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I had you booked in just to run through your updated recommendations and statement of advice. Is now still a good time there for you? Yep. Beautiful. Do you happen to have access to your emails at the moment as well? Yep. Perfect. I'll send this document through to you now via email. If you can just pop in there and grab that one, we can go through it, and you can have a look at it altogether. As it is as it is sort of coming through to you, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Perfect. And just to do security there with you as well, Danielle, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file. I have a different one sitting here at the moment. Yep. Yeah. That's the one I have here at the moment. Yeah. What's the is that the right address we should have here, or should that be updated? Yeah. No. That's okay. What are we updating that one to? Street. No worries. It was Victoria. I believe we had that one in your other file. So that's okay. No worries, though. We have had a bit of a system change over the last couple of months, so it could have been that something was dragged over incorrectly. So I can go back and update that for you. It's not an issue. Then that's okay. Not a problem at all. How's everything been? I know you've been extremely busy with everything going on down there. Yeah. Oh, that'll be good. Yeah. That'll be good. Yeah. Oh, fantastic. Nice. Have you got a day off? Are you still working? Or oh, perfect. Oh, that sounds fantastic. A bit of downtime for you. All good. Now has that email popped through to you as of yet at all? That's okay. That's alright. No. You're alright. Yeah. So once it yeah. So you should be able to see that the first document does say, okay, financial statement of advice prepared for yourself, Danielle Innes, as of the 02/11/2026. I'm prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financials sorry, Australian Financial Services license. And my registration number with ASIC is 1304394. Okay. Beautiful. As you are scrolling through the next couple of pages, it does note the best interest to you. So it is important to note that any advice we do provide as financial advisers is under the corporations back and the best interest duties and making sure that we understand what your goals are, that we are working towards your goals, that we do obtain enough information and do completed research to make sure the advice is appropriate and there and it's been provided in in your best interest. Okay? Perfect. That's okay. As we keep scrolling down, your table of contents is pretty much self explanatory, and we've got the scope of advice there. So late last year, when we sort of caught up, we were looking to maybe see if we could consolidate. There had been some changes with some of the insurance companies, and it looks like you were able to get a bit of a life in TBD so we can hopefully consolidate you. We went back and did some really good in-depth research with the insurance companies, and it came back that one was willing to offer life in TBD to you as per your goal. So it means that the advice can be updated, and we can finally, hopefully, get you consolidated so everything is in one place nice and easy for you. Okay? Perfect. So with this advice piece here, we have got superannuation scoped in because your insurance is not currently paid out of your super. It is important that we scope that in. It's also about looking to consolidate so we can be working towards your goal of hopefully being able to access super or retire around age 65 with the aim of generating income of around about $700 per week. We've scoped in the insurance side of things, so we are looking to try and meet your goal. Essentially, you wanted to have life and TBD that would repay the outstanding mortgage. If anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component. So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you. Okay? Perfect. The last part is the estate planning. Wanted to make sure that your beneficiaries were correct and up to date. One of the things we talked about was what you wanted to happen in the event of passing prematurely, and you wanted to make sure everything could be passed to your parents. So I have made a recommendation in here under the estate planning side of things to make sure that everything is correctly and tidally is wrapped up. So if anything was to happen, everything could be passed to your family members in a timely manner to make it easier on them. Okay? That's alright. The next page does go to out the areas that we're not looking at any additional advice. So we have so savings and budget, you are paying down your mortgage quite comfortably. Didn't need the advice in the area as of yet. However, you are an ongoing client. So if you do wanna look at getting advice in the area down the track, let me know. We are here and happy to help. We've also scoped out the income protection and the trauma side. So you do have the income protection with Clearview and trauma with Clearview as well. You are happy with the level of cover you had. Didn't wanna review or alter that now, so we're not. We'll just scope that after the time being. And as your life changes, we can always look to review those down the track. Okay? Easy. The next page is the limited advice page. It is just letting you know this is a limited advice document. We go through scoping in and scoping out as to what we are providing advice on and are not. When it comes to the legal side of things, we're not lawyers, so we do refer you to a solicitor for the drafting of any kind of wills or power of attorneys. That way everything is done in accordance with the law and all the, you know, either dotted and the t's across nice and easily. Under the Better Advice Act 2021, I am a relevant tax provider. So I can essentially provide you financial advice around tax and tax related issues, and we do that as part of the advice that we do provide. And when it comes to insurances, I don't provide advice around general insurances such as motor home, business liability. Those, we can refer you through to a qualified broker if you require those. Otherwise, we sort of look at more personalized insurances like life, safety, income protection, things that affect your personal circumstances. Does that make sense? Yep. Perfect. So that's all, like, the logistics out of the way. If you can scroll down to page number seven, this is the about you information. So this is all the stuff we had been able to gather on yourself as of the last Fact Find and the last meeting we had, and it has been a little bit of time since then. But are you able just to run your eyes over that one for me just to double check everything and let me know if there's been any major changes in your circumstances since we last called up? Perfect. Perfect. I mean, I was hoping your income would increase a bit since then. I think you're definitely worth more money. Perfect. Perfect. Perfect. Up the next page, there is your assets and liabilities. So we had down here your main primary residence, your motor vehicle, and your contents. The asset values noted were 310,000 for the property, 6,000 for the motor vehicle, and 3,000 for contents insurances. And you did owe about 165 on the mortgage. Hopefully, you owe a little bit less since then. Is there any major changes to any of those that you would maybe alter? Nope. That's okay. Beautiful. Yeah. And the next page outlines your current superannuation. So you do have your aware and your hub 24 at the moment with the current respective balances as of the date of the advice document. And inside aware there, you do have your life, your TBD, and the income protection still currently. You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you. Okay? Yeah. The next page outlines your Clearview policy. So your income protection policy with Clearview there, and then you've also got your trauma policy and your policy was ClearView there, and then you've also got your trauma policy and your trauma plus reinstatement noted as part of the policy and the current amount that you pay for those at the moment. And the next page, if you keep scrolling down, is essentially running through your risk profile. So when we called out, we did double check everything. You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change. Okay? Perfect. To make this a little bit easier, I'm actually gonna do the advice presentation slightly different for you. We'll start with the insurance side of things because this is kind of the main aspect of your advice phase. So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can go back and have a chat about the the, you know, projection table for you so you got a whole a big yeah. The whole picture, essentially. Excellent. Perfect. So this is essentially letting you know that we are making the recommendation to apply for life and TPD through Encompass. So as we kinda spoke about originally, your goal was to make sure with your life and TPD cover that if anything happened to you that you will your TPD cover is probably the main thing there. Making sure that, you know, if you were unable to get back to work due to permanent incapacity, that you could have a $150,000 paid out for potential medical expenses. Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses. So we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you. With your occupation, I know ages ago, we did go back and try to do transfer terms and have a look at the option, unfortunately. Your occupation is quite risky when insurers are looking at things. So we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day. And they actually came back and said they were willing to offer cover. They yeah. They were willing to offer life MTBD cover, and, essentially, some insured you need to be able to meet your goal is a amount of 655,000. So within Compass, they have rated you as a a firefighter. But, look, they're one of the only insurance companies who are willing to offer under the occupation rating, so we were really happy with that. We are then recommending that you do apply for the life and TBD with the sum insured of $656,155,000 there to be held inside super. So you're not having to pay those premiums out of your back pocket. They are with the TBD offering. This is the standard super occupation, which isn't any occupation definition. So that means in order to be able to claim on TBD, you just have to never be able to go back to work again for any occupation for which you are trained, educated, or have worked. It's the same definition as any other TBD, which is fantastic to note. And then we added the buyback. So because we've linked the two policies together for you to make them more cost effective, we add the debt buyback there. The way this works and the way TBD generally works when you do link it to life is that if you are TBD, if they pay out the sum insured, which is great, but then when you've linked the life together, it cancels out the life policy. So within twelve months, they'll actually reinstate that policy, the policy back. So should you pass away later stage, you can still claim on the last policy. This is just a more cost effective way of linking the policies together, so you get a a multi policy discount, essentially, makes the premiums cheaper for you, which has a greater effect on your sleepers, but still make sure you can claim on both of those policies if anything was to happen. Does that make sense? Yeah. That's okay. If you're if it doesn't, you're welcome to let me know. I'm happy to break it down further for you. It's all good. Is there anything that you wanted me to kinda clarify with that a bit more detail for you? Yeah. That's okay. That's alright. It's always a little bit like that when I'm kinda going through and talking to you because, I mean, I know my advice back to front, but you're seeing it for the first time in hearing it. So you do get a a chance before you take on the advice to go back and read the document, then make sure you've, you know, got a good understanding of it all, and let me know if you do find you have any questions there. Okay? Perfect. That's okay. Now with this type of cover, it is retail cover. So it does mean that at the beginning of the application, you do go through the same as with your ClearView policy, you do go through an application process where the insurer understands and underwrites the policy so it's tailored to you and your needs. We do estimate the first year's premium to be $511.42 for life and TBD, which would be deducted out if you're sued for that. You do get a rebate of 15%. It's a bit like a discount there, but the total amount the insurer actually receives is $601.67. So it's a pity we don't get these discounts all the time, but it is really great to be able to see that you pay a little bit less because it's held inside super. Okay. Perfect. Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved. So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion. So because of what was disclosed in your pre assessment, we do expect a lot to be offered at standard rates. However, with the TPD, we do expect a lumbar spine exclusion on the policy. That essentially means that any conditions related to the lump to your previous injury or illness around that area, they will not cover. They maybe can't claim on those sorts of injuries or illnesses. But, essentially, if you were to say have a car accident, they would assess the injury that you've received. So if you have a car accident, you break your back, something happens, they assess the injury and the claim. They'll look at what your previous injuries were, the fact that you have an exclusion there, but they'll also look at whether a reasonable reasonable person without the lumbar spine like, without the lumbar spine exclusion would have still claimed for the same injury. So there is a chance for things like car accidents where you still hurt your back, your lower back, that you still can claim because they're looking at what you what the injury or illness was that caused you to have that exclusion in the first place, not so much what has happened here. So there is a chance you can claim on down the track. And if anything changes with the insurers, they sometimes will reassess loadings and exclusions down the track as well. So we can always review that with them further down. But we just wanted to make sure we're open and honest with you. We understand the contract that is to be offered, and we understand there would be a lumbar spine exclusion. I apologize. I get a bit tongue tied with some of these things. Yeah. Perfect. The recommendation is still in your best interest even though it does have the exclusion that we expect to have applied. It does mean that you would have a higher level of cover. It essentially means that the cover amount in the event of claiming is there to meet your goal, and this does meet your goal, whereas your current cover is quite low and does decrease over time. With the retail covers that we're recommending, these covers actually increase along within indexation. So the idea stations. So the idea is that by having them increase over time, because a $100 this year doesn't equal a $100 next year, that if in the event you do claim in the future, the amount you are gonna get paid is essentially there and is gonna cover the expenditure. And so we don't want it to be eaten away eaten eaten away with inflation. I'm so sorry. I'm a bit tongue tied this afternoon. Yeah. Perfect. We are still looking to keep your current t current trauma and IP policy in place so we can review all of these together. It does mean that you would have two different insurers that encompass your life and TPD and clear you with your trauma and income protection policies. However, you have us as your advisers, and we monitor and look after all of it. So if you had to make a claim, we're the ones that would help you facilitate that between yourself and the insurer to make it easily easier on yourself and your family. So having different insurers doesn't normally cause too much of an issue. Okay? That's okay. So now if I can get you to scroll back to page number 13 for me. This is essentially the projection table. Now that you sort of understand the insurances, it makes a lot more sense there. Yep. Perfect. So you'll see here we've got your current scenario where you've got your Aware Super with your current balance and also your Hub 24 with the balance as well. Underneath that, you are paying within both of the funds, the administration fees, investment fees, and any other fees applicable there, and your ongoing service fees for being our client and being onboard and having us look after everything for you. At the moment, your contributions are going into Aware, and you've got your insurance premiums being deducted out of both funds. So part out of Aware, so your current life, CPD, and income protection there, and then you've got your other income protection policy paid out of hub twenty four through ClearView there. Okay? Between the two funds, you are still in a high growth portfolio, and the five year rolling average so when we look at how the two funds and the investments within those have performed over the last five years, they're averaging about 14.44%. Okay? If we do sort of look at the funds, how they have performed, and if the market did perform the same way over the next five years, we can show a project that you could end up with 208,207 in five years or 338,453 over the next ten years, which isn't a bad amount at all. What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass. That means that we actually can, once that has been applied for, consolidate. Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well. And then the life and TPD, the everything is all in one place. You've got your Encompass life and TPD, their income protection through Clearview, and it's all paid out as a one fund, and your contributions can go into the one fund as well. By consolidating, we essentially do understand that the administration fees are slightly lower, so you would save about $17 for the first year, which is fantastic. The investment fees as well would be reduced by having one fund fee for the first year. You'd save about $24 on those. Only small savings, but when you keep that money in your super fund compounding towards your retirement goals, it can make a big difference over the longer term there for you. Okay? Yeah. With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there. Our ongoing service fee, as you're aware, is 1.65% per annum. It is deducted in smaller monthly increments on a regular basis. So and that's the fee for our providing our services. It also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well. Okay? Perfect. All your contributions can then go into Hub 24 as well. So everything's in one place and the total. So with your income protection policy you have plus the new policy within Compass, this would be the total. The $2,468 would be the total paid for your insurances there. It is slightly more than what you are paying between the two funds by about $46. However, it's all in one place and makes it much more manageable. And when your contributions are going in as well as your insurance premiums coming out all in one fund, it's a more manageable, but it's easier to make sure things are coming up to growth as well. Okay? Does that all make sense so far? Yeah. Perfect. Within the portfolio that we are still keeping in a high growth portfolio, so you're still invested in line with your risk profile. And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined. It's been averaging about 16.93% on a on a yearly basis there. I do I do honestly don't expect you to get that every year moving forward, but if the state of funds did perform the same way as they had and we were able to obtain that kind of performance over the longer term, in the next five years, you could end up with 236,431, and over the next ten years, up to 445,374. So by being all in one fund, having everything consolidated together, it can put you in a better position, and the past performance on this portfolio is greater than what the past performance on the previous one had also. Okay? Perfect. No worries. If I can get you to scroll down for me sorry. I'm losing my voice a little bit there. Just down to page number 36. This is the investment profile. So you will see the top of that. We actually have the number of $231 there in the top corner. We have made some slight changes to your investment profile, which is kinda giving you the better return there. But sorry. $252 is the safety show consequence. But the reason we needed to make some changes to your investment profile was that in your current super fund, you've actually got Bennelong Australian Equities. Now Bennelong is your Australian equity component. They were there as more of a value kind of investor that were giving you a bit of active management when you came on board. They have been really, really good up until sort of the end of last year. And around about November, December, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market that had been released to the market. It meant that Better Long and Corporate Travel had been reinvested sorry, reevaluated as an investment pro investment option, and it meant that we had to go back and re reevaluate them in your portfolio as well. They have shown a little bit of a negative return over the past couple of months and sort of affected most people's portfolios just slightly. You only have a small amount in there. It's only about 10.6% of your portfolio is in Bennelong, but we are wanting to sell you completely out of that. And to keep your Australian equities component, on the bottom of that table, you'll see Affinity Australian shares. Got the ticket number PAM001AU. So Alfiniti haven't had the same issue. They don't hold the same investments there as Van Alon. So we are gonna swap you out of Van Alon, get rid of them because they're underperforming and Alfiniti Australian shares. To give you a little bit of detail, they essentially followed the or tracked the benchmark, the S and PAS 300 accumulation index. Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities. So it's giving you the same level of exposure, but it has performed greater. And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well. Okay. Perfect. So once we kind of move everything over and with the portfolio that has provided that greater return, once we complete the switch of the investments, you'll end up with some Global X battery and lithium test. You'll have about 7% there. Some bank hybrids, you'll have about 7% in there. Some China, we're keeping that in there. You'll have about 7% in there. Some physical gold, which is showing great returns in everyone's portfolios over the last twelve months, which is really great. And you'll you'll keep about 7% in there as well. You'll also have some beta shares cybersecurity in there. We're keeping that in the profile. And then also some S and P 500, so giving you exposure to The US market. That is probably your highest asset allocation. We have about 30% in there, and that is because over the long term, the, you know, into international markets and especially US do perform really, really well. So we wanna keep the exposure there. We also, yeah, all good. We also keep the VanEck property Australian property exposure at about 5%. You have the Raffi Aussie 200. It's at 15. It's giving you exposure to the top 200 companies on the ASX, which is great. And then also giving you the Alfiniti Australian shares. They're giving you greater exposure to Australian shares. So between the S and P 500 and the Australian ASX exposure, we have about 30% in each. That is generally your highest asset allocation, and then everything else is kind of lower to spread the risk levels. Does that make sense? Yeah. Cool. You probably wanna go back and have a little bit of a read of those. But if you find you have any questions around the pro the portfolio, the profile that we're putting you in, or any of the investments, you're welcome to come back and let me know. I'm more than happy to take you through a deeper dive if that's what you'd like. Okay? That's okay. The next page just shows you kind of the changes because we are making some changes to your investments there. The next page sort of shows you the changes in the asset allocation and what we sort of expect to see here. At the moment with your risk profile, as we noted, you are a high growth investor, and you have the time for that high growth investors are happy to keep their money generally invested for about eight to ten years, and you're still so young. You've got a lot of time ahead of you before you turn 60 and can access deeper. So we generally see about 90% in growth investments, and those things like Australian equities, international equities, Australian property, and international property. And then you also see about 10% in defensive investments, such Australian and international fixed interest and Australian cash and international cash there as well. We do also make sure to have a alternative asset allocation. It's not noted in the risk profile there, but we do add it in. Alternative assets tend to work in different ways. So, like, we have a bit of physical gold recommended in your portfolio, and you have some at the moment. Physical gold is a growth investment, but given different time frames and the way markets can react, gold can also be seen as a defensive investment. So it sort of works both ways for you. Okay? Yeah. So with the existing profile, with the way you are currently invested between your Aware Super and Hub 24, with the Aware Super and Hub 24, with the growth investments, you have about 78.5% in growth investments and about 20.5% in defensive investments and 1% in alternatives there. With what we're proposing, the changes that we're making to your your portfolio, it essentially means you'll increase your growth exposure by about 88 sorry. 288.1%. It's increasing by 1.9% there. And then we're gonna decrease your defensive position by that 5.1%. So you'll have about 4.9% invested there and then adding a higher amount of alternatives. So you'll have 7% in alternatives, meaning you have physical gold and some the VanEck property there. So you've got a bit of a a different assets that kind of mitigate the long term market flow, but investments that work both ways that are both gonna be growth and defensive in nature depending on what the per the portfolio and the market do and how things react. Does that make sense? Yeah. Perfect. I will let you go back and have a bit of a read through that. You've also got the advantages, disadvantages, and the risks involved there. Essentially, the benefits here are by moving and consolidating into one fund, you don't have to have two funds. It does lower your overall expenses a little bit, so you do save on your investment fees and your administration fees. Having one fund is in best interest because all your money is together. And when we look at the way investing works over longer term, more money makes more money. So having it all in one place is easier to manage for you, but it can also provide a greater effect on your long term goals as well. Okay? Perfect. The last part of the recommendation is the estate planning side of things. So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative. So the way this essentially works is because you wanted to nominate your mom and dad if anything was to happen, under legislation, they actually can't be nominated as a beneficiary, the legislation states. So it has to be either a spouse, a child, a financial dependent, someone who relies on you for live everyday living expenses, or an interdependent relationship for someone who lives with you and, again, relies on you for day to day living. You pay all their bills, essentially. So, unfortunately, under the legislation, it does mean that your parents don't meet that definition. Sorry. And we have at the moment, we do have your dad there, and he's noted on your super as spouse. Unfortunately, that's the way I have 24. I've noted it. So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund. And in the event that something was to happen, you just need to make sure your will is updated to reflect that. So speak to a solicitor, have a will in place noting what you want to happen to your super and life proceeds in the event of passing. And if you were to pass away, then your dad could contact us. We would help with the claim because it would have LPR or legal personal representative noted on your super fund. The super fund will pay everything to your estate, and then it would all be distributed as per the wishes in your bill. With the way things are currently, because your dad is nominated then, it says spouse. If he was to make a claim on your super as it is, the everything would go through to the super fund. The trustee would look at it, but they would come back and say that the nomination is declined. Unfortunately, the definition isn't met, and they would decline to pay the funds, which can put a bit more stress and strain on your family. But then it would be up to the trustee to go and find who then to make the payment to. It can take a much longer process, and it has to go through a bit of a probate process. So having the beneficiary nominated correctly can make the whole thing much easier. In saying that, we certainly hope that nothing happens and that you get to retirement and you can use all this money yourself. So I am gonna recommend that we update the beneficiary nomination, and our lovely admin team can help fill it out for you. So that way, you can just have it signed and witnessed to make it easier. We are still recommending a binding, non lapsing nomination, which binds the trustee to follow the direction that is made. And non lapsing means you don't have to keep filling out beneficiary forms every couple of years. It would just stay in place for you until your circumstances change. Okay? That's okay. The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well. And having a power of attorney is also really important as well, Noting if anything was to happen to you and you were unable to make decisions on your behalf that you had chosen someone, and they know what your wishes are. Something that we do in this the industry see quite regularly where if something happens, someone's in hospital, they're unable to make decisions, and the enduring power of attorney is set up and it's put in place. So somebody else has to make decisions for that person, and they're not always made in accordance with the with the with the principal's wishes, which can be really, really difficult. So it is definitely worth seeking the services of a solicitor and having your will and power of attorney drawn up correctly so that everything that you want to happen, that your wishes are adhered to. Does that make sense? Beautiful. No. That's okay. It's honestly fine. The only other thing to kinda go through is that as I went through before, you are an ongoing service client. So it does mean that there's no upfront implementation fees for the advice. It is all provided to you under the ongoing service agreement. Essentially, we estimate that the total paid ongoing for the year is about $3,781. That's for the insurances and the super. For the super only, how much we expect to be paid is 2,104. When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company. So we receive remuneration from them for the recommendations. It has no reflect on what we recommend whatsoever. However, we do receive the remuneration. On new policies, we do receive 66% of the first year's premium and then 22% there ongoing. And with Clearview, we do currently receive 22% ongoing of the premiums as well. But as I kinda went through before, everything we do has to be in your best interest and here to meet your goals. So whilst we like to disclose the remuneration that we do receive, it has no effect in our recommendations. Everything I recommend has to be right to you. Okay? Perfect. Perfect. I know that is a lot to go through. I'm happy to let you go back, have a bit of a read through everything, run your eyes over the advantages, disadvantages, risks involved. Let me know if you do happen to have any questions there. If you decide you do wanna go ahead with the recommendations there, let us know. We'll get you to sign and return the document back, and then we'll book you in with our lovely admin team. They'll go through the insurance application for you. Once that is in place, then we'll complete the final rollover out of the where and get your contributions moved over, and that'll cancel the insurances. I wouldn't do any of that until we get the Encompass insurance in place first. It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim. Okay? Excellent. All good. I also just wanted to let you know as well, like, having a look at your super funds, so as part of the documents here, we do have the new ongoing service agreement attached there for you to the DocuSign. Once you've gone through the statement of advice, the next document attached is the insurance quote, which runs you through what we've quoted and the ongoing service agreement as well. So if you're happy to say over the next twelve months, we'll get you to sign and return that one back. But your super fund within Hub twenty four for the last twelve months, you have also received a positive return of 7.96 percent. So your current portfolio has been performing quite well. The return is quite good for where you are. It is a little bit low for where I'd expect a high growth investor to be receiving, and that is because Bennelong has pulled your returns back a little bit than seen as it's down since sort of November, December. But so that's kind of why we've made that recommendation and that investment switch for you. Okay? Aviso, do you have any questions? Do you wanna ask me anything at the moment? Yeah. Absolutely. That's okay. Oh, thank you. Thank you so much for your time. I know you're busy, so I really appreciate you taking the the few minutes of oh, sorry, the twenty minutes to run through this with me. I'll let you go back to run your eyes over it, maybe go have a cup of tea and take a breather. And then when you've got some time, come back and have a really good read to the document, and let me know if there's any questions whatsoever. There is no such thing as a silly question. If it comes to mind and you wanna ask it, you let me know. Okay? Aw. Thank you so much, Danielle. You have a lovely afternoon. I'll talk to you soon. Thanks. See you later. 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Danielle. It's Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in just to run through your updated recommendations and statement of advice. Is now still a good time there for you? Yep. Beautiful. Do you happen to have access to your emails at the moment as well?\n\nYep. Perfect. I'll send this document through to you now via email. If you can just pop in there and grab that one, we can go through it, and you can have a look at it altogether. As it is as it is sort of coming through to you, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that moving forward? Perfect. And just to do security there with you as well, Danielle, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file. I have a different one sitting here at the moment.\n\nYep. Yeah. That's the one I have here at the moment. Yeah. What's the is that the right address we should have here, or should that be updated?\n\nYeah. No. That's okay. What are we updating that one to? Street.\n\nNo worries. It was Victoria. I believe we had that one in your other file. So that's okay. No worries, though.\n\nWe have had a bit of a system change over the last couple of months, so it could have been that something was dragged over incorrectly. So I can go back and update that for you. It's not an issue. Then that's okay. Not a problem at all.\n\nHow's everything been? I know you've been extremely busy with everything going on down there. Yeah. Oh, that'll be good. Yeah.\n\nThat'll be good. Yeah. Oh, fantastic. Nice. Have you got a day off?\n\nAre you still working? Or oh, perfect. Oh, that sounds fantastic. A bit of downtime for you. All good.\n\nNow has that email popped through to you as of yet at all? That's okay. That's alright. No. You're alright.\n\nYeah. So once it yeah. So you should be able to see that the first document does say, okay, financial statement of advice prepared for yourself, Danielle Innes, as of the 02/11/2026. I'm prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financials sorry, Australian Financial Services license.\n\nAnd my registration number with ASIC is 1304394. Okay. Beautiful. As you are scrolling through the next couple of pages, it does note the best interest to you. So it is important to note that any advice we do provide as financial advisers is under the corporations back and the best interest duties and making sure that we understand what your goals are, that we are working towards your goals, that we do obtain enough information and do completed research to make sure the advice is appropriate and there and it's been provided in in your best interest.\n\nOkay? Perfect. That's okay. As we keep scrolling down, your table of contents is pretty much self explanatory, and we've got the scope of advice there. So late last year, when we sort of caught up, we were looking to maybe see if we could consolidate.\n\nThere had been some changes with some of the insurance companies, and it looks like you were able to get a bit of a life in TBD so we can hopefully consolidate you. We went back and did some really good in-depth research with the insurance companies, and it came back that one was willing to offer life in TBD to you as per your goal. So it means that the advice can be updated, and we can finally, hopefully, get you consolidated so everything is in one place nice and easy for you. Okay? Perfect.\n\nSo with this advice piece here, we have got superannuation scoped in because your insurance is not currently paid out of your super. It is important that we scope that in. It's also about looking to consolidate so we can be working towards your goal of hopefully being able to access super or retire around age 65 with the aim of generating income of around about $700 per week. We've scoped in the insurance side of things, so we are looking to try and meet your goal. Essentially, you wanted to have life and TBD that would repay the outstanding mortgage.\n\nIf anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component. So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you. Okay? Perfect. The last part is the estate planning.\n\nWanted to make sure that your beneficiaries were correct and up to date. One of the things we talked about was what you wanted to happen in the event of passing prematurely, and you wanted to make sure everything could be passed to your parents. So I have made a recommendation in here under the estate planning side of things to make sure that everything is correctly and tidally is wrapped up. So if anything was to happen, everything could be passed to your family members in a timely manner to make it easier on them. Okay?\n\nThat's alright. The next page does go to out the areas that we're not looking at any additional advice. So we have so savings and budget, you are paying down your mortgage quite comfortably. Didn't need the advice in the area as of yet. However, you are an ongoing client.\n\nSo if you do wanna look at getting advice in the area down the track, let me know. We are here and happy to help. We've also scoped out the income protection and the trauma side. So you do have the income protection with Clearview and trauma with Clearview as well. You are happy with the level of cover you had.\n\nDidn't wanna review or alter that now, so we're not. We'll just scope that after the time being. And as your life changes, we can always look to review those down the track. Okay? Easy.\n\nThe next page is the limited advice page. It is just letting you know this is a limited advice document. We go through scoping in and scoping out as to what we are providing advice on and are not. When it comes to the legal side of things, we're not lawyers, so we do refer you to a solicitor for the drafting of any kind of wills or power of attorneys. That way everything is done in accordance with the law and all the, you know, either dotted and the t's across nice and easily.\n\nUnder the Better Advice Act 2021, I am a relevant tax provider. So I can essentially provide you financial advice around tax and tax related issues, and we do that as part of the advice that we do provide. And when it comes to insurances, I don't provide advice around general insurances such as motor home, business liability. Those, we can refer you through to a qualified broker if you require those. Otherwise, we sort of look at more personalized insurances like life, safety, income protection, things that affect your personal circumstances.\n\nDoes that make sense? Yep. Perfect. So that's all, like, the logistics out of the way. If you can scroll down to page number seven, this is the about you information.\n\nSo this is all the stuff we had been able to gather on yourself as of the last Fact Find and the last meeting we had, and it has been a little bit of time since then. But are you able just to run your eyes over that one for me just to double check everything and let me know if there's been any major changes in your circumstances since we last called up? Perfect. Perfect. I mean, I was hoping your income would increase a bit since then.\n\nI think you're definitely worth more money. Perfect. Perfect. Perfect. Up the next page, there is your assets and liabilities.\n\nSo we had down here your main primary residence, your motor vehicle, and your contents. The asset values noted were 310,000 for the property, 6,000 for the motor vehicle, and 3,000 for contents insurances. And you did owe about 165 on the mortgage. Hopefully, you owe a little bit less since then. Is there any major changes to any of those that you would maybe alter?\n\nNope. That's okay. Beautiful. Yeah. And the next page outlines your current superannuation.\n\nSo you do have your aware and your hub 24 at the moment with the current respective balances as of the date of the advice document. And inside aware there, you do have your life, your TBD, and the income protection still currently. You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you. Okay? Yeah.\n\nThe next page outlines your Clearview policy. So your income protection policy with Clearview there, and then you've also got your trauma policy and your policy was ClearView there, and then you've also got your trauma policy and your trauma plus reinstatement noted as part of the policy and the current amount that you pay for those at the moment. And the next page, if you keep scrolling down, is essentially running through your risk profile. So when we called out, we did double check everything. You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change.\n\nOkay? Perfect. To make this a little bit easier, I'm actually gonna do the advice presentation slightly different for you. We'll start with the insurance side of things because this is kind of the main aspect of your advice phase. So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can go back and have a chat about the the, you know, projection table for you so you got a whole a big yeah.\n\nThe whole picture, essentially. Excellent. Perfect. So this is essentially letting you know that we are making the recommendation to apply for life and TPD through Encompass. So as we kinda spoke about originally, your goal was to make sure with your life and TPD cover that if anything happened to you that you will your TPD cover is probably the main thing there.\n\nMaking sure that, you know, if you were unable to get back to work due to permanent incapacity, that you could have a $150,000 paid out for potential medical expenses. Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses. So we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you. With your occupation, I know ages ago, we did go back and try to do transfer terms and have a look at the option, unfortunately. Your occupation is quite risky when insurers are looking at things.\n\nSo we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day. And they actually came back and said they were willing to offer cover. They yeah. They were willing to offer life MTBD cover, and, essentially, some insured you need to be able to meet your goal is a amount of 655,000. So within Compass, they have rated you as a a firefighter.\n\nBut, look, they're one of the only insurance companies who are willing to offer under the occupation rating, so we were really happy with that. We are then recommending that you do apply for the life and TBD with the sum insured of $656,155,000 there to be held inside super. So you're not having to pay those premiums out of your back pocket. They are with the TBD offering. This is the standard super occupation, which isn't any occupation definition.\n\nSo that means in order to be able to claim on TBD, you just have to never be able to go back to work again for any occupation for which you are trained, educated, or have worked. It's the same definition as any other TBD, which is fantastic to note. And then we added the buyback. So because we've linked the two policies together for you to make them more cost effective, we add the debt buyback there. The way this works and the way TBD generally works when you do link it to life is that if you are TBD, if they pay out the sum insured, which is great, but then when you've linked the life together, it cancels out the life policy.\n\nSo within twelve months, they'll actually reinstate that policy, the policy back. So should you pass away later stage, you can still claim on the last policy. This is just a more cost effective way of linking the policies together, so you get a a multi policy discount, essentially, makes the premiums cheaper for you, which has a greater effect on your sleepers, but still make sure you can claim on both of those policies if anything was to happen. Does that make sense? Yeah.\n\nThat's okay. If you're if it doesn't, you're welcome to let me know. I'm happy to break it down further for you. It's all good. Is there anything that you wanted me to kinda clarify with that a bit more detail for you?\n\nYeah. That's okay. That's alright. It's always a little bit like that when I'm kinda going through and talking to you because, I mean, I know my advice back to front, but you're seeing it for the first time in hearing it. So you do get a a chance before you take on the advice to go back and read the document, then make sure you've, you know, got a good understanding of it all, and let me know if you do find you have any questions there.\n\nOkay? Perfect. That's okay. Now with this type of cover, it is retail cover. So it does mean that at the beginning of the application, you do go through the same as with your ClearView policy, you do go through an application process where the insurer understands and underwrites the policy so it's tailored to you and your needs.\n\nWe do estimate the first year's premium to be $511.42 for life and TBD, which would be deducted out if you're sued for that. You do get a rebate of 15%. It's a bit like a discount there, but the total amount the insurer actually receives is $601.67. So it's a pity we don't get these discounts all the time, but it is really great to be able to see that you pay a little bit less because it's held inside super. Okay.\n\nPerfect. Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved. So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion. So because of what was disclosed in your pre assessment, we do expect a lot to be offered at standard rates. However, with the TPD, we do expect a lumbar spine exclusion on the policy.\n\nThat essentially means that any conditions related to the lump to your previous injury or illness around that area, they will not cover. They maybe can't claim on those sorts of injuries or illnesses. But, essentially, if you were to say have a car accident, they would assess the injury that you've received. So if you have a car accident, you break your back, something happens, they assess the injury and the claim. They'll look at what your previous injuries were, the fact that you have an exclusion there, but they'll also look at whether a reasonable reasonable person without the lumbar spine like, without the lumbar spine exclusion would have still claimed for the same injury.\n\nSo there is a chance for things like car accidents where you still hurt your back, your lower back, that you still can claim because they're looking at what you what the injury or illness was that caused you to have that exclusion in the first place, not so much what has happened here. So there is a chance you can claim on down the track. And if anything changes with the insurers, they sometimes will reassess loadings and exclusions down the track as well. So we can always review that with them further down. But we just wanted to make sure we're open and honest with you.\n\nWe understand the contract that is to be offered, and we understand there would be a lumbar spine exclusion. I apologize. I get a bit tongue tied with some of these things. Yeah. Perfect.\n\nThe recommendation is still in your best interest even though it does have the exclusion that we expect to have applied. It does mean that you would have a higher level of cover. It essentially means that the cover amount in the event of claiming is there to meet your goal, and this does meet your goal, whereas your current cover is quite low and does decrease over time. With the retail covers that we're recommending, these covers actually increase along within indexation. So the idea stations.\n\nSo the idea is that by having them increase over time, because a $100 this year doesn't equal a $100 next year, that if in the event you do claim in the future, the amount you are gonna get paid is essentially there and is gonna cover the expenditure. And so we don't want it to be eaten away eaten eaten away with inflation. I'm so sorry. I'm a bit tongue tied this afternoon. Yeah.\n\nPerfect. We are still looking to keep your current t current trauma and IP policy in place so we can review all of these together. It does mean that you would have two different insurers that encompass your life and TPD and clear you with your trauma and income protection policies. However, you have us as your advisers, and we monitor and look after all of it. So if you had to make a claim, we're the ones that would help you facilitate that between yourself and the insurer to make it easily easier on yourself and your family.\n\nSo having different insurers doesn't normally cause too much of an issue. Okay? That's okay. So now if I can get you to scroll back to page number 13 for me. This is essentially the projection table.\n\nNow that you sort of understand the insurances, it makes a lot more sense there. Yep. Perfect. So you'll see here we've got your current scenario where you've got your Aware Super with your current balance and also your Hub 24 with the balance as well. Underneath that, you are paying within both of the funds, the administration fees, investment fees, and any other fees applicable there, and your ongoing service fees for being our client and being onboard and having us look after everything for you.\n\nAt the moment, your contributions are going into Aware, and you've got your insurance premiums being deducted out of both funds. So part out of Aware, so your current life, CPD, and income protection there, and then you've got your other income protection policy paid out of hub twenty four through ClearView there. Okay? Between the two funds, you are still in a high growth portfolio, and the five year rolling average so when we look at how the two funds and the investments within those have performed over the last five years, they're averaging about 14.44%. Okay?\n\nIf we do sort of look at the funds, how they have performed, and if the market did perform the same way over the next five years, we can show a project that you could end up with 208,207 in five years or 338,453 over the next ten years, which isn't a bad amount at all. What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass. That means that we actually can, once that has been applied for, consolidate. Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well. And then the life and TPD, the everything is all in one place.\n\nYou've got your Encompass life and TPD, their income protection through Clearview, and it's all paid out as a one fund, and your contributions can go into the one fund as well. By consolidating, we essentially do understand that the administration fees are slightly lower, so you would save about $17 for the first year, which is fantastic. The investment fees as well would be reduced by having one fund fee for the first year. You'd save about $24 on those. Only small savings, but when you keep that money in your super fund compounding towards your retirement goals, it can make a big difference over the longer term there for you.\n\nOkay? Yeah. With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there. Our ongoing service fee, as you're aware, is 1.65% per annum. It is deducted in smaller monthly increments on a regular basis.\n\nSo and that's the fee for our providing our services. It also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well. Okay? Perfect. All your contributions can then go into Hub 24 as well.\n\nSo everything's in one place and the total. So with your income protection policy you have plus the new policy within Compass, this would be the total. The $2,468 would be the total paid for your insurances there. It is slightly more than what you are paying between the two funds by about $46. However, it's all in one place and makes it much more manageable.\n\nAnd when your contributions are going in as well as your insurance premiums coming out all in one fund, it's a more manageable, but it's easier to make sure things are coming up to growth as well. Okay? Does that all make sense so far? Yeah. Perfect.\n\nWithin the portfolio that we are still keeping in a high growth portfolio, so you're still invested in line with your risk profile. And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined. It's been averaging about 16.93% on a on a yearly basis there. I do I do honestly don't expect you to get that every year moving forward, but if the state of funds did perform the same way as they had and we were able to obtain that kind of performance over the longer term, in the next five years, you could end up with 236,431, and over the next ten years, up to 445,374. So by being all in one fund, having everything consolidated together, it can put you in a better position, and the past performance on this portfolio is greater than what the past performance on the previous one had also.\n\nOkay? Perfect. No worries. If I can get you to scroll down for me sorry. I'm losing my voice a little bit there.\n\nJust down to page number 36. This is the investment profile. So you will see the top of that. We actually have the number of $231 there in the top corner. We have made some slight changes to your investment profile, which is kinda giving you the better return there.\n\nBut sorry. $252 is the safety show consequence. But the reason we needed to make some changes to your investment profile was that in your current super fund, you've actually got Bennelong Australian Equities. Now Bennelong is your Australian equity component. They were there as more of a value kind of investor that were giving you a bit of active management when you came on board.\n\nThey have been really, really good up until sort of the end of last year. And around about November, December, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market that had been released to the market. It meant that Better Long and Corporate Travel had been reinvested sorry, reevaluated as an investment pro investment option, and it meant that we had to go back and re reevaluate them in your portfolio as well. They have shown a little bit of a negative return over the past couple of months and sort of affected most people's portfolios just slightly. You only have a small amount in there.\n\nIt's only about 10.6% of your portfolio is in Bennelong, but we are wanting to sell you completely out of that. And to keep your Australian equities component, on the bottom of that table, you'll see Affinity Australian shares. Got the ticket number PAM001AU. So Alfiniti haven't had the same issue. They don't hold the same investments there as Van Alon.\n\nSo we are gonna swap you out of Van Alon, get rid of them because they're underperforming and Alfiniti Australian shares. To give you a little bit of detail, they essentially followed the or tracked the benchmark, the S and PAS 300 accumulation index. Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities. So it's giving you the same level of exposure, but it has performed greater. And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well.\n\nOkay. Perfect. So once we kind of move everything over and with the portfolio that has provided that greater return, once we complete the switch of the investments, you'll end up with some Global X battery and lithium test. You'll have about 7% there. Some bank hybrids, you'll have about 7% in there.\n\nSome China, we're keeping that in there. You'll have about 7% in there. Some physical gold, which is showing great returns in everyone's portfolios over the last twelve months, which is really great. And you'll you'll keep about 7% in there as well. You'll also have some beta shares cybersecurity in there.\n\nWe're keeping that in the profile. And then also some S and P 500, so giving you exposure to The US market. That is probably your highest asset allocation. We have about 30% in there, and that is because over the long term, the, you know, into international markets and especially US do perform really, really well. So we wanna keep the exposure there.\n\nWe also, yeah, all good. We also keep the VanEck property Australian property exposure at about 5%. You have the Raffi Aussie 200. It's at 15. It's giving you exposure to the top 200 companies on the ASX, which is great.\n\nAnd then also giving you the Alfiniti Australian shares. They're giving you greater exposure to Australian shares. So between the S and P 500 and the Australian ASX exposure, we have about 30% in each. That is generally your highest asset allocation, and then everything else is kind of lower to spread the risk levels. Does that make sense?\n\nYeah. Cool. You probably wanna go back and have a little bit of a read of those. But if you find you have any questions around the pro the portfolio, the profile that we're putting you in, or any of the investments, you're welcome to come back and let me know. I'm more than happy to take you through a deeper dive if that's what you'd like.\n\nOkay? That's okay. The next page just shows you kind of the changes because we are making some changes to your investments there. The next page sort of shows you the changes in the asset allocation and what we sort of expect to see here. At the moment with your risk profile, as we noted, you are a high growth investor, and you have the time for that high growth investors are happy to keep their money generally invested for about eight to ten years, and you're still so young.\n\nYou've got a lot of time ahead of you before you turn 60 and can access deeper. So we generally see about 90% in growth investments, and those things like Australian equities, international equities, Australian property, and international property. And then you also see about 10% in defensive investments, such Australian and international fixed interest and Australian cash and international cash there as well. We do also make sure to have a alternative asset allocation. It's not noted in the risk profile there, but we do add it in.\n\nAlternative assets tend to work in different ways. So, like, we have a bit of physical gold recommended in your portfolio, and you have some at the moment. Physical gold is a growth investment, but given different time frames and the way markets can react, gold can also be seen as a defensive investment. So it sort of works both ways for you. Okay?\n\nYeah. So with the existing profile, with the way you are currently invested between your Aware Super and Hub 24, with the Aware Super and Hub 24, with the growth investments, you have about 78.5% in growth investments and about 20.5% in defensive investments and 1% in alternatives there. With what we're proposing, the changes that we're making to your your portfolio, it essentially means you'll increase your growth exposure by about 88 sorry. 288.1%. It's increasing by 1.9% there.\n\nAnd then we're gonna decrease your defensive position by that 5.1%. So you'll have about 4.9% invested there and then adding a higher amount of alternatives. So you'll have 7% in alternatives, meaning you have physical gold and some the VanEck property there. So you've got a bit of a a different assets that kind of mitigate the long term market flow, but investments that work both ways that are both gonna be growth and defensive in nature depending on what the per the portfolio and the market do and how things react. Does that make sense?\n\nYeah. Perfect. I will let you go back and have a bit of a read through that. You've also got the advantages, disadvantages, and the risks involved there. Essentially, the benefits here are by moving and consolidating into one fund, you don't have to have two funds.\n\nIt does lower your overall expenses a little bit, so you do save on your investment fees and your administration fees. Having one fund is in best interest because all your money is together. And when we look at the way investing works over longer term, more money makes more money. So having it all in one place is easier to manage for you, but it can also provide a greater effect on your long term goals as well. Okay?\n\nPerfect. The last part of the recommendation is the estate planning side of things. So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative. So the way this essentially works is because you wanted to nominate your mom and dad if anything was to happen, under legislation, they actually can't be nominated as a beneficiary, the legislation states. So it has to be either a spouse, a child, a financial dependent, someone who relies on you for live everyday living expenses, or an interdependent relationship for someone who lives with you and, again, relies on you for day to day living.\n\nYou pay all their bills, essentially. So, unfortunately, under the legislation, it does mean that your parents don't meet that definition. Sorry. And we have at the moment, we do have your dad there, and he's noted on your super as spouse. Unfortunately, that's the way I have 24.\n\nI've noted it. So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund. And in the event that something was to happen, you just need to make sure your will is updated to reflect that. So speak to a solicitor, have a will in place noting what you want to happen to your super and life proceeds in the event of passing. And if you were to pass away, then your dad could contact us.\n\nWe would help with the claim because it would have LPR or legal personal representative noted on your super fund. The super fund will pay everything to your estate, and then it would all be distributed as per the wishes in your bill. With the way things are currently, because your dad is nominated then, it says spouse. If he was to make a claim on your super as it is, the everything would go through to the super fund. The trustee would look at it, but they would come back and say that the nomination is declined.\n\nUnfortunately, the definition isn't met, and they would decline to pay the funds, which can put a bit more stress and strain on your family. But then it would be up to the trustee to go and find who then to make the payment to. It can take a much longer process, and it has to go through a bit of a probate process. So having the beneficiary nominated correctly can make the whole thing much easier. In saying that, we certainly hope that nothing happens and that you get to retirement and you can use all this money yourself.\n\nSo I am gonna recommend that we update the beneficiary nomination, and our lovely admin team can help fill it out for you. So that way, you can just have it signed and witnessed to make it easier. We are still recommending a binding, non lapsing nomination, which binds the trustee to follow the direction that is made. And non lapsing means you don't have to keep filling out beneficiary forms every couple of years. It would just stay in place for you until your circumstances change.\n\nOkay? That's okay. The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well. And having a power of attorney is also really important as well, Noting if anything was to happen to you and you were unable to make decisions on your behalf that you had chosen someone, and they know what your wishes are. Something that we do in this the industry see quite regularly where if something happens, someone's in hospital, they're unable to make decisions, and the enduring power of attorney is set up and it's put in place.\n\nSo somebody else has to make decisions for that person, and they're not always made in accordance with the with the with the principal's wishes, which can be really, really difficult. So it is definitely worth seeking the services of a solicitor and having your will and power of attorney drawn up correctly so that everything that you want to happen, that your wishes are adhered to. Does that make sense? Beautiful. No.\n\nThat's okay. It's honestly fine. The only other thing to kinda go through is that as I went through before, you are an ongoing service client. So it does mean that there's no upfront implementation fees for the advice. It is all provided to you under the ongoing service agreement.\n\nEssentially, we estimate that the total paid ongoing for the year is about $3,781. That's for the insurances and the super. For the super only, how much we expect to be paid is 2,104. When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company. So we receive remuneration from them for the recommendations.\n\nIt has no reflect on what we recommend whatsoever. However, we do receive the remuneration. On new policies, we do receive 66% of the first year's premium and then 22% there ongoing. And with Clearview, we do currently receive 22% ongoing of the premiums as well. But as I kinda went through before, everything we do has to be in your best interest and here to meet your goals.\n\nSo whilst we like to disclose the remuneration that we do receive, it has no effect in our recommendations. Everything I recommend has to be right to you. Okay? Perfect. Perfect.\n\nI know that is a lot to go through. I'm happy to let you go back, have a bit of a read through everything, run your eyes over the advantages, disadvantages, risks involved. Let me know if you do happen to have any questions there. If you decide you do wanna go ahead with the recommendations there, let us know. We'll get you to sign and return the document back, and then we'll book you in with our lovely admin team.\n\nThey'll go through the insurance application for you. Once that is in place, then we'll complete the final rollover out of the where and get your contributions moved over, and that'll cancel the insurances. I wouldn't do any of that until we get the Encompass insurance in place first. It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim. Okay?\n\nExcellent. All good. I also just wanted to let you know as well, like, having a look at your super funds, so as part of the documents here, we do have the new ongoing service agreement attached there for you to the DocuSign. Once you've gone through the statement of advice, the next document attached is the insurance quote, which runs you through what we've quoted and the ongoing service agreement as well. So if you're happy to say over the next twelve months, we'll get you to sign and return that one back.\n\nBut your super fund within Hub twenty four for the last twelve months, you have also received a positive return of 7.96 percent. So your current portfolio has been performing quite well. The return is quite good for where you are. It is a little bit low for where I'd expect a high growth investor to be receiving, and that is because Bennelong has pulled your returns back a little bit than seen as it's down since sort of November, December. But so that's kind of why we've made that recommendation and that investment switch for you.\n\nOkay? Aviso, do you have any questions? Do you wanna ask me anything at the moment? Yeah. Absolutely.\n\nThat's okay. Oh, thank you. Thank you so much for your time. I know you're busy, so I really appreciate you taking the the few minutes of oh, sorry, the twenty minutes to run through this with me. I'll let you go back to run your eyes over it, maybe go have a cup of tea and take a breather.\n\nAnd then when you've got some time, come back and have a really good read to the document, and let me know if there's any questions whatsoever. There is no such thing as a silly question. If it comes to mind and you wanna ask it, you let me know. Okay? Aw.\n\nThank you so much, Danielle. You have a lovely afternoon. I'll talk to you soon. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Danielle.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.09205268695950508},{"text":"It's Dana from Oakview Financial.","start":3.6,"end":5.12,"sentiment":"neutral","sentiment_score":0.1429744243621826},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21678102612495423},{"text":"I'm very well.","start":8.48,"end":9.44,"sentiment":"positive","sentiment_score":0.5939784248669943},{"text":"Thank you.","start":9.44,"end":10.08,"sentiment":"positive","sentiment_score":0.6780146956443787}],"sentiment":"neutral","sentiment_score":0.30122631130849614,"num_words":17,"start":2.96,"end":10.08},{"sentences":[{"text":"I had you booked in just to run through your updated recommendations and statement of advice.","start":10.08,"end":13.92,"sentiment":"positive","sentiment_score":0.3795194514095783},{"text":"Is now still a good time there for you?","start":13.92,"end":15.94,"sentiment":"neutral","sentiment_score":0.3092123236921098},{"text":"Yep.","start":17.015,"end":17.515,"sentiment":"neutral","sentiment_score":0.21590006351470947},{"text":"Beautiful.","start":17.815,"end":18.295,"sentiment":"positive","sentiment_score":0.39744412899017334},{"text":"Do you happen to have access to your emails at the moment as well?","start":18.295,"end":21.595001,"sentiment":"neutral","sentiment_score":0.1043983908104045}],"sentiment":"neutral","sentiment_score":0.2665888731617753,"num_words":41,"start":10.08,"end":21.595001},{"sentences":[{"text":"Yep.","start":23.175,"end":23.575,"sentiment":"neutral","sentiment_score":0.22808539867401123},{"text":"Perfect.","start":23.575,"end":24.075,"sentiment":"positive","sentiment_score":0.4807388484477997},{"text":"I'll send this document through to you now via email.","start":24.295,"end":27.175,"sentiment":"positive","sentiment_score":0.33827057778835296},{"text":"If you can just pop in there and grab that one, we can go through it, and you can have a look at it altogether.","start":27.175,"end":31.195,"sentiment":"neutral","sentiment_score":0.286358802318573},{"text":"As it is as it is sort of coming through to you, just to let you know, we do record our calls for quality and training purposes.","start":32.35,"end":37.87,"sentiment":"neutral","sentiment_score":0.20965961504865577}],"sentiment":"neutral","sentiment_score":0.26423921389505267,"num_words":64,"start":23.175,"end":37.87},{"sentences":[{"text":"Are you happy for me to proceed with that moving forward?","start":37.87,"end":40.21,"sentiment":"positive","sentiment_score":0.34642613475972955},{"text":"Perfect.","start":42.11,"end":42.43,"sentiment":"positive","sentiment_score":0.36831241846084595},{"text":"And just to do security there with you as well, Danielle, we are discussing your personal information.","start":42.43,"end":46.51,"sentiment":"neutral","sentiment_score":0.17452985574217403},{"text":"So just get you to confirm your full name, your date of birth, and address I should have on file.","start":46.51,"end":50.635,"sentiment":"neutral","sentiment_score":0.12600696198642253},{"text":"I have a different one sitting here at the moment.","start":61.989998,"end":64.25,"sentiment":"neutral","sentiment_score":-0.014474138896912337}],"sentiment":"neutral","sentiment_score":0.16137975083379927,"num_words":59,"start":37.87,"end":64.25},{"sentences":[{"text":"Yep.","start":70.07,"end":70.57,"sentiment":"neutral","sentiment_score":0.016124200075864792},{"text":"Yeah.","start":71.685,"end":72.005,"sentiment":"neutral","sentiment_score":0.015094316564500332},{"text":"That's the one I have here at the moment.","start":72.005,"end":73.525,"sentiment":"neutral","sentiment_score":0.017130673966474004},{"text":"Yeah.","start":73.525,"end":73.924995,"sentiment":"neutral","sentiment_score":0.01622607931494713},{"text":"What's the is that the right address we should have here, or should that be updated?","start":73.924995,"end":77.384995,"sentiment":"neutral","sentiment_score":0.0075029000581707805}],"sentiment":"neutral","sentiment_score":0.0114881093780111,"num_words":28,"start":70.07,"end":77.384995},{"sentences":[{"text":"Yeah.","start":79.924995,"end":80.325,"sentiment":"neutral","sentiment_score":-0.0029470231384038925},{"text":"No.","start":80.325,"end":80.485,"sentiment":"neutral","sentiment_score":-0.03350742533802986},{"text":"That's okay.","start":80.485,"end":81.205,"sentiment":"neutral","sentiment_score":-0.014223189558833838},{"text":"What are we updating that one to?","start":81.205,"end":83.065,"sentiment":"neutral","sentiment_score":-0.001301796973815986},{"text":"Street.","start":89.2,"end":89.7,"sentiment":"neutral","sentiment_score":0.016858747228980064}],"sentiment":"neutral","sentiment_score":-0.004762888265152772,"num_words":12,"start":79.924995,"end":89.7},{"sentences":[{"text":"No worries.","start":90.32,"end":91.3,"sentiment":"neutral","sentiment_score":0.021021918393671513},{"text":"It was Victoria.","start":92.4,"end":93.38,"sentiment":"neutral","sentiment_score":0.006487892319758733},{"text":"I believe we had that one in your other file.","start":93.44,"end":95.12,"sentiment":"neutral","sentiment_score":0.005337178148329258},{"text":"So that's okay.","start":95.12,"end":95.84,"sentiment":"neutral","sentiment_score":0.0628431203464667},{"text":"No worries, though.","start":95.84,"end":96.479996,"sentiment":"neutral","sentiment_score":-0.037135034799575806}],"sentiment":"neutral","sentiment_score":0.009143026279551643,"num_words":21,"start":90.32,"end":96.479996},{"sentences":[{"text":"We have had a bit of a system change over the last couple of months, so it could have been that something was dragged over incorrectly.","start":96.479996,"end":102.045,"sentiment":"neutral","sentiment_score":-0.14894353655668405},{"text":"So I can go back and update that for you.","start":102.045,"end":103.805,"sentiment":"neutral","sentiment_score":0.008200791105628014},{"text":"It's not an issue.","start":103.805,"end":104.784996,"sentiment":"neutral","sentiment_score":0.3306407555937767},{"text":"Then that's okay.","start":106.045,"end":107.165,"sentiment":"neutral","sentiment_score":0.22116691867510477},{"text":"Not a problem at all.","start":107.165,"end":108.205,"sentiment":"neutral","sentiment_score":0.17297688871622086}],"sentiment":"neutral","sentiment_score":-0.019574496196582913,"num_words":48,"start":96.479996,"end":108.205},{"sentences":[{"text":"How's everything been?","start":108.205,"end":109.165,"sentiment":"neutral","sentiment_score":0.046259467800458275},{"text":"I know you've been extremely busy with everything going on down 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fantastic.","start":130.255,"end":130.915,"sentiment":"positive","sentiment_score":0.6586897373199463},{"text":"Nice.","start":131.135,"end":131.535,"sentiment":"positive","sentiment_score":0.4304068684577942},{"text":"Have you got a day off?","start":131.535,"end":132.415,"sentiment":"neutral","sentiment_score":0.10760596642891566}],"sentiment":"neutral","sentiment_score":0.266939633167707,"num_words":13,"start":122.56,"end":132.415},{"sentences":[{"text":"Are you still working?","start":132.415,"end":133.475,"sentiment":"neutral","sentiment_score":0.030522306449711323},{"text":"Or oh, perfect.","start":133.535,"end":138.69,"sentiment":"neutral","sentiment_score":0.12798036572833857},{"text":"Oh, that sounds fantastic.","start":143.79001,"end":145.65001,"sentiment":"positive","sentiment_score":0.6055781543254852},{"text":"A bit of downtime for you.","start":145.87001,"end":147.73001,"sentiment":"neutral","sentiment_score":0.041641401747862496},{"text":"All good.","start":150.125,"end":150.68501,"sentiment":"neutral","sentiment_score":0.11888327822089195}],"sentiment":"neutral","sentiment_score":0.1797872582744611,"num_words":19,"start":132.415,"end":150.68501},{"sentences":[{"text":"Now has that email popped through to you as of yet at all?","start":150.68501,"end":153.74501,"sentiment":"neutral","sentiment_score":0.0397074269847228},{"text":"That's okay.","start":156.68501,"end":157.585,"sentiment":"neutral","sentiment_score":0.019711985252797604},{"text":"That's alright.","start":159.725,"end":160.625,"sentiment":"neutral","sentiment_score":-0.06573090329766273},{"text":"No.","start":165.18001,"end":165.5,"sentiment":"neutral","sentiment_score":-0.015046147629618645},{"text":"You're alright.","start":165.5,"end":170.94,"sentiment":"neutral","sentiment_score":0.01593647338449955}],"sentiment":"neutral","sentiment_score":0.022049275692552328,"num_words":20,"start":150.68501,"end":170.94},{"sentences":[{"text":"Yeah.","start":170.94,"end":171.44,"sentiment":"neutral","sentiment_score":0.04675575718283653},{"text":"So once it yeah.","start":171.5,"end":173.18001,"sentiment":"neutral","sentiment_score":0.04405446909368038},{"text":"So you should be able to see that the first document does say, okay, financial statement of advice prepared for yourself, Danielle Innes, as of the 02/11/2026.","start":173.18001,"end":181.375,"sentiment":"neutral","sentiment_score":0.057225416517919965},{"text":"I'm prepared by myself, Dana Taylor.","start":181.515,"end":183.27501,"sentiment":"neutral","sentiment_score":0.04128410263607899},{"text":"I'm an authorized representative under Oakview Financials sorry, Australian Financial Services 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that we are working towards your goals, that we do obtain enough information and do completed research to make sure the advice is appropriate and there and it's been provided in in your best interest.","start":200.01001,"end":218.635,"sentiment":"neutral","sentiment_score":0.03402531242796353}],"sentiment":"neutral","sentiment_score":0.04028832051446851,"num_words":98,"start":189.05,"end":218.635},{"sentences":[{"text":"Okay?","start":218.775,"end":219.275,"sentiment":"neutral","sentiment_score":0.12587910890579224},{"text":"Perfect.","start":220.64,"end":221.12001,"sentiment":"positive","sentiment_score":0.6161823272705078},{"text":"That's okay.","start":221.12001,"end":222.02,"sentiment":"positive","sentiment_score":0.3867715150117874},{"text":"As we keep scrolling down, your table of contents is pretty much self explanatory, and we've got the scope of advice there.","start":222.56001,"end":228.48001,"sentiment":"neutral","sentiment_score":0.12677693197673018},{"text":"So late last year, when we sort of caught up, we were looking to maybe see if we could consolidate.","start":228.48001,"end":232.66,"sentiment":"neutral","sentiment_score":0.025718861538916827}],"sentiment":"neutral","sentiment_score":0.10476248261883207,"num_words":46,"start":218.775,"end":232.66},{"sentences":[{"text":"There had been some changes with some of the insurance companies, and it looks like you were able to get a bit of a life in TBD so we can hopefully consolidate you.","start":232.72,"end":240.765,"sentiment":"neutral","sentiment_score":0.1722382287861723},{"text":"We went back and did some really good in-depth research with the insurance companies, and it came back that one was willing to offer life in TBD to you as per your goal.","start":240.825,"end":249.065,"sentiment":"neutral","sentiment_score":0.22713973079666946},{"text":"So it means that the advice can be updated, and we can finally, hopefully, get you consolidated so everything is in one place nice and easy for you.","start":249.065,"end":256.4,"sentiment":"positive","sentiment_score":0.40774762470807346},{"text":"Okay?","start":256.4,"end":256.9,"sentiment":"neutral","sentiment_score":0.09134747087955476},{"text":"Perfect.","start":258.4,"end":258.9,"sentiment":"positive","sentiment_score":0.43272721767425537}],"sentiment":"neutral","sentiment_score":0.2616716754855588,"num_words":96,"start":232.72,"end":258.9},{"sentences":[{"text":"So with this advice piece here, we have got superannuation scoped in because your insurance is not currently paid out of your super.","start":260.24,"end":266.685,"sentiment":"neutral","sentiment_score":0.1401342062846474},{"text":"It is important that we scope that in.","start":266.685,"end":268.625,"sentiment":"neutral","sentiment_score":0.1165170231834054},{"text":"It's also about looking to consolidate so we can be working towards your goal of hopefully being able to access super or retire around age 65 with the aim of generating income of around about $700 per week.","start":268.685,"end":280.04,"sentiment":"neutral","sentiment_score":0.2355681685240645},{"text":"We've scoped in the insurance side of things, so we are looking to try and meet your goal.","start":281.06,"end":285.64,"sentiment":"neutral","sentiment_score":0.14514596718880865},{"text":"Essentially, you wanted to have life and TBD that would repay the outstanding mortgage.","start":285.94,"end":290.86502,"sentiment":"neutral","sentiment_score":0.09364763141742774}],"sentiment":"neutral","sentiment_score":0.16861888696209038,"num_words":101,"start":260.24,"end":290.86502},{"sentences":[{"text":"If anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component.","start":290.86502,"end":300.005,"sentiment":"neutral","sentiment_score":0.06876087609540533},{"text":"So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you.","start":300.065,"end":306.4,"sentiment":"neutral","sentiment_score":0.2209237415728898},{"text":"Okay?","start":306.4,"end":306.9,"sentiment":"neutral","sentiment_score":0.091407909989357},{"text":"Perfect.","start":307.84,"end":308.34,"sentiment":"positive","sentiment_score":0.4030885100364685},{"text":"The last part is the estate planning.","start":309.28,"end":310.88,"sentiment":"neutral","sentiment_score":0.15491971799305507}],"sentiment":"neutral","sentiment_score":0.15141948624872245,"num_words":65,"start":290.86502,"end":310.88},{"sentences":[{"text":"Wanted to make sure that your beneficiaries were correct and up to date.","start":310.88,"end":314.18,"sentiment":"neutral","sentiment_score":0.1581767124052231},{"text":"One of the things we talked about was what you wanted to happen in the event of passing prematurely, and you wanted to make sure everything could be passed to your parents.","start":314.24,"end":321.685,"sentiment":"neutral","sentiment_score":0.044330659409752116},{"text":"So I have made a recommendation in here under the estate planning side of things to make sure that everything is correctly and tidally is wrapped up.","start":321.685,"end":330.18,"sentiment":"neutral","sentiment_score":0.2664117068052292},{"text":"So if anything was to happen, everything could be passed to your family members in a timely manner to make it easier on them.","start":330.18,"end":337.13998,"sentiment":"positive","sentiment_score":0.33783484250307083},{"text":"Okay?","start":337.13998,"end":337.63998,"sentiment":"neutral","sentiment_score":0.31720244884490967}],"sentiment":"neutral","sentiment_score":0.1968374547942244,"num_words":97,"start":310.88,"end":337.63998},{"sentences":[{"text":"That's alright.","start":339.38,"end":340.19998,"sentiment":"positive","sentiment_score":0.428960844874382},{"text":"The next page does go to out the areas that we're not looking at any additional advice.","start":340.82,"end":345.625,"sentiment":"neutral","sentiment_score":0.10291346184471074},{"text":"So we have so savings and budget, you are paying down your mortgage quite comfortably.","start":345.625,"end":349.865,"sentiment":"positive","sentiment_score":0.34077450037002566},{"text":"Didn't need the advice in the area as of yet.","start":349.865,"end":351.945,"sentiment":"neutral","sentiment_score":0.03975139558315277},{"text":"However, you are an ongoing client.","start":351.945,"end":353.885,"sentiment":"neutral","sentiment_score":0.04179633501917124}],"sentiment":"neutral","sentiment_score":0.16734720025211572,"num_words":50,"start":339.38,"end":353.885},{"sentences":[{"text":"So if you do wanna look at getting advice in the area down the track, let me know.","start":353.945,"end":357.225,"sentiment":"neutral","sentiment_score":0.10074837588601643},{"text":"We are here and happy to help.","start":357.225,"end":358.71,"sentiment":"positive","sentiment_score":0.6368514214243207},{"text":"We've also scoped out the income protection and the trauma side.","start":359.35,"end":362.71,"sentiment":"neutral","sentiment_score":0.17968206784941934},{"text":"So you do have the income protection with Clearview and trauma with Clearview as well.","start":362.71,"end":366.31,"sentiment":"neutral","sentiment_score":0.24126288592815398},{"text":"You are happy with the level of cover you had.","start":366.31,"end":368.22998,"sentiment":"positive","sentiment_score":0.5533951729536056}],"sentiment":"neutral","sentiment_score":0.2852594832905003,"num_words":61,"start":353.945,"end":368.22998},{"sentences":[{"text":"Didn't wanna review or alter that now, so we're not.","start":368.22998,"end":370.71,"sentiment":"neutral","sentiment_score":-0.021289521455764772},{"text":"We'll just scope that after the time being.","start":370.71,"end":372.72998,"sentiment":"neutral","sentiment_score":0.07367997895926237},{"text":"And as your life changes, we can always look to review those down the track.","start":372.81497,"end":376.25497,"sentiment":"neutral","sentiment_score":0.0856234739224116},{"text":"Okay?","start":376.25497,"end":376.75497,"sentiment":"neutral","sentiment_score":0.0741320550441742},{"text":"Easy.","start":378.895,"end":379.395,"sentiment":"neutral","sentiment_score":0.18118467926979065}],"sentiment":"neutral","sentiment_score":0.05474895600761686,"num_words":35,"start":368.22998,"end":379.395},{"sentences":[{"text":"The next page is the limited advice page.","start":379.69498,"end":381.775,"sentiment":"neutral","sentiment_score":0.02410483523271978},{"text":"It is just letting you know this is a limited advice document.","start":381.775,"end":384.41498,"sentiment":"neutral","sentiment_score":0.03952358880390724},{"text":"We go through scoping in and scoping out as to what we are providing advice on and are not.","start":384.41498,"end":388.94,"sentiment":"neutral","sentiment_score":0.028755479443230127},{"text":"When it comes to the legal side of things, we're not lawyers, so we do refer you to a solicitor for the drafting of any kind of wills or power of attorneys.","start":389.24,"end":396.28,"sentiment":"neutral","sentiment_score":0.0667071552015841},{"text":"That way everything is done in accordance with the law and all the, you know, either dotted and the t's across nice and easily.","start":396.28,"end":402.94,"sentiment":"neutral","sentiment_score":0.28529863494137925}],"sentiment":"neutral","sentiment_score":0.10731865328393485,"num_words":95,"start":379.69498,"end":402.94},{"sentences":[{"text":"Under the Better Advice Act 2021, I am a relevant tax provider.","start":404.435,"end":408.435,"sentiment":"neutral","sentiment_score":0.0944253367682298},{"text":"So I can essentially provide you financial advice around tax and tax related issues, and we do 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then.","start":447.31,"end":455.805,"sentiment":"neutral","sentiment_score":0.13472532903825915},{"text":"But are you able just to run your eyes over that one for me just to double check everything and let me know if there's been any major changes in your circumstances since we last called up?","start":456.76498,"end":465.345,"sentiment":"neutral","sentiment_score":0.007046026353900497},{"text":"Perfect.","start":470.7,"end":471.2,"sentiment":"positive","sentiment_score":0.4672038555145264},{"text":"Perfect.","start":471.34,"end":471.84,"sentiment":"positive","sentiment_score":0.519727349281311},{"text":"I mean, I was hoping your income would increase a bit since then.","start":471.9,"end":474.62,"sentiment":"positive","sentiment_score":0.38274268920605}],"sentiment":"neutral","sentiment_score":0.12593400352791453,"num_words":89,"start":447.31,"end":474.62},{"sentences":[{"text":"I think you're definitely worth more money.","start":474.62,"end":476.24002,"sentiment":"positive","sentiment_score":0.4722120463848114},{"text":"Perfect.","start":484.63498,"end":484.955,"sentiment":"positive","sentiment_score":0.5456652641296387},{"text":"Perfect.","start":484.955,"end":485.455,"sentiment":"positive","sentiment_score":0.5465450882911682},{"text":"Perfect.","start":485.91498,"end":486.41498,"sentiment":"positive","sentiment_score":0.4158257842063904},{"text":"Up the next page, there is your assets and liabilities.","start":487.595,"end":489.995,"sentiment":"neutral","sentiment_score":0.08231613859534263}],"sentiment":"neutral","sentiment_score":0.28183409236371515,"num_words":20,"start":474.62,"end":489.995},{"sentences":[{"text":"So we had down here your main primary residence, your motor vehicle, and your contents.","start":489.995,"end":494.02002,"sentiment":"neutral","sentiment_score":0.0628868244588375},{"text":"The asset values noted were 310,000 for the property, 6,000 for the motor vehicle, and 3,000 for contents insurances.","start":494.02002,"end":500.84003,"sentiment":"neutral","sentiment_score":0.0653475746512413},{"text":"And you did owe about 165 on the mortgage.","start":501.22,"end":504.1,"sentiment":"neutral","sentiment_score":-0.0814287138895856},{"text":"Hopefully, you owe a little bit less since then.","start":504.1,"end":506.36002,"sentiment":"neutral","sentiment_score":-0.1107635638780064},{"text":"Is there any major changes to any of those that you would maybe alter?","start":506.795,"end":510.335,"sentiment":"neutral","sentiment_score":-0.10608963029725212}],"sentiment":"neutral","sentiment_score":-0.015607258163844093,"num_words":66,"start":489.995,"end":510.335},{"sentences":[{"text":"Nope.","start":513.995,"end":514.235,"sentiment":"neutral","sentiment_score":-0.134212464094162},{"text":"That's okay.","start":514.235,"end":514.975,"sentiment":"neutral","sentiment_score":0.09808766841888428},{"text":"Beautiful.","start":515.115,"end":515.615,"sentiment":"positive","sentiment_score":0.498585045337677},{"text":"Yeah.","start":515.835,"end":516.335,"sentiment":"neutral","sentiment_score":0.17783570289611816},{"text":"And the next page outlines your current superannuation.","start":516.475,"end":518.735,"sentiment":"neutral","sentiment_score":0.10342018958181143}],"sentiment":"neutral","sentiment_score":0.12044193366399178,"num_words":13,"start":513.995,"end":518.735},{"sentences":[{"text":"So you do have your aware and your hub 24 at the moment with the current respective balances as of the date of the advice document.","start":519.03503,"end":525.27,"sentiment":"neutral","sentiment_score":0.07939196965442254},{"text":"And inside aware there, you do have your life, your TBD, and the income protection still currently.","start":525.73004,"end":530.47003,"sentiment":"neutral","sentiment_score":0.06605520822546061},{"text":"You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you.","start":530.69,"end":541.635,"sentiment":"neutral","sentiment_score":0.07039741394110025},{"text":"Okay?","start":541.635,"end":542.135,"sentiment":"neutral","sentiment_score":0.10682400315999983},{"text":"Yeah.","start":544.995,"end":545.495,"sentiment":"neutral","sentiment_score":0.28533804416656494}],"sentiment":"neutral","sentiment_score":0.07523751006845165,"num_words":85,"start":519.03503,"end":545.495},{"sentences":[{"text":"The next page outlines your Clearview policy.","start":546.275,"end":548.13855,"sentiment":"neutral","sentiment_score":0.15685601319585527},{"text":"So your income protection policy with Clearview there, and then you've also got your trauma policy and your policy was ClearView there, and then you've also got your trauma policy and your trauma plus reinstatement noted as part of the policy and the current amount that you pay for those at the moment.","start":548.13855,"end":560.01,"sentiment":"neutral","sentiment_score":0.1110573928311186},{"text":"And the next page, if you keep scrolling down, is essentially running through your risk profile.","start":560.47003,"end":564.31,"sentiment":"neutral","sentiment_score":0.029779547126963735},{"text":"So when we called out, we did double check everything.","start":564.31,"end":566.495,"sentiment":"neutral","sentiment_score":0.08190759643912315},{"text":"You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change.","start":566.495,"end":579.315,"sentiment":"neutral","sentiment_score":0.10802157276443072}],"sentiment":"neutral","sentiment_score":0.10012881786678918,"num_words":128,"start":546.275,"end":579.315},{"sentences":[{"text":"Okay?","start":579.375,"end":579.875,"sentiment":"neutral","sentiment_score":0.15564340353012085},{"text":"Perfect.","start":581.42004,"end":581.92004,"sentiment":"positive","sentiment_score":0.507718563079834},{"text":"To make this a little bit easier, I'm actually gonna do the advice presentation slightly different for you.","start":582.86,"end":589.34,"sentiment":"neutral","sentiment_score":0.2263688842455546},{"text":"We'll start with the insurance side of things because this is kind of the main aspect of your advice phase.","start":589.34,"end":594.435,"sentiment":"neutral","sentiment_score":0.15567555762827395},{"text":"So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can go back and have a chat about the the, you know, projection table for you so you got a whole a big yeah.","start":594.595,"end":606.035,"sentiment":"neutral","sentiment_score":0.20305480237336868}],"sentiment":"neutral","sentiment_score":0.1999435488177442,"num_words":87,"start":579.375,"end":606.035},{"sentences":[{"text":"The whole picture, essentially.","start":606.035,"end":607.335,"sentiment":"neutral","sentiment_score":0.1409035623073578},{"text":"Excellent.","start":609.58,"end":610.08,"sentiment":"positive","sentiment_score":0.60239577293396},{"text":"Perfect.","start":614.14,"end":614.62,"sentiment":"positive","sentiment_score":0.532680869102478},{"text":"So this is essentially letting you know that we are making the recommendation to apply for life and TPD through Encompass.","start":614.62,"end":620.8,"sentiment":"neutral","sentiment_score":0.3222375568889436},{"text":"So as we kinda spoke about originally, your goal was to make sure with your life and TPD cover that if anything happened to you that you will your TPD cover is probably the main thing there.","start":621.215,"end":631.155,"sentiment":"neutral","sentiment_score":0.23183304635254112}],"sentiment":"neutral","sentiment_score":0.26630472345277667,"num_words":64,"start":606.035,"end":631.155},{"sentences":[{"text":"Making sure that, you know, if you were unable to get back to work due to permanent incapacity, that you could have a $150,000 paid out for potential medical expenses.","start":631.375,"end":639.76996,"sentiment":"neutral","sentiment_score":-0.12118475772440433},{"text":"Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses.","start":640.39,"end":649.20996,"sentiment":"neutral","sentiment_score":0.13965353112796258},{"text":"So we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you.","start":649.26996,"end":657.245,"sentiment":"neutral","sentiment_score":0.22186042175248818},{"text":"With your occupation, I know ages ago, we did go back and try to do transfer terms and have a look at the option, unfortunately.","start":657.94495,"end":663.96497,"sentiment":"neutral","sentiment_score":-0.05954194277524948},{"text":"Your occupation is quite risky when insurers are looking at things.","start":664.22003,"end":667.42004,"sentiment":"negative","sentiment_score":-0.3721705377101898}],"sentiment":"neutral","sentiment_score":0.006739480115595411,"num_words":122,"start":631.375,"end":667.42004},{"sentences":[{"text":"So we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day.","start":667.42004,"end":678.045,"sentiment":"neutral","sentiment_score":0.06957914245625337},{"text":"And they actually came back and said they were willing to offer cover.","start":678.285,"end":681.105,"sentiment":"neutral","sentiment_score":0.04098396089214545},{"text":"They yeah.","start":682.125,"end":683.345,"sentiment":"neutral","sentiment_score":0.06957567110657692},{"text":"They were willing to offer life MTBD cover, and, essentially, some insured you need to be able to meet your goal is a amount of 655,000.","start":683.565,"end":691.725,"sentiment":"neutral","sentiment_score":0.13949338318063662},{"text":"So within Compass, they have rated you as a a firefighter.","start":691.725,"end":696.18994,"sentiment":"neutral","sentiment_score":0.3244687996127389}],"sentiment":"neutral","sentiment_score":0.1178724627349187,"num_words":88,"start":667.42004,"end":696.18994},{"sentences":[{"text":"But, look, they're one of the only insurance companies who are willing to offer under the occupation rating, so we were really happy with that.","start":697.20996,"end":704.26996,"sentiment":"positive","sentiment_score":0.3746704888343811},{"text":"We are then recommending that you do apply for the life and TBD with the sum insured of $656,155,000 there to be held inside super.","start":704.985,"end":714.02496,"sentiment":"positive","sentiment_score":0.39899684190750123},{"text":"So you're not having to pay those premiums out of your back pocket.","start":714.02496,"end":716.845,"sentiment":"neutral","sentiment_score":0.17039195333535856},{"text":"They are with the TBD offering.","start":717.225,"end":718.985,"sentiment":"neutral","sentiment_score":0.19086256374915442},{"text":"This is the standard super occupation, which isn't any occupation definition.","start":718.985,"end":723.16003,"sentiment":"neutral","sentiment_score":0.14417387341911142}],"sentiment":"neutral","sentiment_score":0.3035983331501484,"num_words":80,"start":697.20996,"end":723.16003},{"sentences":[{"text":"So that means in order to be able to claim on TBD, you just have to never be able to go back to work again for any occupation for which you are trained, educated, or have worked.","start":723.22003,"end":732.2,"sentiment":"neutral","sentiment_score":0.1695112831689216},{"text":"It's the same definition as any other TBD, which is fantastic to note.","start":732.785,"end":737.20496,"sentiment":"positive","sentiment_score":0.51190352669129},{"text":"And then we added the buyback.","start":737.505,"end":739.185,"sentiment":"neutral","sentiment_score":0.22477523982524872},{"text":"So because we've linked the two policies together for you to make them more cost effective, we add the debt buyback there.","start":739.185,"end":745.26,"sentiment":"neutral","sentiment_score":0.1819877942854708},{"text":"The way this works and the way TBD generally works when you do link it to life is that if you are TBD, if they pay out the sum insured, which is great, but then when you've linked the life together, it cancels out the life policy.","start":745.34,"end":757.44,"sentiment":"neutral","sentiment_score":-0.045588193976498666}],"sentiment":"neutral","sentiment_score":0.12909120896458626,"num_words":125,"start":723.22003,"end":757.44},{"sentences":[{"text":"So within twelve months, they'll actually reinstate that policy, the policy back.","start":757.625,"end":761.945,"sentiment":"neutral","sentiment_score":0.1746224065621694},{"text":"So should you pass away later stage, you can still claim on the last policy.","start":761.945,"end":766.20496,"sentiment":"neutral","sentiment_score":0.2256078730026881},{"text":"This is just a more cost effective way of linking the policies together, so you get a a multi policy discount, essentially, makes the premiums cheaper for you, which has a greater effect on your sleepers, but still make sure you can claim on both of those policies if anything was to happen.","start":766.985,"end":781.60004,"sentiment":"positive","sentiment_score":0.44648899475358567},{"text":"Does that make sense?","start":781.60004,"end":782.66003,"sentiment":"neutral","sentiment_score":0.1510971486568451},{"text":"Yeah.","start":784.4,"end":784.9,"sentiment":"neutral","sentiment_score":0.26582372188568115}],"sentiment":"positive","sentiment_score":0.3531025413204642,"num_words":85,"start":757.625,"end":784.9},{"sentences":[{"text":"That's okay.","start":785.52,"end":786.26,"sentiment":"positive","sentiment_score":0.38818755745887756},{"text":"If you're if it doesn't, you're welcome to let me know.","start":786.395,"end":788.635,"sentiment":"neutral","sentiment_score":0.28602333637801086},{"text":"I'm happy to break it down further for you.","start":788.635,"end":790.715,"sentiment":"positive","sentiment_score":0.736136449707879},{"text":"It's all good.","start":790.715,"end":791.435,"sentiment":"positive","sentiment_score":0.7307276527086893},{"text":"Is there anything that you wanted me to kinda clarify with that a bit more detail for you?","start":791.435,"end":795.775,"sentiment":"neutral","sentiment_score":0.14946529931492275}],"sentiment":"positive","sentiment_score":0.35884693507538284,"num_words":43,"start":785.52,"end":795.775},{"sentences":[{"text":"Yeah.","start":799.11,"end":799.61,"sentiment":"neutral","sentiment_score":0.003772823140025139},{"text":"That's okay.","start":800.55,"end":801.45,"sentiment":"neutral","sentiment_score":0.034903427585959435},{"text":"That's alright.","start":801.67,"end":802.49,"sentiment":"neutral","sentiment_score":0.1032007448375225},{"text":"It's always a little bit like that when I'm kinda going through and talking to you because, I mean, I know my advice back to front, but you're seeing it for the first time in hearing it.","start":802.55,"end":810.07,"sentiment":"neutral","sentiment_score":0.0844658482316378},{"text":"So you do get a a chance before you take on the advice to go back and read the document, then make sure you've, you know, got a good understanding of it all, and let me know if you do find you have any questions there.","start":810.07,"end":820.705,"sentiment":"neutral","sentiment_score":0.16901495680212975}],"sentiment":"neutral","sentiment_score":0.12704438142563132,"num_words":88,"start":799.11,"end":820.705},{"sentences":[{"text":"Okay?","start":820.705,"end":821.205,"sentiment":"neutral","sentiment_score":0.1234058067202568},{"text":"Perfect.","start":822.945,"end":823.445,"sentiment":"positive","sentiment_score":0.5735237002372742},{"text":"That's okay.","start":823.505,"end":824.325,"sentiment":"neutral","sentiment_score":0.32875098288059235},{"text":"Now with this type of cover, it is retail cover.","start":824.8,"end":827.2,"sentiment":"neutral","sentiment_score":0.10981536135077477},{"text":"So it does mean that at the beginning of the application, you do go through the same as with your ClearView policy, you do go through an application process where the insurer understands and underwrites the policy so it's tailored to you and your needs.","start":827.2,"end":838.9,"sentiment":"neutral","sentiment_score":0.20709236645036275}],"sentiment":"neutral","sentiment_score":0.19952104366936926,"num_words":59,"start":820.705,"end":838.9},{"sentences":[{"text":"We do estimate the first year's premium to be $511.42 for life and TBD, which would be deducted out if you're sued for that.","start":839.255,"end":847.275,"sentiment":"neutral","sentiment_score":0.19186969815442959},{"text":"You do get a rebate of 15%.","start":847.335,"end":849.255,"sentiment":"neutral","sentiment_score":0.2770211675337383},{"text":"It's a bit like a discount there, but the total amount the insurer actually receives is $601.67.","start":849.255,"end":856.4,"sentiment":"neutral","sentiment_score":0.19140279062968843},{"text":"So it's a pity we don't get these discounts all the time, but it is really great to be able to see that you pay a little bit less because it's held inside super.","start":856.4,"end":864.18,"sentiment":"neutral","sentiment_score":0.2701525008853744},{"text":"Okay.","start":864.32,"end":864.82,"sentiment":"neutral","sentiment_score":0.08297473192214966}],"sentiment":"neutral","sentiment_score":0.22971118230327783,"num_words":83,"start":839.255,"end":864.82},{"sentences":[{"text":"Perfect.","start":866.775,"end":867.275,"sentiment":"positive","sentiment_score":0.5149087905883789},{"text":"Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved.","start":868.215,"end":874.79504,"sentiment":"neutral","sentiment_score":-0.10696851867048637},{"text":"So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion.","start":874.85504,"end":886.09,"sentiment":"neutral","sentiment_score":-0.11605686683426886},{"text":"So because of what was disclosed in your pre assessment, we do expect a lot to be offered at standard rates.","start":886.79004,"end":893.38495,"sentiment":"neutral","sentiment_score":-0.12406244377295177},{"text":"However, with the TPD, we do expect a lumbar spine exclusion on the policy.","start":893.38495,"end":898.20496,"sentiment":"neutral","sentiment_score":-0.2589013097541673}],"sentiment":"neutral","sentiment_score":-0.1303358093224546,"num_words":93,"start":866.775,"end":898.20496},{"sentences":[{"text":"That essentially means that any conditions related to the lump to your previous injury or illness around that area, they will not cover.","start":898.505,"end":907.18005,"sentiment":"neutral","sentiment_score":-0.27484927553197613},{"text":"They maybe can't claim on those sorts of injuries or illnesses.","start":907.18005,"end":909.98004,"sentiment":"neutral","sentiment_score":-0.30117669024250726},{"text":"But, essentially, if you were to say have a car accident, they would assess the injury that you've received.","start":909.98004,"end":915.34,"sentiment":"neutral","sentiment_score":-0.13613664045145638},{"text":"So if you have a car accident, you break your back, something happens, they assess the injury and the claim.","start":915.34,"end":920.4,"sentiment":"neutral","sentiment_score":-0.13011388964951037},{"text":"They'll look at what your previous injuries were, the fact that you have an exclusion there, but they'll also look at whether a reasonable reasonable person without the lumbar spine like, without the lumbar spine exclusion would have still claimed for the same injury.","start":920.665,"end":935.405,"sentiment":"neutral","sentiment_score":-0.1364752392877232}],"sentiment":"neutral","sentiment_score":-0.17801932837718573,"num_words":117,"start":898.505,"end":935.405},{"sentences":[{"text":"So there is a chance for things like car accidents where you still hurt your back, your lower back, that you still can claim because they're looking at what you what the injury or illness was that caused you to have that exclusion in the first place, not so much what has happened here.","start":935.79,"end":950.03503,"sentiment":"neutral","sentiment_score":-0.17471685784834404},{"text":"So there is a chance you can claim on down the track.","start":950.335,"end":952.755,"sentiment":"neutral","sentiment_score":0.01201982827236255},{"text":"And if anything changes with the insurers, they sometimes will reassess loadings and exclusions down the track as well.","start":952.895,"end":958.655,"sentiment":"neutral","sentiment_score":-0.046492265439347216},{"text":"So we can always review that with them further down.","start":958.655,"end":961.31,"sentiment":"neutral","sentiment_score":-0.005245441943407059},{"text":"But we just wanted to make sure we're open and honest with you.","start":961.31,"end":963.97003,"sentiment":"neutral","sentiment_score":0.030749306082725525}],"sentiment":"neutral","sentiment_score":-0.09098647100230058,"num_words":108,"start":935.79,"end":963.97003},{"sentences":[{"text":"We understand the contract that is to be offered, and we understand there would be a lumbar spine exclusion.","start":964.27,"end":969.23,"sentiment":"neutral","sentiment_score":-0.14570986675588707},{"text":"I apologize.","start":969.23,"end":969.89,"sentiment":"neutral","sentiment_score":-0.1420866772532463},{"text":"I get a bit tongue tied with some of these things.","start":969.95,"end":972.05,"sentiment":"neutral","sentiment_score":-0.3162269497459585},{"text":"Yeah.","start":975.96497,"end":976.46497,"sentiment":"positive","sentiment_score":0.371956080198288},{"text":"Perfect.","start":976.685,"end":977.185,"sentiment":"positive","sentiment_score":0.5716900825500488}],"sentiment":"neutral","sentiment_score":-0.16433856198016336,"num_words":34,"start":964.27,"end":977.185},{"sentences":[{"text":"The recommendation is still in your best interest even though it does have the exclusion that we expect to have applied.","start":978.605,"end":984.545,"sentiment":"neutral","sentiment_score":0.09190141409635544},{"text":"It does mean that you would have a higher level of cover.","start":984.685,"end":987.425,"sentiment":"neutral","sentiment_score":0.13998556012908617},{"text":"It essentially means that the cover amount in the event of claiming is there to meet your goal, and this does meet your goal, whereas your current cover is quite low and does decrease over time.","start":987.8,"end":997.72,"sentiment":"neutral","sentiment_score":0.1316365615154306},{"text":"With the retail covers that we're recommending, these covers actually increase along within indexation.","start":997.72,"end":1001.55994,"sentiment":"neutral","sentiment_score":0.09605266685996737},{"text":"So the idea stations.","start":1001.55994,"end":1002.475,"sentiment":"neutral","sentiment_score":0.12769272178411484}],"sentiment":"neutral","sentiment_score":0.11728943511843681,"num_words":87,"start":978.605,"end":1002.475},{"sentences":[{"text":"So the idea is that by having them increase over time, because a $100 this year doesn't equal a $100 next year, that if in the event you do claim in the future, the amount you are gonna get paid is essentially there and is gonna cover the expenditure.","start":1002.475,"end":1017.54,"sentiment":"neutral","sentiment_score":0.1731566546522841},{"text":"And so we don't want it to be eaten away eaten eaten away with inflation.","start":1017.83997,"end":1021.3,"sentiment":"neutral","sentiment_score":-0.08901193374767899},{"text":"I'm so sorry.","start":1021.36,"end":1022.0,"sentiment":"neutral","sentiment_score":-0.21100418269634247},{"text":"I'm a bit tongue tied this afternoon.","start":1022.0,"end":1023.45996,"sentiment":"neutral","sentiment_score":-0.3112427890300751},{"text":"Yeah.","start":1028.395,"end":1028.895,"sentiment":"neutral","sentiment_score":-0.042874664068222046}],"sentiment":"neutral","sentiment_score":0.05726547115171949,"num_words":75,"start":1002.475,"end":1028.895},{"sentences":[{"text":"Perfect.","start":1029.3551,"end":1029.8551,"sentiment":"neutral","sentiment_score":-0.055197227746248245},{"text":"We are still looking to keep your current t current trauma and IP policy in place so we can review all of these together.","start":1030.875,"end":1038.735,"sentiment":"neutral","sentiment_score":-0.014686842914670706},{"text":"It does mean that you would have two different insurers that encompass your life and TPD and clear you with your trauma and income protection policies.","start":1038.98,"end":1045.9601,"sentiment":"neutral","sentiment_score":0.019093193400364656},{"text":"However, you have us as your advisers, and we monitor and look after all of it.","start":1046.34,"end":1050.02,"sentiment":"neutral","sentiment_score":0.11370297498069704},{"text":"So if you had to make a claim, we're the ones that would help you facilitate that between yourself and the insurer to make it easily easier on yourself and your family.","start":1050.02,"end":1058.905,"sentiment":"neutral","sentiment_score":0.23103647702373564}],"sentiment":"neutral","sentiment_score":0.09395107510264473,"num_words":99,"start":1029.3551,"end":1058.905},{"sentences":[{"text":"So having different insurers doesn't normally cause too much of an issue.","start":1058.905,"end":1062.765,"sentiment":"neutral","sentiment_score":-0.0049831367408235865},{"text":"Okay?","start":1062.8251,"end":1063.3251,"sentiment":"neutral","sentiment_score":0.17468881607055664},{"text":"That's okay.","start":1065.0801,"end":1065.9801,"sentiment":"neutral","sentiment_score":0.2796836644411087},{"text":"So now if I can get you to scroll back to page number 13 for me.","start":1066.28,"end":1069.56,"sentiment":"neutral","sentiment_score":0.12109071994200349},{"text":"This is essentially the projection table.","start":1069.56,"end":1071.4,"sentiment":"neutral","sentiment_score":0.13496080537637076}],"sentiment":"neutral","sentiment_score":0.09247229338900463,"num_words":37,"start":1058.905,"end":1071.4},{"sentences":[{"text":"Now that you sort of understand the insurances, it makes a lot more sense there.","start":1071.4,"end":1075.3401,"sentiment":"neutral","sentiment_score":0.21419782936573029},{"text":"Yep.","start":1079.025,"end":1079.525,"sentiment":"neutral","sentiment_score":0.20031851530075073},{"text":"Perfect.","start":1079.585,"end":1080.085,"sentiment":"neutral","sentiment_score":0.32787370681762695},{"text":"So you'll see here we've got your current scenario where you've got your Aware Super with your current balance and also your Hub 24 with the balance as well.","start":1080.705,"end":1088.245,"sentiment":"neutral","sentiment_score":0.15452177411523357},{"text":"Underneath that, you are paying within both of the funds, the administration fees, investment fees, and any other fees applicable there, and your ongoing service fees for being our client and being onboard and having us look after everything for you.","start":1088.465,"end":1100.1599,"sentiment":"neutral","sentiment_score":0.12280965278424867}],"sentiment":"neutral","sentiment_score":0.15238490662184254,"num_words":87,"start":1071.4,"end":1100.1599},{"sentences":[{"text":"At the moment, your contributions are going into Aware, and you've got your insurance premiums being deducted out of both funds.","start":1100.7,"end":1106.5651,"sentiment":"neutral","sentiment_score":0.14515695756389982},{"text":"So part out of Aware, so your current life, CPD, and income protection there, and then you've got your other income protection policy paid out of hub twenty four through ClearView there.","start":1106.5651,"end":1116.725,"sentiment":"neutral","sentiment_score":0.16160188033245504},{"text":"Okay?","start":1116.725,"end":1117.225,"sentiment":"neutral","sentiment_score":0.04691383987665176},{"text":"Between the two funds, you are still in a high growth portfolio, and the five year rolling average so when we look at how the two funds and the investments within those have performed over the last five years, they're averaging about 14.44%.","start":1118.65,"end":1130.99,"sentiment":"neutral","sentiment_score":0.15157041438790256},{"text":"Okay?","start":1131.2051,"end":1131.7051,"sentiment":"neutral","sentiment_score":0.04987011477351189}],"sentiment":"neutral","sentiment_score":0.15136600053888194,"num_words":98,"start":1100.7,"end":1131.7051},{"sentences":[{"text":"If we do sort of look at the funds, how they have performed, and if the market did perform the same way over the next five years, we can show a project that you could end up with 208,207 in five years or 338,453 over the next ten years, which isn't a bad amount at all.","start":1132.245,"end":1150.41,"sentiment":"neutral","sentiment_score":0.24018959275313786},{"text":"What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass.","start":1151.03,"end":1158.01,"sentiment":"neutral","sentiment_score":0.16002062140476137},{"text":"That means that we actually can, once that has been applied for, consolidate.","start":1158.0701,"end":1161.53,"sentiment":"neutral","sentiment_score":0.2380872219800949},{"text":"Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well.","start":1161.965,"end":1169.265,"sentiment":"positive","sentiment_score":0.35603460559138544},{"text":"And then the life and TPD, the everything is all in one place.","start":1169.725,"end":1173.72,"sentiment":"positive","sentiment_score":0.3397830128669739}],"sentiment":"neutral","sentiment_score":0.2610484434435001,"num_words":130,"start":1132.245,"end":1173.72},{"sentences":[{"text":"You've got your Encompass life and TPD, their income protection through Clearview, and it's all paid out as a one fund, and your contributions can go into the one fund as well.","start":1173.7999,"end":1182.7,"sentiment":"neutral","sentiment_score":0.27756565622985363},{"text":"By consolidating, we essentially do understand that the administration fees are slightly lower, so you would save about $17 for the first year, which is fantastic.","start":1183.24,"end":1192.155,"sentiment":"positive","sentiment_score":0.5604758468958048},{"text":"The investment fees as well would be reduced by having one fund fee for the first year.","start":1193.015,"end":1197.015,"sentiment":"positive","sentiment_score":0.4899665204917683},{"text":"You'd save about $24 on those.","start":1197.015,"end":1199.22,"sentiment":"positive","sentiment_score":0.5719408392906189},{"text":"Only small savings, but when you keep that money in your super fund compounding towards your retirement goals, it can make a big difference over the longer term there for you.","start":1199.38,"end":1207.62,"sentiment":"positive","sentiment_score":0.6733357839045986}],"sentiment":"positive","sentiment_score":0.5007942696767194,"num_words":112,"start":1173.7999,"end":1207.62},{"sentences":[{"text":"Okay?","start":1207.62,"end":1208.12,"sentiment":"neutral","sentiment_score":0.1562119871377945},{"text":"Yeah.","start":1209.5399,"end":1210.0399,"sentiment":"neutral","sentiment_score":0.04081326723098755},{"text":"With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there.","start":1210.5,"end":1216.875,"sentiment":"neutral","sentiment_score":0.055178806355053726},{"text":"Our ongoing service fee, as you're aware, is 1.65% per annum.","start":1216.875,"end":1220.655,"sentiment":"neutral","sentiment_score":0.07241695814511993},{"text":"It is deducted in smaller monthly increments on a regular basis.","start":1220.715,"end":1224.155,"sentiment":"neutral","sentiment_score":0.08767383071509274}],"sentiment":"neutral","sentiment_score":0.06895560155744138,"num_words":46,"start":1207.62,"end":1224.155},{"sentences":[{"text":"So and that's the fee for our providing our services.","start":1224.155,"end":1226.9551,"sentiment":"neutral","sentiment_score":0.14679351970553398},{"text":"It also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well.","start":1226.9551,"end":1234.22,"sentiment":"neutral","sentiment_score":0.1377837087797082},{"text":"Okay?","start":1234.22,"end":1234.72,"sentiment":"neutral","sentiment_score":0.06827649474143982},{"text":"Perfect.","start":1236.7,"end":1237.2,"sentiment":"positive","sentiment_score":0.681640088558197},{"text":"All your contributions can then go into Hub 24 as well.","start":1237.82,"end":1240.86,"sentiment":"positive","sentiment_score":0.4686162607236342}],"sentiment":"neutral","sentiment_score":0.22916643370104872,"num_words":46,"start":1224.155,"end":1240.86},{"sentences":[{"text":"So everything's in one place and the total.","start":1240.86,"end":1243.395,"sentiment":"positive","sentiment_score":0.41720329225063324},{"text":"So with your income protection policy you have plus the new policy within Compass, this would be the total.","start":1243.395,"end":1249.155,"sentiment":"positive","sentiment_score":0.35761916480566325},{"text":"The $2,468 would be the total paid for your insurances there.","start":1249.155,"end":1254.3551,"sentiment":"positive","sentiment_score":0.3559220866723494},{"text":"It is slightly more than what you are paying between the two funds by about $46.","start":1254.3551,"end":1258.58,"sentiment":"neutral","sentiment_score":0.3188335560262203},{"text":"However, it's all in one place and makes it much more manageable.","start":1258.7999,"end":1262.1,"sentiment":"positive","sentiment_score":0.5185400992631912}],"sentiment":"positive","sentiment_score":0.38441441682252014,"num_words":66,"start":1240.86,"end":1262.1},{"sentences":[{"text":"And when your contributions are going in as well as your insurance premiums coming out all in one fund, it's a more manageable, but it's easier to make sure things are coming up to growth as well.","start":1262.4,"end":1271.925,"sentiment":"positive","sentiment_score":0.3775744136120822},{"text":"Okay?","start":1272.0651,"end":1272.385,"sentiment":"neutral","sentiment_score":0.11755268275737762},{"text":"Does that all make sense so far?","start":1272.385,"end":1274.005,"sentiment":"neutral","sentiment_score":0.13829776857580459},{"text":"Yeah.","start":1274.0651,"end":1274.5651,"sentiment":"neutral","sentiment_score":0.15234504640102386},{"text":"Perfect.","start":1275.985,"end":1276.485,"sentiment":"positive","sentiment_score":0.4550530314445496}],"sentiment":"neutral","sentiment_score":0.3332614562612899,"num_words":47,"start":1262.4,"end":1276.485},{"sentences":[{"text":"Within the portfolio that we are still keeping in a high growth portfolio, so you're still invested in line with your risk profile.","start":1277.5851,"end":1284.24,"sentiment":"neutral","sentiment_score":0.2947718216025311},{"text":"And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined.","start":1284.7,"end":1296.72,"sentiment":"neutral","sentiment_score":0.3232508959869544},{"text":"It's been averaging about 16.93% on a on a yearly basis there.","start":1297.0751,"end":1301.735,"sentiment":"neutral","sentiment_score":0.30989233031868935},{"text":"I do I do honestly don't expect you to get that every year moving forward, but if the state of funds did perform the same way as they had and we were able to obtain that kind of performance over the longer term, in the next five years, you could end up with 236,431, and over the next ten years, up to 445,374.","start":1302.355,"end":1321.63,"sentiment":"neutral","sentiment_score":0.24156967411556887},{"text":"So by being all in one fund, having everything consolidated together, it can put you in a better position, and the past performance on this portfolio is greater than what the past performance on the previous one had also.","start":1321.63,"end":1333.625,"sentiment":"positive","sentiment_score":0.48277468024156034}],"sentiment":"neutral","sentiment_score":0.3247548792769626,"num_words":173,"start":1277.5851,"end":1333.625},{"sentences":[{"text":"Okay?","start":1333.8451,"end":1334.3451,"sentiment":"neutral","sentiment_score":0.11694274842739104},{"text":"Perfect.","start":1336.005,"end":1336.505,"sentiment":"positive","sentiment_score":0.6598460674285889},{"text":"No worries.","start":1337.285,"end":1338.1051,"sentiment":"neutral","sentiment_score":0.1640884429216385},{"text":"If I can get you to scroll down for me sorry.","start":1338.885,"end":1341.625,"sentiment":"neutral","sentiment_score":0.0061244563284245405},{"text":"I'm losing my voice a little bit there.","start":1342.12,"end":1343.8999,"sentiment":"negative","sentiment_score":-0.3391940612345934}],"sentiment":"neutral","sentiment_score":-0.06700946819847045,"num_words":23,"start":1333.8451,"end":1343.8999},{"sentences":[{"text":"Just down to page number 36.","start":1344.0399,"end":1346.2,"sentiment":"neutral","sentiment_score":-0.009578694899876913},{"text":"This is the investment profile.","start":1346.2,"end":1347.64,"sentiment":"neutral","sentiment_score":-0.004775888100266456},{"text":"So you will see the top of that.","start":1347.64,"end":1349.0,"sentiment":"neutral","sentiment_score":0.016317011089995503},{"text":"We actually have the number of $231 there in the top corner.","start":1349.0,"end":1353.1799,"sentiment":"neutral","sentiment_score":0.015331558107088009},{"text":"We have made some slight changes to your investment profile, which is kinda giving you the better return there.","start":1353.5599,"end":1359.7151,"sentiment":"neutral","sentiment_score":0.02759201138427383}],"sentiment":"neutral","sentiment_score":0.015148227848112584,"num_words":50,"start":1344.0399,"end":1359.7151},{"sentences":[{"text":"But sorry.","start":1359.7151,"end":1360.355,"sentiment":"neutral","sentiment_score":-0.04104161635041237},{"text":"$252 is the safety show consequence.","start":1360.355,"end":1363.415,"sentiment":"neutral","sentiment_score":-0.031229862322409947},{"text":"But the reason we needed to make some changes to your investment profile was that in your current super fund, you've actually got Bennelong Australian Equities.","start":1364.995,"end":1371.795,"sentiment":"neutral","sentiment_score":-0.016709853778593242},{"text":"Now Bennelong is your Australian equity component.","start":1371.795,"end":1374.48,"sentiment":"neutral","sentiment_score":0.0002849856058933905},{"text":"They were there as more of a value kind of investor that were giving you a bit of active management when you came on board.","start":1374.54,"end":1380.24,"sentiment":"neutral","sentiment_score":-0.03395269706845284}],"sentiment":"neutral","sentiment_score":-0.02349607776286024,"num_words":66,"start":1359.7151,"end":1380.24},{"sentences":[{"text":"They have been really, really good up until sort of the end of last year.","start":1380.2999,"end":1383.74,"sentiment":"neutral","sentiment_score":-0.22836918731530506},{"text":"And around about November, December, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market that had been released to the market.","start":1383.74,"end":1392.915,"sentiment":"negative","sentiment_score":-0.3764984789821837},{"text":"It meant that Better Long and Corporate Travel had been reinvested sorry, reevaluated as an investment pro investment option, and it meant that we had to go back and re reevaluate them in your portfolio as well.","start":1392.915,"end":1406.76,"sentiment":"neutral","sentiment_score":-0.2820321957807283},{"text":"They have shown a little bit of a negative return over the past couple of months and sort of affected most people's portfolios just slightly.","start":1406.9801,"end":1413.4,"sentiment":"negative","sentiment_score":-0.4540940010547638},{"text":"You only have a small amount in there.","start":1413.78,"end":1415.54,"sentiment":"neutral","sentiment_score":-0.05049772607162595}],"sentiment":"neutral","sentiment_score":-0.3194867841167642,"num_words":112,"start":1380.2999,"end":1415.54},{"sentences":[{"text":"It's only about 10.6% of your portfolio is in Bennelong, but we are wanting to sell you completely out of that.","start":1415.54,"end":1423.715,"sentiment":"neutral","sentiment_score":-0.14385391044474782},{"text":"And to keep your Australian equities component, on the bottom of that table, you'll see Affinity Australian shares.","start":1423.855,"end":1430.0349,"sentiment":"neutral","sentiment_score":0.010199243978907665},{"text":"Got the ticket number PAM001AU.","start":1430.96,"end":1434.9,"sentiment":"neutral","sentiment_score":0.011568819172680378},{"text":"So Alfiniti haven't had the same issue.","start":1435.84,"end":1437.76,"sentiment":"neutral","sentiment_score":-0.061258825340441296},{"text":"They don't hold the same investments there as Van Alon.","start":1437.76,"end":1440.34,"sentiment":"neutral","sentiment_score":-0.12012885212898254}],"sentiment":"neutral","sentiment_score":-0.07228855623817834,"num_words":61,"start":1415.54,"end":1440.34},{"sentences":[{"text":"So we are gonna swap you out of Van Alon, get rid of them because they're underperforming and Alfiniti Australian shares.","start":1440.64,"end":1447.935,"sentiment":"neutral","sentiment_score":-0.16093349811576663},{"text":"To give you a little bit of detail, they essentially followed the or tracked the benchmark, the S and PAS 300 accumulation index.","start":1448.635,"end":1455.775,"sentiment":"neutral","sentiment_score":-0.011664906273717466},{"text":"Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities.","start":1455.995,"end":1461.33,"sentiment":"neutral","sentiment_score":0.1801441785480295},{"text":"So it's giving you the same level of exposure, but it has performed greater.","start":1461.33,"end":1465.65,"sentiment":"positive","sentiment_score":0.3623313307762146},{"text":"And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well.","start":1465.65,"end":1474.29,"sentiment":"positive","sentiment_score":0.5703958193461101}],"sentiment":"neutral","sentiment_score":0.2064572098646678,"num_words":102,"start":1440.64,"end":1474.29},{"sentences":[{"text":"Okay.","start":1474.29,"end":1474.79,"sentiment":"neutral","sentiment_score":0.25845304131507874},{"text":"Perfect.","start":1476.8151,"end":1477.3151,"sentiment":"positive","sentiment_score":0.7239466905593872},{"text":"So once we kind of move everything over and with the portfolio that has provided that greater return, once we complete the switch of the investments, you'll end up with some Global X battery and lithium test.","start":1477.535,"end":1488.3351,"sentiment":"positive","sentiment_score":0.39931125495884867},{"text":"You'll have about 7% there.","start":1488.3351,"end":1490.31,"sentiment":"neutral","sentiment_score":0.31710708141326904},{"text":"Some bank hybrids, you'll have about 7% in there.","start":1490.79,"end":1493.53,"sentiment":"neutral","sentiment_score":0.21906482345528072}],"sentiment":"positive","sentiment_score":0.36441575440595736,"num_words":53,"start":1474.29,"end":1493.53},{"sentences":[{"text":"Some China, we're keeping that in there.","start":1493.5901,"end":1495.51,"sentiment":"neutral","sentiment_score":0.204519156898771},{"text":"You'll have about 7% in there.","start":1495.51,"end":1497.6101,"sentiment":"positive","sentiment_score":0.34092767039934796},{"text":"Some physical gold, which is showing great returns in everyone's portfolios over the last twelve months, which is really great.","start":1497.67,"end":1503.6901,"sentiment":"positive","sentiment_score":0.7289500147104263},{"text":"And you'll you'll keep about 7% in there as well.","start":1504.405,"end":1507.705,"sentiment":"positive","sentiment_score":0.5482132196426391},{"text":"You'll also have some beta shares cybersecurity in there.","start":1508.085,"end":1511.205,"sentiment":"neutral","sentiment_score":0.24318765103816986}],"sentiment":"positive","sentiment_score":0.4947504128974218,"num_words":52,"start":1493.5901,"end":1511.205},{"sentences":[{"text":"We're keeping that in the profile.","start":1511.205,"end":1512.745,"sentiment":"neutral","sentiment_score":0.2100268378853798},{"text":"And then also some S and P 500, so giving you exposure to The US market.","start":1513.125,"end":1517.865,"sentiment":"neutral","sentiment_score":0.09573674201965332},{"text":"That is probably your highest asset allocation.","start":1518.165,"end":1520.75,"sentiment":"neutral","sentiment_score":0.3035212457180023},{"text":"We have about 30% in there, and that is because over the long term, the, you know, into international markets and especially US do perform really, really well.","start":1520.81,"end":1530.0901,"sentiment":"positive","sentiment_score":0.3682578429579735},{"text":"So we wanna keep the exposure there.","start":1530.0901,"end":1532.99,"sentiment":"neutral","sentiment_score":0.21383666140692575}],"sentiment":"neutral","sentiment_score":0.2613230289425701,"num_words":64,"start":1511.205,"end":1532.99},{"sentences":[{"text":"We also, yeah, all good.","start":1533.4501,"end":1535.595,"sentiment":"neutral","sentiment_score":0.3217782020568848},{"text":"We also keep the VanEck property Australian property exposure at about 5%.","start":1535.595,"end":1541.215,"sentiment":"neutral","sentiment_score":0.18897483932475248},{"text":"You have the Raffi Aussie 200.","start":1541.355,"end":1543.1951,"sentiment":"neutral","sentiment_score":0.21591158707936606},{"text":"It's at 15.","start":1543.1951,"end":1544.395,"sentiment":"neutral","sentiment_score":0.24840722481409708},{"text":"It's giving you exposure to the top 200 companies on the ASX, which is great.","start":1544.395,"end":1549.17,"sentiment":"positive","sentiment_score":0.4494137346744537}],"sentiment":"neutral","sentiment_score":0.3087435682735792,"num_words":41,"start":1533.4501,"end":1549.17},{"sentences":[{"text":"And then also giving you the Alfiniti Australian shares.","start":1549.3301,"end":1552.13,"sentiment":"neutral","sentiment_score":0.21722524364789328},{"text":"They're giving you greater exposure to Australian shares.","start":1552.13,"end":1555.01,"sentiment":"neutral","sentiment_score":0.2133906651288271},{"text":"So between the S and P 500 and the Australian ASX exposure, we have about 30% in each.","start":1555.01,"end":1560.61,"sentiment":"neutral","sentiment_score":0.1612720957232846},{"text":"That is generally your highest asset allocation, and then everything else is kind of lower to spread the risk levels.","start":1560.61,"end":1566.9751,"sentiment":"neutral","sentiment_score":0.22424040213227273},{"text":"Does that make sense?","start":1566.9751,"end":1568.035,"sentiment":"neutral","sentiment_score":0.15521292760968208}],"sentiment":"neutral","sentiment_score":0.19780864389771122,"num_words":59,"start":1549.3301,"end":1568.035},{"sentences":[{"text":"Yeah.","start":1570.175,"end":1570.655,"sentiment":"neutral","sentiment_score":0.2532176077365875},{"text":"Cool.","start":1570.655,"end":1571.135,"sentiment":"positive","sentiment_score":0.40803128480911255},{"text":"You probably wanna go back and have a little bit of a read of those.","start":1571.135,"end":1574.5951,"sentiment":"neutral","sentiment_score":0.13731559553028394},{"text":"But if you find you have any questions around the pro the portfolio, the profile that we're putting you in, or any of the investments, you're welcome to come back and let me know.","start":1574.7351,"end":1583.16,"sentiment":"neutral","sentiment_score":0.15992027400609324},{"text":"I'm more than happy to take you through a deeper dive if that's what you'd like.","start":1583.16,"end":1586.68,"sentiment":"positive","sentiment_score":0.6619361620396376}],"sentiment":"neutral","sentiment_score":0.27983956319912434,"num_words":67,"start":1570.175,"end":1586.68},{"sentences":[{"text":"Okay?","start":1586.68,"end":1587.18,"sentiment":"neutral","sentiment_score":0.2937924563884735},{"text":"That's okay.","start":1589.0951,"end":1589.8351,"sentiment":"positive","sentiment_score":0.38772767782211304},{"text":"The next page just shows you kind of the changes because we are making some changes to your investments there.","start":1590.4551,"end":1596.635,"sentiment":"neutral","sentiment_score":0.0898026129230857},{"text":"The next page sort of shows you the changes in the asset allocation and what we sort of expect to see here.","start":1597.0951,"end":1602.635,"sentiment":"neutral","sentiment_score":0.05605923672291366},{"text":"At the moment with your risk profile, as we noted, you are a high growth investor, and you have the time for that high growth investors are happy to keep their money generally invested for about eight to ten years, and you're still so young.","start":1603.54,"end":1614.5801,"sentiment":"neutral","sentiment_score":0.17750593535602094}],"sentiment":"neutral","sentiment_score":0.1342930041046606,"num_words":90,"start":1586.68,"end":1614.5801},{"sentences":[{"text":"You've got a lot of time ahead of you before you turn 60 and can access deeper.","start":1614.5801,"end":1618.36,"sentiment":"neutral","sentiment_score":0.15323985148878658},{"text":"So we generally see about 90% in growth investments, and those things like Australian equities, international equities, Australian property, and international property.","start":1619.375,"end":1627.635,"sentiment":"neutral","sentiment_score":0.14484175836498087},{"text":"And then you also see about 10% in defensive investments, such Australian and international fixed interest and Australian cash and international cash there as well.","start":1628.255,"end":1638.26,"sentiment":"neutral","sentiment_score":0.11878015920519829},{"text":"We do also make sure to have a alternative asset allocation.","start":1638.64,"end":1642.82,"sentiment":"neutral","sentiment_score":0.0936864208091389},{"text":"It's not noted in the risk profile there, but we do add it in.","start":1642.96,"end":1646.4651,"sentiment":"neutral","sentiment_score":0.061043530968683105}],"sentiment":"neutral","sentiment_score":0.11962090114529213,"num_words":89,"start":1614.5801,"end":1646.4651},{"sentences":[{"text":"Alternative assets tend to work in different ways.","start":1646.4651,"end":1649.185,"sentiment":"neutral","sentiment_score":0.051874644588679075},{"text":"So, like, we have a bit of physical gold recommended in your portfolio, and you have some at the moment.","start":1649.185,"end":1654.0651,"sentiment":"neutral","sentiment_score":0.1019853949546814},{"text":"Physical gold is a growth investment, but given different time frames and the way markets can react, gold can also be seen as a defensive investment.","start":1654.0651,"end":1663.38,"sentiment":"neutral","sentiment_score":0.08265286770004493},{"text":"So it sort of works both ways for you.","start":1663.38,"end":1665.46,"sentiment":"neutral","sentiment_score":0.17460543248388502},{"text":"Okay?","start":1665.46,"end":1665.96,"sentiment":"neutral","sentiment_score":0.05504902079701424}],"sentiment":"neutral","sentiment_score":0.09734652389306575,"num_words":64,"start":1646.4651,"end":1665.96},{"sentences":[{"text":"Yeah.","start":1667.38,"end":1667.88,"sentiment":"neutral","sentiment_score":0.06785598397254944},{"text":"So with the existing profile, with the way you are currently invested between your Aware Super and Hub 24, with the Aware Super and Hub 24, with the growth investments, you have about 78.5% in growth investments and about 20.5% in defensive investments and 1% in alternatives there.","start":1668.5,"end":1686.6,"sentiment":"neutral","sentiment_score":0.07933586277067661},{"text":"With what we're proposing, the changes that we're making to your your portfolio, it essentially means you'll increase your growth exposure by about 88 sorry.","start":1686.9199,"end":1695.88,"sentiment":"neutral","sentiment_score":0.1323612666130066},{"text":"288.1%.","start":1695.88,"end":1697.48,"sentiment":"neutral","sentiment_score":0.14740940928459167},{"text":"It's increasing by 1.9% there.","start":1697.48,"end":1700.355,"sentiment":"neutral","sentiment_score":0.19266930520534514}],"sentiment":"neutral","sentiment_score":0.10369706247001886,"num_words":80,"start":1667.38,"end":1700.355},{"sentences":[{"text":"And then we're gonna decrease your defensive position by that 5.1%.","start":1700.515,"end":1705.395,"sentiment":"neutral","sentiment_score":0.040772645310922104},{"text":"So you'll have about 4.9% invested there and then adding a higher amount of alternatives.","start":1705.395,"end":1711.1749,"sentiment":"neutral","sentiment_score":0.20125743349393208},{"text":"So you'll have 7% in alternatives, meaning you have physical gold and some the VanEck property there.","start":1711.235,"end":1716.52,"sentiment":"neutral","sentiment_score":0.25706510947031136},{"text":"So you've got a bit of a a different assets that kind of mitigate the long term market flow, but investments that work both ways that are both gonna be growth and defensive in nature depending on what the per the portfolio and the market do and how things react.","start":1716.52,"end":1730.655,"sentiment":"neutral","sentiment_score":0.28612268656492235},{"text":"Does that make sense?","start":1730.735,"end":1732.355,"sentiment":"neutral","sentiment_score":0.21695230901241302}],"sentiment":"neutral","sentiment_score":0.23723104150639368,"num_words":97,"start":1700.515,"end":1732.355},{"sentences":[{"text":"Yeah.","start":1733.2151,"end":1733.7151,"sentiment":"neutral","sentiment_score":0.22762244939804077},{"text":"Perfect.","start":1733.775,"end":1734.275,"sentiment":"positive","sentiment_score":0.4288957715034485},{"text":"I will let you go back and have a bit of a read through that.","start":1734.8151,"end":1737.635,"sentiment":"neutral","sentiment_score":0.24036681453386943},{"text":"You've also got the advantages, disadvantages, and the risks involved there.","start":1738.095,"end":1742.355,"sentiment":"neutral","sentiment_score":0.07228851250626823},{"text":"Essentially, the benefits here are by moving and consolidating into one fund, you don't have to have two funds.","start":1742.975,"end":1749.08,"sentiment":"positive","sentiment_score":0.4104120605870297}],"sentiment":"neutral","sentiment_score":0.2735111325028095,"num_words":47,"start":1733.2151,"end":1749.08},{"sentences":[{"text":"It does lower your overall expenses a little bit, so you do save on your investment fees and your administration fees.","start":1749.08,"end":1755.64,"sentiment":"positive","sentiment_score":0.6128084517660595},{"text":"Having one fund is in best interest because all your money is together.","start":1755.64,"end":1759.02,"sentiment":"positive","sentiment_score":0.6886813869843116},{"text":"And when we look at the way investing works over longer term, more money makes more money.","start":1759.515,"end":1763.515,"sentiment":"positive","sentiment_score":0.5814936897333931},{"text":"So having it all in one place is easier to manage for you, but it can also provide a greater effect on your long term goals as well.","start":1763.515,"end":1771.055,"sentiment":"positive","sentiment_score":0.6649356425872871},{"text":"Okay?","start":1771.115,"end":1771.615,"sentiment":"neutral","sentiment_score":0.30584514141082764}],"sentiment":"positive","sentiment_score":0.6328908922150731,"num_words":80,"start":1749.08,"end":1771.615},{"sentences":[{"text":"Perfect.","start":1773.29,"end":1773.79,"sentiment":"positive","sentiment_score":0.4689074158668518},{"text":"The last part of the recommendation is the estate planning side of things.","start":1774.3301,"end":1777.85,"sentiment":"neutral","sentiment_score":0.19820711876337344},{"text":"So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative.","start":1777.85,"end":1787.23,"sentiment":"neutral","sentiment_score":0.20364158352216086},{"text":"So the way this essentially works is because you wanted to nominate your mom and dad if anything was to happen, under legislation, they actually can't be nominated as a beneficiary, the legislation states.","start":1787.4501,"end":1798.705,"sentiment":"neutral","sentiment_score":0.11718427207190818},{"text":"So it has to be either a spouse, a child, a financial dependent, someone who relies on you for live everyday living expenses, or an interdependent relationship for someone who lives with you and, again, relies on you for day to day living.","start":1798.705,"end":1813.0299,"sentiment":"neutral","sentiment_score":0.073102583675537}],"sentiment":"neutral","sentiment_score":0.1328101615540849,"num_words":118,"start":1773.29,"end":1813.0299},{"sentences":[{"text":"You pay all their bills, essentially.","start":1813.9851,"end":1815.6051,"sentiment":"neutral","sentiment_score":-0.028949968206385773},{"text":"So, unfortunately, under the legislation, it does mean that your parents don't meet that definition.","start":1816.2251,"end":1820.3251,"sentiment":"neutral","sentiment_score":-0.3315825581550598},{"text":"Sorry.","start":1821.505,"end":1822.005,"sentiment":"neutral","sentiment_score":-0.1224675476551056},{"text":"And we have at the moment, we do have your dad there, and he's noted on your super as spouse.","start":1822.625,"end":1827.8451,"sentiment":"neutral","sentiment_score":0.04256077827885747},{"text":"Unfortunately, that's the way I have 24.","start":1828.9401,"end":1831.8201,"sentiment":"negative","sentiment_score":-0.4641867237431662}],"sentiment":"neutral","sentiment_score":-0.1564897393845782,"num_words":49,"start":1813.9851,"end":1831.8201},{"sentences":[{"text":"I've noted it.","start":1831.8201,"end":1832.72,"sentiment":"neutral","sentiment_score":-0.11208367347717285},{"text":"So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund.","start":1832.78,"end":1839.5801,"sentiment":"neutral","sentiment_score":-0.00546118738129735},{"text":"And in the event that something was to happen, you just need to make sure your will is updated to reflect that.","start":1839.5801,"end":1845.495,"sentiment":"neutral","sentiment_score":-0.02450171671807766},{"text":"So speak to a solicitor, have a will in place noting what you want to happen to your super and life proceeds in the event of passing.","start":1845.495,"end":1853.435,"sentiment":"neutral","sentiment_score":0.028474852649701968},{"text":"And if you were to pass away, then your dad could contact us.","start":1853.975,"end":1857.3,"sentiment":"neutral","sentiment_score":-0.027286979011618175}],"sentiment":"neutral","sentiment_score":-0.006710849899579497,"num_words":85,"start":1831.8201,"end":1857.3},{"sentences":[{"text":"We would help with the claim because it would have LPR or legal personal representative noted on your super fund.","start":1857.38,"end":1863.56,"sentiment":"neutral","sentiment_score":0.1277420038357377},{"text":"The super fund will pay everything to your estate, and then it would all be distributed as per the wishes in your bill.","start":1863.7001,"end":1869.88,"sentiment":"neutral","sentiment_score":0.15452805890337282},{"text":"With the way things are currently, because your dad is nominated then, it says spouse.","start":1870.135,"end":1874.2949,"sentiment":"neutral","sentiment_score":-0.00022007363537947336},{"text":"If he was to make a claim on your super as it is, the everything would go through to the super fund.","start":1874.2949,"end":1879.815,"sentiment":"neutral","sentiment_score":-0.026750784705985676},{"text":"The trustee would look at it, but they would come back and say that the nomination is declined.","start":1879.815,"end":1883.835,"sentiment":"neutral","sentiment_score":-0.13734059201346505}],"sentiment":"neutral","sentiment_score":0.031071800073342665,"num_words":98,"start":1857.38,"end":1883.835},{"sentences":[{"text":"Unfortunately, the definition isn't met, and they would decline to pay the funds, which can put a bit more stress and strain on your family.","start":1884.6,"end":1891.34,"sentiment":"negative","sentiment_score":-0.4671057617664337},{"text":"But then it would be up to the trustee to go and find who then to make the payment to.","start":1891.8,"end":1896.94,"sentiment":"neutral","sentiment_score":-0.21645049080252649},{"text":"It can take a much longer process, and it has to go through a bit of a probate process.","start":1897.0249,"end":1900.965,"sentiment":"neutral","sentiment_score":-0.21934199646899574},{"text":"So having the beneficiary nominated correctly can make the whole thing much easier.","start":1901.0249,"end":1907.845,"sentiment":"neutral","sentiment_score":0.3312641829252243},{"text":"In saying that, we certainly hope that nothing happens and that you get to retirement and you can use all this money yourself.","start":1908.1449,"end":1914.47,"sentiment":"neutral","sentiment_score":0.2449207163375357}],"sentiment":"neutral","sentiment_score":-0.10234540939331055,"num_words":100,"start":1884.6,"end":1914.47},{"sentences":[{"text":"So I am gonna recommend that we update the beneficiary nomination, and our lovely admin team can help fill it out for you.","start":1919.3301,"end":1925.185,"sentiment":"positive","sentiment_score":0.40043547814307007},{"text":"So that way, you can just have it signed and witnessed to make it easier.","start":1925.185,"end":1928.3251,"sentiment":"positive","sentiment_score":0.4127982993920644},{"text":"We are still recommending a binding, non lapsing nomination, which binds the trustee to follow the direction that is made.","start":1928.785,"end":1934.305,"sentiment":"positive","sentiment_score":0.34106938540935516},{"text":"And non lapsing means you don't have to keep filling out beneficiary forms every couple of years.","start":1934.305,"end":1938.885,"sentiment":"neutral","sentiment_score":0.2573828000356169},{"text":"It would just stay in place for you until your circumstances change.","start":1939.01,"end":1942.77,"sentiment":"neutral","sentiment_score":0.2651534366110961}],"sentiment":"positive","sentiment_score":0.3423072073137623,"num_words":87,"start":1919.3301,"end":1942.77},{"sentences":[{"text":"Okay?","start":1942.77,"end":1943.27,"sentiment":"neutral","sentiment_score":0.19197659194469452},{"text":"That's okay.","start":1945.5701,"end":1946.31,"sentiment":"neutral","sentiment_score":0.2160670179873705},{"text":"The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well.","start":1946.8501,"end":1962.995,"sentiment":"neutral","sentiment_score":0.13538481517424505},{"text":"And having a power of attorney is also really important as well, Noting if anything was to happen to you and you were unable to make decisions on your behalf that you had chosen someone, and they know what your wishes are.","start":1963.455,"end":1974.35,"sentiment":"neutral","sentiment_score":-0.1042965239889565},{"text":"Something that we do in this the industry see quite regularly where if something happens, someone's in hospital, they're unable to make decisions, and the enduring power of attorney is set up and it's put in place.","start":1975.13,"end":1985.585,"sentiment":"neutral","sentiment_score":-0.14797377123220548}],"sentiment":"neutral","sentiment_score":-0.0058160720444801785,"num_words":144,"start":1942.77,"end":1985.585},{"sentences":[{"text":"So somebody else has to make decisions for that person, and they're not always made in accordance with the with the with the principal's wishes, which can be really, really difficult.","start":1985.585,"end":1995.585,"sentiment":"neutral","sentiment_score":-0.2191147251475242},{"text":"So it is definitely worth seeking the services of a solicitor and having your will and power of attorney drawn up correctly so that everything that you want to happen, that your wishes are adhered to.","start":1995.585,"end":2005.7301,"sentiment":"neutral","sentiment_score":0.24206307178570163},{"text":"Does that make sense?","start":2005.7301,"end":2006.79,"sentiment":"neutral","sentiment_score":0.13605206087231636},{"text":"Beautiful.","start":2009.2649,"end":2009.7649,"sentiment":"neutral","sentiment_score":0.18525613844394684},{"text":"No.","start":2012.705,"end":2012.865,"sentiment":"neutral","sentiment_score":0.10074979066848756}],"sentiment":"neutral","sentiment_score":0.037697647634434374,"num_words":73,"start":1985.585,"end":2012.865},{"sentences":[{"text":"That's okay.","start":2012.865,"end":2013.845,"sentiment":"neutral","sentiment_score":0.24026140570640564},{"text":"It's honestly fine.","start":2013.985,"end":2015.445,"sentiment":"positive","sentiment_score":0.4533544679482778},{"text":"The only other thing to kinda go through is that as I went through before, you are an ongoing service client.","start":2017.105,"end":2021.825,"sentiment":"neutral","sentiment_score":0.10940339238870711},{"text":"So it does mean that there's no upfront implementation fees for the advice.","start":2021.825,"end":2026.68,"sentiment":"neutral","sentiment_score":0.11935146038348858},{"text":"It is all provided to you under the ongoing service agreement.","start":2026.68,"end":2029.9,"sentiment":"neutral","sentiment_score":0.20633322474631396}],"sentiment":"neutral","sentiment_score":0.15918583825230598,"num_words":50,"start":2012.865,"end":2029.9},{"sentences":[{"text":"Essentially, we estimate that the total paid ongoing for the year is about $3,781.","start":2030.52,"end":2037.26,"sentiment":"neutral","sentiment_score":0.10144558495708875},{"text":"That's for the insurances and the super.","start":2038.215,"end":2040.535,"sentiment":"neutral","sentiment_score":0.07108218967914581},{"text":"For the super only, how much we expect to be paid is 2,104.","start":2040.535,"end":2045.515,"sentiment":"neutral","sentiment_score":0.04190058891589825},{"text":"When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company.","start":2045.735,"end":2051.85,"sentiment":"neutral","sentiment_score":0.1004832670416521},{"text":"So we receive remuneration from them for the recommendations.","start":2051.85,"end":2054.99,"sentiment":"neutral","sentiment_score":0.11903896596696642}],"sentiment":"neutral","sentiment_score":0.08856040922303994,"num_words":66,"start":2030.52,"end":2054.99},{"sentences":[{"text":"It has no reflect on what we recommend whatsoever.","start":2055.85,"end":2059.79,"sentiment":"neutral","sentiment_score":-0.05187517156203588},{"text":"However, we do receive the remuneration.","start":2060.09,"end":2061.87,"sentiment":"neutral","sentiment_score":0.14044186224540076},{"text":"On new policies, we do receive 66% of the first year's premium and then 22% there ongoing.","start":2062.81,"end":2069.155,"sentiment":"neutral","sentiment_score":0.2527454030864379},{"text":"And with Clearview, we do currently receive 22% ongoing of the premiums as well.","start":2069.5352,"end":2073.7751,"sentiment":"neutral","sentiment_score":0.25020728419934},{"text":"But as I kinda went through before, everything we do has to be in your best interest and here to meet your goals.","start":2073.7751,"end":2079.5352,"sentiment":"neutral","sentiment_score":0.12080358422320822}],"sentiment":"neutral","sentiment_score":0.1587511724320011,"num_words":69,"start":2055.85,"end":2079.5352},{"sentences":[{"text":"So whilst we like to disclose the remuneration that we do receive, it has no effect in our recommendations.","start":2079.5352,"end":2085.5498,"sentiment":"neutral","sentiment_score":-0.08031252085378296},{"text":"Everything I recommend has to be right to you.","start":2085.8499,"end":2088.3298,"sentiment":"neutral","sentiment_score":0.12819678998655742},{"text":"Okay?","start":2088.3298,"end":2088.8298,"sentiment":"neutral","sentiment_score":0.07276295125484467},{"text":"Perfect.","start":2090.97,"end":2091.47,"sentiment":"positive","sentiment_score":0.5153959393501282},{"text":"Perfect.","start":2092.49,"end":2092.99,"sentiment":"positive","sentiment_score":0.5454651713371277}],"sentiment":"neutral","sentiment_score":0.02456313792255617,"num_words":31,"start":2079.5352,"end":2092.99},{"sentences":[{"text":"I know that is a lot to go through.","start":2093.6099,"end":2095.8699,"sentiment":"neutral","sentiment_score":0.1324014589190483},{"text":"I'm happy to let you go back, have a bit of a read through everything, run your eyes over the advantages, disadvantages, risks involved.","start":2096.435,"end":2102.915,"sentiment":"positive","sentiment_score":0.3535040949160854},{"text":"Let me know if you do happen to have any questions there.","start":2102.915,"end":2105.575,"sentiment":"neutral","sentiment_score":0.22185686603188515},{"text":"If you decide you do wanna go ahead with the recommendations there, let us know.","start":2105.715,"end":2109.315,"sentiment":"neutral","sentiment_score":0.16714060604572295},{"text":"We'll get you to sign and return the document back, and then we'll book you in with our lovely admin team.","start":2109.315,"end":2113.82,"sentiment":"neutral","sentiment_score":0.18956051624956585}],"sentiment":"neutral","sentiment_score":0.23241819422922017,"num_words":81,"start":2093.6099,"end":2113.82},{"sentences":[{"text":"They'll go through the insurance application for you.","start":2113.82,"end":2116.3,"sentiment":"neutral","sentiment_score":0.172448655590415},{"text":"Once that is in place, then we'll complete the final rollover out of the where and get your contributions moved over, and that'll cancel the insurances.","start":2116.3,"end":2123.76,"sentiment":"neutral","sentiment_score":0.01610370524800741},{"text":"I wouldn't do any of that until we get the Encompass insurance in place first.","start":2124.455,"end":2128.295,"sentiment":"neutral","sentiment_score":-0.15519395073254902},{"text":"It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim.","start":2128.295,"end":2138.875,"sentiment":"neutral","sentiment_score":0.06965843960642815},{"text":"Okay?","start":2139.175,"end":2139.675,"sentiment":"neutral","sentiment_score":0.09652556478977203}],"sentiment":"neutral","sentiment_score":0.02412332221865654,"num_words":86,"start":2113.82,"end":2139.675},{"sentences":[{"text":"Excellent.","start":2141.4402,"end":2141.9402,"sentiment":"positive","sentiment_score":0.6541080474853516},{"text":"All good.","start":2144.0,"end":2144.74,"sentiment":"positive","sentiment_score":0.6353489756584167},{"text":"I also just wanted to let you know as well, like, having a look at your super funds, so as part of the documents here, we do have the new ongoing service agreement attached there for you to the DocuSign.","start":2145.2002,"end":2155.62,"sentiment":"neutral","sentiment_score":0.30477003268897535},{"text":"Once you've gone through the statement of advice, the next document attached is the insurance quote, which runs you through what we've quoted and the ongoing service agreement as well.","start":2156.415,"end":2165.615,"sentiment":"neutral","sentiment_score":0.2580833743015925},{"text":"So if you're happy to say over the next twelve months, we'll get you to sign and return that one back.","start":2165.615,"end":2169.51,"sentiment":"positive","sentiment_score":0.3346263255391802}],"sentiment":"neutral","sentiment_score":0.30729001459289107,"num_words":94,"start":2141.4402,"end":2169.51},{"sentences":[{"text":"But your super fund within Hub twenty four for the last twelve months, you have also received a positive return of 7.96 percent.","start":2169.99,"end":2176.95,"sentiment":"positive","sentiment_score":0.5320565350677656},{"text":"So your current portfolio has been performing quite well.","start":2176.95,"end":2180.39,"sentiment":"positive","sentiment_score":0.6734305090374417},{"text":"The return is quite good for where you are.","start":2180.39,"end":2182.47,"sentiment":"positive","sentiment_score":0.6464165411889553},{"text":"It is a little bit low for where I'd expect a high growth investor to be receiving, and that is because Bennelong has pulled your returns back a little bit than seen as it's down since sort of November, December.","start":2182.47,"end":2193.405,"sentiment":"neutral","sentiment_score":-0.1479799383552745},{"text":"But so that's kind of why we've made that recommendation and that investment switch for you.","start":2193.865,"end":2198.285,"sentiment":"neutral","sentiment_score":0.256280823610723}],"sentiment":"neutral","sentiment_score":0.22986824125934815,"num_words":97,"start":2169.99,"end":2198.285},{"sentences":[{"text":"Okay?","start":2198.345,"end":2198.845,"sentiment":"neutral","sentiment_score":0.06813787668943405},{"text":"Aviso, do you have any questions?","start":2200.87,"end":2202.31,"sentiment":"neutral","sentiment_score":0.10845523575941722},{"text":"Do you wanna ask me anything at the moment?","start":2202.31,"end":2204.57,"sentiment":"neutral","sentiment_score":0.05540388077497482},{"text":"Yeah.","start":2212.085,"end":2212.585,"sentiment":"neutral","sentiment_score":0.012500478886067867},{"text":"Absolutely.","start":2218.005,"end":2218.505,"sentiment":"positive","sentiment_score":0.3705677390098572}],"sentiment":"neutral","sentiment_score":0.08892069089536865,"num_words":18,"start":2198.345,"end":2218.505},{"sentences":[{"text":"That's okay.","start":2218.885,"end":2219.785,"sentiment":"neutral","sentiment_score":0.23114120960235596},{"text":"Oh, thank you.","start":2220.405,"end":2221.365,"sentiment":"positive","sentiment_score":0.4725075960159302},{"text":"Thank you so much for your time.","start":2221.365,"end":2222.7249,"sentiment":"positive","sentiment_score":0.6735135998044696},{"text":"I know you're busy, so I really appreciate you taking the the few minutes of oh, sorry, the twenty minutes to run through this with me.","start":2222.7249,"end":2228.81,"sentiment":"positive","sentiment_score":0.44770577320685756},{"text":"I'll let you go back to run your eyes over it, maybe go have a cup of tea and take a breather.","start":2229.19,"end":2234.73,"sentiment":"neutral","sentiment_score":0.32435691966251895}],"sentiment":"positive","sentiment_score":0.422843379030625,"num_words":60,"start":2218.885,"end":2234.73},{"sentences":[{"text":"And then when you've got some time, come back and have a really good read to the document, and let me know if there's any questions whatsoever.","start":2234.8699,"end":2240.17,"sentiment":"neutral","sentiment_score":0.3027337469436504},{"text":"There is no such thing as a silly question.","start":2240.23,"end":2241.905,"sentiment":"neutral","sentiment_score":0.001747496012184355},{"text":"If it comes to mind and you wanna ask it, you let me know.","start":2241.905,"end":2244.705,"sentiment":"neutral","sentiment_score":0.18465851779494966},{"text":"Okay?","start":2244.705,"end":2245.205,"sentiment":"neutral","sentiment_score":0.12210150063037872},{"text":"Aw.","start":2247.345,"end":2247.7449,"sentiment":"positive","sentiment_score":0.5422395467758179}],"sentiment":"neutral","sentiment_score":0.21998267169468677,"num_words":52,"start":2234.8699,"end":2247.7449},{"sentences":[{"text":"Thank you so much, Danielle.","start":2247.7449,"end":2249.185,"sentiment":"positive","sentiment_score":0.7989606022834778},{"text":"You have a lovely afternoon.","start":2249.185,"end":2250.545,"sentiment":"positive","sentiment_score":0.8233405947685242},{"text":"I'll talk to you soon.","start":2250.545,"end":2251.685,"sentiment":"positive","sentiment_score":0.5457124352455139},{"text":"Thanks.","start":2253.825,"end":2254.305,"sentiment":"positive","sentiment_score":0.617843747138977},{"text":"See you later.","start":2254.305,"end":2255.025,"sentiment":"positive","sentiment_score":0.4637925128142039}],"sentiment":"positive","sentiment_score":0.6762783919510088,"num_words":19,"start":2247.7449,"end":2255.025},{"sentences":[{"text":"Bye.","start":2255.025,"end":2255.525,"sentiment":"neutral","sentiment_score":-0.07412490248680115}],"sentiment":"neutral","sentiment_score":-0.07412490248680115,"num_words":1,"start":2255.025,"end":2255.525}]}}]},{"alternatives":[{"transcript":"Hello? Is Danielle speaking? I'm good. Thank you. How are you? Yeah. No. It's fine. I do. Yeah. Yeah. Not a problem. Yep. So Danielle Louise Ennis, and my date of birth is the 1994. And address on file, I think it's 47 Gladstone Street, Orbost. Yeah. Okay. That'll be Unit 210 Flinders Street, South South Wales. Is that the one? Yeah. It'd be great if we could update that. It's it's 47 Gladstone Street, Orboss, Victoria. That sounds good. Thank you. Yeah. It has been pretty busy, to be honest. It's kind of just starting to slow down, which is kinda great. Definitely. But yeah. No. It's it's yeah. It's been nice. I'm actually home at the moment, so that's really nice. I've actually got a whole week off, which is kinda hazing. Yeah. That's it. So I'm hanging out with the fam. Kinda nice. It has. Yeah. Sorry. I'm just going through all the classic authentication stuff. I don't wanna do that. Sorry. It's also got all my work emails on it, so it it does a million times. Yeah. So it's just like a signed document link. I just clicked on it. And there it is. Yeah. Yeah. No worries. Awesome. Thank you. Got yeah. Okay. That makes sense. Gotcha. Thank you. Awesome. Thank you. Gotcha. Yeah. Mhmm. Yeah. Mhmm. No. That all looks kinda the same. Oh, thank you. Honestly, that's a work in progress. So hopefully, in, like, six months' time, I can say, yes. We got a Yep. No. I don't think so. Gotcha. Absolutely. That all makes sense. Yep. Yep. Yeah. No worries. Yep. On page 20 now. Oh. Yeah. Yeah. I think so. No. I yeah. I think it's just a little a little bit to wrap that around. Yeah. No worries. Thank you. Yeah. I gotcha. That makes sense. Mhmm. Yeah. That's all good. That that all makes a lot of sense. That's not correct. Great. That makes sense. And I probably wouldn't Awesome. Thank you. Got it. Okay. K. Yeah. A coat. Yeah. I gotcha. Yep. It does. Yeah. Gotcha. That's great. Yes. Mhmm. Yep. Yeah. Gotcha. Okay. Got it. Yeah. That does make sense. Yeah. Awesome. Thank you. Okay. Yep. K. Yeah. Okay. Yeah. Mhmm. Mhmm. Yeah. Yeah. Easy. Thank you. Yeah. That does make sense. There's something other quick file. Yeah. Yeah. That makes sense. Okay. Gotcha. No worries. Yeah. It'll probably you know, like, it's all sounding pretty familiar, but I'll probably just flick through a little bit more to get, like, some of that bigger picture stuff. But no. Thank you. You absolutely smashed it. Alright. Thank you so much. 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Is Danielle speaking? I'm good. Thank you. How are you?\n\nYeah. No. It's fine. I do. Yeah.\n\nYeah. Not a problem. Yep. So Danielle Louise Ennis, and my date of birth is the 1994. And address on file, I think it's 47 Gladstone Street, Orbost.\n\nYeah. Okay. That'll be Unit 210 Flinders Street, South South Wales. Is that the one? Yeah.\n\nIt'd be great if we could update that. It's it's 47 Gladstone Street, Orboss, Victoria. That sounds good. Thank you. Yeah.\n\nIt has been pretty busy, to be honest. It's kind of just starting to slow down, which is kinda great. Definitely. But yeah. No.\n\nIt's it's yeah. It's been nice. I'm actually home at the moment, so that's really nice. I've actually got a whole week off, which is kinda hazing. Yeah.\n\nThat's it. So I'm hanging out with the fam. Kinda nice. It has. Yeah.\n\nSorry. I'm just going through all the classic authentication stuff. I don't wanna do that. Sorry. It's also got all my work emails on it, so it it does a million times.\n\nYeah. So it's just like a signed document link. I just clicked on it. And there it is. Yeah.\n\nYeah. No worries. Awesome. Thank you. Got yeah.\n\nOkay. That makes sense. Gotcha. Thank you. Awesome.\n\nThank you. Gotcha. Yeah. Mhmm. Yeah.\n\nMhmm. No. That all looks kinda the same. Oh, thank you. Honestly, that's a work in progress.\n\nSo hopefully, in, like, six months' time, I can say, yes. We got a Yep. No. I don't think so. Gotcha.\n\nAbsolutely. That all makes sense. Yep. Yep. Yeah.\n\nNo worries. Yep. On page 20 now. Oh. Yeah.\n\nYeah. I think so. No. I yeah. I think it's just a little a little bit to wrap that around.\n\nYeah. No worries. Thank you. Yeah. I gotcha.\n\nThat makes sense. Mhmm. Yeah. That's all good. That that all makes a lot of sense.\n\nThat's not correct. Great. That makes sense. And I probably wouldn't Awesome. Thank you.\n\nGot it. Okay. K. Yeah. A coat.\n\nYeah. I gotcha. Yep. It does. Yeah.\n\nGotcha. That's great. Yes. Mhmm. Yep.\n\nYeah. Gotcha. Okay. Got it. Yeah.\n\nThat does make sense. Yeah. Awesome. Thank you. Okay.\n\nYep. K. Yeah. Okay. Yeah.\n\nMhmm. Mhmm. Yeah. Yeah. Easy.\n\nThank you. Yeah. That does make sense. There's something other quick file. Yeah.\n\nYeah. That makes sense. Okay. Gotcha. No worries.\n\nYeah. It'll probably you know, like, it's all sounding pretty familiar, but I'll probably just flick through a little bit more to get, like, some of that bigger picture stuff. But no. Thank you. You absolutely smashed it.\n\nAlright. Thank you so much. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.005754505284130573},{"text":"Is Danielle speaking?","start":1.1999999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.007988866961871585},{"text":"I'm good.","start":6.3999996,"end":7.04,"sentiment":"positive","sentiment_score":0.5472789108753204},{"text":"Thank you.","start":7.04,"end":7.52,"sentiment":"positive","sentiment_score":0.6274798214435577},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.3660949766635895}],"sentiment":"neutral","sentiment_score":0.31613850007257,"num_words":11,"start":0.79999995,"end":8.34},{"sentences":[{"text":"Yeah.","start":16.205,"end":16.605,"sentiment":"neutral","sentiment_score":0.07083883881568909},{"text":"No.","start":16.605,"end":16.845,"sentiment":"neutral","sentiment_score":0.06335676461458206},{"text":"It's 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is.","start":171.67,"end":181.67,"sentiment":"neutral","sentiment_score":0.033139070961624384},{"text":"Yeah.","start":181.67,"end":182.17,"sentiment":"neutral","sentiment_score":0.02996106818318367}],"sentiment":"neutral","sentiment_score":0.02128446513884946,"num_words":19,"start":167.335,"end":182.17},{"sentences":[{"text":"Yeah.","start":194.34499,"end":194.58499,"sentiment":"neutral","sentiment_score":0.04751566797494888},{"text":"No worries.","start":194.58499,"end":195.405,"sentiment":"neutral","sentiment_score":0.04063022695481777},{"text":"Awesome.","start":219.635,"end":219.95499,"sentiment":"positive","sentiment_score":0.6007751226425171},{"text":"Thank you.","start":219.95499,"end":220.775,"sentiment":"positive","sentiment_score":0.6537248492240906},{"text":"Got yeah.","start":256.79,"end":257.59,"sentiment":"neutral","sentiment_score":0.12068803980946542}],"sentiment":"neutral","sentiment_score":0.2847971278242767,"num_words":8,"start":194.34499,"end":257.59},{"sentences":[{"text":"Okay.","start":257.59,"end":257.83002,"sentiment":"neutral","sentiment_score":0.13981030881404877},{"text":"That makes sense.","start":257.83002,"end":258.81,"sentiment":"neutral","sentiment_score":0.2306485821803411},{"text":"Gotcha.","start":306.82498,"end":307.32498,"sentiment":"neutral","sentiment_score":0.15407836437225342},{"text":"Thank you.","start":307.465,"end":308.205,"sentiment":"positive","sentiment_score":0.39669691026210785},{"text":"Awesome.","start":338.035,"end":338.435,"sentiment":"positive","sentiment_score":0.7448705434799194}],"sentiment":"neutral","sentiment_score":0.31551234796643257,"num_words":8,"start":257.59,"end":338.435},{"sentences":[{"text":"Thank you.","start":338.435,"end":339.24,"sentiment":"positive","sentiment_score":0.7307913303375244},{"text":"Gotcha.","start":377.3,"end":377.8,"sentiment":"neutral","sentiment_score":0.08473193645477295},{"text":"Yeah.","start":377.93997,"end":378.43997,"sentiment":"neutral","sentiment_score":0.1587260514497757},{"text":"Mhmm.","start":428.99,"end":429.49,"sentiment":"neutral","sentiment_score":0.009789947420358658},{"text":"Yeah.","start":436.905,"end":437.405,"sentiment":"neutral","sentiment_score":0.04645983874797821}],"sentiment":"neutral","sentiment_score":0.2935484057913224,"num_words":6,"start":338.435,"end":437.405},{"sentences":[{"text":"Mhmm.","start":456.51,"end":457.01,"sentiment":"neutral","sentiment_score":0.03954873979091644},{"text":"No.","start":467.66498,"end":468.065,"sentiment":"neutral","sentiment_score":-0.2551918625831604},{"text":"That all looks kinda the same.","start":468.065,"end":470.085,"sentiment":"neutral","sentiment_score":-0.21430241068204245},{"text":"Oh, thank you.","start":476.78497,"end":477.685,"sentiment":"positive","sentiment_score":0.5256261030832926},{"text":"Honestly, that's a work in progress.","start":477.745,"end":479.86,"sentiment":"neutral","sentiment_score":0.27436333894729614}],"sentiment":"neutral","sentiment_score":0.1012706327087739,"num_words":17,"start":456.51,"end":479.86},{"sentences":[{"text":"So hopefully, in, like, six months' time, I can say, yes.","start":479.86,"end":482.28,"sentiment":"neutral","sentiment_score":0.32559244470162824},{"text":"We got a Yep.","start":482.34,"end":502.135,"sentiment":"positive","sentiment_score":0.3819984644651413},{"text":"No.","start":512.16003,"end":512.56,"sentiment":"neutral","sentiment_score":-0.2516493499279022},{"text":"I don't think 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around.","start":798.52997,"end":801.43,"sentiment":"neutral","sentiment_score":-0.0048164539397335965}],"sentiment":"neutral","sentiment_score":0.039664826984517274,"num_words":20,"start":783.13495,"end":801.43},{"sentences":[{"text":"Yeah.","start":801.97,"end":802.47,"sentiment":"neutral","sentiment_score":0.09308383613824844},{"text":"No worries.","start":821.575,"end":822.295,"sentiment":"neutral","sentiment_score":0.25389935821294785},{"text":"Thank you.","start":822.295,"end":822.96,"sentiment":"positive","sentiment_score":0.5337385684251785},{"text":"Yeah.","start":864.77997,"end":865.1,"sentiment":"neutral","sentiment_score":0.10363922268152236},{"text":"I gotcha.","start":865.1,"end":865.58,"sentiment":"neutral","sentiment_score":0.12672434002161026}],"sentiment":"neutral","sentiment_score":0.2531809490174055,"num_words":8,"start":801.97,"end":865.58},{"sentences":[{"text":"That makes 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sense.","start":1027.04,"end":1027.76,"sentiment":"neutral","sentiment_score":0.15583937366803488},{"text":"And I probably wouldn't Awesome.","start":1027.76,"end":1064.045,"sentiment":"neutral","sentiment_score":0.082774668186903},{"text":"Thank you.","start":1064.045,"end":1064.8651,"sentiment":"positive","sentiment_score":0.5067290663719177}],"sentiment":"neutral","sentiment_score":0.09101646579802036,"num_words":14,"start":1024.0,"end":1064.8651},{"sentences":[{"text":"Got it.","start":1077.89,"end":1078.63,"sentiment":"neutral","sentiment_score":0.15392041951417923},{"text":"Okay.","start":1117.73,"end":1117.995,"sentiment":"neutral","sentiment_score":0.06853155791759491},{"text":"K.","start":1132.235,"end":1132.735,"sentiment":"neutral","sentiment_score":0.08099731057882309},{"text":"Yeah.","start":1208.325,"end":1208.565,"sentiment":"neutral","sentiment_score":0.10345058143138884},{"text":"A 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no.","start":2216.625,"end":2217.285,"sentiment":"neutral","sentiment_score":-0.04433883726596832},{"text":"Thank you.","start":2217.745,"end":2218.385,"sentiment":"neutral","sentiment_score":0.31870539486408234},{"text":"You absolutely smashed it.","start":2218.385,"end":2220.085,"sentiment":"neutral","sentiment_score":0.30617528408765793}],"sentiment":"neutral","sentiment_score":0.09593164675721996,"num_words":38,"start":2207.64,"end":2220.085},{"sentences":[{"text":"Alright.","start":2245.24,"end":2245.74,"sentiment":"positive","sentiment_score":0.3608417510986328},{"text":"Thank you so much.","start":2246.3599,"end":2247.525,"sentiment":"positive","sentiment_score":0.7509988397359848},{"text":"Thank you.","start":2252.885,"end":2253.625,"sentiment":"positive","sentiment_score":0.6649331152439117}],"sentiment":"positive","sentiment_score":0.6706719057900565,"num_words":7,"start":2245.24,"end":2253.625}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Is Danielle speaking?\n\nChannel 0: Hi, Danielle. It's Dana from Oakview Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to run through your updated recommendations and statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. No. It's fine.\n\nChannel 0: Yep. Beautiful. Do you happen to have access to your emails at the moment as well?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Yep. Perfect. I'll send this document through to you now via email. If you can just pop in there and grab that one, we can go through it, and you can have a look at it altogether. As it is as it is sort of coming through to you, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that moving forward?\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Perfect. And just to do security there with you as well, Danielle, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. So Danielle Louise Ennis, and my date of birth is the 1994. And address on file, I think it's 47 Gladstone Street, Orbost.\n\nChannel 0: I have a different one sitting here at the moment.\n\nChannel 1: Yeah. Okay. That'll be Unit 210 Flinders Street,\n\nChannel 0: Yep.\n\nChannel 1: South South Wales. Is that the one?\n\nChannel 0: Yeah. That's the one I have here at the moment. Yeah. What's the is that the right address we should have here, or should that be updated?\n\nChannel 1: Yeah. It'd be great if we could update that.\n\nChannel 0: Yeah. No. That's okay. What are we updating that one to?\n\nChannel 1: It's it's 47 Gladstone Street, Orboss, Victoria.\n\nChannel 0: Street. No worries. It was Victoria. I believe we had that one in your other file. So that's okay.\n\nNo worries, though. We have had a bit of a system change over the last couple of months, so it could have been that something was dragged over incorrectly. So I can go back and update that for you. It's not an issue.\n\nChannel 1: That sounds good. Thank you.\n\nChannel 0: Then that's okay. Not a problem at all. How's everything been? I know you've been extremely busy with everything going on down there.\n\nChannel 1: Yeah. It has been pretty busy, to be honest.\n\nChannel 0: Yeah.\n\nChannel 1: It's kind of just starting to slow down, which is\n\nChannel 0: Oh,\n\nChannel 1: kinda\n\nChannel 0: that'll\n\nChannel 1: great.\n\nChannel 0: be good. Yeah. That'll be good.\n\nChannel 1: Definitely. But yeah. No. It's it's yeah. It's been nice.\n\nI'm actually home at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: so that's really\n\nChannel 0: Oh, fantastic.\n\nChannel 1: nice.\n\nChannel 0: Nice. Have you got a day off? Are you still working? Or\n\nChannel 1: I've actually got a whole week off, which\n\nChannel 0: oh,\n\nChannel 1: is kinda hazing.\n\nChannel 0: perfect.\n\nChannel 1: Yeah. That's it. So I'm hanging out with the fam. Kinda nice.\n\nChannel 0: Oh, that sounds fantastic. A bit of downtime for you. All good. Now has that email popped through to you as of yet at all?\n\nChannel 1: It has. Yeah. Sorry. I'm just going through\n\nChannel 0: That's\n\nChannel 1: all\n\nChannel 0: okay.\n\nChannel 1: the classic authentication stuff. I don't\n\nChannel 0: That's\n\nChannel 1: wanna do\n\nChannel 0: alright.\n\nChannel 1: that. Sorry. It's also got all my work emails on it, so it it does a million times.\n\nChannel 0: No. You're\n\nChannel 1: Yeah. So it's just like a signed document link. I just clicked on it.\n\nChannel 0: alright. Yeah. So\n\nChannel 1: And there\n\nChannel 0: once it yeah. So you should be able to see that the first document does say, okay, financial statement of advice prepared for yourself, Danielle Innes, as of the 02/11/2026.\n\nChannel 1: it is.\n\nChannel 0: I'm\n\nChannel 1: Yeah.\n\nChannel 0: prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financials sorry, Australian Financial Services license. And my registration number with ASIC is 1304394. Okay.\n\nChannel 1: Yeah. No\n\nChannel 0: Beautiful.\n\nChannel 1: worries.\n\nChannel 0: As you are scrolling through the next couple of pages, it does note the best interest to you. So it is important to note that any advice we do provide as financial advisers is under the corporations back and the best interest duties and making sure that we understand what your goals are, that we are working towards your goals, that we do obtain enough information and do completed research to make sure the advice is appropriate and there and it's been provided in in your best interest. Okay?\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: Perfect. That's okay. As we keep scrolling down, your table of contents is pretty much self explanatory, and we've got the scope of advice there. So late last year, when we sort of caught up, we were looking to maybe see if we could consolidate. There had been some changes with some of the insurance companies, and it looks like you were able to get a bit of a life in TBD so we can hopefully consolidate you.\n\nWe went back and did some really good in-depth research with the insurance companies, and it came back that one was willing to offer life in TBD to you as per your goal. So it means that the advice can be updated, and we can finally, hopefully, get you consolidated so everything is in one place nice and easy for you. Okay?\n\nChannel 1: Got yeah. Okay. That makes sense.\n\nChannel 0: Perfect. So with this advice piece here, we have got superannuation scoped in because your insurance is not currently paid out of your super. It is important that we scope that in. It's also about looking to consolidate so we can be working towards your goal of hopefully being able to access super or retire around age 65 with the aim of generating income of around about $700 per week. We've scoped in the insurance side of things, so we are looking to try and meet your goal.\n\nEssentially, you wanted to have life and TBD that would repay the outstanding mortgage. If anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component. So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you. Okay?\n\nChannel 1: Gotcha. Thank you.\n\nChannel 0: Perfect. The last part is the estate planning. Wanted to make sure that your beneficiaries were correct and up to date. One of the things we talked about was what you wanted to happen in the event of passing prematurely, and you wanted to make sure everything could be passed to your parents. So I have made a recommendation in here under the estate planning side of things to make sure that everything is correctly and tidally is wrapped up.\n\nSo if anything was to happen, everything could be passed to your family members in a timely manner to make it easier on them. Okay?\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: That's alright. The next page does go to out the areas that we're not looking at any additional advice. So we have so savings and budget, you are paying down your mortgage quite comfortably. Didn't need the advice in the area as of yet. However, you are an ongoing client.\n\nSo if you do wanna look at getting advice in the area down the track, let me know. We are here and happy to help. We've also scoped out the income protection and the trauma side. So you do have the income protection with Clearview and trauma with Clearview as well. You are happy with the level of cover you had.\n\nDidn't wanna review or alter that now, so we're not. We'll just scope that after the time being. And as your life changes, we can always look to review those down the track. Okay?\n\nChannel 1: Gotcha. Yeah.\n\nChannel 0: Easy. The next page is the limited advice page. It is just letting you know this is a limited advice document. We go through scoping in and scoping out as to what we are providing advice on and are not. When it comes to the legal side of things, we're not lawyers, so we do refer you to a solicitor for the drafting of any kind of wills or power of attorneys.\n\nThat way everything is done in accordance with the law and all the, you know, either dotted and the t's across nice and easily. Under the Better Advice Act 2021, I am a relevant tax provider. So I can essentially provide you financial advice around tax and tax related issues, and we do that as part of the advice that we do provide. And when it comes to insurances, I don't provide advice around general insurances such as motor home, business liability. Those, we can refer you through to a qualified broker if you require those.\n\nChannel 1: Mhmm.\n\nChannel 0: Otherwise, we sort of look at more personalized insurances like life, safety, income protection, things that affect your personal circumstances. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense? Yep. Perfect. So that's all, like, the logistics out of the way. If you can scroll down to page number seven, this is the about you information.\n\nSo this is all the stuff we had been able to gather on yourself as of the last Fact Find and the last meeting we had, and it has been a little bit of time since then.\n\nChannel 1: Mhmm.\n\nChannel 0: But are you able just to run your eyes over that one for me just to double check everything and let me know if there's been any major changes in your circumstances since we last called up?\n\nChannel 1: No. That all looks kinda the same.\n\nChannel 0: Perfect. Perfect. I mean, I was hoping your income would increase a bit since then. I think you're definitely worth more money.\n\nChannel 1: Oh, thank you. Honestly, that's a work in progress. So hopefully, in, like, six months' time, I can say, yes. We got a\n\nChannel 0: Perfect. Perfect. Perfect. Up the next page, there is your assets and liabilities. So we had down here your main primary residence, your motor vehicle, and your contents.\n\nThe asset values noted were 310,000 for the property, 6,000 for the motor vehicle, and 3,000 for contents insurances. And you did\n\nChannel 1: Yep.\n\nChannel 0: owe about 165 on the mortgage. Hopefully, you owe a little bit less since then. Is there any major changes to any of those that you would maybe alter?\n\nChannel 1: No. I don't think so.\n\nChannel 0: Nope. That's okay. Beautiful. Yeah. And the next page outlines your current superannuation.\n\nSo you do have your aware and your hub 24 at the moment with the current respective balances as of the date of the advice document. And inside aware there, you do have your life, your TBD, and the income protection still currently. You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you. Okay?\n\nChannel 1: Gotcha. Absolutely. That all makes sense.\n\nChannel 0: Yeah. The next page outlines your Clearview policy. So your income protection policy with Clearview there, and then you've also got your trauma policy and your policy was ClearView there, and then you've also got your trauma policy and your trauma plus reinstatement noted as part of the policy and\n\nChannel 1: Yep.\n\nChannel 0: the current amount that you pay for those at the moment. And the next page, if you keep scrolling down, is essentially running through your risk profile. So when we called out, we did double check everything. You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change. Okay?\n\nPerfect. To make this a little bit easier, I'm actually gonna do the advice presentation slightly different for you. We'll start with the insurance side of things because this is kind of the main aspect of your advice phase. So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can go back and have a chat about the the, you know, projection table for you so you got a whole a big\n\nChannel 1: Yep.\n\nChannel 0: yeah. The whole picture, essentially.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Excellent.\n\nChannel 1: Yep. On page 20 now.\n\nChannel 0: Perfect. So this is essentially letting you know that we are making the recommendation to apply for life and TPD through Encompass. So as we kinda spoke about originally, your goal was to make sure with your life and TPD cover that if anything happened to you that you will your TPD cover is probably the main thing there. Making sure that, you know, if you were unable to get back to work due to permanent incapacity, that you could have a $150,000 paid out for potential medical expenses. Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses.\n\nSo we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you. With your occupation, I know ages ago, we did go back and try to do transfer terms and have a look at the option, unfortunately. Your occupation is quite risky when insurers are looking at things. So we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day. And they actually came back and said they were willing to offer cover.\n\nThey\n\nChannel 1: Oh.\n\nChannel 0: yeah. They were willing to offer life MTBD cover, and, essentially, some insured you need to be able to meet your goal is a amount of 655,000. So within Compass, they have rated you as a a firefighter. But, look, they're one of the only insurance companies who are willing to offer under the occupation rating, so we were really happy with that. We are then recommending that you do apply for the life and TBD with the sum insured of $656,155,000 there to be held inside super.\n\nSo you're not having to pay those premiums out of your back pocket. They\n\nChannel 1: Yeah.\n\nChannel 0: are with the TBD offering. This is the standard super occupation, which isn't any occupation definition. So that means in order to be able to claim on TBD, you just have to never be able to go back to work again for any occupation for which you are trained, educated, or have worked. It's the same definition as any other TBD, which is fantastic to note. And then we added the buyback.\n\nSo because we've linked the two policies together for you to make them more cost effective, we add the debt buyback there. The way this works and the way TBD generally works when you do link it to life is that if you are TBD, if they pay out the sum insured, which is great, but then when you've linked the life together, it cancels out the life policy. So within twelve months, they'll actually reinstate that policy, the policy back. So should you pass away later stage, you can still claim on the last policy. This is just a more cost effective way of linking the policies together, so you get a a multi policy discount, essentially, makes the premiums cheaper for you, which has a greater effect on your sleepers, but still make sure you can claim on both of those policies if anything was to happen.\n\nDoes that make sense?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah. That's okay. If you're if it doesn't, you're welcome to let me know. I'm happy to break it down further for you. It's all good.\n\nIs there anything that you wanted me to kinda clarify with that a bit more detail for you?\n\nChannel 1: No. I yeah. I think it's just\n\nChannel 0: Yeah.\n\nChannel 1: a little a little bit to\n\nChannel 0: That's\n\nChannel 1: wrap that around.\n\nChannel 0: okay. That's\n\nChannel 1: Yeah.\n\nChannel 0: alright. It's always a little bit like that when I'm kinda going through and talking to you because, I mean, I know my advice back to front, but you're seeing it for the first time in hearing it. So you do get a a chance before you take on the advice to go back and read the document, then make sure you've, you know, got a good understanding of it all, and let me know if you do find you have any questions there. Okay?\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Perfect. That's okay. Now with this type of cover, it is retail cover. So it does mean that at the beginning of the application, you do go through the same as with your ClearView policy, you do go through an application process where the insurer understands and underwrites the policy so it's tailored to you and your needs. We do estimate the first year's premium to be $511.42 for life and TBD, which would be deducted out if you're sued for that.\n\nYou do get a rebate of 15%. It's a bit like a discount there, but the total amount the insurer actually receives is $601.67. So it's a pity we don't get these discounts all the time, but it is really great to be able to see that you pay a little bit less because it's held inside super. Okay.\n\nChannel 1: Yeah. I gotcha. That makes sense.\n\nChannel 0: Perfect. Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved. So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion. So because of what was disclosed in your pre assessment, we do expect a lot to be offered at standard rates. However, with the TPD, we do expect a lumbar spine exclusion on the policy.\n\nThat essentially\n\nChannel 1: Mhmm.\n\nChannel 0: means that any conditions related to the lump to your previous injury or illness around that area, they will not cover. They maybe can't claim on those sorts of injuries or illnesses. But, essentially, if you were to say have a car accident, they would assess the injury that you've received. So if you have a car accident, you break your back, something happens, they assess the injury and the claim. They'll look at what your previous injuries were, the fact that you have an exclusion there, but they'll also look at whether a reasonable reasonable person without the lumbar spine like, without the lumbar spine exclusion would have still claimed for the same injury.\n\nSo there is a chance for things like car accidents where you still hurt your back, your lower back, that you still can claim because they're looking at what you what the injury or illness was that caused you to have that exclusion in the first place, not so much what has happened here. So there is a chance you can claim on down the track. And if anything changes with the insurers, they sometimes will reassess loadings and exclusions down the track as well. So we can always review that with them further down. But we just wanted to make sure we're open and honest with you.\n\nWe understand the contract that is to be offered, and we understand there would be a lumbar spine exclusion. I apologize. I get a bit tongue tied with some of these things.\n\nChannel 1: Yeah. That's all good. That that all makes a lot of sense.\n\nChannel 0: Yeah. Perfect. The recommendation is still in your best interest even though it does have the exclusion that we expect to have applied. It does mean that you would have a higher level of cover. It essentially means that the cover amount in the event of claiming is there to meet your goal, and this does meet your goal, whereas your current cover is quite low and does decrease over time.\n\nWith the retail covers that we're recommending, these covers actually increase along within indexation. So the idea stations. So the idea is that by having them increase over time, because a $100 this year doesn't equal a $100 next year, that if in the event you do claim in the future, the amount you are gonna get paid is essentially there and is gonna cover the expenditure. And so we don't want it to be eaten away eaten eaten away with inflation. I'm so sorry.\n\nI'm a bit tongue tied this afternoon.\n\nChannel 1: That's not correct. Great. That makes sense. And I probably\n\nChannel 0: Yeah.\n\nChannel 1: wouldn't\n\nChannel 0: Perfect. We are still looking to keep your current t current trauma and IP policy in place so we can review all of these together. It does mean that you would have two different insurers that encompass your life and TPD and clear you with your trauma and income protection policies. However, you have us as your advisers, and we monitor and look after all of it. So if you had to make a claim, we're the ones that would help you facilitate that between yourself and the insurer to make it easily easier on yourself and your family.\n\nSo having different insurers doesn't normally cause too much of an issue. Okay?\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: That's okay. So now if I can get you to scroll back to page number 13 for me. This is essentially the projection table. Now that you sort of understand the insurances, it makes a lot more sense there.\n\nChannel 1: Got it.\n\nChannel 0: Yep. Perfect. So you'll see here we've got your current scenario where you've got your Aware Super with your current balance and also your Hub 24 with the balance as well. Underneath that, you are paying within both of the funds, the administration fees, investment fees, and any other fees applicable there, and your ongoing service fees for being our client and being onboard and having us look after everything for you. At the moment, your contributions are going into Aware, and you've got your insurance premiums being deducted out of both funds.\n\nSo part out of Aware, so your current life, CPD, and income protection there, and then you've got your other income protection policy paid out of hub twenty four through ClearView there. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Between the two funds, you are still in a high growth portfolio, and the five year rolling average so when we look at how the two funds and the investments within those have performed over the last five years, they're averaging about 14.44%. Okay?\n\nChannel 1: K.\n\nChannel 0: If we do sort of look at the funds, how they have performed, and if the market did perform the same way over the next five years, we can show a project that you could end up with 208,207 in five years or 338,453 over the next ten years, which isn't a bad amount at all. What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass. That means that we actually can, once that has been applied for, consolidate. Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well. And then the life and TPD, the everything is all in one place.\n\nYou've got your Encompass life and TPD, their income protection through Clearview, and it's all paid out as a one fund, and your contributions can go into the one fund as well. By consolidating, we essentially do understand that the administration fees are slightly lower, so you would save about $17 for the first year, which is fantastic. The investment fees as well would be reduced by having one fund fee for the first year. You'd save about $24 on those. Only small savings, but when you keep that money in your super fund compounding towards your retirement goals, it can make a big difference over the longer term there for you.\n\nOkay?\n\nChannel 1: Yeah. A coat.\n\nChannel 0: Yeah. With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there. Our ongoing service fee, as you're aware, is 1.65% per annum. It is deducted in smaller monthly increments on a regular basis. So and that's the fee for our providing our services.\n\nIt also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well. Okay?\n\nChannel 1: Yeah. I gotcha.\n\nChannel 0: Perfect. All your contributions can then go into Hub 24 as well. So everything's in one place and the total. So with your income protection policy you have plus the new policy within Compass, this would be the total. The $2,468 would be the total paid for your insurances there.\n\nIt is slightly more than what you are paying between the two funds by about $46. However, it's all in one place and makes it much more manageable. And when your contributions are going in as well as your insurance premiums coming out all in one fund, it's a more manageable, but it's easier to make sure things are coming up to growth as well. Okay? Does that all make sense so far?\n\nYeah.\n\nChannel 1: Yep. It\n\nChannel 0: Perfect. Within the portfolio that we are still keeping in a high growth portfolio, so\n\nChannel 1: does.\n\nChannel 0: you're still invested in line with your risk profile. And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined. It's been averaging about 16.93% on a on a yearly basis there. I do I do honestly don't expect you to get that every year moving forward, but if the state of funds did perform the same way as they had and we were able to obtain that kind of performance over the longer term, in the next five years, you could end up with 236,431, and over the next ten years, up to 445,374. So by being all in one fund, having everything consolidated together, it can put you in a better position, and the past performance on this portfolio is greater than what the past performance on the previous one had also.\n\nOkay?\n\nChannel 1: Yeah. Gotcha. That's\n\nChannel 0: Perfect.\n\nChannel 1: great.\n\nChannel 0: No worries. If I can get you to scroll down for me sorry. I'm losing my voice a little bit there. Just down to page number 36. This is the investment profile.\n\nSo you will see the top of that. We actually have the number of $231 there in the top corner. We have made some slight changes to your investment profile, which is kinda giving you the better return there. But sorry. $252 is the safety show consequence.\n\nBut the reason we needed to make some changes to your investment profile was that in your current super fund, you've actually got Bennelong Australian Equities. Now Bennelong is your Australian equity component. They were there as more of a value kind of investor that were giving you a bit of active management when you came on board. They have been really, really good up until sort of the end of last year. And around about November, December, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market that had been released to the market.\n\nIt meant that Better Long and Corporate Travel had been reinvested sorry, reevaluated as an investment pro investment option, and it meant that we had to go back and re reevaluate them in your portfolio as well. They have shown a little bit of a negative return over the past couple of months and sort of affected most people's portfolios just slightly. You only\n\nChannel 1: Yes.\n\nChannel 0: have a small amount in there. It's only about 10.6% of your portfolio is in Bennelong,\n\nChannel 1: Mhmm.\n\nChannel 0: but we are wanting to sell you completely out of that. And to keep your Australian equities component, on the bottom of that table, you'll see Affinity Australian shares.\n\nChannel 1: Yep.\n\nChannel 0: Got the ticket number PAM001AU.\n\nChannel 1: Yeah.\n\nChannel 0: So Alfiniti haven't had the same issue. They don't hold the same investments there as Van Alon. So we are gonna swap you out of Van Alon, get rid of them because they're underperforming and Alfiniti Australian shares. To give you a little bit of detail, they essentially followed the or tracked the benchmark, the S and PAS 300 accumulation index. Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities.\n\nSo it's giving you the same level of exposure, but it has performed greater. And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well. Okay.\n\nChannel 1: Gotcha. Okay.\n\nChannel 0: Perfect. So once we kind of move everything over and with the portfolio that has provided that greater return, once we complete the switch of the investments, you'll end up with some Global X battery and lithium test. You'll have about 7% there. Some bank hybrids, you'll have about 7% in there. Some China, we're keeping that in there.\n\nYou'll have about 7% in there. Some physical gold, which is showing great returns in everyone's portfolios over the last twelve months, which is really great. And you'll you'll keep about 7% in there as well. You'll also have some beta shares cybersecurity in there. We're keeping that in the profile.\n\nAnd then also some S and P 500, so giving you exposure to The US market. That is probably your highest asset allocation. We have about 30% in there, and that is because over the long term, the, you know, into international markets and especially US do perform really, really well. So we wanna keep the exposure there. We\n\nChannel 1: Got\n\nChannel 0: also,\n\nChannel 1: it.\n\nChannel 0: yeah, all good. We also keep the VanEck property Australian property exposure at about 5%. You have the Raffi Aussie 200. It's at 15. It's giving you exposure to the top 200 companies on the ASX, which is great.\n\nAnd then also giving you the Alfiniti Australian shares. They're giving you greater exposure to Australian shares. So between the S and P 500 and the Australian ASX exposure, we have about 30% in each. That is generally your highest asset allocation, and then everything else is kind of lower to spread the risk levels. Does that make sense?\n\nChannel 1: Yeah. That does\n\nChannel 0: Yeah. Cool. You probably wanna go back and have a little bit of a read of those. But if you find you have any questions around the pro the portfolio, the profile that we're putting you\n\nChannel 1: make\n\nChannel 0: in, or any of the investments,\n\nChannel 1: sense.\n\nChannel 0: you're welcome to come back and let me know. I'm more than happy to take you through a deeper dive if that's what you'd like. Okay?\n\nChannel 1: Yeah. Awesome. Thank you.\n\nChannel 0: That's okay. The next page just shows you kind of the changes because we are making some changes to your investments there. The next page sort of shows you the changes in the asset allocation and what we sort of expect to see here. At the moment with your risk profile, as we noted, you are a high growth investor, and you have the time for that high growth investors are happy to keep their money generally invested for about eight to ten years, and you're still so young. You've got a lot of time ahead of you before you turn 60 and can access deeper.\n\nSo we generally see about 90% in growth investments, and those things like Australian equities, international equities, Australian property, and international property. And then you also see about 10% in defensive investments, such Australian and international fixed interest and Australian cash and international cash there as well. We do also make sure to have a alternative asset allocation. It's not noted in the risk profile there, but we do add it in. Alternative assets tend to work in different ways.\n\nSo, like, we have a bit of physical gold recommended in your portfolio, and you have some at the moment. Physical gold is a growth investment, but given different time frames and the way markets can react, gold can also be seen as a defensive investment. So it sort of works both ways for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So with the existing profile, with the way you are currently invested between your Aware Super and Hub 24, with the Aware Super and Hub 24, with the growth investments, you have about 78.5% in growth investments and about 20.5% in defensive investments and 1% in alternatives there. With what we're proposing, the changes that we're making to your your portfolio, it essentially means you'll increase your growth exposure by about 88 sorry. 288.1%. It's increasing by 1.9% there.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: then we're gonna decrease your defensive position by that 5.1%. So you'll have about 4.9% invested there and then adding a higher amount of alternatives. So you'll have 7% in alternatives, meaning you have physical gold and some the VanEck property there. So you've got a bit of a a different assets that kind of mitigate the long term market flow, but investments that work both ways that are both gonna be growth and defensive in nature depending on what the per the portfolio and the market do and how things react. Does that make sense?\n\nChannel 1: K. Yeah.\n\nChannel 0: Yeah. Perfect. I will let you go back and have a bit of a read through that. You've also got the advantages, disadvantages, and the risks involved there. Essentially, the benefits here are by moving and consolidating into one fund, you don't have to have two funds.\n\nIt does lower your overall expenses a little bit, so you do save on your investment fees and your administration fees. Having one fund is in best interest because all your money is together. And when we look at the way investing works over longer term, more money makes more money. So having it all in one place is easier to manage for you, but it can also provide a greater effect on your long term goals as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. The last part of the recommendation is the estate planning side of things. So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative. So the way this essentially works is because you wanted to nominate your mom and dad if anything was to happen, under legislation, they actually can't be nominated as a beneficiary, the legislation states. So it has to be either a spouse, a child, a financial dependent, someone who relies on you for live everyday living expenses, or an interdependent relationship for someone who lives with you and, again, relies on you for day to day living.\n\nYou pay all their bills, essentially. So, unfortunately, under the legislation, it does mean that your parents don't meet that definition. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: And we have at the moment, we do have your dad there, and he's noted on your super as spouse. Unfortunately, that's the way I have 24. I've noted it. So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund. And in the event that something was to happen, you just need to make sure your will is updated to reflect that.\n\nSo speak to a solicitor, have a will in place noting what you want to happen to your super and life proceeds in the event of passing. And\n\nChannel 1: Mhmm.\n\nChannel 0: if you were to pass away, then your dad could contact us. We would help with the claim because it would have LPR or legal personal representative noted on your super fund. The super fund will pay everything to your estate, and then it would all be distributed as per the wishes in your bill. With the way things are currently, because your dad is nominated then, it says spouse. If he was to make a claim on your super as it is, the everything would go through to the super fund.\n\nThe trustee would look at it, but they would come back and say that the nomination is declined. Unfortunately, the definition isn't met, and they would decline to pay the funds, which can put a bit\n\nChannel 1: Mhmm.\n\nChannel 0: more stress and strain on your family. But then it would be up to the trustee to go and find who then to make the payment to. It can take a much longer process, and it has to go through a bit of a probate process. So having the beneficiary nominated correctly can make the whole thing much easier. In saying that, we certainly hope that nothing happens and that you get to retirement and you can use all this money yourself.\n\nChannel 1: Yeah.\n\nChannel 0: So I am gonna recommend that we update the beneficiary nomination, and our lovely admin team can help fill it out for you. So that way, you can just have it signed and witnessed to make it easier. We are still recommending a binding, non lapsing nomination, which binds the trustee to follow the direction that is made. And non lapsing means you don't have to keep filling out beneficiary forms every couple of years. It would just stay in place for you until your circumstances change.\n\nOkay?\n\nChannel 1: Yeah. Easy. Thank you.\n\nChannel 0: That's okay. The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well. And having a power of attorney is also really important as well, Noting if anything was to happen to you and you were unable to make decisions on your behalf that you had chosen someone, and they know what your wishes are. Something that we do in this the industry see quite regularly where if something happens, someone's in hospital, they're unable to make decisions, and the enduring power of attorney is set up and it's put in place. So somebody else has to make decisions for that person, and they're not always made in accordance with the with the with the principal's wishes, which can be really, really difficult.\n\nSo it is definitely worth seeking the services of a solicitor and having your will and power of attorney drawn up correctly so that everything that you want to happen, that your wishes are adhered to. Does that make sense?\n\nChannel 1: Yeah. That does make sense. There's something other\n\nChannel 0: Beautiful.\n\nChannel 1: quick file.\n\nChannel 0: No. That's okay. It's honestly fine. The only other thing to kinda go through is that as I went through before, you are an ongoing service client. So it does mean that there's no upfront implementation fees for the advice.\n\nIt is all provided to you under the ongoing service agreement. Essentially, we estimate that the total paid ongoing for the year is about $3,781. That's for the insurances and the super. For the super only, how much we expect to be paid is 2,104. When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company.\n\nSo we receive remuneration from them for the recommendations. It has no reflect on what we recommend whatsoever. However, we do receive the remuneration. On new policies, we do receive 66% of the first year's premium and then 22% there ongoing. And with Clearview, we do currently receive 22% ongoing of the premiums as well.\n\nBut as I kinda went through before, everything we do has to be in your best interest and here to meet your goals. So whilst we like to disclose the remuneration that we do receive, it has no effect in our recommendations. Everything I recommend has to be right to you. Okay?\n\nChannel 1: Yeah. Yeah. That makes\n\nChannel 0: Perfect.\n\nChannel 1: sense.\n\nChannel 0: Perfect. I know that is a lot to go through. I'm happy to let you go back, have a bit of a read through everything, run your eyes over the advantages, disadvantages, risks involved. Let me know if you do happen to have any questions there. If you decide you do wanna go ahead with the recommendations there, let us know.\n\nWe'll get you to sign and return the document back, and then we'll book you in with our lovely admin team. They'll go through the insurance application for you. Once that is in place, then we'll complete the final rollover out of the where and get your contributions moved over, and that'll cancel the insurances. I wouldn't do any of that until we get the Encompass insurance in place first. It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. All good. I also just wanted to let you know as well, like, having a look at your super funds, so as part of the documents here, we do have the new ongoing service agreement attached there for you to the DocuSign. Once you've gone through the statement of advice, the next document attached is the insurance quote, which runs you through what we've quoted and the ongoing service agreement as well. So if you're happy to say over the next twelve months, we'll get you to sign and return that one back.\n\nBut your super fund within Hub twenty four for the last twelve months, you have also received a positive return of 7.96 percent. So your current portfolio has been performing quite well. The return is quite good for where you are. It is a little bit low for where I'd expect a high growth investor to be receiving, and that is because Bennelong has pulled your returns back a little bit than seen as it's down since sort of November, December. But so that's kind of why we've made that recommendation and that investment switch for you.\n\nOkay?\n\nChannel 1: Gotcha. No worries.\n\nChannel 0: Aviso, do you have any questions? Do you wanna ask me anything at the moment?\n\nChannel 1: Yeah. It'll probably you know, like, it's all sounding pretty familiar, but I'll probably just\n\nChannel 0: Yeah.\n\nChannel 1: flick through a little bit more to get, like, some of that bigger picture stuff. But no. Thank you.\n\nChannel 0: Absolutely.\n\nChannel 1: You absolutely\n\nChannel 0: That's\n\nChannel 1: smashed\n\nChannel 0: okay.\n\nChannel 1: it.\n\nChannel 0: Oh, thank you. Thank you so much for your time. I know you're busy, so I really appreciate you taking the the few minutes of oh, sorry, the twenty minutes to run through this with me. I'll let you go back to run your eyes over it, maybe go have a cup of tea and take a breather. And then when you've got some time, come back and have a really good read to the document, and let me know if there's any questions whatsoever.\n\nThere is no such thing as a silly question. If it comes to mind and you wanna ask it, you let me know. Okay?\n\nChannel 1: Alright. Thank you so much.\n\nChannel 0: Aw. Thank you so much, Danielle. You have a lovely afternoon. I'll talk to you soon.\n\nChannel 1: Thank you.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.005754505284130573},{"text":"Is Danielle speaking?","start":1.1999999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.007988866961871585}],"sentiment":"neutral","sentiment_score":0.0074302765424363315,"channel":1,"num_words":4,"start":0.79999995,"end":2.1799998},{"sentences":[{"text":"Hi, Danielle.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.09205268695950508},{"text":"It's Dana from Oakview Financial.","start":3.6,"end":5.12,"sentiment":"neutral","sentiment_score":0.1429744243621826},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21678102612495423}],"sentiment":"neutral","sentiment_score":0.1652402188628912,"channel":0,"num_words":12,"start":2.96,"end":6.2599998},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":7.04,"sentiment":"positive","sentiment_score":0.5472789108753204},{"text":"Thank you.","start":7.04,"end":7.52,"sentiment":"positive","sentiment_score":0.6274798214435577},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.3660949766635895}],"sentiment":"positive","sentiment_score":0.4925431992326464,"channel":1,"num_words":7,"start":6.3999996,"end":8.34},{"sentences":[{"text":"I'm very well.","start":8.48,"end":9.44,"sentiment":"positive","sentiment_score":0.5939784248669943},{"text":"Thank you.","start":9.44,"end":10.08,"sentiment":"positive","sentiment_score":0.6780146956443787},{"text":"I had you booked in just to run through your updated recommendations and statement of advice.","start":10.08,"end":13.92,"sentiment":"positive","sentiment_score":0.3795194514095783},{"text":"Is now still a good time there for you?","start":13.92,"end":15.94,"sentiment":"neutral","sentiment_score":0.3092123236921098}],"sentiment":"positive","sentiment_score":0.3997728933890661,"channel":0,"num_words":30,"start":8.48,"end":15.94},{"sentences":[{"text":"Yeah.","start":16.205,"end":16.605,"sentiment":"neutral","sentiment_score":0.07083883881568909},{"text":"No.","start":16.605,"end":16.845,"sentiment":"neutral","sentiment_score":0.06335676461458206},{"text":"It's fine.","start":16.845,"end":17.505,"sentiment":"neutral","sentiment_score":0.12847309559583664}],"sentiment":"neutral","sentiment_score":0.0977854486554861,"channel":1,"num_words":4,"start":16.205,"end":17.505},{"sentences":[{"text":"Yep.","start":17.015,"end":17.515,"sentiment":"neutral","sentiment_score":0.21590006351470947},{"text":"Beautiful.","start":17.815,"end":18.295,"sentiment":"positive","sentiment_score":0.39744412899017334},{"text":"Do you happen to have access to your emails at the moment as well?","start":18.295,"end":21.595001,"sentiment":"neutral","sentiment_score":0.1043983908104045}],"sentiment":"neutral","sentiment_score":0.12968260399065912,"channel":0,"num_words":16,"start":17.015,"end":21.595001},{"sentences":[{"text":"I do.","start":21.965,"end":22.605,"sentiment":"neutral","sentiment_score":0.10228053480386734},{"text":"Yeah.","start":22.605,"end":23.105,"sentiment":"neutral","sentiment_score":0.13791042566299438}],"sentiment":"neutral","sentiment_score":0.11415716509024303,"channel":1,"num_words":3,"start":21.965,"end":23.105},{"sentences":[{"text":"Yep.","start":23.175,"end":23.575,"sentiment":"neutral","sentiment_score":0.22808539867401123},{"text":"Perfect.","start":23.575,"end":24.075,"sentiment":"positive","sentiment_score":0.4807388484477997},{"text":"I'll send this document through to you now via email.","start":24.295,"end":27.175,"sentiment":"positive","sentiment_score":0.33827057778835296},{"text":"If you can just pop in there and grab that one, we can go through it, and you can have a look at it altogether.","start":27.175,"end":31.195,"sentiment":"neutral","sentiment_score":0.286358802318573},{"text":"As it is as it is sort of coming through to you, just to let you know, we do record our calls for quality and training purposes.","start":32.35,"end":37.87,"sentiment":"neutral","sentiment_score":0.20965961504865577}],"sentiment":"neutral","sentiment_score":0.26423921389505267,"channel":0,"num_words":64,"start":23.175,"end":37.87},{"sentences":[{"text":"Are you happy for me to proceed with that moving forward?","start":37.87,"end":40.21,"sentiment":"positive","sentiment_score":0.34642613475972955}],"sentiment":"positive","sentiment_score":0.34642613475972955,"channel":0,"num_words":11,"start":37.87,"end":40.21},{"sentences":[{"text":"Yeah.","start":40.44,"end":40.84,"sentiment":"neutral","sentiment_score":0.1404159963130951},{"text":"Not a problem.","start":40.84,"end":41.66,"sentiment":"neutral","sentiment_score":0.22919265429178873}],"sentiment":"neutral","sentiment_score":0.20699848979711533,"channel":1,"num_words":4,"start":40.44,"end":41.66},{"sentences":[{"text":"Perfect.","start":42.11,"end":42.43,"sentiment":"positive","sentiment_score":0.36831241846084595},{"text":"And just to do security there with you as well, Danielle, we are discussing your personal information.","start":42.43,"end":46.51,"sentiment":"neutral","sentiment_score":0.17452985574217403},{"text":"So just get you to confirm your full name, your date of birth, and address I should have on file.","start":46.51,"end":50.635,"sentiment":"neutral","sentiment_score":0.12600696198642253}],"sentiment":"neutral","sentiment_score":0.15409103173174357,"channel":0,"num_words":38,"start":42.11,"end":50.635},{"sentences":[{"text":"Yep.","start":50.955,"end":51.355,"sentiment":"neutral","sentiment_score":0.036352381110191345},{"text":"So Danielle Louise Ennis, and my date of birth is the 1994.","start":51.355,"end":56.79,"sentiment":"neutral","sentiment_score":0.03728369406114022},{"text":"And address on file, I think it's 47 Gladstone Street, Orbost.","start":57.75,"end":61.13,"sentiment":"neutral","sentiment_score":0.020296166735616596}],"sentiment":"neutral","sentiment_score":0.029458939330652356,"channel":1,"num_words":24,"start":50.955,"end":61.13},{"sentences":[{"text":"I have a different one sitting here at the moment.","start":61.989998,"end":64.25,"sentiment":"neutral","sentiment_score":-0.014474138896912337}],"sentiment":"neutral","sentiment_score":-0.014474138896912337,"channel":0,"num_words":10,"start":61.989998,"end":64.25},{"sentences":[{"text":"Yeah.","start":64.71,"end":65.11,"sentiment":"neutral","sentiment_score":0.010035404935479164},{"text":"Okay.","start":65.11,"end":65.61,"sentiment":"neutral","sentiment_score":0.011419016867876053},{"text":"That'll be Unit 210 Flinders Street,","start":65.75,"end":69.53,"sentiment":"neutral","sentiment_score":0.015013867057859898}],"sentiment":"neutral","sentiment_score":0.013942203018814325,"channel":1,"num_words":8,"start":64.71,"end":69.53},{"sentences":[{"text":"Yep.","start":70.07,"end":70.57,"sentiment":"neutral","sentiment_score":0.016124200075864792}],"sentiment":"neutral","sentiment_score":0.016124200075864792,"channel":0,"num_words":1,"start":70.07,"end":70.57},{"sentences":[{"text":"South South Wales.","start":70.15501,"end":71.195,"sentiment":"neutral","sentiment_score":0.009784967017670473},{"text":"Is that the one?","start":71.195,"end":72.015,"sentiment":"neutral","sentiment_score":0.011872992850840092}],"sentiment":"neutral","sentiment_score":0.01097812463662454,"channel":1,"num_words":7,"start":70.15501,"end":72.015},{"sentences":[{"text":"Yeah.","start":71.685,"end":72.005,"sentiment":"neutral","sentiment_score":0.015094316564500332},{"text":"That's the one I have here at the moment.","start":72.005,"end":73.525,"sentiment":"neutral","sentiment_score":0.017130673966474004},{"text":"Yeah.","start":73.525,"end":73.924995,"sentiment":"neutral","sentiment_score":0.01622607931494713},{"text":"What's the is that the right address we should have here, or should that be updated?","start":73.924995,"end":77.384995,"sentiment":"neutral","sentiment_score":0.0075029000581707805}],"sentiment":"neutral","sentiment_score":0.011316402315127629,"channel":0,"num_words":27,"start":71.685,"end":77.384995},{"sentences":[{"text":"Yeah.","start":77.675,"end":77.995,"sentiment":"neutral","sentiment_score":0.02133098989725113},{"text":"It'd be great if we could update that.","start":77.995,"end":79.775,"sentiment":"neutral","sentiment_score":0.05497685773298144}],"sentiment":"neutral","sentiment_score":0.051238427973455854,"channel":1,"num_words":9,"start":77.675,"end":79.775},{"sentences":[{"text":"Yeah.","start":79.924995,"end":80.325,"sentiment":"neutral","sentiment_score":-0.0029470231384038925},{"text":"No.","start":80.325,"end":80.485,"sentiment":"neutral","sentiment_score":-0.03350742533802986},{"text":"That's okay.","start":80.485,"end":81.205,"sentiment":"neutral","sentiment_score":-0.014223189558833838},{"text":"What are we updating that one to?","start":81.205,"end":83.065,"sentiment":"neutral","sentiment_score":-0.001301796973815986}],"sentiment":"neutral","sentiment_score":-0.006728491491892121,"channel":0,"num_words":11,"start":79.924995,"end":83.065},{"sentences":[{"text":"It's it's 47 Gladstone Street, Orboss, Victoria.","start":83.56,"end":88.299995,"sentiment":"neutral","sentiment_score":0.010818294249475002}],"sentiment":"neutral","sentiment_score":0.010818294249475002,"channel":1,"num_words":7,"start":83.56,"end":88.299995},{"sentences":[{"text":"Street.","start":89.2,"end":89.7,"sentiment":"neutral","sentiment_score":0.016858747228980064},{"text":"No worries.","start":90.32,"end":91.3,"sentiment":"neutral","sentiment_score":0.021021918393671513},{"text":"It was Victoria.","start":92.4,"end":93.38,"sentiment":"neutral","sentiment_score":0.006487892319758733},{"text":"I believe we had that one in your other file.","start":93.44,"end":95.12,"sentiment":"neutral","sentiment_score":0.005337178148329258},{"text":"So that's okay.","start":95.12,"end":95.84,"sentiment":"neutral","sentiment_score":0.0628431203464667}],"sentiment":"neutral","sentiment_score":0.01685617913148905,"channel":0,"num_words":19,"start":89.2,"end":95.84},{"sentences":[{"text":"No worries, though.","start":95.84,"end":96.479996,"sentiment":"neutral","sentiment_score":-0.037135034799575806},{"text":"We have had a bit of a system change over the last couple of months, so it could have been that something was dragged over incorrectly.","start":96.479996,"end":102.045,"sentiment":"neutral","sentiment_score":-0.14894353655668405},{"text":"So I can go back and update that for you.","start":102.045,"end":103.805,"sentiment":"neutral","sentiment_score":0.008200791105628014},{"text":"It's not an issue.","start":103.805,"end":104.784996,"sentiment":"neutral","sentiment_score":0.3306407555937767}],"sentiment":"neutral","sentiment_score":-0.05998525863816572,"channel":0,"num_words":43,"start":95.84,"end":104.784996},{"sentences":[{"text":"That sounds good.","start":104.755,"end":105.555,"sentiment":"positive","sentiment_score":0.7900347312291464},{"text":"Thank 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me know if there's been any major changes in your circumstances since we last called up?","start":456.76498,"end":465.345,"sentiment":"neutral","sentiment_score":0.007046026353900497}],"sentiment":"neutral","sentiment_score":0.007046026353900497,"channel":0,"num_words":37,"start":456.76498,"end":465.345},{"sentences":[{"text":"No.","start":467.66498,"end":468.065,"sentiment":"neutral","sentiment_score":-0.2551918625831604},{"text":"That all looks kinda the same.","start":468.065,"end":470.085,"sentiment":"neutral","sentiment_score":-0.21430241068204245}],"sentiment":"neutral","sentiment_score":-0.22014376095363072,"channel":1,"num_words":7,"start":467.66498,"end":470.085},{"sentences":[{"text":"Perfect.","start":470.7,"end":471.2,"sentiment":"positive","sentiment_score":0.4672038555145264},{"text":"Perfect.","start":471.34,"end":471.84,"sentiment":"positive","sentiment_score":0.519727349281311},{"text":"I mean, I was hoping your income would increase a bit since 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a","start":482.34,"end":483.06,"sentiment":"positive","sentiment_score":0.5135731895764669}],"sentiment":"positive","sentiment_score":0.36283890449482464,"channel":1,"num_words":23,"start":476.78497,"end":483.06},{"sentences":[{"text":"Perfect.","start":484.63498,"end":484.955,"sentiment":"positive","sentiment_score":0.5456652641296387},{"text":"Perfect.","start":484.955,"end":485.455,"sentiment":"positive","sentiment_score":0.5465450882911682},{"text":"Perfect.","start":485.91498,"end":486.41498,"sentiment":"positive","sentiment_score":0.4158257842063904},{"text":"Up the next page, there is your assets and liabilities.","start":487.595,"end":489.995,"sentiment":"neutral","sentiment_score":0.08231613859534263},{"text":"So we had down here your main primary residence, your motor vehicle, and your 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mortgage.","start":501.78003,"end":504.1,"sentiment":"neutral","sentiment_score":-0.12456279620528221},{"text":"Hopefully, you owe a little bit less since then.","start":504.1,"end":506.36002,"sentiment":"neutral","sentiment_score":-0.1107635638780064},{"text":"Is there any major changes to any of those that you would maybe alter?","start":506.795,"end":510.335,"sentiment":"neutral","sentiment_score":-0.10608963029725212}],"sentiment":"neutral","sentiment_score":-0.11136219573432002,"channel":0,"num_words":29,"start":501.78003,"end":510.335},{"sentences":[{"text":"No.","start":512.16003,"end":512.56,"sentiment":"neutral","sentiment_score":-0.2516493499279022},{"text":"I don't think 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hub 24 at the moment with the current respective balances as of the date of the advice document.","start":519.03503,"end":525.27,"sentiment":"neutral","sentiment_score":0.07939196965442254},{"text":"And inside aware there, you do have your life, your TBD, and the income protection still currently.","start":525.73004,"end":530.47003,"sentiment":"neutral","sentiment_score":0.06605520822546061},{"text":"You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you.","start":530.69,"end":541.635,"sentiment":"neutral","sentiment_score":0.07039741394110025},{"text":"Okay?","start":541.635,"end":542.135,"sentiment":"neutral","sentiment_score":0.10682400315999983}],"sentiment":"neutral","sentiment_score":0.07273631323395031,"channel":0,"num_words":84,"start":519.03503,"end":542.135},{"sentences":[{"text":"Gotcha.","start":542.38995,"end":542.88995,"sentiment":"neutral","sentiment_score":0.2191351354122162},{"text":"Absolutely.","start":543.02997,"end":543.52997,"sentiment":"positive","sentiment_score":0.5704630613327026},{"text":"That all makes sense.","start":543.58997,"end":544.73,"sentiment":"positive","sentiment_score":0.5064340606331825}],"sentiment":"positive","sentiment_score":0.46922240654627484,"channel":1,"num_words":6,"start":542.38995,"end":544.73},{"sentences":[{"text":"Yeah.","start":544.995,"end":545.495,"sentiment":"neutral","sentiment_score":0.28533804416656494},{"text":"The next page outlines your Clearview 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page, if you keep scrolling down, is essentially running through your risk profile.","start":560.47003,"end":564.31,"sentiment":"neutral","sentiment_score":0.029779547126963735},{"text":"So when we called out, we did double check everything.","start":564.31,"end":566.495,"sentiment":"neutral","sentiment_score":0.08190759643912315},{"text":"You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change.","start":566.495,"end":579.315,"sentiment":"neutral","sentiment_score":0.10802157276443072},{"text":"Okay?","start":579.375,"end":579.875,"sentiment":"neutral","sentiment_score":0.15564340353012085}],"sentiment":"neutral","sentiment_score":0.08389261565171183,"channel":0,"num_words":80,"start":557.67,"end":579.875},{"sentences":[{"text":"Perfect.","start":581.42004,"end":581.92004,"sentiment":"positive","sentiment_score":0.507718563079834},{"text":"To make this a little bit easier, I'm actually gonna do the advice presentation slightly different for you.","start":582.86,"end":589.34,"sentiment":"neutral","sentiment_score":0.2263688842455546},{"text":"We'll start with the insurance side of things because this is kind of the main aspect of your advice phase.","start":589.34,"end":594.435,"sentiment":"neutral","sentiment_score":0.15567555762827395},{"text":"So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can 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now.","start":611.36505,"end":613.145,"sentiment":"neutral","sentiment_score":0.2425648495554924}],"sentiment":"neutral","sentiment_score":0.2623456120491028,"channel":1,"num_words":5,"start":610.885,"end":613.145},{"sentences":[{"text":"Perfect.","start":614.14,"end":614.62,"sentiment":"positive","sentiment_score":0.532680869102478},{"text":"So this is essentially letting you know that we are making the recommendation to apply for life and TPD through Encompass.","start":614.62,"end":620.8,"sentiment":"neutral","sentiment_score":0.3222375568889436},{"text":"So as we kinda spoke about originally, your goal was to make sure with your life and TPD cover that if anything happened to you that you will your TPD cover is probably the main thing there.","start":621.215,"end":631.155,"sentiment":"neutral","sentiment_score":0.23183304635254112},{"text":"Making sure that, you know, if you were unable to get back to work due to permanent incapacity, that you could have a $150,000 paid out for potential medical expenses.","start":631.375,"end":639.76996,"sentiment":"neutral","sentiment_score":-0.12118475772440433},{"text":"Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses.","start":640.39,"end":649.20996,"sentiment":"neutral","sentiment_score":0.13965353112796258}],"sentiment":"neutral","sentiment_score":0.1380669656762127,"channel":0,"num_words":118,"start":614.14,"end":649.20996},{"sentences":[{"text":"So we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you.","start":649.26996,"end":657.245,"sentiment":"neutral","sentiment_score":0.22186042175248818},{"text":"With your occupation, I know ages ago, we did go back and try to do transfer terms and have a look at the option, unfortunately.","start":657.94495,"end":663.96497,"sentiment":"neutral","sentiment_score":-0.05954194277524948},{"text":"Your occupation is quite risky when insurers are looking at things.","start":664.22003,"end":667.42004,"sentiment":"negative","sentiment_score":-0.3721705377101898},{"text":"So we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day.","start":667.42004,"end":678.045,"sentiment":"neutral","sentiment_score":0.06957914245625337},{"text":"And they actually came back and said they were willing to offer 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happen.","start":766.985,"end":781.60004,"sentiment":"positive","sentiment_score":0.44648899475358567}],"sentiment":"neutral","sentiment_score":0.20808449700074708,"channel":0,"num_words":149,"start":739.185,"end":781.60004},{"sentences":[{"text":"Does that make sense?","start":781.60004,"end":782.66003,"sentiment":"neutral","sentiment_score":0.1510971486568451}],"sentiment":"neutral","sentiment_score":0.1510971486568451,"channel":0,"num_words":4,"start":781.60004,"end":782.66003},{"sentences":[{"text":"Yeah.","start":783.13495,"end":783.45496,"sentiment":"neutral","sentiment_score":0.18886816501617432},{"text":"I think so.","start":783.45496,"end":784.435,"sentiment":"neutral","sentiment_score":0.23700465758641562}],"sentiment":"neutral","sentiment_score":0.22497053444385529,"channel":1,"num_words":4,"start":783.13495,"end":784.435},{"sentences":[{"text":"Yeah.","start":784.4,"end":784.9,"sentiment":"neutral","sentiment_score":0.26582372188568115},{"text":"That's 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to","start":799.25,"end":800.61,"sentiment":"neutral","sentiment_score":-0.00521504149461786}],"sentiment":"neutral","sentiment_score":-0.00521504149461786,"channel":1,"num_words":6,"start":799.25,"end":800.61},{"sentences":[{"text":"That's","start":800.55,"end":800.95,"sentiment":"neutral","sentiment_score":-0.011654872447252274}],"sentiment":"neutral","sentiment_score":-0.011654872447252274,"channel":0,"num_words":1,"start":800.55,"end":800.95},{"sentences":[{"text":"wrap that around.","start":800.61,"end":801.43,"sentiment":"neutral","sentiment_score":0.004409791280825933}],"sentiment":"neutral","sentiment_score":0.004409791280825933,"channel":1,"num_words":3,"start":800.61,"end":801.43},{"sentences":[{"text":"okay.","start":800.95,"end":801.45,"sentiment":"neutral","sentiment_score":0.08146172761917114},{"text":"That's","start":801.67,"end":801.99,"sentiment":"neutral","sentiment_score":0.08463164418935776}],"sentiment":"neutral","sentiment_score":0.08304668590426445,"channel":0,"num_words":2,"start":800.95,"end":801.99},{"sentences":[{"text":"Yeah.","start":801.97,"end":802.47,"sentiment":"neutral","sentiment_score":0.09308383613824844}],"sentiment":"neutral","sentiment_score":0.09308383613824844,"channel":1,"num_words":1,"start":801.97,"end":802.47},{"sentences":[{"text":"alright.","start":801.99,"end":802.49,"sentiment":"neutral","sentiment_score":0.12176984548568726},{"text":"It's always a little bit like that when I'm kinda going through and talking to you because, I mean, I know my advice back to front, but you're seeing it for the first time in hearing it.","start":802.55,"end":810.07,"sentiment":"neutral","sentiment_score":0.0844658482316378},{"text":"So you do get a a chance before you take on the advice to go back and read the document, then make sure you've, you know, got a good understanding of it all, and let me know if you do find you have any questions there.","start":810.07,"end":820.705,"sentiment":"neutral","sentiment_score":0.16901495680212975},{"text":"Okay?","start":820.705,"end":821.205,"sentiment":"neutral","sentiment_score":0.1234058067202568}],"sentiment":"neutral","sentiment_score":0.13111882411381778,"channel":0,"num_words":85,"start":801.99,"end":821.205},{"sentences":[{"text":"No worries.","start":821.575,"end":822.295,"sentiment":"neutral","sentiment_score":0.25389935821294785},{"text":"Thank you.","start":822.295,"end":822.96,"sentiment":"positive","sentiment_score":0.5337385684251785}],"sentiment":"positive","sentiment_score":0.3938189633190632,"channel":1,"num_words":4,"start":821.575,"end":822.96},{"sentences":[{"text":"Perfect.","start":822.945,"end":823.445,"sentiment":"positive","sentiment_score":0.5735237002372742},{"text":"That's okay.","start":823.505,"end":824.325,"sentiment":"neutral","sentiment_score":0.32875098288059235},{"text":"Now with this type of cover, it is retail cover.","start":824.8,"end":827.2,"sentiment":"neutral","sentiment_score":0.10981536135077477},{"text":"So it does mean that at the beginning of the application, you do go through the same as with your ClearView policy, you do go through an application process where the insurer understands and underwrites the policy so it's tailored to you and your needs.","start":827.2,"end":838.9,"sentiment":"neutral","sentiment_score":0.20709236645036275},{"text":"We do estimate the first year's premium to be $511.42 for life and TBD, which would be deducted out if you're sued for that.","start":839.255,"end":847.275,"sentiment":"neutral","sentiment_score":0.19186969815442959}],"sentiment":"neutral","sentiment_score":0.19820986006681512,"channel":0,"num_words":82,"start":822.945,"end":847.275},{"sentences":[{"text":"You do get a rebate of 15%.","start":847.335,"end":849.255,"sentiment":"neutral","sentiment_score":0.2770211675337383},{"text":"It's a bit like a discount there, but the total amount the insurer actually receives is $601.67.","start":849.255,"end":856.4,"sentiment":"neutral","sentiment_score":0.19140279062968843},{"text":"So it's a pity we don't get these discounts all the time, but it is really great to be able to see that you pay a little bit less because it's held inside super.","start":856.4,"end":864.18,"sentiment":"neutral","sentiment_score":0.2701525008853744},{"text":"Okay.","start":864.32,"end":864.82,"sentiment":"neutral","sentiment_score":0.08297473192214966}],"sentiment":"neutral","sentiment_score":0.24510432839772459,"channel":0,"num_words":59,"start":847.335,"end":864.82},{"sentences":[{"text":"Yeah.","start":864.77997,"end":865.1,"sentiment":"neutral","sentiment_score":0.10363922268152236},{"text":"I gotcha.","start":865.1,"end":865.58,"sentiment":"neutral","sentiment_score":0.12672434002161026},{"text":"That makes sense.","start":865.58,"end":866.48,"sentiment":"neutral","sentiment_score":0.30666859944661456}],"sentiment":"neutral","sentiment_score":0.2128489501774311,"channel":1,"num_words":6,"start":864.77997,"end":866.48},{"sentences":[{"text":"Perfect.","start":866.775,"end":867.275,"sentiment":"positive","sentiment_score":0.5149087905883789},{"text":"Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved.","start":868.215,"end":874.79504,"sentiment":"neutral","sentiment_score":-0.10696851867048637},{"text":"So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion.","start":874.85504,"end":886.09,"sentiment":"neutral","sentiment_score":-0.11605686683426886},{"text":"So because of what was disclosed in your pre assessment, we do expect a lot to be offered at standard rates.","start":886.79004,"end":893.38495,"sentiment":"neutral","sentiment_score":-0.12406244377295177},{"text":"However, with the TPD, we do expect a lumbar spine exclusion on the policy.","start":893.38495,"end":898.20496,"sentiment":"neutral","sentiment_score":-0.2589013097541673}],"sentiment":"neutral","sentiment_score":-0.1303358093224546,"channel":0,"num_words":93,"start":866.775,"end":898.20496},{"sentences":[{"text":"That essentially","start":898.505,"end":899.245,"sentiment":"neutral","sentiment_score":-0.2658800780773163}],"sentiment":"neutral","sentiment_score":-0.2658800780773163,"channel":0,"num_words":2,"start":898.505,"end":899.245},{"sentences":[{"text":"Mhmm.","start":898.835,"end":899.335,"sentiment":"neutral","sentiment_score":-0.25097396969795227}],"sentiment":"neutral","sentiment_score":-0.25097396969795227,"channel":1,"num_words":1,"start":898.835,"end":899.335},{"sentences":[{"text":"means that any conditions related to the lump to your previous injury or illness around that area, they will not cover.","start":899.305,"end":907.18005,"sentiment":"neutral","sentiment_score":-0.2757034848133723},{"text":"They maybe can't claim on those sorts of injuries or illnesses.","start":907.18005,"end":909.98004,"sentiment":"neutral","sentiment_score":-0.30117669024250726},{"text":"But, essentially, if you were to say have a car accident, they would assess the injury that you've received.","start":909.98004,"end":915.34,"sentiment":"neutral","sentiment_score":-0.13613664045145638},{"text":"So if you have a car accident, you break your back, something happens, they assess the injury and the claim.","start":915.34,"end":920.4,"sentiment":"neutral","sentiment_score":-0.13011388964951037},{"text":"They'll look at what your previous injuries were, the fact that you have an exclusion there, but they'll also look at whether a reasonable reasonable person without the lumbar spine like, without the lumbar spine exclusion would have still claimed for the same injury.","start":920.665,"end":935.405,"sentiment":"neutral","sentiment_score":-0.1364752392877232}],"sentiment":"neutral","sentiment_score":-0.1764913153389226,"channel":0,"num_words":115,"start":899.305,"end":935.405},{"sentences":[{"text":"So there is a chance for things like car accidents where you still hurt your back, your lower back, that you still can claim because they're looking at what you what the injury or illness was that caused you to have that exclusion in the first place, not so much what has happened here.","start":935.79,"end":950.03503,"sentiment":"neutral","sentiment_score":-0.17471685784834404},{"text":"So there is a chance you can claim on down the track.","start":950.335,"end":952.755,"sentiment":"neutral","sentiment_score":0.01201982827236255},{"text":"And if anything changes with the insurers, they sometimes will reassess loadings and exclusions down the track as well.","start":952.895,"end":958.655,"sentiment":"neutral","sentiment_score":-0.046492265439347216},{"text":"So we can always review that with them further down.","start":958.655,"end":961.31,"sentiment":"neutral","sentiment_score":-0.005245441943407059},{"text":"But we just wanted to make sure we're open and honest with you.","start":961.31,"end":963.97003,"sentiment":"neutral","sentiment_score":0.030749306082725525}],"sentiment":"neutral","sentiment_score":-0.09098647100230058,"channel":0,"num_words":108,"start":935.79,"end":963.97003},{"sentences":[{"text":"We understand the contract that is to be offered, and we understand there would be a lumbar spine exclusion.","start":964.27,"end":969.23,"sentiment":"neutral","sentiment_score":-0.14570986675588707},{"text":"I apologize.","start":969.23,"end":969.89,"sentiment":"neutral","sentiment_score":-0.1420866772532463},{"text":"I get a bit tongue tied with some of these things.","start":969.95,"end":972.05,"sentiment":"neutral","sentiment_score":-0.3162269497459585}],"sentiment":"neutral","sentiment_score":-0.20409866468980908,"channel":0,"num_words":32,"start":964.27,"end":972.05},{"sentences":[{"text":"Yeah.","start":972.42,"end":972.92,"sentiment":"neutral","sentiment_score":0.24109774827957153},{"text":"That's all good.","start":972.98,"end":973.62,"sentiment":"positive","sentiment_score":0.5125114917755127},{"text":"That that all makes a lot of sense.","start":973.62,"end":975.8,"sentiment":"positive","sentiment_score":0.4889707677066326}],"sentiment":"positive","sentiment_score":0.47419986377159756,"channel":1,"num_words":12,"start":972.42,"end":975.8},{"sentences":[{"text":"Yeah.","start":975.96497,"end":976.46497,"sentiment":"positive","sentiment_score":0.371956080198288},{"text":"Perfect.","start":976.685,"end":977.185,"sentiment":"positive","sentiment_score":0.5716900825500488},{"text":"The recommendation is still in your best interest even though it does have the exclusion that we expect to have applied.","start":978.605,"end":984.545,"sentiment":"neutral","sentiment_score":0.09190141409635544},{"text":"It does mean that you would have a higher level of cover.","start":984.685,"end":987.425,"sentiment":"neutral","sentiment_score":0.13998556012908617},{"text":"It essentially means that the cover amount in the event of claiming is there to meet your goal, and this does meet your goal, whereas your current cover is quite low and does decrease over time.","start":987.8,"end":997.72,"sentiment":"neutral","sentiment_score":0.1316365615154306}],"sentiment":"neutral","sentiment_score":0.13087772950530052,"channel":0,"num_words":71,"start":975.96497,"end":997.72},{"sentences":[{"text":"With the retail covers that we're recommending, these covers actually increase along within indexation.","start":997.72,"end":1001.55994,"sentiment":"neutral","sentiment_score":0.09605266685996737},{"text":"So the idea stations.","start":1001.55994,"end":1002.475,"sentiment":"neutral","sentiment_score":0.12769272178411484},{"text":"So the idea is that by having them increase over time, because a $100 this year doesn't equal a $100 next year, that if in the event you do claim in the future, the amount you are gonna get paid is essentially there and is gonna cover the expenditure.","start":1002.475,"end":1017.54,"sentiment":"neutral","sentiment_score":0.1731566546522841},{"text":"And so we don't want it to be eaten away eaten eaten away with inflation.","start":1017.83997,"end":1021.3,"sentiment":"neutral","sentiment_score":-0.08901193374767899},{"text":"I'm so sorry.","start":1021.36,"end":1022.0,"sentiment":"neutral","sentiment_score":-0.21100418269634247}],"sentiment":"neutral","sentiment_score":0.09849403231569073,"channel":0,"num_words":85,"start":997.72,"end":1022.0},{"sentences":[{"text":"I'm a bit tongue tied this afternoon.","start":1022.0,"end":1023.45996,"sentiment":"neutral","sentiment_score":-0.3112427890300751}],"sentiment":"neutral","sentiment_score":-0.3112427890300751,"channel":0,"num_words":7,"start":1022.0,"end":1023.45996},{"sentences":[{"text":"That's not correct.","start":1024.0,"end":1025.14,"sentiment":"neutral","sentiment_score":-0.3033553312222163},{"text":"Great.","start":1026.72,"end":1027.04,"sentiment":"neutral","sentiment_score":0.2894469201564789},{"text":"That makes sense.","start":1027.04,"end":1027.76,"sentiment":"neutral","sentiment_score":0.15583937366803488},{"text":"And I probably","start":1027.76,"end":1028.48,"sentiment":"neutral","sentiment_score":-0.01540648564696312}],"sentiment":"neutral","sentiment_score":-0.019932040944695473,"channel":1,"num_words":10,"start":1024.0,"end":1028.48},{"sentences":[{"text":"Yeah.","start":1028.395,"end":1028.895,"sentiment":"neutral","sentiment_score":-0.042874664068222046}],"sentiment":"neutral","sentiment_score":-0.042874664068222046,"channel":0,"num_words":1,"start":1028.395,"end":1028.895},{"sentences":[{"text":"wouldn't","start":1028.48,"end":1028.98,"sentiment":"neutral","sentiment_score":-0.06756292283535004}],"sentiment":"neutral","sentiment_score":-0.06756292283535004,"channel":1,"num_words":1,"start":1028.48,"end":1028.98},{"sentences":[{"text":"Perfect.","start":1029.3551,"end":1029.8551,"sentiment":"neutral","sentiment_score":-0.055197227746248245},{"text":"We are still looking to keep your current t current trauma and IP policy in place so we can review all of these together.","start":1030.875,"end":1038.735,"sentiment":"neutral","sentiment_score":-0.014686842914670706},{"text":"It does mean that you would have two different insurers that encompass your life and TPD and clear you with your trauma and income protection policies.","start":1038.98,"end":1045.9601,"sentiment":"neutral","sentiment_score":0.019093193400364656},{"text":"However, you have us as your advisers, and we monitor and look after all of it.","start":1046.34,"end":1050.02,"sentiment":"neutral","sentiment_score":0.11370297498069704},{"text":"So if you had to make a claim, we're the ones that would help you facilitate that between yourself and the insurer to make it easily easier on yourself and your family.","start":1050.02,"end":1058.905,"sentiment":"neutral","sentiment_score":0.23103647702373564}],"sentiment":"neutral","sentiment_score":0.09395107510264473,"channel":0,"num_words":99,"start":1029.3551,"end":1058.905},{"sentences":[{"text":"So having different insurers doesn't normally cause too much of an issue.","start":1058.905,"end":1062.765,"sentiment":"neutral","sentiment_score":-0.0049831367408235865},{"text":"Okay?","start":1062.8251,"end":1063.3251,"sentiment":"neutral","sentiment_score":0.17468881607055664}],"sentiment":"neutral","sentiment_score":0.008837782706205662,"channel":0,"num_words":13,"start":1058.905,"end":1063.3251},{"sentences":[{"text":"Awesome.","start":1063.5651,"end":1064.045,"sentiment":"positive","sentiment_score":0.5276557207107544},{"text":"Thank you.","start":1064.045,"end":1064.8651,"sentiment":"positive","sentiment_score":0.5067290663719177}],"sentiment":"positive","sentiment_score":0.5137046178181967,"channel":1,"num_words":3,"start":1063.5651,"end":1064.8651},{"sentences":[{"text":"That's okay.","start":1065.0801,"end":1065.9801,"sentiment":"neutral","sentiment_score":0.2796836644411087},{"text":"So now if I can get you to scroll back to page number 13 for me.","start":1066.28,"end":1069.56,"sentiment":"neutral","sentiment_score":0.12109071994200349},{"text":"This is essentially the projection table.","start":1069.56,"end":1071.4,"sentiment":"neutral","sentiment_score":0.13496080537637076},{"text":"Now that you sort of understand the insurances, it makes a lot more sense there.","start":1071.4,"end":1075.3401,"sentiment":"neutral","sentiment_score":0.21419782936573029}],"sentiment":"neutral","sentiment_score":0.16716797745380646,"channel":0,"num_words":39,"start":1065.0801,"end":1075.3401},{"sentences":[{"text":"Got it.","start":1077.89,"end":1078.63,"sentiment":"neutral","sentiment_score":0.15392041951417923}],"sentiment":"neutral","sentiment_score":0.15392041951417923,"channel":1,"num_words":2,"start":1077.89,"end":1078.63},{"sentences":[{"text":"Yep.","start":1079.025,"end":1079.525,"sentiment":"neutral","sentiment_score":0.20031851530075073},{"text":"Perfect.","start":1079.585,"end":1080.085,"sentiment":"neutral","sentiment_score":0.32787370681762695},{"text":"So you'll see here we've got your current scenario where you've got your Aware Super with your current balance and also your Hub 24 with the balance as well.","start":1080.705,"end":1088.245,"sentiment":"neutral","sentiment_score":0.15452177411523357},{"text":"Underneath that, you are paying within both of the funds, the administration fees, investment fees, and any other fees applicable there, and your ongoing service fees for being our client and being onboard and having us look after everything for you.","start":1088.465,"end":1100.1599,"sentiment":"neutral","sentiment_score":0.12280965278424867},{"text":"At the moment, your contributions are going into Aware, and you've got your insurance premiums being deducted out of both funds.","start":1100.7,"end":1106.5651,"sentiment":"neutral","sentiment_score":0.14515695756389982}],"sentiment":"neutral","sentiment_score":0.14078296284361552,"channel":0,"num_words":93,"start":1079.025,"end":1106.5651},{"sentences":[{"text":"So part out of Aware, so your current life, CPD, and income protection there, and then you've got your other income protection policy paid out of hub twenty four through ClearView there.","start":1106.5651,"end":1116.725,"sentiment":"neutral","sentiment_score":0.16160188033245504},{"text":"Okay?","start":1116.725,"end":1117.225,"sentiment":"neutral","sentiment_score":0.04691383987665176}],"sentiment":"neutral","sentiment_score":0.15812648516712766,"channel":0,"num_words":33,"start":1106.5651,"end":1117.225},{"sentences":[{"text":"Okay.","start":1117.73,"end":1117.995,"sentiment":"neutral","sentiment_score":0.06853155791759491}],"sentiment":"neutral","sentiment_score":0.06853155791759491,"channel":1,"num_words":1,"start":1117.73,"end":1117.995},{"sentences":[{"text":"Between the two funds, you are still in a high growth portfolio, and the five year rolling average so when we look at how the two funds and the investments within those have performed over the last five years, they're averaging about 14.44%.","start":1118.65,"end":1130.99,"sentiment":"neutral","sentiment_score":0.15157041438790256},{"text":"Okay?","start":1131.2051,"end":1131.7051,"sentiment":"neutral","sentiment_score":0.04987011477351189}],"sentiment":"neutral","sentiment_score":0.14925904394212094,"channel":0,"num_words":44,"start":1118.65,"end":1131.7051},{"sentences":[{"text":"K.","start":1132.235,"end":1132.735,"sentiment":"neutral","sentiment_score":0.08099731057882309}],"sentiment":"neutral","sentiment_score":0.08099731057882309,"channel":1,"num_words":1,"start":1132.235,"end":1132.735},{"sentences":[{"text":"If we do sort of look at the funds, how they have performed, and if the market did perform the same way over the next five years, we can show a project that you could end up with 208,207 in five years or 338,453 over the next ten years, which isn't a bad amount at all.","start":1132.245,"end":1150.41,"sentiment":"neutral","sentiment_score":0.24018959275313786},{"text":"What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass.","start":1151.03,"end":1158.01,"sentiment":"neutral","sentiment_score":0.16002062140476137},{"text":"That means that we actually can, once that has been applied for, consolidate.","start":1158.0701,"end":1161.53,"sentiment":"neutral","sentiment_score":0.2380872219800949},{"text":"Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well.","start":1161.965,"end":1169.265,"sentiment":"positive","sentiment_score":0.35603460559138544},{"text":"And then the life and TPD, the everything is all in one place.","start":1169.725,"end":1173.72,"sentiment":"positive","sentiment_score":0.3397830128669739}],"sentiment":"neutral","sentiment_score":0.2610484434435001,"channel":0,"num_words":130,"start":1132.245,"end":1173.72},{"sentences":[{"text":"You've got your Encompass life and TPD, their income protection through Clearview, and it's all paid out as a one fund, and your contributions can go into the one fund as well.","start":1173.7999,"end":1182.7,"sentiment":"neutral","sentiment_score":0.27756565622985363},{"text":"By consolidating, we essentially do understand that the administration fees are slightly lower, so you would save about $17 for the first year, which is fantastic.","start":1183.24,"end":1192.155,"sentiment":"positive","sentiment_score":0.5604758468958048},{"text":"The investment fees as well would be reduced by having one fund fee for the first year.","start":1193.015,"end":1197.015,"sentiment":"positive","sentiment_score":0.4899665204917683},{"text":"You'd save about $24 on those.","start":1197.015,"end":1199.22,"sentiment":"positive","sentiment_score":0.5719408392906189},{"text":"Only small savings, but when you keep that money in your super fund compounding towards your retirement goals, it can make a big difference over the longer term there for you.","start":1199.38,"end":1207.62,"sentiment":"positive","sentiment_score":0.6733357839045986}],"sentiment":"positive","sentiment_score":0.5007942696767194,"channel":0,"num_words":112,"start":1173.7999,"end":1207.62},{"sentences":[{"text":"Okay?","start":1207.62,"end":1208.12,"sentiment":"neutral","sentiment_score":0.1562119871377945}],"sentiment":"neutral","sentiment_score":0.1562119871377945,"channel":0,"num_words":1,"start":1207.62,"end":1208.12},{"sentences":[{"text":"Yeah.","start":1208.325,"end":1208.565,"sentiment":"neutral","sentiment_score":0.10345058143138884},{"text":"A coat.","start":1208.565,"end":1209.225,"sentiment":"neutral","sentiment_score":0.017597941681742668}],"sentiment":"neutral","sentiment_score":0.04621548826495806,"channel":1,"num_words":3,"start":1208.325,"end":1209.225},{"sentences":[{"text":"Yeah.","start":1209.5399,"end":1210.0399,"sentiment":"neutral","sentiment_score":0.04081326723098755},{"text":"With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there.","start":1210.5,"end":1216.875,"sentiment":"neutral","sentiment_score":0.055178806355053726},{"text":"Our ongoing service fee, as you're aware, is 1.65% per annum.","start":1216.875,"end":1220.655,"sentiment":"neutral","sentiment_score":0.07241695814511993},{"text":"It is deducted in smaller monthly increments on a regular basis.","start":1220.715,"end":1224.155,"sentiment":"neutral","sentiment_score":0.08767383071509274},{"text":"So and that's the fee for our providing our services.","start":1224.155,"end":1226.9551,"sentiment":"neutral","sentiment_score":0.14679351970553398}],"sentiment":"neutral","sentiment_score":0.08152147057381544,"channel":0,"num_words":55,"start":1209.5399,"end":1226.9551},{"sentences":[{"text":"It also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well.","start":1226.9551,"end":1234.22,"sentiment":"neutral","sentiment_score":0.1377837087797082},{"text":"Okay?","start":1234.22,"end":1234.72,"sentiment":"neutral","sentiment_score":0.06827649474143982}],"sentiment":"neutral","sentiment_score":0.134887574861447,"channel":0,"num_words":24,"start":1226.9551,"end":1234.72},{"sentences":[{"text":"Yeah.","start":1235.455,"end":1235.6951,"sentiment":"neutral","sentiment_score":0.1094050481915474},{"text":"I gotcha.","start":1235.6951,"end":1236.275,"sentiment":"neutral","sentiment_score":0.2514040991663933}],"sentiment":"neutral","sentiment_score":0.20407108217477798,"channel":1,"num_words":3,"start":1235.455,"end":1236.275},{"sentences":[{"text":"Perfect.","start":1236.7,"end":1237.2,"sentiment":"positive","sentiment_score":0.681640088558197},{"text":"All your contributions can then go into Hub 24 as well.","start":1237.82,"end":1240.86,"sentiment":"positive","sentiment_score":0.4686162607236342},{"text":"So everything's in one place and the total.","start":1240.86,"end":1243.395,"sentiment":"positive","sentiment_score":0.41720329225063324},{"text":"So with your income protection policy you have plus the new policy within Compass, this would be the total.","start":1243.395,"end":1249.155,"sentiment":"positive","sentiment_score":0.35761916480566325},{"text":"The $2,468 would be the total paid for your insurances there.","start":1249.155,"end":1254.3551,"sentiment":"positive","sentiment_score":0.3559220866723494}],"sentiment":"positive","sentiment_score":0.3976790475845337,"channel":0,"num_words":50,"start":1236.7,"end":1254.3551},{"sentences":[{"text":"It is slightly more than what you are paying between the two funds by about $46.","start":1254.3551,"end":1258.58,"sentiment":"neutral","sentiment_score":0.3188335560262203},{"text":"However, it's all in one place and makes it much more manageable.","start":1258.7999,"end":1262.1,"sentiment":"positive","sentiment_score":0.5185400992631912},{"text":"And when your contributions are going in as well as your insurance premiums coming out all in one fund, it's a more manageable, but it's easier to make sure things are coming up to growth as well.","start":1262.4,"end":1271.925,"sentiment":"positive","sentiment_score":0.3775744136120822},{"text":"Okay?","start":1272.0651,"end":1272.385,"sentiment":"neutral","sentiment_score":0.11755268275737762},{"text":"Does that all make sense so far?","start":1272.385,"end":1274.005,"sentiment":"neutral","sentiment_score":0.13829776857580459}],"sentiment":"positive","sentiment_score":0.361365869233053,"channel":0,"num_words":73,"start":1254.3551,"end":1274.005},{"sentences":[{"text":"Yeah.","start":1274.0651,"end":1274.5651,"sentiment":"neutral","sentiment_score":0.15234504640102386}],"sentiment":"neutral","sentiment_score":0.15234504640102386,"channel":0,"num_words":1,"start":1274.0651,"end":1274.5651},{"sentences":[{"text":"Yep.","start":1274.245,"end":1274.64,"sentiment":"neutral","sentiment_score":0.212857723236084},{"text":"It","start":1274.64,"end":1275.14,"sentiment":"neutral","sentiment_score":0.31556805968284607}],"sentiment":"neutral","sentiment_score":0.264212891459465,"channel":1,"num_words":2,"start":1274.245,"end":1275.14},{"sentences":[{"text":"Perfect.","start":1275.985,"end":1276.485,"sentiment":"positive","sentiment_score":0.4550530314445496},{"text":"Within the portfolio that we are still keeping in a high growth portfolio, so","start":1277.5851,"end":1281.5851,"sentiment":"neutral","sentiment_score":0.2984647090945925}],"sentiment":"neutral","sentiment_score":0.30890393058458965,"channel":0,"num_words":15,"start":1275.985,"end":1281.5851},{"sentences":[{"text":"does.","start":1281.4275,"end":1281.9275,"sentiment":"neutral","sentiment_score":0.3041176199913025}],"sentiment":"neutral","sentiment_score":0.3041176199913025,"channel":1,"num_words":1,"start":1281.4275,"end":1281.9275},{"sentences":[{"text":"you're still invested in line with your risk profile.","start":1281.5851,"end":1284.24,"sentiment":"neutral","sentiment_score":0.28902732994821334},{"text":"And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined.","start":1284.7,"end":1296.72,"sentiment":"neutral","sentiment_score":0.3232508959869544},{"text":"It's been averaging about 16.93% on a on a yearly basis there.","start":1297.0751,"end":1301.735,"sentiment":"neutral","sentiment_score":0.30989233031868935},{"text":"I do I do honestly don't expect you to get that every year moving forward, but if the state of funds did perform the same way as they had and we were able to obtain that kind of performance over the longer term, in the next five years, you could end up with 236,431, and over the next ten years, up to 445,374.","start":1302.355,"end":1321.63,"sentiment":"neutral","sentiment_score":0.24156967411556887},{"text":"So by being all in one fund, having everything consolidated together, it can put you in a better position, and the past performance on this portfolio is greater than what the past performance on the previous one had also.","start":1321.63,"end":1333.625,"sentiment":"positive","sentiment_score":0.48277468024156034}],"sentiment":"neutral","sentiment_score":0.32706973702886943,"channel":0,"num_words":159,"start":1281.5851,"end":1333.625},{"sentences":[{"text":"Okay?","start":1333.8451,"end":1334.3451,"sentiment":"neutral","sentiment_score":0.11694274842739104}],"sentiment":"neutral","sentiment_score":0.11694274842739104,"channel":0,"num_words":1,"start":1333.8451,"end":1334.3451},{"sentences":[{"text":"Yeah.","start":1334.295,"end":1334.795,"sentiment":"neutral","sentiment_score":0.09153713285923004},{"text":"Gotcha.","start":1334.855,"end":1335.355,"sentiment":"neutral","sentiment_score":0.059694740921258926},{"text":"That's","start":1335.79,"end":1336.11,"sentiment":"positive","sentiment_score":0.5038912892341614}],"sentiment":"neutral","sentiment_score":0.21837438767155012,"channel":1,"num_words":3,"start":1334.295,"end":1336.11},{"sentences":[{"text":"Perfect.","start":1336.005,"end":1336.505,"sentiment":"positive","sentiment_score":0.6598460674285889}],"sentiment":"positive","sentiment_score":0.6598460674285889,"channel":0,"num_words":1,"start":1336.005,"end":1336.505},{"sentences":[{"text":"great.","start":1336.11,"end":1336.61,"sentiment":"positive","sentiment_score":0.6355313062667847}],"sentiment":"positive","sentiment_score":0.6355313062667847,"channel":1,"num_words":1,"start":1336.11,"end":1336.61},{"sentences":[{"text":"No worries.","start":1337.285,"end":1338.1051,"sentiment":"neutral","sentiment_score":0.1640884429216385},{"text":"If I can get you to scroll down for me sorry.","start":1338.885,"end":1341.625,"sentiment":"neutral","sentiment_score":0.0061244563284245405},{"text":"I'm losing my voice a little bit there.","start":1342.12,"end":1343.8999,"sentiment":"negative","sentiment_score":-0.3391940612345934},{"text":"Just down to page number 36.","start":1344.0399,"end":1346.2,"sentiment":"neutral","sentiment_score":-0.009578694899876913},{"text":"This is the investment profile.","start":1346.2,"end":1347.64,"sentiment":"neutral","sentiment_score":-0.004775888100266456}],"sentiment":"neutral","sentiment_score":-0.07497994357254356,"channel":0,"num_words":32,"start":1337.285,"end":1347.64},{"sentences":[{"text":"So you will see the top of that.","start":1347.64,"end":1349.0,"sentiment":"neutral","sentiment_score":0.016317011089995503},{"text":"We actually have the number of $231 there in the top corner.","start":1349.0,"end":1353.1799,"sentiment":"neutral","sentiment_score":0.015331558107088009},{"text":"We have made some slight changes to your investment profile, which is kinda giving you the better return there.","start":1353.5599,"end":1359.7151,"sentiment":"neutral","sentiment_score":0.02759201138427383},{"text":"But sorry.","start":1359.7151,"end":1360.355,"sentiment":"neutral","sentiment_score":-0.04104161635041237},{"text":"$252 is the safety show consequence.","start":1360.355,"end":1363.415,"sentiment":"neutral","sentiment_score":-0.031229862322409947}],"sentiment":"neutral","sentiment_score":0.012112778631296563,"channel":0,"num_words":47,"start":1347.64,"end":1363.415},{"sentences":[{"text":"But the reason we needed to make some changes to your investment profile was that in your current super fund, you've actually got Bennelong Australian Equities.","start":1364.995,"end":1371.795,"sentiment":"neutral","sentiment_score":-0.016709853778593242},{"text":"Now Bennelong is your Australian equity component.","start":1371.795,"end":1374.48,"sentiment":"neutral","sentiment_score":0.0002849856058933905},{"text":"They were there as more of a value kind of investor that were giving you a bit of active management when you came on board.","start":1374.54,"end":1380.24,"sentiment":"neutral","sentiment_score":-0.03395269706845284},{"text":"They have been really, really good up until sort of the end of last year.","start":1380.2999,"end":1383.74,"sentiment":"neutral","sentiment_score":-0.22836918731530506},{"text":"And around about November, December, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market that had been released to the market.","start":1383.74,"end":1392.915,"sentiment":"negative","sentiment_score":-0.3764984789821837}],"sentiment":"neutral","sentiment_score":-0.14872275467962026,"channel":0,"num_words":100,"start":1364.995,"end":1392.915},{"sentences":[{"text":"It meant that Better Long and Corporate Travel had been reinvested sorry, reevaluated as an investment pro investment option, and it meant that we had to go back and re reevaluate them in your portfolio as well.","start":1392.915,"end":1406.76,"sentiment":"neutral","sentiment_score":-0.2820321957807283},{"text":"They have shown a little bit of a negative return over the past couple of months and sort of affected most people's portfolios just slightly.","start":1406.9801,"end":1413.4,"sentiment":"negative","sentiment_score":-0.4540940010547638},{"text":"You only","start":1413.78,"end":1414.26,"sentiment":"neutral","sentiment_score":-0.06352948024868965}],"sentiment":"negative","sentiment_score":-0.3424156286055222,"channel":0,"num_words":64,"start":1392.915,"end":1414.26},{"sentences":[{"text":"Yes.","start":1414.055,"end":1414.555,"sentiment":"neutral","sentiment_score":-0.034222573041915894}],"sentiment":"neutral","sentiment_score":-0.034222573041915894,"channel":1,"num_words":1,"start":1414.055,"end":1414.555},{"sentences":[{"text":"have a small amount in there.","start":1414.26,"end":1415.54,"sentiment":"neutral","sentiment_score":-0.04615380801260471},{"text":"It's only about 10.6% of your portfolio is in Bennelong,","start":1415.54,"end":1420.195,"sentiment":"neutral","sentiment_score":-0.05150687582790851}],"sentiment":"neutral","sentiment_score":-0.04949947539716959,"channel":0,"num_words":16,"start":1414.26,"end":1420.195},{"sentences":[{"text":"Mhmm.","start":1420.53,"end":1421.03,"sentiment":"neutral","sentiment_score":-0.05483219027519226}],"sentiment":"neutral","sentiment_score":-0.05483219027519226,"channel":1,"num_words":1,"start":1420.53,"end":1421.03},{"sentences":[{"text":"but we are wanting to sell you completely out of that.","start":1420.735,"end":1423.715,"sentiment":"neutral","sentiment_score":-0.22780576009641995},{"text":"And to keep your Australian equities component, on the bottom of that table, you'll see Affinity Australian 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PAM001AU.","start":1430.96,"end":1434.9,"sentiment":"neutral","sentiment_score":0.011568819172680378}],"sentiment":"neutral","sentiment_score":0.011568819172680378,"channel":0,"num_words":5,"start":1430.96,"end":1434.9},{"sentences":[{"text":"Yeah.","start":1435.41,"end":1435.695,"sentiment":"neutral","sentiment_score":0.007236413657665253}],"sentiment":"neutral","sentiment_score":0.007236413657665253,"channel":1,"num_words":1,"start":1435.41,"end":1435.695},{"sentences":[{"text":"So Alfiniti haven't had the same issue.","start":1435.84,"end":1437.76,"sentiment":"neutral","sentiment_score":-0.061258825340441296},{"text":"They don't hold the same investments there as Van Alon.","start":1437.76,"end":1440.34,"sentiment":"neutral","sentiment_score":-0.12012885212898254},{"text":"So we are gonna swap you out of Van Alon, get rid of them because they're underperforming and Alfiniti Australian shares.","start":1440.64,"end":1447.935,"sentiment":"neutral","sentiment_score":-0.16093349811576663},{"text":"To give you a little bit of detail, they essentially followed the or tracked the benchmark, the S and PAS 300 accumulation index.","start":1448.635,"end":1455.775,"sentiment":"neutral","sentiment_score":-0.011664906273717466},{"text":"Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities.","start":1455.995,"end":1461.33,"sentiment":"neutral","sentiment_score":0.1801441785480295}],"sentiment":"neutral","sentiment_score":-0.036746374716361364,"channel":0,"num_words":75,"start":1435.84,"end":1461.33},{"sentences":[{"text":"So it's giving you the same level of exposure, but it has performed greater.","start":1461.33,"end":1465.65,"sentiment":"positive","sentiment_score":0.3623313307762146},{"text":"And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well.","start":1465.65,"end":1474.29,"sentiment":"positive","sentiment_score":0.5703958193461101},{"text":"Okay.","start":1474.29,"end":1474.79,"sentiment":"neutral","sentiment_score":0.25845304131507874}],"sentiment":"positive","sentiment_score":0.4987325833903419,"channel":0,"num_words":45,"start":1461.33,"end":1474.79},{"sentences":[{"text":"Gotcha.","start":1475.3049,"end":1475.8049,"sentiment":"neutral","sentiment_score":0.3102657198905945},{"text":"Okay.","start":1475.865,"end":1476.3,"sentiment":"positive","sentiment_score":0.4745081663131714}],"sentiment":"positive","sentiment_score":0.39238694310188293,"channel":1,"num_words":2,"start":1475.3049,"end":1476.3},{"sentences":[{"text":"Perfect.","start":1476.8151,"end":1477.3151,"sentiment":"positive","sentiment_score":0.7239466905593872},{"text":"So once we kind of move everything over and with the portfolio that has provided that greater return, once we complete the switch of the investments, 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great.","start":1497.67,"end":1503.6901,"sentiment":"positive","sentiment_score":0.7289500147104263},{"text":"And you'll you'll keep about 7% in there as well.","start":1504.405,"end":1507.705,"sentiment":"positive","sentiment_score":0.5482132196426391},{"text":"You'll also have some beta shares cybersecurity in there.","start":1508.085,"end":1511.205,"sentiment":"neutral","sentiment_score":0.24318765103816986},{"text":"We're keeping that in the profile.","start":1511.205,"end":1512.745,"sentiment":"neutral","sentiment_score":0.2100268378853798}],"sentiment":"positive","sentiment_score":0.5010891843075845,"channel":0,"num_words":51,"start":1495.51,"end":1512.745},{"sentences":[{"text":"And then also some S and P 500, so giving you exposure to The US market.","start":1513.125,"end":1517.865,"sentiment":"neutral","sentiment_score":0.09573674201965332},{"text":"That is probably your highest asset 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find you have any questions around the pro the portfolio, the profile that we're putting you","start":1574.7351,"end":1580.12,"sentiment":"neutral","sentiment_score":0.04515162914207107}],"sentiment":"neutral","sentiment_score":0.09941288275553638,"channel":0,"num_words":36,"start":1570.175,"end":1580.12},{"sentences":[{"text":"make","start":1580.045,"end":1580.545,"sentiment":"neutral","sentiment_score":0.06606434285640717}],"sentiment":"neutral","sentiment_score":0.06606434285640717,"channel":1,"num_words":1,"start":1580.045,"end":1580.545},{"sentences":[{"text":"in, or any of the investments,","start":1580.12,"end":1581.56,"sentiment":"neutral","sentiment_score":0.06325387706359227}],"sentiment":"neutral","sentiment_score":0.06325387706359227,"channel":0,"num_words":6,"start":1580.12,"end":1581.56},{"sentences":[{"text":"sense.","start":1581.245,"end":1581.745,"sentiment":"neutral","sentiment_score":0.06209809333086014}],"sentiment":"neutral","sentiment_score":0.06209809333086014,"channel":1,"num_words":1,"start":1581.245,"end":1581.745},{"sentences":[{"text":"you're welcome to come back and let me know.","start":1581.56,"end":1583.16,"sentiment":"positive","sentiment_score":0.4666539000140296},{"text":"I'm more than happy to take you through a deeper dive if that's what you'd like.","start":1583.16,"end":1586.68,"sentiment":"positive","sentiment_score":0.6619361620396376},{"text":"Okay?","start":1586.68,"end":1587.18,"sentiment":"neutral","sentiment_score":0.2937924563884735}],"sentiment":"positive","sentiment_score":0.5801790826595746,"channel":0,"num_words":26,"start":1581.56,"end":1587.18},{"sentences":[{"text":"Yeah.","start":1587.0599,"end":1587.5599,"sentiment":"positive","sentiment_score":0.4156443476676941},{"text":"Awesome.","start":1587.62,"end":1588.1,"sentiment":"positive","sentiment_score":0.6705814003944397},{"text":"Thank you.","start":1588.1,"end":1588.9199,"sentiment":"positive","sentiment_score":0.6728935837745667}],"sentiment":"positive","sentiment_score":0.6080032289028168,"channel":1,"num_words":4,"start":1587.0599,"end":1588.9199},{"sentences":[{"text":"That's okay.","start":1589.0951,"end":1589.8351,"sentiment":"positive","sentiment_score":0.38772767782211304},{"text":"The next page just shows you kind of the changes because we are making some changes to your investments there.","start":1590.4551,"end":1596.635,"sentiment":"neutral","sentiment_score":0.0898026129230857},{"text":"The next page sort of shows you the changes in the asset allocation and what we sort of expect to see here.","start":1597.0951,"end":1602.635,"sentiment":"neutral","sentiment_score":0.05605923672291366},{"text":"At the moment with your risk profile, as we noted, you are a high growth investor, and you have the time for that high growth investors are happy to keep their money generally invested for about eight to ten years, and you're still so young.","start":1603.54,"end":1614.5801,"sentiment":"neutral","sentiment_score":0.17750593535602094},{"text":"You've got a lot of time ahead of you before you turn 60 and can access deeper.","start":1614.5801,"end":1618.36,"sentiment":"neutral","sentiment_score":0.15323985148878658}],"sentiment":"neutral","sentiment_score":0.1358269376258524,"channel":0,"num_words":106,"start":1589.0951,"end":1618.36},{"sentences":[{"text":"So we generally see about 90% in growth investments, and those things like Australian equities, international equities, Australian property, and international property.","start":1619.375,"end":1627.635,"sentiment":"neutral","sentiment_score":0.14484175836498087},{"text":"And then you also see about 10% in defensive investments, such Australian and international fixed interest and Australian cash and international cash there as well.","start":1628.255,"end":1638.26,"sentiment":"neutral","sentiment_score":0.11878015920519829},{"text":"We do also make sure to have a alternative asset allocation.","start":1638.64,"end":1642.82,"sentiment":"neutral","sentiment_score":0.0936864208091389},{"text":"It's not noted in the risk profile there, but we do add it in.","start":1642.96,"end":1646.4651,"sentiment":"neutral","sentiment_score":0.061043530968683105},{"text":"Alternative assets tend to work in different ways.","start":1646.4651,"end":1649.185,"sentiment":"neutral","sentiment_score":0.051874644588679075}],"sentiment":"neutral","sentiment_score":0.10570224854163826,"channel":0,"num_words":80,"start":1619.375,"end":1649.185},{"sentences":[{"text":"So, like, we have a bit of physical gold recommended in your portfolio, and you have some at the moment.","start":1649.185,"end":1654.0651,"sentiment":"neutral","sentiment_score":0.1019853949546814},{"text":"Physical gold is a growth investment, but given different time frames and the way markets can react, gold can also be seen as a defensive investment.","start":1654.0651,"end":1663.38,"sentiment":"neutral","sentiment_score":0.08265286770004493},{"text":"So it sort of works both ways for you.","start":1663.38,"end":1665.46,"sentiment":"neutral","sentiment_score":0.17460543248388502},{"text":"Okay?","start":1665.46,"end":1665.96,"sentiment":"neutral","sentiment_score":0.05504902079701424}],"sentiment":"neutral","sentiment_score":0.10384250665083528,"channel":0,"num_words":56,"start":1649.185,"end":1665.96},{"sentences":[{"text":"Okay.","start":1666.475,"end":1666.975,"sentiment":"neutral","sentiment_score":0.06212592497467995}],"sentiment":"neutral","sentiment_score":0.06212592497467995,"channel":1,"num_words":1,"start":1666.475,"end":1666.975},{"sentences":[{"text":"Yeah.","start":1667.38,"end":1667.88,"sentiment":"neutral","sentiment_score":0.06785598397254944},{"text":"So with the existing profile, with the way you are currently invested between your Aware Super and Hub 24, with the Aware Super and Hub 24, with the growth investments, you have about 78.5% in growth investments and about 20.5% in defensive investments and 1% in alternatives there.","start":1668.5,"end":1686.6,"sentiment":"neutral","sentiment_score":0.07933586277067661},{"text":"With what we're proposing, the changes that we're making to your your portfolio, it essentially means you'll increase your growth exposure by about 88 sorry.","start":1686.9199,"end":1695.88,"sentiment":"neutral","sentiment_score":0.1323612666130066},{"text":"288.1%.","start":1695.88,"end":1697.48,"sentiment":"neutral","sentiment_score":0.14740940928459167},{"text":"It's increasing by 1.9% there.","start":1697.48,"end":1700.355,"sentiment":"neutral","sentiment_score":0.19266930520534514}],"sentiment":"neutral","sentiment_score":0.10369706247001886,"channel":0,"num_words":80,"start":1667.38,"end":1700.355},{"sentences":[{"text":"And","start":1700.515,"end":1700.755,"sentiment":"neutral","sentiment_score":0.11418220400810242}],"sentiment":"neutral","sentiment_score":0.11418220400810242,"channel":0,"num_words":1,"start":1700.515,"end":1700.755},{"sentences":[{"text":"Yep.","start":1700.75,"end":1701.25,"sentiment":"neutral","sentiment_score":0.03173799067735672}],"sentiment":"neutral","sentiment_score":0.03173799067735672,"channel":1,"num_words":1,"start":1700.75,"end":1701.25},{"sentences":[{"text":"then we're gonna decrease your defensive position by that 5.1%.","start":1700.755,"end":1705.395,"sentiment":"neutral","sentiment_score":0.033431689441204074},{"text":"So you'll have about 4.9% invested there and then adding a higher amount of alternatives.","start":1705.395,"end":1711.1749,"sentiment":"neutral","sentiment_score":0.20125743349393208},{"text":"So you'll have 7% in alternatives, meaning you have physical gold and some the VanEck property there.","start":1711.235,"end":1716.52,"sentiment":"neutral","sentiment_score":0.25706510947031136},{"text":"So you've got a bit of a a different assets that kind of mitigate the long term market flow, but investments that work both ways that are both gonna be growth and defensive in nature depending on what the per the portfolio and the market do and how things react.","start":1716.52,"end":1730.655,"sentiment":"neutral","sentiment_score":0.28612268656492235},{"text":"Does that make sense?","start":1730.735,"end":1732.355,"sentiment":"neutral","sentiment_score":0.21695230901241302}],"sentiment":"neutral","sentiment_score":0.2385128002303342,"channel":0,"num_words":96,"start":1700.755,"end":1732.355},{"sentences":[{"text":"K.","start":1732.0,"end":1732.5,"sentiment":"neutral","sentiment_score":0.08468708395957947},{"text":"Yeah.","start":1732.56,"end":1733.06,"sentiment":"neutral","sentiment_score":0.14086595177650452}],"sentiment":"neutral","sentiment_score":0.11277651786804199,"channel":1,"num_words":2,"start":1732.0,"end":1733.06},{"sentences":[{"text":"Yeah.","start":1733.2151,"end":1733.7151,"sentiment":"neutral","sentiment_score":0.22762244939804077},{"text":"Perfect.","start":1733.775,"end":1734.275,"sentiment":"positive","sentiment_score":0.4288957715034485},{"text":"I will let you go back and have a bit of a read through that.","start":1734.8151,"end":1737.635,"sentiment":"neutral","sentiment_score":0.24036681453386943},{"text":"You've also got the advantages, disadvantages, and the risks involved there.","start":1738.095,"end":1742.355,"sentiment":"neutral","sentiment_score":0.07228851250626823},{"text":"Essentially, the benefits here are by moving and consolidating into one fund, you don't have to have two funds.","start":1742.975,"end":1749.08,"sentiment":"positive","sentiment_score":0.4104120605870297}],"sentiment":"neutral","sentiment_score":0.2735111325028095,"channel":0,"num_words":47,"start":1733.2151,"end":1749.08},{"sentences":[{"text":"It does lower your overall expenses a little bit, so you do save on your investment fees and your administration fees.","start":1749.08,"end":1755.64,"sentiment":"positive","sentiment_score":0.6128084517660595},{"text":"Having one fund is in best interest because all your money is together.","start":1755.64,"end":1759.02,"sentiment":"positive","sentiment_score":0.6886813869843116},{"text":"And when we look at the way investing works over longer term, more money makes more money.","start":1759.515,"end":1763.515,"sentiment":"positive","sentiment_score":0.5814936897333931},{"text":"So having it all in one place is easier to manage for you, but it can also provide a greater effect on your long term goals as well.","start":1763.515,"end":1771.055,"sentiment":"positive","sentiment_score":0.6649356425872871},{"text":"Okay?","start":1771.115,"end":1771.615,"sentiment":"neutral","sentiment_score":0.30584514141082764}],"sentiment":"positive","sentiment_score":0.6328908922150731,"channel":0,"num_words":80,"start":1749.08,"end":1771.615},{"sentences":[{"text":"Okay.","start":1772.405,"end":1772.905,"sentiment":"positive","sentiment_score":0.4068251848220825}],"sentiment":"positive","sentiment_score":0.4068251848220825,"channel":1,"num_words":1,"start":1772.405,"end":1772.905},{"sentences":[{"text":"Perfect.","start":1773.29,"end":1773.79,"sentiment":"positive","sentiment_score":0.4689074158668518},{"text":"The last part of the recommendation is the estate planning side of things.","start":1774.3301,"end":1777.85,"sentiment":"neutral","sentiment_score":0.19820711876337344},{"text":"So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative.","start":1777.85,"end":1787.23,"sentiment":"neutral","sentiment_score":0.20364158352216086},{"text":"So the way this essentially works is because you wanted to nominate your mom and dad if anything was to happen, under legislation, they actually can't be nominated as a beneficiary, the legislation states.","start":1787.4501,"end":1798.705,"sentiment":"neutral","sentiment_score":0.11718427207190818},{"text":"So it has to be either a spouse, a child, a financial dependent, someone who relies on you for live everyday living expenses, or an interdependent relationship for someone who lives with you and, again, relies on you for day to day living.","start":1798.705,"end":1813.0299,"sentiment":"neutral","sentiment_score":0.073102583675537}],"sentiment":"neutral","sentiment_score":0.1328101615540849,"channel":0,"num_words":118,"start":1773.29,"end":1813.0299},{"sentences":[{"text":"You pay all their bills, essentially.","start":1813.9851,"end":1815.6051,"sentiment":"neutral","sentiment_score":-0.028949968206385773},{"text":"So, unfortunately, under the legislation, it does mean that your parents don't meet that definition.","start":1816.2251,"end":1820.3251,"sentiment":"neutral","sentiment_score":-0.3315825581550598},{"text":"Sorry.","start":1821.505,"end":1822.005,"sentiment":"neutral","sentiment_score":-0.1224675476551056}],"sentiment":"neutral","sentiment_score":-0.23954116950996898,"channel":0,"num_words":22,"start":1813.9851,"end":1822.005},{"sentences":[{"text":"Yeah.","start":1822.0651,"end":1822.5651,"sentiment":"neutral","sentiment_score":-0.03743312507867813}],"sentiment":"neutral","sentiment_score":-0.03743312507867813,"channel":1,"num_words":1,"start":1822.0651,"end":1822.5651},{"sentences":[{"text":"And we have at the moment, we do have your dad there, and he's noted on your super as spouse.","start":1822.625,"end":1827.8451,"sentiment":"neutral","sentiment_score":0.04256077827885747},{"text":"Unfortunately, that's the way I have 24.","start":1828.9401,"end":1831.8201,"sentiment":"negative","sentiment_score":-0.4641867237431662},{"text":"I've noted it.","start":1831.8201,"end":1832.72,"sentiment":"neutral","sentiment_score":-0.11208367347717285},{"text":"So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund.","start":1832.78,"end":1839.5801,"sentiment":"neutral","sentiment_score":-0.00546118738129735},{"text":"And in the event that something was to happen, you just need to make sure your will is updated to reflect that.","start":1839.5801,"end":1845.495,"sentiment":"neutral","sentiment_score":-0.02450171671807766}],"sentiment":"neutral","sentiment_score":-0.046980611617780395,"channel":0,"num_words":72,"start":1822.625,"end":1845.495},{"sentences":[{"text":"So speak to a solicitor, have a will in place noting what you want to happen to your super and life proceeds in the event of passing.","start":1845.495,"end":1853.435,"sentiment":"neutral","sentiment_score":0.028474852649701968},{"text":"And","start":1853.975,"end":1854.135,"sentiment":"neutral","sentiment_score":0.033488158136606216}],"sentiment":"neutral","sentiment_score":0.02865389927423426,"channel":0,"num_words":28,"start":1845.495,"end":1854.135},{"sentences":[{"text":"Mhmm.","start":1854.125,"end":1854.625,"sentiment":"neutral","sentiment_score":0.012778572738170624}],"sentiment":"neutral","sentiment_score":0.012778572738170624,"channel":1,"num_words":1,"start":1854.125,"end":1854.625},{"sentences":[{"text":"if you were to pass away, then your dad could contact us.","start":1854.135,"end":1857.3,"sentiment":"neutral","sentiment_score":-0.03235157377397021},{"text":"We would help with the claim because it would have LPR or legal personal representative noted on your super fund.","start":1857.38,"end":1863.56,"sentiment":"neutral","sentiment_score":0.1277420038357377},{"text":"The super fund will pay everything to your estate, and then it would all be distributed as per the wishes in your bill.","start":1863.7001,"end":1869.88,"sentiment":"neutral","sentiment_score":0.15452805890337282},{"text":"With the way things are currently, because your dad is nominated then, it says spouse.","start":1870.135,"end":1874.2949,"sentiment":"neutral","sentiment_score":-0.00022007363537947336},{"text":"If he was to make a claim on your super as it is, the everything would go through to the super fund.","start":1874.2949,"end":1879.815,"sentiment":"neutral","sentiment_score":-0.026750784705985676}],"sentiment":"neutral","sentiment_score":0.055749436718938145,"channel":0,"num_words":92,"start":1854.135,"end":1879.815},{"sentences":[{"text":"The trustee would look at it, but they would come back and say that the nomination is declined.","start":1879.815,"end":1883.835,"sentiment":"neutral","sentiment_score":-0.13734059201346505},{"text":"Unfortunately, the definition isn't met, and they would decline to pay the funds, which can put a bit","start":1884.6,"end":1889.48,"sentiment":"negative","sentiment_score":-0.41288383801778156}],"sentiment":"neutral","sentiment_score":-0.27511221501562333,"channel":0,"num_words":36,"start":1879.815,"end":1889.48},{"sentences":[{"text":"Mhmm.","start":1889.4149,"end":1889.9149,"sentiment":"neutral","sentiment_score":-0.2780405879020691}],"sentiment":"neutral","sentiment_score":-0.2780405879020691,"channel":1,"num_words":1,"start":1889.4149,"end":1889.9149},{"sentences":[{"text":"more stress and strain on your family.","start":1889.48,"end":1891.34,"sentiment":"negative","sentiment_score":-0.6065335656915393},{"text":"But then it would be up to the trustee to go and find who then to make the payment to.","start":1891.8,"end":1896.94,"sentiment":"neutral","sentiment_score":-0.21645049080252649},{"text":"It can take a much longer process, and it has to go through a bit of a probate process.","start":1897.0249,"end":1900.965,"sentiment":"neutral","sentiment_score":-0.21934199646899574},{"text":"So having the beneficiary nominated correctly can make the whole thing much easier.","start":1901.0249,"end":1907.845,"sentiment":"neutral","sentiment_score":0.3312641829252243},{"text":"In saying that, we certainly hope that nothing happens and that you get to retirement and you can use all this money yourself.","start":1908.1449,"end":1914.47,"sentiment":"neutral","sentiment_score":0.2449207163375357}],"sentiment":"neutral","sentiment_score":-0.03417843725623154,"channel":0,"num_words":82,"start":1889.48,"end":1914.47},{"sentences":[{"text":"Yeah.","start":1915.715,"end":1916.215,"sentiment":"neutral","sentiment_score":0.2352730333805084}],"sentiment":"neutral","sentiment_score":0.2352730333805084,"channel":1,"num_words":1,"start":1915.715,"end":1916.215},{"sentences":[{"text":"So I am gonna recommend that we update the beneficiary nomination, and our lovely admin team can help fill it out for you.","start":1919.3301,"end":1925.185,"sentiment":"positive","sentiment_score":0.40043547814307007},{"text":"So that way, you can just have it signed and witnessed to make it easier.","start":1925.185,"end":1928.3251,"sentiment":"positive","sentiment_score":0.4127982993920644},{"text":"We are still recommending a binding, non lapsing nomination, which binds the trustee to follow the direction that is made.","start":1928.785,"end":1934.305,"sentiment":"positive","sentiment_score":0.34106938540935516},{"text":"And non lapsing means you don't have to keep filling out beneficiary forms every couple of years.","start":1934.305,"end":1938.885,"sentiment":"neutral","sentiment_score":0.2573828000356169},{"text":"It would just stay in place for you until your circumstances change.","start":1939.01,"end":1942.77,"sentiment":"neutral","sentiment_score":0.2651534366110961}],"sentiment":"positive","sentiment_score":0.3423072073137623,"channel":0,"num_words":87,"start":1919.3301,"end":1942.77},{"sentences":[{"text":"Okay?","start":1942.77,"end":1943.27,"sentiment":"neutral","sentiment_score":0.19197659194469452}],"sentiment":"neutral","sentiment_score":0.19197659194469452,"channel":0,"num_words":1,"start":1942.77,"end":1943.27},{"sentences":[{"text":"Yeah.","start":1943.565,"end":1944.065,"sentiment":"neutral","sentiment_score":0.28995025157928467},{"text":"Easy.","start":1944.205,"end":1944.525,"sentiment":"positive","sentiment_score":0.4860653281211853},{"text":"Thank you.","start":1944.525,"end":1945.2,"sentiment":"positive","sentiment_score":0.6836622655391693}],"sentiment":"positive","sentiment_score":0.5358350276947021,"channel":1,"num_words":4,"start":1943.565,"end":1945.2},{"sentences":[{"text":"That's okay.","start":1945.5701,"end":1946.31,"sentiment":"neutral","sentiment_score":0.2160670179873705},{"text":"The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well.","start":1946.8501,"end":1962.995,"sentiment":"neutral","sentiment_score":0.13538481517424505},{"text":"And having a power of attorney is also really important as well, Noting if anything was to happen to you and you were unable to make decisions on your behalf that you had chosen someone, and they know what your wishes are.","start":1963.455,"end":1974.35,"sentiment":"neutral","sentiment_score":-0.1042965239889565},{"text":"Something that we do in this the industry see quite regularly where if something happens, someone's in hospital, they're unable to make decisions, and the enduring power of attorney is set up and it's put in place.","start":1975.13,"end":1985.585,"sentiment":"neutral","sentiment_score":-0.14797377123220548},{"text":"So somebody else has to make decisions for that person, and they're not always made in accordance with the with the with the principal's wishes, which can be really, really difficult.","start":1985.585,"end":1995.585,"sentiment":"neutral","sentiment_score":-0.2191147251475242}],"sentiment":"neutral","sentiment_score":-0.04495429566622466,"channel":0,"num_words":174,"start":1945.5701,"end":1995.585},{"sentences":[{"text":"So it is definitely worth seeking the services of a solicitor and having your will and power of attorney drawn up correctly so that everything that you want to happen, that your wishes are adhered to.","start":1995.585,"end":2005.7301,"sentiment":"neutral","sentiment_score":0.24206307178570163},{"text":"Does that make sense?","start":2005.7301,"end":2006.79,"sentiment":"neutral","sentiment_score":0.13605206087231636}],"sentiment":"neutral","sentiment_score":0.2314619706943631,"channel":0,"num_words":40,"start":1995.585,"end":2006.79},{"sentences":[{"text":"Yeah.","start":2007.19,"end":2007.51,"sentiment":"neutral","sentiment_score":0.17338696122169495},{"text":"That does make sense.","start":2007.51,"end":2008.5499,"sentiment":"neutral","sentiment_score":0.27964654564857483},{"text":"There's something other","start":2008.5499,"end":2009.4299,"sentiment":"neutral","sentiment_score":0.11752176036437352}],"sentiment":"neutral","sentiment_score":0.20556730311363935,"channel":1,"num_words":8,"start":2007.19,"end":2009.4299},{"sentences":[{"text":"Beautiful.","start":2009.2649,"end":2009.7649,"sentiment":"neutral","sentiment_score":0.18525613844394684}],"sentiment":"neutral","sentiment_score":0.18525613844394684,"channel":0,"num_words":1,"start":2009.2649,"end":2009.7649},{"sentences":[{"text":"quick file.","start":2009.4299,"end":2010.8099,"sentiment":"neutral","sentiment_score":0.11775511130690575}],"sentiment":"neutral","sentiment_score":0.11775511130690575,"channel":1,"num_words":2,"start":2009.4299,"end":2010.8099},{"sentences":[{"text":"No.","start":2012.705,"end":2012.865,"sentiment":"neutral","sentiment_score":0.10074979066848756},{"text":"That's okay.","start":2012.865,"end":2013.845,"sentiment":"neutral","sentiment_score":0.24026140570640564},{"text":"It's honestly fine.","start":2013.985,"end":2015.445,"sentiment":"positive","sentiment_score":0.4533544679482778},{"text":"The only other thing to kinda go through is that as I went through before, you are an ongoing service client.","start":2017.105,"end":2021.825,"sentiment":"neutral","sentiment_score":0.10940339238870711},{"text":"So it does mean that there's no upfront implementation fees for the advice.","start":2021.825,"end":2026.68,"sentiment":"neutral","sentiment_score":0.11935146038348858}],"sentiment":"neutral","sentiment_score":0.14475940577685834,"channel":0,"num_words":40,"start":2012.705,"end":2026.68},{"sentences":[{"text":"It is all provided to you under the ongoing service agreement.","start":2026.68,"end":2029.9,"sentiment":"neutral","sentiment_score":0.20633322474631396},{"text":"Essentially, we estimate that the total paid ongoing for the year is about $3,781.","start":2030.52,"end":2037.26,"sentiment":"neutral","sentiment_score":0.10144558495708875},{"text":"That's for the insurances and the super.","start":2038.215,"end":2040.535,"sentiment":"neutral","sentiment_score":0.07108218967914581},{"text":"For the super only, how much we expect to be paid is 2,104.","start":2040.535,"end":2045.515,"sentiment":"neutral","sentiment_score":0.04190058891589825},{"text":"When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company.","start":2045.735,"end":2051.85,"sentiment":"neutral","sentiment_score":0.1004832670416521}],"sentiment":"neutral","sentiment_score":0.10357796745922636,"channel":0,"num_words":68,"start":2026.68,"end":2051.85},{"sentences":[{"text":"So we receive remuneration from them for the recommendations.","start":2051.85,"end":2054.99,"sentiment":"neutral","sentiment_score":0.11903896596696642},{"text":"It has no reflect on what we recommend whatsoever.","start":2055.85,"end":2059.79,"sentiment":"neutral","sentiment_score":-0.05187517156203588},{"text":"However, we do receive the remuneration.","start":2060.09,"end":2061.87,"sentiment":"neutral","sentiment_score":0.14044186224540076},{"text":"On new policies, we do receive 66% of the first year's premium and then 22% there ongoing.","start":2062.81,"end":2069.155,"sentiment":"neutral","sentiment_score":0.2527454030864379},{"text":"And with Clearview, we do currently receive 22% ongoing of the premiums as well.","start":2069.5352,"end":2073.7751,"sentiment":"neutral","sentiment_score":0.25020728419934}],"sentiment":"neutral","sentiment_score":0.16812180280685424,"channel":0,"num_words":55,"start":2051.85,"end":2073.7751},{"sentences":[{"text":"But as I kinda went through before, everything we do has to be in your best interest and here to meet your goals.","start":2073.7751,"end":2079.5352,"sentiment":"neutral","sentiment_score":0.12080358422320822},{"text":"So whilst we like to disclose the remuneration that we do receive, it has no effect in our recommendations.","start":2079.5352,"end":2085.5498,"sentiment":"neutral","sentiment_score":-0.08031252085378296},{"text":"Everything I recommend has to be right to you.","start":2085.8499,"end":2088.3298,"sentiment":"neutral","sentiment_score":0.12819678998655742},{"text":"Okay?","start":2088.3298,"end":2088.8298,"sentiment":"neutral","sentiment_score":0.07276295125484467}],"sentiment":"neutral","sentiment_score":0.04767458850088028,"channel":0,"num_words":52,"start":2073.7751,"end":2088.8298},{"sentences":[{"text":"Yeah.","start":2089.32,"end":2089.82,"sentiment":"neutral","sentiment_score":0.13211241364479065},{"text":"Yeah.","start":2089.96,"end":2090.36,"sentiment":"neutral","sentiment_score":0.2118970900774002},{"text":"That makes","start":2090.36,"end":2091.0,"sentiment":"positive","sentiment_score":0.3739989250898361}],"sentiment":"neutral","sentiment_score":0.2730018384754658,"channel":1,"num_words":4,"start":2089.32,"end":2091.0},{"sentences":[{"text":"Perfect.","start":2090.97,"end":2091.47,"sentiment":"positive","sentiment_score":0.5153959393501282}],"sentiment":"positive","sentiment_score":0.5153959393501282,"channel":0,"num_words":1,"start":2090.97,"end":2091.47},{"sentences":[{"text":"sense.","start":2091.0,"end":2091.5,"sentiment":"positive","sentiment_score":0.3930724263191223}],"sentiment":"positive","sentiment_score":0.3930724263191223,"channel":1,"num_words":1,"start":2091.0,"end":2091.5},{"sentences":[{"text":"Perfect.","start":2092.49,"end":2092.99,"sentiment":"positive","sentiment_score":0.5454651713371277},{"text":"I know that is a lot to go through.","start":2093.6099,"end":2095.8699,"sentiment":"neutral","sentiment_score":0.1324014589190483},{"text":"I'm happy to let you go back, have a bit of a read through everything, run your eyes over the advantages, disadvantages, risks involved.","start":2096.435,"end":2102.915,"sentiment":"positive","sentiment_score":0.3535040949160854},{"text":"Let me know if you do happen to have any questions there.","start":2102.915,"end":2105.575,"sentiment":"neutral","sentiment_score":0.22185686603188515},{"text":"If you decide you do wanna go ahead with the recommendations there, let us know.","start":2105.715,"end":2109.315,"sentiment":"neutral","sentiment_score":0.16714060604572295}],"sentiment":"neutral","sentiment_score":0.2523043944698865,"channel":0,"num_words":61,"start":2092.49,"end":2109.315},{"sentences":[{"text":"We'll get you to sign and return the document back, and then we'll book you in with our lovely admin team.","start":2109.315,"end":2113.82,"sentiment":"neutral","sentiment_score":0.18956051624956585},{"text":"They'll go through the insurance application for you.","start":2113.82,"end":2116.3,"sentiment":"neutral","sentiment_score":0.172448655590415},{"text":"Once that is in place, then we'll complete the final rollover out of the where and get your contributions moved over, and that'll cancel the insurances.","start":2116.3,"end":2123.76,"sentiment":"neutral","sentiment_score":0.01610370524800741},{"text":"I wouldn't do any of that until we get the Encompass insurance in place first.","start":2124.455,"end":2128.295,"sentiment":"neutral","sentiment_score":-0.15519395073254902},{"text":"It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim.","start":2128.295,"end":2138.875,"sentiment":"neutral","sentiment_score":0.06965843960642815}],"sentiment":"neutral","sentiment_score":0.05621557535146767,"channel":0,"num_words":106,"start":2109.315,"end":2138.875},{"sentences":[{"text":"Okay?","start":2139.175,"end":2139.675,"sentiment":"neutral","sentiment_score":0.09652556478977203}],"sentiment":"neutral","sentiment_score":0.09652556478977203,"channel":0,"num_words":1,"start":2139.175,"end":2139.675},{"sentences":[{"text":"Okay.","start":2140.3452,"end":2140.8452,"sentiment":"neutral","sentiment_score":0.2862364947795868}],"sentiment":"neutral","sentiment_score":0.2862364947795868,"channel":1,"num_words":1,"start":2140.3452,"end":2140.8452},{"sentences":[{"text":"Excellent.","start":2141.4402,"end":2141.9402,"sentiment":"positive","sentiment_score":0.6541080474853516},{"text":"All good.","start":2144.0,"end":2144.74,"sentiment":"positive","sentiment_score":0.6353489756584167},{"text":"I also just wanted to let you know as well, like, having a look at your super funds, so as part of the documents here, we do have the new ongoing service agreement attached there for you to the DocuSign.","start":2145.2002,"end":2155.62,"sentiment":"neutral","sentiment_score":0.30477003268897535},{"text":"Once you've gone through the statement of advice, the next document attached is the insurance quote, which runs you through what we've quoted and the ongoing service agreement as well.","start":2156.415,"end":2165.615,"sentiment":"neutral","sentiment_score":0.2580833743015925},{"text":"So if you're happy to say over the next twelve months, we'll get you to sign and return that one back.","start":2165.615,"end":2169.51,"sentiment":"positive","sentiment_score":0.3346263255391802}],"sentiment":"neutral","sentiment_score":0.30729001459289107,"channel":0,"num_words":94,"start":2141.4402,"end":2169.51},{"sentences":[{"text":"But your super fund within Hub twenty four for the last twelve months, you have also received a positive return of 7.96 percent.","start":2169.99,"end":2176.95,"sentiment":"positive","sentiment_score":0.5320565350677656},{"text":"So your current portfolio has been performing quite well.","start":2176.95,"end":2180.39,"sentiment":"positive","sentiment_score":0.6734305090374417},{"text":"The return is quite good for where you are.","start":2180.39,"end":2182.47,"sentiment":"positive","sentiment_score":0.6464165411889553},{"text":"It is a little bit low for where I'd expect a high growth investor to be receiving, and that is because Bennelong has pulled your returns back a little bit than seen as it's down since sort of November, December.","start":2182.47,"end":2193.405,"sentiment":"neutral","sentiment_score":-0.1479799383552745},{"text":"But so that's kind of why we've made that recommendation and that investment switch for you.","start":2193.865,"end":2198.285,"sentiment":"neutral","sentiment_score":0.256280823610723}],"sentiment":"neutral","sentiment_score":0.22986824125934815,"channel":0,"num_words":97,"start":2169.99,"end":2198.285},{"sentences":[{"text":"Okay?","start":2198.345,"end":2198.845,"sentiment":"neutral","sentiment_score":0.06813787668943405}],"sentiment":"neutral","sentiment_score":0.06813787668943405,"channel":0,"num_words":1,"start":2198.345,"end":2198.845},{"sentences":[{"text":"Gotcha.","start":2198.655,"end":2199.155,"sentiment":"neutral","sentiment_score":0.09994415938854218},{"text":"No worries.","start":2199.695,"end":2200.435,"sentiment":"neutral","sentiment_score":0.14758235961198807}],"sentiment":"neutral","sentiment_score":0.1317029595375061,"channel":1,"num_words":3,"start":2198.655,"end":2200.435},{"sentences":[{"text":"Aviso, do you have any questions?","start":2200.87,"end":2202.31,"sentiment":"neutral","sentiment_score":0.10845523575941722},{"text":"Do you wanna ask me anything at the moment?","start":2202.31,"end":2204.57,"sentiment":"neutral","sentiment_score":0.05540388077497482}],"sentiment":"neutral","sentiment_score":0.07662442276875178,"channel":0,"num_words":15,"start":2200.87,"end":2204.57},{"sentences":[{"text":"Yeah.","start":2207.64,"end":2208.04,"sentiment":"neutral","sentiment_score":0.07573653757572174},{"text":"It'll probably you know, like, it's all sounding pretty familiar, but I'll probably just","start":2208.04,"end":2212.2,"sentiment":"neutral","sentiment_score":0.04679427641843047}],"sentiment":"neutral","sentiment_score":0.04872376049558322,"channel":1,"num_words":15,"start":2207.64,"end":2212.2},{"sentences":[{"text":"Yeah.","start":2212.085,"end":2212.585,"sentiment":"neutral","sentiment_score":0.012500478886067867}],"sentiment":"neutral","sentiment_score":0.012500478886067867,"channel":0,"num_words":1,"start":2212.085,"end":2212.585},{"sentences":[{"text":"flick through a little bit more to get, like, some of that bigger picture stuff.","start":2212.2,"end":2215.8198,"sentiment":"neutral","sentiment_score":0.07607412785291671},{"text":"But no.","start":2216.625,"end":2217.285,"sentiment":"neutral","sentiment_score":-0.04433883726596832},{"text":"Thank you.","start":2217.745,"end":2218.385,"sentiment":"neutral","sentiment_score":0.31870539486408234}],"sentiment":"neutral","sentiment_score":0.08893921226263046,"channel":1,"num_words":19,"start":2212.2,"end":2218.385},{"sentences":[{"text":"Absolutely.","start":2218.005,"end":2218.505,"sentiment":"positive","sentiment_score":0.3705677390098572}],"sentiment":"positive","sentiment_score":0.3705677390098572,"channel":0,"num_words":1,"start":2218.005,"end":2218.505},{"sentences":[{"text":"You absolutely","start":2218.385,"end":2218.965,"sentiment":"positive","sentiment_score":0.369709849357605}],"sentiment":"positive","sentiment_score":0.369709849357605,"channel":1,"num_words":2,"start":2218.385,"end":2218.965},{"sentences":[{"text":"That's","start":2218.885,"end":2219.285,"sentiment":"neutral","sentiment_score":0.23455652594566345}],"sentiment":"neutral","sentiment_score":0.23455652594566345,"channel":0,"num_words":1,"start":2218.885,"end":2219.285},{"sentences":[{"text":"smashed","start":2219.185,"end":2219.585,"sentiment":"neutral","sentiment_score":0.295741468667984}],"sentiment":"neutral","sentiment_score":0.295741468667984,"channel":1,"num_words":1,"start":2219.185,"end":2219.585},{"sentences":[{"text":"okay.","start":2219.285,"end":2219.785,"sentiment":"neutral","sentiment_score":0.2277258932590485}],"sentiment":"neutral","sentiment_score":0.2277258932590485,"channel":0,"num_words":1,"start":2219.285,"end":2219.785},{"sentences":[{"text":"it.","start":2219.585,"end":2220.085,"sentiment":"neutral","sentiment_score":0.18953996896743777}],"sentiment":"neutral","sentiment_score":0.18953996896743777,"channel":1,"num_words":1,"start":2219.585,"end":2220.085},{"sentences":[{"text":"Oh, thank you.","start":2220.405,"end":2221.365,"sentiment":"positive","sentiment_score":0.4725075960159302},{"text":"Thank you so much for your time.","start":2221.365,"end":2222.7249,"sentiment":"positive","sentiment_score":0.6735135998044696},{"text":"I know you're busy, so I really appreciate you taking the the few minutes of oh, sorry, the twenty minutes to run through this with me.","start":2222.7249,"end":2228.81,"sentiment":"positive","sentiment_score":0.44770577320685756},{"text":"I'll let you go back to run your eyes over it, maybe go have a cup of tea and take a breather.","start":2229.19,"end":2234.73,"sentiment":"neutral","sentiment_score":0.32435691966251895},{"text":"And then when you've got some time, come back and have a really good read to the document, and let me know if there's any questions whatsoever.","start":2234.8699,"end":2240.17,"sentiment":"neutral","sentiment_score":0.3027337469436504}],"sentiment":"positive","sentiment_score":0.3892015469424865,"channel":0,"num_words":85,"start":2220.405,"end":2240.17},{"sentences":[{"text":"There is no such thing as a silly question.","start":2240.23,"end":2241.905,"sentiment":"neutral","sentiment_score":0.001747496012184355},{"text":"If it comes to mind and you wanna ask it, you let me know.","start":2241.905,"end":2244.705,"sentiment":"neutral","sentiment_score":0.18465851779494966},{"text":"Okay?","start":2244.705,"end":2245.205,"sentiment":"neutral","sentiment_score":0.12210150063037872}],"sentiment":"neutral","sentiment_score":0.11346034224455555,"channel":0,"num_words":24,"start":2240.23,"end":2245.205},{"sentences":[{"text":"Alright.","start":2245.24,"end":2245.74,"sentiment":"positive","sentiment_score":0.3608417510986328},{"text":"Thank you so much.","start":2246.3599,"end":2247.525,"sentiment":"positive","sentiment_score":0.7509988397359848}],"sentiment":"positive","sentiment_score":0.6729674220085144,"channel":1,"num_words":5,"start":2245.24,"end":2247.525},{"sentences":[{"text":"Aw.","start":2247.345,"end":2247.7449,"sentiment":"positive","sentiment_score":0.5422395467758179},{"text":"Thank you so much, Danielle.","start":2247.7449,"end":2249.185,"sentiment":"positive","sentiment_score":0.7989606022834778},{"text":"You have a lovely afternoon.","start":2249.185,"end":2250.545,"sentiment":"positive","sentiment_score":0.8233405947685242},{"text":"I'll talk to you soon.","start":2250.545,"end":2251.685,"sentiment":"positive","sentiment_score":0.5457124352455139}],"sentiment":"positive","sentiment_score":0.7113942317664623,"channel":0,"num_words":16,"start":2247.345,"end":2251.685},{"sentences":[{"text":"Thank you.","start":2252.885,"end":2253.625,"sentiment":"positive","sentiment_score":0.6649331152439117}],"sentiment":"positive","sentiment_score":0.6649331152439117,"channel":1,"num_words":2,"start":2252.885,"end":2253.625},{"sentences":[{"text":"Thanks.","start":2253.825,"end":2254.305,"sentiment":"positive","sentiment_score":0.617843747138977},{"text":"See you later.","start":2254.305,"end":2255.025,"sentiment":"positive","sentiment_score":0.4637925128142039},{"text":"Bye.","start":2255.025,"end":2255.525,"sentiment":"neutral","sentiment_score":-0.07412490248680115}],"sentiment":"positive","sentiment_score":0.3870192766189575,"channel":0,"num_words":5,"start":2253.825,"end":2255.525}]},"summary":{"result":"success","short":"Representatives from Oakview Financial provided updates on recommendations and statement of advice for a customer named Danielle. They addressed her financial goals and advised her to consolidate her financial advice. The speaker also discussed the retirement planning process and provided information on income and assets and liabilities. The insurance company's policies are retail coverage and the first year's premium is $511.42 for life and TBD, deducted out if the insurer is sued. The speaker emphasizes the importance of updating beneficiary and power of attorney for insurance purposes and provides information on the insurance quote and ongoing service agreement."},"intents":{"segments":[{"text":"Do you happen to have access to your emails at the moment as well? I do.","start_word":59,"end_word":74,"intents":[{"intent":"Request email access","confidence_score":0.010492808}]},{"text":"What's the is that the right address we should have here, or should that be updated? Yeah.","start_word":254,"end_word":270,"intents":[{"intent":"Update address","confidence_score":0.08349443},{"intent":"Update address","confidence_score":0.16869281}]},{"text":"So late last year, when we sort of caught up, we were looking to maybe see if we could consolidate.","start_word":743,"end_word":762,"intents":[{"intent":"Consolidate advice","confidence_score":0.46127415}]},{"text":"We've scoped in the insurance side of things, so we are looking to try and meet your goal.","start_word":934,"end_word":951,"intents":[{"intent":"Meet goal","confidence_score":0.010293261}]},{"text":"Essentially, you wanted to have life and TBD that would repay the outstanding mortgage. If anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component. So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you. Okay?","start_word":952,"end_word":1022,"intents":[{"intent":"Repay debt","confidence_score":0.052766886}]},{"text":"If anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component. So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you. Okay?","start_word":966,"end_word":1022,"intents":[{"intent":"Provide medical expenses","confidence_score":0.3477675}]},{"text":"The last part is the estate planning. Wanted to make sure that your beneficiaries were correct and up to date.","start_word":1027,"end_word":1046,"intents":[{"intent":"Update estate planning","confidence_score":0.003873757}]},{"text":"So I have made a recommendation in here under the estate planning side of things to make sure that everything is correctly and tidally is wrapped up. So if anything was to happen, everything could be passed to your family members in a timely manner to make it easier on them. Okay?","start_word":1079,"end_word":1130,"intents":[{"intent":"Recommend estate planning","confidence_score":0.5281375}]},{"text":"The next page does go to out the areas that we're not looking at any additional advice. So we have so savings and budget, you are paying down your mortgage quite comfortably. Didn't need the advice in the area as of yet. However, you are an ongoing client. So if you do wanna look at getting advice in the area down the track, let me know.","start_word":1136,"end_word":1201,"intents":[{"intent":"Suggest further advice","confidence_score":0.0026133826}]},{"text":"So we have so savings and budget, you are paying down your mortgage quite comfortably.","start_word":1153,"end_word":1167,"intents":[{"intent":"Help with finances and insurances","confidence_score":0.000007913241}]},{"text":"When it comes to the legal side of things, we're not lawyers, so we do refer you to a solicitor for the drafting of any kind of wills or power of attorneys. That way everything is done in accordance with the law and all the, you know, either dotted and the t's across nice and easily.","start_word":1321,"end_word":1376,"intents":[{"intent":"Provide advisor and wills","confidence_score":0.00001069324},{"intent":"Approve specialist for wills and taxes","confidence_score":4.1148276e-10}]},{"text":"Otherwise, we sort of look at more personalized insurances like life, safety, income protection, things that affect your personal circumstances. Does that make Yeah. sense?","start_word":1450,"end_word":1474,"intents":[{"intent":"Verify insurance coverage","confidence_score":0.00885816}]},{"text":"You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you. Okay? Gotcha.","start_word":1771,"end_word":1812,"intents":[{"intent":"Consolidate insurance policies","confidence_score":0.6213584}]},{"text":"And the next page, if you keep scrolling down, is essentially running through your risk profile. So when we called out, we did double check everything. You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change. Okay? Perfect.","start_word":1879,"end_word":1948,"intents":[{"intent":"Highlight risk profile","confidence_score":0.039935686}]},{"text":"So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can go back and have a chat about the the, you know, projection table for you so you got a whole a big Yep. yeah.","start_word":1987,"end_word":2034,"intents":[{"intent":"Discuss projection table","confidence_score":0.024890088}]},{"text":"Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses.","start_word":2138,"end_word":2166,"intents":[{"intent":"Cover mortgage","confidence_score":0.16832158}]},{"text":"Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses. So we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you.","start_word":2138,"end_word":2193,"intents":[{"intent":"Explain arrangement","confidence_score":0.00008711902}]},{"text":"So we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day. And they actually came back and said they were willing to offer cover. They Oh. yeah.","start_word":2229,"end_word":2280,"intents":[{"intent":"Provide information","confidence_score":0.00030507366}]},{"text":"yeah.","start_word":2280,"end_word":2280,"intents":[{"intent":"Compare policies","confidence_score":0.00011384472}]},{"text":"They were willing to offer life MTBD cover, and, essentially, some insured you need to be able to meet your goal is a amount of 655,000.","start_word":2281,"end_word":2306,"intents":[{"intent":"Offer life insurance","confidence_score":0.022662776}]},{"text":"We are then recommending that you do apply for the life and TBD with the sum insured of $656,155,000 there to be held inside super.","start_word":2343,"end_word":2367,"intents":[{"intent":"Propose application","confidence_score":0.0014116775}]},{"text":"And then we added the buyback.","start_word":2449,"end_word":2454,"intents":[{"intent":"Add buyback","confidence_score":0.17904474}]},{"text":"So within twelve months, they'll actually reinstate that policy, the policy back.","start_word":2525,"end_word":2536,"intents":[{"intent":"Restore policy","confidence_score":0.042094413}]},{"text":"This is just a more cost effective way of linking the policies together, so you get a a multi policy discount, essentially, makes the premiums cheaper for you, which has a greater effect on your sleepers, but still make sure you can claim on both of those policies if anything was to happen. Does that make sense?","start_word":2551,"end_word":2607,"intents":[{"intent":"Explain policy benefits","confidence_score":0.0009943198}]},{"text":"Is there anything that you wanted me to kinda clarify with that a bit more detail for you? No. I yeah.","start_word":2638,"end_word":2658,"intents":[{"intent":"Clarify policy details","confidence_score":0.45333496}]},{"text":"Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved. So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion.","start_word":2914,"end_word":2970,"intents":[{"intent":"Explain policy limitations","confidence_score":0.002563051}]},{"text":"The recommendation is still in your best interest even though it does have the exclusion that we expect to have applied.","start_word":3278,"end_word":3298,"intents":[{"intent":"Discuss insurance exclusions","confidence_score":0.00000809698}]},{"text":"What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass. That means that we actually can, once that has been applied for, consolidate. Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well.","start_word":3835,"end_word":3895,"intents":[{"intent":"Streamline fund consolidation","confidence_score":0.0012025632}]},{"text":"With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there.","start_word":4026,"end_word":4047,"intents":[{"intent":"Consolidate services","confidence_score":0.17715307}]},{"text":"With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there. Our ongoing service fee, as you're aware, is 1.65% per annum. It is deducted in smaller monthly increments on a regular basis. So and that's the fee for our providing our services. It also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well.","start_word":4026,"end_word":4102,"intents":[{"intent":"Charge fees","confidence_score":0.00486965}]},{"text":"All your contributions can then go into Hub 24 as well. So everything's in one place and the total. So with your income protection policy you have plus the new policy within Compass, this would be the total. The $2,468 would be the total paid for your insurances there. It is slightly more than what you are paying between the two funds by about $46. However, it's all in one place and makes it much more manageable.","start_word":4108,"end_word":4184,"intents":[{"intent":"Manage contributions","confidence_score":0.15736869}]},{"text":"Within the portfolio that we are still keeping in a high growth portfolio, so does. you're still invested in line with your risk profile. And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined. It's been averaging about 16.93% on a on a yearly basis there.","start_word":4234,"end_word":4305,"intents":[{"intent":"Maintain portfolio performance","confidence_score":0.0076507954}]},{"text":"We have made some slight changes to your investment profile, which is kinda giving you the better return there. But sorry.","start_word":4466,"end_word":4486,"intents":[{"intent":"Update investment profile","confidence_score":0.12168678}]},{"text":"Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities. So it's giving you the same level of exposure, but it has performed greater. And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well. Okay. Gotcha.","start_word":4773,"end_word":4832,"intents":[{"intent":"Explain portfolio benefits","confidence_score":0.031339232}]},{"text":"The next page just shows you kind of the changes because we are making some changes to your investments there.","start_word":5182,"end_word":5201,"intents":[{"intent":"Explain portfolio changes","confidence_score":0.08419908}]},{"text":"The last part of the recommendation is the estate planning side of things. So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative.","start_word":5732,"end_word":5771,"intents":[{"intent":"Provide recommendations","confidence_score":0.0031681582}]},{"text":"So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund. And in the event that something was to happen, you just need to make sure your will is updated to reflect that.","start_word":5902,"end_word":5943,"intents":[{"intent":"Update nomination information","confidence_score":0.031612385}]},{"text":"The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well.","start_word":6280,"end_word":6341,"intents":[{"intent":"Recommend contacting a solicitor","confidence_score":0.24990909}]},{"text":"When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company. So we receive remuneration from them for the recommendations.","start_word":6587,"end_word":6618,"intents":[{"intent":"Predict remuneration from insurance companies","confidence_score":0.000055855286}]},{"text":"I wouldn't do any of that until we get the Encompass insurance in place first. It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim. Okay? Okay.","start_word":6839,"end_word":6891,"intents":[{"intent":"Inform about insurance coverage","confidence_score":0.084183946}]}]},"sentiments":{"segments":[{"text":"Hello? Is Danielle speaking? Hi, Danielle. It's Dana from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.11194473505020142},{"text":"I'm good. Thank you. How are you? I'm very well. Thank you. I had you booked in just to run through your updated recommendations and statement of advice.","start_word":16,"end_word":43,"sentiment":"positive","sentiment_score":0.47420361638069153},{"text":"Is now still a good time there for you? Yeah. No. It's fine. Yep.","start_word":44,"end_word":57,"sentiment":"neutral","sentiment_score":0.2185564935207367},{"text":"Beautiful.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.39744412899017334},{"text":"Do you happen to have access to your emails at the moment as well? I do. Yeah. Yep.","start_word":59,"end_word":76,"sentiment":"neutral","sentiment_score":0.1240786835551262},{"text":"Perfect. I'll send this document through to you now via email.","start_word":77,"end_word":87,"sentiment":"positive","sentiment_score":0.3564361035823822},{"text":"If you can just pop in there and grab that one, we can go through it, and you can have a look at it altogether. As it is as it is sort of coming through to you, just to let you know, we do record our calls for quality and training purposes.","start_word":88,"end_word":139,"sentiment":"neutral","sentiment_score":0.24970784783363345},{"text":"Are you happy for me to proceed with that moving forward?","start_word":140,"end_word":150,"sentiment":"positive","sentiment_score":0.33739885687828064},{"text":"Yeah. Not a problem.","start_word":151,"end_word":154,"sentiment":"neutral","sentiment_score":0.19997161626815796},{"text":"Perfect.","start_word":155,"end_word":155,"sentiment":"positive","sentiment_score":0.36831241846084595},{"text":"And just to do security there with you as well, Danielle, we are discussing your personal information. So just get you to confirm your full name, your date of birth, and address I should have on file. Yep. So Danielle Louise Ennis, and my date of birth is the 1994. And address on file, I think it's 47 Gladstone Street, Orbost. I have a different one sitting here at the moment. Yeah. Okay. That'll be Unit 210 Flinders Street, Yep. South South Wales. Is that the one? Yeah. That's the one I have here at the moment. Yeah. What's the is that the right address we should have here, or should that be updated? Yeah. It'd be great if we could update that. Yeah. No. That's okay. What are we updating that one to? It's it's 47 Gladstone Street, Orboss, Victoria. Street. No worries. It was Victoria. I believe we had that one in your other file. So that's okay. No worries, though. We have had a bit of a system change over the last couple of months, so it could have been that something was dragged over incorrectly. So I can go back and update that for you.","start_word":156,"end_word":354,"sentiment":"neutral","sentiment_score":0.01571875996887684},{"text":"It's not an issue. That sounds good. Thank you.","start_word":355,"end_word":363,"sentiment":"positive","sentiment_score":0.5551819801330566},{"text":"Then that's okay. Not a problem at all. How's everything been? I know you've been extremely busy with everything going on down there. Yeah. It has been pretty busy, to be honest. Yeah. It's kind of just starting to slow down, which is Oh, kinda that'll great. be good. Yeah. That'll be good. Definitely. But yeah. No. It's it's yeah.","start_word":364,"end_word":423,"sentiment":"neutral","sentiment_score":0.027231769636273384},{"text":"It's been nice.","start_word":424,"end_word":426,"sentiment":"positive","sentiment_score":0.47467947006225586},{"text":"I'm actually home at the moment, Yeah.","start_word":427,"end_word":433,"sentiment":"neutral","sentiment_score":0.12568506598472595},{"text":"so that's really Oh, fantastic. nice. Nice.","start_word":434,"end_word":440,"sentiment":"positive","sentiment_score":0.4328421652317047},{"text":"Have you got a day off? Are you still working? Or I've actually got a whole week off, which oh, is kinda hazing.","start_word":441,"end_word":463,"sentiment":"neutral","sentiment_score":0.05094800889492035},{"text":"perfect.","start_word":464,"end_word":464,"sentiment":"positive","sentiment_score":0.35435569286346436},{"text":"Yeah. That's it. So I'm hanging out with the fam.","start_word":465,"end_word":474,"sentiment":"neutral","sentiment_score":0.2331240028142929},{"text":"Kinda nice. Oh, that sounds fantastic.","start_word":475,"end_word":480,"sentiment":"positive","sentiment_score":0.508518636226654},{"text":"A bit of downtime for you. All good. Now has that email popped through to you as of yet at all? It has. Yeah. Sorry. I'm just going through That's all okay. the classic authentication stuff. I don't That's wanna do alright. that. Sorry. It's also got all my work emails on it, so it it does a million times. No. You're Yeah. So it's just like a signed document link. I just clicked on it. alright. Yeah. So And there once it yeah. So you should be able to see that the first document does say, okay, financial statement of advice prepared for yourself, Danielle Innes, as of the 02/11/2026. it is. I'm Yeah. prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financials sorry, Australian Financial Services license. And my registration number with ASIC is 1304394. Okay. Yeah. No Beautiful. worries. As you are scrolling through the next couple of pages, it does note the best interest to you. So it is important to note that any advice we do provide as financial advisers is under the corporations back and the best interest duties and making sure that we understand what your goals are, that we are working towards your goals, that we do obtain enough information and do completed research to make sure the advice is appropriate and there and it's been provided in in your best interest. Okay?","start_word":481,"end_word":714,"sentiment":"neutral","sentiment_score":0.0339659524237753},{"text":"Awesome. Thank you. Perfect. That's okay.","start_word":715,"end_word":720,"sentiment":"positive","sentiment_score":0.5274003148078918},{"text":"As we keep scrolling down, your table of contents is pretty much self explanatory, and we've got the scope of advice there. So late last year, when we sort of caught up, we were looking to maybe see if we could consolidate. There had been some changes with some of the insurance companies, and it looks like you were able to get a bit of a life in TBD so we can hopefully consolidate you. We went back and did some really good in-depth research with the insurance companies, and it came back that one was willing to offer life in TBD to you as per your goal.","start_word":721,"end_word":828,"sentiment":"neutral","sentiment_score":0.15101668238639832},{"text":"So it means that the advice can be updated, and we can finally, hopefully, get you consolidated so everything is in one place nice and easy for you.","start_word":829,"end_word":856,"sentiment":"positive","sentiment_score":0.40377968549728394},{"text":"Okay? Got yeah. Okay. That makes sense.","start_word":857,"end_word":863,"sentiment":"neutral","sentiment_score":0.1585867553949356},{"text":"Perfect.","start_word":864,"end_word":864,"sentiment":"positive","sentiment_score":0.43272721767425537},{"text":"So with this advice piece here, we have got superannuation scoped in because your insurance is not currently paid out of your super. It is important that we scope that in. It's also about looking to consolidate so we can be working towards your goal of hopefully being able to access super or retire around age 65 with the aim of generating income of around about $700 per week. We've scoped in the insurance side of things, so we are looking to try and meet your goal. Essentially, you wanted to have life and TBD that would repay the outstanding mortgage. If anything was to happen, replace five years of your income and allow for a 150,000 of potential medical expenses when it came to the TBD component. So we had a bit of a look and made sure to do the math to make sure this advice piece is able to meet that goal for you. Okay? Gotcha.","start_word":865,"end_word":1023,"sentiment":"neutral","sentiment_score":0.15685193240642548},{"text":"Thank you. Perfect.","start_word":1024,"end_word":1026,"sentiment":"positive","sentiment_score":0.39270541071891785},{"text":"The last part is the estate planning. Wanted to make sure that your beneficiaries were correct and up to date. One of the things we talked about was what you wanted to happen in the event of passing prematurely, and you wanted to make sure everything could be passed to your parents. So I have made a recommendation in here under the estate planning side of things to make sure that everything is correctly and tidally is wrapped up.","start_word":1027,"end_word":1105,"sentiment":"neutral","sentiment_score":0.15565039311783224},{"text":"So if anything was to happen, everything could be passed to your family members in a timely manner to make it easier on them.","start_word":1106,"end_word":1129,"sentiment":"positive","sentiment_score":0.3372400999069214},{"text":"Okay?","start_word":1130,"end_word":1130,"sentiment":"neutral","sentiment_score":0.31720244884490967},{"text":"Awesome. Thank you. That's alright.","start_word":1131,"end_word":1135,"sentiment":"positive","sentiment_score":0.565889835357666},{"text":"The next page does go to out the areas that we're not looking at any additional advice.","start_word":1136,"end_word":1152,"sentiment":"neutral","sentiment_score":0.09567143768072128},{"text":"So we have so savings and budget, you are paying down your mortgage quite comfortably.","start_word":1153,"end_word":1167,"sentiment":"positive","sentiment_score":0.3345778286457062},{"text":"Didn't need the advice in the area as of yet. However, you are an ongoing client. So if you do wanna look at getting advice in the area down the track, let me know.","start_word":1168,"end_word":1201,"sentiment":"neutral","sentiment_score":0.07658390700817108},{"text":"We are here and happy to help.","start_word":1202,"end_word":1208,"sentiment":"positive","sentiment_score":0.6364266872406006},{"text":"We've also scoped out the income protection and the trauma side. So you do have the income protection with Clearview and trauma with Clearview as well.","start_word":1209,"end_word":1234,"sentiment":"neutral","sentiment_score":0.224816232919693},{"text":"You are happy with the level of cover you had.","start_word":1235,"end_word":1244,"sentiment":"positive","sentiment_score":0.5450948476791382},{"text":"Didn't wanna review or alter that now, so we're not. We'll just scope that after the time being. And as your life changes, we can always look to review those down the track. Okay? Gotcha. Yeah. Easy. The next page is the limited advice page. It is just letting you know this is a limited advice document. We go through scoping in and scoping out as to what we are providing advice on and are not. When it comes to the legal side of things, we're not lawyers, so we do refer you to a solicitor for the drafting of any kind of wills or power of attorneys. That way everything is done in accordance with the law and all the, you know, either dotted and the t's across nice and easily. Under the Better Advice Act 2021, I am a relevant tax provider. So I can essentially provide you financial advice around tax and tax related issues, and we do that as part of the advice that we do provide. And when it comes to insurances, I don't provide advice around general insurances such as motor home, business liability. Those, we can refer you through to a qualified broker if you require those. Mhmm. Otherwise, we sort of look at more personalized insurances like life, safety, income protection, things that affect your personal circumstances. Does that make Yeah. sense? Yep.","start_word":1245,"end_word":1475,"sentiment":"neutral","sentiment_score":0.07339151490689357},{"text":"Perfect. So that's all, like, the logistics out of the way.","start_word":1476,"end_word":1486,"sentiment":"positive","sentiment_score":0.4057811796665192},{"text":"If you can scroll down to page number seven, this is the about you information. So this is all the stuff we had been able to gather on yourself as of the last Fact Find and the last meeting we had, and it has been a little bit of time since then. Mhmm. But are you able just to run your eyes over that one for me just to double check everything and let me know if there's been any major changes in your circumstances since we last called up? No. That all looks kinda the same.","start_word":1487,"end_word":1583,"sentiment":"neutral","sentiment_score":0.04895021766424179},{"text":"Perfect. Perfect. I mean, I was hoping your income would increase a bit since then. I think you're definitely worth more money. Oh, thank you.","start_word":1584,"end_word":1608,"sentiment":"positive","sentiment_score":0.4444235563278198},{"text":"Honestly, that's a work in progress. So hopefully, in, like, six months' time, I can say, yes.","start_word":1609,"end_word":1625,"sentiment":"neutral","sentiment_score":0.30901235342025757},{"text":"We got a Perfect. Perfect. Perfect.","start_word":1626,"end_word":1631,"sentiment":"positive","sentiment_score":0.506392776966095},{"text":"Up the next page, there is your assets and liabilities. So we had down here your main primary residence, your motor vehicle, and your contents. The asset values noted were 310,000 for the property, 6,000 for the motor vehicle, and 3,000 for contents insurances. And you did Yep. owe about 165 on the mortgage. Hopefully, you owe a little bit less since then. Is there any major changes to any of those that you would maybe alter? No. I don't think so. Nope. That's okay.","start_word":1632,"end_word":1716,"sentiment":"neutral","sentiment_score":-0.022240225225687027},{"text":"Beautiful.","start_word":1717,"end_word":1717,"sentiment":"positive","sentiment_score":0.498585045337677},{"text":"Yeah. And the next page outlines your current superannuation. So you do have your aware and your hub 24 at the moment with the current respective balances as of the date of the advice document. And inside aware there, you do have your life, your TBD, and the income protection still currently. You do also have income protection with Clearview, but we didn't wanna cancel that until we've been able to go through this document so we can consolidate everything and cancel these insurance policies all at the same time for you. Okay? Gotcha.","start_word":1718,"end_word":1811,"sentiment":"neutral","sentiment_score":0.07858313001850818},{"text":"Absolutely. That all makes sense.","start_word":1812,"end_word":1816,"sentiment":"positive","sentiment_score":0.5202767252922058},{"text":"Yeah. The next page outlines your Clearview policy. So your income protection policy with Clearview there, and then you've also got your trauma policy and your policy was ClearView there, and then you've also got your trauma policy and your trauma plus reinstatement noted as part of the policy and Yep. the current amount that you pay for those at the moment. And the next page, if you keep scrolling down, is essentially running through your risk profile. So when we called out, we did double check everything. You were comfortable being in a high growth environment, so we have looked at investment portfolios to make sure that you remain in that risk in that environment with the same level of risk and making sure your asset allocation doesn't change. Okay?","start_word":1817,"end_word":1947,"sentiment":"neutral","sentiment_score":0.10237310081720352},{"text":"Perfect.","start_word":1948,"end_word":1948,"sentiment":"positive","sentiment_score":0.507718563079834},{"text":"To make this a little bit easier, I'm actually gonna do the advice presentation slightly different for you. We'll start with the insurance side of things because this is kind of the main aspect of your advice phase. So if you can scroll down to page number 20 for me, this is just running you through those recommendations, and then we can go back and have a chat about the the, you know, projection table for you so you got a whole a big Yep. yeah. The whole picture, essentially. Yeah. No worries.","start_word":1949,"end_word":2041,"sentiment":"neutral","sentiment_score":0.1958700865507126},{"text":"Excellent. Yep.","start_word":2042,"end_word":2043,"sentiment":"positive","sentiment_score":0.4458394944667816},{"text":"On page 20 now.","start_word":2044,"end_word":2047,"sentiment":"neutral","sentiment_score":0.23870427906513217},{"text":"Perfect.","start_word":2048,"end_word":2048,"sentiment":"positive","sentiment_score":0.532680869102478},{"text":"So this is essentially letting you know that we are making the recommendation to apply for life and TPD through Encompass. So as we kinda spoke about originally, your goal was to make sure with your life and TPD cover that if anything happened to you that you will your TPD cover is probably the main thing there. Making sure that, you know, if you were unable to get back to work due to permanent incapacity, that you could have a $150,000 paid out for potential medical expenses. Also, cover your mortgage, which owed a 165,000 there, and also replace five years of your gross income as well to make sure that you had ongoing living expenses. So we also talked about grossing up the life cover so we could attach the policies together and try to make them more cost effective for you. With your occupation, I know ages ago, we did go back and try to do transfer terms and have a look at the option, unfortunately.","start_word":2049,"end_word":2217,"sentiment":"neutral","sentiment_score":0.10859042331135484},{"text":"Your occupation is quite risky when insurers are looking at things.","start_word":2218,"end_word":2228,"sentiment":"negative","sentiment_score":-0.3732304871082306},{"text":"So we actually spoke to Encompass, and we sent them a really long email which outlines everything that you do, your income, what your occupation is, what you do for living on a day to day. And they actually came back and said they were willing to offer cover. They Oh. yeah. They were willing to offer life MTBD cover, and, essentially, some insured you need to be able to meet your goal is a amount of 655,000. So within Compass, they have rated you as a a firefighter.","start_word":2229,"end_word":2317,"sentiment":"neutral","sentiment_score":0.11861755698919296},{"text":"But, look, they're one of the only insurance companies who are willing to offer under the occupation rating, so we were really happy with that. We are then recommending that you do apply for the life and TBD with the sum insured of $656,155,000 there to be held inside super.","start_word":2318,"end_word":2367,"sentiment":"positive","sentiment_score":0.37963637709617615},{"text":"So you're not having to pay those premiums out of your back pocket. They Yeah. are with the TBD offering. This is the standard super occupation, which isn't any occupation definition. So that means in order to be able to claim on TBD, you just have to never be able to go back to work again for any occupation for which you are trained, educated, or have worked.","start_word":2368,"end_word":2435,"sentiment":"neutral","sentiment_score":0.1694764345884323},{"text":"It's the same definition as any other TBD, which is fantastic to note.","start_word":2436,"end_word":2448,"sentiment":"positive","sentiment_score":0.4794425964355469},{"text":"And then we added the buyback. So because we've linked the two policies together for you to make them more cost effective, we add the debt buyback there. The way this works and the way TBD generally works when you do link it to life is that if you are TBD, if they pay out the sum insured, which is great, but then when you've linked the life together, it cancels out the life policy. So within twelve months, they'll actually reinstate that policy, the policy back. So should you pass away later stage, you can still claim on the last policy.","start_word":2449,"end_word":2550,"sentiment":"neutral","sentiment_score":0.07546769844039398},{"text":"This is just a more cost effective way of linking the policies together, so you get a a multi policy discount, essentially, makes the premiums cheaper for you, which has a greater effect on your sleepers, but still make sure you can claim on both of those policies if anything was to happen.","start_word":2551,"end_word":2603,"sentiment":"positive","sentiment_score":0.4533214271068573},{"text":"Does that make sense? Yeah. I think so. Yeah.","start_word":2604,"end_word":2612,"sentiment":"neutral","sentiment_score":0.20122474431991577},{"text":"That's okay.","start_word":2613,"end_word":2614,"sentiment":"positive","sentiment_score":0.39330431818962097},{"text":"If you're if it doesn't, you're welcome to let me know.","start_word":2615,"end_word":2625,"sentiment":"neutral","sentiment_score":0.2453080713748932},{"text":"I'm happy to break it down further for you. It's all good.","start_word":2626,"end_word":2637,"sentiment":"positive","sentiment_score":0.7248794436454773},{"text":"Is there anything that you wanted me to kinda clarify with that a bit more detail for you? No. I yeah. I think it's just Yeah. a little a little bit to That's wrap that around. okay. That's Yeah. alright. It's always a little bit like that when I'm kinda going through and talking to you because, I mean, I know my advice back to front, but you're seeing it for the first time in hearing it. So you do get a a chance before you take on the advice to go back and read the document, then make sure you've, you know, got a good understanding of it all, and let me know if you do find you have any questions there. Okay? No worries.","start_word":2638,"end_word":2763,"sentiment":"neutral","sentiment_score":0.11136700958013536},{"text":"Thank you. Perfect. That's okay.","start_word":2764,"end_word":2768,"sentiment":"positive","sentiment_score":0.4371273219585418},{"text":"Now with this type of cover, it is retail cover. So it does mean that at the beginning of the application, you do go through the same as with your ClearView policy, you do go through an application process where the insurer understands and underwrites the policy so it's tailored to you and your needs. We do estimate the first year's premium to be $511.42 for life and TBD, which would be deducted out if you're sued for that. You do get a rebate of 15%. It's a bit like a discount there, but the total amount the insurer actually receives is $601.67. So it's a pity we don't get these discounts all the time, but it is really great to be able to see that you pay a little bit less because it's held inside super. Okay. Yeah. I gotcha. That makes sense.","start_word":2769,"end_word":2912,"sentiment":"neutral","sentiment_score":0.2010148752273785},{"text":"Perfect.","start_word":2913,"end_word":2913,"sentiment":"positive","sentiment_score":0.5149087905883789},{"text":"Now with the policy, it is important to note is that you are aware of the disadvantages, the advantages, and the risks involved. So if you scroll down to page number 22, we have sort of noted here, we understand the same as with your I believe on your income protection policy, you've also got an exclusion. So because of what was disclosed in your pre assessment, we do expect a lot to be offered at standard rates. However, with the TPD, we do expect a lumbar spine exclusion on the policy. That essentially Mhmm. means that any conditions related to the lump to your previous injury or illness around that area, they will not cover. They maybe can't claim on those sorts of injuries or illnesses. But, essentially, if you were to say have a car accident, they would assess the injury that you've received. So if you have a car accident, you break your back, something happens, they assess the injury and the claim. They'll look at what your previous injuries were, the fact that you have an exclusion there, but they'll also look at whether a reasonable reasonable person without the lumbar spine like, without the lumbar spine exclusion would have still claimed for the same injury. So there is a chance for things like car accidents where you still hurt your back, your lower back, that you still can claim because they're looking at what you what the injury or illness was that caused you to have that exclusion in the first place, not so much what has happened here. So there is a chance you can claim on down the track. And if anything changes with the insurers, they sometimes will reassess loadings and exclusions down the track as well. So we can always review that with them further down. But we just wanted to make sure we're open and honest with you. We understand the contract that is to be offered, and we understand there would be a lumbar spine exclusion. I apologize. I get a bit tongue tied with some of these things. Yeah.","start_word":2914,"end_word":3264,"sentiment":"neutral","sentiment_score":-0.1432717699780423},{"text":"That's all good. That that all makes a lot of sense. Yeah. Perfect.","start_word":3265,"end_word":3277,"sentiment":"positive","sentiment_score":0.48196497559547424},{"text":"The recommendation is still in your best interest even though it does have the exclusion that we expect to have applied. It does mean that you would have a higher level of cover. It essentially means that the cover amount in the event of claiming is there to meet your goal, and this does meet your goal, whereas your current cover is quite low and does decrease over time. With the retail covers that we're recommending, these covers actually increase along within indexation. So the idea stations. So the idea is that by having them increase over time, because a $100 this year doesn't equal a $100 next year, that if in the event you do claim in the future, the amount you are gonna get paid is essentially there and is gonna cover the expenditure. And so we don't want it to be eaten away eaten eaten away with inflation. I'm so sorry. I'm a bit tongue tied this afternoon. That's not correct. Great. That makes sense. And I probably Yeah. wouldn't Perfect. We are still looking to keep your current t current trauma and IP policy in place so we can review all of these together. It does mean that you would have two different insurers that encompass your life and TPD and clear you with your trauma and income protection policies. However, you have us as your advisers, and we monitor and look after all of it. So if you had to make a claim, we're the ones that would help you facilitate that between yourself and the insurer to make it easily easier on yourself and your family. So having different insurers doesn't normally cause too much of an issue. Okay?","start_word":3278,"end_word":3562,"sentiment":"neutral","sentiment_score":0.0763775184750557},{"text":"Awesome. Thank you.","start_word":3563,"end_word":3565,"sentiment":"positive","sentiment_score":0.5024664998054504},{"text":"That's okay. So now if I can get you to scroll back to page number 13 for me. This is essentially the projection table. Now that you sort of understand the insurances, it makes a lot more sense there. Got it. Yep. Perfect. So you'll see here we've got your current scenario where you've got your Aware Super with your current balance and also your Hub 24 with the balance as well. Underneath that, you are paying within both of the funds, the administration fees, investment fees, and any other fees applicable there, and your ongoing service fees for being our client and being onboard and having us look after everything for you. At the moment, your contributions are going into Aware, and you've got your insurance premiums being deducted out of both funds. So part out of Aware, so your current life, CPD, and income protection there, and then you've got your other income protection policy paid out of hub twenty four through ClearView there. Okay? Okay. Between the two funds, you are still in a high growth portfolio, and the five year rolling average so when we look at how the two funds and the investments within those have performed over the last five years, they're averaging about 14.44%. Okay? K. If we do sort of look at the funds, how they have performed, and if the market did perform the same way over the next five years, we can show a project that you could end up with 208,207 in five years or 338,453 over the next ten years, which isn't a bad amount at all. What we with what we are recommending with altering the insurance is applying for a the life and TPD through Encompass. That means that we actually can, once that has been applied for, consolidate.","start_word":3566,"end_word":3868,"sentiment":"neutral","sentiment_score":0.17148227488050366},{"text":"Move everything from Aware into Hub twenty four, which means you only have to then have one super fund, which makes everything easier for yourself as well. And then the life and TPD, the everything is all in one place.","start_word":3869,"end_word":3908,"sentiment":"positive","sentiment_score":0.3445541262626648},{"text":"You've got your Encompass life and TPD, their income protection through Clearview, and it's all paid out as a one fund, and your contributions can go into the one fund as well.","start_word":3909,"end_word":3940,"sentiment":"neutral","sentiment_score":0.28541505336761475},{"text":"By consolidating, we essentially do understand that the administration fees are slightly lower, so you would save about $17 for the first year, which is fantastic. The investment fees as well would be reduced by having one fund fee for the first year. You'd save about $24 on those. Only small savings, but when you keep that money in your super fund compounding towards your retirement goals, it can make a big difference over the longer term there for you.","start_word":3941,"end_word":4020,"sentiment":"positive","sentiment_score":0.5890822410583496},{"text":"Okay? Yeah. A coat. Yeah. With the ongoing adviser fee, it does increase a little bit because we are we have everything consolidated into one place there. Our ongoing service fee, as you're aware, is 1.65% per annum. It is deducted in smaller monthly increments on a regular basis. So and that's the fee for our providing our services. It also means that we don't charge any more implementation or upfront fees, and all advisers included in that for you as well. Okay? Yeah. I gotcha.","start_word":4021,"end_word":4106,"sentiment":"neutral","sentiment_score":0.1005864687437235},{"text":"Perfect. All your contributions can then go into Hub 24 as well. So everything's in one place and the total. So with your income protection policy you have plus the new policy within Compass, this would be the total. The $2,468 would be the total paid for your insurances there.","start_word":4107,"end_word":4156,"sentiment":"positive","sentiment_score":0.39809808135032654},{"text":"It is slightly more than what you are paying between the two funds by about $46.","start_word":4157,"end_word":4172,"sentiment":"neutral","sentiment_score":0.3119729161262512},{"text":"However, it's all in one place and makes it much more manageable. And when your contributions are going in as well as your insurance premiums coming out all in one fund, it's a more manageable, but it's easier to make sure things are coming up to growth as well.","start_word":4173,"end_word":4221,"sentiment":"positive","sentiment_score":0.4096165299415589},{"text":"Okay? Does that all make sense so far? Yeah. Yep.","start_word":4222,"end_word":4231,"sentiment":"neutral","sentiment_score":0.15158453583717346},{"text":"It Perfect.","start_word":4232,"end_word":4233,"sentiment":"positive","sentiment_score":0.40855807065963745},{"text":"Within the portfolio that we are still keeping in a high growth portfolio, so does. you're still invested in line with your risk profile. And the five year rolling average shows that the profile the the portfolio that we're putting you into has actually performed slightly higher than what the previous one or the previous two super funds had combined. It's been averaging about 16.93% on a on a yearly basis there.","start_word":4234,"end_word":4305,"sentiment":"neutral","sentiment_score":0.3154081702232361},{"text":"I do I do honestly don't expect you to get that every year moving forward, but if the state of funds did perform the same way as they had and we were able to obtain that kind of performance over the longer term, in the next five years, you could end up with 236,431, and over the next ten years, up to 445,374. So by being all in one fund, having everything consolidated together, it can put you in a better position, and the past performance on this portfolio is greater than what the past performance on the previous one had also.","start_word":4306,"end_word":4407,"sentiment":"positive","sentiment_score":0.3337418735027313},{"text":"Okay? Yeah. Gotcha.","start_word":4408,"end_word":4410,"sentiment":"neutral","sentiment_score":0.09403067082166672},{"text":"That's Perfect. great.","start_word":4411,"end_word":4413,"sentiment":"positive","sentiment_score":0.5860612392425537},{"text":"No worries. If I can get you to scroll down for me sorry. I'm losing my voice a little bit there. Just down to page number 36. This is the investment profile. So you will see the top of that. We actually have the number of $231 there in the top corner. We have made some slight changes to your investment profile, which is kinda giving you the better return there. But sorry. $252 is the safety show consequence. But the reason we needed to make some changes to your investment profile was that in your current super fund, you've actually got Bennelong Australian Equities. Now Bennelong is your Australian equity component. They were there as more of a value kind of investor that were giving you a bit of active management when you came on board. They have been really, really good up until sort of the end of last year.","start_word":4414,"end_word":4565,"sentiment":"neutral","sentiment_score":-0.045768871903419495},{"text":"And around about November, December, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market that had been released to the market.","start_word":4566,"end_word":4592,"sentiment":"negative","sentiment_score":-0.37275218963623047},{"text":"It meant that Better Long and Corporate Travel had been reinvested sorry, reevaluated as an investment pro investment option, and it meant that we had to go back and re reevaluate them in your portfolio as well.","start_word":4593,"end_word":4629,"sentiment":"neutral","sentiment_score":-0.2787624001502991},{"text":"They have shown a little bit of a negative return over the past couple of months and sort of affected most people's portfolios just slightly.","start_word":4630,"end_word":4654,"sentiment":"negative","sentiment_score":-0.4600062966346741},{"text":"You only Yes. have a small amount in there. It's only about 10.6% of your portfolio is in Bennelong, Mhmm. but we are wanting to sell you completely out of that. And to keep your Australian equities component, on the bottom of that table, you'll see Affinity Australian shares. Yep. Got the ticket number PAM001AU. Yeah. So Alfiniti haven't had the same issue. They don't hold the same investments there as Van Alon. So we are gonna swap you out of Van Alon, get rid of them because they're underperforming and Alfiniti Australian shares. To give you a little bit of detail, they essentially followed the or tracked the benchmark, the S and PAS 300 accumulation index. Alfiniti generally have between 35 to 55 different stocks in there, all Australian equities.","start_word":4655,"end_word":4785,"sentiment":"neutral","sentiment_score":-0.04138547631392952},{"text":"So it's giving you the same level of exposure, but it has performed greater. And the underlying management fee for that investment is actually cheaper than Benelon, so it's helping to make the investment fees within that portfolio much cheaper for you as well.","start_word":4786,"end_word":4829,"sentiment":"positive","sentiment_score":0.5006526708602905},{"text":"Okay. Gotcha.","start_word":4830,"end_word":4831,"sentiment":"neutral","sentiment_score":0.2895406186580658},{"text":"Okay. Perfect. So once we kind of move everything over and with the portfolio that has provided that greater return, once we complete the switch of the investments, you'll end up with some Global X battery and lithium test.","start_word":4832,"end_word":4870,"sentiment":"positive","sentiment_score":0.4119292199611664},{"text":"You'll have about 7% there. Some bank hybrids, you'll have about 7% in there. Some China, we're keeping that in there.","start_word":4871,"end_word":4891,"sentiment":"neutral","sentiment_score":0.2447103261947632},{"text":"You'll have about 7% in there. Some physical gold, which is showing great returns in everyone's portfolios over the last twelve months, which is really great. And you'll you'll keep about 7% in there as well.","start_word":4892,"end_word":4927,"sentiment":"positive","sentiment_score":0.6017751693725586},{"text":"You'll also have some beta shares cybersecurity in there. We're keeping that in the profile. And then also some S and P 500, so giving you exposure to The US market. That is probably your highest asset allocation.","start_word":4928,"end_word":4965,"sentiment":"neutral","sentiment_score":0.19586026668548584},{"text":"We have about 30% in there, and that is because over the long term, the, you know, into international markets and especially US do perform really, really well.","start_word":4966,"end_word":4993,"sentiment":"positive","sentiment_score":0.3712988495826721},{"text":"So we wanna keep the exposure there. We Got also, it.","start_word":4994,"end_word":5004,"sentiment":"neutral","sentiment_score":0.2096180021762848},{"text":"yeah, all good.","start_word":5005,"end_word":5007,"sentiment":"positive","sentiment_score":0.3995145261287689},{"text":"We also keep the VanEck property Australian property exposure at about 5%. You have the Raffi Aussie 200.","start_word":5008,"end_word":5025,"sentiment":"neutral","sentiment_score":0.20145536959171295},{"text":"It's at 15. It's giving you exposure to the top 200 companies on the ASX, which is great.","start_word":5026,"end_word":5043,"sentiment":"positive","sentiment_score":0.39332687854766846},{"text":"And then also giving you the Alfiniti Australian shares. They're giving you greater exposure to Australian shares. So between the S and P 500 and the Australian ASX exposure, we have about 30% in each. That is generally your highest asset allocation, and then everything else is kind of lower to spread the risk levels. Does that make sense? Yeah. That does Yeah.","start_word":5044,"end_word":5106,"sentiment":"neutral","sentiment_score":0.19460201263427737},{"text":"Cool.","start_word":5107,"end_word":5107,"sentiment":"positive","sentiment_score":0.40803128480911255},{"text":"You probably wanna go back and have a little bit of a read of those. But if you find you have any questions around the pro the portfolio, the profile that we're putting you make in, or any of the investments, sense.","start_word":5108,"end_word":5149,"sentiment":"neutral","sentiment_score":0.08859555742570333},{"text":"you're welcome to come back and let me know. I'm more than happy to take you through a deeper dive if that's what you'd like.","start_word":5150,"end_word":5174,"sentiment":"positive","sentiment_score":0.5854824185371399},{"text":"Okay?","start_word":5175,"end_word":5175,"sentiment":"neutral","sentiment_score":0.2937924563884735},{"text":"Yeah. Awesome. Thank you. That's okay.","start_word":5176,"end_word":5181,"sentiment":"positive","sentiment_score":0.5117238759994507},{"text":"The next page just shows you kind of the changes because we are making some changes to your investments there. The next page sort of shows you the changes in the asset allocation and what we sort of expect to see here. At the moment with your risk profile, as we noted, you are a high growth investor, and you have the time for that high growth investors are happy to keep their money generally invested for about eight to ten years, and you're still so young. You've got a lot of time ahead of you before you turn 60 and can access deeper. So we generally see about 90% in growth investments, and those things like Australian equities, international equities, Australian property, and international property. And then you also see about 10% in defensive investments, such Australian and international fixed interest and Australian cash and international cash there as well. We do also make sure to have a alternative asset allocation. It's not noted in the risk profile there, but we do add it in. Alternative assets tend to work in different ways. So, like, we have a bit of physical gold recommended in your portfolio, and you have some at the moment. Physical gold is a growth investment, but given different time frames and the way markets can react, gold can also be seen as a defensive investment. So it sort of works both ways for you. Okay? Okay. Yeah. So with the existing profile, with the way you are currently invested between your Aware Super and Hub 24, with the Aware Super and Hub 24, with the growth investments, you have about 78.5% in growth investments and about 20.5% in defensive investments and 1% in alternatives there. With what we're proposing, the changes that we're making to your your portfolio, it essentially means you'll increase your growth exposure by about 88 sorry. 288.1%. It's increasing by 1.9% there. And Yep. then we're gonna decrease your defensive position by that 5.1%. So you'll have about 4.9% invested there and then adding a higher amount of alternatives. So you'll have 7% in alternatives, meaning you have physical gold and some the VanEck property there. So you've got a bit of a a different assets that kind of mitigate the long term market flow, but investments that work both ways that are both gonna be growth and defensive in nature depending on what the per the portfolio and the market do and how things react. Does that make sense? K. Yeah. Yeah.","start_word":5182,"end_word":5603,"sentiment":"neutral","sentiment_score":0.13968144341314573},{"text":"Perfect.","start_word":5604,"end_word":5604,"sentiment":"positive","sentiment_score":0.4288957715034485},{"text":"I will let you go back and have a bit of a read through that. You've also got the advantages, disadvantages, and the risks involved there.","start_word":5605,"end_word":5630,"sentiment":"neutral","sentiment_score":0.15815116465091705},{"text":"Essentially, the benefits here are by moving and consolidating into one fund, you don't have to have two funds. It does lower your overall expenses a little bit, so you do save on your investment fees and your administration fees. Having one fund is in best interest because all your money is together. And when we look at the way investing works over longer term, more money makes more money. So having it all in one place is easier to manage for you, but it can also provide a greater effect on your long term goals as well.","start_word":5631,"end_word":5728,"sentiment":"positive","sentiment_score":0.5811182260513306},{"text":"Okay?","start_word":5729,"end_word":5729,"sentiment":"neutral","sentiment_score":0.30584514141082764},{"text":"Okay. Perfect.","start_word":5730,"end_word":5731,"sentiment":"positive","sentiment_score":0.4378663003444672},{"text":"The last part of the recommendation is the estate planning side of things. So I have made a recommendation that on your super, that we do make sure that your super is nominated to your LPR, so legal personal representative. So the way this essentially works is because you wanted to nominate your mom and dad if anything was to happen, under legislation, they actually can't be nominated as a beneficiary, the legislation states. So it has to be either a spouse, a child, a financial dependent, someone who relies on you for live everyday living expenses, or an interdependent relationship for someone who lives with you and, again, relies on you for day to day living. You pay all their bills, essentially. So, unfortunately, under the legislation, it does mean that your parents don't meet that definition. Sorry. Yeah. And we have at the moment, we do have your dad there, and he's noted on your super as spouse.","start_word":5732,"end_word":5891,"sentiment":"neutral","sentiment_score":0.060607314109802246},{"text":"Unfortunately, that's the way I have 24.","start_word":5892,"end_word":5898,"sentiment":"negative","sentiment_score":-0.4398857653141022},{"text":"I've noted it. So by changing the nomination to have a legal personal representative, it would say that exactly on your super fund. And in the event that something was to happen, you just need to make sure your will is updated to reflect that. So speak to a solicitor, have a will in place noting what you want to happen to your super and life proceeds in the event of passing. And Mhmm. if you were to pass away, then your dad could contact us. We would help with the claim because it would have LPR or legal personal representative noted on your super fund. The super fund will pay everything to your estate, and then it would all be distributed as per the wishes in your bill. With the way things are currently, because your dad is nominated then, it says spouse. If he was to make a claim on your super as it is, the everything would go through to the super fund. The trustee would look at it, but they would come back and say that the nomination is declined.","start_word":5899,"end_word":6082,"sentiment":"neutral","sentiment_score":0.011611209250986576},{"text":"Unfortunately, the definition isn't met, and they would decline to pay the funds, which can put a bit Mhmm. more stress and strain on your family.","start_word":6083,"end_word":6108,"sentiment":"negative","sentiment_score":-0.4413107931613922},{"text":"But then it would be up to the trustee to go and find who then to make the payment to. It can take a much longer process, and it has to go through a bit of a probate process.","start_word":6109,"end_word":6147,"sentiment":"neutral","sentiment_score":-0.22368435561656952},{"text":"So having the beneficiary nominated correctly can make the whole thing much easier.","start_word":6148,"end_word":6160,"sentiment":"positive","sentiment_score":0.3368798494338989},{"text":"In saying that, we certainly hope that nothing happens and that you get to retirement and you can use all this money yourself. Yeah.","start_word":6161,"end_word":6184,"sentiment":"neutral","sentiment_score":0.2438693940639496},{"text":"So I am gonna recommend that we update the beneficiary nomination, and our lovely admin team can help fill it out for you. So that way, you can just have it signed and witnessed to make it easier.","start_word":6185,"end_word":6222,"sentiment":"positive","sentiment_score":0.4016492068767547},{"text":"We are still recommending a binding, non lapsing nomination, which binds the trustee to follow the direction that is made. And non lapsing means you don't have to keep filling out beneficiary forms every couple of years. It would just stay in place for you until your circumstances change. Okay? Yeah.","start_word":6223,"end_word":6273,"sentiment":"neutral","sentiment_score":0.288498193025589},{"text":"Easy. Thank you. That's okay.","start_word":6274,"end_word":6278,"sentiment":"positive","sentiment_score":0.49980950355529785},{"text":"The last couple of things there are that we also recommend you that you do speak to a solicitor and make sure your will is up to date and maybe have it updated to reflect any changes to your wishes, making sure that you're super and your life insurance proceeds once this beneficiary nomination is updated, that they're accounted for as well. And having a power of attorney is also really important as well, Noting if anything was to happen to you and you were unable to make decisions on your behalf that you had chosen someone, and they know what your wishes are. Something that we do in this the industry see quite regularly where if something happens, someone's in hospital, they're unable to make decisions, and the enduring power of attorney is set up and it's put in place. So somebody else has to make decisions for that person, and they're not always made in accordance with the with the with the principal's wishes, which can be really, really difficult. So it is definitely worth seeking the services of a solicitor and having your will and power of attorney drawn up correctly so that everything that you want to happen, that your wishes are adhered to. Does that make sense? Yeah. That does make sense. There's something other Beautiful. quick file. No. That's okay.","start_word":6279,"end_word":6504,"sentiment":"neutral","sentiment_score":0.011878051795065405},{"text":"It's honestly fine.","start_word":6505,"end_word":6507,"sentiment":"positive","sentiment_score":0.4628438949584961},{"text":"The only other thing to kinda go through is that as I went through before, you are an ongoing service client. So it does mean that there's no upfront implementation fees for the advice. It is all provided to you under the ongoing service agreement. Essentially, we estimate that the total paid ongoing for the year is about $3,781. That's for the insurances and the super. For the super only, how much we expect to be paid is 2,104. When we are recommending insurances to you, I do have to let you know that we do receive money from the insurance company. So we receive remuneration from them for the recommendations. It has no reflect on what we recommend whatsoever. However, we do receive the remuneration. On new policies, we do receive 66% of the first year's premium and then 22% there ongoing. And with Clearview, we do currently receive 22% ongoing of the premiums as well. But as I kinda went through before, everything we do has to be in your best interest and here to meet your goals. So whilst we like to disclose the remuneration that we do receive, it has no effect in our recommendations. Everything I recommend has to be right to you. Okay? Yeah. Yeah.","start_word":6508,"end_word":6718,"sentiment":"neutral","sentiment_score":0.1065232852270818},{"text":"That makes Perfect. sense. Perfect.","start_word":6719,"end_word":6723,"sentiment":"positive","sentiment_score":0.4569831192493438},{"text":"I know that is a lot to go through.","start_word":6724,"end_word":6732,"sentiment":"neutral","sentiment_score":0.1323029100894928},{"text":"I'm happy to let you go back, have a bit of a read through everything, run your eyes over the advantages, disadvantages, risks involved.","start_word":6733,"end_word":6756,"sentiment":"positive","sentiment_score":0.3341712951660156},{"text":"Let me know if you do happen to have any questions there. If you decide you do wanna go ahead with the recommendations there, let us know. We'll get you to sign and return the document back, and then we'll book you in with our lovely admin team. They'll go through the insurance application for you. Once that is in place, then we'll complete the final rollover out of the where and get your contributions moved over, and that'll cancel the insurances. I wouldn't do any of that until we get the Encompass insurance in place first. It's important to make sure that you're always covered and keeping that level of cover in a way until we can roll everything over just means that you have that level of protection in the interim. Okay? Okay.","start_word":6757,"end_word":6891,"sentiment":"neutral","sentiment_score":0.08113449811935425},{"text":"Excellent. All good.","start_word":6892,"end_word":6894,"sentiment":"positive","sentiment_score":0.6391329169273376},{"text":"I also just wanted to let you know as well, like, having a look at your super funds, so as part of the documents here, we do have the new ongoing service agreement attached there for you to the DocuSign. Once you've gone through the statement of advice, the next document attached is the insurance quote, which runs you through what we've quoted and the ongoing service agreement as well.","start_word":6895,"end_word":6964,"sentiment":"neutral","sentiment_score":0.28171995282173157},{"text":"So if you're happy to say over the next twelve months, we'll get you to sign and return that one back. But your super fund within Hub twenty four for the last twelve months, you have also received a positive return of 7.96 percent. So your current portfolio has been performing quite well. The return is quite good for where you are.","start_word":6965,"end_word":7026,"sentiment":"positive","sentiment_score":0.5031269788742065},{"text":"It is a little bit low for where I'd expect a high growth investor to be receiving, and that is because Bennelong has pulled your returns back a little bit than seen as it's down since sort of November, December. But so that's kind of why we've made that recommendation and that investment switch for you. Okay? Gotcha. No worries. Aviso, do you have any questions? Do you wanna ask me anything at the moment? Yeah. It'll probably you know, like, it's all sounding pretty familiar, but I'll probably just Yeah. flick through a little bit more to get, like, some of that bigger picture stuff. But no. Thank you.","start_word":7027,"end_word":7136,"sentiment":"neutral","sentiment_score":0.02546798065304756},{"text":"Absolutely.","start_word":7137,"end_word":7137,"sentiment":"positive","sentiment_score":0.3705677390098572},{"text":"You absolutely That's smashed okay. it.","start_word":7138,"end_word":7143,"sentiment":"neutral","sentiment_score":0.26373714208602905},{"text":"Oh, thank you. Thank you so much for your time. I know you're busy, so I really appreciate you taking the the few minutes of oh, sorry, the twenty minutes to run through this with me.","start_word":7144,"end_word":7179,"sentiment":"positive","sentiment_score":0.46936243772506714},{"text":"I'll let you go back to run your eyes over it, maybe go have a cup of tea and take a breather. And then when you've got some time, come back and have a really good read to the document, and let me know if there's any questions whatsoever. There is no such thing as a silly question. If it comes to mind and you wanna ask it, you let me know. Okay?","start_word":7180,"end_word":7252,"sentiment":"neutral","sentiment_score":0.24690482020378113},{"text":"Alright. Thank you so much. Aw. Thank you so much, Danielle. You have a lovely afternoon. I'll talk to you soon. Thank you. Thanks. See you later.","start_word":7253,"end_word":7279,"sentiment":"positive","sentiment_score":0.6488591432571411},{"text":"Bye.","start_word":7280,"end_word":7280,"sentiment":"neutral","sentiment_score":0.27956146001815796}],"average":{"sentiment":"neutral","sentiment_score":0.1433253299780804}}}}