"text":"One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming.","start":357.77002,"end":361.79,"sentiment":"neutral","sentiment_score":0.06216989153702008},{"text":"But having that separately managed account means that at times of high volatility, which is what we're kinda seeing 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of cooperation with BlackRock, our investment committee can be making changes to your super to the underlying investments to remove","start":386.19,"end":393.09,"sentiment":"neutral","sentiment_score":-0.009435450569504783}],"sentiment":"neutral","sentiment_score":-0.009435450569504783,"channel":0,"num_words":21,"start":386.19,"end":393.09},{"sentences":[{"text":"Yes.","start":399.23,"end":399.73,"sentiment":"neutral","sentiment_score":0.03710270673036575},{"text":"Yep.","start":407.695,"end":408.095,"sentiment":"neutral","sentiment_score":0.1514444649219513},{"text":"That sounds good.","start":408.095,"end":409.075,"sentiment":"positive","sentiment_score":0.3825729290644328}],"sentiment":"neutral","sentiment_score":0.2672531917691231,"channel":1,"num_words":5,"start":399.23,"end":409.075},{"sentences":[{"text":"yeah, so with this here, you'll see we're essentially selling all of the battery lithium tech that then along the bank hybrids there will be 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time","start":2110.515,"end":2111.155,"sentiment":"positive","sentiment_score":0.35400258501370746}],"sentiment":"positive","sentiment_score":0.35400258501370746,"channel":1,"num_words":3,"start":2110.515,"end":2111.155},{"sentences":[{"text":"so","start":2110.935,"end":2111.175,"sentiment":"neutral","sentiment_score":0.19399550557136536}],"sentiment":"neutral","sentiment_score":0.19399550557136536,"channel":0,"num_words":1,"start":2110.935,"end":2111.175},{"sentences":[{"text":"on","start":2111.155,"end":2111.315,"sentiment":"neutral","sentiment_score":0.2962954044342041}],"sentiment":"neutral","sentiment_score":0.2962954044342041,"channel":1,"num_words":1,"start":2111.155,"end":2111.315},{"sentences":[{"text":"much.","start":2111.175,"end":2111.675,"sentiment":"neutral","sentiment_score":0.2551232874393463}],"sentiment":"neutral","sentiment_score":0.2551232874393463,"channel":0,"num_words":1,"start":2111.175,"end":2111.675},{"sentences":[{"text":"my hands.","start":2111.315,"end":2111.9749,"sentiment":"neutral","sentiment_score":0.12644942477345467}],"sentiment":"neutral","sentiment_score":0.12644942477345467,"channel":1,"num_words":2,"start":2111.315,"end":2111.9749},{"sentences":[{"text":"Yeah.","start":2112.215,"end":2112.615,"sentiment":"neutral","sentiment_score":0.16135837137699127},{"text":"Well, hopefully, everything goes well with the move","start":2112.615,"end":2115.0151,"sentiment":"positive","sentiment_score":0.46187223121523857}],"sentiment":"positive","sentiment_score":0.4284818023443222,"channel":0,"num_words":9,"start":2112.215,"end":2115.0151},{"sentences":[{"text":"Yeah.","start":2114.675,"end":2115.175,"sentiment":"neutral","sentiment_score":0.15856333076953888}],"sentiment":"neutral","sentiment_score":0.15856333076953888,"channel":1,"num_words":1,"start":2114.675,"end":2115.175},{"sentences":[{"text":"next week and rest up, and we hope for a very speedy recovery for you.","start":2115.0151,"end":2119.835,"sentiment":"positive","sentiment_score":0.46357818047205607}],"sentiment":"positive","sentiment_score":0.46357818047205607,"channel":0,"num_words":15,"start":2115.0151,"end":2119.835},{"sentences":[{"text":"Beautiful.","start":2119.8198,"end":2120.3198,"sentiment":"positive","sentiment_score":0.8047109842300415},{"text":"Thank thanks for the call.","start":2120.6199,"end":2121.74,"sentiment":"positive","sentiment_score":0.8361238241195679},{"text":"Appreciate it.","start":2121.74,"end":2122.72,"sentiment":"positive","sentiment_score":0.8129481077194214}],"sentiment":"positive","sentiment_score":0.8264032900333405,"channel":1,"num_words":8,"start":2119.8198,"end":2122.72},{"sentences":[{"text":"My pleasure.","start":2123.02,"end":2123.58,"sentiment":"positive","sentiment_score":0.7921013534069061},{"text":"Thank you for your time today.","start":2123.58,"end":2124.7,"sentiment":"positive","sentiment_score":0.7833294967810313},{"text":"I'll talk to you soon.","start":2124.7,"end":2125.92,"sentiment":"positive","sentiment_score":0.43626991510391233}],"sentiment":"positive","sentiment_score":0.6511945586938125,"channel":0,"num_words":13,"start":2123.02,"end":2125.92},{"sentences":[{"text":"Talk soon.","start":2126.22,"end":2126.78,"sentiment":"neutral","sentiment_score":0.2816125303506851},{"text":"Thank you.","start":2126.78,"end":2127.3398,"sentiment":"positive","sentiment_score":0.6126798391342163}],"sentiment":"positive","sentiment_score":0.4471461847424507,"channel":1,"num_words":4,"start":2126.22,"end":2127.3398},{"sentences":[{"text":"Thanks.","start":2127.26,"end":2127.74,"sentiment":"positive","sentiment_score":0.550788164138794}],"sentiment":"positive","sentiment_score":0.550788164138794,"channel":0,"num_words":1,"start":2127.26,"end":2127.74},{"sentences":[{"text":"Bye.","start":2127.3398,"end":2127.8398,"sentiment":"positive","sentiment_score":0.3859514594078064}],"sentiment":"positive","sentiment_score":0.3859514594078064,"channel":1,"num_words":1,"start":2127.3398,"end":2127.8398},{"sentences":[{"text":"See you later.","start":2127.74,"end":2128.38,"sentiment":"positive","sentiment_score":0.3804382582505544},{"text":"Bye.","start":2128.38,"end":2128.88,"sentiment":"neutral","sentiment_score":-0.11174443364143372}],"sentiment":"neutral","sentiment_score":0.2573925852775574,"channel":0,"num_words":4,"start":2127.74,"end":2128.88}]},"summary":{"result":"success","short":"During a call with a representative from Ovu Financial, the speaker updates the customer's investment portfolio and provides instructions on accessing their email. They also discuss the retirement of the customer's investment account and the benefits of moving into the super account. The speaker emphasizes the importance of reviewing the investment portfolio and making changes to the risk profile if the customer is no longer comfortable in the high growth environment. They also recommend reducing risk levels and reducing risk levels for the customer's investment portfolio. The speaker emphasizes the importance of updating the beneficiary nomination and filing a form to prove the beneficiary's name and date of birth. The insurance company pays ongoing payments and the monthly premium is 2,135, but the insurance premium is 2,130. The speaker recommends the insurance company's LA low alpha portfolio and provides a financial services guide."},"intents":{"segments":[{"text":"Are you happy for me to proceed with that? Yep. Sure. Yep. Beautiful. And just for the security there with you as well, I'm sending the document out for you to have a look at, but I also just need to confirm your full name, your date of birth, and address I should have on file.","start_word":230,"end_word":285,"intents":[{"intent":"Confirm call intent","confidence_score":0.000035664856}]},{"text":"Settlements on Monday, so we move in over, like, this weekend this next weekend coming. So That's incredible.","start_word":384,"end_word":401,"intents":[{"intent":"Give move-in date","confidence_score":0.000009825398}]},{"text":"will be the address there, and I can update your file for you? 51 Slash 60 Yep.","start_word":415,"end_word":431,"intents":[{"intent":"Update address","confidence_score":0.39651248}]},{"text":"Well, congratulations on that as Thank much as you.","start_word":458,"end_word":466,"intents":[{"intent":"Express gratitude for move","confidence_score":0.0007344752}]},{"text":"Do you have many other people helping you with the moving Yeah.","start_word":508,"end_word":519,"intents":[{"intent":"Offer assistance with moving","confidence_score":0.0039406223}]},{"text":"document that I'm looking at?","start_word":606,"end_word":610,"intents":[{"intent":"Inquire about documents","confidence_score":0.004326942}]},{"text":"Now to make this a bit easier for you, if you can scroll, sorry, directly down to page number if we go into page number nineteen and twenty. Nineteen and twenty.","start_word":786,"end_word":816,"intents":[{"intent":"Navigate document information","confidence_score":0.0000523816}]},{"text":"One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming.","start_word":1113,"end_word":1131,"intents":[{"intent":"Eliminate risks","confidence_score":8.163548e-7}]},{"text":"So what's essentially gonna happen is we're gonna in CC transfer as many assets as we can into the SMA.","start_word":1368,"end_word":1387,"intents":[{"intent":"Transfer assets","confidence_score":0.007134997}]},{"text":"when we kind of look at things, you're in that high growth environment, which normally sees that 90% growth asset. And to make it easier, if you scroll down to the next page for me, you'll see the asset allocation of how that risk profile should out should be set out. So you'll Yeah.","start_word":1434,"end_word":1487,"intents":[{"intent":"Set out risk profile","confidence_score":0.13644242}]},{"text":"The benefit to, yeah, the benefit to this product is that while you lose a bit of visibility there, as I kinda mentioned, by not having all the visibility of the underlying investments, it gives us greater control to make those changes for you to make sure things are always moving and that they're always changing in relation to market conditions.","start_word":1645,"end_word":1705,"intents":[{"intent":"Create changes","confidence_score":0.004895156}]},{"text":"So you're investing correctly, and we can rebalance things as well to make it easier for you. Yep.","start_word":1706,"end_word":1723,"intents":[{"intent":"Rebalance investments","confidence_score":0.046522643}]},{"text":"But since renewed calls of the ceasefire and the talks and things like that have been back in play, we do find that investors are a little bit more confident in the market. And we have Yes.","start_word":2051,"end_word":2087,"intents":[{"intent":"Discuss investor confidence","confidence_score":0.00017928495}]},{"text":"As much as the war and the is the big thing that's sort of happening between The US and Iran, it's kind of the big focus at the moment. We also do have higher inflation within Australia as well. So that has been affecting the fixed interest in the bond markets a little bit. Yeah.","start_word":2182,"end_word":2236,"intents":[{"intent":"Analyze market impact","confidence_score":0.00074546534}]},{"text":"So it's really important to note that whenever we're making recommendations, we do look at the fees and the structure and how that's gonna affect you and your super funds.","start_word":2440,"end_word":2469,"intents":[{"intent":"Recommend portfolio recommendations","confidence_score":0.009319911},{"intent":"Discuss fees and structure","confidence_score":0.03911631}]},{"text":"It gives you a bit of a projected outcome there. In saying that Okay.","start_word":2583,"end_word":2596,"intents":[{"intent":"Explain projected outcome","confidence_score":0.0012568373}]},{"text":"we are seeing a lot of volatility at the moment, so I don't think you you know, I know for a fact you're not gonna get 15% every year. But, No.","start_word":2597,"end_word":2627,"intents":[{"intent":"Explain portfolio volatility","confidence_score":0.00674215}]},{"text":"We are looking for the best performing funds that we've seen over the past few years to be able to Yep. look at how we, you know, maneuver things in the future for you. Okay?","start_word":2822,"end_word":2856,"intents":[{"intent":"Evaluate fund performance","confidence_score":0.3170783}]},{"text":"So this is to show you that impact on what it could look like. Okay?","start_word":3176,"end_word":3190,"intents":[{"intent":"Show impact","confidence_score":0.16299964}]},{"text":"keep reviewing yeah. Of course. Yeah.","start_word":3199,"end_word":3204,"intents":[{"intent":"Review","confidence_score":0.37828463}]},{"text":"What we're sort of looking at is what we're chasing with regard to your risk profile. So because Yes.","start_word":3282,"end_word":3300,"intents":[{"intent":"Track","confidence_score":0.02202248},{"intent":"Target","confidence_score":0.061808124},{"intent":"Target","confidence_score":0.073288634}]},{"text":"I know you're probably not getting any at the moment, but that will change once you are able to go back to work and recover. And as your balance increases, smaller changes make a bigger difference for you. So Yeah.","start_word":3466,"end_word":3505,"intents":[{"intent":"Recover","confidence_score":0.04441281}]},{"text":"How would this what I'm doing now compared Yep. to just having it normally? What do you do you understand what I'm saying? What Yeah. I'm trying I see. You're kinda yeah. wanting to compare to what the average, Yeah. say, host plus funds may have been able to achieve. Yeah.","start_word":3567,"end_word":3617,"intents":[{"intent":"Compare portfolio performance","confidence_score":0.15150437}]},{"text":"This is a simple form design, and it actually is cheaper in administration fees, and we estimate about a $180 cheaper for the year for you, so it's actually Oh, that's gonna good. cost you less. Yeah.","start_word":3952,"end_word":3988,"intents":[{"intent":"Simplify pricing","confidence_score":0.0006037793}]},{"text":"you're making enough for your super to cover those costs but that you're That's also exactly making why. additional That's why growth I was just and income settled. on top of that. Yeah. Yeah. Exactly. Because you don't wanna be paying Absolutely. $3 if you, you know, you're No. still getting the exact same amount of what something else would get without Yeah.","start_word":4175,"end_word":4237,"intents":[{"intent":"Inquire about cost savings","confidence_score":0.0033148467}]},{"text":"The other thing you'll see there in that fee comparison table is on the top line, you've got a 1,321 figure there, the difference. Now that's essentially the CDT. So for moving Yes. everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year. Yep.","start_word":4270,"end_word":4338,"intents":[{"intent":"Provide tax information","confidence_score":0.0009454005},{"intent":"Offer cdt estimate","confidence_score":0.00010164829}]},{"text":"everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year. Yep.","start_word":4303,"end_word":4338,"intents":[{"intent":"Provide tax return","confidence_score":0.0135194855},{"intent":"Inquire about funds","confidence_score":0.00018962339}]},{"text":"Now I have also included the effect planning side of things in here for you.","start_word":4499,"end_word":4513,"intents":[{"intent":"Inquire about effect planning","confidence_score":0.08785031}]},{"text":"So I am recommending that we do update your beneficiary nomination to make sure it's applied and that Yes.","start_word":4564,"end_word":4582,"intents":[{"intent":"Recommend update/update nomination","confidence_score":0.0000065398804}]},{"text":"So I am recommending that we do update your beneficiary nomination to make sure it's applied and that Yes. we do make it a 100 to your spouse. I'm nominating it as a binding, non lapsing nomination. That means that you're binding the trustee to follow your directions. So if in the event you were to pass away, your super is paid directly out to your beneficiary. Yep.","start_word":4564,"end_word":4631,"intents":[{"intent":"Recommend disbursement","confidence_score":0.00007716062}]},{"text":"And nonlapsing means you only have to fill the form out once, and then you don't have to fill it out again. It doesn't have to be updated unless you wanna change that nomination. Okay? Yep.","start_word":4632,"end_word":4667,"intents":[{"intent":"Explain nonlapsing form","confidence_score":0.0039182943},{"intent":"Compliment filling out","confidence_score":0.00004741481}]},{"text":"So the easiest way and the best way to nominate your beneficiary is a 100% to your spouse as what I've recommended here because she actually receives it a 100% tax free. If you Okay. nominate part of your beneficiary to your child and they are no longer a tax dependent, so generally over 18 or 21 depending on their circumstances, they actually pay 17% tax on the taxable component there. Okay.","start_word":4743,"end_word":4814,"intents":[{"intent":"Discuss tax deduction","confidence_score":0.0026442988}]},{"text":"Because she Yep. gets no tax rate, so she gets a greater benefit out of it. Yeah. Does Yeah.","start_word":4842,"end_word":4860,"intents":[{"intent":"Explain benefit","confidence_score":0.022658903}]},{"text":"can help you out, and we can prefill the form for Needs you if you like and send it out. So it's mostly prefilled, to and then you decide to sign it, be check the details, and have it witnessed. witness.","start_word":4940,"end_word":4980,"intents":[{"intent":"Prefill form","confidence_score":0.15474655},{"intent":"Prefill and send form","confidence_score":0.0004330017}]},{"text":"Now I do have on that page 24 that I've got your wife's name. Can you just double check that has been spelled correctly, and I can update it if it's not? I'm so sorry.","start_word":5102,"end_word":5136,"intents":[{"intent":"Update information","confidence_score":0.3172983}]},{"text":"Have I spelled have we spelled her name correctly there? Is that how you spell Michelle's name? Yeah.","start_word":5268,"end_word":5285,"intents":[{"intent":"Verify name","confidence_score":0.036326308}]},{"text":"We can proof for that for you. What's her date of birth? '82.","start_word":5392,"end_word":5404,"intents":[{"intent":"Proof date of birth","confidence_score":0.3777153}]},{"text":"The only thing is, like, we when will you send that? Because we're not in there for another week. No. That's So okay. We can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then.","start_word":5476,"end_word":5528,"intents":[{"intent":"Provide mailing address","confidence_score":0.013014984}]},{"text":"We can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then.","start_word":5499,"end_word":5528,"intents":[{"intent":"Send form","confidence_score":0.12440077}]},{"text":"The last couple of pages here are that we're also recommending that you guys do talk about a will.","start_word":5587,"end_word":5605,"intents":[{"intent":"Recommend will","confidence_score":0.034726325}]},{"text":"There was one last thing that I Absolutely. just wanted to ask. Sure.","start_word":5853,"end_word":5865,"intents":[{"intent":"Assist with inquiry","confidence_score":0.00009055385}]},{"text":"So I was just wondering, would you know how much I actually paid for that?","start_word":5900,"end_word":5914,"intents":[{"intent":"Inquire about cost","confidence_score":0.02904729}]},{"text":"So the insurance premium at the moment is the 2,511. I'm just double checking because on that projection table has your insurance premium in it. Sorry.","start_word":5944,"end_word":5969,"intents":[{"intent":"Verify insurance information","confidence_score":0.0011378705},{"intent":"Inquire about insurance rates","confidence_score":0.0048483093}]},{"text":"I can let you know how long you've had that for. Yeah. So Just that because someone asked policy me and I was like, oh, I don't even actually know. So when I did look yeah. When I injured myself and they said, oh, how much did you pay for that? Because I I actually didn't even realize I actually had that. yeah.","start_word":6023,"end_word":6085,"intents":[{"intent":"Inform about policy history","confidence_score":0.0005251444}]},{"text":"can provide advice on what they do. Only advice we provide is just a recommendation. Yeah.","start_word":6237,"end_word":6252,"intents":[{"intent":"Discuss recommendations","confidence_score":0.23972945},{"intent":"Provide advice and recommendations","confidence_score":0.00038034815}]},{"text":"can provide advice on what they do. Only advice we provide is just a recommendation. Yeah. At the end of the day, it's up to you guys whether you take those recommendations at all. And even if they just want, you know, some genuine information, we can always help with that as well. So Yeah. yeah.","start_word":6237,"end_word":6292,"intents":[{"intent":"Provide information","confidence_score":0.004351684}]},{"text":"That's right. Beautiful. All good.","start_word":6311,"end_word":6315,"intents":[{"intent":"Confirm understanding","confidence_score":0.003233267}]},{"text":"We've also got an appendices attached there. So at the bottom of the email, you'll see those little attachments Yep. there. Yeah.","start_word":6356,"end_word":6377,"intents":[{"intent":"Attach appendices","confidence_score":0.08240707}]}]},"sentiments":{"segments":[{"text":"Your call has been forwarded to voice. Hello? Hi, Andrew. This is Dana from Ovu Financial. How are you today?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.11865253746509552},{"text":"Good. Thanks.","start_word":20,"end_word":21,"sentiment":"positive","sentiment_score":0.46690648794174194},{"text":"How are you?","start_word":22,"end_word":24,"sentiment":"neutral","sentiment_score":0.306742787361145},{"text":"I'm very well. Thank you.","start_word":25,"end_word":29,"sentiment":"positive","sentiment_score":0.5618880391120911},{"text":"I had you booked in just to go through your updated advice document. Is now still a good time there for you? Yeah. That's fine. Yep.","start_word":30,"end_word":55,"sentiment":"neutral","sentiment_score":0.2163037210702896},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.4533793330192566},{"text":"I believe you're off work at the moment. Is how's everything been going for you? Yeah.","start_word":57,"end_word":72,"sentiment":"neutral","sentiment_score":-0.03768570348620415},{"text":"I'm not the best.","start_word":73,"end_word":76,"sentiment":"negative","sentiment_score":-0.34218892455101013},{"text":"I've told my Achilles, so Oh, yeah. I'm Not so much. sorry. Got a long recovery ahead of me. Oh, wow. Wow. How how long are they sort of saying for recovery at this point? Well, full recovery. You should like it's a nine to twelve months full recovery. Yeah. Yeah. Wow. But I'm not sure yet how long I'll be off work for. So Yeah. No. Completely understandable. I know when you spoke to my colleague, Maddie, and said they booked you in to have the advice updated, the advice I am providing today doesn't affect any income protection claims or anything on there. It's solely yeah. based around your super and the investments within for you. Okay? Yeah. Yep. All good. Yeah. And before we jump into the call, I do have to let you know moving Okay. forward that we do record our calls for quality and training purposes. Yep. Are you happy for me to proceed with that? Yep. Sure. Yep. Beautiful. And just for the security there with you as well, I'm sending the document out for you to have a look at, but I also just need to confirm your full name, your date of birth, and address I should have on file. Andrew Baxter. 08/1980 Yep. '1. And did you say address? Yep. Yes, please. Sorry. It's probably the one. I'm just in my parents at the moment. So that's 27 Anchor Hook Crescent up at Kuma. Okay. Are you I I'm have only another hit address. yeah. You That are. would Sorry. have been the one at the early that was Christina. 56 Slash 220 Christina Ave. That's right. So have you moved now? Just in our parents until we get because we just bought a place.","start_word":77,"end_word":371,"sentiment":"neutral","sentiment_score":0.012000338947874004},{"text":"Oh, So congratulations.","start_word":372,"end_word":374,"sentiment":"positive","sentiment_score":0.4323645532131195},{"text":"we've Yeah.","start_word":375,"end_word":376,"sentiment":"neutral","sentiment_score":0.25925466418266296},{"text":"got settle settlements on oh, thank you.","start_word":377,"end_word":383,"sentiment":"positive","sentiment_score":0.4005774259567261},{"text":"Settlements on Monday, so we move in over, like, this weekend this next weekend coming.","start_word":384,"end_word":398,"sentiment":"neutral","sentiment_score":0.23084791004657745},{"text":"So That's incredible.","start_word":399,"end_word":401,"sentiment":"positive","sentiment_score":0.6557411551475525},{"text":"so that What's will gonna be be the our address. yeah. What Yeah. will be the address there, and I can update your file for you? 51 Slash 60 Yep. Beatty Road, Coomera. Sorry. Beatie Road? Yep. B Yep. E A T T I E. K T I E.","start_word":402,"end_word":450,"sentiment":"neutral","sentiment_score":0.025944629684090614},{"text":"Beautiful. Thank you.","start_word":451,"end_word":453,"sentiment":"positive","sentiment_score":0.409367710351944},{"text":"And it's Coomera.","start_word":454,"end_word":456,"sentiment":"neutral","sentiment_score":0.24739207327365875},{"text":"Beautiful. Well, congratulations on that as Thank much as you.","start_word":457,"end_word":466,"sentiment":"positive","sentiment_score":0.4490907490253449},{"text":"you're off work at the moment, and you have a lot going on.","start_word":467,"end_word":479,"sentiment":"neutral","sentiment_score":0.012339215725660324},{"text":"It's exciting that you got a new place, and hopefully everything goes well with the moving.","start_word":480,"end_word":495,"sentiment":"positive","sentiment_score":0.47842320799827576},{"text":"Injury couldn't have happened at the worst time.","start_word":496,"end_word":503,"sentiment":"negative","sentiment_score":-0.3431938588619232},{"text":"I know. I know. Do you have many other people helping you with the moving Yeah. so I've it's not got to family strain yourself? helping, which is lucky. Yeah. So because Oh, I can't that's do anything good. with my leg. No. No. At least you've got some time to sort of settle in, though, on the Yeah. on the positive Yeah. side. Yeah. That's right. Oh, perfect. Well, Andrew, I have to send through this document to you. Do you happen to have access to your emails at the moment just because sometimes it's easier to kinda review the Yeah. document that I'm looking at? Sorry. One sec. You're right. Not an issue. Dana Taylor. Mhmm. That's the one. So you'll see that sorry, I do apologize, when you open the documents, there has been prepared for yourself as of the 03/03/2026, prepared by myself, Sandra Taylor. And on the bottom of the front page, you'll see my authorized representative number as a licensed financial adviser. It is 1304394. Okay? Yep.","start_word":504,"end_word":676,"sentiment":"neutral","sentiment_score":-0.0036679684168341537},{"text":"Beautiful.","start_word":677,"end_word":677,"sentiment":"positive","sentiment_score":0.6692178249359131},{"text":"As you ask for the scrolling through the document, I'll make this a little bit easier on you because you're welcome to go back and have a read of it before you take on any of the advice, but there are quite a lot of pages there, admittedly. I can see that there would be one change to your circumstances, which is your assets and liabilities now with the change of your property. However, I'll go back in the back end and update that for you. There Yep.","start_word":678,"end_word":765,"sentiment":"neutral","sentiment_score":0.10706466436386108},{"text":"it it happily doesn't affect the changes in in the advice that I'm providing today.","start_word":766,"end_word":780,"sentiment":"positive","sentiment_score":0.3522385358810425},{"text":"Okay? Okay. Yep.","start_word":781,"end_word":783,"sentiment":"neutral","sentiment_score":0.13642659783363342},{"text":"All good.","start_word":784,"end_word":785,"sentiment":"positive","sentiment_score":0.4814679026603699},{"text":"Now to make this a bit easier for you, if you can scroll, sorry, directly down to page number if we go into page number nineteen and twenty. Nineteen and twenty. Yep. Oh, Yep. okay. I'll Are they at the links yeah. at the bottom? Yeah. It it should be if you press on the sign button and continue right through, it should let you open that document you're Oh, looking sorry. at. Okay. Go to the sign Yep. document. Yep. Yeah. It I promise it won't make you sign anything. It's just so you can scroll through that document that you're looking at there. Yep. That's fine. What Yep. page number did you say? Nineteen and twenty. Can you see that there? Yep. Yep. Beautiful. So the heading on there or the big red heading will say investments. Is that the page that you're looking at, Andrew? Yep. Yep. Beautiful. Now when we did your annual review back around January, we sort of had that chat about some of the underperforming investments. We have obviously seen some changes in the market conditions, Yep. and we talked about how your performance was a bit lower than expected with Benelon having been underperforming there. There. So as Yeah. you Yeah. and I discussed, we are getting rid of that completely.","start_word":786,"end_word":1004,"sentiment":"neutral","sentiment_score":-0.012626740150153635},{"text":"We don't wanna keep anything that's not performing well.","start_word":1005,"end_word":1013,"sentiment":"negative","sentiment_score":-0.37239935994148254},{"text":"Yep. But I've also gone back and restructured all the investments within your super for you. So we also talked about our newer product, is a separately managed account. Do you remember going through that with me? Yeah. Yeah. Yeah. I do. Yep. Yeah.","start_word":1014,"end_word":1057,"sentiment":"neutral","sentiment_score":0.07746448401700366},{"text":"Beautiful.","start_word":1058,"end_word":1058,"sentiment":"positive","sentiment_score":0.6038395166397095},{"text":"So, essentially, I am making the recommendation with regard to your super there that we retain Hub 24 as a product. There's nothing wrong with the product.","start_word":1059,"end_word":1085,"sentiment":"neutral","sentiment_score":0.1846633106470108},{"text":"It's still a great platform there, but we are Yep.","start_word":1086,"end_word":1095,"sentiment":"positive","sentiment_score":0.4326490759849548},{"text":"gonna switch you out of the current investments and move you into the separately managed account there. One of the benefits of doing this is, a, we are getting rid of Venalong, which has been underperforming. But having that separately managed account means that at times of high volatility, which is what we're kinda seeing at the moment with what's happening globally there, it means Yes. that our investment committee in if we will have to work with the BlackRock investment committee. So BlackRock are one of Australia's largest Yes. investment firms, and we utilize Yep. their investment managers and their analysts to help us kind of make those decisions. So Got in it. sort of cooperation with BlackRock, our investment committee can be making changes to your super to the underlying investments to remove Yes. Yep.","start_word":1096,"end_word":1232,"sentiment":"neutral","sentiment_score":0.02571284212172031},{"text":"That sounds good.","start_word":1233,"end_word":1235,"sentiment":"positive","sentiment_score":0.35822156071662903},{"text":"yeah, so with this here, you'll see we're essentially selling all of the battery lithium tech that then along the bank hybrids there will be gone. We there is physical gold within the portfolio there. However, it just shows that we'll be getting rid of that investment. Essentially, what happens is we will have Okay. 24 in specie transfer. Any whole assets they can in that estimate, but this is Yep. just showing you that we essentially will be removing most of these investments here. Okay? On the bottom of the next page there, so the top of the next page there, you'll see at the bottom of that table, you've got two options. It says catalyst and bloom, and you'll see that the green buys into those SMA products. Yep. So what's essentially gonna happen is we're gonna in CC transfer as many assets as we can into the SMA. What we can in CC transfer will be sold off, and we will buy into the two SMA products, so the catalyst and the bloom. We essentially buy into those at 3366%.","start_word":1236,"end_word":1418,"sentiment":"neutral","sentiment_score":0.0377325492865238},{"text":"So it keeps you in that asset allocation that you need to have.","start_word":1419,"end_word":1431,"sentiment":"positive","sentiment_score":0.4092107117176056},{"text":"So Yep. when we kind of look at things, you're in that high growth environment, which normally sees that 90% growth asset. And to make it easier, if you scroll down to the next page for me, you'll see the asset allocation of how that risk profile should out should be set out. So you'll Yeah. see it's about 90% in growth investments, so things like Australian and international equities, and then the other sort of 10%, sorry, in defensive investments, so things like fixed interest, alternative defensive assets, and cash as well. With Yeah. your current asset allocation, you're a little bit low on the mark there. So your current asset allocation has you sitting at 81 percent growth investments and 19% defensive. It's not too far off. It's more of a growth portfolio than the high growth environment. So Yep. by moving into the SMA, you'll have your growth investments back up to eighty eight point eight seven percent and eleven point one three in defensive investments there. So what Right. you'll essentially see is when you look at your super fund, you'll see your two different estimated products with the catalyst and the bloom there, and you'll see the amount of money you have invested between both of those. Okay.","start_word":1432,"end_word":1644,"sentiment":"neutral","sentiment_score":0.1569177508354187},{"text":"The benefit to, yeah, the benefit to this product is that while you lose a bit of visibility there, as I kinda mentioned, by not having all the visibility of the underlying investments, it gives us greater control to make those changes for you to make sure things are always moving and that they're always changing in relation to market conditions. So you're investing correctly, and we can rebalance things as well to make it easier for you.","start_word":1645,"end_word":1722,"sentiment":"positive","sentiment_score":0.3978756666183472},{"text":"Yep.","start_word":1723,"end_word":1723,"sentiment":"neutral","sentiment_score":0.24151504039764404},{"text":"A really good example is a couple of weeks back, we actually did meet with the investment committee there, and they did let us know they were rebalancing and making some changes to some of the underlying investments. So since we last sort of caught up, they've made some changes, which is fantastic. But it means that they automatically make those changes on your behalf so that, you know, when things need to change, you don't have to update the advice and go through this every time with you. We can just complete that for you on your behalf to make it easier.","start_word":1724,"end_word":1826,"sentiment":"positive","sentiment_score":0.48783573508262634},{"text":"You Okay? don't get that one. You just got a normal super account, do you? That's no, that's correct.","start_word":1827,"end_word":1845,"sentiment":"neutral","sentiment_score":0.07109815627336502},{"text":"So this will this will be a lot easier for you.","start_word":1846,"end_word":1856,"sentiment":"positive","sentiment_score":0.4896520674228668},{"text":"It doesn't take away the need for reviews in any way, shape, or form. So it's really still important that we do review your super do make sure that Yeah. the FMA 100%. continues to Yeah. work for you. And when you find that you're no longer comfortable in that high growth environment, that you let me know, and we can reevaluate that for you as Yeah. well. Yeah. Okay? Just with everything Yeah. that's happening in the world at the moment, Yeah. have have you seen much of a change in the stocks that you do invest in in what's happening at the moment? Have they gone down or what? Yep. Some of them have, some of them haven't. Yes. We did sort of see probably about about six to eight weeks ago, there was more of a heavier drop. Since then, we have seen a bit more of a recovery. So, Yep. Okay. realistically, when I've been sort of looking at everything, when that war was sort of new and everything was happening and Trump was getting really aggressive, we did find there were some very heavy drops in the market there. But since renewed calls of the ceasefire and the talks and things like that have been back in play, we do find that investors are a little bit more confident in the market. And we have Yes. seen some recovery period out of it. It hasn't recovered right back to where it was, but it is moving towards that area. Yes. Yeah. So it it hasn't actually been as bad as we thought it was gonna be. It is always an unknown. And one of the things we did talk to the black box economists about was, you know, what they sort of see. They don't know no one knows how long this is Yeah. gonna That's go right. on for, but there are hopes that'll hopefully be over soon. Yes. As much as the war and the is the big thing that's sort of happening between The US and Iran, it's kind of the big focus at the moment. We also do have higher inflation within Australia as well. So that has been affecting the fixed interest in the bond markets a little bit. Yeah. Yep. So that's sort of we've kind of been seeing the dips on two fronts at the moment, but economists think we're gonna have high inflation for a bit longer. They reckon for the yes for the rest of the year, and it could get quite high. We're Yes. certainly hoping it doesn't. But, look, we have seen some recovery back. And the estimate is a really good place to be in this sort of climate because we do have the BlackRock investment committee working hard with our investment committee so we can sort of see what the economists and the analysts are saying about the future and try to realign investments to sort of suit the current climate.","start_word":1857,"end_word":2355,"sentiment":"neutral","sentiment_score":0.015813679131072664},{"text":"So that really works in your favor.","start_word":2356,"end_word":2362,"sentiment":"positive","sentiment_score":0.3801864981651306},{"text":"Does that make Yeah. sense? Yeah. Yeah. It's a 100%. Yep. Yeah.","start_word":2363,"end_word":2374,"sentiment":"neutral","sentiment_score":0.15200375020503998},{"text":"Beautiful.","start_word":2375,"end_word":2375,"sentiment":"positive","sentiment_score":0.4462231993675232},{"text":"If anything does, then you're welcome to let me know. Okay? Yeah. Yeah. No. No. I'm the type to ask a question You're if I don't understand. yeah. Yeah. It'd be a lot.","start_word":2376,"end_word":2408,"sentiment":"neutral","sentiment_score":0.0044350759126245975},{"text":"What Beautiful.","start_word":2409,"end_word":2410,"sentiment":"positive","sentiment_score":0.345381498336792},{"text":"do you mean?","start_word":2411,"end_word":2413,"sentiment":"neutral","sentiment_score":0.2205732464790344},{"text":"I love it. Yeah. I love it.","start_word":2414,"end_word":2420,"sentiment":"positive","sentiment_score":0.606477677822113},{"text":"Now if you can scroll down to page number 22 for me, this is essentially the fee table. So it's really important to note that whenever we're making recommendations, we do look at the fees and the structure and how that's gonna affect you and your super funds. So you'll see here you've got your fee comparison table, and the first column is your current scenario, so your current super balance and the fees that you are currently paying and your insurance premiums current in the fund at the moment. Okay. And at the moment, as I mentioned before, you're in more of that growth environment there. So Yep.","start_word":2421,"end_word":2529,"sentiment":"neutral","sentiment_score":0.06566098722022608},{"text":"you've the average return that this portfolio currently has been is about 13.87. Within the estimated product, it has actually seen a greater three year rolling average. If that was to be able to continue, on the next page, you can see where you could end up over the five to ten years. It gives you a bit of a projected outcome there.","start_word":2530,"end_word":2592,"sentiment":"positive","sentiment_score":0.42355039715766907},{"text":"In saying that Okay. we are seeing a lot of volatility at the moment, so I don't think you you know, I know for a fact you're not gonna get 15% every year. But, No. essentially, if we can kind of and you get it close to or even it out over the longer term, you could see your balance increase significantly there. Okay. So you're saying in five years that it could have, like, 203,000? That's the current portfolio. The recommended, if you were able to get a 15.32% return every year for the next five to ten years, you could end up with 214 And that's thousand two hundred and or 14. 300 Yeah. and 18. Yeah. Yep. Okay. Yeah. It Yeah. all all depends upon what markets do. I always suggest we take projections out of as a grain of a cell. We're utilizing Yeah. Definite past data, definitely. and Yeah. with Of course. current market conditions, anything could happen in the next month or so. Yeah. I do like to have this as a grain of salt, but we do look at past data when we are looking at investments because investments that have seen greater past returns, we essentially it opens you up to the fact that you can receive greater potential returns because of it. So we do have to use past data. We are looking for the best performing funds that we've seen over the past few years to be able to Yep.","start_word":2593,"end_word":2842,"sentiment":"neutral","sentiment_score":0.09364647859334946},{"text":"look at how we, you know, maneuver things in the future for you.","start_word":2843,"end_word":2855,"sentiment":"positive","sentiment_score":0.3843323886394501},{"text":"Okay? So is that also saying, like, just obviously with a grain of salt again, that ten year Yeah. prediction, is that is that saying, like, if you go on the current rate, it could be 348,000. But Yes. Yep. Correct. would that 15 or is that if it with the 15%, it would be $3.89. Is that That's correct? correct. Yeah. So with the if you were to get that 15% every year over the next ten years, the recommended portfolio can be projected to get to 389,000. Yep. And what's Yeah. sorry. What what's that 428,000 amount? The it's the one that says no insurance. Oh, that's down. So this is essentially the idea of a projection table is to show you the difference. So we're not changing any insurances at the moment, but this is showing you because inside super you are paying for your insurances out of your super fund, it does have an ongoing impact. So you can see the first two columns of that table are your current product, your recommended, but then it also shows Yep. that if you didn't have any insurances inside super and you were able to get that 15% return, this is where you could end up over the next five to ten years. Okay. Yep. Yep. Yeah. It's essentially just showing you the impact that insurances has on your super because you're going on claim. You're not sort of and you're off work at the moment. We're not making any changes. We're retaining all your insurances exactly the way they are, but Yep. we do have to kind of note and it's in there is a limited scope, so we're not making any changes to the product in any way, shape, or form. But we do know when we are changing the super, there is a long term impact of insurance premiums being paid out of super. So this is to show you that impact on what it could look like. Okay? Yep. Yep. Yep. Yeah. And But just we'll up. keep reviewing yeah. Of course. Yeah. Sorry. Just off the top, Yeah. what what would the average superannuation, like, account, like, grow on per year? Because you're saying roughly 15% Yep. return. Yeah? Yep. Yep. So what would the average just So an average well super that's not yeah. having someone do the specific No. investment? That's a yeah. So what we're sort of looking at when we sort of talk about that is there's no real set Yes. set rate of return. What we're sort of looking at is what we're chasing with regard to your risk profile. So because Yes. you're in a high growth portfolio, you've got that ninety ten split. You're taking a bit more risk in the market. You're wanting to get greater returns. The expected return you'd want out of this risk profile is about eight to 10%. So if you're able Yep. to obtain a 15% return every year, Yes.","start_word":2856,"end_word":3355,"sentiment":"neutral","sentiment_score":0.024905777040868996},{"text":"that's exceeding the annual expected return to your risk profile.","start_word":3356,"end_word":3365,"sentiment":"positive","sentiment_score":0.37967759370803833},{"text":"And if you were in the growth environment, which is where you are at the moment, it's about seven to nine Yes. percent. So Right. there's no real set return that people generally average out. It's more just depending on what you're invested in. The balance you have also takes into effect. Because if Yeah. you look at, say, someone with a 50,000 balance, a 5% return on 50,000 is a much smaller return than, say, a 5% return on someone Yeah. with a $500,000 balance. So your balance Yes. is also their contributions make a bit of a difference. I know you're probably not getting any at the moment, but that will change once you are able to go back to work and recover.","start_word":3366,"end_word":3490,"sentiment":"neutral","sentiment_score":-0.015023344196379185},{"text":"And as your balance increases, smaller changes make a bigger difference for you.","start_word":3491,"end_word":3503,"sentiment":"positive","sentiment_score":0.37439703941345215},{"text":"So Yeah. So yeah. I was just I was just sort of wondering, like like, how Yeah. you guys quizzes actually are doing the investment Yeah. and picking the what stocks and whatnot you use actually. Whereas someone just like host or one of them, they just they Yeah. just have the stocks. They don't really change. That's what I'm sort of saying. How would this what I'm doing now compared Yep. to just having it normally? What do you do you understand what I'm saying? What Yeah. I'm trying I see. You're kinda yeah. wanting to compare to what the average, Yeah. say, host plus funds may have been able to achieve. Yeah. Yeah. Because yeah. If I was Yes. to That's do, okay. like, the same sort of growth or, like, same Yep. what I'm doing now, like, how Yep. much better are you, you guys? Well, if I have a look at what they have disclosed for you Yeah. Sorry. Won't be But a second. it's interesting I'll to just know, like, to such because yeah. obviously, you're Absolutely. spending money. You wanna know that your money's, you know, like, Yeah. being yeah. It's Absolutely. it's worthwhile what you're spending. Absolutely. Yeah. Definitely. So with this one here, now we're working on a three year rolling average. So to work on Yes. the same sort of thing, their high growth portfolio has not been around for that long, so they don't have Yeah. a three year return. They've only Okay. got a one year return, which is 9.81 Yep. percent. The growth portfolio, which is a eighty twenty split, that's kind of where you're invested at at the moment. Yep. Their three year rolling average has averaged about 9.55%. 9.55. And use Yeah. and and what what were what were we again? Sorry. The three year rolling average for your current portfolio is showing 13.87 and Yeah. 15.32 for the newer portfolio with the SMA product. Yeah.","start_word":3504,"end_word":3833,"sentiment":"neutral","sentiment_score":0.03918924272963495},{"text":"Well, cool.","start_word":3834,"end_word":3835,"sentiment":"positive","sentiment_score":0.3907577991485596},{"text":"Yeah.","start_word":3836,"end_word":3836,"sentiment":"neutral","sentiment_score":0.1971854567527771},{"text":"That's great. Yeah.","start_word":3837,"end_word":3839,"sentiment":"positive","sentiment_score":0.6556072235107422},{"text":"Yep.","start_word":3840,"end_word":3840,"sentiment":"neutral","sentiment_score":0.25982236862182617},{"text":"Yeah. Beautiful.","start_word":3841,"end_word":3842,"sentiment":"positive","sentiment_score":0.4605415463447571},{"text":"So that's essentially the recommendations there. It's really important that I do make you aware of how this would work. So we're not in order to move into the SMA in the back end, we're not changing Hub 24 as such, but we are gonna change the menu to a more cheaper product for you. So Yes. on that Okay. fee comparison table in page number 22, on the administration fees, you'll actually see it's about a $180 cheaper. We keep Hub 24 exactly the same. Yep. You keep the same account number. Nothing changes there. It's just in the back end we change it to their cheaper product. This is a simple form design, and it actually is cheaper in administration fees, and we estimate about a $180 cheaper for the year for you, so it's actually Oh, that's gonna good. cost you less. Yeah. Yep. With the SMA product, because we are investing in more investment options, it is a little bit more expensive in the way of the investment fees. So it is an extra $177, but that's cheaper than the administration fees that we're saving. So you actually Yeah. still save when you weigh up the both of those. Okay. Yep. Beautiful. So I And you'll with see with it's all my you're fee on all the yeah. fees. So basically, roughly $3 for all the fees that I pay per year. Yeah. Basically, if I sort of wait at them all, because the ongoing service fee, that's for our services, for the advice, and us monitoring everything. That's about 1,924 for the year. Oh, yes. I And see then you've all yeah. The investment fees if I look at the total cost, the administration fees, investment fees, and any other fees applicable at '27, it's about $3,004 for all that. of those. Yes. Okay? Yeah. Yeah. Yeah. Yeah. Yeah. For that, sir. Grandpa. Total fees. Yeah. Yep. Yeah. Beautiful. We wanna make sure that, obviously, Okay. you're making enough for your super to cover those costs but that you're That's also exactly making why. additional That's why growth I was just and income settled. on top of that. Yeah. Yeah. Exactly. Because you don't wanna be paying Absolutely. $3 if you, you know, you're No. still getting the exact same amount of what something else would get without Yeah. Correct. anything. Correct. Yeah.","start_word":3843,"end_word":4240,"sentiment":"neutral","sentiment_score":0.07762093849517593},{"text":"It's gotta be value. Fees are never a bad thing if you understand what you're paying for and you're getting Exactly. the value out of them. Absolutely.","start_word":4241,"end_word":4267,"sentiment":"positive","sentiment_score":0.3838898837566376},{"text":"Yep. Yep. The other thing you'll see there in that fee comparison table is on the top line, you've got a 1,321 figure there, the difference. Now that's essentially the CDT. So for moving Yes. everything out of your current portfolio and into the estimate product, your super fund does a tax return for you for your super every year just like you do in your tax return every year. Yep. For us moving from the current portfolio into the SMA, we do estimate the tax consequences to be 1,321. Your super funds will do a tax return. They will pay the CGT consequences there. But, essentially, Yes. when you look at maneuvering it, saving in admin fees and the greater growth that it has been plus the value of having the SMA and having those investments continue to be altered and changed in a line with market conditions. That 1321 sort of pays for itself in Yes. the long run. Okay? Okay. Yep. Yep.","start_word":4268,"end_word":4432,"sentiment":"neutral","sentiment_score":0.15900366008281708},{"text":"Perfect. That's essentially that table.","start_word":4433,"end_word":4437,"sentiment":"positive","sentiment_score":0.4148635864257813},{"text":"Looking at that there, do you have any questions around the recommendation, the fee table, or anything that I have just gone through for you? No. Not really. Like I said, I was just more like a comparison, just making sure that it's everything you are paying for what you get, value for Yeah. money, Absolutely.","start_word":4438,"end_word":4493,"sentiment":"neutral","sentiment_score":0.1424388587474823},{"text":"so I can. Absolutely. Perfect.","start_word":4494,"end_word":4498,"sentiment":"positive","sentiment_score":0.511288046836853},{"text":"Now I have also included the effect planning side of things in here for you. So if you scroll down to page number 24, having a bit of a look now, we don't have a beneficiary nomination applied to your super. So when we spoke, we talked about how you wanted that to be nominated, and you want it to be made to your spouse. So I am recommending that we do update your beneficiary nomination to make sure it's applied and that Yes.","start_word":4499,"end_word":4582,"sentiment":"neutral","sentiment_score":0.07133185231525983},{"text":"we do make it a 100 to your spouse. I'm nominating it as a binding, non lapsing nomination.","start_word":4583,"end_word":4600,"sentiment":"positive","sentiment_score":0.38761407136917114},{"text":"That means that you're binding the trustee to follow your directions. So if in the event you were to pass away, your super is paid directly out to your beneficiary. Yep. And nonlapsing means you only have to fill the form out once, and then you don't have to fill it out again. It doesn't have to be updated unless you wanna change that nomination. Okay? Yep. Yep. So And when we I also actually did get talk a beneficiary, like well, obviously, I wanna get my wife and my son put on to my beneficiaries, so Yeah. I need to get that done. Yeah. Yeah. So we will fill the beneficiary out for you. Having a look now, your just having a look because your son's a minor at the moment, isn't he? Yeah. He turns 18 in in September. Yeah.","start_word":4601,"end_word":4742,"sentiment":"neutral","sentiment_score":0.14611773192882538},{"text":"So the easiest way and the best way to nominate your beneficiary is a 100% to your spouse as what I've recommended here because she actually receives it a 100% tax free.","start_word":4743,"end_word":4774,"sentiment":"positive","sentiment_score":0.4069080650806427},{"text":"If you Okay. nominate part of your beneficiary to your child and they are no longer a tax dependent, so generally over 18 or 21 depending on their circumstances, they actually pay 17% tax on the taxable component there. Okay. Yep. So it's much better to have it paid to your wife and then have her distribute some funds to him to help. Yep. Okay. Yep. Yeah.","start_word":4775,"end_word":4841,"sentiment":"neutral","sentiment_score":0.24870045483112335},{"text":"Because she Yep. gets no tax rate, so she gets a greater benefit out of it.","start_word":4842,"end_word":4857,"sentiment":"positive","sentiment_score":0.43993425369262695},{"text":"Yeah. Does Yeah. that Yeah. make sense? I'm just that makes total sense. Yep. Yeah. Yeah. In saying all of that, we actually just don't wanna have to claim. Why don't we want you to get through No. your time and then enjoy your money? Yes. Exactly right. So yeah. I'm all Just to you're get right. her as the beneficiary, I need to fill that form out. You can't do it online or nothing, can No. But we can we you? can help you out, and we can prefill the form for Needs you if you like and send it out. So it's mostly prefilled, to and then you decide to sign it, be check the details, and have it witnessed. witness. Yeah. I might yeah. I might do that. Can anyone witness Yeah. it or the the can it be a family member or not? It Can't can be be a friend. anyone. It just can't be the person you're nominating is event history. So if you got a neighbor or any adult over 18 years of age, they just need to Yeah. witness you signing it, and they sign and date it at the same time. Oh, okay. So my sister couldn't Yep. do that. Yep. Absolutely. Yep. Yeah. Definitely. Now did you want me to prefill those details for Oh, you on the that's beneficiary nomination? that would be amazing if you could do that. Not an issue at all. Now I do have on that page 24 that I've got your wife's name. Can you just double check that has been spelled correctly, and I can update it if it's not? I'm so sorry. On what what page? Sorry. Page number 24, and you'll see under the heading nominee. Alright. 23. Nominate. Yes. There's a little table. You've got four, five columns there. Nominate the second last column, and it's got spouse with miss Shelly Da Silva. I'm just trying to see that. On page Oh, sorry. Is it 24 did I say 23? I'm so sorry. 24. page 24. Yep. It So says online, page 24 is a table, the lump sum table. Oh, maybe 25 on your document, and maybe made the first page number Name, one. So the hub heading 20 on this one is your beneficiary nomination. beneficiary nomination. Yeah. I didn't actually see that. That's okay. Can Oh, yeah. you just There it is. Yep. you've got it there.","start_word":4858,"end_word":5266,"sentiment":"neutral","sentiment_score":0.03079582953456707},{"text":"Beautiful.","start_word":5267,"end_word":5267,"sentiment":"positive","sentiment_score":0.4835920929908752},{"text":"Have I spelled have we spelled her name correctly there? Is that how you spell Michelle's name? Yeah. But after Yep. Dasilva, she has a she has a last name too because it's a Okay. joint last Not a problem. What's her joint last name under the Silva? name. So it's exactly the same, Michelle e Da Silva, and then the last name is Pimentel, p I m Yep. e n t e l. Beautiful. So And that what's her date of sorry. yep. So it went p I m, m for Mary, Yep. e, n for Nelly. Yep. And then t for tango, e, l l. E l. Just one l. E l. Yep. Perfect. Yep. I've got that then. Not a problem. We can proof for that for you. What's her date of birth? '82. Yep. 9082.","start_word":5268,"end_word":5406,"sentiment":"neutral","sentiment_score":0.05159156024456024},{"text":"Fantastic. And and all at the same address as yourself, I can use the new address, which is absolutely fine there for you.","start_word":5407,"end_word":5429,"sentiment":"positive","sentiment_score":0.36435824632644653},{"text":"And Yeah.","start_word":5430,"end_word":5431,"sentiment":"neutral","sentiment_score":0.30309224128723145},{"text":"are you happy for it to be a 100% to have?","start_word":5432,"end_word":5442,"sentiment":"positive","sentiment_score":0.369479238986969},{"text":"Yeah. Yeah. Yeah. Yeah. Yep. Yep.","start_word":5443,"end_word":5448,"sentiment":"neutral","sentiment_score":0.1074170470237732},{"text":"Beautiful.","start_word":5449,"end_word":5449,"sentiment":"positive","sentiment_score":0.3945300579071045},{"text":"And are you happy with the binding non lapsing so we Yep. don't have Yep. to keep filling this form out? Yep. Yeah. Yeah. Yep.","start_word":5450,"end_word":5474,"sentiment":"neutral","sentiment_score":0.053150251507759094},{"text":"Beautiful.","start_word":5475,"end_word":5475,"sentiment":"positive","sentiment_score":0.3375583589076996},{"text":"The only thing is, like, we when will you send that? Because we're not in there for another week. No. That's So okay. We can email it to you if you like, if you've got access to a printer, or we can just hold it off until Monday and post it out then. Yeah. Just hold just do that. Yeah. Just hold it off, and then we'll get that Yep. sorted. Yep. Yep.","start_word":5476,"end_word":5548,"sentiment":"neutral","sentiment_score":0.03895224314438154},{"text":"Beautiful. Not a problem at all.","start_word":5549,"end_word":5554,"sentiment":"positive","sentiment_score":0.4093787968158722},{"text":"We'll hold off until Monday and post it out then. Not a problem. It Yep. also comes from Australia Post, so the snail mail could take weeks. Yeah. Yep. Yep.","start_word":5555,"end_word":5584,"sentiment":"neutral","sentiment_score":0.1038358360528946},{"text":"Cool. Beautiful.","start_word":5585,"end_word":5586,"sentiment":"positive","sentiment_score":0.6399794816970825},{"text":"The last couple of pages here are that we're also recommending that you guys do talk about a will. Obviously, you are purchasing a new home. There's a lot of things that are occurring. So seeing a solicitor and having a will updated is really important for the two of you. We can always send an email with some referral information on the solicitor that local to the Gold Coast here. Or Yes. if you've got a local one that you're comfortable seeing, it is it's really important to have a will in place and also power of attorneys to make sure that in the event that something was to happen, that you've got that power of attorney so someone can make medical and or financial decisions on your behalf for you. Okay? Yep. Okay. Yeah.","start_word":5587,"end_word":5722,"sentiment":"neutral","sentiment_score":0.0898662731051445},{"text":"Excellent.","start_word":5723,"end_word":5723,"sentiment":"positive","sentiment_score":0.44190436601638794},{"text":"There's that's basically all of the advice there. Now it's really important I make you aware that there's there's no upfront or implementations to this. Our advice is all part of you being an ongoing service client, and you pay the ongoing service fee, which is 1.65% per annum. Yes. We do get paid remuneration by the insurance company that you you hold insurances with the sender, so we do receive ongoing remuneration for them. However, the ongoing remuneration paid by the insurance company has no effect on on our recommendations. We provide advice in best interest. So all of our advice is about making sure that we're here to help you meet your goals and that the advice is provided under our best interest, Judy. Okay. Yep. Yep. There was one last thing that I Absolutely. just wanted to ask. Sure. Because I'm actually taking out of the claim through Ascender for Yep. and I think I just got that last call. I don't even think I had it. What's it called? Income protection. Right. So I was just wondering, would you know how much I actually paid for that? Because someone asked me, and I was like, oh, Jesus. I wouldn't actually Yeah. have a clue how much I actually pay for that for that Yeah. insurance. Absolutely. So the insurance premium at the moment is the 2,511. I'm just double checking because on that projection table has your insurance premium in it. Sorry. I just lost my page. So $2,135 is how much you paid for the this year's premium. Okay. Okay. 2,130 Yep. 5. Yep. Yep. Yep. Yep.","start_word":5724,"end_word":5995,"sentiment":"neutral","sentiment_score":0.025233615121311125},{"text":"That was lucky. Perfect.","start_word":5996,"end_word":5999,"sentiment":"positive","sentiment_score":0.4758104085922241},{"text":"And I don't think I had that originally, did I? I think I'd only just taken that out. Is that correct? Or Yeah. I can let you know how long you've had that for. Yeah. So Just that because someone asked policy me and I was like, oh, I don't even actually know. So when I did look yeah. When I injured myself and they said, oh, how much did you pay for that? Because I I actually didn't even realize I actually had that. yeah. Oh, wow. It's Yeah.","start_word":6000,"end_word":6089,"sentiment":"neutral","sentiment_score":-0.04997285082936287},{"text":"a good thing that you let us know because, Yeah.","start_word":6090,"end_word":6099,"sentiment":"positive","sentiment_score":0.38943082094192505},{"text":"yeah, absolutely, you wouldn't not wanna be getting on that claim. Yeah. So the certificate of currency here shows that the policy was applied for and put in force in February 2024. So you've had that for now Yep. two years. Yep. Yeah. Okay. Yep. Yes. Yeah. Very lucky. But now, Very look, lucky. if you are talking to anyone and they wanna look at personal insurances like life, TBD, income protection, because Yep. the insurance company is like a center that you've got your insurances through, we, as advisers, do get really good rates for things like that. So if Yep. there's anyone Okay. who wants to look at insurances, please feel free to give them my information.","start_word":6100,"end_word":6218,"sentiment":"neutral","sentiment_score":0.14530733227729797},{"text":"I'm happy to have a chat and talk to them about what Yeah.","start_word":6219,"end_word":6231,"sentiment":"positive","sentiment_score":0.6016550660133362},{"text":"they're Definitely. after. We Yep. can provide advice on what they do. Only advice we provide is just a recommendation. Yeah. At the end of the day, it's up to you guys whether you take those recommendations at all. And even if they just want, you know, some genuine information, we can always help with that as well. So Yeah. yeah.","start_word":6232,"end_word":6292,"sentiment":"neutral","sentiment_score":0.16812801361083984},{"text":"Happy to chat to anyone that, you know, might be interested in that kind of advice.","start_word":6293,"end_word":6308,"sentiment":"positive","sentiment_score":0.4127411544322967},{"text":"Yeah. Yeah. That's right.","start_word":6309,"end_word":6312,"sentiment":"neutral","sentiment_score":0.26359325647354126},{"text":"Beautiful. All good.","start_word":6313,"end_word":6315,"sentiment":"positive","sentiment_score":0.6391878724098206},{"text":"Well, as the inside the document there, when you've got some time later and you wanna have a bit of a read through it, I've got all the advantages, disadvantages, the risks involved, any alternatives that I've considered as well. We've also got an appendices attached there. So at the bottom of the email, you'll see those little attachments Yep. there. Yeah. So then. The append Yep. the appendices essentially runs you through any additional rec any additional areas that we research. So we did look at Yep. retaining your portfolio and just making a switch to say what was called our LA, the low alpha portfolio. The essentially, the the CGT consequences were cheaper by maneuvering into that portfolio, but it meant that we wouldn't be in the SMA, that you wouldn't get that underlying those underlining changes and things like that. Yes. So I've still recommended the estimate because that was more in line with your goals last time we spoke. Yep.","start_word":6316,"end_word":6479,"sentiment":"neutral","sentiment_score":0.08216863125562668},{"text":"So Cool. Perfect. yeah. All good. I've also attached there the updated financial services guide, which has a lovely picture of me and all my information in it for you as well as all the other Yep.","start_word":6480,"end_word":6516,"sentiment":"positive","sentiment_score":0.4159320592880249},{"text":"services you're entitled to. And Yeah. I know you're also speaking with my colleague, Hayden, and our head of advisers helping you with the claims process there. So we'll Yeah. make sure That's we right. keep in touch with you. Okay? Yeah.","start_word":6517,"end_word":6558,"sentiment":"neutral","sentiment_score":0.1398405879735947},{"text":"Perfect. Great. Beautiful.","start_word":6559,"end_word":6561,"sentiment":"positive","sentiment_score":0.5913047790527344},{"text":"Feel free to take a reach for the document. If there's any questions, Andrew, it doesn't matter what it is, you let me know.","start_word":6562,"end_word":6585,"sentiment":"neutral","sentiment_score":0.21326844394207},{"text":"I'm more than happy to answer any questions you have in relation to it.","start_word":6586,"end_word":6599,"sentiment":"positive","sentiment_score":0.6337028741836548},{"text":"And once Yep. you've gone through the advice document, if you're happy to take those recommendations, I'll just get you to sign and return that back for us. Okay? Yep. No worries. I'll do that. I'll have a look Oh, and good.","start_word":6600,"end_word":6641,"sentiment":"neutral","sentiment_score":0.2469057738780975},{"text":"Beautiful. get that done.","start_word":6642,"end_word":6645,"sentiment":"positive","sentiment_score":0.6357427835464478},{"text":"Now I've Thank got you plenty of time so on much. my hands. Yeah.","start_word":6646,"end_word":6659,"sentiment":"neutral","sentiment_score":0.22794964909553528},{"text":"Well, hopefully, everything goes well with the move Yeah. next week and rest up, and we hope for a very speedy recovery for you. Beautiful. Thank thanks for the call. Appreciate it. My pleasure. Thank you for your time today. I'll talk to you soon.","start_word":6660,"end_word":6704,"sentiment":"positive","sentiment_score":0.5724837779998779},{"text":"Talk soon.","start_word":6705,"end_word":6706,"sentiment":"neutral","sentiment_score":0.2865663170814514},{"text":"Thank you. Thanks. Bye. See you later.","start_word":6707,"end_word":6713,"sentiment":"positive","sentiment_score":0.46803340315818787},{"text":"Bye.","start_word":6714,"end_word":6714,"sentiment":"neutral","sentiment_score":0.20507508516311648}],"average":{"sentiment":"neutral","sentiment_score":0.09857524167826248}}}}