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Is now still a good time there for you? Yeah. You're right. Yeah. That's absolutely fine. Excellent. Now, Casper, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And do you happen to have access to your emails at the moment or not right now? You do? Fantastic. What I'll do is I'm just gonna send through the document to you. If I can get you just to pop into your emails there for me, we can just have a quick look at the document, and I can run through those recommendations there for you. Okay? Fantastic. Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that. How's your morning been so far? I know it's still quite early over there. Oh, I'm so sorry. Oh, hopefully, a speedy recovery. You're yeah. You're meant to fly back out tonight. Is that right? Back out to New Zealand? Tomorrow morning. Oh, did you get through the week of work before you caught the flu? Or oh, I'm so sorry to hear that. Hopefully, you feel a bit better soon. That's okay. So with the email, it should come through from OdooSign there. Essentially, when you open the email, you should see it. It'll have a little button to press to sign. You don't have to sign anything, but it just takes you through so you can review the document. Double check your spam boxes while your junk mail. Sometimes it goes through to there. Nothing there at all? It might take a minute or a little bit to come through. If it doesn't come through, that's okay. I can run through it for you. Okay. Let me just make sure that I can see that it has sent on this end for you. I'm just gonna press resend just to see if anything pops through now. Yeah. Yeah. No. That's okay. If it doesn't, that's absolutely fine. I can just run through the advice there for you or try to keep it as simple and as brief as possible, then let you go back and have a really good look at at it when it does happen to come through. It could just take a bit more time. Yeah. Nothing. Yeah. That's okay. I'll try to keep it as easy as possible for you. It is a bit harder when you're not looking at the document. But, essentially, with this one here on the front of the document, it will note there that the advice has been provided by yourself sorry, for yourself by my lovely team here at Oakview Financial. The date of the document is the 06/02/2026. Now advice is valid for sixty days from the date of the statement of advice for you. Okay? On the front page, you'll have my license number. So I am a licensed adviser through ASIC, and my registration number for your reference is 1304394. Okay? As you are going through those first few pages there, when you do get to look at the documents there, it will note that that we do provide advice under the best interest duty, which is a part of the corporations act. It's about making sure we understand what your goals are and what you're working towards and the advice is appropriate towards your goals, advice in order to help you meet your goals. But there's also a point where if we're unable to meet your goals, that the advice is reflective of that as well. Okay? Excellent. The areas that we are looking at at the moment are superannuation. So you were hoping to be able to access super at around about age 60. You were hoping to draw income of approximately 150,000 from both super and funds from a business that you do have in New Zealand there as well. We're so we're looking at ways to be able to provide additional growth and look at the best ways to structure your super so that it's low cost but also working harder for you. You did have an original goal with insurance of trying to get some new cover, some life, some TPDs, some income protection, and possibly trauma there as well. As per our last conversation, we did attempt to get new cover because you have physically you're living in New Zealand and just coming back to Australia for work whilst you are still a tax resident of Australia. We have been unable to get new cover due to that. And the other thing is when we look at your pre assessment, any new insurances would have quite a lot of loadings or any exclusions to them. So we've looked at the best yeah. Sure. Yeah. No. Correct. You're an Australian tax yeah. You're an Australian tax resident, and that's absolutely fine. However, you do go back to New Zealand when you're not at work. So they do consider that whilst you're Australian tax resident, they do consider you to be living in New Zealand. The insurers won't provide cover under that basis. But the other side of that is your pre assessment as we kinda went through. You did have some issues with your shoulders. You've got some mental health there. Any new cover would have additional excluding dental loading for any preexisting conditions. So it meant that if we were to apply for new cover, if we were able to get new cover, the mental health that you have, your, you know, most recent shoulder issues would mean that they would exclude those preexisting conditions. So the cover you have now is actually better because you can't, there's no loadings or exclusions on that cover. So you're more likely to claim on the cover you have now as opposed to any new cover that we were able to get. Does that make sense? Yeah. It's better to keep the cover with no loadings and or exclusions rather than apply for new cover and have exclusions on it where you can't claim for any of your preexisting conditions. Mhmm. Yeah. It's the same thing. Yeah. It's exactly the same thing as you're going to New Zealand. You're you're coming to Australia and you're working in Australia, so you're a tax resident, which is fine. But you're theoretically also then once you've finished your work, and you're going back overseas to another country. So they see that as you essentially not residing here. The insurers want you to be in the country for majority of your time, not just while you're at work, and that's the area they are that they have issues with. Yeah. Yeah. But look, honestly, the cover you have yeah. The problem with that is that you're non disclosing, so you're intentionally holding that information back from them, which means that they could put the cover in place. But if you then go to claim and they find out that you've intentionally not disclosed something or, you know, provide provided false information, then they won't pay the claim. You will have paid all those premiums, and they just turn around and say, you're not eligible for the claim. You weren't eligible to have the cover in the first place, and they won't refund you the premiums. Sure. Yeah. So you noticed and disclosed that you had some depression. So, essentially, because you've disclosed depression, they after 2020 and with COVID having been a thing, the insurers are very, very strict on mental health. So wherever you've had anxiety or depression or any kind of mental health related illnesses or any symptoms of mental health, they always exclude that. And, theoretically, mental health is one of the biggest things that is claimed on, especially for TBD and income protection. So they would have a preexisting condition. I would not like to cancel the cover you have now for cover that has any exclusions which stop you for claiming. Yeah. Yeah. They still have very big big on that, especially after COVID. Mental health is very, very huge at the moment. A lot of people being diagnosed with it. A lot of people have been feeling it, and it's one of the biggest things that is claimed on. So the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health. Yeah. Yeah. That's okay. That's all good. So, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there. In the event of passing, it does mean that you do have the existing cover amount of 160,000, and you've also got a 160,000 in TBD as well. So in the event of claiming for life and TBD, we can claim those amounts for you from from the ING super, and we can also claim against your your super, so your ING super account as well as your NetWell super account as well. So you can get additional benefit on top of that paid out. As I explained before, retaining those benefits is preferable because you don't have any loadings or exclusions applied to those, so you're more likely to claim on that cover. Any new cover, if we were able to get it, which we're unfortunately not able to due to your circumstances, would have loadings and or exclusions applied to the cover. So it does make it harder to claim on cover when you have loadings and exclusions, and loadings makes it more expensive. So, say, if your cover was to cost a $100 and they added a 100% loading onto that, your cover would be double the cost. So it does also have an effect on your super long time long term. Okay? So keeping your insurances in place with ING is the most preferable option at the moment, giving you a bit of cover, but also making sure that you're able to claim on that cover in the event that something was to happen to you. At the moment, we're also recommending that you do retain keep your employer contributions going into ING. Because your insurance cover is held there, we need to retain that insurance cover for the moment. You do need to keep those employer contributions going into ING. The other thing I did look at is yeah. Your employer contributions to go into your ING account. Yes. Well, they are going in there at the moment, aren't they? Let me double check. Yeah. Your employer contributions should are going into ING at the moment. They've never actually been moved away from ING. So let me double check with Netwealth to make sure nothing has changed there because your contributions going into ING is really important to retain that that insurance cover. So, yeah, we had a look. We hadn't seen anything coming in here just to make sure nothing's changed since we last looked at this. Where are we? Oh, yeah. I can see some employer contributions coming into here. Interesting. That's okay. We will provide the form so you can have that changed back so they go into your, the ING account. Because, realistically, you wanna make sure those contributions are going into the account with where your insurances are, and that's because under the legislation, if your super balance in that INT account falls below, generally, about $6,000 or if the employer contributions start going for a certain period of time, it does mean that the insurances are at risk of canceling. And if you the insurances do cancel, then you've got to apply for new cover, which means that there could be additional loadings or exclusions applied to the cover. So we'll make sure the form is provided to you to have those contributions redirected back to ING. Okay? Yeah. We'll help you with that, Casper. Then yeah. I'll double check that they've all come through as well. It looks like everything's fine there. Let me just have a quick look to see if they've all come through fine, because I believe you sent them back to the admin team. Three seconds. Yes. So they have all been received back, and they've been provided to Netwealth to have all that updated for you. Okay? Beautiful. Fantastic. Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while there. Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there. So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four. The main reason for this is that Hub twenty four is a much cheaper platform. It's actually cheaper in administration fees and investment fees, and paying less fees for your super platform is also gonna provide benefits with less money coming out of your super, which can provide greater compounding over the longer term. So I'm recommending that we do remove take everything out of Netwealth, and so we'll sell everything down from Netwealth and move you into a new platform called Hub twenty four. Hub twenty four has been around for a very long time. It's an Australian ASX listed company. You can Google them and have a really good look at them. I've also got the product disclosure statement attached to the email for you to review as well. Okay? Yeah. So when we kind of look at how this works over time by maneuvering and taking the funds out of Netwealth and putting it on into hub twenty four and the newer portfolio that we've been able to look at for you, it's actually providing a greater level of return. So your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform. And we're also gonna roll some funds out of ING. So you have about 14,000 in ING at the moment. We wanna move every all but 10,000. You'll keep 10,000 in your ING super and keep your contributions going in there, and then all the money from Netwealth moves into hub 24. That saves you, for the year, about $67 on administration fees and about a $126 for the year on investment fees. And the newer portfolio that we'll put you in has been performing, shown a five year rolling average of about 11.4% each year. So it has had a greater return over the past. So when you factor in the greater level of return plus the reduction in fees, it does mean that long term, it can have a greater effect for you. Does that make sense? Did you wanna ask any questions? Yeah. Your contributions? Yeah. So, essentially, with the recommendations there, we're gonna retain I n g. Your contributions will go into I n g. We'll keep the we'll keep your insurances in place within an ING super there. It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly. It looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING. We don't want money just sitting in ING, sitting in cash. We wanna make sure it's invested and still growing with the market as well. Okay? I'm sorry. What was that? I didn't, yeah, it didn't actually say we had your salary at anything. Your last disclosed salary you have was 100 and 80 thousand. Oh, fantastic. Oh, congratulations. That's well deserved. Yeah. That's okay. Not a problem at all. So as I kinda mentioned, we're gonna retain your ING, Super. We'll keep 10,000 in there, keep your contributions going into ING. We're gonna roll everything over the 10,000 into hub 24 and also move you from network into hub 24 as well. Within ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly. And then within within Hub twenty four, we're also gonna have your funds invested in a portfolio that has shown a greater level of return over the past. So, essentially, when your funds are invested within Hub twenty four Super, you'll see you've got some cybersecurity. You'll have some exposure to European assets at Japan. We've also got a all world excluding The US investment option for you to give you diversification. We'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities. You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well. So those sorts of investments give you diversification. This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward. One of the biggest things in why this is the best interest for you is that, Hub twenty four is cheaper than NetWell. So long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer. The more you pay in fees, the more it affects your long term projected outcome as well. Okay? Yeah. We yeah. So we'll have those contributions moved into I n g. That's that's correct. Yeah. We'll provide you with the forms to have your contributions moved. We'll just give that to you once the account is once the it's all ready to go. Once you've signed the advice, we'll give you the form for ING, and you can provide that to your employer. I can even email that to you today if you like. That way, you can send it off to your payroll team and ask them to have your contributions moved into ING. That's okay. Not a problem at all, Casper. Now the one thing I do like to let you know is we did obviously look at the taxation consequences. So moving funds from one super to another, your super fund does do a tax return every year. So we do estimate for moving from Netwealth to hub 24, the capital gains consequence would be $1,571. So net Netwealth will account for that taxation consequence. It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super. It's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there for you. Okay? You beautiful. We did sort of have a look and look just the outcome if you did stay in Netwealth is not bad in any way, shape, or form, but it is solely gonna be more expensive for you over the longer term, and the projected outcome that we did see with staying in net wealth was solely dependent on the returns. We do put projections in here for you, but it's important to note that projections are just projections. They're based on the return that the suit that the investments have received in the past, and we do know that returns can differ in the future because markets go up and markets go down. And you still have more than ten years ahead of you before being able to access your super. One thing that I did look at was your goal is to be able to, hopefully, at the age of 60, access income of about 150,000 from both your super and also from a business that you guys did have back in New Zealand as well. With that projected outcome, Sure. Oh, absolutely. 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Casper. It's Dana from Oakey Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in this morning just to run through your updated statement of advice. Is now still a good time there for you? Yeah. You're right. Yeah.\n\nThat's absolutely fine. Excellent. Now, Casper, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd do you happen to have access to your emails at the moment or not right now? You do? Fantastic. What I'll do is I'm just gonna send through the document to you. If I can get you just to pop into your emails there for me, we can just have a quick look at the document, and I can run through those recommendations there for you.\n\nOkay? Fantastic. Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic.\n\nThank you so much for that. How's your morning been so far? I know it's still quite early over there. Oh, I'm so sorry. Oh, hopefully, a speedy recovery.\n\nYou're yeah. You're meant to fly back out tonight. Is that right? Back out to New Zealand? Tomorrow morning.\n\nOh, did you get through the week of work before you caught the flu? Or oh, I'm so sorry to hear that. Hopefully, you feel a bit better soon. That's okay. So with the email, it should come through from OdooSign there.\n\nEssentially, when you open the email, you should see it. It'll have a little button to press to sign. You don't have to sign anything, but it just takes you through so you can review the document. Double check your spam boxes while your junk mail. Sometimes it goes through to there.\n\nNothing there at all? It might take a minute or a little bit to come through. If it doesn't come through, that's okay. I can run through it for you. Okay.\n\nLet me just make sure that I can see that it has sent on this end for you. I'm just gonna press resend just to see if anything pops through now. Yeah. Yeah. No.\n\nThat's okay. If it doesn't, that's absolutely fine. I can just run through the advice there for you or try to keep it as simple and as brief as possible, then let you go back and have a really good look at at it when it does happen to come through. It could just take a bit more time. Yeah.\n\nNothing. Yeah. That's okay. I'll try to keep it as easy as possible for you. It is a bit harder when you're not looking at the document.\n\nBut, essentially, with this one here on the front of the document, it will note there that the advice has been provided by yourself sorry, for yourself by my lovely team here at Oakview Financial. The date of the document is the 06/02/2026. Now advice is valid for sixty days from the date of the statement of advice for you. Okay? On the front page, you'll have my license number.\n\nSo I am a licensed adviser through ASIC, and my registration number for your reference is 1304394. Okay? As you are going through those first few pages there, when you do get to look at the documents there, it will note that that we do provide advice under the best interest duty, which is a part of the corporations act. It's about making sure we understand what your goals are and what you're working towards and the advice is appropriate towards your goals, advice in order to help you meet your goals. But there's also a point where if we're unable to meet your goals, that the advice is reflective of that as well.\n\nOkay? Excellent. The areas that we are looking at at the moment are superannuation. So you were hoping to be able to access super at around about age 60. You were hoping to draw income of approximately 150,000 from both super and funds from a business that you do have in New Zealand there as well.\n\nWe're so we're looking at ways to be able to provide additional growth and look at the best ways to structure your super so that it's low cost but also working harder for you. You did have an original goal with insurance of trying to get some new cover, some life, some TPDs, some income protection, and possibly trauma there as well. As per our last conversation, we did attempt to get new cover because you have physically you're living in New Zealand and just coming back to Australia for work whilst you are still a tax resident of Australia. We have been unable to get new cover due to that. And the other thing is when we look at your pre assessment, any new insurances would have quite a lot of loadings or any exclusions to them.\n\nSo we've looked at the best yeah. Sure. Yeah. No. Correct.\n\nYou're an Australian tax yeah. You're an Australian tax resident, and that's absolutely fine. However, you do go back to New Zealand when you're not at work. So they do consider that whilst you're Australian tax resident, they do consider you to be living in New Zealand. The insurers won't provide cover under that basis.\n\nBut the other side of that is your pre assessment as we kinda went through. You did have some issues with your shoulders. You've got some mental health there. Any new cover would have additional excluding dental loading for any preexisting conditions. So it meant that if we were to apply for new cover, if we were able to get new cover, the mental health that you have, your, you know, most recent shoulder issues would mean that they would exclude those preexisting conditions.\n\nSo the cover you have now is actually better because you can't, there's no loadings or exclusions on that cover. So you're more likely to claim on the cover you have now as opposed to any new cover that we were able to get. Does that make sense? Yeah. It's better to keep the cover with no loadings and or exclusions rather than apply for new cover and have exclusions on it where you can't claim for any of your preexisting conditions.\n\nMhmm. Yeah. It's the same thing. Yeah. It's exactly the same thing as you're going to New Zealand.\n\nYou're you're coming to Australia and you're working in Australia, so you're a tax resident, which is fine. But you're theoretically also then once you've finished your work, and you're going back overseas to another country. So they see that as you essentially not residing here. The insurers want you to be in the country for majority of your time, not just while you're at work, and that's the area they are that they have issues with. Yeah.\n\nYeah. But look, honestly, the cover you have yeah. The problem with that is that you're non disclosing, so you're intentionally holding that information back from them, which means that they could put the cover in place. But if you then go to claim and they find out that you've intentionally not disclosed something or, you know, provide provided false information, then they won't pay the claim. You will have paid all those premiums, and they just turn around and say, you're not eligible for the claim.\n\nYou weren't eligible to have the cover in the first place, and they won't refund you the premiums. Sure. Yeah. So you noticed and disclosed that you had some depression. So, essentially, because you've disclosed depression, they after 2020 and with COVID having been a thing, the insurers are very, very strict on mental health.\n\nSo wherever you've had anxiety or depression or any kind of mental health related illnesses or any symptoms of mental health, they always exclude that. And, theoretically, mental health is one of the biggest things that is claimed on, especially for TBD and income protection. So they would have a preexisting condition. I would not like to cancel the cover you have now for cover that has any exclusions which stop you for claiming. Yeah.\n\nYeah. They still have very big big on that, especially after COVID. Mental health is very, very huge at the moment. A lot of people being diagnosed with it. A lot of people have been feeling it, and it's one of the biggest things that is claimed on.\n\nSo the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health. Yeah. Yeah. That's okay. That's all good.\n\nSo, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there. In the event of passing, it does mean that you do have the existing cover amount of 160,000, and you've also got a 160,000 in TBD as well. So in the event of claiming for life and TBD, we can claim those amounts for you from from the ING super, and we can also claim against your your super, so your ING super account as well as your NetWell super account as well. So you can get additional benefit on top of that paid out. As I explained before, retaining those benefits is preferable because you don't have any loadings or exclusions applied to those, so you're more likely to claim on that cover.\n\nAny new cover, if we were able to get it, which we're unfortunately not able to due to your circumstances, would have loadings and or exclusions applied to the cover. So it does make it harder to claim on cover when you have loadings and exclusions, and loadings makes it more expensive. So, say, if your cover was to cost a $100 and they added a 100% loading onto that, your cover would be double the cost. So it does also have an effect on your super long time long term. Okay?\n\nSo keeping your insurances in place with ING is the most preferable option at the moment, giving you a bit of cover, but also making sure that you're able to claim on that cover in the event that something was to happen to you. At the moment, we're also recommending that you do retain keep your employer contributions going into ING. Because your insurance cover is held there, we need to retain that insurance cover for the moment. You do need to keep those employer contributions going into ING. The other thing I did look at is yeah.\n\nYour employer contributions to go into your ING account. Yes. Well, they are going in there at the moment, aren't they? Let me double check. Yeah.\n\nYour employer contributions should are going into ING at the moment. They've never actually been moved away from ING. So let me double check with Netwealth to make sure nothing has changed there because your contributions going into ING is really important to retain that that insurance cover. So, yeah, we had a look. We hadn't seen anything coming in here just to make sure nothing's changed since we last looked at this.\n\nWhere are we? Oh, yeah. I can see some employer contributions coming into here. Interesting. That's okay.\n\nWe will provide the form so you can have that changed back so they go into your, the ING account. Because, realistically, you wanna make sure those contributions are going into the account with where your insurances are, and that's because under the legislation, if your super balance in that INT account falls below, generally, about $6,000 or if the employer contributions start going for a certain period of time, it does mean that the insurances are at risk of canceling. And if you the insurances do cancel, then you've got to apply for new cover, which means that there could be additional loadings or exclusions applied to the cover. So we'll make sure the form is provided to you to have those contributions redirected back to ING. Okay?\n\nYeah. We'll help you with that, Casper. Then yeah. I'll double check that they've all come through as well. It looks like everything's fine there.\n\nLet me just have a quick look to see if they've all come through fine, because I believe you sent them back to the admin team. Three seconds. Yes. So they have all been received back, and they've been provided to Netwealth to have all that updated for you. Okay?\n\nBeautiful. Fantastic. Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while there. Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there. So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four.\n\nThe main reason for this is that Hub twenty four is a much cheaper platform. It's actually cheaper in administration fees and investment fees, and paying less fees for your super platform is also gonna provide benefits with less money coming out of your super, which can provide greater compounding over the longer term. So I'm recommending that we do remove take everything out of Netwealth, and so we'll sell everything down from Netwealth and move you into a new platform called Hub twenty four. Hub twenty four has been around for a very long time. It's an Australian ASX listed company.\n\nYou can Google them and have a really good look at them. I've also got the product disclosure statement attached to the email for you to review as well. Okay? Yeah. So when we kind of look at how this works over time by maneuvering and taking the funds out of Netwealth and putting it on into hub twenty four and the newer portfolio that we've been able to look at for you, it's actually providing a greater level of return.\n\nSo your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform. And we're also gonna roll some funds out of ING. So you have about 14,000 in ING at the moment. We wanna move every all but 10,000. You'll keep 10,000 in your ING super and keep your contributions going in there, and then all the money from Netwealth moves into hub 24.\n\nThat saves you, for the year, about $67 on administration fees and about a $126 for the year on investment fees. And the newer portfolio that we'll put you in has been performing, shown a five year rolling average of about 11.4% each year. So it has had a greater return over the past. So when you factor in the greater level of return plus the reduction in fees, it does mean that long term, it can have a greater effect for you. Does that make sense?\n\nDid you wanna ask any questions? Yeah. Your contributions? Yeah. So, essentially, with the recommendations there, we're gonna retain I n g.\n\nYour contributions will go into I n g. We'll keep the we'll keep your insurances in place within an ING super there. It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly. It looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING. We don't want money just sitting in ING, sitting in cash.\n\nWe wanna make sure it's invested and still growing with the market as well. Okay? I'm sorry. What was that? I didn't, yeah, it didn't actually say we had your salary at anything.\n\nYour last disclosed salary you have was 100 and 80 thousand. Oh, fantastic. Oh, congratulations. That's well deserved. Yeah.\n\nThat's okay. Not a problem at all. So as I kinda mentioned, we're gonna retain your ING, Super. We'll keep 10,000 in there, keep your contributions going into ING. We're gonna roll everything over the 10,000 into hub 24 and also move you from network into hub 24 as well.\n\nWithin ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly. And then within within Hub twenty four, we're also gonna have your funds invested in a portfolio that has shown a greater level of return over the past. So, essentially, when your funds are invested within Hub twenty four Super, you'll see you've got some cybersecurity. You'll have some exposure to European assets at Japan. We've also got a all world excluding The US investment option for you to give you diversification.\n\nWe'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities. You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well. So those sorts of investments give you diversification. This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward. One of the biggest things in why this is the best interest for you is that, Hub twenty four is cheaper than NetWell.\n\nSo long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer. The more you pay in fees, the more it affects your long term projected outcome as well. Okay? Yeah. We yeah.\n\nSo we'll have those contributions moved into I n g. That's that's correct. Yeah. We'll provide you with the forms to have your contributions moved. We'll just give that to you once the account is once the it's all ready to go.\n\nOnce you've signed the advice, we'll give you the form for ING, and you can provide that to your employer. I can even email that to you today if you like. That way, you can send it off to your payroll team and ask them to have your contributions moved into ING. That's okay. Not a problem at all, Casper.\n\nNow the one thing I do like to let you know is we did obviously look at the taxation consequences. So moving funds from one super to another, your super fund does do a tax return every year. So we do estimate for moving from Netwealth to hub 24, the capital gains consequence would be $1,571. So net Netwealth will account for that taxation consequence. It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super.\n\nIt's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there for you. Okay? You beautiful. We did sort of have a look and look just the outcome if you did stay in Netwealth is not bad in any way, shape, or form, but it is solely gonna be more expensive for you over the longer term, and the projected outcome that we did see with staying in net wealth was solely dependent on the returns. We do put projections in here for you, but it's important to note that projections are just projections.\n\nThey're based on the return that the suit that the investments have received in the past, and we do know that returns can differ in the future because markets go up and markets go down. And you still have more than ten years ahead of you before being able to access your super. One thing that I did look at was your goal is to be able to, hopefully, at the age of 60, access income of about 150,000 from both your super and also from a business that you guys did have back in New Zealand as well. With that projected outcome, Sure. Oh, absolutely.\n\nThat's okay.","paragraphs":[{"sentences":[{"text":"Hi, Casper.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.17232069373130798},{"text":"It's Dana from Oakey Financial.","start":2.6399999,"end":4.26,"sentiment":"neutral","sentiment_score":0.2154765397310257},{"text":"How are you this morning?","start":4.4,"end":5.7,"sentiment":"neutral","sentiment_score":0.2980212390422821},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6854475537935892},{"text":"Thank you.","start":8.4,"end":8.96,"sentiment":"positive","sentiment_score":0.7252598106861115}],"sentiment":"positive","sentiment_score":0.37758779788718505,"num_words":17,"start":2.0,"end":8.96},{"sentences":[{"text":"I had you booked in this morning just to run through your updated statement of advice.","start":8.96,"end":12.48,"sentiment":"positive","sentiment_score":0.34051267243921757},{"text":"Is now still a good time there for you?","start":12.48,"end":14.5,"sentiment":"neutral","sentiment_score":0.30795759956041974},{"text":"Yeah.","start":17.875,"end":18.115,"sentiment":"neutral","sentiment_score":-0.014318379573523998},{"text":"You're right.","start":18.115,"end":18.935,"sentiment":"neutral","sentiment_score":-0.026308481581509113},{"text":"Yeah.","start":20.755001,"end":21.255001,"sentiment":"neutral","sentiment_score":0.04232456535100937}],"sentiment":"neutral","sentiment_score":0.2825934612995078,"num_words":29,"start":8.96,"end":21.255001},{"sentences":[{"text":"That's absolutely fine.","start":21.715,"end":23.335,"sentiment":"neutral","sentiment_score":0.1533799817164739},{"text":"Excellent.","start":26.595001,"end":27.095001,"sentiment":"positive","sentiment_score":0.4269331097602844},{"text":"Now, Casper, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":27.69,"end":32.49,"sentiment":"neutral","sentiment_score":0.17878284143364948},{"text":"Are you happy for me to proceed with that?","start":32.49,"end":34.510002,"sentiment":"neutral","sentiment_score":0.1676170908742481},{"text":"Fantastic.","start":36.25,"end":36.75,"sentiment":"positive","sentiment_score":0.4588831663131714}],"sentiment":"neutral","sentiment_score":0.18828419978554184,"num_words":37,"start":21.715,"end":36.75},{"sentences":[{"text":"And do you happen to have access to your emails at the moment or not right now?","start":36.89,"end":41.07,"sentiment":"neutral","sentiment_score":0.0769012022544356},{"text":"You do?","start":42.825,"end":43.385002,"sentiment":"neutral","sentiment_score":0.013282638043165207},{"text":"Fantastic.","start":43.385002,"end":43.885002,"sentiment":"neutral","sentiment_score":0.31349554657936096},{"text":"What I'll do is I'm just gonna send through the document to you.","start":44.105,"end":47.225,"sentiment":"neutral","sentiment_score":0.183704850765375},{"text":"If I can get you just to pop into your emails there for me, we can just have a quick look at the document, and I can run through those recommendations there for you.","start":47.225,"end":54.425,"sentiment":"neutral","sentiment_score":0.18383552747614243}],"sentiment":"neutral","sentiment_score":0.15352167544969872,"num_words":67,"start":36.89,"end":54.425},{"sentences":[{"text":"Okay?","start":54.425,"end":54.925,"sentiment":"neutral","sentiment_score":0.10497113317251204},{"text":"Fantastic.","start":57.0,"end":57.5,"sentiment":"positive","sentiment_score":0.42764776945114136},{"text":"Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":57.88,"end":65.58,"sentiment":"neutral","sentiment_score":0.1754634603857994},{"text":"Yep.","start":71.815,"end":72.315,"sentiment":"neutral","sentiment_score":0.05244223400950432},{"text":"Fantastic.","start":80.31,"end":80.81,"sentiment":"positive","sentiment_score":0.53594970703125}],"sentiment":"neutral","sentiment_score":0.18649390781004177,"num_words":38,"start":54.425,"end":80.81},{"sentences":[{"text":"Thank you so much for that.","start":80.87,"end":82.229996,"sentiment":"positive","sentiment_score":0.6137005885442098},{"text":"How's your morning been so far?","start":82.229996,"end":83.75,"sentiment":"neutral","sentiment_score":0.27930447459220886},{"text":"I know it's still quite early over there.","start":83.75,"end":85.85,"sentiment":"neutral","sentiment_score":-0.0323550864122808},{"text":"Oh, I'm so sorry.","start":88.87,"end":90.33,"sentiment":"neutral","sentiment_score":-0.04264210723340511},{"text":"Oh, hopefully, a speedy recovery.","start":90.87,"end":94.585,"sentiment":"neutral","sentiment_score":0.22771626561880112}],"sentiment":"neutral","sentiment_score":0.20921388229933277,"num_words":29,"start":80.87,"end":94.585},{"sentences":[{"text":"You're yeah.","start":97.125,"end":98.505,"sentiment":"neutral","sentiment_score":0.013246622402220964},{"text":"You're meant to fly back out tonight.","start":98.725,"end":101.045,"sentiment":"neutral","sentiment_score":0.0017966487877336995},{"text":"Is that right?","start":101.045,"end":101.945,"sentiment":"neutral","sentiment_score":0.01529643964022398},{"text":"Back out to New Zealand?","start":102.165,"end":103.385,"sentiment":"neutral","sentiment_score":-0.022003829851746558},{"text":"Tomorrow morning.","start":103.765,"end":104.744995,"sentiment":"neutral","sentiment_score":0.0013490580022335052}],"sentiment":"neutral","sentiment_score":-0.0011769435797376853,"num_words":19,"start":97.125,"end":104.744995},{"sentences":[{"text":"Oh, did you get through the week of work before you caught the flu?","start":106.659996,"end":110.34,"sentiment":"neutral","sentiment_score":-0.07749975379556417},{"text":"Or oh, I'm so sorry to hear that.","start":110.34,"end":117.22,"sentiment":"negative","sentiment_score":-0.39670263323932886},{"text":"Hopefully, you feel a bit better soon.","start":117.22,"end":119.079994,"sentiment":"positive","sentiment_score":0.3434110369001116},{"text":"That's okay.","start":122.994995,"end":123.634995,"sentiment":"neutral","sentiment_score":0.13771061599254608},{"text":"So with the email, it should come through from OdooSign there.","start":123.634995,"end":126.774994,"sentiment":"neutral","sentiment_score":0.12352254919030449}],"sentiment":"neutral","sentiment_score":-0.005251692563650154,"num_words":42,"start":106.659996,"end":126.774994},{"sentences":[{"text":"Essentially, when you open the email, you should see it.","start":126.915,"end":129.555,"sentiment":"neutral","sentiment_score":0.10627130046486855},{"text":"It'll have a little button to press to sign.","start":129.555,"end":131.97499,"sentiment":"neutral","sentiment_score":0.09980235869685809},{"text":"You don't have to sign anything, but it just takes you through so you can review the document.","start":132.035,"end":137.39,"sentiment":"neutral","sentiment_score":0.10179993220501476},{"text":"Double check your spam boxes while your junk mail.","start":142.25,"end":145.68999,"sentiment":"neutral","sentiment_score":-0.16244829694430032},{"text":"Sometimes it goes through to there.","start":145.68999,"end":147.62999,"sentiment":"neutral","sentiment_score":-0.1002377700060606}],"sentiment":"neutral","sentiment_score":0.033266763847607836,"num_words":52,"start":126.915,"end":147.62999},{"sentences":[{"text":"Nothing there at all?","start":151.47499,"end":152.515,"sentiment":"neutral","sentiment_score":-0.16013184562325478},{"text":"It might take a minute or a little bit to come through.","start":152.515,"end":155.395,"sentiment":"neutral","sentiment_score":-0.09164516286303599},{"text":"If it doesn't come through, that's okay.","start":155.395,"end":157.155,"sentiment":"neutral","sentiment_score":-0.031687029105212004},{"text":"I can run through it for you.","start":157.155,"end":158.935,"sentiment":"neutral","sentiment_score":0.08258406232510294},{"text":"Okay.","start":163.89,"end":164.39,"sentiment":"neutral","sentiment_score":0.049057405441999435}],"sentiment":"neutral","sentiment_score":-0.04306234512478113,"num_words":31,"start":151.47499,"end":164.39},{"sentences":[{"text":"Let me just make sure that I can see that it has sent on this end for you.","start":166.05,"end":171.83,"sentiment":"neutral","sentiment_score":0.09109693972600831},{"text":"I'm just gonna press resend just to see if anything pops through now.","start":177.185,"end":181.605,"sentiment":"neutral","sentiment_score":0.05255462014331268},{"text":"Yeah.","start":194.88,"end":195.38,"sentiment":"neutral","sentiment_score":0.03751954436302185},{"text":"Yeah.","start":195.84,"end":196.34,"sentiment":"neutral","sentiment_score":0.01643429882824421},{"text":"No.","start":197.55501,"end":197.875,"sentiment":"neutral","sentiment_score":-0.08744412660598755}],"sentiment":"neutral","sentiment_score":0.06733719686813214,"num_words":34,"start":166.05,"end":197.875},{"sentences":[{"text":"That's okay.","start":197.875,"end":198.77501,"sentiment":"neutral","sentiment_score":-0.01967056840658188},{"text":"If it doesn't, that's absolutely fine.","start":198.835,"end":200.595,"sentiment":"neutral","sentiment_score":0.04234845067063967},{"text":"I can just run through the advice there for you or try to keep it as simple and as brief as possible, then let you go back and have a really good look at at it when it does happen to come through.","start":200.595,"end":209.975,"sentiment":"neutral","sentiment_score":0.13678881387377895},{"text":"It could just take a bit more time.","start":210.115,"end":212.25,"sentiment":"neutral","sentiment_score":0.1659744076896459},{"text":"Yeah.","start":212.55,"end":213.05,"sentiment":"neutral","sentiment_score":0.0232830960303545}],"sentiment":"neutral","sentiment_score":0.12412911535551151,"num_words":60,"start":197.875,"end":213.05},{"sentences":[{"text":"Nothing.","start":214.95,"end":215.45,"sentiment":"neutral","sentiment_score":-0.03781077265739441},{"text":"Yeah.","start":217.43,"end":217.93,"sentiment":"neutral","sentiment_score":0.03801432251930237},{"text":"That's okay.","start":218.31,"end":219.11,"sentiment":"neutral","sentiment_score":0.1499418392777443},{"text":"I'll try to keep it as easy as possible for you.","start":219.11,"end":221.43,"sentiment":"neutral","sentiment_score":0.21911656585606662},{"text":"It is a bit harder when you're not looking at the document.","start":221.43,"end":223.61,"sentiment":"neutral","sentiment_score":-0.24328473396599293}],"sentiment":"neutral","sentiment_score":-0.0077424946206587335,"num_words":27,"start":214.95,"end":223.61},{"sentences":[{"text":"But, essentially, with this one here on the front of the document, it will note there that the advice has been provided by yourself sorry, for yourself by my lovely team here at Oakview Financial.","start":224.295,"end":233.595,"sentiment":"neutral","sentiment_score":0.00822423164333616},{"text":"The date of the document is the 06/02/2026.","start":234.215,"end":237.335,"sentiment":"neutral","sentiment_score":0.02062055328860879},{"text":"Now advice is valid for sixty days from the date of the statement of advice for you.","start":237.335,"end":242.53,"sentiment":"neutral","sentiment_score":0.06185693293809891},{"text":"Okay?","start":242.53,"end":243.03,"sentiment":"neutral","sentiment_score":0.06057111918926239},{"text":"On the front page, you'll have my license number.","start":243.81,"end":245.97,"sentiment":"neutral","sentiment_score":0.07017991112338172}],"sentiment":"neutral","sentiment_score":0.03137958161532879,"num_words":70,"start":224.295,"end":245.97},{"sentences":[{"text":"So I am a licensed adviser through ASIC, and my registration number for your reference is 1304394.","start":245.97,"end":252.85,"sentiment":"neutral","sentiment_score":0.08032653831383761},{"text":"Okay?","start":252.85,"end":253.35,"sentiment":"neutral","sentiment_score":0.05932839587330818},{"text":"As you are going through those first few pages there, when you do get to look at the documents there, it will note that that we do provide advice under the best interest duty, which is a part of the corporations act.","start":254.955,"end":265.035,"sentiment":"neutral","sentiment_score":0.06380317741561503},{"text":"It's about making sure we understand what your goals are and what you're working towards and the advice is appropriate towards your goals, advice in order to help you meet your goals.","start":265.035,"end":274.27,"sentiment":"neutral","sentiment_score":0.1617033090442419},{"text":"But there's also a point where if we're unable to meet your goals, that the advice is reflective of that as well.","start":274.27,"end":279.49,"sentiment":"neutral","sentiment_score":-0.27833245626904746}],"sentiment":"neutral","sentiment_score":0.02768249868562347,"num_words":114,"start":245.97,"end":279.49},{"sentences":[{"text":"Okay?","start":279.55,"end":280.05,"sentiment":"neutral","sentiment_score":0.011245306581258774},{"text":"Excellent.","start":281.525,"end":282.025,"sentiment":"positive","sentiment_score":0.5132816433906555},{"text":"The areas that we are looking at at the moment are superannuation.","start":284.16498,"end":286.82498,"sentiment":"neutral","sentiment_score":0.0613740881284078},{"text":"So you were hoping to be able to access super at around about age 60.","start":287.205,"end":290.82498,"sentiment":"neutral","sentiment_score":0.1291194463769595},{"text":"You were hoping to draw income of approximately 150,000 from both super and funds from a business that you do have in New Zealand there as well.","start":291.205,"end":299.96,"sentiment":"neutral","sentiment_score":0.12271774311860402}],"sentiment":"neutral","sentiment_score":0.11627119227445551,"num_words":56,"start":279.55,"end":299.96},{"sentences":[{"text":"We're so we're looking at ways to be able to provide additional growth and look at the best ways to structure your super so that it's low cost but also working harder for you.","start":300.5,"end":309.225,"sentiment":"neutral","sentiment_score":0.3286044824430171},{"text":"You did have an original goal with insurance of trying to get some new cover, some life, some TPDs, some income protection, and possibly trauma there as well.","start":309.86502,"end":317.725,"sentiment":"neutral","sentiment_score":-0.12335964372115475},{"text":"As per our last conversation, we did attempt to get new cover because you have physically you're living in New Zealand and just coming back to Australia for work whilst you are still a tax resident of Australia.","start":318.185,"end":329.15002,"sentiment":"neutral","sentiment_score":-0.2325148072681929},{"text":"We have been unable to get new cover due to that.","start":329.69,"end":332.43002,"sentiment":"negative","sentiment_score":-0.5521608591079712},{"text":"And the other thing is when we look at your pre assessment, any new insurances would have quite a lot of loadings or any exclusions to them.","start":332.57,"end":340.035,"sentiment":"negative","sentiment_score":-0.3685123512038478}],"sentiment":"neutral","sentiment_score":-0.12420784949284533,"num_words":138,"start":300.5,"end":340.035},{"sentences":[{"text":"So we've looked at the best yeah.","start":340.035,"end":343.955,"sentiment":"neutral","sentiment_score":0.12703305376427515},{"text":"Sure.","start":343.955,"end":344.455,"sentiment":"neutral","sentiment_score":0.07242289185523987},{"text":"Yeah.","start":348.75497,"end":349.25497,"sentiment":"neutral","sentiment_score":-0.05758010596036911},{"text":"No.","start":353.73,"end":354.23,"sentiment":"neutral","sentiment_score":-0.1172412782907486},{"text":"Correct.","start":356.45,"end":356.77,"sentiment":"neutral","sentiment_score":-0.008133402094244957}],"sentiment":"neutral","sentiment_score":0.07079086198725483,"num_words":11,"start":340.035,"end":356.77},{"sentences":[{"text":"You're an Australian tax yeah.","start":356.77,"end":358.37,"sentiment":"neutral","sentiment_score":-0.004582134261727333},{"text":"You're an Australian tax resident, and that's absolutely fine.","start":358.37,"end":361.17,"sentiment":"neutral","sentiment_score":0.1582469923628701},{"text":"However, you do go back to New Zealand when you're not at work.","start":361.17,"end":364.61002,"sentiment":"neutral","sentiment_score":-0.0435826199559065},{"text":"So they do consider that whilst you're Australian tax resident, they do consider you to be living in New Zealand.","start":364.61002,"end":370.41498,"sentiment":"neutral","sentiment_score":-0.009632526990026235},{"text":"The insurers won't provide cover under that basis.","start":370.555,"end":373.29498,"sentiment":"neutral","sentiment_score":-0.19354353472590446}],"sentiment":"neutral","sentiment_score":-0.016477465765042738,"num_words":55,"start":356.77,"end":373.29498},{"sentences":[{"text":"But the other side of that is your pre assessment as we kinda went through.","start":374.235,"end":378.07498,"sentiment":"neutral","sentiment_score":-0.04530980090300242},{"text":"You did have some issues with your shoulders.","start":378.07498,"end":380.04,"sentiment":"neutral","sentiment_score":-0.13203656021505594},{"text":"You've got some mental health there.","start":380.04,"end":381.82,"sentiment":"neutral","sentiment_score":-0.14791364967823029},{"text":"Any new cover would have additional excluding dental loading for any preexisting conditions.","start":381.88,"end":387.1,"sentiment":"neutral","sentiment_score":-0.051281427821287744},{"text":"So it meant that if we were to apply for new cover, if we were able to get new cover, the mental health that you have, your, you know, most recent shoulder issues would mean that they would exclude those preexisting conditions.","start":387.24,"end":401.275,"sentiment":"neutral","sentiment_score":-0.07208094905529704}],"sentiment":"neutral","sentiment_score":-0.07520809303969145,"num_words":84,"start":374.235,"end":401.275},{"sentences":[{"text":"So the cover you have now is actually better because you can't, there's no loadings or exclusions on that cover.","start":401.335,"end":408.08002,"sentiment":"neutral","sentiment_score":0.1707317284308374},{"text":"So you're more likely to claim on the cover you have now as opposed to any new cover that we were able to get.","start":408.08002,"end":413.28,"sentiment":"neutral","sentiment_score":0.12101656074325244},{"text":"Does that make sense?","start":413.28,"end":414.34,"sentiment":"neutral","sentiment_score":0.09950155485421419},{"text":"Yeah.","start":415.2,"end":415.6,"sentiment":"neutral","sentiment_score":0.07278551161289215},{"text":"It's better to keep the cover with no loadings and or exclusions rather than apply for new cover and have exclusions on it where you can't claim for any of your preexisting conditions.","start":415.6,"end":425.705,"sentiment":"neutral","sentiment_score":0.026072417950314102}],"sentiment":"neutral","sentiment_score":0.09329528719323074,"num_words":82,"start":401.335,"end":425.705},{"sentences":[{"text":"Mhmm.","start":433.94,"end":434.44,"sentiment":"neutral","sentiment_score":0.00713740848004818},{"text":"Yeah.","start":444.02002,"end":444.52002,"sentiment":"neutral","sentiment_score":0.020777100697159767},{"text":"It's the same thing.","start":444.66,"end":446.12003,"sentiment":"neutral","sentiment_score":0.014729645103216171},{"text":"Yeah.","start":446.86502,"end":447.02502,"sentiment":"neutral","sentiment_score":0.1079346314072609},{"text":"It's exactly the same thing as you're going to New Zealand.","start":447.02502,"end":449.58502,"sentiment":"neutral","sentiment_score":0.11826772107319398}],"sentiment":"neutral","sentiment_score":0.08309514737791485,"num_words":18,"start":433.94,"end":449.58502},{"sentences":[{"text":"You're you're coming to Australia and you're working in Australia, so you're a tax resident, which is fine.","start":449.58502,"end":454.08502,"sentiment":"neutral","sentiment_score":0.1269644730620914},{"text":"But you're theoretically also then once you've finished your work, and you're going back overseas to another country.","start":454.385,"end":459.685,"sentiment":"neutral","sentiment_score":-0.06641165622406536},{"text":"So they see that as you essentially not residing here.","start":459.745,"end":463.72998,"sentiment":"neutral","sentiment_score":-0.06736314743757248},{"text":"The insurers want you to be in the country for majority of your time, not just while you're at work, and that's the area they are that they have issues with.","start":463.72998,"end":472.38998,"sentiment":"neutral","sentiment_score":-0.0792834359791971},{"text":"Yeah.","start":474.86502,"end":475.36502,"sentiment":"neutral","sentiment_score":0.003208340145647526}],"sentiment":"neutral","sentiment_score":-0.026131524955137417,"num_words":78,"start":449.58502,"end":475.36502},{"sentences":[{"text":"Yeah.","start":476.065,"end":476.545,"sentiment":"neutral","sentiment_score":0.005310722626745701},{"text":"But look, honestly, the cover you have yeah.","start":476.545,"end":479.525,"sentiment":"neutral","sentiment_score":-0.048339454806409776},{"text":"The problem with that is that you're non disclosing, so you're intentionally holding that information back from them, which means that they could put the cover in place.","start":485.265,"end":494.01,"sentiment":"neutral","sentiment_score":-0.28452776851398603},{"text":"But if you then go to claim and they find out that you've intentionally not disclosed something or, you know, provide provided false information, then they won't pay the claim.","start":494.01,"end":503.69,"sentiment":"negative","sentiment_score":-0.4597360004981359},{"text":"You will have paid all those premiums, and they just turn around and say, you're not eligible for the claim.","start":503.69,"end":508.815,"sentiment":"negative","sentiment_score":-0.4833292156457901}],"sentiment":"negative","sentiment_score":-0.36559593979397725,"num_words":87,"start":476.065,"end":508.815},{"sentences":[{"text":"You weren't eligible to have the cover in the first place, and they won't refund you the premiums.","start":508.815,"end":512.915,"sentiment":"negative","sentiment_score":-0.4140731311506695},{"text":"Sure.","start":515.615,"end":516.115,"sentiment":"neutral","sentiment_score":-0.006427175365388393},{"text":"Yeah.","start":518.67004,"end":519.07,"sentiment":"neutral","sentiment_score":-0.05195438489317894},{"text":"So you noticed and disclosed that you had some depression.","start":519.07,"end":521.73004,"sentiment":"neutral","sentiment_score":-0.17655002027750016},{"text":"So, essentially, because you've disclosed depression, they after 2020 and with COVID having been a thing, the insurers are very, very strict on mental health.","start":522.51,"end":532.505,"sentiment":"neutral","sentiment_score":-0.23175718605518342}],"sentiment":"neutral","sentiment_score":-0.2740205050022765,"num_words":55,"start":508.815,"end":532.505},{"sentences":[{"text":"So wherever you've had anxiety or depression or any kind of mental health related illnesses or any symptoms of mental health, they always exclude that.","start":532.505,"end":541.645,"sentiment":"neutral","sentiment_score":-0.2525014901161194},{"text":"And, theoretically, mental health is one of the biggest things that is claimed on, especially for TBD and income protection.","start":542.34503,"end":548.48004,"sentiment":"neutral","sentiment_score":-0.16901117227971554},{"text":"So they would have a preexisting condition.","start":548.62,"end":551.74,"sentiment":"neutral","sentiment_score":-0.2666845257793154},{"text":"I would not like to cancel the cover you have now for cover that has any exclusions which stop you for claiming.","start":551.74,"end":558.56,"sentiment":"negative","sentiment_score":-0.41166039217602124},{"text":"Yeah.","start":562.415,"end":562.815,"sentiment":"neutral","sentiment_score":-0.07926251739263535}],"sentiment":"neutral","sentiment_score":-0.27593791365623477,"num_words":75,"start":532.505,"end":562.815},{"sentences":[{"text":"Yeah.","start":562.815,"end":563.21497,"sentiment":"neutral","sentiment_score":-0.1217309758067131},{"text":"They still have very big big on that, especially after COVID.","start":563.21497,"end":567.13495,"sentiment":"negative","sentiment_score":-0.37201767618005926},{"text":"Mental health is very, very huge at the moment.","start":567.13495,"end":569.63495,"sentiment":"negative","sentiment_score":-0.5159751375516256},{"text":"A lot of people being diagnosed with it.","start":570.095,"end":571.855,"sentiment":"negative","sentiment_score":-0.44110164418816566},{"text":"A lot of people have been feeling it, and it's one of the biggest things that is claimed on.","start":571.855,"end":575.62,"sentiment":"negative","sentiment_score":-0.3529471700128756}],"sentiment":"negative","sentiment_score":-0.39776064657295745,"num_words":48,"start":562.815,"end":575.62},{"sentences":[{"text":"So the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health.","start":575.62,"end":589.725,"sentiment":"neutral","sentiment_score":-0.06965256058313746},{"text":"Yeah.","start":589.785,"end":590.285,"sentiment":"neutral","sentiment_score":0.03868775814771652},{"text":"Yeah.","start":592.58496,"end":593.08496,"sentiment":"neutral","sentiment_score":0.05864669382572174},{"text":"That's okay.","start":595.14496,"end":596.045,"sentiment":"positive","sentiment_score":0.5242539346218109},{"text":"That's all good.","start":596.105,"end":597.08496,"sentiment":"positive","sentiment_score":0.6153976718584696}],"sentiment":"neutral","sentiment_score":-0.005215463159536874,"num_words":54,"start":575.62,"end":597.08496},{"sentences":[{"text":"So, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there.","start":597.865,"end":608.68,"sentiment":"neutral","sentiment_score":0.08697436324187688},{"text":"In the event of passing, it does mean that you do have the existing cover amount of 160,000, and you've also got a 160,000 in TBD as well.","start":609.3,"end":619.245,"sentiment":"neutral","sentiment_score":0.08963239272790295},{"text":"So in the event of claiming for life and TBD, we can claim those amounts for you from from the ING super, and we can also claim against your your super, so your ING super account as well as your NetWell super account as well.","start":619.54504,"end":633.22003,"sentiment":"neutral","sentiment_score":0.21786631610658433},{"text":"So you can get additional benefit on top of that paid out.","start":633.22003,"end":636.92,"sentiment":"positive","sentiment_score":0.4738908608754476},{"text":"As I explained before, retaining those benefits is preferable because you don't have any loadings or exclusions applied to those, so you're more likely to claim on that cover.","start":637.78,"end":646.415,"sentiment":"neutral","sentiment_score":0.15218451452152482}],"sentiment":"neutral","sentiment_score":0.16709394698055127,"num_words":156,"start":597.865,"end":646.415},{"sentences":[{"text":"Any new cover, if we were able to get it, which we're unfortunately not able to due to your circumstances, would have loadings and or exclusions applied to the cover.","start":646.63495,"end":656.235,"sentiment":"neutral","sentiment_score":-0.21359418258070945},{"text":"So it does make it harder to claim on cover when you have loadings and exclusions, and loadings makes it more expensive.","start":656.235,"end":662.22,"sentiment":"neutral","sentiment_score":-0.278186479752714},{"text":"So, say, if your cover was to cost a $100 and they added a 100% loading onto that, your cover would be double the cost.","start":662.36,"end":669.88,"sentiment":"neutral","sentiment_score":-0.0998507571220398},{"text":"So it does also have an effect on your super long time long term.","start":669.88,"end":673.82,"sentiment":"neutral","sentiment_score":-0.020726511787090982},{"text":"Okay?","start":673.88,"end":674.38,"sentiment":"neutral","sentiment_score":0.0358395129442215}],"sentiment":"neutral","sentiment_score":-0.1660709631750765,"num_words":92,"start":646.63495,"end":674.38},{"sentences":[{"text":"So keeping your insurances in place with ING is the most preferable option at the moment, giving you a bit of cover, but also making sure that you're able to claim on that cover in the event that something was to happen to you.","start":676.41504,"end":687.12,"sentiment":"neutral","sentiment_score":0.15085591883821922},{"text":"At the moment, we're also recommending that you do retain keep your employer contributions going into ING.","start":688.08,"end":693.86,"sentiment":"neutral","sentiment_score":0.06198075106915306},{"text":"Because your insurance cover is held there, we need to retain that insurance cover for the moment.","start":694.0,"end":698.74,"sentiment":"neutral","sentiment_score":-0.00890374750665882},{"text":"You do need to keep those employer contributions going into ING.","start":699.36,"end":702.82,"sentiment":"neutral","sentiment_score":-0.08252309330485084},{"text":"The other thing I did look at is yeah.","start":703.65497,"end":707.915,"sentiment":"neutral","sentiment_score":-0.023074838436312146}],"sentiment":"neutral","sentiment_score":0.06555655017514161,"num_words":98,"start":676.41504,"end":707.915},{"sentences":[{"text":"Your employer contributions to go into your ING account.","start":712.535,"end":715.995,"sentiment":"neutral","sentiment_score":-0.033932308562927775},{"text":"Yes.","start":716.055,"end":716.555,"sentiment":"neutral","sentiment_score":0.006238928996026516},{"text":"Well, they are going in there at the moment, aren't they?","start":719.65,"end":723.03,"sentiment":"neutral","sentiment_score":-0.08879486166618088},{"text":"Let me double check.","start":725.49005,"end":726.71,"sentiment":"neutral","sentiment_score":-0.04737911745905876},{"text":"Yeah.","start":728.29004,"end":728.53,"sentiment":"neutral","sentiment_score":0.02636739611625671}],"sentiment":"neutral","sentiment_score":-0.055347861543011204,"num_words":26,"start":712.535,"end":728.53},{"sentences":[{"text":"Your employer contributions should are going into ING at the moment.","start":728.53,"end":733.07495,"sentiment":"neutral","sentiment_score":-0.025140454484657807},{"text":"They've never actually been moved away from ING.","start":733.07495,"end":735.315,"sentiment":"neutral","sentiment_score":-0.19976160489022732},{"text":"So let me double check with Netwealth to make sure nothing has changed there because your contributions going into ING is really important to retain that that insurance cover.","start":735.315,"end":749.52,"sentiment":"neutral","sentiment_score":-0.06149183419244043},{"text":"So, yeah, we had a look.","start":751.74,"end":753.02,"sentiment":"neutral","sentiment_score":0.023577643558382988},{"text":"We hadn't seen anything coming in here just to make sure nothing's changed since we last looked at this.","start":753.02,"end":758.24,"sentiment":"neutral","sentiment_score":-0.11808410326116964}],"sentiment":"neutral","sentiment_score":-0.07890456343350345,"num_words":73,"start":728.53,"end":758.24},{"sentences":[{"text":"Where are we?","start":760.285,"end":761.025,"sentiment":"neutral","sentiment_score":-0.05680643767118454},{"text":"Oh, yeah.","start":768.205,"end":769.325,"sentiment":"neutral","sentiment_score":0.038652077317237854},{"text":"I can see some employer contributions coming into here.","start":769.325,"end":772.465,"sentiment":"neutral","sentiment_score":0.024260921196805105},{"text":"Interesting.","start":772.83,"end":773.33,"sentiment":"neutral","sentiment_score":0.19595709443092343},{"text":"That's okay.","start":773.55005,"end":774.27,"sentiment":"neutral","sentiment_score":0.31053777039051056}],"sentiment":"neutral","sentiment_score":0.055427398094359565,"num_words":17,"start":760.285,"end":774.27},{"sentences":[{"text":"We will provide the form so you can have that changed back so they go into your, the ING account.","start":774.27,"end":780.43005,"sentiment":"neutral","sentiment_score":0.19597610272467136},{"text":"Because, realistically, you wanna make sure those contributions are going into the account with where your insurances are, and that's because under the legislation, if your super balance in that INT account falls below, generally, about $6,000 or if the employer contributions start going for a certain period of time, it does mean that the insurances are at risk of canceling.","start":780.43005,"end":802.13,"sentiment":"neutral","sentiment_score":-0.1289666495362266},{"text":"And if you the insurances do cancel, then you've got to apply for new cover, which means that there could be additional loadings or exclusions applied to the cover.","start":802.13,"end":809.97003,"sentiment":"neutral","sentiment_score":-0.23371179299107914},{"text":"So we'll make sure the form is provided to you to have those contributions redirected back to ING.","start":809.97003,"end":815.35004,"sentiment":"neutral","sentiment_score":0.1008384989367591},{"text":"Okay?","start":815.49,"end":815.99,"sentiment":"neutral","sentiment_score":0.08379194140434265}],"sentiment":"neutral","sentiment_score":-0.06842016001311384,"num_words":129,"start":774.27,"end":815.99},{"sentences":[{"text":"Yeah.","start":817.785,"end":818.185,"sentiment":"neutral","sentiment_score":0.13588380813598633},{"text":"We'll help you with that, Casper.","start":818.185,"end":819.625,"sentiment":"neutral","sentiment_score":0.15707682942350706},{"text":"Then yeah.","start":819.625,"end":828.605,"sentiment":"neutral","sentiment_score":0.10749549604952335},{"text":"I'll double check that they've all come through as well.","start":828.665,"end":830.83,"sentiment":"neutral","sentiment_score":0.2322944462299347},{"text":"It looks like everything's fine there.","start":830.83,"end":832.27,"sentiment":"positive","sentiment_score":0.4378738397111495}],"sentiment":"neutral","sentiment_score":0.24974093109369278,"num_words":25,"start":817.785,"end":832.27},{"sentences":[{"text":"Let me just have a quick look to see if they've all come through fine, because I believe you sent them back to the admin team.","start":832.27,"end":841.01,"sentiment":"neutral","sentiment_score":0.1361125148832798},{"text":"Three seconds.","start":843.80505,"end":849.885,"sentiment":"neutral","sentiment_score":0.05648849345743656},{"text":"Yes.","start":849.885,"end":850.385,"sentiment":"neutral","sentiment_score":0.15285581350326538},{"text":"So they have all been received back, and they've been provided to Netwealth to have all that updated for you.","start":850.445,"end":856.685,"sentiment":"neutral","sentiment_score":0.2437045991420746},{"text":"Okay?","start":856.685,"end":857.185,"sentiment":"neutral","sentiment_score":0.11693885177373886}],"sentiment":"neutral","sentiment_score":0.17591578043997289,"num_words":50,"start":832.27,"end":857.185},{"sentences":[{"text":"Beautiful.","start":859.31,"end":859.81,"sentiment":"positive","sentiment_score":0.7892786264419556},{"text":"Fantastic.","start":859.95,"end":860.45,"sentiment":"positive","sentiment_score":0.7612382173538208},{"text":"Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while there.","start":861.23,"end":866.76996,"sentiment":"neutral","sentiment_score":0.09504082697358998},{"text":"Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there.","start":866.83,"end":878.975,"sentiment":"neutral","sentiment_score":0.014445046790772013},{"text":"So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four.","start":878.975,"end":887.05,"sentiment":"neutral","sentiment_score":0.022036345054705937}],"sentiment":"neutral","sentiment_score":0.05467147170298401,"num_words":87,"start":859.31,"end":887.05},{"sentences":[{"text":"The main reason for this is that Hub twenty four is a much cheaper platform.","start":887.19,"end":891.29,"sentiment":"neutral","sentiment_score":0.2517497400442759},{"text":"It's actually cheaper in administration fees and investment fees, and paying less fees for your super platform is also gonna provide benefits with less money coming out of your super, which can provide greater compounding over the longer term.","start":891.35,"end":904.82495,"sentiment":"positive","sentiment_score":0.3427455933430256},{"text":"So I'm recommending that we do remove take everything out of Netwealth, and so we'll sell everything down from Netwealth and move you into a new platform called Hub twenty four.","start":905.445,"end":914.665,"sentiment":"neutral","sentiment_score":0.007779964110663821},{"text":"Hub twenty four has been around for a very long time.","start":914.78,"end":917.10004,"sentiment":"neutral","sentiment_score":0.07175444743850014},{"text":"It's an Australian ASX listed company.","start":917.10004,"end":919.18,"sentiment":"neutral","sentiment_score":0.13777072355151176}],"sentiment":"neutral","sentiment_score":0.18627869011377732,"num_words":102,"start":887.19,"end":919.18},{"sentences":[{"text":"You can Google them and have a really good look at them.","start":919.18,"end":921.58,"sentiment":"neutral","sentiment_score":0.2575055832664172},{"text":"I've also got the product disclosure statement attached to the email for you to review as well.","start":921.58,"end":927.12,"sentiment":"neutral","sentiment_score":0.12665087510557735},{"text":"Okay?","start":927.18,"end":927.68,"sentiment":"neutral","sentiment_score":0.03952716290950775},{"text":"Yeah.","start":936.895,"end":937.375,"sentiment":"neutral","sentiment_score":0.023062994703650475},{"text":"So when we kind of look at how this works over time by maneuvering and taking the funds out of Netwealth and putting it on into hub twenty four and the newer portfolio that we've been able to look at for you, it's actually providing a greater level of return.","start":937.375,"end":952.50995,"sentiment":"neutral","sentiment_score":0.1792180398851633}],"sentiment":"neutral","sentiment_score":0.1761311608378166,"num_words":81,"start":919.18,"end":952.50995},{"sentences":[{"text":"So your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform.","start":952.50995,"end":962.15497,"sentiment":"neutral","sentiment_score":0.19257357120513915},{"text":"And we're also gonna roll some funds out of ING.","start":962.455,"end":965.255,"sentiment":"neutral","sentiment_score":0.05610165698453784},{"text":"So you have about 14,000 in ING at the moment.","start":965.255,"end":968.3,"sentiment":"neutral","sentiment_score":0.06474197059869766},{"text":"We wanna move every all but 10,000.","start":968.3,"end":971.26,"sentiment":"neutral","sentiment_score":0.08699699917009898},{"text":"You'll keep 10,000 in your ING super and keep your contributions going in there, and then all the money from Netwealth moves into hub 24.","start":971.26,"end":979.92,"sentiment":"neutral","sentiment_score":0.1907586771249771}],"sentiment":"neutral","sentiment_score":0.1480613178996877,"num_words":77,"start":952.50995,"end":979.92},{"sentences":[{"text":"That saves you, for the year, about $67 on administration fees and about a $126 for the year on investment fees.","start":980.175,"end":988.355,"sentiment":"positive","sentiment_score":0.37389485112258364},{"text":"And the newer portfolio that we'll put you in has been performing, shown a five year rolling average of about 11.4% each year.","start":988.975,"end":997.23,"sentiment":"positive","sentiment_score":0.4547333237917527},{"text":"So it has had a greater return over the past.","start":997.23,"end":1000.29,"sentiment":"positive","sentiment_score":0.5161192238330841},{"text":"So when you factor in the greater level of return plus the reduction in fees, it does mean that long term, it can have a greater effect for you.","start":1000.43,"end":1008.83,"sentiment":"positive","sentiment_score":0.4225707773504586},{"text":"Does that make sense?","start":1008.83,"end":1009.97,"sentiment":"neutral","sentiment_score":0.18210330605506897}],"sentiment":"positive","sentiment_score":0.4190208773160803,"num_words":87,"start":980.175,"end":1009.97},{"sentences":[{"text":"Did you wanna ask any questions?","start":1013.325,"end":1015.10504,"sentiment":"neutral","sentiment_score":0.03599952192356189},{"text":"Yeah.","start":1018.04504,"end":1018.54504,"sentiment":"neutral","sentiment_score":0.012638683430850506},{"text":"Your contributions?","start":1023.25995,"end":1024.08,"sentiment":"neutral","sentiment_score":0.013402268290519714},{"text":"Yeah.","start":1026.94,"end":1027.44,"sentiment":"neutral","sentiment_score":0.07166235148906708},{"text":"So, essentially, with the recommendations there, we're gonna retain I n g.","start":1027.9,"end":1031.98,"sentiment":"neutral","sentiment_score":0.09277559382220109}],"sentiment":"neutral","sentiment_score":0.06547317404130643,"num_words":22,"start":1013.325,"end":1031.98},{"sentences":[{"text":"Your contributions will go into I n g.","start":1031.98,"end":1034.62,"sentiment":"neutral","sentiment_score":0.07238753559067845},{"text":"We'll keep the we'll keep your insurances in place within an ING super there.","start":1034.62,"end":1040.655,"sentiment":"neutral","sentiment_score":0.09078248111265046},{"text":"It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly.","start":1040.875,"end":1048.395,"sentiment":"neutral","sentiment_score":0.005581994950771332},{"text":"It looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING.","start":1048.395,"end":1058.16,"sentiment":"neutral","sentiment_score":0.024424086997492447},{"text":"We don't want money just sitting in ING, sitting in cash.","start":1058.4601,"end":1061.26,"sentiment":"neutral","sentiment_score":-0.08994981172409924}],"sentiment":"neutral","sentiment_score":0.019993873372515465,"num_words":94,"start":1031.98,"end":1061.26},{"sentences":[{"text":"We wanna make sure it's invested and still growing with the market as well.","start":1061.26,"end":1065.04,"sentiment":"neutral","sentiment_score":0.08026116740490709},{"text":"Okay?","start":1065.1001,"end":1065.6001,"sentiment":"neutral","sentiment_score":0.02510279417037964},{"text":"I'm sorry.","start":1092.575,"end":1093.0549,"sentiment":"neutral","sentiment_score":-0.027064322493970394},{"text":"What was that?","start":1093.0549,"end":1093.955,"sentiment":"neutral","sentiment_score":-0.02388686314225197},{"text":"I didn't, yeah, it didn't actually say we had your salary at anything.","start":1097.775,"end":1102.515,"sentiment":"neutral","sentiment_score":-0.01832110370294406}],"sentiment":"neutral","sentiment_score":0.023781683493518467,"num_words":33,"start":1061.26,"end":1102.515},{"sentences":[{"text":"Your last disclosed salary you have was 100 and 80 thousand.","start":1103.2949,"end":1112.63,"sentiment":"neutral","sentiment_score":0.01774428217587146},{"text":"Oh, fantastic.","start":1114.15,"end":1115.13,"sentiment":"positive","sentiment_score":0.457545667886734},{"text":"Oh, congratulations.","start":1116.31,"end":1117.13,"sentiment":"positive","sentiment_score":0.5063136219978333},{"text":"That's well deserved.","start":1117.67,"end":1118.81,"sentiment":"neutral","sentiment_score":0.2680903573830922},{"text":"Yeah.","start":1134.62,"end":1135.02,"sentiment":"neutral","sentiment_score":0.10191091895103456}],"sentiment":"neutral","sentiment_score":0.15942566709494904,"num_words":19,"start":1103.2949,"end":1135.02},{"sentences":[{"text":"That's okay.","start":1135.02,"end":1135.84,"sentiment":"neutral","sentiment_score":0.1701626032590866},{"text":"Not a problem at all.","start":1135.98,"end":1137.36,"sentiment":"neutral","sentiment_score":0.28768221139907835},{"text":"So as I kinda mentioned, we're gonna retain your ING, Super.","start":1137.82,"end":1141.04,"sentiment":"neutral","sentiment_score":0.18942276727069507},{"text":"We'll keep 10,000 in there, keep your contributions going into ING.","start":1141.1,"end":1145.12,"sentiment":"neutral","sentiment_score":0.17640737105499615},{"text":"We're gonna roll everything over the 10,000 into hub 24 and also move you from network into hub 24 as well.","start":1145.355,"end":1151.615,"sentiment":"neutral","sentiment_score":0.14436295876900354}],"sentiment":"neutral","sentiment_score":0.17668979838490487,"num_words":50,"start":1135.02,"end":1151.615},{"sentences":[{"text":"Within ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly.","start":1152.715,"end":1162.4299,"sentiment":"neutral","sentiment_score":0.17513186112046242},{"text":"And then within within Hub twenty four, we're also gonna have your funds invested in a portfolio that has shown a greater level of return over the past.","start":1163.5299,"end":1170.825,"sentiment":"neutral","sentiment_score":0.23730605468153954},{"text":"So, essentially, when your funds are invested within Hub twenty four Super, you'll see you've got some cybersecurity.","start":1171.065,"end":1176.7649,"sentiment":"neutral","sentiment_score":0.16797013746367562},{"text":"You'll have some exposure to European assets at Japan.","start":1177.065,"end":1180.365,"sentiment":"neutral","sentiment_score":0.06267209185494317},{"text":"We've also got a all world excluding The US investment option for you to give you diversification.","start":1180.985,"end":1186.7301,"sentiment":"neutral","sentiment_score":0.09327404201030731}],"sentiment":"neutral","sentiment_score":0.16780080135773728,"num_words":108,"start":1152.715,"end":1186.7301},{"sentences":[{"text":"We'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities.","start":1187.5901,"end":1195.3701,"sentiment":"neutral","sentiment_score":0.15084309068818888},{"text":"You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well.","start":1195.43,"end":1203.785,"sentiment":"neutral","sentiment_score":0.19202351924918948},{"text":"So those sorts of investments give you diversification.","start":1203.785,"end":1206.925,"sentiment":"neutral","sentiment_score":0.30336487852036953},{"text":"This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward.","start":1207.625,"end":1216.53,"sentiment":"positive","sentiment_score":0.4990443617105484},{"text":"One of the biggest things in why this is the best interest for you is that, Hub twenty four is cheaper than NetWell.","start":1216.67,"end":1223.31,"sentiment":"neutral","sentiment_score":0.331431679751562}],"sentiment":"neutral","sentiment_score":0.3082444018350457,"num_words":106,"start":1187.5901,"end":1223.31},{"sentences":[{"text":"So long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer.","start":1223.31,"end":1230.4349,"sentiment":"positive","sentiment_score":0.34932599487629806},{"text":"The more you pay in fees, the more it affects your long term projected outcome as well.","start":1230.735,"end":1236.015,"sentiment":"neutral","sentiment_score":0.19372043977765477},{"text":"Okay?","start":1236.015,"end":1236.515,"sentiment":"neutral","sentiment_score":0.09848017245531082},{"text":"Yeah.","start":1244.59,"end":1244.99,"sentiment":"neutral","sentiment_score":0.04390116035938263},{"text":"We yeah.","start":1244.99,"end":1248.59,"sentiment":"neutral","sentiment_score":0.06554660573601723}],"sentiment":"neutral","sentiment_score":0.26167195134384685,"num_words":43,"start":1223.31,"end":1248.59},{"sentences":[{"text":"So we'll have those contributions moved into I n g.","start":1248.59,"end":1251.57,"sentiment":"neutral","sentiment_score":0.055422293394804},{"text":"That's that's correct.","start":1255.765,"end":1257.045,"sentiment":"neutral","sentiment_score":0.2653845449288686},{"text":"Yeah.","start":1257.045,"end":1257.285,"sentiment":"neutral","sentiment_score":0.20557057857513428},{"text":"We'll provide you with the forms to have your contributions moved.","start":1257.285,"end":1260.665,"sentiment":"neutral","sentiment_score":0.18198542296886444},{"text":"We'll just give that to you once the account is once the it's all ready to go.","start":1260.885,"end":1265.66,"sentiment":"neutral","sentiment_score":0.19111696762197158}],"sentiment":"neutral","sentiment_score":0.16206607737001918,"num_words":42,"start":1248.59,"end":1265.66},{"sentences":[{"text":"Once you've signed the advice, we'll give you the form for ING, and you can provide that to your employer.","start":1265.66,"end":1270.54,"sentiment":"neutral","sentiment_score":0.15288598127663136},{"text":"I can even email that to you today if you like.","start":1270.54,"end":1272.62,"sentiment":"neutral","sentiment_score":0.24010571972890335},{"text":"That way, you can send it off to your payroll team and ask them to have your contributions moved into ING.","start":1272.62,"end":1278.08,"sentiment":"neutral","sentiment_score":0.19294419033186777},{"text":"That's okay.","start":1280.825,"end":1281.5449,"sentiment":"positive","sentiment_score":0.42803332209587097},{"text":"Not a problem at all, Casper.","start":1281.5449,"end":1283.085,"sentiment":"positive","sentiment_score":0.35936127603054047}],"sentiment":"neutral","sentiment_score":0.21271574733157952,"num_words":60,"start":1265.66,"end":1283.085},{"sentences":[{"text":"Now the one thing I do like to let you know is we did obviously look at the taxation consequences.","start":1283.865,"end":1287.885,"sentiment":"neutral","sentiment_score":0.06393826138228179},{"text":"So moving funds from one super to another, your super fund does do a tax return every year.","start":1287.945,"end":1293.3,"sentiment":"neutral","sentiment_score":0.09260302140480942},{"text":"So we do estimate for moving from Netwealth to hub 24, the capital gains consequence would be $1,571.","start":1293.38,"end":1302.5,"sentiment":"neutral","sentiment_score":0.06951882131397724},{"text":"So net Netwealth will account for that taxation consequence.","start":1302.5,"end":1306.74,"sentiment":"neutral","sentiment_score":0.11126530998282963},{"text":"It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super.","start":1306.74,"end":1315.975,"sentiment":"neutral","sentiment_score":0.07171505634837291}],"sentiment":"neutral","sentiment_score":0.07713796062902971,"num_words":99,"start":1283.865,"end":1315.975},{"sentences":[{"text":"It's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there for you.","start":1316.035,"end":1327.8438,"sentiment":"neutral","sentiment_score":0.23221523928291657},{"text":"Okay?","start":1327.8438,"end":1328.1578,"sentiment":"neutral","sentiment_score":0.09406031668186188},{"text":"You beautiful.","start":1328.1578,"end":1329.1002,"sentiment":"positive","sentiment_score":0.47026053816080093},{"text":"We did sort of have a look and look just the outcome if you did stay in Netwealth is not bad in any way, shape, or form, but it is solely gonna be more expensive for you over the longer term, and the projected outcome that we did see with staying in net wealth was solely dependent on the returns.","start":1329.1002,"end":1348.475,"sentiment":"neutral","sentiment_score":0.04089892463137706},{"text":"We do put projections in here for you, but it's important to note that projections are just projections.","start":1349.335,"end":1354.47,"sentiment":"neutral","sentiment_score":-0.03096605319943693}],"sentiment":"neutral","sentiment_score":0.09414300912100336,"num_words":115,"start":1316.035,"end":1354.47},{"sentences":[{"text":"They're based on the return that the suit that the investments have received in the past, and we do know that returns can differ in the future because markets go up and markets go down.","start":1354.47,"end":1367.13,"sentiment":"neutral","sentiment_score":-0.027878179188285557},{"text":"And you still have more than ten years ahead of you before being able to access your super.","start":1367.315,"end":1372.295,"sentiment":"neutral","sentiment_score":-0.0062242889155944186},{"text":"One thing that I did look at was your goal is to be able to, hopefully, at the age of 60, access income of about 150,000 from both your super and also from a business that you guys did have back in New Zealand as well.","start":1373.075,"end":1386.01,"sentiment":"neutral","sentiment_score":0.28520184884900635},{"text":"With that projected outcome, Sure.","start":1387.11,"end":1391.683,"sentiment":"neutral","sentiment_score":0.10898134000599384},{"text":"Oh, absolutely.","start":1396.063,"end":1397.203,"sentiment":"positive","sentiment_score":0.6076793670654297}],"sentiment":"neutral","sentiment_score":0.13011110385985308,"num_words":106,"start":1354.47,"end":1397.203},{"sentences":[{"text":"That's okay.","start":1399.5829,"end":1400.4829,"sentiment":"positive","sentiment_score":0.5402540564537048}],"sentiment":"positive","sentiment_score":0.5402540564537048,"num_words":2,"start":1399.5829,"end":1400.4829}]}}]},{"alternatives":[{"transcript":"Hello? Good. And yourself? Can you just give me one second? I'm just gonna turn off the light. Okay. And it's heavy. I'm silent. Yeah. Go ahead. Yeah. Yeah. That's all good. Thank you. Yeah. No. I do. Yep. All good. It's yesterday, I'm gonna start on the 05/22/1977, and it is 34 Nursery Place, Richlands, Brisbane 4077. Yeah. I've got a flu. So yeah. I'm in bed. Hey. That's all good. Yes. I hope so too. What's that? What's that? No. Tomorrow morning, flying back. Yeah. Just no. I've had it for a couple of days, but I didn't go to work last night. It's all good. I'm just trying to find the documents. And this time, I'm just going through all my box, and I can't see it yet. Yeah. That's just that's the one I'm on now and nothing there. Right. Yeah. There's nothing nothing yet by the looks of it. Okay. I'll give it a couple of seconds. Nothing currently. Yeah. And that's that's good. Yeah. That's from my truth. Yeah. Nothing has come through yet. I'll keep on looking while we while you're talking, but Yep. Yep. Yep. Yep. Yep. Yep. Can I just touch on that quickly, please? Even though I even though I go to New Zealand regularly, I'm not changing my address or anything. So I'm still technically Australian based, if you know what I mean. Yes. Mhmm. No. Yeah. Yeah. So what if I was, say, I mean, like, moving to Queensland now, but I I do fly out to New Zealand most of the times. What if I was, say, going to Bali every time I'm off? Is that basically enough to see me living in Bali? Okay. What if I didn't what if I didn't disclose that and so I'm just, like, taking a holiday every time I'm off? Yes. Other questions, what is the mental health side on my mental health that you got? Even though that is so long ago. Okay. Alrighty. Thank you. Yep. So that's all. All my super, I think, is going on my May 12. Do I have to have my super going to my NGS account? So I have to change that then? I'm sure when I signed up for work, I gave them my Metro stuff. So I just wanted to make sure. Yep. I'm talking about forms. Could you get my forms I sent through for my beneficiary? Okay. Thank you. Mhmm. So what's the difference between the two? Does it give me a bigger bigger return? Or Okay. No. No. That's all good. I'm just trying to load a password here so I can actually see. Yeah. Yeah. I just gonna get my laptop. Hang on a sec. I think I got a face that's saved on there. What did you say you have my sonar in? At? Yes. Fine. It's a hundred and eighty five. We just got a 5,005 thousand dollar is yeah. Yeah. You can keep talking. Just got a laptop for your nails so I can see where my what does it say on the price look? Yes. I'm just looking at the face look now. My front name is Metro Super Nation Personal Super, and that's $744.59. And then you just take that and put it in half 24. Is that correct? Yeah. Okay. Thank you. Okay. Yeah. That's good. Yes. So can I just interrupt you for a second? Can you give me a callback in two minutes? I just need to go and use the facilities quickly. Thank you. 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Good. And yourself? Can you just give me one second? I'm just gonna turn off the light.\n\nOkay. And it's heavy. I'm silent. Yeah. Go ahead.\n\nYeah. Yeah. That's all good. Thank you. Yeah.\n\nNo. I do. Yep. All good. It's yesterday, I'm gonna start on the 05/22/1977, and it is 34 Nursery Place, Richlands, Brisbane 4077.\n\nYeah. I've got a flu. So yeah. I'm in bed. Hey.\n\nThat's all good. Yes. I hope so too. What's that? What's that?\n\nNo. Tomorrow morning, flying back. Yeah. Just no. I've had it for a couple of days, but I didn't go to work last night.\n\nIt's all good. I'm just trying to find the documents. And this time, I'm just going through all my box, and I can't see it yet. Yeah. That's just that's the one I'm on now and nothing there.\n\nRight. Yeah. There's nothing nothing yet by the looks of it. Okay. I'll give it a couple of seconds.\n\nNothing currently. Yeah. And that's that's good. Yeah. That's from my truth.\n\nYeah. Nothing has come through yet. I'll keep on looking while we while you're talking, but Yep. Yep. Yep.\n\nYep. Yep. Yep. Can I just touch on that quickly, please? Even though I even though I go to New Zealand regularly, I'm not changing my address or anything.\n\nSo I'm still technically Australian based, if you know what I mean. Yes. Mhmm. No. Yeah.\n\nYeah. So what if I was, say, I mean, like, moving to Queensland now, but I I do fly out to New Zealand most of the times. What if I was, say, going to Bali every time I'm off? Is that basically enough to see me living in Bali? Okay.\n\nWhat if I didn't what if I didn't disclose that and so I'm just, like, taking a holiday every time I'm off? Yes. Other questions, what is the mental health side on my mental health that you got? Even though that is so long ago. Okay.\n\nAlrighty. Thank you. Yep. So that's all. All my super, I think, is going on my May 12.\n\nDo I have to have my super going to my NGS account? So I have to change that then? I'm sure when I signed up for work, I gave them my Metro stuff. So I just wanted to make sure. Yep.\n\nI'm talking about forms. Could you get my forms I sent through for my beneficiary? Okay. Thank you. Mhmm.\n\nSo what's the difference between the two? Does it give me a bigger bigger return? Or Okay. No. No.\n\nThat's all good. I'm just trying to load a password here so I can actually see. Yeah. Yeah. I just gonna get my laptop.\n\nHang on a sec. I think I got a face that's saved on there. What did you say you have my sonar in? At? Yes.\n\nFine. It's a hundred and eighty five. We just got a 5,005 thousand dollar is yeah. Yeah. You can keep talking.\n\nJust got a laptop for your nails so I can see where my what does it say on the price look? Yes. I'm just looking at the face look now. My front name is Metro Super Nation Personal Super, and that's $744.59. And then you just take that and put it in half 24.\n\nIs that correct? Yeah. Okay. Thank you. Okay.\n\nYeah. That's good. Yes. 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Yep.","start":214.325,"end":243.57,"sentiment":"neutral","sentiment_score":-0.020551712336865337},{"text":"Yep.","start":243.81001,"end":244.31001,"sentiment":"neutral","sentiment_score":0.07603219896554947},{"text":"Yep.","start":254.13,"end":254.63,"sentiment":"neutral","sentiment_score":0.07654163986444473}],"sentiment":"neutral","sentiment_score":-0.03286521342632018,"num_words":19,"start":212.80501,"end":254.63},{"sentences":[{"text":"Yep.","start":271.96,"end":272.46,"sentiment":"neutral","sentiment_score":0.0916009396314621},{"text":"Yep.","start":280.04,"end":280.54,"sentiment":"neutral","sentiment_score":0.14208325743675232},{"text":"Yep.","start":318.455,"end":318.955,"sentiment":"neutral","sentiment_score":-0.17925064265727997},{"text":"Can I just touch on that quickly, please?","start":340.805,"end":343.38498,"sentiment":"neutral","sentiment_score":0.17466310784220695},{"text":"Even though I even though I go to New Zealand regularly, I'm not changing my address or anything.","start":344.245,"end":351.86002,"sentiment":"neutral","sentiment_score":-0.11115976216064559}],"sentiment":"neutral","sentiment_score":-0.018935769025621742,"num_words":29,"start":271.96,"end":351.86002},{"sentences":[{"text":"So I'm still technically Australian based, if you know what I mean.","start":351.86002,"end":357.88,"sentiment":"neutral","sentiment_score":-0.06468247901648283},{"text":"Yes.","start":381.52,"end":382.02,"sentiment":"neutral","sentiment_score":-0.014480167999863625},{"text":"Mhmm.","start":386.25497,"end":386.75497,"sentiment":"neutral","sentiment_score":-0.0446031428873539},{"text":"No.","start":398.895,"end":399.27,"sentiment":"neutral","sentiment_score":-0.22943337261676788},{"text":"Yeah.","start":414.865,"end":415.365,"sentiment":"neutral","sentiment_score":0.05339764803647995}],"sentiment":"neutral","sentiment_score":-0.06320679897908121,"num_words":16,"start":351.86002,"end":415.365},{"sentences":[{"text":"Yeah.","start":424.865,"end":425.365,"sentiment":"neutral","sentiment_score":-0.006767770275473595},{"text":"So what if I was, say, I mean, like, moving to Queensland now, but I I do fly out to New Zealand most of the times.","start":426.385,"end":437.39,"sentiment":"neutral","sentiment_score":0.005610498886268873},{"text":"What if I was, say, going to Bali every time I'm off?","start":439.77,"end":443.325,"sentiment":"neutral","sentiment_score":-0.007832640937219063},{"text":"Is that basically enough to see me living in Bali?","start":443.64502,"end":446.625,"sentiment":"neutral","sentiment_score":0.010468779318034648},{"text":"Okay.","start":473.63,"end":474.13,"sentiment":"neutral","sentiment_score":-0.008869340643286705}],"sentiment":"neutral","sentiment_score":0.002818639241158962,"num_words":50,"start":424.865,"end":474.13},{"sentences":[{"text":"What if I didn't what if I didn't disclose that and so I'm just, like, taking a holiday every time I'm off?","start":477.625,"end":484.845,"sentiment":"neutral","sentiment_score":-0.08205476149239323},{"text":"Yes.","start":513.73,"end":513.97003,"sentiment":"neutral","sentiment_score":-0.01739901304244995},{"text":"Other questions, what is the mental health side on my mental health that you got?","start":513.97003,"end":518.23,"sentiment":"neutral","sentiment_score":-0.024756798520684242},{"text":"Even though that is so long ago.","start":559.435,"end":561.535,"sentiment":"neutral","sentiment_score":-0.23780777837548936},{"text":"Okay.","start":593.13995,"end":593.62,"sentiment":"neutral","sentiment_score":0.10549716651439668}],"sentiment":"neutral","sentiment_score":-0.08158941360433465,"num_words":46,"start":477.625,"end":593.62},{"sentences":[{"text":"Alrighty.","start":593.62,"end":594.12,"sentiment":"neutral","sentiment_score":0.2853599190711975},{"text":"Thank you.","start":594.25995,"end":595.0,"sentiment":"positive","sentiment_score":0.6614653766155243},{"text":"Yep.","start":675.31,"end":675.81,"sentiment":"neutral","sentiment_score":0.07622478902339935},{"text":"So that's all.","start":703.92,"end":706.655,"sentiment":"neutral","sentiment_score":-0.030945589765906334},{"text":"All my super, I think, is going on my May 12.","start":706.655,"end":709.05505,"sentiment":"neutral","sentiment_score":0.015264497561888262}],"sentiment":"neutral","sentiment_score":0.09775489806714985,"num_words":18,"start":593.62,"end":709.05505},{"sentences":[{"text":"Do I have to have my super going to my NGS account?","start":709.05505,"end":711.955,"sentiment":"neutral","sentiment_score":-0.022044964600354433},{"text":"So I have to change that then?","start":717.455,"end":718.98,"sentiment":"neutral","sentiment_score":-0.04294359417898314},{"text":"I'm sure when I signed up for work, I gave them my Metro stuff.","start":762.385,"end":765.825,"sentiment":"neutral","sentiment_score":0.02490572298743895},{"text":"So I just wanted to make sure.","start":765.825,"end":776.98,"sentiment":"neutral","sentiment_score":0.040283960689391406},{"text":"Yep.","start":816.875,"end":817.375,"sentiment":"neutral","sentiment_score":0.10489790141582488}],"sentiment":"neutral","sentiment_score":0.004156610088014021,"num_words":41,"start":709.05505,"end":817.375},{"sentences":[{"text":"I'm talking about forms.","start":818.55505,"end":820.155,"sentiment":"neutral","sentiment_score":0.1135224187746644},{"text":"Could you get my forms I sent through for my beneficiary?","start":820.155,"end":826.95,"sentiment":"neutral","sentiment_score":0.117093871940266},{"text":"Okay.","start":857.83997,"end":858.33997,"sentiment":"neutral","sentiment_score":0.24821344017982483},{"text":"Thank you.","start":858.39996,"end":866.675,"sentiment":"positive","sentiment_score":0.4375839903950691},{"text":"Mhmm.","start":905.85004,"end":906.35004,"sentiment":"neutral","sentiment_score":0.07917000353336334}],"sentiment":"neutral","sentiment_score":0.15498282583920578,"num_words":19,"start":818.55505,"end":906.35004},{"sentences":[{"text":"So what's the difference between the two?","start":928.65,"end":930.73004,"sentiment":"neutral","sentiment_score":-0.007086545495050294},{"text":"Does it give me a bigger bigger return?","start":930.73004,"end":935.63,"sentiment":"neutral","sentiment_score":0.0028083662036806345},{"text":"Or Okay.","start":935.69,"end":1010.99,"sentiment":"neutral","sentiment_score":0.04191526770591736},{"text":"No.","start":1015.78503,"end":1016.10504,"sentiment":"neutral","sentiment_score":-0.06257832795381546},{"text":"No.","start":1016.10504,"end":1016.34503,"sentiment":"neutral","sentiment_score":-0.05073387920856476}],"sentiment":"neutral","sentiment_score":-0.0029800295045501308,"num_words":19,"start":928.65,"end":1016.34503},{"sentences":[{"text":"That's all good.","start":1016.34503,"end":1017.065,"sentiment":"neutral","sentiment_score":0.06271462390820186},{"text":"I'm just trying to load a password here so I can actually see.","start":1017.065,"end":1020.925,"sentiment":"neutral","sentiment_score":0.016874813116513766},{"text":"Yeah.","start":1025.305,"end":1025.805,"sentiment":"neutral","sentiment_score":0.05068568512797356},{"text":"Yeah.","start":1066.675,"end":1067.175,"sentiment":"neutral","sentiment_score":0.02271381765604019},{"text":"I just gonna get my laptop.","start":1067.395,"end":1069.3151,"sentiment":"neutral","sentiment_score":0.016492455266416073}],"sentiment":"neutral","sentiment_score":0.02416127819257478,"num_words":24,"start":1016.34503,"end":1069.3151},{"sentences":[{"text":"Hang on a sec.","start":1069.3151,"end":1070.115,"sentiment":"neutral","sentiment_score":0.01671956991776824},{"text":"I think I got a face that's saved on there.","start":1070.115,"end":1072.295,"sentiment":"neutral","sentiment_score":0.010950800962746143},{"text":"What did you say you have my sonar in?","start":1088.81,"end":1091.115,"sentiment":"neutral","sentiment_score":-0.0036439429451194075},{"text":"At?","start":1094.315,"end":1094.815,"sentiment":"neutral","sentiment_score":-0.013819647952914238},{"text":"Yes.","start":1108.09,"end":1108.59,"sentiment":"neutral","sentiment_score":0.023461954668164253}],"sentiment":"neutral","sentiment_score":0.00612932438030839,"num_words":25,"start":1069.3151,"end":1108.59},{"sentences":[{"text":"Fine.","start":1109.13,"end":1109.63,"sentiment":"neutral","sentiment_score":0.08084433525800705},{"text":"It's a hundred and eighty five.","start":1110.01,"end":1111.37,"sentiment":"neutral","sentiment_score":0.07225971793135007},{"text":"We just got a 5,005 thousand dollar is yeah.","start":1111.37,"end":1117.165,"sentiment":"neutral","sentiment_score":0.17481594615512425},{"text":"Yeah.","start":1118.025,"end":1118.525,"sentiment":"neutral","sentiment_score":0.28660690784454346},{"text":"You can keep talking.","start":1123.7051,"end":1124.985,"sentiment":"neutral","sentiment_score":0.09106412623077631}],"sentiment":"neutral","sentiment_score":0.1304099795718988,"num_words":21,"start":1109.13,"end":1124.985},{"sentences":[{"text":"Just got a laptop for your nails so I can see where my what does it say on the price look?","start":1124.985,"end":1133.82,"sentiment":"neutral","sentiment_score":0.015883014670440128},{"text":"Yes.","start":1237.35,"end":1237.75,"sentiment":"neutral","sentiment_score":0.10996663570404051},{"text":"I'm just looking at the face look now.","start":1237.75,"end":1239.83,"sentiment":"neutral","sentiment_score":0.05477327201515436},{"text":"My front name is Metro Super Nation Personal Super, and that's $744.59.","start":1239.83,"end":1247.695,"sentiment":"neutral","sentiment_score":0.0659928444462518},{"text":"And then you just take that and put it in half 24.","start":1251.995,"end":1254.955,"sentiment":"neutral","sentiment_score":0.04378707241266966}],"sentiment":"neutral","sentiment_score":0.040723243003918067,"num_words":54,"start":1124.985,"end":1254.955},{"sentences":[{"text":"Is that correct?","start":1254.955,"end":1255.74,"sentiment":"neutral","sentiment_score":0.045886971056461334},{"text":"Yeah.","start":1279.0751,"end":1279.475,"sentiment":"neutral","sentiment_score":0.1465039849281311},{"text":"Okay.","start":1279.475,"end":1279.875,"sentiment":"neutral","sentiment_score":0.2442535161972046},{"text":"Thank you.","start":1279.875,"end":1280.6951,"sentiment":"positive","sentiment_score":0.5723980367183685},{"text":"Okay.","start":1327.0249,"end":1327.5249,"sentiment":"neutral","sentiment_score":0.17815515398979187}],"sentiment":"neutral","sentiment_score":0.23142120521515608,"num_words":8,"start":1254.955,"end":1327.5249},{"sentences":[{"text":"Yeah.","start":1328.465,"end":1328.7849,"sentiment":"positive","sentiment_score":0.3731616139411926},{"text":"That's good.","start":1328.7849,"end":1329.605,"sentiment":"positive","sentiment_score":0.6187681555747986},{"text":"Yes.","start":1385.475,"end":1385.64,"sentiment":"neutral","sentiment_score":0.13371261954307556},{"text":"So can I just interrupt you for a second?","start":1388.2001,"end":1390.4401,"sentiment":"neutral","sentiment_score":-0.02857104316353798},{"text":"Can you give me a callback in two minutes?","start":1390.4401,"end":1392.68,"sentiment":"neutral","sentiment_score":-0.013424452187286483}],"sentiment":"neutral","sentiment_score":0.0621114130216566,"num_words":22,"start":1328.465,"end":1392.68},{"sentences":[{"text":"I just need to go and use the facilities quickly.","start":1392.68,"end":1395.98,"sentiment":"neutral","sentiment_score":0.012024332582950593},{"text":"Thank you.","start":1398.3829,"end":1399.1229,"sentiment":"positive","sentiment_score":0.7749256491661072},{"text":"Bye.","start":1401.3429,"end":1401.8429,"sentiment":"neutral","sentiment_score":-0.13165970146656036}],"sentiment":"neutral","sentiment_score":0.11834114789962769,"num_words":13,"start":1392.68,"end":1401.8429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Casper. It's Dana from Oakey Financial. How are you this morning?\n\nChannel 1: Good. And yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in this morning just to run through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Can you just give me one second? I'm just gonna turn off the light.\n\nChannel 0: Yeah. You're\n\nChannel 1: Okay.\n\nChannel 0: right.\n\nChannel 1: And it's heavy. I'm silent.\n\nChannel 0: Yeah. That's absolutely fine.\n\nChannel 1: Yeah. Go ahead.\n\nChannel 0: Excellent. Now, Casper, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. That's all good. Thank you.\n\nChannel 0: Fantastic. And do you happen to have access to your emails at the moment or not right now?\n\nChannel 1: Yeah. No. I do.\n\nChannel 0: You do? Fantastic. What I'll do is I'm just gonna send through the document to you. If I can get you just to pop into your emails there for me, we can just have a quick look at the document, and I can run through those recommendations there for you. Okay?\n\nChannel 1: Yep. All good.\n\nChannel 0: Fantastic. Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: It's yesterday, I'm gonna start on the 05/22/1977,\n\nChannel 0: Yep.\n\nChannel 1: and it is 34 Nursery Place, Richlands, Brisbane 4077.\n\nChannel 0: Fantastic. Thank you so much for that. How's your morning been so far? I know it's still quite early over there.\n\nChannel 1: Yeah. I've got a flu. So yeah.\n\nChannel 0: Oh,\n\nChannel 1: I'm\n\nChannel 0: I'm\n\nChannel 1: in bed.\n\nChannel 0: so sorry.\n\nChannel 1: Hey.\n\nChannel 0: Oh,\n\nChannel 1: That's all good.\n\nChannel 0: hopefully, a speedy recovery.\n\nChannel 1: Yes. I hope so too.\n\nChannel 0: You're\n\nChannel 1: What's that? What's\n\nChannel 0: yeah. You're meant to\n\nChannel 1: that?\n\nChannel 0: fly back out tonight. Is that right? Back out\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: Tomorrow\n\nChannel 0: New Zealand?\n\nChannel 1: morning,\n\nChannel 0: Tomorrow\n\nChannel 1: flying\n\nChannel 0: morning.\n\nChannel 1: back. Yeah.\n\nChannel 0: Oh, did you get through\n\nChannel 1: Just\n\nChannel 0: the week of work before you caught the flu? Or\n\nChannel 1: no. I've had it for a couple of days, but I didn't go to work last night. It's\n\nChannel 0: oh, I'm so sorry to hear that. Hopefully, you feel\n\nChannel 1: all\n\nChannel 0: a bit\n\nChannel 1: good.\n\nChannel 0: better soon.\n\nChannel 1: I'm just trying to find the documents.\n\nChannel 0: That's okay. So with the email, it should come through from OdooSign there. Essentially, when you open the email, you should see it. It'll have a little button to press to sign. You don't have to sign anything, but it just takes you through so you can review the document.\n\nChannel 1: And this time, I'm just going through all my box, and I can't see it\n\nChannel 0: Double check your spam boxes while your junk mail. Sometimes it goes through to\n\nChannel 1: yet.\n\nChannel 0: there.\n\nChannel 1: Yeah. That's just that's the one I'm on now and nothing there.\n\nChannel 0: Nothing there at all? It might take a minute or a little bit to come through. If it doesn't come through, that's okay. I can run through it for you.\n\nChannel 1: Right. Yeah. There's nothing nothing yet by the looks of it.\n\nChannel 0: Okay. Let me just make sure that I can see that it has sent on this end for you. I'm just gonna press resend just to see if anything pops through now.\n\nChannel 1: Okay. I'll give it a couple of seconds.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Nothing currently.\n\nChannel 0: No. That's okay. If it doesn't, that's absolutely fine. I can just run through the advice there for you or try to keep it as simple and as brief as possible, then let you go back and have a really good look at at it when it does happen to come\n\nChannel 1: Yeah.\n\nChannel 0: through. It\n\nChannel 1: And that's\n\nChannel 0: could\n\nChannel 1: that's\n\nChannel 0: just take\n\nChannel 1: good.\n\nChannel 0: a bit\n\nChannel 1: Yeah.\n\nChannel 0: more time.\n\nChannel 1: That's from my truth.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Nothing has come through yet. I'll keep on\n\nChannel 0: Nothing.\n\nChannel 1: looking while we while you're talking, but\n\nChannel 0: Yeah. That's okay. I'll try to keep it as easy as possible for you. It is a bit harder when you're not looking at the document. But, essentially, with this one here on the front of the document, it will note there that the advice has been provided by yourself sorry, for yourself by my lovely team here at Oakview Financial.\n\nThe date of the document is the 06/02/2026. Now advice is valid for sixty days from the date of the statement of advice for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: On\n\nChannel 1: Yep.\n\nChannel 0: the front page, you'll have my license number. So I am a licensed adviser through ASIC, and my registration number for your reference is 1304394. Okay?\n\nChannel 1: Yep.\n\nChannel 0: As you are going through those first few pages there, when you do get to look at the documents there, it will note that that we do provide advice under the best interest duty, which is a part of the corporations act. It's about making sure we understand what your goals are and what you're working towards and the advice is appropriate towards your goals,\n\nChannel 1: Yep.\n\nChannel 0: advice in order to help you meet your goals. But there's also a point where if we're unable to meet your goals, that the advice is reflective of that as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The areas that we are looking at at the moment are superannuation. So you were hoping to be able to access super at around about age 60. You were hoping to draw income of approximately 150,000 from both super and funds from a business that you do have in New Zealand there as well. We're so we're looking at ways to be able to provide additional growth and look at the best ways to structure your super so that it's low cost but also working harder for you.\n\nYou did have an original goal with insurance of trying to get some new cover, some life, some TPDs, some income protection, and possibly trauma there as well. As per\n\nChannel 1: Yep.\n\nChannel 0: our last conversation, we did attempt to get new cover because you have physically you're living in New Zealand and just coming back to Australia for work whilst you are still a tax resident of Australia. We have been unable to get new cover due to that. And the other thing is when we look at your pre assessment, any new insurances would have quite a lot of loadings or any exclusions to them. So\n\nChannel 1: Can I\n\nChannel 0: we've looked\n\nChannel 1: just\n\nChannel 0: at\n\nChannel 1: touch\n\nChannel 0: the best\n\nChannel 1: on that quickly, please?\n\nChannel 0: yeah. Sure.\n\nChannel 1: Even though I even though I go to New Zealand regularly,\n\nChannel 0: Yeah.\n\nChannel 1: I'm not changing my address or anything. So I'm still technically\n\nChannel 0: No.\n\nChannel 1: Australian based,\n\nChannel 0: Correct.\n\nChannel 1: if\n\nChannel 0: You're\n\nChannel 1: you know\n\nChannel 0: an\n\nChannel 1: what\n\nChannel 0: Australian\n\nChannel 1: I mean.\n\nChannel 0: tax yeah. You're an Australian tax resident, and that's absolutely fine. However, you do go back to New Zealand when you're not at work. So they do consider that whilst you're Australian tax resident, they do consider you to be living in New Zealand. The insurers won't provide cover under that basis.\n\nBut the other side of that is your pre assessment as we kinda went through. You did have some issues with your shoulders. You've got some mental health there.\n\nChannel 1: Yes.\n\nChannel 0: Any new cover would have additional excluding dental loading for any preexisting\n\nChannel 1: Mhmm.\n\nChannel 0: conditions. So it meant that if we were to apply for new cover, if we were able to get new cover, the mental health that you have, your, you know, most recent shoulder issues would mean that\n\nChannel 1: No.\n\nChannel 0: they would exclude those preexisting conditions. So the cover you have now is actually better because you can't, there's no loadings or exclusions on that cover. So you're more likely to claim on the cover you have now as opposed to any new cover that we were able to get. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It's better to keep the cover with no loadings and or exclusions rather than apply for new cover and have exclusions on it where you can't claim for any of your preexisting\n\nChannel 1: Yeah.\n\nChannel 0: conditions.\n\nChannel 1: So what if I was, say, I mean, like, moving to Queensland now, but I I do fly\n\nChannel 0: Mhmm.\n\nChannel 1: out to New Zealand most of the times. What if I was, say, going to Bali every time I'm off? Is that\n\nChannel 0: Yeah.\n\nChannel 1: basically\n\nChannel 0: It's\n\nChannel 1: enough\n\nChannel 0: the\n\nChannel 1: to\n\nChannel 0: same\n\nChannel 1: see me\n\nChannel 0: thing.\n\nChannel 1: living in Bali?\n\nChannel 0: Yeah. It's exactly the same thing as you're going to New Zealand. You're you're coming to Australia and you're working in Australia, so you're a tax resident, which is fine. But you're theoretically also then once you've finished your work, and you're going back overseas to another country. So they see that as you essentially not residing here.\n\nThe insurers want you to be in the country for majority of your time, not just while you're at work, and that's the area they are that they have issues with.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Yeah. But look, honestly, the cover\n\nChannel 1: What\n\nChannel 0: you\n\nChannel 1: if\n\nChannel 0: have\n\nChannel 1: I didn't what\n\nChannel 0: yeah.\n\nChannel 1: if I didn't disclose that and so I'm just, like, taking a holiday every time I'm off?\n\nChannel 0: The problem with that is that you're non disclosing, so you're intentionally holding that information back from them, which means that they could put the cover in place. But if you then go to claim and they find out that you've intentionally not disclosed something or, you know, provide provided false information, then they won't pay the claim. You will have paid all those premiums, and they just turn around and say, you're not eligible for the claim. You weren't eligible to have the cover in the first place, and they won't refund you the premiums.\n\nChannel 1: Yes. Other questions, what is the mental\n\nChannel 0: Sure.\n\nChannel 1: health side on my mental health that you got?\n\nChannel 0: Yeah. So you noticed and disclosed that you had some depression. So, essentially, because you've disclosed depression, they after 2020 and with COVID having been a thing, the insurers are very, very strict on mental health. So wherever you've had anxiety or depression or any kind of mental health related illnesses or any symptoms of mental health, they always exclude that. And, theoretically, mental health is one of the biggest things that is claimed on, especially for TBD and income protection.\n\nSo they would have a preexisting condition. I would not like to cancel the cover you have now for cover that has any exclusions which stop you for claiming.\n\nChannel 1: Even though that is so long ago.\n\nChannel 0: Yeah. Yeah. They still have very big big on that, especially after COVID. Mental health is very, very huge at the moment. A lot of people being diagnosed with it.\n\nA lot of people have been feeling it, and it's one of the biggest things that is claimed on. So the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health. Yeah. Yeah.\n\nChannel 1: Okay. Alrighty. Thank you.\n\nChannel 0: That's okay. That's all good. So, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there. In the event of passing, it does mean that you do have the existing cover amount of 160,000, and you've also got a 160,000 in TBD as well. So in the event of claiming for life and TBD, we can claim those amounts for you from from the ING super, and we can also claim against your your super, so your ING super account as well as your NetWell super account as well.\n\nSo you can get additional benefit on top of that paid out. As I explained before, retaining those benefits is preferable because you don't have any loadings or exclusions applied to those, so you're more likely to claim on that cover. Any new cover, if we were able to get it, which we're unfortunately not able to due to your circumstances, would have loadings and or exclusions applied to the cover. So it does make it harder to claim on cover when you have loadings and exclusions, and loadings makes it more expensive. So, say, if your cover was to cost a $100 and they added a 100% loading onto that, your cover would be double the cost.\n\nSo it does also have an effect on your super long time long term. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So keeping your insurances in place with ING is the most preferable option at the moment, giving you a bit of cover, but also making sure that you're able to claim on that cover in the event that something was to happen to you. At the moment, we're also recommending that you do retain keep your employer contributions going into ING. Because your insurance cover is held there, we need to retain that insurance cover for the moment. You do need to keep those employer contributions going into ING. The\n\nChannel 1: So\n\nChannel 0: other thing I did look at is\n\nChannel 1: that's all. All my super,\n\nChannel 0: yeah.\n\nChannel 1: I think, is going on my May 12. Do I have to have my super going to my NGS account?\n\nChannel 0: Your employer contributions to go into your ING account. Yes.\n\nChannel 1: So I have to change that then?\n\nChannel 0: Well, they are going in there at the moment, aren't they? Let me double check. Yeah. Your employer contributions should are going into ING at the moment. They've never actually been moved away from ING.\n\nSo let me double check with Netwealth to make sure nothing has changed there because your contributions going into ING is really important to retain that that insurance cover. So, yeah, we had a look. We hadn't seen anything coming in here just to make sure nothing's changed since we last looked at this. Where are we?\n\nChannel 1: I'm sure when I signed up for work, I gave them my Metro stuff. So I just wanted to\n\nChannel 0: Oh, yeah. I can see some employer contributions coming into\n\nChannel 1: make\n\nChannel 0: here. Interesting. That's okay. We will provide the form so you can have that\n\nChannel 1: sure.\n\nChannel 0: changed back so they go into your, the ING account. Because, realistically, you wanna make sure those contributions are going into the account with where your insurances are, and that's because under the legislation, if your super balance in that INT account falls below, generally, about $6,000 or if the employer contributions start going for a certain period of time, it does mean that the insurances are at risk of canceling. And if you the insurances do cancel, then you've got to apply for new cover, which means that there could be additional loadings or exclusions applied to the cover. So we'll make sure the form is provided to you to have those contributions redirected back to ING. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. We'll help\n\nChannel 1: I'm\n\nChannel 0: you with\n\nChannel 1: talking\n\nChannel 0: that, Casper.\n\nChannel 1: about\n\nChannel 0: Then\n\nChannel 1: forms. Could you get my forms I sent through for my beneficiary?\n\nChannel 0: yeah. I'll double check that they've all come through as well. It looks like everything's fine there. Let me just have a quick look to see if they've all come through fine, because I believe you sent them back to the admin team. Three seconds.\n\nYes. So they have all been received back, and they've been provided to Netwealth to have all that updated for you. Okay?\n\nChannel 1: Okay. Thank\n\nChannel 0: Beautiful. Fantastic. Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while\n\nChannel 1: you.\n\nChannel 0: there. Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there. So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four. The main reason for this is that Hub twenty four is a much cheaper platform. It's actually cheaper in administration fees and investment fees, and paying less fees for your super platform is also gonna provide benefits with less money coming out of your super, which can provide greater compounding over the longer term.\n\nSo I'm recommending\n\nChannel 1: Mhmm.\n\nChannel 0: that we do remove take everything out of Netwealth, and so we'll sell everything down from Netwealth and move you into a new platform called Hub twenty four. Hub twenty four has been around for a very long time. It's an Australian ASX listed company. You can Google them and have a really good look at them. I've also got the product disclosure statement attached to the email for you to review as well.\n\nOkay?\n\nChannel 1: So what's the difference between the two? Does it give me a bigger bigger return? Or\n\nChannel 0: Yeah. So when we kind of look at how this works over time by maneuvering and taking the funds out of Netwealth and putting it on into hub twenty four and the newer portfolio that we've been able to look at for you, it's actually providing a greater level of return. So your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform. And we're also gonna roll some funds out of ING. So you have about 14,000 in ING at the moment.\n\nWe wanna move every all but 10,000. You'll keep 10,000 in your ING super and keep your contributions going in there, and then all the money from Netwealth moves into hub 24. That saves you, for the year, about $67 on administration fees and about a $126 for the year on investment fees. And the newer portfolio that we'll put you in has been performing, shown a five year rolling average of about 11.4% each year. So it has had a greater return over the past.\n\nSo when you factor in the greater level of return plus the reduction in fees, it does mean that long term, it can have a greater effect for you. Does that make sense?\n\nChannel 1: Okay.\n\nChannel 0: Did you wanna ask any questions?\n\nChannel 1: No. No. That's all good. I'm just trying to\n\nChannel 0: Yeah.\n\nChannel 1: load a password here so I can actually see.\n\nChannel 0: Your contributions?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So, essentially, with the recommendations there, we're gonna retain I n g. Your contributions will go into I n g. We'll keep the we'll keep your insurances in place within an ING super there. It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly.\n\nIt looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING. We don't want money just sitting in ING, sitting in cash. We wanna make sure it's invested and still growing with the market as well. Okay?\n\nChannel 1: Yeah. I just gonna get my laptop. Hang on a sec. I think I got a face that's saved on there. What did you say you have my sonar in?\n\nChannel 0: I'm sorry. What was that?\n\nChannel 1: At?\n\nChannel 0: I didn't, yeah, it didn't actually say we had your salary at anything. Your last disclosed salary you have was 100\n\nChannel 1: Yes.\n\nChannel 0: and\n\nChannel 1: Fine. It's\n\nChannel 0: 80\n\nChannel 1: a hundred and eighty five. We just got a\n\nChannel 0: thousand.\n\nChannel 1: 5,005 thousand\n\nChannel 0: Oh,\n\nChannel 1: dollar\n\nChannel 0: fantastic.\n\nChannel 1: is\n\nChannel 0: Oh, congratulations.\n\nChannel 1: yeah.\n\nChannel 0: That's well\n\nChannel 1: Yeah.\n\nChannel 0: deserved.\n\nChannel 1: You can keep talking. Just got a laptop for your nails so I can see where my what does it say on the price look?\n\nChannel 0: Yeah. That's okay. Not a problem at all. So as I kinda mentioned, we're gonna retain your ING, Super. We'll keep 10,000 in there, keep your contributions going into ING.\n\nWe're gonna roll everything over the 10,000 into hub 24 and also move you from network into hub 24 as well. Within ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly. And then within within Hub twenty four, we're also gonna have your funds invested in a portfolio that has shown a greater level of return over the past. So, essentially, when your funds are invested within Hub twenty four Super, you'll see you've got some cybersecurity. You'll have some exposure to European assets at Japan.\n\nWe've also got a all world excluding The US investment option for you to give you diversification. We'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities. You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well. So those sorts of investments give you diversification. This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward.\n\nOne of the biggest things in why this is the best interest for you is that, Hub twenty four is cheaper than NetWell. So long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer. The more you pay in fees, the more it affects your long term projected outcome as well. Okay?\n\nChannel 1: Yes. I'm just looking at the face look now. My front name is Metro Super Nation Personal Super, and that's\n\nChannel 0: Yeah.\n\nChannel 1: $744.59.\n\nChannel 0: We yeah. So we'll have those contributions moved into I n g.\n\nChannel 1: And then you just take that and put it in half 24. Is that correct?\n\nChannel 0: That's that's correct. Yeah. We'll provide you with the forms to have your contributions moved. We'll just give that to you once the account is once the it's all ready to go. Once you've signed the advice, we'll give you the form for ING, and you can provide that to your employer.\n\nI can even email that to you today if you like. That way, you can send it off to your payroll team and ask them to have your contributions moved into ING.\n\nChannel 1: Yeah. Okay. Thank you.\n\nChannel 0: That's okay. Not a problem at all, Casper. Now the one thing I do like to let you know is we did obviously look at the taxation consequences. So moving funds from one super to another, your super fund does do a tax return every year. So we do estimate for moving from Netwealth to hub 24, the capital gains consequence would be $1,571.\n\nSo net Netwealth will account for that taxation consequence. It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super. It's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there\n\nChannel 1: Okay.\n\nChannel 0: for you. Okay? You\n\nChannel 1: Yeah. That's\n\nChannel 0: beautiful. We\n\nChannel 1: good.\n\nChannel 0: did sort of have a look and look just the outcome if you did stay in Netwealth is not bad in any way, shape, or form, but it is solely gonna be more expensive for you over the longer term, and the projected outcome that we did see with staying in net wealth was solely dependent on the returns. We do put projections in here for you, but it's important to note that projections are just projections. They're based on the return that the suit that the investments have received in the past, and we do know that returns can differ in the future because markets go up and markets go down. And you still have more than ten years ahead of you before being able to access your super. One thing that I did look at was your goal is to be able to, hopefully, at the age of 60, access income of about 150,000 from both your super and also from a business that you guys did have back in New Zealand as\n\nChannel 1: Yes.\n\nChannel 0: well. With that projected outcome,\n\nChannel 1: So can I just interrupt you for a second? Can you give me a\n\nChannel 0: Sure.\n\nChannel 1: callback in two minutes? I just need to go and use the facilities quickly.\n\nChannel 0: Oh, absolutely.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.03758302330970764}],"sentiment":"neutral","sentiment_score":0.03758302330970764,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Casper.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.17232069373130798},{"text":"It's Dana from Oakey Financial.","start":2.6399999,"end":4.26,"sentiment":"neutral","sentiment_score":0.2154765397310257},{"text":"How are you this morning?","start":4.4,"end":5.7,"sentiment":"neutral","sentiment_score":0.2980212390422821}],"sentiment":"neutral","sentiment_score":0.24267752344409624,"channel":0,"num_words":12,"start":2.0,"end":5.7},{"sentences":[{"text":"Good.","start":6.0,"end":6.24,"sentiment":"positive","sentiment_score":0.5068950057029724},{"text":"And yourself?","start":6.24,"end":6.8999996,"sentiment":"positive","sentiment_score":0.3504769504070282}],"sentiment":"positive","sentiment_score":0.40261630217234295,"channel":1,"num_words":3,"start":6.0,"end":6.8999996},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.6854475537935892},{"text":"Thank you.","start":8.4,"end":8.96,"sentiment":"positive","sentiment_score":0.7252598106861115},{"text":"I had you booked in this morning just to run through your updated statement of advice.","start":8.96,"end":12.48,"sentiment":"positive","sentiment_score":0.34051267243921757},{"text":"Is now still a good time there for you?","start":12.48,"end":14.5,"sentiment":"neutral","sentiment_score":0.30795759956041974}],"sentiment":"positive","sentiment_score":0.390889447927475,"channel":0,"num_words":30,"start":7.52,"end":14.5},{"sentences":[{"text":"Can you just give me one second?","start":15.014999,"end":16.295,"sentiment":"neutral","sentiment_score":0.0025755534214632852},{"text":"I'm just gonna turn off the light.","start":16.295,"end":17.755,"sentiment":"neutral","sentiment_score":-0.0449762935084956}],"sentiment":"neutral","sentiment_score":-0.02120037004351616,"channel":1,"num_words":14,"start":15.014999,"end":17.755},{"sentences":[{"text":"Yeah.","start":17.875,"end":18.115,"sentiment":"neutral","sentiment_score":-0.014318379573523998},{"text":"You're","start":18.115,"end":18.435,"sentiment":"neutral","sentiment_score":-0.028569307178258896}],"sentiment":"neutral","sentiment_score":-0.021443843375891447,"channel":0,"num_words":2,"start":17.875,"end":18.435},{"sentences":[{"text":"Okay.","start":18.135,"end":18.635,"sentiment":"neutral","sentiment_score":-0.009132560342550278}],"sentiment":"neutral","sentiment_score":-0.009132560342550278,"channel":1,"num_words":1,"start":18.135,"end":18.635},{"sentences":[{"text":"right.","start":18.435,"end":18.935,"sentiment":"neutral","sentiment_score":-0.02404765598475933}],"sentiment":"neutral","sentiment_score":-0.02404765598475933,"channel":0,"num_words":1,"start":18.435,"end":18.935},{"sentences":[{"text":"And it's heavy.","start":18.695,"end":19.654999,"sentiment":"neutral","sentiment_score":-0.14124846955140433},{"text":"I'm silent.","start":19.654999,"end":20.395,"sentiment":"neutral","sentiment_score":-0.19188997149467468}],"sentiment":"neutral","sentiment_score":-0.16150507032871247,"channel":1,"num_words":5,"start":18.695,"end":20.395},{"sentences":[{"text":"Yeah.","start":20.755001,"end":21.255001,"sentiment":"neutral","sentiment_score":0.04232456535100937},{"text":"That's absolutely fine.","start":21.715,"end":23.335,"sentiment":"neutral","sentiment_score":0.1533799817164739}],"sentiment":"neutral","sentiment_score":0.12561612762510777,"channel":0,"num_words":4,"start":20.755001,"end":23.335},{"sentences":[{"text":"Yeah.","start":24.935,"end":25.335,"sentiment":"neutral","sentiment_score":0.12224077433347702},{"text":"Go ahead.","start":25.335,"end":25.994999,"sentiment":"neutral","sentiment_score":0.15570761263370514}],"sentiment":"neutral","sentiment_score":0.14455199986696243,"channel":1,"num_words":3,"start":24.935,"end":25.994999},{"sentences":[{"text":"Excellent.","start":26.595001,"end":27.095001,"sentiment":"positive","sentiment_score":0.4269331097602844},{"text":"Now, Casper, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":27.69,"end":32.49,"sentiment":"neutral","sentiment_score":0.17878284143364948},{"text":"Are you happy for me to proceed with that?","start":32.49,"end":34.510002,"sentiment":"neutral","sentiment_score":0.1676170908742481}],"sentiment":"neutral","sentiment_score":0.18325734183643805,"channel":0,"num_words":33,"start":26.595001,"end":34.510002},{"sentences":[{"text":"Yeah.","start":34.45,"end":34.690002,"sentiment":"neutral","sentiment_score":0.12688124179840088},{"text":"Yeah.","start":34.690002,"end":34.93,"sentiment":"neutral","sentiment_score":0.20088839530944824},{"text":"That's all good.","start":34.93,"end":35.57,"sentiment":"positive","sentiment_score":0.4497491518656413},{"text":"Thank you.","start":35.57,"end":36.31,"sentiment":"positive","sentiment_score":0.5449781119823456}],"sentiment":"positive","sentiment_score":0.395281902381352,"channel":1,"num_words":7,"start":34.45,"end":36.31},{"sentences":[{"text":"Fantastic.","start":36.25,"end":36.75,"sentiment":"positive","sentiment_score":0.4588831663131714},{"text":"And do you happen to have access to your emails at the moment or not right now?","start":36.89,"end":41.07,"sentiment":"neutral","sentiment_score":0.0769012022544356}],"sentiment":"neutral","sentiment_score":0.09812242247992092,"channel":0,"num_words":18,"start":36.25,"end":41.07},{"sentences":[{"text":"Yeah.","start":41.41,"end":41.73,"sentiment":"neutral","sentiment_score":0.003064594231545925},{"text":"No.","start":41.73,"end":41.89,"sentiment":"neutral","sentiment_score":-0.019449841231107712},{"text":"I do.","start":41.89,"end":42.555,"sentiment":"neutral","sentiment_score":0.0021201898343861103}],"sentiment":"neutral","sentiment_score":-0.0030362168326973915,"channel":1,"num_words":4,"start":41.41,"end":42.555},{"sentences":[{"text":"You do?","start":42.825,"end":43.385002,"sentiment":"neutral","sentiment_score":0.013282638043165207},{"text":"Fantastic.","start":43.385002,"end":43.885002,"sentiment":"neutral","sentiment_score":0.31349554657936096},{"text":"What I'll do is I'm just gonna send through the document to you.","start":44.105,"end":47.225,"sentiment":"neutral","sentiment_score":0.183704850765375},{"text":"If I can get you just to pop into your emails there for me, we can just have a quick look at the document, and I can run through those recommendations there for you.","start":47.225,"end":54.425,"sentiment":"neutral","sentiment_score":0.18383552747614243},{"text":"Okay?","start":54.425,"end":54.925,"sentiment":"neutral","sentiment_score":0.10497113317251204}],"sentiment":"neutral","sentiment_score":0.17810986176425336,"channel":0,"num_words":51,"start":42.825,"end":54.925},{"sentences":[{"text":"Yep.","start":55.675,"end":56.075,"sentiment":"neutral","sentiment_score":0.12667714059352875},{"text":"All good.","start":56.075,"end":56.7,"sentiment":"neutral","sentiment_score":0.2917468249797821}],"sentiment":"neutral","sentiment_score":0.23672359685103098,"channel":1,"num_words":3,"start":55.675,"end":56.7},{"sentences":[{"text":"Fantastic.","start":57.0,"end":57.5,"sentiment":"positive","sentiment_score":0.42764776945114136},{"text":"Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":57.88,"end":65.58,"sentiment":"neutral","sentiment_score":0.1754634603857994}],"sentiment":"neutral","sentiment_score":0.1826687263590949,"channel":0,"num_words":35,"start":57.0,"end":65.58},{"sentences":[{"text":"It's yesterday, I'm gonna start on the 05/22/1977,","start":66.54,"end":71.12,"sentiment":"neutral","sentiment_score":0.075053243432194}],"sentiment":"neutral","sentiment_score":0.075053243432194,"channel":1,"num_words":8,"start":66.54,"end":71.12},{"sentences":[{"text":"Yep.","start":71.815,"end":72.315,"sentiment":"neutral","sentiment_score":0.05244223400950432}],"sentiment":"neutral","sentiment_score":0.05244223400950432,"channel":0,"num_words":1,"start":71.815,"end":72.315},{"sentences":[{"text":"and it is 34 Nursery Place, Richlands, Brisbane 4077.","start":72.195,"end":79.49501,"sentiment":"neutral","sentiment_score":0.05903962502876917}],"sentiment":"neutral","sentiment_score":0.05903962502876917,"channel":1,"num_words":9,"start":72.195,"end":79.49501},{"sentences":[{"text":"Fantastic.","start":80.31,"end":80.81,"sentiment":"positive","sentiment_score":0.53594970703125},{"text":"Thank you so much for that.","start":80.87,"end":82.229996,"sentiment":"positive","sentiment_score":0.6137005885442098},{"text":"How's your morning been so far?","start":82.229996,"end":83.75,"sentiment":"neutral","sentiment_score":0.27930447459220886},{"text":"I know it's still quite early over there.","start":83.75,"end":85.85,"sentiment":"neutral","sentiment_score":-0.0323550864122808}],"sentiment":"neutral","sentiment_score":0.2683399711691198,"channel":0,"num_words":21,"start":80.31,"end":85.85},{"sentences":[{"text":"Yeah.","start":86.83,"end":86.909996,"sentiment":"neutral","sentiment_score":-0.12322965264320374},{"text":"I've got a flu.","start":86.909996,"end":88.03,"sentiment":"neutral","sentiment_score":-0.27017492055892944},{"text":"So yeah.","start":88.03,"end":88.909996,"sentiment":"neutral","sentiment_score":-0.1432160884141922}],"sentiment":"neutral","sentiment_score":-0.21290878738675797,"channel":1,"num_words":7,"start":86.83,"end":88.909996},{"sentences":[{"text":"Oh,","start":88.87,"end":89.11,"sentiment":"neutral","sentiment_score":-0.042198579758405685}],"sentiment":"neutral","sentiment_score":-0.042198579758405685,"channel":0,"num_words":1,"start":88.87,"end":89.11},{"sentences":[{"text":"I'm","start":88.909996,"end":89.229996,"sentiment":"neutral","sentiment_score":-0.047641705721616745}],"sentiment":"neutral","sentiment_score":-0.047641705721616745,"channel":1,"num_words":1,"start":88.909996,"end":89.229996},{"sentences":[{"text":"I'm","start":89.11,"end":89.43,"sentiment":"neutral","sentiment_score":-0.03389324992895126}],"sentiment":"neutral","sentiment_score":-0.03389324992895126,"channel":0,"num_words":1,"start":89.11,"end":89.43},{"sentences":[{"text":"in 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premiums.","start":508.815,"end":512.915,"sentiment":"negative","sentiment_score":-0.4140731311506695}],"sentiment":"negative","sentiment_score":-0.4049870646558702,"channel":0,"num_words":96,"start":485.265,"end":512.915},{"sentences":[{"text":"Yes.","start":513.73,"end":513.97003,"sentiment":"neutral","sentiment_score":-0.01739901304244995},{"text":"Other questions, what is the mental","start":513.97003,"end":515.81,"sentiment":"neutral","sentiment_score":-0.022680127061903477}],"sentiment":"neutral","sentiment_score":-0.021925682201981544,"channel":1,"num_words":7,"start":513.73,"end":515.81},{"sentences":[{"text":"Sure.","start":515.615,"end":516.115,"sentiment":"neutral","sentiment_score":-0.006427175365388393}],"sentiment":"neutral","sentiment_score":-0.006427175365388393,"channel":0,"num_words":1,"start":515.615,"end":516.115},{"sentences":[{"text":"health side on my mental health that you got?","start":515.81,"end":518.23,"sentiment":"neutral","sentiment_score":-0.026141246159871418}],"sentiment":"neutral","sentiment_score":-0.026141246159871418,"channel":1,"num_words":9,"start":515.81,"end":518.23},{"sentences":[{"text":"Yeah.","start":518.67004,"end":519.07,"sentiment":"neutral","sentiment_score":-0.05195438489317894},{"text":"So you noticed and disclosed that you had some depression.","start":519.07,"end":521.73004,"sentiment":"neutral","sentiment_score":-0.17655002027750016},{"text":"So, essentially, because you've disclosed depression, they after 2020 and with COVID having been a thing, the insurers are very, very strict on mental health.","start":522.51,"end":532.505,"sentiment":"neutral","sentiment_score":-0.23175718605518342},{"text":"So wherever you've had anxiety or depression or any kind of mental health related illnesses or any symptoms of mental health, they always exclude that.","start":532.505,"end":541.645,"sentiment":"neutral","sentiment_score":-0.2525014901161194},{"text":"And, theoretically, mental health is one of the biggest things that is claimed on, especially for TBD and income protection.","start":542.34503,"end":548.48004,"sentiment":"neutral","sentiment_score":-0.16901117227971554}],"sentiment":"neutral","sentiment_score":-0.2136314189820378,"channel":0,"num_words":81,"start":518.67004,"end":548.48004},{"sentences":[{"text":"So they would have a preexisting condition.","start":548.62,"end":551.74,"sentiment":"neutral","sentiment_score":-0.2666845257793154},{"text":"I would not like to cancel the cover you have now for cover that has any exclusions which stop you for claiming.","start":551.74,"end":558.56,"sentiment":"negative","sentiment_score":-0.41166039217602124}],"sentiment":"negative","sentiment_score":-0.3766662175285405,"channel":0,"num_words":29,"start":548.62,"end":558.56},{"sentences":[{"text":"Even though that is so long ago.","start":559.435,"end":561.535,"sentiment":"neutral","sentiment_score":-0.23780777837548936}],"sentiment":"neutral","sentiment_score":-0.23780777837548936,"channel":1,"num_words":7,"start":559.435,"end":561.535},{"sentences":[{"text":"Yeah.","start":562.415,"end":562.815,"sentiment":"neutral","sentiment_score":-0.07926251739263535},{"text":"Yeah.","start":562.815,"end":563.21497,"sentiment":"neutral","sentiment_score":-0.1217309758067131},{"text":"They still have very big big on that, especially after COVID.","start":563.21497,"end":567.13495,"sentiment":"negative","sentiment_score":-0.37201767618005926},{"text":"Mental health is very, very huge at the moment.","start":567.13495,"end":569.63495,"sentiment":"negative","sentiment_score":-0.5159751375516256},{"text":"A lot of people being diagnosed with it.","start":570.095,"end":571.855,"sentiment":"negative","sentiment_score":-0.44110164418816566}],"sentiment":"negative","sentiment_score":-0.4155259107549985,"channel":0,"num_words":30,"start":562.415,"end":571.855},{"sentences":[{"text":"A lot of people have been feeling it, and it's one of the biggest things that is claimed on.","start":571.855,"end":575.62,"sentiment":"negative","sentiment_score":-0.3529471700128756},{"text":"So the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health.","start":575.62,"end":589.725,"sentiment":"neutral","sentiment_score":-0.06965256058313746},{"text":"Yeah.","start":589.785,"end":590.285,"sentiment":"neutral","sentiment_score":0.03868775814771652},{"text":"Yeah.","start":592.58496,"end":593.08496,"sentiment":"neutral","sentiment_score":0.05864669382572174}],"sentiment":"neutral","sentiment_score":-0.14532841361292145,"channel":0,"num_words":68,"start":571.855,"end":593.08496},{"sentences":[{"text":"Okay.","start":593.13995,"end":593.62,"sentiment":"neutral","sentiment_score":0.10549716651439668},{"text":"Alrighty.","start":593.62,"end":594.12,"sentiment":"neutral","sentiment_score":0.2853599190711975},{"text":"Thank you.","start":594.25995,"end":595.0,"sentiment":"positive","sentiment_score":0.6614653766155243}],"sentiment":"positive","sentiment_score":0.4284469597041607,"channel":1,"num_words":4,"start":593.13995,"end":595.0},{"sentences":[{"text":"That's okay.","start":595.14496,"end":596.045,"sentiment":"positive","sentiment_score":0.5242539346218109},{"text":"That's all good.","start":596.105,"end":597.08496,"sentiment":"positive","sentiment_score":0.6153976718584696},{"text":"So, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there.","start":597.865,"end":608.68,"sentiment":"neutral","sentiment_score":0.08697436324187688},{"text":"In the event of passing, it does mean that you do have the existing cover amount of 160,000, and you've also got a 160,000 in TBD as well.","start":609.3,"end":619.245,"sentiment":"neutral","sentiment_score":0.08963239272790295},{"text":"So in the event of claiming for life and TBD, we can claim those amounts for you from from the ING super, and we can also claim against your your super, so your ING super account as well as your NetWell super account as well.","start":619.54504,"end":633.22003,"sentiment":"neutral","sentiment_score":0.21786631610658433}],"sentiment":"neutral","sentiment_score":0.15717762801796198,"channel":0,"num_words":120,"start":595.14496,"end":633.22003},{"sentences":[{"text":"So you can get additional benefit on top of that paid out.","start":633.22003,"end":636.92,"sentiment":"positive","sentiment_score":0.4738908608754476},{"text":"As I explained before, retaining those benefits is preferable because you don't have any loadings or exclusions applied to those, so you're more likely to claim on that cover.","start":637.78,"end":646.415,"sentiment":"neutral","sentiment_score":0.15218451452152482},{"text":"Any new cover, if we were able to get it, which we're unfortunately not able to due to your circumstances, would have loadings and or exclusions applied to the cover.","start":646.63495,"end":656.235,"sentiment":"neutral","sentiment_score":-0.21359418258070945},{"text":"So it does make it harder to claim on cover when you have loadings and exclusions, and loadings makes it more expensive.","start":656.235,"end":662.22,"sentiment":"neutral","sentiment_score":-0.278186479752714},{"text":"So, say, if your cover was to cost a $100 and they added a 100% loading onto that, your cover would be double the cost.","start":662.36,"end":669.88,"sentiment":"neutral","sentiment_score":-0.0998507571220398}],"sentiment":"neutral","sentiment_score":-0.041730133122054196,"channel":0,"num_words":118,"start":633.22003,"end":669.88},{"sentences":[{"text":"So it does also have an effect on your super long time long term.","start":669.88,"end":673.82,"sentiment":"neutral","sentiment_score":-0.020726511787090982},{"text":"Okay?","start":673.88,"end":674.38,"sentiment":"neutral","sentiment_score":0.0358395129442215}],"sentiment":"neutral","sentiment_score":-0.01695544347167015,"channel":0,"num_words":15,"start":669.88,"end":674.38},{"sentences":[{"text":"Yep.","start":675.31,"end":675.81,"sentiment":"neutral","sentiment_score":0.07622478902339935}],"sentiment":"neutral","sentiment_score":0.07622478902339935,"channel":1,"num_words":1,"start":675.31,"end":675.81},{"sentences":[{"text":"So keeping your insurances in place with ING is the most preferable option at the moment, giving you a bit of cover, but also making sure that you're able to claim on that cover in the event that something was to happen to you.","start":676.41504,"end":687.12,"sentiment":"neutral","sentiment_score":0.15085591883821922},{"text":"At the moment, we're also recommending that you do retain keep your employer contributions going into ING.","start":688.08,"end":693.86,"sentiment":"neutral","sentiment_score":0.06198075106915306},{"text":"Because your insurance cover is held there, we need to retain that insurance cover for the moment.","start":694.0,"end":698.74,"sentiment":"neutral","sentiment_score":-0.00890374750665882},{"text":"You do need to keep those employer contributions going into ING.","start":699.36,"end":702.82,"sentiment":"neutral","sentiment_score":-0.08252309330485084},{"text":"The","start":703.65497,"end":703.975,"sentiment":"neutral","sentiment_score":-0.04256196692585945}],"sentiment":"neutral","sentiment_score":0.0732183721796092,"channel":0,"num_words":90,"start":676.41504,"end":703.975},{"sentences":[{"text":"So","start":703.92,"end":704.42,"sentiment":"neutral","sentiment_score":-0.037714630365371704}],"sentiment":"neutral","sentiment_score":-0.037714630365371704,"channel":1,"num_words":1,"start":703.92,"end":704.42},{"sentences":[{"text":"other thing I did look at is","start":703.975,"end":705.495,"sentiment":"neutral","sentiment_score":-0.029117366032941}],"sentiment":"neutral","sentiment_score":-0.029117366032941,"channel":0,"num_words":7,"start":703.975,"end":705.495},{"sentences":[{"text":"that's all.","start":706.41504,"end":706.655,"sentiment":"neutral","sentiment_score":-0.02756106946617365},{"text":"All my super,","start":706.655,"end":707.695,"sentiment":"neutral","sentiment_score":0.004890486598014832}],"sentiment":"neutral","sentiment_score":-0.00809013582766056,"channel":1,"num_words":5,"start":706.41504,"end":707.695},{"sentences":[{"text":"yeah.","start":707.415,"end":707.915,"sentiment":"neutral","sentiment_score":0.038709983229637146}],"sentiment":"neutral","sentiment_score":0.038709983229637146,"channel":0,"num_words":1,"start":707.415,"end":707.915},{"sentences":[{"text":"I think, is going on my May 12.","start":707.695,"end":709.05505,"sentiment":"neutral","sentiment_score":0.019154751673340797},{"text":"Do I have to have my super going to my NGS account?","start":709.05505,"end":711.955,"sentiment":"neutral","sentiment_score":-0.022044964600354433}],"sentiment":"neutral","sentiment_score":-0.0055650780908763405,"channel":1,"num_words":20,"start":707.695,"end":711.955},{"sentences":[{"text":"Your employer contributions to go into your ING account.","start":712.535,"end":715.995,"sentiment":"neutral","sentiment_score":-0.033932308562927775},{"text":"Yes.","start":716.055,"end":716.555,"sentiment":"neutral","sentiment_score":0.006238928996026516}],"sentiment":"neutral","sentiment_score":-0.029915184807032348,"channel":0,"num_words":10,"start":712.535,"end":716.555},{"sentences":[{"text":"So I have to change that then?","start":717.455,"end":718.98,"sentiment":"neutral","sentiment_score":-0.04294359417898314}],"sentiment":"neutral","sentiment_score":-0.04294359417898314,"channel":1,"num_words":7,"start":717.455,"end":718.98},{"sentences":[{"text":"Well, they are going in there at the moment, aren't they?","start":719.65,"end":723.03,"sentiment":"neutral","sentiment_score":-0.08879486166618088},{"text":"Let me double check.","start":725.49005,"end":726.71,"sentiment":"neutral","sentiment_score":-0.04737911745905876},{"text":"Yeah.","start":728.29004,"end":728.53,"sentiment":"neutral","sentiment_score":0.02636739611625671},{"text":"Your employer contributions should are going into ING at the moment.","start":728.53,"end":733.07495,"sentiment":"neutral","sentiment_score":-0.025140454484657807},{"text":"They've never actually been moved away from ING.","start":733.07495,"end":735.315,"sentiment":"neutral","sentiment_score":-0.19976160489022732}],"sentiment":"neutral","sentiment_score":-0.08612943972860064,"channel":0,"num_words":35,"start":719.65,"end":735.315},{"sentences":[{"text":"So let me double check with Netwealth to make sure nothing has changed there because your contributions going into ING is really important to retain that that insurance cover.","start":735.315,"end":749.52,"sentiment":"neutral","sentiment_score":-0.06149183419244043},{"text":"So, yeah, we had a look.","start":751.74,"end":753.02,"sentiment":"neutral","sentiment_score":0.023577643558382988},{"text":"We hadn't seen anything coming in here just to make sure nothing's changed since we last looked at this.","start":753.02,"end":758.24,"sentiment":"neutral","sentiment_score":-0.11808410326116964},{"text":"Where are we?","start":760.285,"end":761.025,"sentiment":"neutral","sentiment_score":-0.05680643767118454}],"sentiment":"neutral","sentiment_score":-0.07115464219660089,"channel":0,"num_words":57,"start":735.315,"end":761.025},{"sentences":[{"text":"I'm sure when I signed up for work, I gave them my Metro stuff.","start":762.385,"end":765.825,"sentiment":"neutral","sentiment_score":0.02490572298743895},{"text":"So I just wanted to","start":765.825,"end":767.04,"sentiment":"neutral","sentiment_score":0.026733627542853355}],"sentiment":"neutral","sentiment_score":0.025386750502021688,"channel":1,"num_words":19,"start":762.385,"end":767.04},{"sentences":[{"text":"Oh, yeah.","start":768.205,"end":769.325,"sentiment":"neutral","sentiment_score":0.038652077317237854},{"text":"I can see some employer contributions coming into","start":769.325,"end":771.965,"sentiment":"neutral","sentiment_score":0.023234787862747908}],"sentiment":"neutral","sentiment_score":0.026318245753645896,"channel":0,"num_words":10,"start":768.205,"end":771.965},{"sentences":[{"text":"make","start":771.92,"end":772.42,"sentiment":"neutral","sentiment_score":0.021460309624671936}],"sentiment":"neutral","sentiment_score":0.021460309624671936,"channel":1,"num_words":1,"start":771.92,"end":772.42},{"sentences":[{"text":"here.","start":771.965,"end":772.465,"sentiment":"neutral","sentiment_score":0.032469987869262695},{"text":"Interesting.","start":772.83,"end":773.33,"sentiment":"neutral","sentiment_score":0.19595709443092343},{"text":"That's okay.","start":773.55005,"end":774.27,"sentiment":"neutral","sentiment_score":0.31053777039051056},{"text":"We will provide the form so you can have that","start":774.27,"end":776.75,"sentiment":"neutral","sentiment_score":0.25654762536287307}],"sentiment":"neutral","sentiment_score":0.24392706262213842,"channel":0,"num_words":14,"start":771.965,"end":776.75},{"sentences":[{"text":"sure.","start":776.48,"end":776.98,"sentiment":"neutral","sentiment_score":0.12685927748680115}],"sentiment":"neutral","sentiment_score":0.12685927748680115,"channel":1,"num_words":1,"start":776.48,"end":776.98},{"sentences":[{"text":"changed back so they go into your, the ING account.","start":776.75,"end":780.43005,"sentiment":"neutral","sentiment_score":0.13540458008646966},{"text":"Because, realistically, you wanna make sure those contributions are going into the account with where your insurances are, and that's because under the legislation, if your super balance in that INT account falls below, generally, about $6,000 or if the employer contributions start going for a certain period of time, it does mean that the insurances are at risk of canceling.","start":780.43005,"end":802.13,"sentiment":"neutral","sentiment_score":-0.1289666495362266},{"text":"And if you the insurances do cancel, then you've got to apply for new cover, which means that there could be additional loadings or exclusions applied to the cover.","start":802.13,"end":809.97003,"sentiment":"neutral","sentiment_score":-0.23371179299107914},{"text":"So we'll make sure the form is provided to you to have those contributions redirected back to ING.","start":809.97003,"end":815.35004,"sentiment":"neutral","sentiment_score":0.1008384989367591},{"text":"Okay?","start":815.49,"end":815.99,"sentiment":"neutral","sentiment_score":0.08379194140434265}],"sentiment":"neutral","sentiment_score":-0.09572837727160013,"channel":0,"num_words":119,"start":776.75,"end":815.99},{"sentences":[{"text":"Yep.","start":816.875,"end":817.375,"sentiment":"neutral","sentiment_score":0.10489790141582488}],"sentiment":"neutral","sentiment_score":0.10489790141582488,"channel":1,"num_words":1,"start":816.875,"end":817.375},{"sentences":[{"text":"Yeah.","start":817.785,"end":818.185,"sentiment":"neutral","sentiment_score":0.13588380813598633},{"text":"We'll help","start":818.185,"end":818.665,"sentiment":"neutral","sentiment_score":0.18972090631723404}],"sentiment":"neutral","sentiment_score":0.1717752069234848,"channel":0,"num_words":3,"start":817.785,"end":818.665},{"sentences":[{"text":"I'm","start":818.55505,"end":818.79504,"sentiment":"neutral","sentiment_score":0.17885743081569672}],"sentiment":"neutral","sentiment_score":0.17885743081569672,"channel":1,"num_words":1,"start":818.55505,"end":818.79504},{"sentences":[{"text":"you with","start":818.665,"end":818.90497,"sentiment":"neutral","sentiment_score":0.15304651111364365}],"sentiment":"neutral","sentiment_score":0.15304651111364365,"channel":0,"num_words":2,"start":818.665,"end":818.90497},{"sentences":[{"text":"talking","start":818.79504,"end":819.275,"sentiment":"neutral","sentiment_score":0.16865241527557373}],"sentiment":"neutral","sentiment_score":0.16865241527557373,"channel":1,"num_words":1,"start":818.79504,"end":819.275},{"sentences":[{"text":"that, Casper.","start":818.90497,"end":819.625,"sentiment":"neutral","sentiment_score":0.12846307083964348}],"sentiment":"neutral","sentiment_score":0.12846307083964348,"channel":0,"num_words":2,"start":818.90497,"end":819.625},{"sentences":[{"text":"about","start":819.275,"end":819.67505,"sentiment":"neutral","sentiment_score":0.04877377673983574}],"sentiment":"neutral","sentiment_score":0.04877377673983574,"channel":1,"num_words":1,"start":819.275,"end":819.67505},{"sentences":[{"text":"Then","start":819.625,"end":820.125,"sentiment":"neutral","sentiment_score":0.04324876144528389}],"sentiment":"neutral","sentiment_score":0.04324876144528389,"channel":0,"num_words":1,"start":819.625,"end":820.125},{"sentences":[{"text":"forms.","start":819.67505,"end":820.155,"sentiment":"neutral","sentiment_score":0.05780605226755142},{"text":"Could you get my forms I sent through for my beneficiary?","start":820.155,"end":826.95,"sentiment":"neutral","sentiment_score":0.117093871940266}],"sentiment":"neutral","sentiment_score":0.11215322030087312,"channel":1,"num_words":12,"start":819.67505,"end":826.95},{"sentences":[{"text":"yeah.","start":828.105,"end":828.605,"sentiment":"neutral","sentiment_score":0.17174223065376282},{"text":"I'll double check that they've all come through as well.","start":828.665,"end":830.83,"sentiment":"neutral","sentiment_score":0.2322944462299347},{"text":"It looks like everything's fine there.","start":830.83,"end":832.27,"sentiment":"positive","sentiment_score":0.4378738397111495},{"text":"Let me just have a quick look to see if they've all come through fine, because I believe you sent them back to the admin team.","start":832.27,"end":841.01,"sentiment":"neutral","sentiment_score":0.1361125148832798},{"text":"Three seconds.","start":843.80505,"end":849.885,"sentiment":"neutral","sentiment_score":0.05648849345743656}],"sentiment":"neutral","sentiment_score":0.19497404678000343,"channel":0,"num_words":45,"start":828.105,"end":849.885},{"sentences":[{"text":"Yes.","start":849.885,"end":850.385,"sentiment":"neutral","sentiment_score":0.15285581350326538},{"text":"So they have all been received back, and they've been provided to Netwealth to have all that updated for you.","start":850.445,"end":856.685,"sentiment":"neutral","sentiment_score":0.2437045991420746},{"text":"Okay?","start":856.685,"end":857.185,"sentiment":"neutral","sentiment_score":0.11693885177373886}],"sentiment":"neutral","sentiment_score":0.23381302945993163,"channel":0,"num_words":22,"start":849.885,"end":857.185},{"sentences":[{"text":"Okay.","start":857.83997,"end":858.33997,"sentiment":"neutral","sentiment_score":0.24821344017982483},{"text":"Thank","start":858.39996,"end":858.735,"sentiment":"positive","sentiment_score":0.8052029013633728}],"sentiment":"positive","sentiment_score":0.5267081707715988,"channel":1,"num_words":2,"start":857.83997,"end":858.735},{"sentences":[{"text":"Beautiful.","start":859.31,"end":859.81,"sentiment":"positive","sentiment_score":0.7892786264419556},{"text":"Fantastic.","start":859.95,"end":860.45,"sentiment":"positive","sentiment_score":0.7612382173538208},{"text":"Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while","start":861.23,"end":866.26996,"sentiment":"neutral","sentiment_score":0.09853125452285721}],"sentiment":"neutral","sentiment_score":0.15737709516416426,"channel":0,"num_words":23,"start":859.31,"end":866.26996},{"sentences":[{"text":"you.","start":866.175,"end":866.675,"sentiment":"neutral","sentiment_score":0.06996507942676544}],"sentiment":"neutral","sentiment_score":0.06996507942676544,"channel":1,"num_words":1,"start":866.175,"end":866.675},{"sentences":[{"text":"there.","start":866.26996,"end":866.76996,"sentiment":"neutral","sentiment_score":0.021741848438978195},{"text":"Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there.","start":866.83,"end":878.975,"sentiment":"neutral","sentiment_score":0.014445046790772013},{"text":"So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four.","start":878.975,"end":887.05,"sentiment":"neutral","sentiment_score":0.022036345054705937},{"text":"The main reason for this is that Hub twenty four is a much cheaper platform.","start":887.19,"end":891.29,"sentiment":"neutral","sentiment_score":0.2517497400442759},{"text":"It's actually cheaper in administration fees and investment fees, and paying less fees for your super platform is also gonna provide benefits with less money coming out of your super, which can provide greater compounding over the longer term.","start":891.35,"end":904.82495,"sentiment":"positive","sentiment_score":0.3427455933430256}],"sentiment":"neutral","sentiment_score":0.15491583974937262,"channel":0,"num_words":118,"start":866.26996,"end":904.82495},{"sentences":[{"text":"So I'm recommending","start":905.445,"end":906.345,"sentiment":"neutral","sentiment_score":0.0993667443593343}],"sentiment":"neutral","sentiment_score":0.0993667443593343,"channel":0,"num_words":3,"start":905.445,"end":906.345},{"sentences":[{"text":"Mhmm.","start":905.85004,"end":906.35004,"sentiment":"neutral","sentiment_score":0.07917000353336334}],"sentiment":"neutral","sentiment_score":0.07917000353336334,"channel":1,"num_words":1,"start":905.85004,"end":906.35004},{"sentences":[{"text":"that we do remove take everything out of Netwealth, and so we'll sell everything down from Netwealth and move you into a new platform called Hub twenty four.","start":906.485,"end":914.665,"sentiment":"neutral","sentiment_score":-0.0020329052016937305},{"text":"Hub twenty four has been around for a very long time.","start":914.78,"end":917.10004,"sentiment":"neutral","sentiment_score":0.07175444743850014},{"text":"It's an Australian ASX listed company.","start":917.10004,"end":919.18,"sentiment":"neutral","sentiment_score":0.13777072355151176},{"text":"You can Google them and have a really good look at them.","start":919.18,"end":921.58,"sentiment":"neutral","sentiment_score":0.2575055832664172},{"text":"I've also got the product disclosure statement attached to the email for you to review as well.","start":921.58,"end":927.12,"sentiment":"neutral","sentiment_score":0.12665087510557735}],"sentiment":"neutral","sentiment_score":0.09192072693887796,"channel":0,"num_words":74,"start":906.485,"end":927.12},{"sentences":[{"text":"Okay?","start":927.18,"end":927.68,"sentiment":"neutral","sentiment_score":0.03952716290950775}],"sentiment":"neutral","sentiment_score":0.03952716290950775,"channel":0,"num_words":1,"start":927.18,"end":927.68},{"sentences":[{"text":"So what's the difference between the two?","start":928.65,"end":930.73004,"sentiment":"neutral","sentiment_score":-0.007086545495050294},{"text":"Does it give me a bigger bigger return?","start":930.73004,"end":935.63,"sentiment":"neutral","sentiment_score":0.0028083662036806345},{"text":"Or","start":935.69,"end":936.19,"sentiment":"neutral","sentiment_score":0.018789172172546387}],"sentiment":"neutral","sentiment_score":-0.0005218572914600372,"channel":1,"num_words":16,"start":928.65,"end":936.19},{"sentences":[{"text":"Yeah.","start":936.895,"end":937.375,"sentiment":"neutral","sentiment_score":0.023062994703650475},{"text":"So when we kind of look at how this works over time by maneuvering and taking the funds out of Netwealth and putting it on into hub twenty four and the newer portfolio that we've been able to look at for you, it's actually providing a greater level of return.","start":937.375,"end":952.50995,"sentiment":"neutral","sentiment_score":0.1792180398851633},{"text":"So your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform.","start":952.50995,"end":962.15497,"sentiment":"neutral","sentiment_score":0.19257357120513915},{"text":"And we're also gonna roll some funds out of ING.","start":962.455,"end":965.255,"sentiment":"neutral","sentiment_score":0.05610165698453784},{"text":"So you have about 14,000 in ING at the moment.","start":965.255,"end":968.3,"sentiment":"neutral","sentiment_score":0.06474197059869766}],"sentiment":"neutral","sentiment_score":0.15632021400961094,"channel":0,"num_words":96,"start":936.895,"end":968.3},{"sentences":[{"text":"We wanna move every all but 10,000.","start":968.3,"end":971.26,"sentiment":"neutral","sentiment_score":0.08699699917009898},{"text":"You'll keep 10,000 in your ING super and keep your contributions going in there, and then all the money from Netwealth moves into hub 24.","start":971.26,"end":979.92,"sentiment":"neutral","sentiment_score":0.1907586771249771},{"text":"That saves you, for the year, about $67 on administration fees and about a $126 for the year on investment fees.","start":980.175,"end":988.355,"sentiment":"positive","sentiment_score":0.37389485112258364},{"text":"And the newer portfolio that we'll put you in has been performing, shown a five year rolling average of about 11.4% each year.","start":988.975,"end":997.23,"sentiment":"positive","sentiment_score":0.4547333237917527},{"text":"So it has had a greater return over the past.","start":997.23,"end":1000.29,"sentiment":"positive","sentiment_score":0.5161192238330841}],"sentiment":"positive","sentiment_score":0.3354627497840759,"channel":0,"num_words":86,"start":968.3,"end":1000.29},{"sentences":[{"text":"So when you factor in the greater level of return plus the reduction in fees, it does mean that long term, it can have a greater effect for you.","start":1000.43,"end":1008.83,"sentiment":"positive","sentiment_score":0.4225707773504586},{"text":"Does that make sense?","start":1008.83,"end":1009.97,"sentiment":"neutral","sentiment_score":0.18210330605506897}],"sentiment":"positive","sentiment_score":0.39342320507222955,"channel":0,"num_words":33,"start":1000.43,"end":1009.97},{"sentences":[{"text":"Okay.","start":1010.49,"end":1010.99,"sentiment":"neutral","sentiment_score":0.06504136323928833}],"sentiment":"neutral","sentiment_score":0.06504136323928833,"channel":1,"num_words":1,"start":1010.49,"end":1010.99},{"sentences":[{"text":"Did you wanna ask any questions?","start":1013.325,"end":1015.10504,"sentiment":"neutral","sentiment_score":0.03599952192356189}],"sentiment":"neutral","sentiment_score":0.03599952192356189,"channel":0,"num_words":6,"start":1013.325,"end":1015.10504},{"sentences":[{"text":"No.","start":1015.78503,"end":1016.10504,"sentiment":"neutral","sentiment_score":-0.06257832795381546},{"text":"No.","start":1016.10504,"end":1016.34503,"sentiment":"neutral","sentiment_score":-0.05073387920856476},{"text":"That's all good.","start":1016.34503,"end":1017.065,"sentiment":"neutral","sentiment_score":0.06271462390820186},{"text":"I'm just trying to","start":1017.065,"end":1018.185,"sentiment":"neutral","sentiment_score":0.016331436345353723}],"sentiment":"neutral","sentiment_score":0.01557304554929336,"channel":1,"num_words":9,"start":1015.78503,"end":1018.185},{"sentences":[{"text":"Yeah.","start":1018.04504,"end":1018.54504,"sentiment":"neutral","sentiment_score":0.012638683430850506}],"sentiment":"neutral","sentiment_score":0.012638683430850506,"channel":0,"num_words":1,"start":1018.04504,"end":1018.54504},{"sentences":[{"text":"load a password here so I can actually see.","start":1018.185,"end":1020.925,"sentiment":"neutral","sentiment_score":0.017116313903696008}],"sentiment":"neutral","sentiment_score":0.017116313903696008,"channel":1,"num_words":9,"start":1018.185,"end":1020.925},{"sentences":[{"text":"Your contributions?","start":1023.25995,"end":1024.08,"sentiment":"neutral","sentiment_score":0.013402268290519714}],"sentiment":"neutral","sentiment_score":0.013402268290519714,"channel":0,"num_words":2,"start":1023.25995,"end":1024.08},{"sentences":[{"text":"Yeah.","start":1025.305,"end":1025.805,"sentiment":"neutral","sentiment_score":0.05068568512797356}],"sentiment":"neutral","sentiment_score":0.05068568512797356,"channel":1,"num_words":1,"start":1025.305,"end":1025.805},{"sentences":[{"text":"Yeah.","start":1026.94,"end":1027.44,"sentiment":"neutral","sentiment_score":0.07166235148906708},{"text":"So, essentially, with the recommendations there, we're gonna retain I n g.","start":1027.9,"end":1031.98,"sentiment":"neutral","sentiment_score":0.09277559382220109},{"text":"Your contributions will go into I n g.","start":1031.98,"end":1034.62,"sentiment":"neutral","sentiment_score":0.07238753559067845},{"text":"We'll keep the we'll keep your insurances in place within an ING super there.","start":1034.62,"end":1040.655,"sentiment":"neutral","sentiment_score":0.09078248111265046},{"text":"It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly.","start":1040.875,"end":1048.395,"sentiment":"neutral","sentiment_score":0.005581994950771332}],"sentiment":"neutral","sentiment_score":0.052909572857121626,"channel":0,"num_words":60,"start":1026.94,"end":1048.395},{"sentences":[{"text":"It looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING.","start":1048.395,"end":1058.16,"sentiment":"neutral","sentiment_score":0.024424086997492447},{"text":"We don't want money just sitting in ING, sitting in cash.","start":1058.4601,"end":1061.26,"sentiment":"neutral","sentiment_score":-0.08994981172409924},{"text":"We wanna make sure it's invested and still growing with the market as well.","start":1061.26,"end":1065.04,"sentiment":"neutral","sentiment_score":0.08026116740490709},{"text":"Okay?","start":1065.1001,"end":1065.6001,"sentiment":"neutral","sentiment_score":0.02510279417037964}],"sentiment":"neutral","sentiment_score":0.016751263561027664,"channel":0,"num_words":62,"start":1048.395,"end":1065.6001},{"sentences":[{"text":"Yeah.","start":1066.675,"end":1067.175,"sentiment":"neutral","sentiment_score":0.02271381765604019},{"text":"I just gonna get my laptop.","start":1067.395,"end":1069.3151,"sentiment":"neutral","sentiment_score":0.016492455266416073},{"text":"Hang on a sec.","start":1069.3151,"end":1070.115,"sentiment":"neutral","sentiment_score":0.01671956991776824},{"text":"I think I got a face that's saved on there.","start":1070.115,"end":1072.295,"sentiment":"neutral","sentiment_score":0.010950800962746143},{"text":"What did you say you have my sonar in?","start":1088.81,"end":1091.115,"sentiment":"neutral","sentiment_score":-0.0036439429451194075}],"sentiment":"neutral","sentiment_score":0.008841978401566546,"channel":1,"num_words":30,"start":1066.675,"end":1091.115},{"sentences":[{"text":"I'm sorry.","start":1092.575,"end":1093.0549,"sentiment":"neutral","sentiment_score":-0.027064322493970394},{"text":"What was that?","start":1093.0549,"end":1093.955,"sentiment":"neutral","sentiment_score":-0.02388686314225197}],"sentiment":"neutral","sentiment_score":-0.025157846882939337,"channel":0,"num_words":5,"start":1092.575,"end":1093.955},{"sentences":[{"text":"At?","start":1094.315,"end":1094.815,"sentiment":"neutral","sentiment_score":-0.013819647952914238}],"sentiment":"neutral","sentiment_score":-0.013819647952914238,"channel":1,"num_words":1,"start":1094.315,"end":1094.815},{"sentences":[{"text":"I didn't, yeah, it didn't actually say we had your salary at anything.","start":1097.775,"end":1102.515,"sentiment":"neutral","sentiment_score":-0.01832110370294406},{"text":"Your last disclosed salary you have was 100","start":1103.2949,"end":1106.57,"sentiment":"neutral","sentiment_score":0.002822871902026236}],"sentiment":"neutral","sentiment_score":-0.010266255853431565,"channel":0,"num_words":21,"start":1097.775,"end":1106.57},{"sentences":[{"text":"Yes.","start":1108.09,"end":1108.59,"sentiment":"neutral","sentiment_score":0.023461954668164253}],"sentiment":"neutral","sentiment_score":0.023461954668164253,"channel":1,"num_words":1,"start":1108.09,"end":1108.59},{"sentences":[{"text":"and","start":1108.09,"end":1108.59,"sentiment":"neutral","sentiment_score":-0.0005982145667076111}],"sentiment":"neutral","sentiment_score":-0.0005982145667076111,"channel":0,"num_words":1,"start":1108.09,"end":1108.59},{"sentences":[{"text":"Fine.","start":1109.13,"end":1109.63,"sentiment":"neutral","sentiment_score":0.08084433525800705},{"text":"It's","start":1110.01,"end":1110.25,"sentiment":"neutral","sentiment_score":0.06613750755786896}],"sentiment":"neutral","sentiment_score":0.073490921407938,"channel":1,"num_words":2,"start":1109.13,"end":1110.25},{"sentences":[{"text":"80","start":1110.11,"end":1110.61,"sentiment":"neutral","sentiment_score":0.09496699273586272}],"sentiment":"neutral","sentiment_score":0.09496699273586272,"channel":0,"num_words":1,"start":1110.11,"end":1110.61},{"sentences":[{"text":"a hundred and eighty five.","start":1110.25,"end":1111.37,"sentiment":"neutral","sentiment_score":0.0734841600060463},{"text":"We just got a","start":1111.37,"end":1112.33,"sentiment":"neutral","sentiment_score":0.11896216310560703}],"sentiment":"neutral","sentiment_score":0.09369660582807329,"channel":1,"num_words":9,"start":1110.25,"end":1112.33},{"sentences":[{"text":"thousand.","start":1112.13,"end":1112.63,"sentiment":"neutral","sentiment_score":0.07823535054922104}],"sentiment":"neutral","sentiment_score":0.07823535054922104,"channel":0,"num_words":1,"start":1112.13,"end":1112.63},{"sentences":[{"text":"5,005 thousand","start":1112.33,"end":1114.33,"sentiment":"neutral","sentiment_score":0.06263731047511101}],"sentiment":"neutral","sentiment_score":0.06263731047511101,"channel":1,"num_words":2,"start":1112.33,"end":1114.33},{"sentences":[{"text":"Oh,","start":1114.15,"end":1114.63,"sentiment":"positive","sentiment_score":0.3487479090690613}],"sentiment":"positive","sentiment_score":0.3487479090690613,"channel":0,"num_words":1,"start":1114.15,"end":1114.63},{"sentences":[{"text":"dollar","start":1114.33,"end":1114.83,"sentiment":"positive","sentiment_score":0.5409004092216492}],"sentiment":"positive","sentiment_score":0.5409004092216492,"channel":1,"num_words":1,"start":1114.33,"end":1114.83},{"sentences":[{"text":"fantastic.","start":1114.63,"end":1115.13,"sentiment":"positive","sentiment_score":0.5663434267044067}],"sentiment":"positive","sentiment_score":0.5663434267044067,"channel":0,"num_words":1,"start":1114.63,"end":1115.13},{"sentences":[{"text":"is","start":1115.145,"end":1115.645,"sentiment":"positive","sentiment_score":0.3445245325565338}],"sentiment":"positive","sentiment_score":0.3445245325565338,"channel":1,"num_words":1,"start":1115.145,"end":1115.645},{"sentences":[{"text":"Oh, congratulations.","start":1116.31,"end":1117.13,"sentiment":"positive","sentiment_score":0.5063136219978333}],"sentiment":"positive","sentiment_score":0.5063136219978333,"channel":0,"num_words":2,"start":1116.31,"end":1117.13},{"sentences":[{"text":"yeah.","start":1116.665,"end":1117.165,"sentiment":"neutral","sentiment_score":0.08679530024528503}],"sentiment":"neutral","sentiment_score":0.08679530024528503,"channel":1,"num_words":1,"start":1116.665,"end":1117.165},{"sentences":[{"text":"That's well","start":1117.67,"end":1118.31,"sentiment":"neutral","sentiment_score":0.2657279521226883}],"sentiment":"neutral","sentiment_score":0.2657279521226883,"channel":0,"num_words":2,"start":1117.67,"end":1118.31},{"sentences":[{"text":"Yeah.","start":1118.025,"end":1118.525,"sentiment":"neutral","sentiment_score":0.28660690784454346}],"sentiment":"neutral","sentiment_score":0.28660690784454346,"channel":1,"num_words":1,"start":1118.025,"end":1118.525},{"sentences":[{"text":"deserved.","start":1118.31,"end":1118.81,"sentiment":"neutral","sentiment_score":0.27281516790390015}],"sentiment":"neutral","sentiment_score":0.27281516790390015,"channel":0,"num_words":1,"start":1118.31,"end":1118.81},{"sentences":[{"text":"You can keep talking.","start":1123.7051,"end":1124.985,"sentiment":"neutral","sentiment_score":0.09106412623077631},{"text":"Just got a laptop for your nails so I can see where my what does it say on the price look?","start":1124.985,"end":1133.82,"sentiment":"neutral","sentiment_score":0.015883014670440128}],"sentiment":"neutral","sentiment_score":0.02791199252009392,"channel":1,"num_words":25,"start":1123.7051,"end":1133.82},{"sentences":[{"text":"Yeah.","start":1134.62,"end":1135.02,"sentiment":"neutral","sentiment_score":0.10191091895103456},{"text":"That's okay.","start":1135.02,"end":1135.84,"sentiment":"neutral","sentiment_score":0.1701626032590866},{"text":"Not a problem at all.","start":1135.98,"end":1137.36,"sentiment":"neutral","sentiment_score":0.28768221139907835},{"text":"So as I kinda mentioned, we're gonna retain your ING, Super.","start":1137.82,"end":1141.04,"sentiment":"neutral","sentiment_score":0.18942276727069507},{"text":"We'll keep 10,000 in there, keep your contributions going into ING.","start":1141.1,"end":1145.12,"sentiment":"neutral","sentiment_score":0.17640737105499615}],"sentiment":"neutral","sentiment_score":0.19682595680157344,"channel":0,"num_words":30,"start":1134.62,"end":1145.12},{"sentences":[{"text":"We're gonna roll everything over the 10,000 into hub 24 and also move you from network into hub 24 as well.","start":1145.355,"end":1151.615,"sentiment":"neutral","sentiment_score":0.14436295876900354},{"text":"Within ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly.","start":1152.715,"end":1162.4299,"sentiment":"neutral","sentiment_score":0.17513186112046242},{"text":"And then within within Hub twenty four, we're also gonna have your funds invested in a portfolio that has shown a greater level of return over the past.","start":1163.5299,"end":1170.825,"sentiment":"neutral","sentiment_score":0.23730605468153954},{"text":"So, essentially, when your funds are invested within Hub twenty four Super, you'll see you've got some cybersecurity.","start":1171.065,"end":1176.7649,"sentiment":"neutral","sentiment_score":0.16797013746367562},{"text":"You'll have some exposure to European assets at Japan.","start":1177.065,"end":1180.365,"sentiment":"neutral","sentiment_score":0.06267209185494317}],"sentiment":"neutral","sentiment_score":0.1747183032732989,"channel":0,"num_words":112,"start":1145.355,"end":1180.365},{"sentences":[{"text":"We've also got a all world excluding The US investment option for you to give you diversification.","start":1180.985,"end":1186.7301,"sentiment":"neutral","sentiment_score":0.09327404201030731},{"text":"We'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities.","start":1187.5901,"end":1195.3701,"sentiment":"neutral","sentiment_score":0.15084309068818888},{"text":"You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well.","start":1195.43,"end":1203.785,"sentiment":"neutral","sentiment_score":0.19202351924918948},{"text":"So those sorts of investments give you diversification.","start":1203.785,"end":1206.925,"sentiment":"neutral","sentiment_score":0.30336487852036953},{"text":"This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward.","start":1207.625,"end":1216.53,"sentiment":"positive","sentiment_score":0.4990443617105484}],"sentiment":"neutral","sentiment_score":0.26636636674404146,"channel":0,"num_words":100,"start":1180.985,"end":1216.53},{"sentences":[{"text":"One of the biggest things in why this is the best interest for you is that, Hub twenty four is cheaper than NetWell.","start":1216.67,"end":1223.31,"sentiment":"neutral","sentiment_score":0.331431679751562},{"text":"So long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer.","start":1223.31,"end":1230.4349,"sentiment":"positive","sentiment_score":0.34932599487629806},{"text":"The more you pay in fees, the more it affects your long term projected outcome as well.","start":1230.735,"end":1236.015,"sentiment":"neutral","sentiment_score":0.19372043977765477},{"text":"Okay?","start":1236.015,"end":1236.515,"sentiment":"neutral","sentiment_score":0.09848017245531082}],"sentiment":"neutral","sentiment_score":0.2968226693688877,"channel":0,"num_words":63,"start":1216.67,"end":1236.515},{"sentences":[{"text":"Yes.","start":1237.35,"end":1237.75,"sentiment":"neutral","sentiment_score":0.10996663570404051},{"text":"I'm just looking at the face look 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yeah.","start":1244.99,"end":1248.59,"sentiment":"neutral","sentiment_score":0.06554660573601723},{"text":"So we'll have those contributions moved into I n g.","start":1248.59,"end":1251.57,"sentiment":"neutral","sentiment_score":0.055422293394804}],"sentiment":"neutral","sentiment_score":0.0571096787850062,"channel":0,"num_words":12,"start":1244.99,"end":1251.57},{"sentences":[{"text":"And then you just take that and put it in half 24.","start":1251.995,"end":1254.955,"sentiment":"neutral","sentiment_score":0.04378707241266966},{"text":"Is that correct?","start":1254.955,"end":1255.74,"sentiment":"neutral","sentiment_score":0.045886971056461334}],"sentiment":"neutral","sentiment_score":0.04420705214142799,"channel":1,"num_words":15,"start":1251.995,"end":1255.74},{"sentences":[{"text":"That's that's correct.","start":1255.765,"end":1257.045,"sentiment":"neutral","sentiment_score":0.2653845449288686},{"text":"Yeah.","start":1257.045,"end":1257.285,"sentiment":"neutral","sentiment_score":0.20557057857513428},{"text":"We'll provide you with the forms to have your contributions moved.","start":1257.285,"end":1260.665,"sentiment":"neutral","sentiment_score":0.18198542296886444},{"text":"We'll just give that to you once the account is once the it's all ready to go.","start":1260.885,"end":1265.66,"sentiment":"neutral","sentiment_score":0.19111696762197158},{"text":"Once you've signed the advice, we'll give you the form for ING, and you can provide that to your employer.","start":1265.66,"end":1270.54,"sentiment":"neutral","sentiment_score":0.15288598127663136}],"sentiment":"neutral","sentiment_score":0.17904369117548832,"channel":0,"num_words":52,"start":1255.765,"end":1270.54},{"sentences":[{"text":"I can even email that to you today if you like.","start":1270.54,"end":1272.62,"sentiment":"neutral","sentiment_score":0.24010571972890335},{"text":"That way, you can send it off to your payroll team and ask them to have your contributions moved into ING.","start":1272.62,"end":1278.08,"sentiment":"neutral","sentiment_score":0.19294419033186777}],"sentiment":"neutral","sentiment_score":0.20915596606209874,"channel":0,"num_words":32,"start":1270.54,"end":1278.08},{"sentences":[{"text":"Yeah.","start":1279.0751,"end":1279.475,"sentiment":"neutral","sentiment_score":0.1465039849281311},{"text":"Okay.","start":1279.475,"end":1279.875,"sentiment":"neutral","sentiment_score":0.2442535161972046},{"text":"Thank you.","start":1279.875,"end":1280.6951,"sentiment":"positive","sentiment_score":0.5723980367183685}],"sentiment":"positive","sentiment_score":0.3838883936405182,"channel":1,"num_words":4,"start":1279.0751,"end":1280.6951},{"sentences":[{"text":"That's okay.","start":1280.825,"end":1281.5449,"sentiment":"positive","sentiment_score":0.42803332209587097},{"text":"Not a problem at all, Casper.","start":1281.5449,"end":1283.085,"sentiment":"positive","sentiment_score":0.35936127603054047},{"text":"Now the one thing I do like to let you know is we did obviously look at the taxation consequences.","start":1283.865,"end":1287.885,"sentiment":"neutral","sentiment_score":0.06393826138228179},{"text":"So moving funds from one super to another, your super fund does do a tax return every year.","start":1287.945,"end":1293.3,"sentiment":"neutral","sentiment_score":0.09260302140480942},{"text":"So we do estimate for moving from Netwealth to hub 24, the capital gains consequence would be $1,571.","start":1293.38,"end":1302.5,"sentiment":"neutral","sentiment_score":0.06951882131397724}],"sentiment":"neutral","sentiment_score":0.11264363588998094,"channel":0,"num_words":64,"start":1280.825,"end":1302.5},{"sentences":[{"text":"So net Netwealth will account for that taxation consequence.","start":1302.5,"end":1306.74,"sentiment":"neutral","sentiment_score":0.11126530998282963},{"text":"It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super.","start":1306.74,"end":1315.975,"sentiment":"neutral","sentiment_score":0.07171505634837291},{"text":"It's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there","start":1316.035,"end":1327.2156,"sentiment":"neutral","sentiment_score":0.23503248766064644}],"sentiment":"neutral","sentiment_score":0.14614319081107777,"channel":0,"num_words":75,"start":1302.5,"end":1327.2156},{"sentences":[{"text":"Okay.","start":1327.0249,"end":1327.5249,"sentiment":"neutral","sentiment_score":0.17815515398979187}],"sentiment":"neutral","sentiment_score":0.17815515398979187,"channel":1,"num_words":1,"start":1327.0249,"end":1327.5249},{"sentences":[{"text":"for you.","start":1327.2156,"end":1327.8438,"sentiment":"neutral","sentiment_score":0.18713926523923874},{"text":"Okay?","start":1327.8438,"end":1328.1578,"sentiment":"neutral","sentiment_score":0.09406031668186188},{"text":"You","start":1328.1578,"end":1328.4719,"sentiment":"neutral","sentiment_score":0.2326800376176834}],"sentiment":"neutral","sentiment_score":0.1752547211945057,"channel":0,"num_words":4,"start":1327.2156,"end":1328.4719},{"sentences":[{"text":"Yeah.","start":1328.465,"end":1328.7849,"sentiment":"positive","sentiment_score":0.3731616139411926},{"text":"That's","start":1328.7849,"end":1329.105,"sentiment":"positive","sentiment_score":0.7213473320007324}],"sentiment":"positive","sentiment_score":0.5472544729709625,"channel":1,"num_words":2,"start":1328.465,"end":1329.105},{"sentences":[{"text":"beautiful.","start":1328.7861,"end":1329.1002,"sentiment":"positive","sentiment_score":0.7078410387039185},{"text":"We","start":1329.1002,"end":1329.4143,"sentiment":"positive","sentiment_score":0.6231614947319031}],"sentiment":"positive","sentiment_score":0.6655012667179108,"channel":0,"num_words":2,"start":1328.7861,"end":1329.4143},{"sentences":[{"text":"good.","start":1329.105,"end":1329.605,"sentiment":"positive","sentiment_score":0.5161889791488647}],"sentiment":"positive","sentiment_score":0.5161889791488647,"channel":1,"num_words":1,"start":1329.105,"end":1329.605},{"sentences":[{"text":"did sort of have a look and look just the outcome if you did stay in Netwealth is not bad in any way, shape, or form, but it is solely gonna be more expensive for you over the longer term, and the projected outcome that we did see with staying in net wealth was solely dependent on the returns.","start":1329.4143,"end":1348.475,"sentiment":"neutral","sentiment_score":0.03103006751102916},{"text":"We do put projections in here for you, but it's important to note that projections are just projections.","start":1349.335,"end":1354.47,"sentiment":"neutral","sentiment_score":-0.03096605319943693},{"text":"They're based on the return that the suit that the investments have received in the past, and we do know that returns can differ in the future because markets go up and markets go down.","start":1354.47,"end":1367.13,"sentiment":"neutral","sentiment_score":-0.027878179188285557},{"text":"And you still have more than ten years ahead of you before being able to access your super.","start":1367.315,"end":1372.295,"sentiment":"neutral","sentiment_score":-0.0062242889155944186},{"text":"One thing that I did look at was your goal is to be able to, hopefully, at the age of 60, access income of about 150,000 from both your super and also from a business that you guys did have back in New Zealand as","start":1373.075,"end":1385.51,"sentiment":"neutral","sentiment_score":0.2888201950324906}],"sentiment":"neutral","sentiment_score":0.07532868759972708,"channel":0,"num_words":175,"start":1329.4143,"end":1385.51},{"sentences":[{"text":"Yes.","start":1385.475,"end":1385.64,"sentiment":"neutral","sentiment_score":0.13371261954307556}],"sentiment":"neutral","sentiment_score":0.13371261954307556,"channel":1,"num_words":1,"start":1385.475,"end":1385.64},{"sentences":[{"text":"well.","start":1385.51,"end":1386.01,"sentiment":"neutral","sentiment_score":0.12237627059221268},{"text":"With that projected outcome,","start":1387.11,"end":1388.57,"sentiment":"neutral","sentiment_score":0.13027183338999748}],"sentiment":"neutral","sentiment_score":0.12869272083044053,"channel":0,"num_words":5,"start":1385.51,"end":1388.57},{"sentences":[{"text":"So can I just interrupt you for a second?","start":1388.2001,"end":1390.4401,"sentiment":"neutral","sentiment_score":-0.02857104316353798},{"text":"Can you give me a","start":1390.4401,"end":1391.48,"sentiment":"neutral","sentiment_score":-0.030652939155697823}],"sentiment":"neutral","sentiment_score":-0.02931457744645221,"channel":1,"num_words":14,"start":1388.2001,"end":1391.48},{"sentences":[{"text":"Sure.","start":1391.183,"end":1391.683,"sentiment":"neutral","sentiment_score":0.02381936646997929}],"sentiment":"neutral","sentiment_score":0.02381936646997929,"channel":0,"num_words":1,"start":1391.183,"end":1391.683},{"sentences":[{"text":"callback in two minutes?","start":1391.48,"end":1392.68,"sentiment":"neutral","sentiment_score":0.008111156523227692},{"text":"I just need to go and use the facilities quickly.","start":1392.68,"end":1395.98,"sentiment":"neutral","sentiment_score":0.012024332582950593}],"sentiment":"neutral","sentiment_score":0.010906282280172621,"channel":1,"num_words":14,"start":1391.48,"end":1395.98},{"sentences":[{"text":"Oh, absolutely.","start":1396.063,"end":1397.203,"sentiment":"positive","sentiment_score":0.6076793670654297}],"sentiment":"positive","sentiment_score":0.6076793670654297,"channel":0,"num_words":2,"start":1396.063,"end":1397.203},{"sentences":[{"text":"Thank you.","start":1398.3829,"end":1399.1229,"sentiment":"positive","sentiment_score":0.7749256491661072}],"sentiment":"positive","sentiment_score":0.7749256491661072,"channel":1,"num_words":2,"start":1398.3829,"end":1399.1229},{"sentences":[{"text":"That's okay.","start":1399.5829,"end":1400.4829,"sentiment":"positive","sentiment_score":0.5402540564537048}],"sentiment":"positive","sentiment_score":0.5402540564537048,"channel":0,"num_words":2,"start":1399.5829,"end":1400.4829},{"sentences":[{"text":"Bye.","start":1401.3429,"end":1401.8429,"sentiment":"neutral","sentiment_score":-0.13165970146656036}],"sentiment":"neutral","sentiment_score":-0.13165970146656036,"channel":1,"num_words":1,"start":1401.3429,"end":1401.8429}]},"summary":{"result":"success","short":"A representative from Oakey Financial calls Casper to run through their updated statement of advice and provide guidance on accessing personal information and advice on their goals. The agent explains that the customer's medical history and pre assessment is a part of their insurance policy and can still apply for new cover. The agent recommends retaining their H1 super account and keeping employer contributions going into 33%. The agent emphasizes the importance of saving fees and paying less in fees to ensure proper investment and diversification, and explains that the customer's retirement plans will not affect their financial situation."},"intents":{"segments":[{"text":"I had you booked in this morning just to run through your updated statement of advice. Is now still a good time there for you?","start_word":21,"end_word":45,"intents":[{"intent":"Inform about call timing","confidence_score":0.0000047395233},{"intent":"Run through statement of advice","confidence_score":0.003546539}]},{"text":"And do you happen to have access to your emails at the moment or not right now? Yeah. No.","start_word":117,"end_word":135,"intents":[{"intent":"Verify availability","confidence_score":0.0009027719}]},{"text":"Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file. It's yesterday, I'm gonna start on the 05/22/1977, Yep. and it is 34 Nursery Place, Richlands, Brisbane 4077. Fantastic.","start_word":193,"end_word":245,"intents":[{"intent":"Inquire about security check","confidence_score":0.001579309}]},{"text":"You're meant to that? fly back out tonight. Is that right?","start_word":299,"end_word":309,"intents":[{"intent":"Confirm connection","confidence_score":0.00053871924}]},{"text":"I'm just trying to find the documents. That's okay.","start_word":373,"end_word":381,"intents":[{"intent":"Find documents","confidence_score":0.1840006}]},{"text":"But, essentially, with this one here on the front of the document, it will note there that the advice has been provided by yourself sorry, for yourself by my lovely team here at Oakview Financial. The date of the document is the 06/02/2026. Now advice is valid for sixty days from the date of the statement of advice for you. Okay?","start_word":673,"end_word":733,"intents":[{"intent":"Assist with advice and planning","confidence_score":0.000028009452}]},{"text":"We're so we're looking at ways to be able to provide additional growth and look at the best ways to structure your super so that it's low cost but also working harder for you.","start_word":917,"end_word":950,"intents":[{"intent":"Provide additional growth and plan for additional coverage and tpds protection","confidence_score":2.6622715e-10}]},{"text":"And the other thing is when we look at your pre assessment, any new insurances would have quite a lot of loadings or any exclusions to them.","start_word":1029,"end_word":1055,"intents":[{"intent":"Discuss pre assessment and exclusions","confidence_score":0.002351622}]},{"text":"Australian based, Correct. if You're you know an what Australian I mean. tax yeah.","start_word":1096,"end_word":1109,"intents":[{"intent":"Define identity","confidence_score":0.000070713686}]},{"text":"The insurers won't provide cover under that basis.","start_word":1152,"end_word":1159,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.05501522}]},{"text":"But the other side of that is your pre assessment as we kinda went through.","start_word":1160,"end_word":1174,"intents":[{"intent":"Discuss pre assessment","confidence_score":0.023055434}]},{"text":"You did have some issues with your shoulders. You've got some mental health there. Yes.","start_word":1175,"end_word":1189,"intents":[{"intent":"Discuss shoulders and mental health","confidence_score":0.03732}]},{"text":"So what if I was, say, I mean, like, moving to Queensland now, but I I do fly Mhmm. out to New Zealand most of the times.","start_word":1331,"end_word":1357,"intents":[{"intent":"Discuss relocation to qatar","confidence_score":0.06470151}]},{"text":"So what if I was, say, I mean, like, moving to Queensland now, but I I do fly Mhmm. out to New Zealand most of the times. What if I was, say, going to Bali every time I'm off? Is that Yeah.","start_word":1331,"end_word":1372,"intents":[{"intent":"Confirm travel plans","confidence_score":0.00013689791},{"intent":"Clarify travel plans","confidence_score":0.021041352}]},{"text":"But you're theoretically also then once you've finished your work, and you're going back overseas to another country. So they see that as you essentially not residing here. The insurers want you to be in the country for majority of your time, not just while you're at work, and that's the area they are that they have issues with. Okay.","start_word":1416,"end_word":1475,"intents":[{"intent":"Discuss eligibility","confidence_score":0.0000051220272}]},{"text":"health side on my mental health that you got? Yeah.","start_word":1611,"end_word":1620,"intents":[{"intent":"Clarify health concern","confidence_score":0.00040619663}]},{"text":"They still have very big big on that, especially after COVID. Mental health is very, very huge at the moment. A lot of people being diagnosed with it. A lot of people have been feeling it, and it's one of the biggest things that is claimed on.","start_word":1739,"end_word":1785,"intents":[{"intent":"Clarify diagnosis","confidence_score":0.06776318}]},{"text":"So the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health. Yeah.","start_word":1787,"end_word":1834,"intents":[{"intent":"Claim super benefits","confidence_score":0.13268112}]},{"text":"So, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there.","start_word":1844,"end_word":1885,"intents":[{"intent":"Retain ing super","confidence_score":0.050381444},{"intent":"Retain coverage","confidence_score":0.001751094}]},{"text":"At the moment, we're also recommending that you do retain keep your employer contributions going into ING. Because your insurance cover is held there, we need to retain that insurance cover for the moment.","start_word":2137,"end_word":2170,"intents":[{"intent":"Keep employer contributions in ing","confidence_score":0.002807601}]},{"text":"We will provide the form so you can have that sure. changed back so they go into your, the ING account.","start_word":2360,"end_word":2380,"intents":[{"intent":"Provide forms","confidence_score":0.012447747}]},{"text":"So we'll make sure the form is provided to you to have those contributions redirected back to ING. Okay? Yep. Yeah.","start_word":2471,"end_word":2491,"intents":[{"intent":"Redirect contributions to ing account","confidence_score":0.033317354}]},{"text":"Could you get my forms I sent through for my beneficiary? yeah. I'll double check that they've all come through as well. It looks like everything's fine there.","start_word":2503,"end_word":2530,"intents":[{"intent":"Confirm form receipt","confidence_score":0.016781902}]},{"text":"Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while you. there. Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there.","start_word":2585,"end_word":2643,"intents":[{"intent":"Explain netwealth's advantage over netwealth","confidence_score":0.00033100988}]},{"text":"So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four.","start_word":2644,"end_word":2670,"intents":[{"intent":"Recommend acquiring funds from netwealth","confidence_score":0.000024130803},{"intent":"Recommend recommending a move to a new platform","confidence_score":0.000053125197},{"intent":"Recommend introducing a new platform","confidence_score":0.00023702657},{"intent":"Recommend moving funds to hub twenty four","confidence_score":0.0007346488}]},{"text":"So your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform.","start_word":2871,"end_word":2895,"intents":[{"intent":"Discuss lowering fees in favor of netwealth","confidence_score":0.000019977671}]},{"text":"Did you wanna ask any questions? No. No.","start_word":3036,"end_word":3043,"intents":[{"intent":"Ask questions","confidence_score":0.27246895},{"intent":"Ask for clarification","confidence_score":0.0000687545}]},{"text":"So, essentially, with the recommendations there, we're gonna retain I n g. Your contributions will go into I n g. We'll keep the we'll keep your insurances in place within an ING super there.","start_word":3065,"end_word":3098,"intents":[{"intent":"Recommend keeping contributions","confidence_score":0.018912042}]},{"text":"It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly. It looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING.","start_word":3099,"end_word":3159,"intents":[{"intent":"Recommend upgrading portfolio","confidence_score":0.0010997463}]},{"text":"So as I kinda mentioned, we're gonna retain your ING, Super. We'll keep 10,000 in there, keep your contributions going into ING.","start_word":3304,"end_word":3325,"intents":[{"intent":"Retain ing super","confidence_score":0.38941935},{"intent":"Keep contributions","confidence_score":0.62164533},{"intent":"Maintain portfolio","confidence_score":0.0077022454}]},{"text":"Within ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly.","start_word":3347,"end_word":3382,"intents":[{"intent":"Move funds into hub 24, Sign investment forms","confidence_score":0.0039581074}]},{"text":"We'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities. You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well. So those sorts of investments give you diversification. This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward.","start_word":3455,"end_word":3537,"intents":[{"intent":"Diversify funds","confidence_score":0.0060076173}]},{"text":"So long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer. The more you pay in fees, the more it affects your long term projected outcome as well. Okay? Yes.","start_word":3561,"end_word":3601,"intents":[{"intent":"Save fees","confidence_score":0.40785408}]},{"text":"So we'll have those contributions moved into I n g. And then you just take that and put it in half 24. Is that correct?","start_word":3625,"end_word":3649,"intents":[{"intent":"Confirm portfolio size","confidence_score":0.011577937}]},{"text":"We'll provide you with the forms to have your contributions moved. We'll just give that to you once the account is once the it's all ready to go. Once you've signed the advice, we'll give you the form for ING, and you can provide that to your employer. I can even email that to you today if you like. That way, you can send it off to your payroll team and ask them to have your contributions moved into ING.","start_word":3654,"end_word":3733,"intents":[{"intent":"Provide forms","confidence_score":0.50323683},{"intent":"Provide form","confidence_score":0.05832727}]},{"text":"I can even email that to you today if you like. That way, you can send it off to your payroll team and ask them to have your contributions moved into ING. Yeah.","start_word":3702,"end_word":3734,"intents":[{"intent":"Email form","confidence_score":0.16026448}]},{"text":"Now the one thing I do like to let you know is we did obviously look at the taxation consequences.","start_word":3746,"end_word":3765,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.5119975}]},{"text":"It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super. It's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there Okay.","start_word":3811,"end_word":3877,"intents":[{"intent":"Discuss impact on portfolio","confidence_score":0.00062725286}]},{"text":"for you.","start_word":3878,"end_word":3879,"intents":[{"intent":"Adjust allocation","confidence_score":0.000013882605}]},{"text":"And you still have more than ten years ahead of you before being able to access your super.","start_word":3999,"end_word":4016,"intents":[{"intent":"Discuss future opportunities","confidence_score":0.0003298782}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Casper. It's Dana from Oakey Financial. How are you this morning?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.21259677410125732},{"text":"Good. And yourself? I'm very well. Thank you. I had you booked in this morning just to run through your updated statement of advice.","start_word":13,"end_word":36,"sentiment":"positive","sentiment_score":0.45549076795578},{"text":"Is now still a good time there for you? Can you just give me one second? I'm just gonna turn off the light. Yeah. You're Okay. right. And it's heavy. I'm silent. Yeah. That's absolutely fine. Yeah. Go ahead.","start_word":37,"end_word":75,"sentiment":"neutral","sentiment_score":0.04323604702949524},{"text":"Excellent.","start_word":76,"end_word":76,"sentiment":"positive","sentiment_score":0.4269331097602844},{"text":"Now, Casper, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yeah.","start_word":77,"end_word":110,"sentiment":"neutral","sentiment_score":0.1804439872503281},{"text":"That's all good. Thank you. Fantastic.","start_word":111,"end_word":116,"sentiment":"positive","sentiment_score":0.4627259969711304},{"text":"And do you happen to have access to your emails at the moment or not right now? Yeah. No. I do. You do? Fantastic. What I'll do is I'm just gonna send through the document to you. If I can get you just to pop into your emails there for me, we can just have a quick look at the document, and I can run through those recommendations there for you. Okay? Yep. All good.","start_word":117,"end_word":191,"sentiment":"neutral","sentiment_score":0.1461586207151413},{"text":"Fantastic.","start_word":192,"end_word":192,"sentiment":"positive","sentiment_score":0.42764776945114136},{"text":"Now while that's coming through, just to do a quick security check with you, I'll just get you to confirm your full name, your date of birth, and address I should have on file. It's yesterday, I'm gonna start on the 05/22/1977, Yep. and it is 34 Nursery Place, Richlands, Brisbane 4077.","start_word":193,"end_word":244,"sentiment":"neutral","sentiment_score":0.12608838081359863},{"text":"Fantastic. Thank you so much for that.","start_word":245,"end_word":251,"sentiment":"positive","sentiment_score":0.5987064838409424},{"text":"How's your morning been so far? I know it's still quite early over there. Yeah. I've got a flu. So yeah. Oh, I'm I'm in bed. so sorry. Hey. Oh, That's all good. hopefully, a speedy recovery. Yes. I hope so too. You're What's that? What's yeah. You're meant to that? fly back out tonight. Is that right? Back out to No. New Tomorrow Zealand? morning, Tomorrow flying morning. back. Yeah. Oh, did you get through Just the week of work before you caught the flu? Or no. I've had it for a couple of days, but I didn't go to work last night.","start_word":252,"end_word":355,"sentiment":"neutral","sentiment_score":-0.019223778454873424},{"text":"It's oh, I'm so sorry to hear that.","start_word":356,"end_word":363,"sentiment":"negative","sentiment_score":-0.39083924889564514},{"text":"Hopefully, you feel all a bit good.","start_word":364,"end_word":370,"sentiment":"positive","sentiment_score":0.3608013093471527},{"text":"better soon. I'm just trying to find the documents. That's okay. So with the email, it should come through from OdooSign there. Essentially, when you open the email, you should see it. It'll have a little button to press to sign. You don't have to sign anything, but it just takes you through so you can review the document. And this time, I'm just going through all my box, and I can't see it Double check your spam boxes while your junk mail. Sometimes it goes through to yet. there. Yeah. That's just that's the one I'm on now and nothing there. Nothing there at all? It might take a minute or a little bit to come through. If it doesn't come through, that's okay. I can run through it for you. Right. Yeah. There's nothing nothing yet by the looks of it. Okay. Let me just make sure that I can see that it has sent on this end for you. I'm just gonna press resend just to see if anything pops through now. Okay. I'll give it a couple of seconds. Yeah. Yeah. Nothing currently. No. That's okay. If it doesn't, that's absolutely fine. I can just run through the advice there for you or try to keep it as simple and as brief as possible, then let you go back and have a really good look at at it when it does happen to come Yeah. through. It And that's could that's just take good. a bit Yeah. more time. That's from my truth. Yeah. Yeah. Nothing has come through yet. I'll keep on Nothing. looking while we while you're talking, but Yeah. That's okay. I'll try to keep it as easy as possible for you. It is a bit harder when you're not looking at the document. But, essentially, with this one here on the front of the document, it will note there that the advice has been provided by yourself sorry, for yourself by my lovely team here at Oakview Financial. The date of the document is the 06/02/2026. Now advice is valid for sixty days from the date of the statement of advice for you. Okay? Yep. On Yep. the front page, you'll have my license number. So I am a licensed adviser through ASIC, and my registration number for your reference is 1304394. Okay? Yep. As you are going through those first few pages there, when you do get to look at the documents there, it will note that that we do provide advice under the best interest duty, which is a part of the corporations act. It's about making sure we understand what your goals are and what you're working towards and the advice is appropriate towards your goals, Yep. advice in order to help you meet your goals. But there's also a point where if we're unable to meet your goals, that the advice is reflective of that as well. Okay? Yep.","start_word":371,"end_word":861,"sentiment":"neutral","sentiment_score":0.03135471245512943},{"text":"Excellent.","start_word":862,"end_word":862,"sentiment":"positive","sentiment_score":0.5132816433906555},{"text":"The areas that we are looking at at the moment are superannuation. So you were hoping to be able to access super at around about age 60. You were hoping to draw income of approximately 150,000 from both super and funds from a business that you do have in New Zealand there as well. We're so we're looking at ways to be able to provide additional growth and look at the best ways to structure your super so that it's low cost but also working harder for you. You did have an original goal with insurance of trying to get some new cover, some life, some TPDs, some income protection, and possibly trauma there as well. As per Yep. our last conversation, we did attempt to get new cover because you have physically you're living in New Zealand and just coming back to Australia for work whilst you are still a tax resident of Australia.","start_word":863,"end_word":1017,"sentiment":"neutral","sentiment_score":0.023992562666535378},{"text":"We have been unable to get new cover due to that. And the other thing is when we look at your pre assessment, any new insurances would have quite a lot of loadings or any exclusions to them.","start_word":1018,"end_word":1055,"sentiment":"negative","sentiment_score":-0.4245782196521759},{"text":"So Can I we've looked just at touch the best on that quickly, please? yeah. Sure. Even though I even though I go to New Zealand regularly, Yeah. I'm not changing my address or anything. So I'm still technically No. Australian based, Correct. if You're you know an what Australian I mean. tax yeah. You're an Australian tax resident, and that's absolutely fine. However, you do go back to New Zealand when you're not at work. So they do consider that whilst you're Australian tax resident, they do consider you to be living in New Zealand. The insurers won't provide cover under that basis. But the other side of that is your pre assessment as we kinda went through. You did have some issues with your shoulders. You've got some mental health there. Yes. Any new cover would have additional excluding dental loading for any preexisting Mhmm. conditions. So it meant that if we were to apply for new cover, if we were able to get new cover, the mental health that you have, your, you know, most recent shoulder issues would mean that No. they would exclude those preexisting conditions. So the cover you have now is actually better because you can't, there's no loadings or exclusions on that cover. So you're more likely to claim on the cover you have now as opposed to any new cover that we were able to get. Does that make sense? Yeah. Yeah. It's better to keep the cover with no loadings and or exclusions rather than apply for new cover and have exclusions on it where you can't claim for any of your preexisting Yeah. conditions. So what if I was, say, I mean, like, moving to Queensland now, but I I do fly Mhmm. out to New Zealand most of the times. What if I was, say, going to Bali every time I'm off? Is that Yeah. basically It's enough the to same see me thing. living in Bali? Yeah. It's exactly the same thing as you're going to New Zealand. You're you're coming to Australia and you're working in Australia, so you're a tax resident, which is fine. But you're theoretically also then once you've finished your work, and you're going back overseas to another country. So they see that as you essentially not residing here. The insurers want you to be in the country for majority of your time, not just while you're at work, and that's the area they are that they have issues with. Okay. Yeah. Yeah. But look, honestly, the cover What you if have I didn't what yeah. if I didn't disclose that and so I'm just, like, taking a holiday every time I'm off? The problem with that is that you're non disclosing, so you're intentionally holding that information back from them, which means that they could put the cover in place.","start_word":1056,"end_word":1534,"sentiment":"neutral","sentiment_score":-0.021123122392778356},{"text":"But if you then go to claim and they find out that you've intentionally not disclosed something or, you know, provide provided false information, then they won't pay the claim. You will have paid all those premiums, and they just turn around and say, you're not eligible for the claim. You weren't eligible to have the cover in the first place, and they won't refund you the premiums.","start_word":1535,"end_word":1602,"sentiment":"negative","sentiment_score":-0.45585718750953674},{"text":"Yes. Other questions, what is the mental Sure. health side on my mental health that you got? Yeah. So you noticed and disclosed that you had some depression. So, essentially, because you've disclosed depression, they after 2020 and with COVID having been a thing, the insurers are very, very strict on mental health. So wherever you've had anxiety or depression or any kind of mental health related illnesses or any symptoms of mental health, they always exclude that. And, theoretically, mental health is one of the biggest things that is claimed on, especially for TBD and income protection. So they would have a preexisting condition.","start_word":1603,"end_word":1707,"sentiment":"neutral","sentiment_score":-0.18663519620895383},{"text":"I would not like to cancel the cover you have now for cover that has any exclusions which stop you for claiming.","start_word":1708,"end_word":1729,"sentiment":"negative","sentiment_score":-0.40704941749572754},{"text":"Even though that is so long ago. Yeah. Yeah.","start_word":1730,"end_word":1738,"sentiment":"neutral","sentiment_score":-0.19400036334991455},{"text":"They still have very big big on that, especially after COVID. Mental health is very, very huge at the moment. A lot of people being diagnosed with it. A lot of people have been feeling it, and it's one of the biggest things that is claimed on.","start_word":1739,"end_word":1785,"sentiment":"negative","sentiment_score":-0.40371474623680115},{"text":"So the insurers look at that, as one of the things that is being claimed on pretty prevalently and probably the most that they're paying out, and therefore, they are focused on making sure that they have to they can limit the claim to preexisting mental health. Yeah. Yeah. Okay. Alrighty.","start_word":1786,"end_word":1836,"sentiment":"neutral","sentiment_score":-0.037631820887327194},{"text":"Thank you. That's okay. That's all good.","start_word":1837,"end_word":1843,"sentiment":"positive","sentiment_score":0.5914214849472046},{"text":"So, essentially, what I sort of looked at with regard to your super and the insurance side of things is that I am recommending that you do retain your ING super account just to retain the insurances you have in place there. In the event of passing, it does mean that you do have the existing cover amount of 160,000, and you've also got a 160,000 in TBD as well. So in the event of claiming for life and TBD, we can claim those amounts for you from from the ING super, and we can also claim against your your super, so your ING super account as well as your NetWell super account as well.","start_word":1844,"end_word":1958,"sentiment":"neutral","sentiment_score":0.13642899692058563},{"text":"So you can get additional benefit on top of that paid out.","start_word":1959,"end_word":1970,"sentiment":"positive","sentiment_score":0.4705963730812073},{"text":"As I explained before, retaining those benefits is preferable because you don't have any loadings or exclusions applied to those, so you're more likely to claim on that cover. Any new cover, if we were able to get it, which we're unfortunately not able to due to your circumstances, would have loadings and or exclusions applied to the cover. So it does make it harder to claim on cover when you have loadings and exclusions, and loadings makes it more expensive. So, say, if your cover was to cost a $100 and they added a 100% loading onto that, your cover would be double the cost. So it does also have an effect on your super long time long term. Okay? Yep. So keeping your insurances in place with ING is the most preferable option at the moment, giving you a bit of cover, but also making sure that you're able to claim on that cover in the event that something was to happen to you. At the moment, we're also recommending that you do retain keep your employer contributions going into ING. Because your insurance cover is held there, we need to retain that insurance cover for the moment. You do need to keep those employer contributions going into ING. The So other thing I did look at is that's all. All my super, yeah. I think, is going on my May 12. Do I have to have my super going to my NGS account? Your employer contributions to go into your ING account. Yes. So I have to change that then? Well, they are going in there at the moment, aren't they? Let me double check. Yeah. Your employer contributions should are going into ING at the moment. They've never actually been moved away from ING. So let me double check with Netwealth to make sure nothing has changed there because your contributions going into ING is really important to retain that that insurance cover. So, yeah, we had a look. We hadn't seen anything coming in here just to make sure nothing's changed since we last looked at this. Where are we? I'm sure when I signed up for work, I gave them my Metro stuff. So I just wanted to Oh, yeah. I can see some employer contributions coming into make here. Interesting. That's okay. We will provide the form so you can have that sure. changed back so they go into your, the ING account. Because, realistically, you wanna make sure those contributions are going into the account with where your insurances are, and that's because under the legislation, if your super balance in that INT account falls below, generally, about $6,000 or if the employer contributions start going for a certain period of time, it does mean that the insurances are at risk of canceling. And if you the insurances do cancel, then you've got to apply for new cover, which means that there could be additional loadings or exclusions applied to the cover. So we'll make sure the form is provided to you to have those contributions redirected back to ING. Okay? Yep. Yeah. We'll help I'm you with talking that, Casper. about Then forms. Could you get my forms I sent through for my beneficiary? yeah. I'll double check that they've all come through as well.","start_word":1971,"end_word":2524,"sentiment":"neutral","sentiment_score":-0.021070396668859338},{"text":"It looks like everything's fine there.","start_word":2525,"end_word":2530,"sentiment":"positive","sentiment_score":0.5191963315010071},{"text":"Let me just have a quick look to see if they've all come through fine, because I believe you sent them back to the admin team. Three seconds. Yes. So they have all been received back, and they've been provided to Netwealth to have all that updated for you. Okay? Okay.","start_word":2531,"end_word":2581,"sentiment":"neutral","sentiment_score":0.17252227663993835},{"text":"Thank Beautiful. Fantastic.","start_word":2582,"end_word":2584,"sentiment":"positive","sentiment_score":0.7812473177909851},{"text":"Now the other thing I did look at was your Netwealth super because you have been in Netwealth for a while you. there. Netwealth is not a bad super platform, but we wanted to have a look at the super platform and, obviously, the underlying investments because some have been underperforming, and there are cheaper other platforms out there. So what I am also recommending is that that we move you out of Netwealth and move you into a new super fund called Hub twenty four. The main reason for this is that Hub twenty four is a much cheaper platform.","start_word":2585,"end_word":2685,"sentiment":"neutral","sentiment_score":0.06312591582536697},{"text":"It's actually cheaper in administration fees and investment fees, and paying less fees for your super platform is also gonna provide benefits with less money coming out of your super, which can provide greater compounding over the longer term.","start_word":2686,"end_word":2724,"sentiment":"positive","sentiment_score":0.3427105247974396},{"text":"So I'm recommending Mhmm. that we do remove take everything out of Netwealth, and so we'll sell everything down from Netwealth and move you into a new platform called Hub twenty four. Hub twenty four has been around for a very long time. It's an Australian ASX listed company. You can Google them and have a really good look at them. I've also got the product disclosure statement attached to the email for you to review as well. Okay? So what's the difference between the two? Does it give me a bigger bigger return? Or Yeah. So when we kind of look at how this works over time by maneuvering and taking the funds out of Netwealth and putting it on into hub twenty four and the newer portfolio that we've been able to look at for you, it's actually providing a greater level of return. So your current circumstances show the average return over the past five years is about 10.26% by reducing your fees being in a cheaper platform. And we're also gonna roll some funds out of ING. So you have about 14,000 in ING at the moment. We wanna move every all but 10,000. You'll keep 10,000 in your ING super and keep your contributions going in there, and then all the money from Netwealth moves into hub 24.","start_word":2725,"end_word":2947,"sentiment":"neutral","sentiment_score":0.12153197744769366},{"text":"That saves you, for the year, about $67 on administration fees and about a $126 for the year on investment fees. And the newer portfolio that we'll put you in has been performing, shown a five year rolling average of about 11.4% each year. So it has had a greater return over the past. So when you factor in the greater level of return plus the reduction in fees, it does mean that long term, it can have a greater effect for you.","start_word":2948,"end_word":3030,"sentiment":"positive","sentiment_score":0.4288956820964813},{"text":"Does that make sense? Okay. Did you wanna ask any questions? No. No. That's all good. I'm just trying to Yeah. load a password here so I can actually see. Your contributions? Yeah. Yeah. So, essentially, with the recommendations there, we're gonna retain I n g. Your contributions will go into I n g. We'll keep the we'll keep your insurances in place within an ING super there. It does have a when we had a look at the research, it does also look like your funds within ING aren't really invested correctly. It looks like they're held in a cash hub, so we are recommending that we have those funds invested into the high growth portfolio to make sure that they are working harder for you in ING. We don't want money just sitting in ING, sitting in cash. We wanna make sure it's invested and still growing with the market as well. Okay? Yeah. I just gonna get my laptop. Hang on a sec. I think I got a face that's saved on there. What did you say you have my sonar in? I'm sorry. What was that? At? I didn't, yeah, it didn't actually say we had your salary at anything. Your last disclosed salary you have was 100 and Yes. Fine. It's 80 a hundred and eighty five. We just got a thousand. 5,005 thousand Oh, dollar fantastic.","start_word":3031,"end_word":3262,"sentiment":"neutral","sentiment_score":0.03640008717775345},{"text":"is Oh, congratulations.","start_word":3263,"end_word":3265,"sentiment":"positive","sentiment_score":0.47395583987236023},{"text":"yeah. That's well Yeah. deserved. You can keep talking. Just got a laptop for your nails so I can see where my what does it say on the price look? Yeah. That's okay. Not a problem at all. So as I kinda mentioned, we're gonna retain your ING, Super. We'll keep 10,000 in there, keep your contributions going into ING. We're gonna roll everything over the 10,000 into hub 24 and also move you from network into hub 24 as well. Within ING, we wanna make sure you're invested in the high growth portfolio there, so we'll make sure that that the investment forms are signed and submitted to them to make sure that you're invested correctly. And then within within Hub twenty four, we're also gonna have your funds invested in a portfolio that has shown a greater level of return over the past. So, essentially, when your funds are invested within Hub twenty four Super, you'll see you've got some cybersecurity. You'll have some exposure to European assets at Japan. We've also got a all world excluding The US investment option for you to give you diversification. We'll also see you invested in the S and P 500, the Australian 200 to give you some exposure to US and Australian equities. You'll also see about 7% in physical gold and then also seeing some lower risk defensive investments like funds as well. So those sorts of investments give you diversification.","start_word":3266,"end_word":3507,"sentiment":"neutral","sentiment_score":0.167144708828},{"text":"This portfolio has shown shown a greater level of return over the past, and we certainly wanna make sure that sort of provides a greater level of return moving forward.","start_word":3508,"end_word":3537,"sentiment":"positive","sentiment_score":0.4965001940727234},{"text":"One of the biggest things in why this is the best interest for you is that, Hub twenty four is cheaper than NetWell.","start_word":3538,"end_word":3560,"sentiment":"neutral","sentiment_score":0.32655659317970276},{"text":"So long term, saving on fees and paying less in fees is really important to make sure your portfolio does work longer.","start_word":3561,"end_word":3582,"sentiment":"positive","sentiment_score":0.35073158144950867},{"text":"The more you pay in fees, the more it affects your long term projected outcome as well. Okay? Yes. I'm just looking at the face look now. My front name is Metro Super Nation Personal Super, and that's Yeah. $744.59. We yeah. So we'll have those contributions moved into I n g. And then you just take that and put it in half 24. Is that correct? That's that's correct. Yeah. We'll provide you with the forms to have your contributions moved. We'll just give that to you once the account is once the it's all ready to go. Once you've signed the advice, we'll give you the form for ING, and you can provide that to your employer. I can even email that to you today if you like. That way, you can send it off to your payroll team and ask them to have your contributions moved into ING. Yeah. Okay.","start_word":3583,"end_word":3735,"sentiment":"neutral","sentiment_score":0.14482587926528034},{"text":"Thank you. That's okay. Not a problem at all, Casper.","start_word":3736,"end_word":3745,"sentiment":"positive","sentiment_score":0.4176186919212342},{"text":"Now the one thing I do like to let you know is we did obviously look at the taxation consequences. So moving funds from one super to another, your super fund does do a tax return every year. So we do estimate for moving from Netwealth to hub 24, the capital gains consequence would be $1,571. So net Netwealth will account for that taxation consequence. It doesn't affect you in any way, shape, or form, but it means moving and selling investments and moving from one platform to another, there is gonna be a tax consequence for your super. It's about $1,571, but when you kind of look forward, that can be made back nice and quick by the better performance of the newer fund and also the cheaper fees there Okay. for you. Okay? You Yeah.","start_word":3746,"end_word":3882,"sentiment":"neutral","sentiment_score":0.11749237775802612},{"text":"That's beautiful. We good.","start_word":3883,"end_word":3886,"sentiment":"positive","sentiment_score":0.6544079184532166},{"text":"did sort of have a look and look just the outcome if you did stay in Netwealth is not bad in any way, shape, or form, but it is solely gonna be more expensive for you over the longer term, and the projected outcome that we did see with staying in net wealth was solely dependent on the returns. We do put projections in here for you, but it's important to note that projections are just projections. They're based on the return that the suit that the investments have received in the past, and we do know that returns can differ in the future because markets go up and markets go down. And you still have more than ten years ahead of you before being able to access your super. One thing that I did look at was your goal is to be able to, hopefully, at the age of 60, access income of about 150,000 from both your super and also from a business that you guys did have back in New Zealand as Yes. well. With that projected outcome, So can I just interrupt you for a second? Can you give me a Sure. callback in two minutes? I just need to go and use the facilities quickly.","start_word":3887,"end_word":4096,"sentiment":"neutral","sentiment_score":0.06465462350197845},{"text":"Oh, absolutely. Thank you. That's okay.","start_word":4097,"end_word":4102,"sentiment":"positive","sentiment_score":0.6176433563232422},{"text":"Bye.","start_word":4103,"end_word":4103,"sentiment":"neutral","sentiment_score":0.33310049772262573}],"average":{"sentiment":"neutral","sentiment_score":0.05119610908988783}}}}