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Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM. I was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you. Perfect. So what I'll do is I will shoot the documents out to you for that updated strategy. Will you be able to look onto it with me now, or should I just kind of give you a bit of through? Perfect. Perfect. So that will come through pretty quickly. If this is your first time using the new system, it may go to your spam folder, but I'll shoot that through. Just while that's coming through, mate, could I just confirm for security your date of birth and address? Perfect. Thank you so much for that. And are you okay for the call to be recorded? Amazing. So what I've sent you through is the statement of advice with all of the updates we talked about last week. I have included quite a few product documents as well, which are just kind of for you to keep on file, just updates with Hub twenty four, Oakview Financial, and so on, and Australian Super. But can you see a statement of advice email? Cool. Now when you pop that open, there should be a blue button. It does say, like, to start the signing process, but it just brings open the documents for you to peruse. Yep. And if you hit that, it should open up. There is, sorry, three, six, seven, eight documents there, but it should open the first one, which is like a beachfront city Gold Coast picture. And it should be labeled statement of advice. Yeah. That's alright. Sometimes because there's a a thousand pages, it can sometimes take a minute to load. There's quite a lot that goes along with it. I do apologize. Is it is it doing a bit of a circle loading thing, or what's what's popped up for you there, mate? Oh, right. So what I might do is I'll kinda give you the cliff notes and then leave it with you when you've got a bit more access to look at it. Is that okay? Yeah. Go for it. Ah, I need to actually take down which browsers are best for this system and which ones are I haven't had too many issues with them, but might do a bit of a shortlist sometime. No worries at all. Oh, fantastic. And with that one loaded, what what can you see there? There we go. That's the one. That's the old cover page for the statement of advice. We are cooking with gas, Shane. Can you please, for me, skip down about four pages to the scope of advice? There's three pages. One is what's considered, the next one is what's limited, and the other one is what's not being considered. Essentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up. And we did put in a few reminders for the estate planning side of things just to make sure, you know, you've got a will in place and so on. The insurances, we did conduct some research on income protection. We're trying to maintain the cover you've got with AustralianSuper, but not so much trying to refill the other funds with CareSuper. So I have got all of that researched and ready to go. And what we're not providing advice on is just cash flow and debt management in terms of paying off your mortgage. Budgeting advice at this point is not in this document. That sound fair enough? Perfect. Now into the sort of meat and potatoes of it, as you scroll down, you'll see a limited advice warning, which is exactly that. We're not advising on everything under the sun. And if any information we have is not accurate, that may impact the advice. We have the about you section on page seven, assets and liabilities on page eight, which we updated recently. After that is your hub Australian super and care super funds as well as that remaining insurance policy with Australian super. The main areas I wanted to break you down to was from pages 10 onwards and 11. You'll see the high growth risk profile, and you should see there's two pages for that. Second one has, like, a exploded pie chart kind of thing. Just gives you an example of what a portfolio looks like, and then you'll see a big wall of text on page 12, strategy recommendations. Can you see that one there? Cool. So what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said. You wanted to consolidate the Care Super, get that across. We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy. And then we've also included a portfolio update as well. I've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio. To update the Australian super investment option to be in line with your risk profile the same as the hub portfolio. So what I basically wanna do is I wanna get all of the funds in line with that high growth. We do have a bit of a form that we can prefill for you to update that one. But, basically, I wanna get both of them going as quickly as possible. And then once we've built up enough, then we scale the risk back when you're closer to return. So what that does in terms of actual figures and amounts, can you please go down to pages seventeen and eighteen for me? You will see a table for a fee comparison. Yep. So it should have a bunch of columns showing the current versus recommended and a difference, and you should see hub care Australian super, and then it goes down to just the two funds on the right hand side. Does that can you make that figures out? Cool. So what we're obviously gonna do is close down the CareSuper. You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the premiums. We've got a difference at the top right. You'll see a minus 584. This takes into account any kind of buy or sell costs for moving funds around or changing investments. It also takes into account capital gains tax inside the super under the hood. So when we update your portfolio gains and losses, there's a little bit of a superannuation tax hidden inside, and we do factor that into our projections as well. For your balance, 584 was basically negligible. If that was upwards of 5,000 or above, I would put a flag on it as a reason not to change investments. But as a proportion of your overall balance, that's very, very minimal to completely update everything. You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds. So you already make that back and more just in the first twelve months of fee reductions. In addition as well, we've got the five year rolling average at the bottom of that table. We'll go from 8% to 11, which factors in the performance of all the funds and the options that we're recommending. I have broken it down a little bit. Now please take this with a bit of a grain of salt because we will change your risk level over time, but the projection under that table shows we're expecting 1 to $300,000 better off over the next five to ten years if you were to maintain high growth for the full decade, that is, which I would probably turn it down a bit quicker than ten years. But if that was to continue, that's all. The last couple here that are important is the investment returns on the next page. We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of them. The main this will be page 18, and you'll see a red heading saying annualized investment returns. It's quite a small page. There's only one table on it. Returns. It's quite a small page. There's only one table on it. Basically, what I need to do for your risk profile, like I mentioned last week, is maintain double digit returns consistent. So it's gotta be that 10% above. I need to make sure that it's not just doing that every few years, but it's doing it across every time period while we're in that risk level. K? The last thing to go through last two, sorry, is the investments table below. I do apologize. There's quite a lot of figures on this one, but it is color coded. Red heading, blue table on the next page, investments, and you should see quite a few buyers and sales there. So if the Australian super moves to the high growth, we wanna maintain at least 8,000 or above for the insurances not to be at risk of lapsing. The options below in hub 24 at the bottom of that page are all the ones that I would like to update, whether that be a full removal or a slight rebalance back to the the usual 7%. The page after it will show all of the options that I would like to add into your portfolio. And you should see about five green ones there below. So the satellites, the small amounts going into a bit of Europe and Japan, that's just to get you exposures to those different areas. The main big ones for you is the last two. The BetaShares Australia two 100 is a low fee, passive replacement of that Benelon option that was doing quite poorly. The iShares composite bonds below that is a replacement of your bank hybrids that are being phased out over the next two years. K? What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation. The main thing here for high growth is you need to be between 90 to a 100% growth assets. When we're close to retirement, we'll taper you down to eighty, seventy, sixty, fifty, forty. But at this point, I just wanna shade you back up a little bit. And by getting it all into the high growth, we'll be sitting at around 93 and a half from just shy of 87 where you currently sit. So it's only a very small bump up because Australian Super needs to bump up to high growth, but the hub is basically staying the same in terms of risk level. The big risk mitigation that we're doing is just removing that bad apple option, which has just not performed the way we would expect and hope for. Get one in there that's a bit more consistent that doesn't have such wild swings. So, technically speaking, you're almost going to slightly lower risk than what you were before this document. K? So quick recap. Let's go from three funds to two, get everything in line with the high growth, fix up a few investment options, let that carry forward for a while, and then work on tapering risk off once you've built your funds. Drop the investment fees, improve the returns, very small brokerage fees, and CGT to actually do all of these transactions. Does that make sense? Do you like what we've come up with? Do you have any questions? Cool. I will if you obviously sign off on this, I'll run this for a little while. Keep an eye on it. Put in a few catch ups with you to see how things are going. Make sure it's going in the right direction and in line with your expectations. I have put in some reminders too for, like, beneficiary nominations, making sure we get all of that up to date. Please forgive me if I'm if I'm forgetting the conversation, but I think you're gonna give us some thought to who you would like to nominate. For the beneficiary nominations, for who the super goes to if you were to pass away. So if you have anyone that's a financial dependent, spouse, children, anyone that you're directly looking after financially, they can be a valid nominee. If it's anyone outside of those relationships, then it wouldn't be valid under the SIS Act. They call it the SIS Act, SIS. It's just the the legislation that governs who can receive superannuation benefits. Yeah. Adult children do count. The only difference is that the they don't count as a tax dependent, which means that they'll pay a small amount of tax when they receive the benefits, but they are valid nominees. Children do count even if they're adults. They just don't get the tax benefits if they were a minor. Would that be the way to go? Cool. What we normally do is link in, like, a a legally binding nomination. So the super fund has to do it. They do give you an option to do a nonbinding, so they they have discretion on who it goes to. And if you would like, we can make it a non lapsing so it doesn't expire after three years. It just continues on until you decide to change it. Would that be okay? Cool. I can get some forms sent out to you with a little bit of an instruction cover page. If you have any troubles with it, just call in, and we can walk you through them in two minutes flat. Just gonna so the taxes that they can get, no. Well, then it would be considered a large amount. I do apologize for the terminology. A portion of the super that remains in a taxable, untaxed component would be charged up to 15% plus the Medicare levy. Yeah. And depending on the underlying proportions, because some of the amounts that go in, it's they split it taxable, taxed, taxable, untaxed. There's the different components inside the super under the hood. When you transition into the kind of retirement phase in the sixties, that starts to slowly convert over, and we actually put it in into a tax free component where they won't pay that amount. It's mainly for if you were to pass away before the age of 60, a large proportion of that would cop about fifteen percent. Yeah. The only other thing which is quite a lot of work for not much benefit is you can set up, like, a a will where the super goes to your estate, then gets passed to the children there, and then they avoid the 2% Medicare levy. That's probably the only savings, but it's quite complex to set up. With those, they are legal documents. So the main thing is just making sure that you do, like, a wet signature with a pen. You get a couple of people. Any adults can witness it as long as they are not the beneficiaries. Does that make sense? Perfect. I did find out sorry. The rest of that document just covers wills, powers of attorney, and so on. The two things I wanted to just finish off on was the insurance research. We did find a single provider, a sender, who offers income protection for train drivers. It's called a dark blue rating. So you're you're alongside concreters, and the premiums were upwards of $8,000 per year. So I just want to flag sorry. Go ahead. In terms of that risk category, b rating or dark blue as they call it is kind of the riskiest category you go to before they start applying special conditions or don't offer cover. I think it just comes back to that conversation we had last week about ability to return to work if you have, you know, fingers, hands, broken legs, and so on. I do still find it strange now that you mentioned it in our last conversation, but everyone else was not offering the insurance at all. Yeah. Yeah. It's strange. The the riskier, quote, unquote, occupations have the most checks and balances, safety staff on-site, guardrails up, health checks, everything. Yeah. Walk on through. Yeah. I think the way they've explained it to me, like, the underwriters that do the health checks, which I don't necessarily agree with, but the way they explained it to me was that if I had a a shattered leg, I could still my work would let me come back and pop a headset on and do a few phone calls. But a lot of the, again, surgeons and, yeah, working from home don't even have to drive. Whereas surgeons and pilots and things like that, they would just be like, no. You just can't come on-site until you've got to return to work and health and fitness and all that kind of thing. I do find it silly. I do agree. But like I said, I've checked every single insurer in the country, found one, but it just does not seem to be much much of a benefit for cost that I can see. If it was 2,000, maybe. I have included that there, so it's an option, but I haven't recommended it at this point. Cool. The last thing to go over to is I've included the updated service guides with Oakview. I did mention last week that we've changed over to that tiered fee structure. So above 200,000, I get the percentage discount from 1.6 five to 1.37. And then above 500,000, it goes to 1.1. So I held off on sending any documents through last week until we had the new one in place for you so you can start to receive the discounts as well for us. K? Again, half of these documents are just to keep on file. If you're comfortable with what I've come up with, you basically just need to sign the authority on the statement of advice and the consent form for the super funds, and that's it. It's just those two. Everything else is just for your records. I also do appreciate you taking my call because of the technical mix up there and going through this with me because I would hate to just kind of send you a a document full of jargon and leave you to your devices. I would much rather go through it, answer any questions that you have. And just wondering if you do have any any questions at this point. Yeah. Correct. If possible, when you go in there, you don't have to scroll through every single document. There's usually, like, a get started bit at the top, and it will bring you to the sections to stamp the signature and the date and the name on. And then it will just say next document, next document. Once you get to the end, there will just be a validate button. It'll probably take a good minute to to do the spinning circle to load, And then that way, it'll send you a signed copy and one through to us as well. Awesome. I do wanna put on your file as well in terms of next catch ups. Do you want me to put in for a catch up before the end of the year, just for the next annual review, quarterly? What would be your preference? Yep. I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time. Awesome, Shane. I'll get Michelle to send out those beneficiary forms. Again, give us a buzz if you need any help with them. And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday. Awesome. Any questions for me, mate? Cool. Alrighty. At least within thirty days because they do expire all of the data that we use. So hopefully within thirty days, but we can't change anything until we've got your consent. Awesome. Thank you so much for that, Shane, and sorry again for the mix up the an hour ago. Awesome, mate. Thank you so much for your time, and I'll talk to you soon. See you, mate. 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day, Shane. It's Tommy here from Oakview, mate. I'm so sorry. Do you have a quick second? Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM.\n\nI was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you. Perfect. So what I'll do is I will shoot the documents out to you for that updated strategy. Will you be able to look onto it with me now, or should I just kind of give you a bit of through? Perfect.\n\nPerfect. So that will come through pretty quickly. If this is your first time using the new system, it may go to your spam folder, but I'll shoot that through. Just while that's coming through, mate, could I just confirm for security your date of birth and address? Perfect.\n\nThank you so much for that. And are you okay for the call to be recorded? Amazing. So what I've sent you through is the statement of advice with all of the updates we talked about last week. I have included quite a few product documents as well, which are just kind of for you to keep on file, just updates with Hub twenty four, Oakview Financial, and so on, and Australian Super.\n\nBut can you see a statement of advice email? Cool. Now when you pop that open, there should be a blue button. It does say, like, to start the signing process, but it just brings open the documents for you to peruse. Yep.\n\nAnd if you hit that, it should open up. There is, sorry, three, six, seven, eight documents there, but it should open the first one, which is like a beachfront city Gold Coast picture. And it should be labeled statement of advice. Yeah. That's alright.\n\nSometimes because there's a a thousand pages, it can sometimes take a minute to load. There's quite a lot that goes along with it. I do apologize. Is it is it doing a bit of a circle loading thing, or what's what's popped up for you there, mate? Oh, right.\n\nSo what I might do is I'll kinda give you the cliff notes and then leave it with you when you've got a bit more access to look at it. Is that okay? Yeah. Go for it. Ah, I need to actually take down which browsers are best for this system and which ones are I haven't had too many issues with them, but might do a bit of a shortlist sometime.\n\nNo worries at all. Oh, fantastic. And with that one loaded, what what can you see there? There we go. That's the one.\n\nThat's the old cover page for the statement of advice. We are cooking with gas, Shane. Can you please, for me, skip down about four pages to the scope of advice? There's three pages. One is what's considered, the next one is what's limited, and the other one is what's not being considered.\n\nEssentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up. And we did put in a few reminders for the estate planning side of things just to make sure, you know, you've got a will in place and so on. The insurances, we did conduct some research on income protection. We're trying to maintain the cover you've got with AustralianSuper, but not so much trying to refill the other funds with CareSuper. So I have got all of that researched and ready to go.\n\nAnd what we're not providing advice on is just cash flow and debt management in terms of paying off your mortgage. Budgeting advice at this point is not in this document. That sound fair enough? Perfect. Now into the sort of meat and potatoes of it, as you scroll down, you'll see a limited advice warning, which is exactly that.\n\nWe're not advising on everything under the sun. And if any information we have is not accurate, that may impact the advice. We have the about you section on page seven, assets and liabilities on page eight, which we updated recently. After that is your hub Australian super and care super funds as well as that remaining insurance policy with Australian super. The main areas I wanted to break you down to was from pages 10 onwards and 11.\n\nYou'll see the high growth risk profile, and you should see there's two pages for that. Second one has, like, a exploded pie chart kind of thing. Just gives you an example of what a portfolio looks like, and then you'll see a big wall of text on page 12, strategy recommendations. Can you see that one there? Cool.\n\nSo what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said. You wanted to consolidate the Care Super, get that across. We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy. And then we've also included a portfolio update as well. I've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio.\n\nTo update the Australian super investment option to be in line with your risk profile the same as the hub portfolio. So what I basically wanna do is I wanna get all of the funds in line with that high growth. We do have a bit of a form that we can prefill for you to update that one. But, basically, I wanna get both of them going as quickly as possible. And then once we've built up enough, then we scale the risk back when you're closer to return.\n\nSo what that does in terms of actual figures and amounts, can you please go down to pages seventeen and eighteen for me? You will see a table for a fee comparison. Yep. So it should have a bunch of columns showing the current versus recommended and a difference, and you should see hub care Australian super, and then it goes down to just the two funds on the right hand side. Does that can you make that figures out?\n\nCool. So what we're obviously gonna do is close down the CareSuper. You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the premiums. We've got a difference at the top right. You'll see a minus 584.\n\nThis takes into account any kind of buy or sell costs for moving funds around or changing investments. It also takes into account capital gains tax inside the super under the hood. So when we update your portfolio gains and losses, there's a little bit of a superannuation tax hidden inside, and we do factor that into our projections as well. For your balance, 584 was basically negligible. If that was upwards of 5,000 or above, I would put a flag on it as a reason not to change investments.\n\nBut as a proportion of your overall balance, that's very, very minimal to completely update everything. You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds. So you already make that back and more just in the first twelve months of fee reductions. In addition as well, we've got the five year rolling average at the bottom of that table. We'll go from 8% to 11, which factors in the performance of all the funds and the options that we're recommending.\n\nI have broken it down a little bit. Now please take this with a bit of a grain of salt because we will change your risk level over time, but the projection under that table shows we're expecting 1 to $300,000 better off over the next five to ten years if you were to maintain high growth for the full decade, that is, which I would probably turn it down a bit quicker than ten years. But if that was to continue, that's all. The last couple here that are important is the investment returns on the next page. We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of them.\n\nThe main this will be page 18, and you'll see a red heading saying annualized investment returns. It's quite a small page. There's only one table on it. Returns. It's quite a small page.\n\nThere's only one table on it. Basically, what I need to do for your risk profile, like I mentioned last week, is maintain double digit returns consistent. So it's gotta be that 10% above. I need to make sure that it's not just doing that every few years, but it's doing it across every time period while we're in that risk level. K?\n\nThe last thing to go through last two, sorry, is the investments table below. I do apologize. There's quite a lot of figures on this one, but it is color coded. Red heading, blue table on the next page, investments, and you should see quite a few buyers and sales there. So if the Australian super moves to the high growth, we wanna maintain at least 8,000 or above for the insurances not to be at risk of lapsing.\n\nThe options below in hub 24 at the bottom of that page are all the ones that I would like to update, whether that be a full removal or a slight rebalance back to the the usual 7%. The page after it will show all of the options that I would like to add into your portfolio. And you should see about five green ones there below. So the satellites, the small amounts going into a bit of Europe and Japan, that's just to get you exposures to those different areas. The main big ones for you is the last two.\n\nThe BetaShares Australia two 100 is a low fee, passive replacement of that Benelon option that was doing quite poorly. The iShares composite bonds below that is a replacement of your bank hybrids that are being phased out over the next two years. K? What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation. The main thing here for high growth is you need to be between 90 to a 100% growth assets.\n\nWhen we're close to retirement, we'll taper you down to eighty, seventy, sixty, fifty, forty. But at this point, I just wanna shade you back up a little bit. And by getting it all into the high growth, we'll be sitting at around 93 and a half from just shy of 87 where you currently sit. So it's only a very small bump up because Australian Super needs to bump up to high growth, but the hub is basically staying the same in terms of risk level. The big risk mitigation that we're doing is just removing that bad apple option, which has just not performed the way we would expect and hope for.\n\nGet one in there that's a bit more consistent that doesn't have such wild swings. So, technically speaking, you're almost going to slightly lower risk than what you were before this document. K? So quick recap. Let's go from three funds to two, get everything in line with the high growth, fix up a few investment options, let that carry forward for a while, and then work on tapering risk off once you've built your funds.\n\nDrop the investment fees, improve the returns, very small brokerage fees, and CGT to actually do all of these transactions. Does that make sense? Do you like what we've come up with? Do you have any questions? Cool.\n\nI will if you obviously sign off on this, I'll run this for a little while. Keep an eye on it. Put in a few catch ups with you to see how things are going. Make sure it's going in the right direction and in line with your expectations. I have put in some reminders too for, like, beneficiary nominations, making sure we get all of that up to date.\n\nPlease forgive me if I'm if I'm forgetting the conversation, but I think you're gonna give us some thought to who you would like to nominate. For the beneficiary nominations, for who the super goes to if you were to pass away. So if you have anyone that's a financial dependent, spouse, children, anyone that you're directly looking after financially, they can be a valid nominee. If it's anyone outside of those relationships, then it wouldn't be valid under the SIS Act. They call it the SIS Act, SIS.\n\nIt's just the the legislation that governs who can receive superannuation benefits. Yeah. Adult children do count. The only difference is that the they don't count as a tax dependent, which means that they'll pay a small amount of tax when they receive the benefits, but they are valid nominees. Children do count even if they're adults.\n\nThey just don't get the tax benefits if they were a minor. Would that be the way to go? Cool. What we normally do is link in, like, a a legally binding nomination. So the super fund has to do it.\n\nThey do give you an option to do a nonbinding, so they they have discretion on who it goes to. And if you would like, we can make it a non lapsing so it doesn't expire after three years. It just continues on until you decide to change it. Would that be okay? Cool.\n\nI can get some forms sent out to you with a little bit of an instruction cover page. If you have any troubles with it, just call in, and we can walk you through them in two minutes flat. Just gonna so the taxes that they can get, no. Well, then it would be considered a large amount. I do apologize for the terminology.\n\nA portion of the super that remains in a taxable, untaxed component would be charged up to 15% plus the Medicare levy. Yeah. And depending on the underlying proportions, because some of the amounts that go in, it's they split it taxable, taxed, taxable, untaxed. There's the different components inside the super under the hood. When you transition into the kind of retirement phase in the sixties, that starts to slowly convert over, and we actually put it in into a tax free component where they won't pay that amount.\n\nIt's mainly for if you were to pass away before the age of 60, a large proportion of that would cop about fifteen percent. Yeah. The only other thing which is quite a lot of work for not much benefit is you can set up, like, a a will where the super goes to your estate, then gets passed to the children there, and then they avoid the 2% Medicare levy. That's probably the only savings, but it's quite complex to set up. With those, they are legal documents.\n\nSo the main thing is just making sure that you do, like, a wet signature with a pen. You get a couple of people. Any adults can witness it as long as they are not the beneficiaries. Does that make sense? Perfect.\n\nI did find out sorry. The rest of that document just covers wills, powers of attorney, and so on. The two things I wanted to just finish off on was the insurance research. We did find a single provider, a sender, who offers income protection for train drivers. It's called a dark blue rating.\n\nSo you're you're alongside concreters, and the premiums were upwards of $8,000 per year. So I just want to flag sorry. Go ahead. In terms of that risk category, b rating or dark blue as they call it is kind of the riskiest category you go to before they start applying special conditions or don't offer cover. I think it just comes back to that conversation we had last week about ability to return to work if you have, you know, fingers, hands, broken legs, and so on.\n\nI do still find it strange now that you mentioned it in our last conversation, but everyone else was not offering the insurance at all. Yeah. Yeah. It's strange. The the riskier, quote, unquote, occupations have the most checks and balances, safety staff on-site, guardrails up, health checks, everything.\n\nYeah. Walk on through. Yeah. I think the way they've explained it to me, like, the underwriters that do the health checks, which I don't necessarily agree with, but the way they explained it to me was that if I had a a shattered leg, I could still my work would let me come back and pop a headset on and do a few phone calls. But a lot of the, again, surgeons and, yeah, working from home don't even have to drive.\n\nWhereas surgeons and pilots and things like that, they would just be like, no. You just can't come on-site until you've got to return to work and health and fitness and all that kind of thing. I do find it silly. I do agree. But like I said, I've checked every single insurer in the country, found one, but it just does not seem to be much much of a benefit for cost that I can see.\n\nIf it was 2,000, maybe. I have included that there, so it's an option, but I haven't recommended it at this point. Cool. The last thing to go over to is I've included the updated service guides with Oakview. I did mention last week that we've changed over to that tiered fee structure.\n\nSo above 200,000, I get the percentage discount from 1.6 five to 1.37. And then above 500,000, it goes to 1.1. So I held off on sending any documents through last week until we had the new one in place for you so you can start to receive the discounts as well for us. K? Again, half of these documents are just to keep on file.\n\nIf you're comfortable with what I've come up with, you basically just need to sign the authority on the statement of advice and the consent form for the super funds, and that's it. It's just those two. Everything else is just for your records. I also do appreciate you taking my call because of the technical mix up there and going through this with me because I would hate to just kind of send you a a document full of jargon and leave you to your devices. I would much rather go through it, answer any questions that you have.\n\nAnd just wondering if you do have any any questions at this point. Yeah. Correct. If possible, when you go in there, you don't have to scroll through every single document. There's usually, like, a get started bit at the top, and it will bring you to the sections to stamp the signature and the date and the name on.\n\nAnd then it will just say next document, next document. Once you get to the end, there will just be a validate button. It'll probably take a good minute to to do the spinning circle to load, And then that way, it'll send you a signed copy and one through to us as well. Awesome. I do wanna put on your file as well in terms of next catch ups.\n\nDo you want me to put in for a catch up before the end of the year, just for the next annual review, quarterly? What would be your preference? Yep. I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time. Awesome, Shane.\n\nI'll get Michelle to send out those beneficiary forms. Again, give us a buzz if you need any help with them. And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday. Awesome. Any questions for me, mate?\n\nCool. Alrighty. At least within thirty days because they do expire all of the data that we use. So hopefully within thirty days, but we can't change anything until we've got your consent. Awesome.\n\nThank you so much for that, Shane, and sorry again for the mix up the an hour ago. Awesome, mate. Thank you so much for your time, and I'll talk to you soon. See you, mate. Cheers.","paragraphs":[{"sentences":[{"text":"Good day, Shane.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.3195199767748515},{"text":"It's Tommy here from Oakview, mate.","start":3.6,"end":5.2,"sentiment":"neutral","sentiment_score":0.11790697773297627},{"text":"I'm so sorry.","start":5.2,"end":6.0,"sentiment":"neutral","sentiment_score":-0.16038490583499274},{"text":"Do you have a quick second?","start":6.0,"end":7.14,"sentiment":"neutral","sentiment_score":-0.12111345181862514},{"text":"Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM.","start":8.88,"end":22.064999,"sentiment":"neutral","sentiment_score":-0.2039578343300443}],"sentiment":"neutral","sentiment_score":-0.1302184167185,"num_words":56,"start":2.8799999,"end":22.064999},{"sentences":[{"text":"I was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you.","start":22.525,"end":27.985,"sentiment":"neutral","sentiment_score":-0.14096069371416456},{"text":"Perfect.","start":30.25,"end":30.49,"sentiment":"neutral","sentiment_score":0.2107475996017456},{"text":"So what I'll do is I will shoot the documents out to you for that updated strategy.","start":30.49,"end":35.63,"sentiment":"neutral","sentiment_score":0.14226602193187265},{"text":"Will you be able to look onto it with me now, or should I just kind of give you a bit of through?","start":36.33,"end":40.43,"sentiment":"neutral","sentiment_score":0.0727302571353705},{"text":"Perfect.","start":45.05,"end":45.45,"sentiment":"neutral","sentiment_score":0.17669402062892914}],"sentiment":"neutral","sentiment_score":0.024104529193469455,"num_words":63,"start":22.525,"end":45.45},{"sentences":[{"text":"Perfect.","start":45.45,"end":45.95,"sentiment":"neutral","sentiment_score":0.213065505027771},{"text":"So that will come through pretty quickly.","start":46.115,"end":49.175,"sentiment":"neutral","sentiment_score":0.15547554620674678},{"text":"If this is your first time using the new system, it may go to your spam folder, but I'll shoot that through.","start":49.555,"end":55.815,"sentiment":"neutral","sentiment_score":-0.03188178942284801},{"text":"Just while that's coming through, mate, could I just confirm for security your date of birth and address?","start":57.475,"end":62.71,"sentiment":"neutral","sentiment_score":0.05434869695454836},{"text":"Perfect.","start":68.61,"end":69.11,"sentiment":"positive","sentiment_score":0.3879058361053467}],"sentiment":"neutral","sentiment_score":0.040126068213460396,"num_words":49,"start":45.45,"end":69.11},{"sentences":[{"text":"Thank you so much for that.","start":69.65,"end":70.69,"sentiment":"positive","sentiment_score":0.5874243974685669},{"text":"And are you okay for the call to be recorded?","start":70.69,"end":72.549995,"sentiment":"neutral","sentiment_score":0.22165367752313614},{"text":"Amazing.","start":74.13,"end":74.63,"sentiment":"positive","sentiment_score":0.3545605540275574},{"text":"So what I've sent you through is the statement of advice with all of the updates we talked about last week.","start":74.895,"end":80.195,"sentiment":"neutral","sentiment_score":0.24164395601976485},{"text":"I have included quite a few product documents as well, which are just kind of for you to keep on file, just updates with Hub twenty four, Oakview Financial, and so on, and Australian Super.","start":80.975,"end":93.6,"sentiment":"neutral","sentiment_score":0.19810598833220347}],"sentiment":"neutral","sentiment_score":0.24799830660428088,"num_words":73,"start":69.65,"end":93.6},{"sentences":[{"text":"But can you see a statement of advice email?","start":93.74,"end":96.71999,"sentiment":"neutral","sentiment_score":0.04108596179220411},{"text":"Cool.","start":99.899994,"end":100.395,"sentiment":"neutral","sentiment_score":0.1797979772090912},{"text":"Now when you pop that open, there should be a blue button.","start":100.475,"end":103.295,"sentiment":"neutral","sentiment_score":0.13080375269055367},{"text":"It does say, like, to start the signing process, but it just brings open the documents for you to peruse.","start":103.59499,"end":109.534996,"sentiment":"neutral","sentiment_score":0.13796282671391963},{"text":"Yep.","start":114.57,"end":114.81,"sentiment":"neutral","sentiment_score":0.11508842557668686}],"sentiment":"neutral","sentiment_score":0.11612934012745701,"num_words":43,"start":93.74,"end":114.81},{"sentences":[{"text":"And if you hit that, it should open up.","start":114.81,"end":116.81,"sentiment":"neutral","sentiment_score":0.11291318552361594},{"text":"There is, sorry, three, six, seven, eight documents there, but it should open the first one, which is like a beachfront city Gold Coast picture.","start":116.81,"end":125.47,"sentiment":"neutral","sentiment_score":0.08921378843486309},{"text":"And it should be labeled statement of advice.","start":129.13,"end":131.79501,"sentiment":"neutral","sentiment_score":0.05059383250772953},{"text":"Yeah.","start":145.25,"end":145.41,"sentiment":"neutral","sentiment_score":0.016840530559420586},{"text":"That's alright.","start":145.41,"end":145.81,"sentiment":"neutral","sentiment_score":0.02596656233072281}],"sentiment":"neutral","sentiment_score":0.08266861546370718,"num_words":45,"start":114.81,"end":145.81},{"sentences":[{"text":"Sometimes because there's a a thousand pages, it can sometimes take a minute to load.","start":145.81,"end":150.47,"sentiment":"neutral","sentiment_score":-0.1752075826128324},{"text":"There's quite a lot that goes along with it.","start":151.41,"end":153.17,"sentiment":"neutral","sentiment_score":-0.2433139814270867},{"text":"I do apologize.","start":153.17,"end":153.98999,"sentiment":"neutral","sentiment_score":-0.139552041888237},{"text":"Is it is it doing a bit of a circle loading thing, or what's what's popped up for you there, mate?","start":200.75,"end":205.81,"sentiment":"neutral","sentiment_score":-0.024392427787894293},{"text":"Oh, right.","start":208.03,"end":209.315,"sentiment":"neutral","sentiment_score":0.052829304710030556}],"sentiment":"neutral","sentiment_score":-0.11286356143653392,"num_words":50,"start":145.81,"end":209.315},{"sentences":[{"text":"So what I might do is I'll kinda give you the cliff notes and then leave it with you when you've got a bit more access to look at it.","start":210.255,"end":218.095,"sentiment":"neutral","sentiment_score":0.11210657966633637},{"text":"Is that okay?","start":218.095,"end":218.99501,"sentiment":"neutral","sentiment_score":0.11260214447975159},{"text":"Yeah.","start":223.85,"end":224.09001,"sentiment":"neutral","sentiment_score":0.01725936308503151},{"text":"Go for it.","start":224.09001,"end":228.43001,"sentiment":"neutral","sentiment_score":-0.009656151135762533},{"text":"Ah, I need to actually take down which browsers are best for this system and which ones are I haven't had too many issues with them, but might do a bit of a shortlist sometime.","start":239.515,"end":249.695,"sentiment":"neutral","sentiment_score":-0.04064706287213734}],"sentiment":"neutral","sentiment_score":0.031481215730309486,"num_words":72,"start":210.255,"end":249.695},{"sentences":[{"text":"No worries at all.","start":262.41,"end":263.71,"sentiment":"neutral","sentiment_score":0.06559783034026623},{"text":"Oh, fantastic.","start":335.29,"end":336.03,"sentiment":"positive","sentiment_score":0.4920152723789215},{"text":"And with that one loaded, what what can you see there?","start":337.93,"end":341.805,"sentiment":"neutral","sentiment_score":0.1951878605918451},{"text":"There we go.","start":347.145,"end":347.785,"sentiment":"neutral","sentiment_score":0.033320862179001175},{"text":"That's the one.","start":347.785,"end":348.425,"sentiment":"neutral","sentiment_score":0.03331399212280909}],"sentiment":"neutral","sentiment_score":0.15623447371889715,"num_words":23,"start":262.41,"end":348.425},{"sentences":[{"text":"That's the old cover page for the statement of advice.","start":348.425,"end":351.565,"sentiment":"neutral","sentiment_score":0.032707680761814115},{"text":"We are cooking with gas, Shane.","start":351.625,"end":353.805,"sentiment":"neutral","sentiment_score":0.06495320176084836},{"text":"Can you please, for me, skip down about four pages to the scope of advice?","start":355.86002,"end":361.0,"sentiment":"neutral","sentiment_score":0.04788975802560647},{"text":"There's three pages.","start":361.46,"end":362.68,"sentiment":"neutral","sentiment_score":-0.045520188907782234},{"text":"One is what's considered, the next one is what's limited, and the other one is what's not being considered.","start":363.22,"end":369.05502,"sentiment":"neutral","sentiment_score":-0.12256761816771407}],"sentiment":"neutral","sentiment_score":-0.019437791006463877,"num_words":53,"start":348.425,"end":369.05502},{"sentences":[{"text":"Essentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up.","start":370.875,"end":380.655,"sentiment":"neutral","sentiment_score":-0.01875730000075794},{"text":"And we did put in a few reminders for the estate planning side of things just to make sure, you know, you've got a will in place and so on.","start":381.07,"end":388.93002,"sentiment":"neutral","sentiment_score":0.13684718782703081},{"text":"The insurances, we did conduct some research on income protection.","start":390.83002,"end":395.57,"sentiment":"neutral","sentiment_score":0.1566971004009247},{"text":"We're trying to maintain the cover you've got with AustralianSuper, but not so much trying to refill the other funds with CareSuper.","start":396.645,"end":406.185,"sentiment":"neutral","sentiment_score":0.14280956136909398},{"text":"So I have got all of that researched and ready to go.","start":407.04498,"end":410.73,"sentiment":"positive","sentiment_score":0.4938846106330554}],"sentiment":"neutral","sentiment_score":0.1348508192048896,"num_words":105,"start":370.875,"end":410.73},{"sentences":[{"text":"And what we're not providing advice on is just cash flow and debt management in terms of paying off your mortgage.","start":410.97,"end":417.47,"sentiment":"negative","sentiment_score":-0.3964759067055725},{"text":"Budgeting advice at this point is not in this document.","start":418.49002,"end":421.55002,"sentiment":"negative","sentiment_score":-0.352669358253479},{"text":"That sound fair enough?","start":423.93002,"end":424.875,"sentiment":"neutral","sentiment_score":0.07520069740712643},{"text":"Perfect.","start":426.555,"end":427.055,"sentiment":"positive","sentiment_score":0.4288255274295807},{"text":"Now into the sort of meat and potatoes of it, as you scroll down, you'll see a limited advice warning, which is exactly that.","start":427.195,"end":433.595,"sentiment":"neutral","sentiment_score":-0.01939972001127899}],"sentiment":"neutral","sentiment_score":-0.1931442097760737,"num_words":60,"start":410.97,"end":433.595},{"sentences":[{"text":"We're not advising on everything under the sun.","start":433.595,"end":435.915,"sentiment":"neutral","sentiment_score":-0.30099640041589737},{"text":"And if any information we have is not accurate, that may impact the advice.","start":435.915,"end":440.175,"sentiment":"negative","sentiment_score":-0.3487889458026205},{"text":"We have the about you section on page seven, assets and liabilities on page eight, which we updated recently.","start":440.81,"end":450.27,"sentiment":"neutral","sentiment_score":-0.022506560640115487},{"text":"After that is your hub Australian super and care super funds as well as that remaining insurance policy with Australian super.","start":451.37,"end":461.21503,"sentiment":"neutral","sentiment_score":0.0059534761877287},{"text":"The main areas I wanted to break you down to was from pages 10 onwards and 11.","start":462.55502,"end":467.935,"sentiment":"neutral","sentiment_score":0.018336197690052146}],"sentiment":"neutral","sentiment_score":-0.09217598400066924,"num_words":79,"start":433.595,"end":467.935},{"sentences":[{"text":"You'll see the high growth risk profile, and you should see there's two pages for that.","start":468.475,"end":476.46,"sentiment":"neutral","sentiment_score":-0.0019253272912465036},{"text":"Second one has, like, a exploded pie chart kind of thing.","start":476.46,"end":479.34,"sentiment":"neutral","sentiment_score":0.03895108638839288},{"text":"Just gives you an example of what a portfolio looks like, and then you'll see a big wall of text on page 12, strategy recommendations.","start":479.34,"end":487.245,"sentiment":"neutral","sentiment_score":0.04414992779493332},{"text":"Can you see that one there?","start":487.54498,"end":488.76498,"sentiment":"neutral","sentiment_score":0.026839314959943295},{"text":"Cool.","start":490.745,"end":491.22498,"sentiment":"neutral","sentiment_score":0.27871739864349365}],"sentiment":"neutral","sentiment_score":0.03290098638794685,"num_words":59,"start":468.475,"end":491.22498},{"sentences":[{"text":"So what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said.","start":491.22498,"end":496.76498,"sentiment":"neutral","sentiment_score":0.22707028451718783},{"text":"You wanted to consolidate the Care Super, get that across.","start":497.145,"end":500.76498,"sentiment":"neutral","sentiment_score":0.21560661494731903},{"text":"We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy.","start":501.41,"end":509.99,"sentiment":"neutral","sentiment_score":0.19238038822298958},{"text":"And then we've also included a portfolio update as well.","start":510.37,"end":515.27,"sentiment":"neutral","sentiment_score":0.21642379686236382},{"text":"I've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio.","start":516.485,"end":524.905,"sentiment":"neutral","sentiment_score":0.24398805238306523}],"sentiment":"neutral","sentiment_score":0.21942985905334353,"num_words":80,"start":491.22498,"end":524.905},{"sentences":[{"text":"To update the Australian super investment option to be in line with your risk profile the same as the hub portfolio.","start":532.82,"end":539.80005,"sentiment":"neutral","sentiment_score":0.12120298331692106},{"text":"So what I basically wanna do is I wanna get all of the funds in line with that high growth.","start":542.725,"end":546.825,"sentiment":"positive","sentiment_score":0.4555178090929985},{"text":"We do have a bit of a form that we can prefill for you to update that one.","start":547.445,"end":551.685,"sentiment":"positive","sentiment_score":0.3387746761242549},{"text":"But, basically, I wanna get both of them going as quickly as possible.","start":551.685,"end":554.905,"sentiment":"positive","sentiment_score":0.44258731603622437},{"text":"And then once we've built up enough, then we scale the risk back when you're closer to return.","start":555.045,"end":560.04,"sentiment":"neutral","sentiment_score":0.29774992913007736}],"sentiment":"neutral","sentiment_score":0.3207410759396023,"num_words":90,"start":532.82,"end":560.04},{"sentences":[{"text":"So what that does in terms of actual figures and amounts, can you please go down to pages seventeen and eighteen for me?","start":562.5,"end":569.235,"sentiment":"neutral","sentiment_score":0.11067784156488336},{"text":"You will see a table for a fee comparison.","start":569.555,"end":572.135,"sentiment":"neutral","sentiment_score":0.055773509873284235},{"text":"Yep.","start":578.355,"end":578.855,"sentiment":"neutral","sentiment_score":0.13079385459423065},{"text":"So it should have a bunch of columns showing the current versus recommended and a difference, and you should see hub care Australian super, and then it goes down to just the two funds on the right hand side.","start":578.995,"end":590.76,"sentiment":"neutral","sentiment_score":0.12188677862286568},{"text":"Does that can you make that figures out?","start":590.76,"end":592.7,"sentiment":"neutral","sentiment_score":0.07013295870274305}],"sentiment":"neutral","sentiment_score":0.10616242294199765,"num_words":80,"start":562.5,"end":592.7},{"sentences":[{"text":"Cool.","start":594.44,"end":594.92,"sentiment":"positive","sentiment_score":0.41767245531082153},{"text":"So what we're obviously gonna do is close down the CareSuper.","start":594.92,"end":598.425,"sentiment":"neutral","sentiment_score":0.22837913713671945},{"text":"You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the premiums.","start":599.365,"end":606.745,"sentiment":"neutral","sentiment_score":0.23382561653852463},{"text":"We've got a difference at the top right.","start":608.40497,"end":610.74,"sentiment":"neutral","sentiment_score":0.07291570771485567},{"text":"You'll see a minus 584.","start":610.74,"end":613.48,"sentiment":"neutral","sentiment_score":0.06694478914141655}],"sentiment":"neutral","sentiment_score":0.18626019172370434,"num_words":42,"start":594.44,"end":613.48},{"sentences":[{"text":"This takes into account any kind of buy or sell costs for moving funds around or changing investments.","start":614.01996,"end":620.36,"sentiment":"neutral","sentiment_score":0.03141064072648684},{"text":"It also takes into account capital gains tax inside the super under the hood.","start":620.98,"end":627.15497,"sentiment":"neutral","sentiment_score":0.05658075798835073},{"text":"So when we update your portfolio gains and losses, there's a little bit of a superannuation tax hidden inside, and we do factor that into our projections as well.","start":627.45496,"end":637.71497,"sentiment":"neutral","sentiment_score":0.05165718168277165},{"text":"For your balance, 584 was basically negligible.","start":639.48,"end":642.54,"sentiment":"neutral","sentiment_score":-0.23818449888910567},{"text":"If that was upwards of 5,000 or above, I would put a flag on it as a reason not to change investments.","start":643.39996,"end":649.5,"sentiment":"negative","sentiment_score":-0.33837668326768006}],"sentiment":"neutral","sentiment_score":-0.06951109011554056,"num_words":90,"start":614.01996,"end":649.5},{"sentences":[{"text":"But as a proportion of your overall balance, that's very, very minimal to completely update everything.","start":649.95996,"end":655.465,"sentiment":"neutral","sentiment_score":-0.3147754627279937},{"text":"You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds.","start":658.085,"end":668.73,"sentiment":"positive","sentiment_score":0.5607468640804291},{"text":"So you already make that back and more just in the first twelve months of fee reductions.","start":668.97,"end":673.70996,"sentiment":"positive","sentiment_score":0.6281784632626701},{"text":"In addition as well, we've got the five year rolling average at the bottom of that table.","start":676.73,"end":682.26996,"sentiment":"positive","sentiment_score":0.5655528254368726},{"text":"We'll go from 8% to 11, which factors in the performance of all the funds and the options that we're recommending.","start":682.41,"end":691.215,"sentiment":"positive","sentiment_score":0.4882375867593856}],"sentiment":"positive","sentiment_score":0.41175713987710577,"num_words":96,"start":649.95996,"end":691.215},{"sentences":[{"text":"I have broken it down a little bit.","start":694.075,"end":695.59503,"sentiment":"neutral","sentiment_score":0.09290940593928099},{"text":"Now please take this with a bit of a grain of salt because we will change your risk level over time, but the projection under that table shows we're expecting 1 to $300,000 better off over the next five to ten years if you were to maintain high growth for the full decade, that is, which I would probably turn it down a bit quicker than ten years.","start":695.59503,"end":717.375,"sentiment":"neutral","sentiment_score":-0.02932703056756188},{"text":"But if that was to continue, that's all.","start":717.375,"end":720.19495,"sentiment":"neutral","sentiment_score":-0.18231926718726754},{"text":"The last couple here that are important is the investment returns on the next page.","start":723.21497,"end":727.44,"sentiment":"neutral","sentiment_score":0.17245489458243052},{"text":"We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of them.","start":728.0,"end":747.645,"sentiment":"neutral","sentiment_score":0.20109372728682579}],"sentiment":"neutral","sentiment_score":0.0638952851550628,"num_words":146,"start":694.075,"end":747.645},{"sentences":[{"text":"The main this will be page 18, and you'll see a red heading saying annualized investment returns.","start":750.825,"end":756.12964,"sentiment":"neutral","sentiment_score":-0.008310358752222621},{"text":"It's quite a small page.","start":756.12964,"end":756.1604,"sentiment":"neutral","sentiment_score":-0.08455477505922318},{"text":"There's only one table on it.","start":756.1604,"end":756.765,"sentiment":"neutral","sentiment_score":-0.05000152656187614},{"text":"Returns.","start":757.92,"end":758.42,"sentiment":"neutral","sentiment_score":-0.007631659507751465},{"text":"It's quite a small page.","start":758.64,"end":759.83997,"sentiment":"neutral","sentiment_score":-0.06060023009777069}],"sentiment":"neutral","sentiment_score":-0.03454976304269889,"num_words":34,"start":750.825,"end":759.83997},{"sentences":[{"text":"There's only one table on it.","start":759.83997,"end":761.7,"sentiment":"neutral","sentiment_score":-0.036327267065644264},{"text":"Basically, what I need to do for your risk profile, like I mentioned last week, is maintain double digit returns consistent.","start":763.92,"end":770.98,"sentiment":"neutral","sentiment_score":0.10198706565868287},{"text":"So it's gotta be that 10% above.","start":771.12,"end":773.38,"sentiment":"neutral","sentiment_score":0.14006809783833368},{"text":"I need to make sure that it's not just doing that every few years, but it's doing it across every time period while we're in that risk level.","start":773.925,"end":780.265,"sentiment":"neutral","sentiment_score":0.07621814989085708},{"text":"K?","start":781.84503,"end":782.34503,"sentiment":"neutral","sentiment_score":-0.007879476994276047}],"sentiment":"neutral","sentiment_score":0.07984873303581798,"num_words":63,"start":759.83997,"end":782.34503},{"sentences":[{"text":"The last thing to go through last two, sorry, is the investments table below.","start":782.805,"end":787.545,"sentiment":"neutral","sentiment_score":-0.021096061915159225},{"text":"I do apologize.","start":788.13,"end":788.93005,"sentiment":"neutral","sentiment_score":-0.11076854666074117},{"text":"There's quite a lot of figures on this one, but it is color coded.","start":788.93005,"end":792.39,"sentiment":"neutral","sentiment_score":-0.02371278458407947},{"text":"Red heading, blue table on the next page, investments, and you should see quite a few buyers and sales there.","start":793.25,"end":800.63,"sentiment":"neutral","sentiment_score":0.19524688236415386},{"text":"So if the Australian super moves to the high growth, we wanna maintain at least 8,000 or above for the insurances not to be at risk of lapsing.","start":802.725,"end":812.105,"sentiment":"neutral","sentiment_score":0.13582894951105118}],"sentiment":"neutral","sentiment_score":0.08542428788127779,"num_words":79,"start":782.805,"end":812.105},{"sentences":[{"text":"The options below in hub 24 at the bottom of that page are all the ones that I would like to update, whether that be a full removal or a slight rebalance back to the the usual 7%.","start":812.96497,"end":827.23,"sentiment":"neutral","sentiment_score":0.1755773464315816},{"text":"The page after it will show all of the options that I would like to add into your portfolio.","start":828.00995,"end":832.57495,"sentiment":"neutral","sentiment_score":0.22984370746110616},{"text":"And you should see about five green ones there below.","start":834.475,"end":837.13495,"sentiment":"neutral","sentiment_score":0.12829935252666474},{"text":"So the satellites, the small amounts going into a bit of Europe and Japan, that's just to get you exposures to those different areas.","start":838.71497,"end":845.535,"sentiment":"neutral","sentiment_score":0.09738946395615737},{"text":"The main big ones for you is the last two.","start":846.38,"end":849.28,"sentiment":"neutral","sentiment_score":-0.21100187599658965}],"sentiment":"neutral","sentiment_score":0.12425041095455094,"num_words":101,"start":812.96497,"end":849.28},{"sentences":[{"text":"The BetaShares Australia two 100 is a low fee, passive replacement of that Benelon option that was doing quite poorly.","start":849.66003,"end":857.92004,"sentiment":"negative","sentiment_score":-0.3527668245136738},{"text":"The iShares composite bonds below that is a replacement of your bank hybrids that are being phased out over the next two years.","start":859.165,"end":867.745,"sentiment":"neutral","sentiment_score":-0.13784062279307324},{"text":"K?","start":871.08496,"end":871.56,"sentiment":"neutral","sentiment_score":0.041173361241817474},{"text":"What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation.","start":871.72,"end":879.34,"sentiment":"neutral","sentiment_score":0.10848185655971368},{"text":"The main thing here for high growth is you need to be between 90 to a 100% growth assets.","start":882.6,"end":886.995,"sentiment":"neutral","sentiment_score":0.12061316637616408}],"sentiment":"neutral","sentiment_score":-0.04987517844444962,"num_words":93,"start":849.66003,"end":886.995},{"sentences":[{"text":"When we're close to retirement, we'll taper you down to eighty, seventy, sixty, fifty, forty.","start":887.635,"end":892.855,"sentiment":"neutral","sentiment_score":0.03010790189728141},{"text":"But at this point, I just wanna shade you back up a little bit.","start":893.075,"end":896.535,"sentiment":"neutral","sentiment_score":0.059838776609727314},{"text":"And by getting it all into the high growth, we'll be sitting at around 93 and a half from just shy of 87 where you currently sit.","start":896.595,"end":904.60004,"sentiment":"neutral","sentiment_score":0.2149901245203283},{"text":"So it's only a very small bump up because Australian Super needs to bump up to high growth, but the hub is basically staying the same in terms of risk level.","start":904.60004,"end":913.82,"sentiment":"neutral","sentiment_score":0.14274960972609058},{"text":"The big risk mitigation that we're doing is just removing that bad apple option, which has just not performed the way we would expect and hope for.","start":915.755,"end":924.015,"sentiment":"neutral","sentiment_score":0.05402467758567245}],"sentiment":"neutral","sentiment_score":0.11384209613479152,"num_words":114,"start":887.635,"end":924.015},{"sentences":[{"text":"Get one in there that's a bit more consistent that doesn't have such wild swings.","start":924.635,"end":928.33496,"sentiment":"neutral","sentiment_score":0.1979686180750529},{"text":"So, technically speaking, you're almost going to slightly lower risk than what you were before this document.","start":928.8,"end":934.18,"sentiment":"neutral","sentiment_score":0.3006088312934427},{"text":"K?","start":936.88,"end":937.38,"sentiment":"neutral","sentiment_score":0.15503539144992828},{"text":"So quick recap.","start":937.44,"end":938.74,"sentiment":"neutral","sentiment_score":0.22215221325556436},{"text":"Let's go from three funds to two, get everything in line with the high growth, fix up a few investment options, let that carry forward for a while, and then work on tapering risk off once you've built your funds.","start":938.96,"end":951.245,"sentiment":"neutral","sentiment_score":0.2689329065382481}],"sentiment":"neutral","sentiment_score":0.2586669433665903,"num_words":76,"start":924.635,"end":951.245},{"sentences":[{"text":"Drop the investment fees, improve the returns, very small brokerage fees, and CGT to actually do all of these transactions.","start":952.185,"end":961.49,"sentiment":"neutral","sentiment_score":0.322546449303627},{"text":"Does that make sense?","start":962.99,"end":964.20996,"sentiment":"neutral","sentiment_score":0.2432233691215515},{"text":"Do you like what we've come up with?","start":964.35,"end":965.87,"sentiment":"neutral","sentiment_score":0.27895957604050636},{"text":"Do you have any questions?","start":965.87,"end":966.85,"sentiment":"neutral","sentiment_score":0.07519175484776497},{"text":"Cool.","start":970.925,"end":971.425,"sentiment":"positive","sentiment_score":0.5198801755905151}],"sentiment":"neutral","sentiment_score":0.27766679001874045,"num_words":38,"start":952.185,"end":971.425},{"sentences":[{"text":"I will if you obviously sign off on this, I'll run this for a little while.","start":971.96497,"end":975.985,"sentiment":"neutral","sentiment_score":0.3312182351946831},{"text":"Keep an eye on it.","start":976.525,"end":977.665,"sentiment":"positive","sentiment_score":0.36850727796554567},{"text":"Put in a few catch ups with you to see how things are going.","start":977.725,"end":980.525,"sentiment":"positive","sentiment_score":0.4200996330806187},{"text":"Make sure it's going in the right direction and in line with your expectations.","start":980.525,"end":984.35,"sentiment":"positive","sentiment_score":0.5901386099202293},{"text":"I have put in some reminders too for, like, beneficiary nominations, making sure we get all of that up to date.","start":985.76996,"end":992.91,"sentiment":"neutral","sentiment_score":0.2295782175802049}],"sentiment":"positive","sentiment_score":0.3729500874876976,"num_words":70,"start":971.96497,"end":992.91},{"sentences":[{"text":"Please forgive me if I'm if I'm forgetting the conversation, but I think you're gonna give us some thought to who you would like to nominate.","start":994.25,"end":1000.665,"sentiment":"neutral","sentiment_score":0.0619354467265881},{"text":"For the beneficiary nominations, for who the super goes to if you were to pass away.","start":1004.96497,"end":1012.97,"sentiment":"neutral","sentiment_score":-0.01662933046463877},{"text":"So if you have anyone that's a financial dependent, spouse, children, anyone that you're directly looking after financially, they can be a valid nominee.","start":1021.52496,"end":1030.585,"sentiment":"neutral","sentiment_score":0.048429809200266995},{"text":"If it's anyone outside of those relationships, then it wouldn't be valid under the SIS Act.","start":1031.045,"end":1037.86,"sentiment":"neutral","sentiment_score":-0.03405711526283994},{"text":"They call it the SIS Act, SIS.","start":1041.6,"end":1043.38,"sentiment":"neutral","sentiment_score":0.013684073596128396}],"sentiment":"neutral","sentiment_score":0.023117330553156606,"num_words":89,"start":994.25,"end":1043.38},{"sentences":[{"text":"It's just the the legislation that governs who can receive superannuation benefits.","start":1044.48,"end":1050.195,"sentiment":"neutral","sentiment_score":0.037628838482002415},{"text":"Yeah.","start":1067.33,"end":1067.83,"sentiment":"neutral","sentiment_score":0.1023697555065155},{"text":"Adult children do count.","start":1067.89,"end":1069.33,"sentiment":"neutral","sentiment_score":0.16091623716056347},{"text":"The only difference is that the they don't count as a tax dependent, which means that they'll pay a small amount of tax when they receive the benefits, but they are valid nominees.","start":1069.33,"end":1079.585,"sentiment":"neutral","sentiment_score":0.04316630530537981},{"text":"Children do count even if they're adults.","start":1080.605,"end":1083.265,"sentiment":"neutral","sentiment_score":0.06307394430041313}],"sentiment":"neutral","sentiment_score":0.05374713072128463,"num_words":57,"start":1044.48,"end":1083.265},{"sentences":[{"text":"They just don't get the tax benefits if they were a minor.","start":1083.565,"end":1086.385,"sentiment":"neutral","sentiment_score":-0.1196735513707002},{"text":"Would that be the way to go?","start":1089.245,"end":1091.025,"sentiment":"neutral","sentiment_score":0.11411674533571516},{"text":"Cool.","start":1095.5,"end":1096.0,"sentiment":"positive","sentiment_score":0.3905805349349976},{"text":"What we normally do is link in, like, a a legally binding nomination.","start":1096.62,"end":1100.88,"sentiment":"neutral","sentiment_score":0.22710013274963087},{"text":"So the super fund has to do it.","start":1100.94,"end":1102.46,"sentiment":"neutral","sentiment_score":0.28865431994199753}],"sentiment":"neutral","sentiment_score":0.12231344929555567,"num_words":41,"start":1083.565,"end":1102.46},{"sentences":[{"text":"They do give you an option to do a nonbinding, so they they have discretion on who it goes to.","start":1102.46,"end":1107.375,"sentiment":"neutral","sentiment_score":0.2310364693403244},{"text":"And if you would like, we can make it a non lapsing so it doesn't expire after three years.","start":1108.235,"end":1113.515,"sentiment":"neutral","sentiment_score":0.16468218596358047},{"text":"It just continues on until you decide to change it.","start":1113.515,"end":1116.175,"sentiment":"neutral","sentiment_score":0.09039510041475296},{"text":"Would that be okay?","start":1116.9551,"end":1118.015,"sentiment":"neutral","sentiment_score":0.16549897752702236},{"text":"Cool.","start":1119.995,"end":1120.38,"sentiment":"positive","sentiment_score":0.3809059262275696}],"sentiment":"neutral","sentiment_score":0.17956562519625383,"num_words":54,"start":1102.46,"end":1120.38},{"sentences":[{"text":"I can get some forms sent out to you with a little bit of an instruction cover page.","start":1120.9401,"end":1125.12,"sentiment":"neutral","sentiment_score":0.22307371265358394},{"text":"If you have any troubles with it, just call in, and we can walk you through them in two minutes flat.","start":1125.5,"end":1130.8,"sentiment":"neutral","sentiment_score":0.15602271383007368},{"text":"Just gonna so the taxes that they can get, no.","start":1139.6849,"end":1149.2999,"sentiment":"neutral","sentiment_score":-0.031114139780402183},{"text":"Well, then it would be considered a large amount.","start":1149.2999,"end":1150.86,"sentiment":"neutral","sentiment_score":-0.3084019654326969},{"text":"I do apologize for the terminology.","start":1150.86,"end":1152.6,"sentiment":"neutral","sentiment_score":-0.2751914511124293}],"sentiment":"neutral","sentiment_score":0.039904625387862325,"num_words":64,"start":1120.9401,"end":1152.6},{"sentences":[{"text":"A portion of the super that remains in a taxable, untaxed component would be charged up to 15% plus the Medicare levy.","start":1154.4199,"end":1163.245,"sentiment":"neutral","sentiment_score":-0.14323580366643993},{"text":"Yeah.","start":1174.14,"end":1174.4601,"sentiment":"neutral","sentiment_score":0.014092076569795609},{"text":"And depending on the underlying proportions, because some of the amounts that go in, it's they split it taxable, taxed, taxable, untaxed.","start":1174.4601,"end":1184.0801,"sentiment":"neutral","sentiment_score":0.00883248287507079},{"text":"There's the different components inside the super under the hood.","start":1184.3,"end":1187.475,"sentiment":"neutral","sentiment_score":0.0313157988130115},{"text":"When you transition into the kind of retirement phase in the sixties, that starts to slowly convert over, and we actually put it in into a tax free component where they won't pay that amount.","start":1188.355,"end":1201.255,"sentiment":"neutral","sentiment_score":0.009196446323767305}],"sentiment":"neutral","sentiment_score":-0.025641637459759496,"num_words":90,"start":1154.4199,"end":1201.255},{"sentences":[{"text":"It's mainly for if you were to pass away before the age of 60, a large proportion of that would cop about fifteen percent.","start":1202.0901,"end":1209.15,"sentiment":"neutral","sentiment_score":-0.08016660592208306},{"text":"Yeah.","start":1214.01,"end":1214.3301,"sentiment":"neutral","sentiment_score":0.0890822559595108},{"text":"The only other thing which is quite a lot of work for not much benefit is you can set up, like, a a will where the super goes to your estate, then gets passed to the children there, and then they avoid the 2% Medicare levy.","start":1214.3301,"end":1229.075,"sentiment":"neutral","sentiment_score":-0.0778363017446321},{"text":"That's probably the only savings, but it's quite complex to set up.","start":1229.5349,"end":1232.71,"sentiment":"neutral","sentiment_score":-0.24546074494719505},{"text":"With those, they are legal documents.","start":1236.13,"end":1238.7899,"sentiment":"neutral","sentiment_score":-0.03572598130752643}],"sentiment":"neutral","sentiment_score":-0.0963513594790456,"num_words":89,"start":1202.0901,"end":1238.7899},{"sentences":[{"text":"So the main thing is just making sure that you do, like, a wet signature with a pen.","start":1239.09,"end":1243.83,"sentiment":"neutral","sentiment_score":0.01061128762861093},{"text":"You get a couple of people.","start":1244.405,"end":1245.605,"sentiment":"neutral","sentiment_score":0.028110291808843613},{"text":"Any adults can witness it as long as they are not the beneficiaries.","start":1245.605,"end":1248.6649,"sentiment":"neutral","sentiment_score":0.01707797239606197},{"text":"Does that make sense?","start":1251.605,"end":1252.6649,"sentiment":"neutral","sentiment_score":0.0969649888575077},{"text":"Perfect.","start":1254.085,"end":1254.585,"sentiment":"positive","sentiment_score":0.396440327167511}],"sentiment":"neutral","sentiment_score":0.03252330599796204,"num_words":42,"start":1239.09,"end":1254.585},{"sentences":[{"text":"I did find out sorry.","start":1255.125,"end":1256.405,"sentiment":"neutral","sentiment_score":0.16164212226867675},{"text":"The rest of that document just covers wills, powers of attorney, and so on.","start":1256.405,"end":1260.61,"sentiment":"neutral","sentiment_score":0.019314756084765707},{"text":"The two things I wanted to just finish off on was the insurance research.","start":1261.47,"end":1265.97,"sentiment":"neutral","sentiment_score":0.05976993643811771},{"text":"We did find a single provider, a sender, who offers income protection for train drivers.","start":1268.11,"end":1273.09,"sentiment":"neutral","sentiment_score":0.1153561179836591},{"text":"It's called a dark blue rating.","start":1273.895,"end":1275.575,"sentiment":"neutral","sentiment_score":0.08834614356358846}],"sentiment":"neutral","sentiment_score":0.07732990625555869,"num_words":54,"start":1255.125,"end":1275.575},{"sentences":[{"text":"So you're you're alongside concreters, and the premiums were upwards of $8,000 per year.","start":1275.575,"end":1281.9149,"sentiment":"neutral","sentiment_score":0.060779282823204994},{"text":"So I just want to flag sorry.","start":1287.1799,"end":1289.2599,"sentiment":"neutral","sentiment_score":-0.05226989196879523},{"text":"Go ahead.","start":1289.2599,"end":1290.0,"sentiment":"neutral","sentiment_score":-0.047611894086003304},{"text":"In terms of that risk category, b rating or dark blue as they call it is kind of the riskiest category you go to before they start applying special conditions or don't offer cover.","start":1293.82,"end":1309.485,"sentiment":"neutral","sentiment_score":-0.1562639298465322},{"text":"I think it just comes back to that conversation we had last week about ability to return to work if you have, you know, fingers, hands, broken legs, and so on.","start":1317.32,"end":1326.375,"sentiment":"neutral","sentiment_score":-0.19491773351065575}],"sentiment":"neutral","sentiment_score":-0.1246093912050128,"num_words":88,"start":1275.575,"end":1326.375},{"sentences":[{"text":"I do still find it strange now that you mentioned it in our last conversation, but everyone else was not offering the insurance at all.","start":1327.175,"end":1336.075,"sentiment":"negative","sentiment_score":-0.3428191891312599},{"text":"Yeah.","start":1357.605,"end":1358.105,"sentiment":"neutral","sentiment_score":0.0008804164826869965},{"text":"Yeah.","start":1375.14,"end":1375.425,"sentiment":"neutral","sentiment_score":0.0014356467872858047},{"text":"It's strange.","start":1387.5851,"end":1388.3201,"sentiment":"neutral","sentiment_score":-0.2966916412115097},{"text":"The the riskier, quote, unquote, occupations have the most checks and balances, safety staff on-site, guardrails up, health checks, everything.","start":1388.3201,"end":1401.755,"sentiment":"neutral","sentiment_score":-0.2553741864860058}],"sentiment":"neutral","sentiment_score":-0.2912047076970339,"num_words":49,"start":1327.175,"end":1401.755},{"sentences":[{"text":"Yeah.","start":1422.39,"end":1422.89,"sentiment":"neutral","sentiment_score":-0.24846860766410828},{"text":"Walk on through.","start":1431.115,"end":1432.095,"sentiment":"neutral","sentiment_score":-0.21045232812563577},{"text":"Yeah.","start":1455.27,"end":1455.4299,"sentiment":"neutral","sentiment_score":-0.0908086746931076},{"text":"I think the way they've explained it to me, like, the underwriters that do the health checks, which I don't necessarily agree with, but the way they explained it to me was that if I had a a shattered leg, I could still my work would let me come back and pop a headset on and do a few phone calls.","start":1455.4299,"end":1471.795,"sentiment":"neutral","sentiment_score":-0.04650437966233394},{"text":"But a lot of the, again, surgeons and, yeah, working from home don't even have to drive.","start":1472.39,"end":1478.49,"sentiment":"neutral","sentiment_score":-0.06311433170648183}],"sentiment":"neutral","sentiment_score":-0.058799338134297406,"num_words":83,"start":1422.39,"end":1478.49},{"sentences":[{"text":"Whereas surgeons and pilots and things like that, they would just be like, no.","start":1479.4299,"end":1483.11,"sentiment":"neutral","sentiment_score":-0.12729402099336898},{"text":"You just can't come on-site until you've got to return to work and health and fitness and all that kind of thing.","start":1483.11,"end":1488.665,"sentiment":"neutral","sentiment_score":-0.09477361698042262},{"text":"I do find it silly.","start":1491.125,"end":1492.085,"sentiment":"neutral","sentiment_score":-0.3253307223320007},{"text":"I do agree.","start":1492.085,"end":1492.825,"sentiment":"neutral","sentiment_score":-0.1672148605187734},{"text":"But like I said, I've checked every single insurer in the country, found one, but it just does not seem to be much much of a benefit for cost that I can see.","start":1492.965,"end":1503.83,"sentiment":"negative","sentiment_score":-0.33452410995960236}],"sentiment":"neutral","sentiment_score":-0.2212302557059697,"num_words":77,"start":1479.4299,"end":1503.83},{"sentences":[{"text":"If it was 2,000, maybe.","start":1503.97,"end":1505.9099,"sentiment":"neutral","sentiment_score":-0.20824521780014038},{"text":"I have included that there, so it's an option, but I haven't recommended it at this point.","start":1509.97,"end":1516.565,"sentiment":"negative","sentiment_score":-0.3397039942005101},{"text":"Cool.","start":1518.865,"end":1519.365,"sentiment":"neutral","sentiment_score":0.30045652389526367},{"text":"The last thing to go over to is I've included the updated service guides with Oakview.","start":1520.705,"end":1525.445,"sentiment":"neutral","sentiment_score":0.16865127254277468},{"text":"I did mention last week that we've changed over to that tiered fee structure.","start":1525.9601,"end":1531.18,"sentiment":"neutral","sentiment_score":0.13674102297851018}],"sentiment":"neutral","sentiment_score":-0.03590458083265233,"num_words":53,"start":1503.97,"end":1531.18},{"sentences":[{"text":"So above 200,000, I get the percentage discount from 1.6 five to 1.37.","start":1531.7201,"end":1539.1001,"sentiment":"neutral","sentiment_score":0.14201913831325677},{"text":"And then above 500,000, it goes to 1.1.","start":1539.195,"end":1542.095,"sentiment":"neutral","sentiment_score":0.0723640937358141},{"text":"So I held off on sending any documents through last week until we had the new one in place for you so you can start to receive the discounts as well for us.","start":1542.3949,"end":1551.63,"sentiment":"neutral","sentiment_score":0.2006117498332804},{"text":"K?","start":1554.1901,"end":1554.6901,"sentiment":"neutral","sentiment_score":0.0882275253534317},{"text":"Again, half of these documents are just to keep on file.","start":1555.87,"end":1559.41,"sentiment":"neutral","sentiment_score":0.15122950144789435}],"sentiment":"neutral","sentiment_score":0.16359244445056625,"num_words":66,"start":1531.7201,"end":1559.41},{"sentences":[{"text":"If you're comfortable with what I've come up with, you basically just need to sign the authority on the statement of advice and the consent form for the super funds, and that's it.","start":1559.95,"end":1571.245,"sentiment":"neutral","sentiment_score":0.1701369242686214},{"text":"It's just those two.","start":1571.245,"end":1572.045,"sentiment":"neutral","sentiment_score":0.14561830461025238},{"text":"Everything else is just for your records.","start":1572.045,"end":1574.385,"sentiment":"neutral","sentiment_score":0.126418659729617},{"text":"I also do appreciate you taking my call because of the technical mix up there and going through this with me because I would hate to just kind of send you a a document full of jargon and leave you to your devices.","start":1577.9651,"end":1590.58,"sentiment":"neutral","sentiment_score":0.1453011231713517},{"text":"I would much rather go through it, answer any questions that you have.","start":1590.58,"end":1593.945,"sentiment":"neutral","sentiment_score":0.31960563132396114}],"sentiment":"neutral","sentiment_score":0.1748474384099245,"num_words":100,"start":1559.95,"end":1593.945},{"sentences":[{"text":"And just wondering if you do have any any questions at this point.","start":1594.105,"end":1598.9249,"sentiment":"neutral","sentiment_score":0.1608173749767817},{"text":"Yeah.","start":1608.4249,"end":1608.745,"sentiment":"neutral","sentiment_score":0.08025410026311874},{"text":"Correct.","start":1608.745,"end":1609.245,"sentiment":"neutral","sentiment_score":0.117189459502697},{"text":"If possible, when you go in there, you don't have to scroll through every single document.","start":1614.89,"end":1620.43,"sentiment":"neutral","sentiment_score":0.14132375409826636},{"text":"There's usually, like, a get started bit at the top, and it will bring you to the sections to stamp the signature and the date and the name on.","start":1620.65,"end":1627.245,"sentiment":"neutral","sentiment_score":0.12129519931201277}],"sentiment":"neutral","sentiment_score":0.13444683800141016,"num_words":60,"start":1594.105,"end":1627.245},{"sentences":[{"text":"And then it will just say next document, next document.","start":1627.305,"end":1629.805,"sentiment":"neutral","sentiment_score":0.09651486873626709},{"text":"Once you get to the end, there will just be a validate button.","start":1630.185,"end":1633.005,"sentiment":"neutral","sentiment_score":0.14628540724515915},{"text":"It'll probably take a good minute to to do the spinning circle to load, And then that way, it'll send you a signed copy and one through to us as well.","start":1633.385,"end":1641.1001,"sentiment":"neutral","sentiment_score":0.20418612514772722},{"text":"Awesome.","start":1645.16,"end":1645.66,"sentiment":"positive","sentiment_score":0.5231493711471558},{"text":"I do wanna put on your file as well in terms of next catch ups.","start":1646.6001,"end":1650.4601,"sentiment":"positive","sentiment_score":0.3470313310623169}],"sentiment":"neutral","sentiment_score":0.21321783140301703,"num_words":70,"start":1627.305,"end":1650.4601},{"sentences":[{"text":"Do you want me to put in for a catch up before the end of the year, just for the next annual review, quarterly?","start":1651.1849,"end":1657.765,"sentiment":"neutral","sentiment_score":0.1654551358272632},{"text":"What would be your preference?","start":1657.825,"end":1659.445,"sentiment":"neutral","sentiment_score":0.07353903353214264},{"text":"Yep.","start":1663.345,"end":1663.6649,"sentiment":"neutral","sentiment_score":0.21068398654460907},{"text":"I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time.","start":1663.6649,"end":1675.48,"sentiment":"neutral","sentiment_score":0.19180568879426912},{"text":"Awesome, Shane.","start":1678.58,"end":1679.505,"sentiment":"positive","sentiment_score":0.6139250695705414}],"sentiment":"neutral","sentiment_score":0.18699729561805725,"num_words":75,"start":1651.1849,"end":1679.505},{"sentences":[{"text":"I'll get Michelle to send out those beneficiary forms.","start":1679.665,"end":1681.985,"sentiment":"positive","sentiment_score":0.39934052030245465},{"text":"Again, give us a buzz if you need any help with them.","start":1681.985,"end":1684.405,"sentiment":"positive","sentiment_score":0.3478841632604599},{"text":"And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday.","start":1685.105,"end":1696.1,"sentiment":"neutral","sentiment_score":0.28965613394975664},{"text":"Awesome.","start":1699.28,"end":1699.78,"sentiment":"positive","sentiment_score":0.4621950685977936},{"text":"Any questions for me, mate?","start":1700.48,"end":1701.94,"sentiment":"neutral","sentiment_score":0.22286064326763153}],"sentiment":"neutral","sentiment_score":0.3164009990399344,"num_words":57,"start":1679.665,"end":1701.94},{"sentences":[{"text":"Cool.","start":1705.845,"end":1706.345,"sentiment":"neutral","sentiment_score":0.062135618180036545},{"text":"Alrighty.","start":1708.005,"end":1708.505,"sentiment":"neutral","sentiment_score":0.1252664029598236},{"text":"At least within thirty days because they do expire all of the data that we use.","start":1715.6849,"end":1720.59,"sentiment":"neutral","sentiment_score":-0.07077489676885307},{"text":"So hopefully within thirty days, but we can't change anything until we've got your consent.","start":1721.07,"end":1725.1699,"sentiment":"neutral","sentiment_score":-0.11719716389973958},{"text":"Awesome.","start":1735.4249,"end":1735.9249,"sentiment":"positive","sentiment_score":0.6933586597442627}],"sentiment":"neutral","sentiment_score":-0.05910573899745941,"num_words":34,"start":1705.845,"end":1735.9249},{"sentences":[{"text":"Thank you so much for that, Shane, and sorry again for the mix up the an hour ago.","start":1736.3049,"end":1740.885,"sentiment":"positive","sentiment_score":0.44069511608945},{"text":"Awesome, mate.","start":1743.345,"end":1743.985,"sentiment":"positive","sentiment_score":0.6477699279785156},{"text":"Thank you so much for your time, and I'll talk to you soon.","start":1743.985,"end":1746.6029,"sentiment":"positive","sentiment_score":0.7101867382342999},{"text":"See you, mate.","start":1750.6029,"end":1751.163,"sentiment":"positive","sentiment_score":0.493893027305603},{"text":"Cheers.","start":1751.163,"end":1751.663,"sentiment":"positive","sentiment_score":0.603018045425415}],"sentiment":"positive","sentiment_score":0.5552750451339258,"num_words":37,"start":1736.3049,"end":1751.663}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. For sure. Yeah. Not answered. No. I can I can look in? Yep. 06/10/1970. 21 King Street, Wallen, Victoria. Yep. Yep. Yes. Some selling document. Not loading. Hopefully, hang on. Let me refresh it. No. It's just a gray page. Yeah. Let me just quickly try something else. I've had that happen before where it's some incompatibility with an older version of Chrome. But let me I was just plugged into another computer, which is pretty new. I'll just see if there's a difference. So this one will quickly boot up. Okay. Just one second. I can see a picture of a beach and a bunch of buildings in the background. Beautiful. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Try that again. You recommended doing what? Oh, okay. Yep. Yep. Okay. Yep. Oh, yeah. Yeah. I'm on page 17. Yep. Right. Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Yep. Yep. Yep. Sorry. Sorry. Hang on. Which page am I looking at? Is it Yep. Yeah. I just yep. I got it. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. No. That's good enough. Yep. Sorry. Nominate for what? Oh, okay. Yeah. I can so you want me to nominate somebody? Under the what act? Right. So does that mean I can't well, I I guess I wanna nominate my two kids, but they're not dependents. Like, a 20 well, I don't know. Twenty two and twenty. Right. Okay. Yeah. Yeah. That'll be that'll be the way it goes. Yep. You know? Yep. Yep. Yep. How much interest are we talking when you say a small they pay a small amount of interest? That, like, five percent, 3%. That's what I'd consider to be a small amount. Yeah. Okay. So that's how much tax they would pay upon payout. Okay. Yeah. Yeah. That's still okay. Yep. Right. Yep. Yep. Right. Yep. Okay. Yep. So what is it is it sales alongside concretive? Why would train drivers be in such a high risk category? Because I remember having a conversation about this. It might have been Kyle. There was a guy who, who's no longer there. And he mentioned, you know, about, you know, walking around the yard and, you know, getting amongst the trains and, you know, having to walk around trains and stuff. And I guess the difference between us as train drivers and a random member of the public would be the fact that, number one, we're provided with training. We're familiar with the area that we're working in. We wear high visibility clothing. And and, yeah, all of the risk is sort of mitigated as much as possible. Yeah. Exactly. We offer or, you know, work around trains without any kind of training. Yeah. And and every possible risk as much as possible, they have some kind of mitigation because they know it's a risky environment. But it's only risky to a member of the public, I guess, who happens to wander around there with no idea where they are. Yeah. They got no training. They got no, you know, high vis clothing. You know, then I can understand it's a a risk. But, you know, when you're sort of provided training and and all the safety gear, you know, you sort of medicate it as much as possible. Right. Yep. Yep. Yep. Yep. Not fair enough. Yep. Fair enough. Yep. You're alright. Yep. Yep. Yep. Yep. So what you're talking about now, is this the online document that I need to go through and sign? Yep. Yep. I can do that. Okay. Yep. Yeah. It is. Please hold it. I'm using it. Yep. Yeah. That'll be good. Yep. Yep. No. Nothing on it now. So when when so when do I need to get this back to you by? Yep. Yep. No dramas. Well, I got shortened. Get it back to your email anyway. Yep. No. All good. Terrific. No worries. Okay. So yeah. 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Yeah. For sure. Yeah. Not answered.\n\nNo. I can I can look in? Yep. 06/10/1970. 21 King Street, Wallen, Victoria.\n\nYep. Yep. Yes. Some selling document. Not loading.\n\nHopefully, hang on. Let me refresh it. No. It's just a gray page. Yeah.\n\nLet me just quickly try something else. I've had that happen before where it's some incompatibility with an older version of Chrome. But let me I was just plugged into another computer, which is pretty new. I'll just see if there's a difference. So this one will quickly boot up.\n\nOkay. Just one second. I can see a picture of a beach and a bunch of buildings in the background. Beautiful. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Try that again. You recommended doing what? Oh, okay. Yep.\n\nYep. Okay. Yep. Oh, yeah. Yeah.\n\nI'm on page 17. Yep. Right. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Okay.\n\nYep. Yep. Yep. Sorry. Sorry.\n\nHang on. Which page am I looking at? Is it Yep. Yeah. I just yep.\n\nI got it. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. No.\n\nThat's good enough. Yep. Sorry. Nominate for what? Oh, okay.\n\nYeah. I can so you want me to nominate somebody? Under the what act? Right. So does that mean I can't well, I I guess I wanna nominate my two kids, but they're not dependents.\n\nLike, a 20 well, I don't know. Twenty two and twenty. Right. Okay. Yeah.\n\nYeah. That'll be that'll be the way it goes. Yep. You know? Yep.\n\nYep. Yep. How much interest are we talking when you say a small they pay a small amount of interest? That, like, five percent, 3%. That's what I'd consider to be a small amount.\n\nYeah. Okay. So that's how much tax they would pay upon payout. Okay. Yeah.\n\nYeah. That's still okay. Yep. Right. Yep.\n\nYep. Right. Yep. Okay. Yep.\n\nSo what is it is it sales alongside concretive? Why would train drivers be in such a high risk category? Because I remember having a conversation about this. It might have been Kyle. There was a guy who, who's no longer there.\n\nAnd he mentioned, you know, about, you know, walking around the yard and, you know, getting amongst the trains and, you know, having to walk around trains and stuff. And I guess the difference between us as train drivers and a random member of the public would be the fact that, number one, we're provided with training. We're familiar with the area that we're working in. We wear high visibility clothing. And and, yeah, all of the risk is sort of mitigated as much as possible.\n\nYeah. Exactly. We offer or, you know, work around trains without any kind of training. Yeah. And and every possible risk as much as possible, they have some kind of mitigation because they know it's a risky environment.\n\nBut it's only risky to a member of the public, I guess, who happens to wander around there with no idea where they are. Yeah. They got no training. They got no, you know, high vis clothing. You know, then I can understand it's a a risk.\n\nBut, you know, when you're sort of provided training and and all the safety gear, you know, you sort of medicate it as much as possible. Right. Yep. Yep. Yep.\n\nYep. Not fair enough. Yep. Fair enough. Yep.\n\nYou're alright. Yep. Yep. Yep. Yep.\n\nSo what you're talking about now, is this the online document that I need to go through and sign? Yep. Yep. I can do that. Okay.\n\nYep. Yeah. It is. Please hold it. I'm using it.\n\nYep. Yeah. That'll be good. Yep. Yep.\n\nNo. Nothing on it now. So when when so when do I need to get this back to you by? Yep. Yep.\n\nNo dramas. Well, I got shortened. Get it back to your email anyway. Yep. No.\n\nAll good. Terrific. No worries. Okay. So yeah.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.057640790939331055},{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":-0.029451731592416763},{"text":"For sure.","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":-0.025380456820130348},{"text":"Yeah.","start":28.19,"end":28.51,"sentiment":"neutral","sentiment_score":-0.09745599329471588},{"text":"Not answered.","start":28.51,"end":29.25,"sentiment":"neutral","sentiment_score":-0.12685348093509674}],"sentiment":"neutral","sentiment_score":-0.05339068706546511,"num_words":7,"start":1.68,"end":29.25},{"sentences":[{"text":"No.","start":41.164997,"end":41.484997,"sentiment":"neutral","sentiment_score":-0.09214726090431212},{"text":"I can I can look 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good.","start":1676.9249,"end":1677.9049,"sentiment":"positive","sentiment_score":0.4129842122395833},{"text":"Yep.","start":1696.7401,"end":1697.2201,"sentiment":"neutral","sentiment_score":0.16516757011413574},{"text":"Yep.","start":1697.2201,"end":1697.7201,"sentiment":"neutral","sentiment_score":0.20930644869804385}],"sentiment":"neutral","sentiment_score":0.2891935386828014,"num_words":7,"start":1662.66,"end":1697.7201},{"sentences":[{"text":"No.","start":1703.2201,"end":1703.4601,"sentiment":"neutral","sentiment_score":-0.13282041251659393},{"text":"Nothing on it now.","start":1703.4601,"end":1704.6001,"sentiment":"neutral","sentiment_score":-0.10143651068210602},{"text":"So when when so when do I need to get this back to you by?","start":1708.875,"end":1714.655,"sentiment":"neutral","sentiment_score":-0.04492526029547055},{"text":"Yep.","start":1725.85,"end":1726.35,"sentiment":"neutral","sentiment_score":0.019120141863822937},{"text":"Yep.","start":1726.4099,"end":1726.9099,"sentiment":"neutral","sentiment_score":0.031330596655607224}],"sentiment":"neutral","sentiment_score":-0.05281793732534756,"num_words":22,"start":1703.2201,"end":1726.9099},{"sentences":[{"text":"No dramas.","start":1728.09,"end":1728.83,"sentiment":"neutral","sentiment_score":-0.07044874131679535},{"text":"Well, I got shortened.","start":1728.89,"end":1729.95,"sentiment":"neutral","sentiment_score":0.05140908621251583},{"text":"Get it back to your email anyway.","start":1732.755,"end":1734.375,"sentiment":"neutral","sentiment_score":0.09791579416819982},{"text":"Yep.","start":1741.3151,"end":1741.715,"sentiment":"neutral","sentiment_score":0.10543736070394516},{"text":"No.","start":1741.715,"end":1741.9551,"sentiment":"neutral","sentiment_score":0.009175077080726624}],"sentiment":"neutral","sentiment_score":0.057650790611902876,"num_words":15,"start":1728.09,"end":1741.9551},{"sentences":[{"text":"All good.","start":1741.9551,"end":1742.6951,"sentiment":"positive","sentiment_score":0.3421255797147751},{"text":"Terrific.","start":1747.4429,"end":1747.9429,"sentiment":"positive","sentiment_score":0.775123119354248},{"text":"No worries.","start":1748.0029,"end":1748.7429,"sentiment":"positive","sentiment_score":0.41820289194583893},{"text":"Okay.","start":1748.9629,"end":1749.198,"sentiment":"positive","sentiment_score":0.4071861505508423},{"text":"So yeah.","start":1749.198,"end":1750.183,"sentiment":"positive","sentiment_score":0.3449718654155731}],"sentiment":"positive","sentiment_score":0.4241137430071831,"num_words":8,"start":1741.9551,"end":1750.183},{"sentences":[{"text":"Bye.","start":1751.8429,"end":1752.3429,"sentiment":"neutral","sentiment_score":-0.109072744846344}],"sentiment":"neutral","sentiment_score":-0.109072744846344,"num_words":1,"start":1751.8429,"end":1752.3429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Shane. It's Tommy here from Oakview, mate. I'm so sorry. Do you have a quick second?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM. I was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you.\n\nChannel 1: Yeah. Not answered.\n\nChannel 0: Perfect. So what I'll do is I will shoot the documents out to you for that updated strategy. Will you be able to look onto it with me now, or should I just kind of give you a bit of through?\n\nChannel 1: No. I can I can look in?\n\nChannel 0: Perfect. Perfect. So that will come through pretty quickly. If this is your first time using the new system, it may go to your spam folder, but I'll shoot that through. Just while that's coming through, mate, could I just confirm for security your date of birth and address?\n\nChannel 1: Yep. 06/10/1970. 21 King Street, Wallen, Victoria.\n\nChannel 0: Perfect. Thank you so much for that. And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Amazing. So what I've sent you through is the statement of advice with all of the updates we talked about last week. I have included quite a few product documents as well, which are just kind of for you to keep on file, just updates with Hub twenty four, Oakview Financial, and so on, and Australian Super. But can you see a statement of advice email?\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now when you pop that open, there should be a blue button. It does say, like, to start the signing process, but it just brings open the documents for you to peruse.\n\nChannel 1: Yes. Some selling document.\n\nChannel 0: Yep. And if you hit that, it should open up. There is, sorry, three, six, seven, eight documents there, but it should open the first one, which is like a beachfront city Gold Coast picture. And it should be labeled statement of advice.\n\nChannel 1: Not loading. Hopefully, hang on. Let me refresh it.\n\nChannel 0: Yeah. That's alright. Sometimes because there's a a thousand pages, it can sometimes take a minute to load. There's quite a lot that goes along with it. I do apologize.\n\nChannel 1: No.\n\nChannel 0: Is it is it doing a bit of a circle loading thing, or what's what's popped up for you\n\nChannel 1: It's\n\nChannel 0: there,\n\nChannel 1: just\n\nChannel 0: mate?\n\nChannel 1: a gray page.\n\nChannel 0: Oh, right. So what I might do is I'll kinda give you the cliff notes and then leave it with you when you've got a bit more access to look at it. Is that okay?\n\nChannel 1: Yeah. Let me just quickly try something else.\n\nChannel 0: Yeah. Go for\n\nChannel 1: I've had that\n\nChannel 0: it.\n\nChannel 1: happen before where it's some incompatibility with an older version of Chrome.\n\nChannel 0: Ah, I need to actually take down which browsers are best for this system and which ones are I haven't had too many issues with them, but might do a bit of a shortlist sometime.\n\nChannel 1: But let me I was just plugged into another computer, which is pretty new. I'll just see if there's a difference.\n\nChannel 0: No worries at all.\n\nChannel 1: So this one will quickly boot up. Okay. Just one second.\n\nChannel 0: Oh, fantastic. And with that one loaded, what what can you see there?\n\nChannel 1: I can see a picture of a beach and a bunch of buildings in the background.\n\nChannel 0: There we go. That's the one. That's the old cover page for the statement of advice. We are cooking with gas, Shane.\n\nChannel 1: Beautiful.\n\nChannel 0: Can you please, for me, skip down about four pages to the scope of advice? There's three pages. One\n\nChannel 1: Yep.\n\nChannel 0: is what's considered, the next one is what's limited, and the other one is what's not being considered. Essentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up. And we did put in a few reminders for the estate planning side of things just to make sure, you know, you've got a will in place and so on.\n\nChannel 1: Yeah.\n\nChannel 0: The insurances, we did conduct some research on income protection. We're trying to maintain the cover you've got with AustralianSuper, but not so much trying to refill the other funds with CareSuper. So I have got all of that researched and ready to go. And what we're not providing advice on is just cash flow and debt management in terms of paying off your mortgage. Budgeting advice at this point is not in this document.\n\nChannel 1: Yep.\n\nChannel 0: That sound fair enough?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now into the sort of meat and potatoes of it, as you scroll down, you'll see a limited advice warning, which is exactly that. We're not advising on everything under the sun. And if any information we have is not accurate, that may impact the advice. We have the about you section on page seven, assets and liabilities on page eight, which we updated recently.\n\nAfter that is your hub Australian super and care super funds as well as that remaining insurance policy with Australian super.\n\nChannel 1: Yep.\n\nChannel 0: The main areas I wanted to break you down to was from pages 10 onwards and 11. You'll see the high growth risk profile, and you\n\nChannel 1: Yep.\n\nChannel 0: should see there's two pages for that. Second one has, like, a exploded pie chart kind of thing. Just gives you an example of what a portfolio looks like, and then you'll see a big wall of text on page 12, strategy recommendations. Can you see that one there?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said. You wanted to consolidate the Care Super, get that across. We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy. And then we've also included a portfolio update as well.\n\nI've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio.\n\nChannel 1: Try that again. You recommended doing what?\n\nChannel 0: To update the Australian super investment option to be in line with your risk profile the same as the hub portfolio.\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: So what I basically wanna do is I wanna get all of the funds in line with that high growth. We do have a bit of a form that we can prefill for you to update that one. But, basically, I wanna get both of them going as quickly as possible. And then\n\nChannel 1: Yep.\n\nChannel 0: once we've built up enough, then we scale the risk back when you're closer to return.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So what that does in terms of actual figures and amounts, can you please go down to pages seventeen and eighteen for me? You will see a table for a fee comparison.\n\nChannel 1: Oh, yeah. Yeah. I'm on page 17.\n\nChannel 0: Yep. So it should have a bunch of columns showing the current versus recommended and a difference, and you should see hub care Australian super, and then it goes down to just the two funds on the right hand side. Does that can you make that figures out?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So what we're obviously gonna do is close down the CareSuper. You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the premiums.\n\nChannel 1: Right.\n\nChannel 0: We've got a difference at the top right. You'll see a minus 584. This\n\nChannel 1: Yep.\n\nChannel 0: takes into account any kind of buy or sell costs for moving funds around or changing investments. It also takes into account capital gains tax inside the super under the hood. So when we update your portfolio gains and losses, there's a little bit of a superannuation tax hidden inside, and we do factor that into our projections as well.\n\nChannel 1: Yep.\n\nChannel 0: For your balance, 584 was basically negligible. If that was upwards of 5,000 or above, I would put a flag on it as a reason not to change investments. But as a proportion of your overall balance, that's very, very minimal to completely update everything.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds. So you already make that back and more just in the first twelve months of fee reductions.\n\nChannel 1: Yep.\n\nChannel 0: In addition as well, we've got the five year rolling average at the bottom of that table. We'll go from 8% to 11, which factors in the performance of all the funds and the options that we're recommending.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: I have broken it down a little bit. Now please take this with a bit of a grain of salt because we will change your risk level over time, but the projection under that table shows we're expecting 1 to $300,000 better off over the next five to ten years if you were to maintain high growth for the full decade, that is,\n\nChannel 1: Yep.\n\nChannel 0: which I would probably turn it down a bit quicker than ten years. But if that was to continue, that's all.\n\nChannel 1: Yep.\n\nChannel 0: The last couple here that are important is the investment returns on the next page. We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of them.\n\nChannel 1: Sorry. Sorry.\n\nChannel 0: The\n\nChannel 1: Hang\n\nChannel 0: main\n\nChannel 1: on. Which page am I looking at? Is\n\nChannel 0: this\n\nChannel 1: it\n\nChannel 0: will be page 18, and you'll see a red heading saying annualized investment returns. It's quite a small page. There's only one table on it. Returns.\n\nChannel 1: Yep.\n\nChannel 0: It's quite a small page. There's only one table on it.\n\nChannel 1: Yeah. I just yep. I got it.\n\nChannel 0: Basically, what I need to do for your risk profile, like I mentioned last week, is maintain double digit returns consistent.\n\nChannel 1: Yep.\n\nChannel 0: So it's gotta be that 10% above. I need to make sure that it's not just doing that every few years, but it's doing it across every time period while we're in that risk level.\n\nChannel 1: Yep.\n\nChannel 0: K? The last thing to go through last two, sorry, is the investments table below. I do apologize. There's quite a lot of figures on this one, but it is color coded. Red heading, blue table on the next page, investments, and you should see quite a few buyers and sales there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So if the Australian super moves to the high growth, we wanna maintain at least 8,000 or above for the insurances not to be at risk of lapsing. The options below in hub 24 at the bottom of that page are all the ones that I would like to update, whether that be a full removal or a slight rebalance back to the the usual 7%. The page after it will show all of the options that I would like to add into your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: And you should see about five green ones there below.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So the satellites, the small amounts going into a bit of Europe and Japan, that's just to get you exposures to those different areas. The main big ones for you is the last two. The BetaShares Australia two 100 is a low fee, passive replacement of that Benelon option that was doing quite poorly. The iShares composite bonds below that is a replacement of your bank hybrids that are being phased out over the next two years.\n\nChannel 1: Yep.\n\nChannel 0: K? What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: The main thing here for high growth is you need to be between 90 to a 100% growth assets. When we're close to retirement, we'll taper you down to eighty, seventy, sixty, fifty, forty. But at this\n\nChannel 1: Yep.\n\nChannel 0: point, I just wanna shade you back up a little bit. And by getting it all into the high growth, we'll be sitting at around 93 and a half from just shy of 87 where you currently sit. So it's only a very small bump up because Australian Super needs to bump up to high growth, but the hub is basically staying the same in terms of risk level.\n\nChannel 1: Yep.\n\nChannel 0: The big risk mitigation that we're doing is just removing that bad apple option, which has just not performed the way we would expect and hope for. Get one in there that's a bit more consistent that doesn't have such wild swings. So, technically speaking, you're almost going to slightly lower risk than what you were before this document.\n\nChannel 1: Yep.\n\nChannel 0: K? So quick recap. Let's go from three funds to two, get everything in line with the high growth, fix up a few investment options, let that carry forward for a while, and then work on tapering risk off once you've built your funds. Drop the investment fees, improve the returns, very small brokerage fees, and CGT to actually do all of these transactions. Does that make sense?\n\nDo you like what we've come up with? Do you have any questions?\n\nChannel 1: Yeah. No. That's good enough.\n\nChannel 0: Cool. I will if you obviously sign off on this, I'll run this for a little while. Keep an eye on it. Put in a few catch ups with you to see how things are going. Make sure it's going in the right direction and in line with your expectations.\n\nChannel 1: Yep.\n\nChannel 0: I have put in some reminders too for, like, beneficiary nominations, making sure we get all of that up to date. Please forgive me if I'm if I'm forgetting the conversation, but I think you're gonna give us some thought to who you would like to nominate.\n\nChannel 1: Sorry. Nominate for what?\n\nChannel 0: For the beneficiary nominations, for who the super goes to if you were to pass\n\nChannel 1: Oh, okay.\n\nChannel 0: away.\n\nChannel 1: Yeah. I can so you want me to\n\nChannel 0: So if you have anyone that's a\n\nChannel 1: nominate somebody?\n\nChannel 0: financial dependent, spouse, children, anyone that you're directly looking after financially, they can be a valid nominee. If it's anyone outside of those relationships, then it wouldn't be valid under the SIS Act.\n\nChannel 1: Under the what act?\n\nChannel 0: They call it the SIS Act, SIS. It's just the the legislation that governs who can receive superannuation benefits.\n\nChannel 1: Right. So does that mean I can't well, I I guess I wanna nominate my two kids, but they're not dependents. Like, a 20 well, I don't know. Twenty two and twenty.\n\nChannel 0: Yeah. Adult children do count. The only difference is that the they don't count as a tax dependent, which means that they'll pay a small amount of tax when they receive the benefits, but they are valid nominees. Children do count even if they're adults. They just don't\n\nChannel 1: Right.\n\nChannel 0: get the tax benefits if they were a minor.\n\nChannel 1: Okay.\n\nChannel 0: Would that be the way to go?\n\nChannel 1: Yeah. Yeah. That'll be that'll be the way it goes. Yep. You know?\n\nChannel 0: Cool. What we normally do is link in, like, a a legally binding nomination. So the super fund has to do it. They do give you an option to do a nonbinding, so they they have discretion on who it goes to. And if you would like, we can make it a non lapsing so it doesn't expire after three years.\n\nIt just continues on until you decide to change it. Would that be okay?\n\nChannel 1: Yep.\n\nChannel 0: Cool. I can get some forms sent out to you with a little bit of an instruction cover page. If you have\n\nChannel 1: Yep.\n\nChannel 0: any troubles with it, just call in, and we can walk you through them in two minutes flat.\n\nChannel 1: Yep. How much interest are we talking when you say a small they pay a small amount of interest?\n\nChannel 0: Just gonna so the taxes that\n\nChannel 1: That, like,\n\nChannel 0: they can get,\n\nChannel 1: five percent, 3%. That's what I'd consider to be a small amount.\n\nChannel 0: no. Well, then it would be considered a large amount. I do apologize for the terminology. A portion of the super that remains in a taxable, untaxed component would be charged up to 15% plus the Medicare levy.\n\nChannel 1: Yeah. Okay. So that's how much tax they would pay upon payout.\n\nChannel 0: Yeah. And depending on the underlying proportions, because some of the amounts that go in, it's they split it taxable, taxed, taxable, untaxed. There's the different components inside the super under the hood. When you transition into the kind of retirement phase in the sixties, that starts to slowly convert over, and we actually put it in into a tax free component where they won't pay that amount. It's mainly for if you were to pass away before the age of 60, a large proportion of that would cop about fifteen percent.\n\nChannel 1: Okay. Yeah. Yeah. That's still okay.\n\nChannel 0: Yeah. The only other thing which is quite a lot of work for not much benefit is you can set up, like, a a will where the super goes to your estate, then gets passed to the children there, and then they avoid the 2% Medicare levy. That's probably the only savings, but it's quite complex to set up.\n\nChannel 1: Yep.\n\nChannel 0: With those, they are legal documents. So the main thing is just making sure that you do, like, a wet signature with a pen. You get a couple of people. Any adults can witness it as long as they are not the beneficiaries.\n\nChannel 1: Right. Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I did find out sorry. The rest of that document just covers wills, powers of attorney, and so on. The\n\nChannel 1: Right.\n\nChannel 0: two things I wanted to just finish off on was the insurance research.\n\nChannel 1: Yep.\n\nChannel 0: We did find a single provider, a sender, who offers income protection for train drivers. It's called a dark blue rating. So you're you're alongside concreters, and the premiums were upwards of $8,000 per year.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So I\n\nChannel 1: So what\n\nChannel 0: just want to flag\n\nChannel 1: is\n\nChannel 0: sorry.\n\nChannel 1: it\n\nChannel 0: Go ahead.\n\nChannel 1: is it sales alongside concretive?\n\nChannel 0: In terms of that risk category, b rating or dark blue as they call it is kind of the riskiest category you go to before they start applying special conditions or don't offer cover.\n\nChannel 1: Why would train drivers be in such a high risk category?\n\nChannel 0: I think it just comes back to that conversation we had last week about ability to return to work if you have, you know, fingers, hands, broken legs, and so on. I do still find it strange now that you mentioned it in our last conversation, but everyone else was not offering the insurance at all.\n\nChannel 1: Because I remember having a conversation about this. It might have been Kyle. There was a guy who, who's no longer there. And he mentioned, you know, about, you know, walking around the yard and, you know, getting amongst the trains and, you know, having to walk around trains and stuff.\n\nChannel 0: Yeah.\n\nChannel 1: And I guess the difference between us as train drivers and a random member of the public would be the fact that, number one, we're provided with training. We're familiar with the area that we're working in. We wear\n\nChannel 0: Yeah.\n\nChannel 1: high visibility clothing. And and, yeah, all of the risk is sort of mitigated as much as possible.\n\nChannel 0: It's strange. The the riskier, quote, unquote, occupations have the most checks and balances, safety staff on-site, guardrails up,\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: health checks, everything.\n\nChannel 1: We offer or, you know, work around trains without any kind of training. Yeah. And and every possible risk as much as possible, they have some kind of mitigation because they know it's a risky environment. But\n\nChannel 0: Yeah.\n\nChannel 1: it's only risky to a member of the public, I guess, who happens to wander around there with no idea where they are.\n\nChannel 0: Walk on through.\n\nChannel 1: Yeah. They got no training. They got no, you know, high vis clothing. You know, then I can understand it's a a risk. But, you know, when you're sort of provided training and and all the safety gear, you know, you sort of medicate it as much as possible.\n\nChannel 0: Yeah. I think the way they've explained it to me, like, the underwriters that do the health checks, which I don't necessarily agree with, but the way they explained it to me was that if I had a a shattered leg, I could still my work would let me come back and pop a headset on and do a few phone calls. But a lot of the,\n\nChannel 1: Right.\n\nChannel 0: again, surgeons and, yeah, working from home don't even have to drive. Whereas surgeons and pilots and things like that, they would just be like, no. You just can't come on-site until you've got to return to work and health and fitness and all that kind of thing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I do find it silly. I do agree. But like I said, I've checked every single insurer in the country, found one, but it just does not seem to be much much of a benefit for cost that I can see. If it was 2,000, maybe.\n\nChannel 1: Yep. Yep. Not fair enough.\n\nChannel 0: I have included that there, so it's an option, but I haven't recommended it at this point.\n\nChannel 1: Yep. Fair enough.\n\nChannel 0: Cool. The last thing to go over to is I've included the updated service guides with Oakview. I did mention last week that we've changed over to that tiered fee structure. So above 200,000, I get the percentage discount from 1.6\n\nChannel 1: Yep.\n\nChannel 0: five to 1.37. And then above 500,000, it goes to 1.1. So I held off on sending any documents through last week until we had the new one in place for you so you can start to receive the discounts as well for us.\n\nChannel 1: You're alright. Yep.\n\nChannel 0: K? Again, half of these documents are just to keep on file. If you're comfortable with what I've come up with, you basically just need to sign the authority on the statement of advice and\n\nChannel 1: Yep.\n\nChannel 0: the consent form for the super funds, and that's it. It's just those two. Everything else is just for your records.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I also do appreciate you taking my call because of the technical mix up there and going through this with me because I would hate to just kind of send you a a document full of jargon and leave you to your devices. I would much rather go through it, answer any questions that you have. And just wondering if you do have any any questions at this point.\n\nChannel 1: So what you're talking about now, is this the online document that I need to go through and sign?\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Yep. Yep. I can do that.\n\nChannel 0: If possible, when you go in there, you don't have to scroll through every single document. There's usually, like, a get started bit at the top, and it will bring you to the sections to stamp the signature and the date and the name on. And then it will just say next document, next document. Once you get to the end, there will just be a validate button. It'll probably take a good minute to to do the spinning circle to load, And then that way, it'll send you a signed copy and one through to us as well.\n\nChannel 1: Okay.\n\nChannel 0: Awesome. I do wanna put on your file as well in terms of next catch ups. Do you want me to put in for a catch up before the end of the year, just for the next annual review,\n\nChannel 1: Yep.\n\nChannel 0: quarterly? What would be your preference?\n\nChannel 1: Yeah. It is. Please hold it. I'm using it. Yep.\n\nChannel 0: Yep. I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time.\n\nChannel 1: Yeah. That'll be good.\n\nChannel 0: Awesome, Shane. I'll get Michelle to send out those beneficiary forms. Again, give us a buzz if you need any help with them. And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Awesome. Any questions for me, mate?\n\nChannel 1: No. Nothing on it now.\n\nChannel 0: Cool. Alrighty.\n\nChannel 1: So when when so when do I need to get this back to you by?\n\nChannel 0: At least within thirty days because they do expire all of the data that we use. So hopefully within thirty days, but we can't change anything until we've got your consent.\n\nChannel 1: Yep. Yep. No dramas. Well, I got shortened. Get it back to your email anyway.\n\nChannel 0: Awesome. Thank you so much for that, Shane, and sorry again for the mix up the an hour ago.\n\nChannel 1: Yep. No. All good.\n\nChannel 0: Awesome, mate. Thank you so much for your time, and I'll talk to you soon.\n\nChannel 1: Terrific. No worries. Okay. So yeah.\n\nChannel 0: See you, mate. Cheers.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.057640790939331055}],"sentiment":"neutral","sentiment_score":0.057640790939331055,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"Good day, Shane.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.3195199767748515},{"text":"It's Tommy here from Oakview, mate.","start":3.6,"end":5.2,"sentiment":"neutral","sentiment_score":0.11790697773297627},{"text":"I'm so sorry.","start":5.2,"end":6.0,"sentiment":"neutral","sentiment_score":-0.16038490583499274},{"text":"Do you have a quick second?","start":6.0,"end":7.14,"sentiment":"neutral","sentiment_score":-0.12111345181862514}],"sentiment":"neutral","sentiment_score":0.025453687128093507,"channel":0,"num_words":18,"start":2.8799999,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":-0.029451731592416763},{"text":"For sure.","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":-0.025380456820130348}],"sentiment":"neutral","sentiment_score":-0.026737548410892487,"channel":1,"num_words":3,"start":7.44,"end":8.5},{"sentences":[{"text":"Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM.","start":8.88,"end":22.064999,"sentiment":"neutral","sentiment_score":-0.2039578343300443},{"text":"I was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you.","start":22.525,"end":27.985,"sentiment":"neutral","sentiment_score":-0.14096069371416456}],"sentiment":"neutral","sentiment_score":-0.18153512326337523,"channel":0,"num_words":59,"start":8.88,"end":27.985},{"sentences":[{"text":"Yeah.","start":28.19,"end":28.51,"sentiment":"neutral","sentiment_score":-0.09745599329471588},{"text":"Not answered.","start":28.51,"end":29.25,"sentiment":"neutral","sentiment_score":-0.12685348093509674}],"sentiment":"neutral","sentiment_score":-0.11705431838830312,"channel":1,"num_words":3,"start":28.19,"end":29.25},{"sentences":[{"text":"Perfect.","start":30.25,"end":30.49,"sentiment":"neutral","sentiment_score":0.2107475996017456},{"text":"So what I'll do is I will shoot the documents out to you for that updated strategy.","start":30.49,"end":35.63,"sentiment":"neutral","sentiment_score":0.14226602193187265},{"text":"Will you be able to look onto it with me now, or should I just kind of give you a bit of through?","start":36.33,"end":40.43,"sentiment":"neutral","sentiment_score":0.0727302571353705}],"sentiment":"neutral","sentiment_score":0.10492843625749029,"channel":0,"num_words":41,"start":30.25,"end":40.43},{"sentences":[{"text":"No.","start":41.164997,"end":41.484997,"sentiment":"neutral","sentiment_score":-0.09214726090431212},{"text":"I can I can look in?","start":41.484997,"end":43.984997,"sentiment":"neutral","sentiment_score":-0.04797074695428213}],"sentiment":"neutral","sentiment_score":-0.05428167751857212,"channel":1,"num_words":7,"start":41.164997,"end":43.984997},{"sentences":[{"text":"Perfect.","start":45.05,"end":45.45,"sentiment":"neutral","sentiment_score":0.17669402062892914},{"text":"Perfect.","start":45.45,"end":45.95,"sentiment":"neutral","sentiment_score":0.213065505027771},{"text":"So that will come through pretty quickly.","start":46.115,"end":49.175,"sentiment":"neutral","sentiment_score":0.15547554620674678},{"text":"If this is your first time using the new system, it may go to your spam folder, but I'll shoot that through.","start":49.555,"end":55.815,"sentiment":"neutral","sentiment_score":-0.03188178942284801},{"text":"Just while that's coming through, mate, could I just confirm for security your date of birth and address?","start":57.475,"end":62.71,"sentiment":"neutral","sentiment_score":0.05434869695454836}],"sentiment":"neutral","sentiment_score":0.03581562299965596,"channel":0,"num_words":49,"start":45.05,"end":62.71},{"sentences":[{"text":"Yep.","start":63.19,"end":63.67,"sentiment":"neutral","sentiment_score":0.01294953003525734},{"text":"06/10/1970.","start":63.67,"end":65.29,"sentiment":"neutral","sentiment_score":0.00819700863212347},{"text":"21 King Street, Wallen, Victoria.","start":65.915,"end":68.735,"sentiment":"neutral","sentiment_score":0.017241639271378516}],"sentiment":"neutral","sentiment_score":0.015336390717753343,"channel":1,"num_words":7,"start":63.19,"end":68.735},{"sentences":[{"text":"Perfect.","start":68.61,"end":69.11,"sentiment":"positive","sentiment_score":0.3879058361053467},{"text":"Thank you so much for that.","start":69.65,"end":70.69,"sentiment":"positive","sentiment_score":0.5874243974685669},{"text":"And are you okay for the call to be 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Super.","start":80.975,"end":93.6,"sentiment":"neutral","sentiment_score":0.19810598833220347},{"text":"But can you see a statement of advice email?","start":93.74,"end":96.71999,"sentiment":"neutral","sentiment_score":0.04108596179220411}],"sentiment":"neutral","sentiment_score":0.19291767997272086,"channel":0,"num_words":66,"start":74.13,"end":96.71999},{"sentences":[{"text":"Yep.","start":97.655,"end":98.155,"sentiment":"neutral","sentiment_score":0.11124901473522186}],"sentiment":"neutral","sentiment_score":0.11124901473522186,"channel":1,"num_words":1,"start":97.655,"end":98.155},{"sentences":[{"text":"Cool.","start":99.899994,"end":100.395,"sentiment":"neutral","sentiment_score":0.1797979772090912},{"text":"Now when you pop that open, there should be a blue button.","start":100.475,"end":103.295,"sentiment":"neutral","sentiment_score":0.13080375269055367},{"text":"It does say, like, to start the signing process, but it just brings open the documents for you to 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alright.","start":145.41,"end":145.81,"sentiment":"neutral","sentiment_score":0.02596656233072281},{"text":"Sometimes because there's a a thousand pages, it can sometimes take a minute to load.","start":145.81,"end":150.47,"sentiment":"neutral","sentiment_score":-0.1752075826128324},{"text":"There's quite a lot that goes along with it.","start":151.41,"end":153.17,"sentiment":"neutral","sentiment_score":-0.2433139814270867},{"text":"I do apologize.","start":153.17,"end":153.98999,"sentiment":"neutral","sentiment_score":-0.139552041888237}],"sentiment":"neutral","sentiment_score":-0.17226073474933704,"channel":0,"num_words":30,"start":145.25,"end":153.98999},{"sentences":[{"text":"No.","start":191.7,"end":192.2,"sentiment":"neutral","sentiment_score":-0.08117225766181946}],"sentiment":"neutral","sentiment_score":-0.08117225766181946,"channel":1,"num_words":1,"start":191.7,"end":192.2},{"sentences":[{"text":"Is it is it doing a bit of a circle loading thing, or what's what's popped up for 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funds with CareSuper.","start":396.645,"end":406.185,"sentiment":"neutral","sentiment_score":0.14280956136909398},{"text":"So I have got all of that researched and ready to go.","start":407.04498,"end":410.73,"sentiment":"positive","sentiment_score":0.4938846106330554},{"text":"And what we're not providing advice on is just cash flow and debt management in terms of paying off your mortgage.","start":410.97,"end":417.47,"sentiment":"negative","sentiment_score":-0.3964759067055725},{"text":"Budgeting advice at this point is not in this 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not accurate, that may impact the advice.","start":435.915,"end":440.175,"sentiment":"negative","sentiment_score":-0.3487889458026205},{"text":"We have the about you section on page seven, assets and liabilities on page eight, which we updated recently.","start":440.81,"end":450.27,"sentiment":"neutral","sentiment_score":-0.022506560640115487}],"sentiment":"neutral","sentiment_score":-0.11750619469041174,"channel":0,"num_words":66,"start":426.555,"end":450.27},{"sentences":[{"text":"After that is your hub Australian super and care super funds as well as that remaining insurance policy with Australian 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you","start":468.475,"end":474.46,"sentiment":"neutral","sentiment_score":-0.01853677226851384}],"sentiment":"neutral","sentiment_score":0.005572477319779305,"channel":0,"num_words":26,"start":462.55502,"end":474.46},{"sentences":[{"text":"Yep.","start":474.38998,"end":474.88998,"sentiment":"neutral","sentiment_score":0.02472865581512451}],"sentiment":"neutral","sentiment_score":0.02472865581512451,"channel":1,"num_words":1,"start":474.38998,"end":474.88998},{"sentences":[{"text":"should see there's two pages for that.","start":474.46,"end":476.46,"sentiment":"neutral","sentiment_score":0.019432244822382927},{"text":"Second one has, like, a exploded pie chart kind of thing.","start":476.46,"end":479.34,"sentiment":"neutral","sentiment_score":0.03895108638839288},{"text":"Just gives you an example of what a portfolio looks like, and then you'll see a big wall of text on page 12, strategy recommendations.","start":479.34,"end":487.245,"sentiment":"neutral","sentiment_score":0.04414992779493332},{"text":"Can you see that one there?","start":487.54498,"end":488.76498,"sentiment":"neutral","sentiment_score":0.026839314959943295}],"sentiment":"neutral","sentiment_score":0.03733207650330602,"channel":0,"num_words":49,"start":474.46,"end":488.76498},{"sentences":[{"text":"Yep.","start":489.75,"end":490.125,"sentiment":"neutral","sentiment_score":0.14092576503753662}],"sentiment":"neutral","sentiment_score":0.14092576503753662,"channel":1,"num_words":1,"start":489.75,"end":490.125},{"sentences":[{"text":"Cool.","start":490.745,"end":491.22498,"sentiment":"neutral","sentiment_score":0.27871739864349365},{"text":"So what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said.","start":491.22498,"end":496.76498,"sentiment":"neutral","sentiment_score":0.22707028451718783},{"text":"You wanted to consolidate the Care Super, get that across.","start":497.145,"end":500.76498,"sentiment":"neutral","sentiment_score":0.21560661494731903},{"text":"We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy.","start":501.41,"end":509.99,"sentiment":"neutral","sentiment_score":0.19238038822298958},{"text":"And then we've also included a portfolio update as well.","start":510.37,"end":515.27,"sentiment":"neutral","sentiment_score":0.21642379686236382}],"sentiment":"neutral","sentiment_score":0.21234991926638808,"channel":0,"num_words":61,"start":490.745,"end":515.27},{"sentences":[{"text":"I've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio.","start":516.485,"end":524.905,"sentiment":"neutral","sentiment_score":0.24398805238306523}],"sentiment":"neutral","sentiment_score":0.24398805238306523,"channel":0,"num_words":20,"start":516.485,"end":524.905},{"sentences":[{"text":"Try that again.","start":528.34503,"end":529.065,"sentiment":"neutral","sentiment_score":0.12855149060487747},{"text":"You recommended doing what?","start":529.065,"end":531.9,"sentiment":"neutral","sentiment_score":0.03766746079782024}],"sentiment":"neutral","sentiment_score":0.07661775928655905,"channel":1,"num_words":7,"start":528.34503,"end":531.9},{"sentences":[{"text":"To update the Australian super investment option to be in line with your risk profile the same as the hub portfolio.","start":532.82,"end":539.80005,"sentiment":"neutral","sentiment_score":0.12120298331692106}],"sentiment":"neutral","sentiment_score":0.12120298331692106,"channel":0,"num_words":21,"start":532.82,"end":539.80005},{"sentences":[{"text":"Oh, 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on the right hand side.","start":578.995,"end":590.76,"sentiment":"neutral","sentiment_score":0.12188677862286568},{"text":"Does that can you make that figures out?","start":590.76,"end":592.7,"sentiment":"neutral","sentiment_score":0.07013295870274305}],"sentiment":"neutral","sentiment_score":0.11344670605224867,"channel":0,"num_words":48,"start":578.355,"end":592.7},{"sentences":[{"text":"Yep.","start":593.33,"end":593.83,"sentiment":"neutral","sentiment_score":0.22337627410888672}],"sentiment":"neutral","sentiment_score":0.22337627410888672,"channel":1,"num_words":1,"start":593.33,"end":593.83},{"sentences":[{"text":"Cool.","start":594.44,"end":594.92,"sentiment":"positive","sentiment_score":0.41767245531082153},{"text":"So what we're obviously gonna do is close down the CareSuper.","start":594.92,"end":598.425,"sentiment":"neutral","sentiment_score":0.22837913713671945},{"text":"You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the 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584.","start":610.74,"end":613.48,"sentiment":"neutral","sentiment_score":0.06694478914141655},{"text":"This","start":614.01996,"end":614.26,"sentiment":"neutral","sentiment_score":0.06617853045463562}],"sentiment":"neutral","sentiment_score":0.0703020098486117,"channel":0,"num_words":14,"start":608.40497,"end":614.26},{"sentences":[{"text":"Yep.","start":614.22504,"end":614.72504,"sentiment":"neutral","sentiment_score":0.07702647894620895}],"sentiment":"neutral","sentiment_score":0.07702647894620895,"channel":1,"num_words":1,"start":614.22504,"end":614.72504},{"sentences":[{"text":"takes into account any kind of buy or sell costs for moving funds around or changing investments.","start":614.26,"end":620.36,"sentiment":"neutral","sentiment_score":0.02936547074247809},{"text":"It also takes into account capital gains tax inside the super under the hood.","start":620.98,"end":627.15497,"sentiment":"neutral","sentiment_score":0.05658075798835073},{"text":"So when we update your portfolio gains and losses, there's a little bit of a superannuation tax hidden inside, and we do factor that into our projections as well.","start":627.45496,"end":637.71497,"sentiment":"neutral","sentiment_score":0.05165718168277165}],"sentiment":"neutral","sentiment_score":0.04649003138765693,"channel":0,"num_words":60,"start":614.26,"end":637.71497},{"sentences":[{"text":"Yep.","start":638.225,"end":638.725,"sentiment":"neutral","sentiment_score":0.021818723529577255}],"sentiment":"neutral","sentiment_score":0.021818723529577255,"channel":1,"num_words":1,"start":638.225,"end":638.725},{"sentences":[{"text":"For your balance, 584 was basically negligible.","start":639.48,"end":642.54,"sentiment":"neutral","sentiment_score":-0.23818449888910567},{"text":"If that was upwards of 5,000 or above, I would put a flag on it as a reason not to change investments.","start":643.39996,"end":649.5,"sentiment":"negative","sentiment_score":-0.33837668326768006},{"text":"But as a proportion of your overall balance, that's very, very minimal to completely update everything.","start":649.95996,"end":655.465,"sentiment":"neutral","sentiment_score":-0.3147754627279937}],"sentiment":"neutral","sentiment_score":-0.31439968728356893,"channel":0,"num_words":45,"start":639.48,"end":655.465},{"sentences":[{"text":"Yep.","start":656.23,"end":656.71,"sentiment":"neutral","sentiment_score":0.06252749264240265},{"text":"Yep.","start":656.71,"end":657.21,"sentiment":"neutral","sentiment_score":-0.09989124536514282}],"sentiment":"neutral","sentiment_score":-0.018681876361370087,"channel":1,"num_words":2,"start":656.23,"end":657.21},{"sentences":[{"text":"You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds.","start":658.085,"end":668.73,"sentiment":"positive","sentiment_score":0.5607468640804291},{"text":"So you already make that back and more just in the first twelve months of fee 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recommending.","start":682.41,"end":691.215,"sentiment":"positive","sentiment_score":0.4882375867593856}],"sentiment":"positive","sentiment_score":0.5228259830098403,"channel":0,"num_words":38,"start":676.73,"end":691.215},{"sentences":[{"text":"Yeah.","start":691.985,"end":692.225,"sentiment":"neutral","sentiment_score":0.20257103443145752},{"text":"Okay.","start":692.225,"end":692.725,"sentiment":"neutral","sentiment_score":0.20828869938850403},{"text":"Yep.","start":692.785,"end":693.285,"sentiment":"neutral","sentiment_score":0.21463823318481445}],"sentiment":"neutral","sentiment_score":0.20849932233492532,"channel":1,"num_words":3,"start":691.985,"end":693.285},{"sentences":[{"text":"I have broken it down a little bit.","start":694.075,"end":695.59503,"sentiment":"neutral","sentiment_score":0.09290940593928099},{"text":"Now please take this with a bit of a grain of salt because we will change your risk level over time, but the projection under that table shows we're expecting 1 to $300,000 better off over the next five to ten years if you were to maintain high growth for the full decade, that is,","start":695.59503,"end":712.095,"sentiment":"neutral","sentiment_score":0.06125091910362244}],"sentiment":"neutral","sentiment_score":0.06527104441608701,"channel":0,"num_words":63,"start":694.075,"end":712.095},{"sentences":[{"text":"Yep.","start":713.07996,"end":713.57996,"sentiment":"neutral","sentiment_score":-0.10486169159412384}],"sentiment":"neutral","sentiment_score":-0.10486169159412384,"channel":1,"num_words":1,"start":713.07996,"end":713.57996},{"sentences":[{"text":"which I would probably turn it down a bit quicker than ten years.","start":714.01495,"end":717.375,"sentiment":"negative","sentiment_score":-0.41254143302257246},{"text":"But if that was to continue, that's all.","start":717.375,"end":720.19495,"sentiment":"neutral","sentiment_score":-0.18231926718726754}],"sentiment":"neutral","sentiment_score":-0.32483775079959915,"channel":0,"num_words":21,"start":714.01495,"end":720.19495},{"sentences":[{"text":"Yep.","start":721.97504,"end":722.47504,"sentiment":"neutral","sentiment_score":0.13346272706985474}],"sentiment":"neutral","sentiment_score":0.13346272706985474,"channel":1,"num_words":1,"start":721.97504,"end":722.47504},{"sentences":[{"text":"The last couple here that are important is the investment returns on the next page.","start":723.21497,"end":727.44,"sentiment":"neutral","sentiment_score":0.17245489458243052},{"text":"We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of 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returns.","start":753.305,"end":756.12964,"sentiment":"neutral","sentiment_score":-0.001952068614108222},{"text":"It's quite a small page.","start":756.12964,"end":756.1604,"sentiment":"neutral","sentiment_score":-0.08455477505922318},{"text":"There's only one table on it.","start":756.1604,"end":756.765,"sentiment":"neutral","sentiment_score":-0.05000152656187614},{"text":"Returns.","start":757.92,"end":758.42,"sentiment":"neutral","sentiment_score":-0.007631659507751465}],"sentiment":"neutral","sentiment_score":-0.029143986722024586,"channel":0,"num_words":26,"start":753.305,"end":758.42},{"sentences":[{"text":"Yep.","start":758.44,"end":758.94,"sentiment":"neutral","sentiment_score":0.01764586940407753}],"sentiment":"neutral","sentiment_score":0.01764586940407753,"channel":1,"num_words":1,"start":758.44,"end":758.94},{"sentences":[{"text":"It's quite a small page.","start":758.64,"end":759.83997,"sentiment":"neutral","sentiment_score":-0.06060023009777069},{"text":"There's only one 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lapsing.","start":802.725,"end":812.105,"sentiment":"neutral","sentiment_score":0.13582894951105118},{"text":"The options below in hub 24 at the bottom of that page are all the ones that I would like to update, whether that be a full removal or a slight rebalance back to the the usual 7%.","start":812.96497,"end":827.23,"sentiment":"neutral","sentiment_score":0.1755773464315816},{"text":"The page after it will show all of the options that I would like to add into your portfolio.","start":828.00995,"end":832.57495,"sentiment":"neutral","sentiment_score":0.22984370746110616}],"sentiment":"neutral","sentiment_score":0.1746138846173006,"channel":0,"num_words":85,"start":802.725,"end":832.57495},{"sentences":[{"text":"Okay.","start":834.475,"end":834.975,"sentiment":"neutral","sentiment_score":0.15380889177322388}],"sentiment":"neutral","sentiment_score":0.15380889177322388,"channel":1,"num_words":1,"start":834.475,"end":834.975},{"sentences":[{"text":"And you should see about five green ones there below.","start":834.475,"end":837.13495,"sentiment":"neutral","sentiment_score":0.12829935252666474}],"sentiment":"neutral","sentiment_score":0.12829935252666474,"channel":0,"num_words":10,"start":834.475,"end":837.13495},{"sentences":[{"text":"Yep.","start":837.755,"end":838.2,"sentiment":"neutral","sentiment_score":0.1338200867176056},{"text":"Yep.","start":838.28,"end":838.78,"sentiment":"neutral","sentiment_score":0.13358230888843536}],"sentiment":"neutral","sentiment_score":0.13370119780302048,"channel":1,"num_words":2,"start":837.755,"end":838.78},{"sentences":[{"text":"So the satellites, the small amounts going into a bit of Europe and Japan, that's just to get you exposures to those different areas.","start":838.71497,"end":845.535,"sentiment":"neutral","sentiment_score":0.09738946395615737},{"text":"The main big ones for you is the last two.","start":846.38,"end":849.28,"sentiment":"neutral","sentiment_score":-0.21100187599658965},{"text":"The BetaShares Australia two 100 is a low fee, passive replacement of that Benelon option that was doing quite poorly.","start":849.66003,"end":857.92004,"sentiment":"negative","sentiment_score":-0.3527668245136738},{"text":"The iShares composite bonds below that is a replacement of your bank hybrids that are being phased out over the next two years.","start":859.165,"end":867.745,"sentiment":"neutral","sentiment_score":-0.13784062279307324}],"sentiment":"neutral","sentiment_score":-0.12984860311080884,"channel":0,"num_words":77,"start":838.71497,"end":867.745},{"sentences":[{"text":"Yep.","start":869.95,"end":870.45,"sentiment":"neutral","sentiment_score":0.07445282489061356}],"sentiment":"neutral","sentiment_score":0.07445282489061356,"channel":1,"num_words":1,"start":869.95,"end":870.45},{"sentences":[{"text":"K?","start":871.08496,"end":871.56,"sentiment":"neutral","sentiment_score":0.041173361241817474},{"text":"What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation.","start":871.72,"end":879.34,"sentiment":"neutral","sentiment_score":0.10848185655971368}],"sentiment":"neutral","sentiment_score":0.10631061477526542,"channel":0,"num_words":31,"start":871.08496,"end":879.34},{"sentences":[{"text":"Yep.","start":881.34503,"end":881.84503,"sentiment":"neutral","sentiment_score":0.17998772859573364}],"sentiment":"neutral","sentiment_score":0.17998772859573364,"channel":1,"num_words":1,"start":881.34503,"end":881.84503},{"sentences":[{"text":"The main thing here for high growth is you need to be between 90 to a 100% growth assets.","start":882.6,"end":886.995,"sentiment":"neutral","sentiment_score":0.12061316637616408},{"text":"When we're close to retirement, we'll taper you down to eighty, seventy, sixty, fifty, forty.","start":887.635,"end":892.855,"sentiment":"neutral","sentiment_score":0.03010790189728141},{"text":"But at this","start":893.075,"end":893.71497,"sentiment":"neutral","sentiment_score":0.05806030333042145}],"sentiment":"neutral","sentiment_score":0.0788499891783136,"channel":0,"num_words":37,"start":882.6,"end":893.71497},{"sentences":[{"text":"Yep.","start":893.53,"end":894.03,"sentiment":"neutral","sentiment_score":0.07885228097438812}],"sentiment":"neutral","sentiment_score":0.07885228097438812,"channel":1,"num_words":1,"start":893.53,"end":894.03},{"sentences":[{"text":"point, I just wanna shade you back up a little bit.","start":893.71497,"end":896.535,"sentiment":"neutral","sentiment_score":0.06032381477681073},{"text":"And by getting it all into the high growth, we'll be sitting at around 93 and a half from just shy of 87 where you currently sit.","start":896.595,"end":904.60004,"sentiment":"neutral","sentiment_score":0.2149901245203283},{"text":"So it's only a very small bump up because Australian Super needs to bump up to high growth, but the hub is basically staying the same in terms of risk level.","start":904.60004,"end":913.82,"sentiment":"neutral","sentiment_score":0.14274960972609058}],"sentiment":"neutral","sentiment_score":0.15787729313192161,"channel":0,"num_words":69,"start":893.71497,"end":913.82},{"sentences":[{"text":"Yep.","start":914.685,"end":915.185,"sentiment":"neutral","sentiment_score":0.21521221101284027}],"sentiment":"neutral","sentiment_score":0.21521221101284027,"channel":1,"num_words":1,"start":914.685,"end":915.185},{"sentences":[{"text":"The big risk mitigation that we're doing is just removing that bad apple option, which has just not performed the way we would expect and hope for.","start":915.755,"end":924.015,"sentiment":"neutral","sentiment_score":0.05402467758567245},{"text":"Get one in there that's a bit more consistent that doesn't have such wild swings.","start":924.635,"end":928.33496,"sentiment":"neutral","sentiment_score":0.1979686180750529},{"text":"So, technically speaking, you're almost going to slightly lower risk than what you were before this document.","start":928.8,"end":934.18,"sentiment":"neutral","sentiment_score":0.3006088312934427}],"sentiment":"neutral","sentiment_score":0.16167026606656737,"channel":0,"num_words":59,"start":915.755,"end":934.18},{"sentences":[{"text":"Yep.","start":933.74,"end":934.24,"sentiment":"neutral","sentiment_score":0.2075309008359909}],"sentiment":"neutral","sentiment_score":0.2075309008359909,"channel":1,"num_words":1,"start":933.74,"end":934.24},{"sentences":[{"text":"K?","start":936.88,"end":937.38,"sentiment":"neutral","sentiment_score":0.15503539144992828},{"text":"So quick recap.","start":937.44,"end":938.74,"sentiment":"neutral","sentiment_score":0.22215221325556436},{"text":"Let's go from three funds to two, get everything in line with the high growth, fix up a few investment options, let that carry forward for a while, and then work on tapering risk off once you've built your funds.","start":938.96,"end":951.245,"sentiment":"neutral","sentiment_score":0.2689329065382481},{"text":"Drop the investment fees, improve the returns, very small brokerage fees, and CGT to actually do all of these transactions.","start":952.185,"end":961.49,"sentiment":"neutral","sentiment_score":0.322546449303627},{"text":"Does that make sense?","start":962.99,"end":964.20996,"sentiment":"neutral","sentiment_score":0.2432233691215515}],"sentiment":"neutral","sentiment_score":0.2794504522839013,"channel":0,"num_words":68,"start":936.88,"end":964.20996},{"sentences":[{"text":"Do you like what we've come up with?","start":964.35,"end":965.87,"sentiment":"neutral","sentiment_score":0.27895957604050636},{"text":"Do you have any questions?","start":965.87,"end":966.85,"sentiment":"neutral","sentiment_score":0.07519175484776497}],"sentiment":"neutral","sentiment_score":0.2005873371202212,"channel":0,"num_words":13,"start":964.35,"end":966.85},{"sentences":[{"text":"Yeah.","start":967.875,"end":968.195,"sentiment":"neutral","sentiment_score":0.084282286465168},{"text":"No.","start":968.195,"end":968.515,"sentiment":"neutral","sentiment_score":0.07502231746912003},{"text":"That's good enough.","start":968.515,"end":969.65497,"sentiment":"neutral","sentiment_score":0.18394331137339273}],"sentiment":"neutral","sentiment_score":0.14222690761089324,"channel":1,"num_words":5,"start":967.875,"end":969.65497},{"sentences":[{"text":"Cool.","start":970.925,"end":971.425,"sentiment":"positive","sentiment_score":0.5198801755905151},{"text":"I will if you obviously sign off on this, I'll run this for a little while.","start":971.96497,"end":975.985,"sentiment":"neutral","sentiment_score":0.3312182351946831},{"text":"Keep an eye on it.","start":976.525,"end":977.665,"sentiment":"positive","sentiment_score":0.36850727796554567},{"text":"Put in a few catch ups with you to see how things are going.","start":977.725,"end":980.525,"sentiment":"positive","sentiment_score":0.4200996330806187},{"text":"Make sure it's going in the right direction and in line with your expectations.","start":980.525,"end":984.35,"sentiment":"positive","sentiment_score":0.5901386099202293}],"sentiment":"positive","sentiment_score":0.43610487461090086,"channel":0,"num_words":50,"start":970.925,"end":984.35},{"sentences":[{"text":"Yep.","start":985.31,"end":985.81,"sentiment":"neutral","sentiment_score":0.20901846885681152}],"sentiment":"neutral","sentiment_score":0.20901846885681152,"channel":1,"num_words":1,"start":985.31,"end":985.81},{"sentences":[{"text":"I have put in some reminders too for, like, beneficiary nominations, making sure we get all of that up to date.","start":985.76996,"end":992.91,"sentiment":"neutral","sentiment_score":0.2295782175802049},{"text":"Please forgive me if I'm if I'm forgetting the conversation, but I think you're gonna give us some thought to who you would like to nominate.","start":994.25,"end":1000.665,"sentiment":"neutral","sentiment_score":0.0619354467265881}],"sentiment":"neutral","sentiment_score":0.13683966349097007,"channel":0,"num_words":47,"start":985.76996,"end":1000.665},{"sentences":[{"text":"Sorry.","start":1002.925,"end":1003.325,"sentiment":"neutral","sentiment_score":-0.024830903857946396},{"text":"Nominate for what?","start":1003.325,"end":1004.49,"sentiment":"neutral","sentiment_score":-0.022494086374839146}],"sentiment":"neutral","sentiment_score":-0.02307829074561596,"channel":1,"num_words":4,"start":1002.925,"end":1004.49},{"sentences":[{"text":"For the beneficiary nominations, for who the super goes to if you were to 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it's anyone outside of those relationships, then it wouldn't be valid under the SIS Act.","start":1031.045,"end":1037.86,"sentiment":"neutral","sentiment_score":-0.03405711526283994}],"sentiment":"neutral","sentiment_score":0.013961657684183481,"channel":0,"num_words":33,"start":1023.685,"end":1037.86},{"sentences":[{"text":"Under the what act?","start":1040.0,"end":1041.2201,"sentiment":"neutral","sentiment_score":-0.0021651091519743204}],"sentiment":"neutral","sentiment_score":-0.0021651091519743204,"channel":1,"num_words":4,"start":1040.0,"end":1041.2201},{"sentences":[{"text":"They call it the SIS Act, SIS.","start":1041.6,"end":1043.38,"sentiment":"neutral","sentiment_score":0.013684073596128396},{"text":"It's just the the legislation that governs who can receive superannuation benefits.","start":1044.48,"end":1050.195,"sentiment":"neutral","sentiment_score":0.037628838482002415}],"sentiment":"neutral","sentiment_score":0.02880708299773304,"channel":0,"num_words":19,"start":1041.6,"end":1050.195},{"sentences":[{"text":"Right.","start":1052.175,"end":1052.655,"sentiment":"neutral","sentiment_score":0.014501774683594704},{"text":"So does that mean I can't well, I I guess I wanna nominate my two kids, but they're not dependents.","start":1052.655,"end":1063.21,"sentiment":"neutral","sentiment_score":-0.11187096536159516},{"text":"Like, a 20 well, I don't know.","start":1063.67,"end":1065.27,"sentiment":"neutral","sentiment_score":-0.11180116661957332},{"text":"Twenty two and twenty.","start":1065.27,"end":1066.57,"sentiment":"neutral","sentiment_score":-0.03922917414456606}],"sentiment":"neutral","sentiment_score":-0.09882632485823706,"channel":1,"num_words":32,"start":1052.175,"end":1066.57},{"sentences":[{"text":"Yeah.","start":1067.33,"end":1067.83,"sentiment":"neutral","sentiment_score":0.1023697555065155},{"text":"Adult children do count.","start":1067.89,"end":1069.33,"sentiment":"neutral","sentiment_score":0.16091623716056347},{"text":"The only difference is that the they don't count as a tax dependent, which means that they'll pay a small amount of tax when they receive the benefits, but they are valid nominees.","start":1069.33,"end":1079.585,"sentiment":"neutral","sentiment_score":0.04316630530537981},{"text":"Children do count even if they're adults.","start":1080.605,"end":1083.265,"sentiment":"neutral","sentiment_score":0.06307394430041313},{"text":"They just 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the way it goes.","start":1093.07,"end":1094.6699,"sentiment":"neutral","sentiment_score":0.22145708464086056},{"text":"Yep.","start":1094.6699,"end":1094.99,"sentiment":"neutral","sentiment_score":0.20140020549297333},{"text":"You know?","start":1094.99,"end":1095.65,"sentiment":"neutral","sentiment_score":0.1551287584006786}],"sentiment":"neutral","sentiment_score":0.2009303426513305,"channel":1,"num_words":13,"start":1092.6699,"end":1095.65},{"sentences":[{"text":"Cool.","start":1095.5,"end":1096.0,"sentiment":"positive","sentiment_score":0.3905805349349976},{"text":"What we normally do is link in, like, a a legally binding nomination.","start":1096.62,"end":1100.88,"sentiment":"neutral","sentiment_score":0.22710013274963087},{"text":"So the super fund has to do it.","start":1100.94,"end":1102.46,"sentiment":"neutral","sentiment_score":0.28865431994199753},{"text":"They do give you an option to do a nonbinding, so they they have discretion on who it goes to.","start":1102.46,"end":1107.375,"sentiment":"neutral","sentiment_score":0.2310364693403244},{"text":"And if you would like, we can make it a non lapsing so it doesn't expire after three years.","start":1108.235,"end":1113.515,"sentiment":"neutral","sentiment_score":0.16468218596358047}],"sentiment":"neutral","sentiment_score":0.21970176623492946,"channel":0,"num_words":61,"start":1095.5,"end":1113.515},{"sentences":[{"text":"It just continues on until you decide to change it.","start":1113.515,"end":1116.175,"sentiment":"neutral","sentiment_score":0.09039510041475296},{"text":"Would that be okay?","start":1116.9551,"end":1118.015,"sentiment":"neutral","sentiment_score":0.16549897752702236}],"sentiment":"neutral","sentiment_score":0.11185335101825851,"channel":0,"num_words":14,"start":1113.515,"end":1118.015},{"sentences":[{"text":"Yep.","start":1118.5399,"end":1119.0399,"sentiment":"neutral","sentiment_score":0.22868065536022184}],"sentiment":"neutral","sentiment_score":0.22868065536022184,"channel":1,"num_words":1,"start":1118.5399,"end":1119.0399},{"sentences":[{"text":"Cool.","start":1119.995,"end":1120.38,"sentiment":"positive","sentiment_score":0.3809059262275696},{"text":"I can get some forms sent out to you with a little bit of an instruction cover page.","start":1120.9401,"end":1125.12,"sentiment":"neutral","sentiment_score":0.22307371265358394},{"text":"If you 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get,","start":1142.4149,"end":1143.5449,"sentiment":"neutral","sentiment_score":-0.03136656433343887}],"sentiment":"neutral","sentiment_score":-0.03136656433343887,"channel":0,"num_words":3,"start":1142.4149,"end":1143.5449},{"sentences":[{"text":"five percent, 3%.","start":1143.65,"end":1145.51,"sentiment":"neutral","sentiment_score":0.01758679375052452},{"text":"That's what I'd consider to be a small amount.","start":1146.0499,"end":1148.3099,"sentiment":"neutral","sentiment_score":-0.008108374352256456}],"sentiment":"neutral","sentiment_score":-0.0016845823265612125,"channel":1,"num_words":12,"start":1143.65,"end":1148.3099},{"sentences":[{"text":"no.","start":1149.0599,"end":1149.2999,"sentiment":"neutral","sentiment_score":-0.18278451263904572},{"text":"Well, then it would be considered a large amount.","start":1149.2999,"end":1150.86,"sentiment":"neutral","sentiment_score":-0.3084019654326969},{"text":"I do apologize for the terminology.","start":1150.86,"end":1152.6,"sentiment":"neutral","sentiment_score":-0.2751914511124293},{"text":"A portion of the super that remains in a taxable, untaxed component would be charged up to 15% plus the Medicare levy.","start":1154.4199,"end":1163.245,"sentiment":"neutral","sentiment_score":-0.14323580366643993}],"sentiment":"neutral","sentiment_score":-0.20422996286498873,"channel":0,"num_words":38,"start":1149.0599,"end":1163.245},{"sentences":[{"text":"Yeah.","start":1164.5249,"end":1164.765,"sentiment":"neutral","sentiment_score":-0.01528208702802658},{"text":"Okay.","start":1164.765,"end":1165.265,"sentiment":"neutral","sentiment_score":-0.0448451042175293},{"text":"So that's how much tax they would pay upon 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place for you so you can start to receive the discounts as well for us.","start":1542.3949,"end":1551.63,"sentiment":"neutral","sentiment_score":0.2006117498332804}],"sentiment":"neutral","sentiment_score":0.17003335312686182,"channel":0,"num_words":44,"start":1537.4801,"end":1551.63},{"sentences":[{"text":"You're alright.","start":1552.5299,"end":1553.1699,"sentiment":"neutral","sentiment_score":0.15763642638921738},{"text":"Yep.","start":1553.1699,"end":1553.6699,"sentiment":"neutral","sentiment_score":0.11353734135627748}],"sentiment":"neutral","sentiment_score":0.1429367313782374,"channel":1,"num_words":3,"start":1552.5299,"end":1553.6699},{"sentences":[{"text":"K?","start":1554.1901,"end":1554.6901,"sentiment":"neutral","sentiment_score":0.0882275253534317},{"text":"Again, half of these documents are just to keep on file.","start":1555.87,"end":1559.41,"sentiment":"neutral","sentiment_score":0.15122950144789435},{"text":"If you're comfortable with what I've come up with, you basically just need to sign the authority on the statement of advice and","start":1559.95,"end":1567.405,"sentiment":"neutral","sentiment_score":0.16910652265600537}],"sentiment":"neutral","sentiment_score":0.16117720178195408,"channel":0,"num_words":35,"start":1554.1901,"end":1567.405},{"sentences":[{"text":"Yep.","start":1567.1849,"end":1567.53,"sentiment":"neutral","sentiment_score":0.11378727853298189}],"sentiment":"neutral","sentiment_score":0.11378727853298189,"channel":1,"num_words":1,"start":1567.1849,"end":1567.53},{"sentences":[{"text":"the consent form for the super funds, and that's it.","start":1567.405,"end":1571.245,"sentiment":"neutral","sentiment_score":0.17250684797763824},{"text":"It's just those two.","start":1571.245,"end":1572.045,"sentiment":"neutral","sentiment_score":0.14561830461025238},{"text":"Everything else is just for your records.","start":1572.045,"end":1574.385,"sentiment":"neutral","sentiment_score":0.126418659729617}],"sentiment":"neutral","sentiment_score":0.15202249125355766,"channel":0,"num_words":21,"start":1567.405,"end":1574.385},{"sentences":[{"text":"Yep.","start":1575.37,"end":1575.85,"sentiment":"neutral","sentiment_score":0.1060136705636978},{"text":"Yep.","start":1575.85,"end":1576.35,"sentiment":"neutral","sentiment_score":0.020059967413544655}],"sentiment":"neutral","sentiment_score":0.06303681898862123,"channel":1,"num_words":2,"start":1575.37,"end":1576.35},{"sentences":[{"text":"I also do appreciate you taking my call because of the technical mix up there and going through this with me because I would hate to just kind of send you a a document full of jargon and leave you to your devices.","start":1577.9651,"end":1590.58,"sentiment":"neutral","sentiment_score":0.1453011231713517},{"text":"I would much rather go through it, answer any questions that you have.","start":1590.58,"end":1593.945,"sentiment":"neutral","sentiment_score":0.31960563132396114},{"text":"And just wondering if you do have any any questions at this point.","start":1594.105,"end":1598.9249,"sentiment":"neutral","sentiment_score":0.1608173749767817}],"sentiment":"neutral","sentiment_score":0.18106445475764896,"channel":0,"num_words":69,"start":1577.9651,"end":1598.9249},{"sentences":[{"text":"So what you're talking about now, is this the online document that I need to go through and sign?","start":1601.2001,"end":1606.74,"sentiment":"neutral","sentiment_score":0.033497025601957976}],"sentiment":"neutral","sentiment_score":0.033497025601957976,"channel":1,"num_words":19,"start":1601.2001,"end":1606.74},{"sentences":[{"text":"Yeah.","start":1608.4249,"end":1608.745,"sentiment":"neutral","sentiment_score":0.08025410026311874},{"text":"Correct.","start":1608.745,"end":1609.245,"sentiment":"neutral","sentiment_score":0.117189459502697}],"sentiment":"neutral","sentiment_score":0.09872177988290787,"channel":0,"num_words":2,"start":1608.4249,"end":1609.245},{"sentences":[{"text":"Yep.","start":1611.4401,"end":1611.76,"sentiment":"neutral","sentiment_score":0.1310279220342636},{"text":"Yep.","start":1611.76,"end":1612.0801,"sentiment":"neutral","sentiment_score":0.2099510133266449},{"text":"I can do that.","start":1612.0801,"end":1613.14,"sentiment":"neutral","sentiment_score":0.2571211978793144}],"sentiment":"neutral","sentiment_score":0.22824395447969437,"channel":1,"num_words":6,"start":1611.4401,"end":1613.14},{"sentences":[{"text":"If possible, when you go in there, you don't have to scroll through every single document.","start":1614.89,"end":1620.43,"sentiment":"neutral","sentiment_score":0.14132375409826636},{"text":"There's usually, like, a get started bit at the top, and it will bring you to the sections to stamp the signature and the date and the name on.","start":1620.65,"end":1627.245,"sentiment":"neutral","sentiment_score":0.12129519931201277},{"text":"And then it will just say next document, next document.","start":1627.305,"end":1629.805,"sentiment":"neutral","sentiment_score":0.09651486873626709},{"text":"Once you get to the end, there will just be a validate button.","start":1630.185,"end":1633.005,"sentiment":"neutral","sentiment_score":0.14628540724515915},{"text":"It'll probably take a good minute to to do the spinning circle to load, And then that way, it'll send you a signed copy and one through to us as well.","start":1633.385,"end":1641.1001,"sentiment":"neutral","sentiment_score":0.20418612514772722}],"sentiment":"neutral","sentiment_score":0.15126636067424157,"channel":0,"num_words":99,"start":1614.89,"end":1641.1001},{"sentences":[{"text":"Okay.","start":1642.905,"end":1643.405,"sentiment":"neutral","sentiment_score":0.2747313976287842}],"sentiment":"neutral","sentiment_score":0.2747313976287842,"channel":1,"num_words":1,"start":1642.905,"end":1643.405},{"sentences":[{"text":"Awesome.","start":1645.16,"end":1645.66,"sentiment":"positive","sentiment_score":0.5231493711471558},{"text":"I do wanna put on your file as well in terms of next catch ups.","start":1646.6001,"end":1650.4601,"sentiment":"positive","sentiment_score":0.3470313310623169},{"text":"Do you want me to put in for a catch up before the end of the year, just for the next annual review,","start":1651.1849,"end":1656.645,"sentiment":"neutral","sentiment_score":0.16948973549448926}],"sentiment":"neutral","sentiment_score":0.24684316034500414,"channel":0,"num_words":39,"start":1645.16,"end":1656.645},{"sentences":[{"text":"Yep.","start":1656.8251,"end":1657.3251,"sentiment":"neutral","sentiment_score":0.10394032299518584}],"sentiment":"neutral","sentiment_score":0.10394032299518584,"channel":1,"num_words":1,"start":1656.8251,"end":1657.3251},{"sentences":[{"text":"quarterly?","start":1657.265,"end":1657.765,"sentiment":"neutral","sentiment_score":0.07265934348106384},{"text":"What would be your preference?","start":1657.825,"end":1659.445,"sentiment":"neutral","sentiment_score":0.07353903353214264}],"sentiment":"neutral","sentiment_score":0.0733924185236295,"channel":0,"num_words":6,"start":1657.265,"end":1659.445},{"sentences":[{"text":"Yeah.","start":1660.73,"end":1660.89,"sentiment":"neutral","sentiment_score":0.13568073511123657},{"text":"It is.","start":1660.89,"end":1661.45,"sentiment":"neutral","sentiment_score":0.1418996825814247},{"text":"Please hold it.","start":1661.45,"end":1662.01,"sentiment":"neutral","sentiment_score":0.11305474241574605},{"text":"I'm using it.","start":1662.01,"end":1662.66,"sentiment":"neutral","sentiment_score":0.1487620621919632},{"text":"Yep.","start":1662.66,"end":1663.16,"sentiment":"neutral","sentiment_score":0.1822858899831772}],"sentiment":"neutral","sentiment_score":0.13872164040803908,"channel":1,"num_words":10,"start":1660.73,"end":1663.16},{"sentences":[{"text":"Yep.","start":1663.345,"end":1663.6649,"sentiment":"neutral","sentiment_score":0.21068398654460907},{"text":"I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time.","start":1663.6649,"end":1675.48,"sentiment":"neutral","sentiment_score":0.19180568879426912}],"sentiment":"neutral","sentiment_score":0.19223474101586777,"channel":0,"num_words":44,"start":1663.345,"end":1675.48},{"sentences":[{"text":"Yeah.","start":1676.605,"end":1676.9249,"sentiment":"neutral","sentiment_score":0.22864222526550293},{"text":"That'll be good.","start":1676.9249,"end":1677.9049,"sentiment":"positive","sentiment_score":0.4129842122395833}],"sentiment":"positive","sentiment_score":0.36689871549606323,"channel":1,"num_words":4,"start":1676.605,"end":1677.9049},{"sentences":[{"text":"Awesome, Shane.","start":1678.58,"end":1679.505,"sentiment":"positive","sentiment_score":0.6139250695705414},{"text":"I'll get Michelle to send out those beneficiary forms.","start":1679.665,"end":1681.985,"sentiment":"positive","sentiment_score":0.39934052030245465},{"text":"Again, give us a buzz if you need any help with them.","start":1681.985,"end":1684.405,"sentiment":"positive","sentiment_score":0.3478841632604599},{"text":"And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday.","start":1685.105,"end":1696.1,"sentiment":"neutral","sentiment_score":0.28965613394975664}],"sentiment":"positive","sentiment_score":0.3337020528204036,"channel":0,"num_words":53,"start":1678.58,"end":1696.1},{"sentences":[{"text":"Yep.","start":1696.7401,"end":1697.2201,"sentiment":"neutral","sentiment_score":0.16516757011413574},{"text":"Yep.","start":1697.2201,"end":1697.7201,"sentiment":"neutral","sentiment_score":0.20930644869804385}],"sentiment":"neutral","sentiment_score":0.18723700940608978,"channel":1,"num_words":2,"start":1696.7401,"end":1697.7201},{"sentences":[{"text":"Awesome.","start":1699.28,"end":1699.78,"sentiment":"positive","sentiment_score":0.4621950685977936},{"text":"Any questions for me, mate?","start":1700.48,"end":1701.94,"sentiment":"neutral","sentiment_score":0.22286064326763153}],"sentiment":"neutral","sentiment_score":0.26274971415599185,"channel":0,"num_words":6,"start":1699.28,"end":1701.94},{"sentences":[{"text":"No.","start":1703.2201,"end":1703.4601,"sentiment":"neutral","sentiment_score":-0.13282041251659393},{"text":"Nothing on it now.","start":1703.4601,"end":1704.6001,"sentiment":"neutral","sentiment_score":-0.10143651068210602}],"sentiment":"neutral","sentiment_score":-0.1077132910490036,"channel":1,"num_words":5,"start":1703.2201,"end":1704.6001},{"sentences":[{"text":"Cool.","start":1705.845,"end":1706.345,"sentiment":"neutral","sentiment_score":0.062135618180036545},{"text":"Alrighty.","start":1708.005,"end":1708.505,"sentiment":"neutral","sentiment_score":0.1252664029598236}],"sentiment":"neutral","sentiment_score":0.09370101056993008,"channel":0,"num_words":2,"start":1705.845,"end":1708.505},{"sentences":[{"text":"So when when so when do I need to get this back to you by?","start":1708.875,"end":1714.655,"sentiment":"neutral","sentiment_score":-0.04492526029547055}],"sentiment":"neutral","sentiment_score":-0.04492526029547055,"channel":1,"num_words":15,"start":1708.875,"end":1714.655},{"sentences":[{"text":"At least within thirty days because they do expire all of the data that we use.","start":1715.6849,"end":1720.59,"sentiment":"neutral","sentiment_score":-0.07077489676885307},{"text":"So hopefully within thirty days, but we can't change anything until we've got your consent.","start":1721.07,"end":1725.1699,"sentiment":"neutral","sentiment_score":-0.11719716389973958}],"sentiment":"neutral","sentiment_score":-0.09323728409024977,"channel":0,"num_words":31,"start":1715.6849,"end":1725.1699},{"sentences":[{"text":"Yep.","start":1725.85,"end":1726.35,"sentiment":"neutral","sentiment_score":0.019120141863822937},{"text":"Yep.","start":1726.4099,"end":1726.9099,"sentiment":"neutral","sentiment_score":0.031330596655607224},{"text":"No dramas.","start":1728.09,"end":1728.83,"sentiment":"neutral","sentiment_score":-0.07044874131679535},{"text":"Well, I got shortened.","start":1728.89,"end":1729.95,"sentiment":"neutral","sentiment_score":0.05140908621251583},{"text":"Get it back to your email anyway.","start":1732.755,"end":1734.375,"sentiment":"neutral","sentiment_score":0.09791579416819982}],"sentiment":"neutral","sentiment_score":0.0533733439942201,"channel":1,"num_words":15,"start":1725.85,"end":1734.375},{"sentences":[{"text":"Awesome.","start":1735.4249,"end":1735.9249,"sentiment":"positive","sentiment_score":0.6933586597442627},{"text":"Thank you so much for that, Shane, and sorry again for the mix up the an hour ago.","start":1736.3049,"end":1740.885,"sentiment":"positive","sentiment_score":0.44069511608945}],"sentiment":"positive","sentiment_score":0.45399319733444016,"channel":0,"num_words":19,"start":1735.4249,"end":1740.885},{"sentences":[{"text":"Yep.","start":1741.3151,"end":1741.715,"sentiment":"neutral","sentiment_score":0.10543736070394516},{"text":"No.","start":1741.715,"end":1741.9551,"sentiment":"neutral","sentiment_score":0.009175077080726624},{"text":"All good.","start":1741.9551,"end":1742.6951,"sentiment":"positive","sentiment_score":0.3421255797147751}],"sentiment":"neutral","sentiment_score":0.1997158993035555,"channel":1,"num_words":4,"start":1741.3151,"end":1742.6951},{"sentences":[{"text":"Awesome, mate.","start":1743.345,"end":1743.985,"sentiment":"positive","sentiment_score":0.6477699279785156},{"text":"Thank you so much for your time, and I'll talk to you soon.","start":1743.985,"end":1746.6029,"sentiment":"positive","sentiment_score":0.7101867382342999}],"sentiment":"positive","sentiment_score":0.701864496866862,"channel":0,"num_words":15,"start":1743.345,"end":1746.6029},{"sentences":[{"text":"Terrific.","start":1747.4429,"end":1747.9429,"sentiment":"positive","sentiment_score":0.775123119354248},{"text":"No worries.","start":1748.0029,"end":1748.7429,"sentiment":"positive","sentiment_score":0.41820289194583893},{"text":"Okay.","start":1748.9629,"end":1749.198,"sentiment":"positive","sentiment_score":0.4071861505508423},{"text":"So yeah.","start":1749.198,"end":1750.183,"sentiment":"positive","sentiment_score":0.3449718654155731}],"sentiment":"positive","sentiment_score":0.4514431307713191,"channel":1,"num_words":6,"start":1747.4429,"end":1750.183},{"sentences":[{"text":"See you, mate.","start":1750.6029,"end":1751.163,"sentiment":"positive","sentiment_score":0.493893027305603},{"text":"Cheers.","start":1751.163,"end":1751.663,"sentiment":"positive","sentiment_score":0.603018045425415}],"sentiment":"positive","sentiment_score":0.521174281835556,"channel":0,"num_words":4,"start":1750.6029,"end":1751.663},{"sentences":[{"text":"Bye.","start":1751.8429,"end":1752.3429,"sentiment":"neutral","sentiment_score":-0.109072744846344}],"sentiment":"neutral","sentiment_score":-0.109072744846344,"channel":1,"num_words":1,"start":1751.8429,"end":1752.3429}]},"summary":{"result":"success","short":"Representatives from Oakview discuss various topics with customers, including updating risk levels, consolidating high growth portfolios, and fixing funds and tapering risk for a new portfolio. They emphasize the importance of maintaining high growth for the next decade and updating risk levels over time. The speakers also provide information on insurance research and the risk category for high growth, and mention a new service guide and deadline for signing and reviewing documents. The conversation ends with thanks and goodbyes."},"intents":{"segments":[{"text":"Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM. I was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you. Yeah.","start_word":22,"end_word":81,"intents":[{"intent":"Request call back","confidence_score":0.037975248}]},{"text":"Let me refresh it. Yeah.","start_word":358,"end_word":362,"intents":[{"intent":"Refresh the website","confidence_score":0.00022999081}]},{"text":"So what I might do is I'll kinda give you the cliff notes and then leave it with you when you've got a bit more access to look at it. Is that okay? Yeah.","start_word":421,"end_word":454,"intents":[{"intent":"Provide cliff notes","confidence_score":0.47925705}]},{"text":"Let me just quickly try something else. Yeah. Go for I've had that it. happen before where it's some incompatibility with an older version of Chrome.","start_word":455,"end_word":480,"intents":[{"intent":"Try other browsers","confidence_score":0.1754823}]},{"text":"Can you please, for me, skip down about four pages to the scope of advice?","start_word":604,"end_word":618,"intents":[{"intent":"Navigate the scope of advice","confidence_score":0.09570375}]},{"text":"is what's considered, the next one is what's limited, and the other one is what's not being considered. Essentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up.","start_word":624,"end_word":672,"intents":[{"intent":"Consolidate three fund","confidence_score":0.0032931073}]},{"text":"Essentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up.","start_word":642,"end_word":672,"intents":[{"intent":"Fix investments","confidence_score":0.9302098}]},{"text":"So what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said. You wanted to consolidate the Care Super, get that across. We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy. And then we've also included a portfolio update as well. I've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio.","start_word":951,"end_word":1030,"intents":[{"intent":"Recommend updating portfolios","confidence_score":0.0006754691}]},{"text":"To update the Australian super investment option to be in line with your risk profile the same as the hub portfolio.","start_word":1039,"end_word":1059,"intents":[{"intent":"Update investment options","confidence_score":0.38271782}]},{"text":"once we've built up enough, then we scale the risk back when you're closer to return. Okay.","start_word":1116,"end_word":1132,"intents":[{"intent":"Scale risk","confidence_score":0.6559299}]},{"text":"So what we're obviously gonna do is close down the CareSuper. You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the premiums. Right.","start_word":1223,"end_word":1251,"intents":[{"intent":"Maintain and fund premiums","confidence_score":0.00011367516}]},{"text":"You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds. So you already make that back and more just in the first twelve months of fee reductions.","start_word":1376,"end_word":1417,"intents":[{"intent":"Explain investment fees","confidence_score":0.000028117465}]},{"text":"You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds. So you already make that back and more just in the first twelve months of fee reductions. Yep. In addition as well, we've got the five year rolling average at the bottom of that table. We'll go from 8% to 11, which factors in the performance of all the funds and the options that we're recommending.","start_word":1376,"end_word":1456,"intents":[{"intent":"Explain fund performance","confidence_score":0.0052185003}]},{"text":"The last couple here that are important is the investment returns on the next page. We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of them. Sorry.","start_word":1545,"end_word":1607,"intents":[{"intent":"Provide investment updates","confidence_score":0.000012634906},{"intent":"Reschedule investment returns","confidence_score":0.0008256554},{"intent":"Explain investment comparison","confidence_score":0.0020485173}]},{"text":"What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation.","start_word":1956,"end_word":1985,"intents":[{"intent":"Update portfolio information","confidence_score":0.08661116}]},{"text":"So does that mean I can't well, I I guess I wanna nominate my two kids, but they're not dependents. Like, a 20 well, I don't know.","start_word":2435,"end_word":2461,"intents":[{"intent":"Nominate kids","confidence_score":0.013346606}]},{"text":"So that's how much tax they would pay upon payout. Yeah.","start_word":2745,"end_word":2755,"intents":[{"intent":"Address tax implications","confidence_score":0.013365533}]},{"text":"And I guess the difference between us as train drivers and a random member of the public would be the fact that, number one, we're provided with training. We're familiar with the area that we're working in. We wear Yeah.","start_word":3206,"end_word":3245,"intents":[{"intent":"Provide training","confidence_score":0.5701416},{"intent":"Provide information","confidence_score":0.016170412}]},{"text":"And and, yeah, all of the risk is sort of mitigated as much as possible. It's strange.","start_word":3249,"end_word":3265,"intents":[{"intent":"Mediate risk","confidence_score":0.17887522}]},{"text":"It's strange.","start_word":3264,"end_word":3265,"intents":[{"intent":"Understand risk","confidence_score":0.013163727}]},{"text":"The the riskier, quote, unquote, occupations have the most checks and balances, safety staff on-site, guardrails up, Yeah.","start_word":3266,"end_word":3283,"intents":[{"intent":"Feel safe","confidence_score":0.0016494109}]},{"text":"Yeah.","start_word":3401,"end_word":3401,"intents":[{"intent":"Provide assistance","confidence_score":0.0051652477}]},{"text":"I do find it silly. I do agree. But like I said, I've checked every single insurer in the country, found one, but it just does not seem to be much much of a benefit for cost that I can see. If it was 2,000, maybe. Yep.","start_word":3519,"end_word":3565,"intents":[{"intent":"Request information","confidence_score":0.0023472914}]},{"text":"So what you're talking about now, is this the online document that I need to go through and sign? Yeah. Correct. Yep.","start_word":3807,"end_word":3828,"intents":[{"intent":"Check compliance with document","confidence_score":0.00006222847}]},{"text":"I do wanna put on your file as well in terms of next catch ups. Do you want me to put in for a catch up before the end of the year, just for the next annual review, Yep. quarterly?","start_word":3935,"end_word":3974,"intents":[{"intent":"Arrange monthly review in preparation","confidence_score":9.532778e-9}]},{"text":"I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time. Yeah.","start_word":3991,"end_word":4034,"intents":[{"intent":"Provide information on portfolio status","confidence_score":0.0017993953}]},{"text":"Awesome, Shane. I'll get Michelle to send out those beneficiary forms. Again, give us a buzz if you need any help with them. And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday. Yep.","start_word":4038,"end_word":4091,"intents":[{"intent":"Request assistance with documents","confidence_score":0.007670682}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Shane. It's Tommy here from Oakview, mate. I'm so sorry. Do you have a quick second? Yeah. For sure. Mate, I, I apologize for before you messaged back into us, and like I mentioned, bit of an issue with the old message systems and Internet here at the office, and it's just come through from from 01:36PM. I was just wanting to see if you still had fifteen minutes to chat now or if I could reschedule you. Yeah. Not answered. Perfect. So what I'll do is I will shoot the documents out to you for that updated strategy. Will you be able to look onto it with me now, or should I just kind of give you a bit of through? No. I can I can look in? Perfect. Perfect. So that will come through pretty quickly. If this is your first time using the new system, it may go to your spam folder, but I'll shoot that through. Just while that's coming through, mate, could I just confirm for security your date of birth and address? Yep. 06/10/1970. 21 King Street, Wallen, Victoria.","start_word":0,"end_word":187,"sentiment":"neutral","sentiment_score":-0.02056252397596836},{"text":"Perfect. Thank you so much for that.","start_word":188,"end_word":194,"sentiment":"positive","sentiment_score":0.5446340441703796},{"text":"And are you okay for the call to be recorded? Yep.","start_word":195,"end_word":205,"sentiment":"neutral","sentiment_score":0.212897390127182},{"text":"Amazing.","start_word":206,"end_word":206,"sentiment":"positive","sentiment_score":0.3545605540275574},{"text":"So what I've sent you through is the statement of advice with all of the updates we talked about last week. I have included quite a few product documents as well, which are just kind of for you to keep on file, just updates with Hub twenty four, Oakview Financial, and so on, and Australian Super. But can you see a statement of advice email? Yep. Cool. Now when you pop that open, there should be a blue button. It does say, like, to start the signing process, but it just brings open the documents for you to peruse. Yes. Some selling document. Yep. And if you hit that, it should open up. There is, sorry, three, six, seven, eight documents there, but it should open the first one, which is like a beachfront city Gold Coast picture. And it should be labeled statement of advice. Not loading. Hopefully, hang on. Let me refresh it. Yeah. That's alright. Sometimes because there's a a thousand pages, it can sometimes take a minute to load. There's quite a lot that goes along with it. I do apologize. No. Is it is it doing a bit of a circle loading thing, or what's what's popped up for you It's there, just mate? a gray page. Oh, right. So what I might do is I'll kinda give you the cliff notes and then leave it with you when you've got a bit more access to look at it. Is that okay? Yeah. Let me just quickly try something else. Yeah. Go for I've had that it. happen before where it's some incompatibility with an older version of Chrome. Ah, I need to actually take down which browsers are best for this system and which ones are I haven't had too many issues with them, but might do a bit of a shortlist sometime. But let me I was just plugged into another computer, which is pretty new. I'll just see if there's a difference. No worries at all. So this one will quickly boot up. Okay. Just one second.","start_word":207,"end_word":551,"sentiment":"neutral","sentiment_score":0.039473574981093405},{"text":"Oh, fantastic.","start_word":552,"end_word":553,"sentiment":"positive","sentiment_score":0.4920152425765991},{"text":"And with that one loaded, what what can you see there? I can see a picture of a beach and a bunch of buildings in the background. There we go. That's the one. That's the old cover page for the statement of advice. We are cooking with gas, Shane.","start_word":554,"end_word":602,"sentiment":"neutral","sentiment_score":0.08452337980270386},{"text":"Beautiful.","start_word":603,"end_word":603,"sentiment":"positive","sentiment_score":0.4273621439933777},{"text":"Can you please, for me, skip down about four pages to the scope of advice? There's three pages. One Yep. is what's considered, the next one is what's limited, and the other one is what's not being considered. Essentially, the the sort of recap here is that we're obviously focusing on the superannuation as we discussed, getting that third fund consolidated, make sure the investments are are fixed up. And we did put in a few reminders for the estate planning side of things just to make sure, you know, you've got a will in place and so on. Yeah. The insurances, we did conduct some research on income protection. We're trying to maintain the cover you've got with AustralianSuper, but not so much trying to refill the other funds with CareSuper.","start_word":604,"end_word":735,"sentiment":"neutral","sentiment_score":0.050067721104080025},{"text":"So I have got all of that researched and ready to go.","start_word":736,"end_word":747,"sentiment":"positive","sentiment_score":0.4852297306060791},{"text":"And what we're not providing advice on is just cash flow and debt management in terms of paying off your mortgage. Budgeting advice at this point is not in this document.","start_word":748,"end_word":778,"sentiment":"negative","sentiment_score":-0.37151479721069336},{"text":"Yep. That sound fair enough? Yep.","start_word":779,"end_word":784,"sentiment":"neutral","sentiment_score":0.09245576709508896},{"text":"Perfect.","start_word":785,"end_word":785,"sentiment":"positive","sentiment_score":0.4288255274295807},{"text":"Now into the sort of meat and potatoes of it, as you scroll down, you'll see a limited advice warning, which is exactly that. We're not advising on everything under the sun.","start_word":786,"end_word":817,"sentiment":"neutral","sentiment_score":-0.09968870878219604},{"text":"And if any information we have is not accurate, that may impact the advice.","start_word":818,"end_word":831,"sentiment":"negative","sentiment_score":-0.34918686747550964},{"text":"We have the about you section on page seven, assets and liabilities on page eight, which we updated recently. After that is your hub Australian super and care super funds as well as that remaining insurance policy with Australian super. Yep. The main areas I wanted to break you down to was from pages 10 onwards and 11. You'll see the high growth risk profile, and you Yep. should see there's two pages for that. Second one has, like, a exploded pie chart kind of thing. Just gives you an example of what a portfolio looks like, and then you'll see a big wall of text on page 12, strategy recommendations. Can you see that one there? Yep. Cool. So what we're essentially recommending to do is obviously keep the Australian Super and Hub going like we said. You wanted to consolidate the Care Super, get that across. We will move a small amount across from AustralianSuper into the main portfolio, but maintain the minimum for the insurance policy. And then we've also included a portfolio update as well. I've also recommended too to update the investment within AustralianSuper as well to be in line with the hub portfolio. Try that again. You recommended doing what? To update the Australian super investment option to be in line with your risk profile the same as the hub portfolio. Oh, okay. Yep.","start_word":832,"end_word":1061,"sentiment":"neutral","sentiment_score":0.10772175860145818},{"text":"So what I basically wanna do is I wanna get all of the funds in line with that high growth. We do have a bit of a form that we can prefill for you to update that one. But, basically, I wanna get both of them going as quickly as possible.","start_word":1062,"end_word":1112,"sentiment":"positive","sentiment_score":0.40439164638519287},{"text":"And then Yep. once we've built up enough, then we scale the risk back when you're closer to return. Okay. Yep. So what that does in terms of actual figures and amounts, can you please go down to pages seventeen and eighteen for me? You will see a table for a fee comparison. Oh, yeah. Yeah. I'm on page 17. Yep. So it should have a bunch of columns showing the current versus recommended and a difference, and you should see hub care Australian super, and then it goes down to just the two funds on the right hand side. Does that can you make that figures out? Yep.","start_word":1113,"end_word":1221,"sentiment":"neutral","sentiment_score":0.14386603236198425},{"text":"Cool.","start_word":1222,"end_word":1222,"sentiment":"positive","sentiment_score":0.41767245531082153},{"text":"So what we're obviously gonna do is close down the CareSuper. You need at least 8,000 with AustralianSuper to maintain the minimum balance and to fund the premiums. Right. We've got a difference at the top right. You'll see a minus 584. This Yep. takes into account any kind of buy or sell costs for moving funds around or changing investments. It also takes into account capital gains tax inside the super under the hood. So when we update your portfolio gains and losses, there's a little bit of a superannuation tax hidden inside, and we do factor that into our projections as well. Yep. For your balance, 584 was basically negligible. If that was upwards of 5,000 or above, I would put a flag on it as a reason not to change investments. But as a proportion of your overall balance, that's very, very minimal to completely update everything. Yep. Yep.","start_word":1223,"end_word":1374,"sentiment":"neutral","sentiment_score":-0.023523418232798576},{"text":"You will have a savings in the first year of $604 of investment fees and $70 of administration fees for not having three super funds. So you already make that back and more just in the first twelve months of fee reductions. Yep. In addition as well, we've got the five year rolling average at the bottom of that table. We'll go from 8% to 11, which factors in the performance of all the funds and the options that we're recommending.","start_word":1375,"end_word":1455,"sentiment":"positive","sentiment_score":0.5518133640289307},{"text":"Yeah. Okay. Yep. I have broken it down a little bit. Now please take this with a bit of a grain of salt because we will change your risk level over time, but the projection under that table shows we're expecting 1 to $300,000 better off over the next five to ten years if you were to maintain high growth for the full decade, that is, Yep.","start_word":1456,"end_word":1522,"sentiment":"neutral","sentiment_score":0.07924804091453552},{"text":"which I would probably turn it down a bit quicker than ten years.","start_word":1523,"end_word":1535,"sentiment":"negative","sentiment_score":-0.4047353267669678},{"text":"But if that was to continue, that's all. Yep. The last couple here that are important is the investment returns on the next page. We have one, three, five, and ten years comparing all of your investments across the three funds as they currently sit with CareSuper being closed, AustralianSuper being updated to high growth, and the new hub portfolio and what that means as an average across all of them. Sorry. Sorry. The Hang main on. Which page am I looking at? Is this it will be page 18, and you'll see a red heading saying annualized investment returns. It's quite a small page. There's only one table on it. Returns. Yep. It's quite a small page. There's only one table on it. Yeah. I just yep. I got it. Basically, what I need to do for your risk profile, like I mentioned last week, is maintain double digit returns consistent. Yep. So it's gotta be that 10% above. I need to make sure that it's not just doing that every few years, but it's doing it across every time period while we're in that risk level. Yep. K? The last thing to go through last two, sorry, is the investments table below. I do apologize. There's quite a lot of figures on this one, but it is color coded. Red heading, blue table on the next page, investments, and you should see quite a few buyers and sales there. Yep. Yep. So if the Australian super moves to the high growth, we wanna maintain at least 8,000 or above for the insurances not to be at risk of lapsing. The options below in hub 24 at the bottom of that page are all the ones that I would like to update, whether that be a full removal or a slight rebalance back to the the usual 7%. The page after it will show all of the options that I would like to add into your portfolio. And Okay. you should see about five green ones there below. Yep. Yep. So the satellites, the small amounts going into a bit of Europe and Japan, that's just to get you exposures to those different areas. The main big ones for you is the last two.","start_word":1536,"end_word":1910,"sentiment":"neutral","sentiment_score":0.0849545618891716},{"text":"The BetaShares Australia two 100 is a low fee, passive replacement of that Benelon option that was doing quite poorly.","start_word":1911,"end_word":1930,"sentiment":"negative","sentiment_score":-0.35852012038230896},{"text":"The iShares composite bonds below that is a replacement of your bank hybrids that are being phased out over the next two years. Yep. K? What that does to your portfolio too is if you look at the next page, this will be the last table, you'll see the pie chart for your asset allocation. Yep. The main thing here for high growth is you need to be between 90 to a 100% growth assets. When we're close to retirement, we'll taper you down to eighty, seventy, sixty, fifty, forty. But at this Yep. point, I just wanna shade you back up a little bit. And by getting it all into the high growth, we'll be sitting at around 93 and a half from just shy of 87 where you currently sit. So it's only a very small bump up because Australian Super needs to bump up to high growth, but the hub is basically staying the same in terms of risk level. Yep. The big risk mitigation that we're doing is just removing that bad apple option, which has just not performed the way we would expect and hope for. Get one in there that's a bit more consistent that doesn't have such wild swings. So, technically speaking, you're almost going to slightly lower risk than what you were before this document. Yep. K? So quick recap. Let's go from three funds to two, get everything in line with the high growth, fix up a few investment options, let that carry forward for a while, and then work on tapering risk off once you've built your funds. Drop the investment fees, improve the returns, very small brokerage fees, and CGT to actually do all of these transactions. Does that make sense? Do you like what we've come up with? Do you have any questions? Yeah. No. That's good enough.","start_word":1931,"end_word":2240,"sentiment":"neutral","sentiment_score":0.15247907523185977},{"text":"Cool.","start_word":2241,"end_word":2241,"sentiment":"positive","sentiment_score":0.5198801755905151},{"text":"I will if you obviously sign off on this, I'll run this for a little while.","start_word":2242,"end_word":2257,"sentiment":"neutral","sentiment_score":0.3292829692363739},{"text":"Keep an eye on it. Put in a few catch ups with you to see how things are going. Make sure it's going in the right direction and in line with your expectations.","start_word":2258,"end_word":2290,"sentiment":"positive","sentiment_score":0.4835168421268463},{"text":"Yep. I have put in some reminders too for, like, beneficiary nominations, making sure we get all of that up to date. Please forgive me if I'm if I'm forgetting the conversation, but I think you're gonna give us some thought to who you would like to nominate. Sorry. Nominate for what? For the beneficiary nominations, for who the super goes to if you were to pass Oh, okay. away. Yeah. I can so you want me to So if you have anyone that's a nominate somebody? financial dependent, spouse, children, anyone that you're directly looking after financially, they can be a valid nominee. If it's anyone outside of those relationships, then it wouldn't be valid under the SIS Act. Under the what act? They call it the SIS Act, SIS. It's just the the legislation that governs who can receive superannuation benefits. Right. So does that mean I can't well, I I guess I wanna nominate my two kids, but they're not dependents. Like, a 20 well, I don't know. Twenty two and twenty. Yeah. Adult children do count. The only difference is that the they don't count as a tax dependent, which means that they'll pay a small amount of tax when they receive the benefits, but they are valid nominees. Children do count even if they're adults. They just don't Right. get the tax benefits if they were a minor. Okay. Would that be the way to go? Yeah. Yeah. That'll be that'll be the way it goes. Yep. You know?","start_word":2291,"end_word":2544,"sentiment":"neutral","sentiment_score":0.03239609685352468},{"text":"Cool.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.3905805349349976},{"text":"What we normally do is link in, like, a a legally binding nomination. So the super fund has to do it. They do give you an option to do a nonbinding, so they they have discretion on who it goes to. And if you would like, we can make it a non lapsing so it doesn't expire after three years. It just continues on until you decide to change it. Would that be okay? Yep.","start_word":2546,"end_word":2620,"sentiment":"neutral","sentiment_score":0.19304028153419495},{"text":"Cool.","start_word":2621,"end_word":2621,"sentiment":"positive","sentiment_score":0.3809059262275696},{"text":"I can get some forms sent out to you with a little bit of an instruction cover page. If you have Yep. any troubles with it, just call in, and we can walk you through them in two minutes flat. Yep. How much interest are we talking when you say a small they pay a small amount of interest? Just gonna so the taxes that That, like, they can get, five percent, 3%. That's what I'd consider to be a small amount. no. Well, then it would be considered a large amount. I do apologize for the terminology. A portion of the super that remains in a taxable, untaxed component would be charged up to 15% plus the Medicare levy. Yeah. Okay. So that's how much tax they would pay upon payout. Yeah. And depending on the underlying proportions, because some of the amounts that go in, it's they split it taxable, taxed, taxable, untaxed. There's the different components inside the super under the hood. When you transition into the kind of retirement phase in the sixties, that starts to slowly convert over, and we actually put it in into a tax free component where they won't pay that amount. It's mainly for if you were to pass away before the age of 60, a large proportion of that would cop about fifteen percent. Okay. Yeah. Yeah. That's still okay. Yeah. The only other thing which is quite a lot of work for not much benefit is you can set up, like, a a will where the super goes to your estate, then gets passed to the children there, and then they avoid the 2% Medicare levy. That's probably the only savings, but it's quite complex to set up. Yep. With those, they are legal documents. So the main thing is just making sure that you do, like, a wet signature with a pen. You get a couple of people. Any adults can witness it as long as they are not the beneficiaries. Right. Yep. Does that make sense? Yep.","start_word":2622,"end_word":2961,"sentiment":"neutral","sentiment_score":-0.01896336930530036},{"text":"Perfect.","start_word":2962,"end_word":2962,"sentiment":"positive","sentiment_score":0.396440327167511},{"text":"I did find out sorry. The rest of that document just covers wills, powers of attorney, and so on. The Right. two things I wanted to just finish off on was the insurance research. Yep. We did find a single provider, a sender, who offers income protection for train drivers. It's called a dark blue rating. So you're you're alongside concreters, and the premiums were upwards of $8,000 per year. Okay. Yep. So I So what just want to flag is sorry. it Go ahead. is it sales alongside concretive? In terms of that risk category, b rating or dark blue as they call it is kind of the riskiest category you go to before they start applying special conditions or don't offer cover.","start_word":2963,"end_word":3086,"sentiment":"neutral","sentiment_score":-0.0006547640077769756},{"text":"Why would train drivers be in such a high risk category?","start_word":3087,"end_word":3097,"sentiment":"negative","sentiment_score":-0.5021065473556519},{"text":"I think it just comes back to that conversation we had last week about ability to return to work if you have, you know, fingers, hands, broken legs, and so on.","start_word":3098,"end_word":3128,"sentiment":"neutral","sentiment_score":-0.2087673097848892},{"text":"I do still find it strange now that you mentioned it in our last conversation, but everyone else was not offering the insurance at all.","start_word":3129,"end_word":3153,"sentiment":"negative","sentiment_score":-0.3390509784221649},{"text":"Because I remember having a conversation about this. It might have been Kyle. There was a guy who, who's no longer there. And he mentioned, you know, about, you know, walking around the yard and, you know, getting amongst the trains and, you know, having to walk around trains and stuff. Yeah. And I guess the difference between us as train drivers and a random member of the public would be the fact that, number one, we're provided with training. We're familiar with the area that we're working in. We wear Yeah. high visibility clothing. And and, yeah, all of the risk is sort of mitigated as much as possible. It's strange. The the riskier, quote, unquote, occupations have the most checks and balances, safety staff on-site, guardrails up, Yeah. Exactly. health checks, everything. We offer or, you know, work around trains without any kind of training. Yeah. And and every possible risk as much as possible, they have some kind of mitigation because they know it's a risky environment. But Yeah.","start_word":3154,"end_word":3325,"sentiment":"neutral","sentiment_score":-0.1283729523420334},{"text":"it's only risky to a member of the public, I guess, who happens to wander around there with no idea where they are.","start_word":3326,"end_word":3348,"sentiment":"negative","sentiment_score":-0.38554149866104126},{"text":"Walk on through. Yeah.","start_word":3349,"end_word":3352,"sentiment":"neutral","sentiment_score":-0.20658493041992188},{"text":"They got no training. They got no, you know, high vis clothing. You know, then I can understand it's a a risk.","start_word":3353,"end_word":3374,"sentiment":"negative","sentiment_score":-0.3826361894607544},{"text":"But, you know, when you're sort of provided training and and all the safety gear, you know, you sort of medicate it as much as possible. Yeah. I think the way they've explained it to me, like, the underwriters that do the health checks, which I don't necessarily agree with, but the way they explained it to me was that if I had a a shattered leg, I could still my work would let me come back and pop a headset on and do a few phone calls. But a lot of the, Right. again, surgeons and, yeah, working from home don't even have to drive. Whereas surgeons and pilots and things like that, they would just be like, no. You just can't come on-site until you've got to return to work and health and fitness and all that kind of thing. Yep. Yep.","start_word":3375,"end_word":3518,"sentiment":"neutral","sentiment_score":-0.0917049585841596},{"text":"I do find it silly.","start_word":3519,"end_word":3523,"sentiment":"negative","sentiment_score":-0.34254002571105957},{"text":"I do agree. But like I said, I've checked every single insurer in the country, found one, but it just does not seem to be much much of a benefit for cost that I can see. If it was 2,000, maybe. Yep. Yep.","start_word":3524,"end_word":3566,"sentiment":"neutral","sentiment_score":-0.2672300636768341},{"text":"Not fair enough. I have included that there, so it's an option, but I haven't recommended it at this point.","start_word":3567,"end_word":3586,"sentiment":"negative","sentiment_score":-0.3479853868484497},{"text":"Yep. Fair enough. Cool. The last thing to go over to is I've included the updated service guides with Oakview. I did mention last week that we've changed over to that tiered fee structure. So above 200,000, I get the percentage discount from 1.6 Yep. five to 1.37. And then above 500,000, it goes to 1.1. So I held off on sending any documents through last week until we had the new one in place for you so you can start to receive the discounts as well for us. You're alright. Yep. K? Again, half of these documents are just to keep on file. If you're comfortable with what I've come up with, you basically just need to sign the authority on the statement of advice and Yep. the consent form for the super funds, and that's it. It's just those two. Everything else is just for your records. Yep. Yep. I also do appreciate you taking my call because of the technical mix up there and going through this with me because I would hate to just kind of send you a a document full of jargon and leave you to your devices. I would much rather go through it, answer any questions that you have. And just wondering if you do have any any questions at this point. So what you're talking about now, is this the online document that I need to go through and sign? Yeah. Correct. Yep. Yep. I can do that. If possible, when you go in there, you don't have to scroll through every single document. There's usually, like, a get started bit at the top, and it will bring you to the sections to stamp the signature and the date and the name on. And then it will just say next document, next document. Once you get to the end, there will just be a validate button. It'll probably take a good minute to to do the spinning circle to load, And then that way, it'll send you a signed copy and one through to us as well. Okay.","start_word":3587,"end_word":3933,"sentiment":"neutral","sentiment_score":0.15068958940183053},{"text":"Awesome. I do wanna put on your file as well in terms of next catch ups.","start_word":3934,"end_word":3949,"sentiment":"positive","sentiment_score":0.35859784483909607},{"text":"Do you want me to put in for a catch up before the end of the year, just for the next annual review, Yep. quarterly? What would be your preference? Yeah. It is. Please hold it. I'm using it. Yep. Yep. I'd just like to sort of show you what was happening in the first half of the year versus the second with the new portfolio, just make sure it's actually behaving the way that we expect and catch any issues ahead of time. Yeah.","start_word":3950,"end_word":4034,"sentiment":"neutral","sentiment_score":0.1699691265821457},{"text":"That'll be good. Awesome, Shane. I'll get Michelle to send out those beneficiary forms. Again, give us a buzz if you need any help with them.","start_word":4035,"end_word":4060,"sentiment":"positive","sentiment_score":0.4089790284633637},{"text":"And then when we get the documents back signed, we pretty much hop on over Friday and do investments, which is and place the trade orders live on a Friday. Yep. Yep.","start_word":4061,"end_word":4092,"sentiment":"neutral","sentiment_score":0.270961731672287},{"text":"Awesome.","start_word":4093,"end_word":4093,"sentiment":"positive","sentiment_score":0.4621950685977936},{"text":"Any questions for me, mate? No. Nothing on it now. Cool. Alrighty. So when when so when do I need to get this back to you by? At least within thirty days because they do expire all of the data that we use. So hopefully within thirty days, but we can't change anything until we've got your consent. Yep. Yep. No dramas. Well, I got shortened. Get it back to your email anyway.","start_word":4094,"end_word":4166,"sentiment":"neutral","sentiment_score":-0.01938844880420868},{"text":"Awesome. Thank you so much for that, Shane, and sorry again for the mix up the an hour ago.","start_word":4167,"end_word":4185,"sentiment":"positive","sentiment_score":0.4859806001186371},{"text":"Yep. No.","start_word":4186,"end_word":4187,"sentiment":"neutral","sentiment_score":0.06693244725465775},{"text":"All good. Awesome, mate. Thank you so much for your time, and I'll talk to you soon. Terrific. No worries. Okay. So yeah. See you, mate. Cheers. Bye.","start_word":4188,"end_word":4215,"sentiment":"positive","sentiment_score":0.5742037296295166}],"average":{"sentiment":"neutral","sentiment_score":0.057803542600158145}}}}