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Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your email here at the moment as well? It's that's okay. If you don't, that's absolutely fine. I can email it through, and I can run you through the recommendations. They're honestly not too difficult. And then you're welcome to take some time to have a little read of them later when you've got your computer back on, and you've got maybe a cup of tea or coffee in front of you. How does that sound? Sounds like she's struggling a bit. She's pulling it along for you. Yeah. Yeah. Oh, wow. Oh, well. Oh, that's good. Yeah. And that'd be a lot faster, a lot newer. That's fine. Yeah. No. That's awesome. That's excellent. All good. Well, what I'll do is I'll email through to you. That way, you can have a bit of a look at it later on. If you do find you have any questions, just give me a call. Let me know. But what I'll do now, if you like, I'll just run you through the recommendations, give you an update of what the changes are, explain how and why, and then I'll let you go back and review that one. Okay? Excellent. Now, James, just before we jump into the call properly, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that? Fantastic. And, also, just to do security there with you as well, just to confirm your full name, your date of birth, and address that I should have on file for you. Yep. Beautiful. Thank you so much for that. So, James, with regard to the advice document, on the very front, it has your beautiful name and the date as of today. So our documents are valid for sixty days. Feel free to have a read to it and let me know if there are any additional questions. On the bottom, it's also got my authorized representative number. So I'm a full licensed adviser registered with Aftik, and my registration number is 1304394. Okay? Beautiful. Now areas that we are scoping in or looking at for the advice today is we're looking at areas of superannuation. So when you and I did your annual review, you have been off work, haven't been able to obtain a new role due to your health changes in the last twelve months there. So we're looking at just sort of switching your investments, removing anything underperforming, but also lowering your risk level as well. So at the moment, you were hoping to hoping to be able to access super around about age 60. You've also got your PPD and income protection in there, which with the help of our team, we are trying to sort of see if we can get a claim going there for you as well. And I believe you're on disability pension now. They've changed that from JobSeeker for you. Is that right? Oh, fantastic. Fantastic. Oh, that's fantastic. That'll be really good. That's a little bit more money as well. They have a higher rate of pay for the for the disability pension as well. Yeah. Oh, perfect. Because that was one of the things. Yeah. No. Absolutely understandable. Well, yeah, hopefully, that helps and just to leave you any little bit of stress there. I know Caden is sort of helping to assess when and if we're able to get that claim underway. Have you heard from him recently in relation to the TPD or income protection claim? Yes. Yep. Yep. Yep. Yes. Yeah. Yeah. Yep. Okay. Oh, okay. No. That's alright. So the main sort of reason he's looking to try and get the information from the employer is because you do have that income protection component. We are trying to see if we can get some sort of income protection claim started for you. So we're just trying to have them assess whether whether, you know, you had been suffering the illness or, you know, suffering before you were made redundant at all. If there were any symptoms or suffering, there may be an eligibility for you to receive some income protection there. So we're just sort of having them assess all avenues possible on the TPD and income protection side to make sure we can get any claim possible. There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area. As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at how to keep the money invested and working for you, but also maybe draw something out to help you along. So yeah. Yeah. Yeah. Yeah. Oh, no. Yeah. Yeah. Oh, really? Yeah. Yep. Okay. Okay. Yes. Yep. Excellent. Well, we'll keep we'll keep monitoring things. Caden does the claim side of things for us as the as part of our admin team, but he does keep us in the loop, and I'll keep, you know, liaising with him and seeing where we go with that for you. But, yeah, hopefully yeah. Oh, that's really good. That's excellent. Yeah. Well, I'll run oh, beautiful. You got your computer running. Fantastic. Oh, lovely. They're all good. Now you should have an email there. It's probably come from odu sign. It's probably come from my email address, daina at odu find that. So you can see that one? Lovely. To make this easier, I'm just gonna take you through a couple of the pages and talk you through the recommendations, and then you get to go back and run your eyes over all the other pages because it is quite a document there. I don't wanna go, you know, make it too confusing for you. It is still early in the morning. If you run down to page number 19 of that document there, these couple of pages are probably the main ones that we're gonna go through. Yeah. So you should see a button you you can open up the statement of advice as the attachment, or you can click on the button at the top that says start or sign. Yeah. And that'll take you through so you can view the document and go up and down. It it won't ask you to sign anything. It'll never ask you to sign anything you haven't read through. So when it takes you through, you'll see the document. It'll let you scroll up and down there a little bit. Yep. Page 19. Beautiful. So the heading on this one will just say recommended investment superannuation. Yep. Just let me know when you see that. Beautiful. Now one of the big things we talked about when we did your annual review that you're currently in a growth portfolio. So that sees about 80% in those growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest. Essentially, because you are currently not working, you are in your fifties and, well, hopefully, wanting to access some of your super at around about age 60, which only gives us about sort of three to four years given your age this year. We just wanted to sort of make sure that you're in a lower risk portfolio. So you and I did the risk profile questionnaire, and we talked about moving it down to profiles to be more balanced. So you're taking on a little bit less risk in the market. We understand the returns can be lower because of that, but it's about also protecting your capital because you've worked really hard at this point. The fact that you're not able to work at the moment means that we need maybe put some protections in place where we see lower changes or lower market fluctuations, less ups and downs that make us quite nervous, and put some protections in place to keep your capital as stable as possible for you. Now there is never any guarantees, and all portfolios, especially with balances like yourself, will see market ups and downs. But the idea of reducing risk is that those ups and downs are less aggressive. They don't feel as bad, and as a result, you end up with more capital protection there. But we still wanna see some growth, so it's kind of a mix. So what we'll do is we're looking at moving you down that risk profile, changing some of the underlying investments, making it a bit more passive, passively invested, and also saving you on fees where possible as well. Okay? Now on this page here, you'll see that with the investments, you've got some red. If you look in the buy, sell column, it's probably the easiest one. You'll see all the red and the green there. So I allocate what we're gonna be buying and selling with regard to the changes in investments. Essentially, in the first column, you've got the investment name there. So just running through them, you've got some battery and lithium tech there. It's not a bad investment by any means. However, it was there as more of a thematic kind of investment. It's more of a looking to get higher growth, and you do take a bit more risk to have these sorts of thematic ETFs in your portfolio. So we are looking to sell that completely from your portfolio. And then also your Ben along Australian Equities, that was the one that was majorly performing, so we're removing that completely out of your portfolio. We are still gonna keep the Australian Equities portion by just removing it from that one investment. You've also got the, sorry. You're right. Oh, you're right. No. That's absolutely fine. He's looking after you. He's like, hang on, dad. Someone's here. Oh, good. You've got the bank hybrids in there as well. Now they are being phased out in the future as well, so we are looking to remove those now whilst we're making changes, essentially. We don't have to remove them now, but when they do get phased out by the by the government, it will be a a point where we have to make the change. So it is worth making the change now instead of laying it down the track when we, you know, could cement more losses or to have more of a a capital gains consequence. So it's always better to try and roll any changes into one. You've got some physical gold in there. We are keeping physical gold, and we're actually gonna buy a little bit more of that. So you've got about 8% in your portfolio now. We wanna have about 10%. Physical gold is a growth investment, but it's also seen defensively. So we all love a bit of physical gold. I love gold. That's for sure. And, essentially, when you look at the way gold grows, it has seen some very good highs over the past couple of years, and we'll expect to see more in the future. Gold is a growth investment and does see good growth and provide great returns, but it also works defensively as well. So at times when markets maybe don't perform well, where equities are having a bit of a downtime, people like to move money into gold. It's a bit of a safe haven as well. So it it does work both ways, and we wanna hold about 10% their total of your portfolio. Cybersecurity is in there as well. Cybersecurity has seen a bit of a downtime in the past couple of months. There's been a bit of a tech sell off. And also with what's been happening between The US and Iran, cybersecurity has taken a bit of a hit there. However, it will come back. It is still a great place to be. You have about 8% there at the moment, so we have more of that in these growth portfolios because you are taking a bit more risk by having that in there. It's seen as one of those, We call them satellites where you're taking a little bit more risk and branching out into other areas to try and get greater growth. We still wanna hold some of that, but we just wanna reduce your exposure to 5%. So we're gonna sell off a little bit of that so you only have 5% held in a new portfolio. We've also got the iShares core composite bond. Now this you hold about 8% at the moment, but we're increasing your exposure to 20%, and that is because we are removing the bank hybrids. So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out. So we need to put the money into something defensive. So the core composite bonds is what's gonna hold that for you. It is really good. It's giving you exposure to government as well as corporate bonds. Bonds are good for income producing. They pay coupon or income payments generally quarterly or monthly, and those income payments get distributed into your super and redistributed throughout the portfolio. So it's compounding there for you. Okay? We've got the S and P 500. You hold about 26% at the moment. So because we're lowering your risk level, we're lowering some of these defensive assets. So we're reducing it down to 20%. The S and P 500 is still a great place to be. The one thing I like about the S and P 500 is is it tracks the S and P 500 index, which is essentially tracking the top 500 companies on The US market. And because you are tracking the indices, essentially, where a company no longer meets the criteria to be in the index, it's also removed from these investment options as well. So you're always tracking the top 500 companies. Options as well. So you're always tracking the top 500 companies, and companies that don't qualify are removed out of there for you. So it is a really good thing to do. Tracking indices does provide greater growth. It's also giving you diversification because instead of holding, you know, 10 or 20 investments, you're tracking 500 across The US, across different areas and asset allocations and different. Sorry. The the word I'm thinking was just jumped in my head. I'm so sorry. But it is good. It is giving you diversification across different assets, across different areas. It's different parts of the country. And, also, you know, you're looking at some financials. You're looking at some industry as well, so across different areas within The US market as well. So it's really good to have in there for you. I apologize. I got a bit tongue tied there. I got my the word jumped out of my brain. You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well. Property has seen some great growth over the past couple of years, but we just wanna reduce the risk level. So it's about altering some of the investments in there. We are removing also the Raffy a 200. So that's essentially giving you exposure to some of the 200 companies in the Australian market between mid to low cap. Essentially, with the Rafi, we're removing that one. We're gonna keep about 10% in it. So we're removing most of it. We are keeping about 10% in there in your newer portfolio about reducing it back a little bit because we are also removing the ban along Australian equities, and we're also then putting you into the beta shares a 200. So by removing the Raffi a 200 and also then removing oh, removing some of the Raffi a 200 and removing Bannalong and then buying into the beta shares a 200, it's making sure you're not overexposed but giving you some exposure into the Australian market as well. So, yeah, one of the big things was the Van Along Australian Equities investments, which you were holding, as I kind of probably explained when we did the annual review, the Banna Long investment team, they are trying to outperform against the market they are supposed to be actively managing, and they've had some trouble with that in the past few months, and that's why the investment itself has been underperforming. So by removing that out out of there and putting it into the a 200, you're actually also increasing your diversification, which is great for mitigating risk. The BAN along Australian Equities investment fund generally only holds between 15 to 25 or 30 different investment options. Whereas moving you into the beta shares a 200 and holding the Raffi a 200, you're actually giving yourself exposures to basically 400 companies across the Australian market there. So you're increasing the amount of holdings within the Australian ASX market and providing greater diversification, which is important for mitigating or reducing risk as well. Now does that make sense? Do you wanna ask me anything so far? Yeah. Beautiful. Then you've also got in there the iShares Core Footsie Global Infrastructure hedge fund. We are keeping that in there. Hedging is really great. It's about giving you protections against the Australian dollar, and we're gonna hold about 5% in that investment. And then other defensive investments because we're looking to keep more defensive investments in your portfolio, we're gonna have high interest cash accounts. So high interest cash is looking at investing money in high yields. So getting income producing will hold 5% in those for you. And then also the iShares yield plus, which is looking at high interest earning equities and trying to get yields of income out of your portfolio as well. So one of the big things I wanted to look at was because you're not able to make contributions at the moment, we wanna make sure your portfolio is producing some income. So income that gets put into your cash account, and then we can reinvest into your portfolio, and that will help with the compounding effect, essentially. That way, we're not relying solely on growth. And having a mix of income plus growth helps to, you know, diversify your portfolio and and make that compounding work a little bit harder. I've tried to go through that a little bit easier to make it easier on you. Do you have any questions currently? Did you want me to kinda break anything more down for you? Or yeah. Absolutely. Yeah. Yeah. No. That's okay. Yeah. I don't think we've all had much of a choice. It's kind of all there, isn't it? Yeah. No. Absolutely. So as a whole, this is kinda showing you what we're gonna be selling and what we're gonna be buying, and that target weighting is what you'll see your portfolio in at the end of the day. So just sort of trying to show you that there are reasons behind what we're buying and selling. And the biggest takeaway is that we're reducing those growth investments. So it does mean removing some of those higher risk investments and trying to put more money into those low risk defensive investments because we want cash to be generated from your portfolio. We want to see the income side coming out where money is distributed out of the investments and put into your cash account so we can reinvest that in your portfolio for you because that money reinvested then draws more income, which again gets reinvested for you. And that's how compounding works, which is one of the most powerful tools we have, but also making sure that you're getting that it is working and that you're not going backwards at all because you're not able to make contributions right now. We don't want your portfolio to be going backwards heavily over the next couple of years. Yeah. Yeah. It has yeah. When we touch base in your annual review, I noticed your balance is about 580,000 then. And since since so three months I had a look at, you've actually made earnings of 57,344. So it's an 8% return net of fees, which is good to see. So we have seen some additional growth in that time, which is good. Yeah. Yeah. It has had a slight pullback as of yesterday. So the balance when we did the advice document, it was around that $6.23 mark. And then today, when I've had a bit of a look at it, it's about $6.17. So a little bit of a pullback there. Mhmm. Yeah. Yeah. But we wanna see that kinda grow and cement a little bit. So when we put these changes into place, we'll then kind of watch the portfolio over the next few months to see, make sure it's working and do regular reviews with you to make sure that it does stay working for you. And if we flag anything we need to change, we'll make sure we do that for you as well. Okay. Yeah. Beautiful. If you scroll down to page number 21 for me, this just shows you the difference in those sorts of investments and shows you the risk reduction. Beautiful. So in the first the second column, you'll see it says risk profile. If you look at the the bold side of it, you've got the growth assets at 60%, essentially, but 40%. So this is what a balanced portfolio is supposed to look like. We wanna at the moment, as I said before, you've got 80% in those growth assets, so we wanna reduce that down to about 60%. And in the third column, which is the proposed percentage, we're actually reducing your growth investments to 64.19. So we are bringing it very heavily down. And then the bottom line shows you're increasing your defensive assets from 16.9% to 35 a bit over 35% there. So it's about reducing your risk by reducing those growth assets and then having more investment as defensive lower risk investments there. Okay. Beautiful. If you go down to the next page, the next one's the fee comparison table, and this is kinda showing you the projected outcome based on what I've recommended. Beautiful. So you've got your balance there in the current columns. As I kinda mentioned before, when we did the document, your balance is a bit higher. There has been a slight pullback now. So there will be a slight change to what we see when we complete them, but it's not a massive change here. Essentially, when we with your current balance there, your current fees, the investment fees, you're currently paying $1.06 $5.09 in admin fees, $2.05 $9.02 in investment fees, your ongoing service fee there as well, which is 1.65% for capped at balances of $6,600,000, so you don't pay more than that 9,900. And then the insurance premiums, which we're keeping in the place, we're not removing any or altering any insurances because you are going through that claims process, but we'll review these down the track there for you as well. Okay? Yeah. Within that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level. Yeah. So, essentially, once we complete the investments, which as I went through before, we do understand that your super fund has tax consequences. Your super fund does a tax return just like you do every year, and it essentially does account for income and capital gains tax. And so after making the switch above, we estimate the capital gains to be $5,404, which essentially means that after the switch based on your current balance, we should see your super at about 618,071. That's taking everything into account. Does that make sense? Yeah. Probably a little bit less now just because the balance has had a bit of a pullback, but, I mean, the markets do go up and down, and we could see it pull back up over $6.20 over the next few days there as well. Okay. Yeah. So, essentially, by making the switch, there's no real change to the admin fees. It's showing a $6 decrease, which is great, but the investment fees are essentially almost halved. So we go from paying over $2,000 for the admin fees to about 1,286. So you're actually saving $1,300 in investment fees by making that change at the portfolio. Yeah. The ongoing service fee does stay the exact same. Essentially, we just charge 1.65% for our services, and we cap that at 9,900 currently. So you won't pay any more than 9,900. We cap that currently at 100,000 for a balance. So if we can get your balance up over $7,800,000, we're not currently charging 1.65% of that balance. It's capped at 9,900 for you. Okay? Yeah. And the insurance premium stay exactly the same. Underneath it, you'll see the balance portfolio. So we've kinda gone back and had a look at how this balance portfolio has performed over the past five years. It's showing the rolling average there, and, again, it's averaged about 9.59%. So it's kind of keeping on par. It's actually provided a little bit more of a return in the growth portfolio whilst reducing your risk. However, we know this is past performance. We're not guaranteed to get 9% every year. What we wanna kinda do is keep that compounding working as much as possible. But if this portfolio can do what it has done over the past five years, you can see below essentially where we'd expect you to end up over the next three and five years there. Okay? Yeah. So we do know because we're reducing risk and because the CDK consequences over the next three years, we see your balance a lot a little under where it would be if you stayed in the growth portfolio. But over the next five years, we can see that make up and provide you know, it compounds a bit faster and does make up that difference and does show a greater performance over the next five years as well. Okay. Yeah. Do you have any questions in relation to any of that? You're welcome to ask me anything you like at the moment. Yeah. Beautiful. Excellent. I will show you on page number 23 as well there. We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances. So this is just to sort of show you that we know insurance is coming out of super does have an impact on retirement. The current and recommended are exactly the same as what's above in the projection table there. However, the no insurance column shows that if under the same circumstances as what's recommended, you were not paying any insurance payments out of super, you can show that it would have a greater effect long term on your super balance. Yeah. Yeah. And underneath that, the only other thing I wanted to sort of have in here is that we are making sure that you do have the estate planning side of things all completed and updated and making sure that you do have your beneficiary nominations in place. Essentially, one of the things we talked about was making sure that your beneficiaries could all receive about the same balance your beneficiaries were. All of your children at about 20 each. However, one of the biggest things was because your kids, some of them are they're on different, you know, taxable income. Some of them are dependent on you. Some of them are not. Essentially, with children when they're over 18, receiving your super benefit paid direct from super means that they do pay tax on that, whereas any beneficiaries or children who are benefit who are financially dependent on you, they actually don't pay tax. So with your five kids all being nominated that from your super, they're not likely to receive the the same benefit. It's not likely to be an evened out amount. So what I'm recommending is that we just update your beneficiary nomination, have it noted to legal personal representative. That essentially means that your beneficiary is, in the event of you passing your super, is paid direct to your estate, and you just need to make sure you have a will that reflects your wishes. And I've had a bit of a look. Yeah. You're right. Dex. Yeah. Yeah. I've actually had a bit of a look, and I I do believe do believe now did we send you the email after the annual review? I'm pretty sure we sent the email with the details of a local solicitor that we can refer you through to. Yep. Yep. Yep. Beautiful. Yeah. It is really important that you do do so if anything was to happen. And because you do have you know, you've got your heart issue at the moment, making sure your will is done as a matter of priority is really important. And I definitely ask once you get your will updated there, James, if you can send me a copy of it, we can keep it on file for you. That way, in the event of something occurring or you passing away, it just means that your executive needs to can call us, and then we can help them with the claim and sort of make your life a little bit easier on them as well. So yeah. But now doing your will is very important, and having that beneficiary nomination change to legal personal representative just means that everything gets pulled into your estate and then paid out to your beneficiaries through the will. It can be paid as a more tax advantaged way. You can also have trust and things set up so that if you've got younger children 18 who are still at school or still have, you know, need regular income payments that through a trust, you can also allocate who gets what when they receive it and have a lot more control over your benefit and how it is paid to each of your children. Yeah. Yeah. Yeah. You just never know. Yeah. You just never know. It's something we have seen a lot in this industry where, you know, things are unexpected, and I hope I hope, you know, you have a long, healthy life, and I wanna be talking to you for years to come, and then you enjoy your retirement. But, essentially, it is really important to have these tough conversations and kinda make sure that we are discussing, you know, what happens because we do see in this industry a lot where, you know, nothing's expected and people pass away unexpectedly or things happen. And then family members are left with no will going through probate, and probate can be anywhere from twelve to eighteen months. It can be longer depending on the system and how long it takes. It's a costly process, and people get to come out and stake a claim, and it can just be very, very difficult on the family members. And and, yeah, and it does also mean that, you know, your benefit may not be paid where you want it to go. It might be paid to the wrong person. Some children might receive more than others. So having a will in place and stipulating your wishes is really important to do. It's a a bit of a, an investment in yourself and and you the fact that you've worked so hard so that your estate is directed to where you want it to be. And when we have legal personal representative nominated on your super, it is really very important that your will is updated because if you do pass away, having a beneficiary to LPR is one part of that process. But if you don't have a will that's up to date, then everything gets paid to your estate and still goes through probate, which is a long, costly, difficult process for your family. So if you can make some time, have a chat to the solicitor, get your will updated, let them know that you want your super and your life insurance proceeds all to go through, you know, to go through the will, and we'll make sure those beneficiary nominations are set up for you to assist. Okay? Beautiful. Now do you have any questions at all? Is there anything you wanted me to kinda go back through or answer? Or yeah. Beautiful. Yep. Absolutely. I'm here all the time. So let me know if there's any questions that you have. If you go through it and you decide just to have it all implemented, we'll just get you signed and return it back, and we'll take care of that for you. Okay. Beautiful. Yeah. Yes. Yes. Yep. Okay. So that'll be something for your GP to have a chat to you about. Is that right? Mhmm. Yeah. Yeah. Yeah. No. That's okay. Do you have another DP's appointment coming up soon? Or yeah. Yeah. Okay. Perfect. Yeah. No. Just, yeah, just have a bit of a chat and just sort of say, look. Yeah. They should understand what TPD is. It's permanent incapacity where, essentially, there's you know, you're not gonna be able to go back to work again if they're happy to sign off on that. Generally speaking, if they are still trying to seek treatment and get you back to some sort of working capacity, then TPD is very hard to claim on. But, yeah, just have a chat to them and find out, you know, the the the long term outcome and what they're expecting and if they're happy to sign off on, you know, a PPD claim. And then we can definitely put that through. So because you are 60 at the moment, with PPD, it is unfortunately taxed. So if the claim goes through and it is successful before you do draw any funds out, you and I can do an updated advice case and look at, you know, how to maybe have an income stream coming out so you've got some money to supplement your Centrelink and, you know, look at how best to structure it. Because you're also on Centrelink, and they assess income and income and assets testing. We wanna make sure that you that you don't, you know, lose too much Centrelink there as well. So we'll look at how best to structure it tax wise, but also so that you can survive and, you know, get to get enough income to support yourself and your family. Yeah. Yeah. Yeah. Yes. Yeah. Yep. Yeah. The liquid assets test. Yeah. That's a kilo of that one. Oh, I'm so sorry. Yeah. Yeah. Yep. Oh, that's a shame. Mhmm. Yeah. Right. No. Yeah. Yeah. Yeah. Yeah. It's tough. Yeah. No. I'm so sorry to hear that. Well, we'll keep working with you and see what can happen. I'll keep keep on top of things with Kate and see how we go. It's not an easy process to claim on TBD. I know the insurers, their goal is to try and pay out as little claims as possible unless needed. But our job is to try and help you get the claim, so we'll certainly try. If for any reason it comes back not, you know, not payable, we'll just keep monitoring things. We can go back and claim again. That doesn't stop you from ever claiming again. Okay? Yeah. But we'll see what we can do. We'll cross our fingers and, yeah, just it all comes down to what the doctors are gonna say and what the reports show and, yeah, how it's assessed. So as long as the doctors are all good, they think there's no way you'll get back to work long term, you won't be able to work, then we should be, you know, on the right path. One of the biggest things you have going for you is that you are on disability pension now. So Centrelink has assessed that you're unable to go back to work, you know, essentially in the short term with regards to this. So that does show a positive sign to help towards going towards the climb. Yeah. Yep. Yeah. Wow. Yeah. Yeah. Wow. Yeah. Wow. Oh, well, that's good. That's a positive sign. That does show as much as it's disability and it's it's, you know, what you're going through isn't great. It does show that, you know, there the the doctors are seeing that you're not able to go back to your role, that you're not able to work at the moment due to what you're dealing with and what you know, your health. So it does go a long way to showing that there is there is, you know, a small chance of going back to work. So we'll certainly see how we go. Yeah. Right. Have you had sleep apnea for years? Or Oh, yeah. It's noisy too, isn't it? Wow. Yeah. Yeah. Oh, wow. Yeah. Yeah. Yeah. Yeah. Absolutely. What's the day surgery procedure for? Is it the Yep. Yeah. Yeah. Yep. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, yep. Yeah. Well, hopefully, it all goes well, and, yeah, let us know how you go. And if anything else comes out of it, and we'll make sure we keep following up and, you know, chatting to see how things go this to go towards getting that claim processed for you. Yeah. All good. Well, I will let you go to have a read to the document. Let me know if you do happen to have any questions there, James. And, again, if you're just happy to take on the recommendations, I'll get you to sign and return that one back to me. Did you want me to do a bit of a catch up with you in the next sort of three or six months? What would you like to see moving forward? Three months? Yep. Yep. That's absolutely fine. I'll pop it in the calendar there for you. My team will give you a call in three months and book you in, and we'll do a bit of a catch up and see how things have been going after implementing this for you. Okay? No worries. Well, I will let you go. You have a good day. I hope everything goes well, and, yes, enjoy your day. My pleasure. No worries at all. Thank you very much for your time this morning, James. I'll talk to you soon. Thanks. 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James. It's Dana from Oakview Financial. How are you this morning? I'm very well. Thank you.\n\nI just had to go through your updated advice document. Is now still a good time there for you? Yep. Fantastic. Do you happen to have access to your email here at the moment as well?\n\nIt's that's okay. If you don't, that's absolutely fine. I can email it through, and I can run you through the recommendations. They're honestly not too difficult. And then you're welcome to take some time to have a little read of them later when you've got your computer back on, and you've got maybe a cup of tea or coffee in front of you.\n\nHow does that sound? Sounds like she's struggling a bit. She's pulling it along for you. Yeah. Yeah.\n\nOh, wow. Oh, well. Oh, that's good. Yeah. And that'd be a lot faster, a lot newer.\n\nThat's fine. Yeah. No. That's awesome. That's excellent.\n\nAll good. Well, what I'll do is I'll email through to you. That way, you can have a bit of a look at it later on. If you do find you have any questions, just give me a call. Let me know.\n\nBut what I'll do now, if you like, I'll just run you through the recommendations, give you an update of what the changes are, explain how and why, and then I'll let you go back and review that one. Okay? Excellent. Now, James, just before we jump into the call properly, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that?\n\nFantastic. And, also, just to do security there with you as well, just to confirm your full name, your date of birth, and address that I should have on file for you. Yep. Beautiful. Thank you so much for that.\n\nSo, James, with regard to the advice document, on the very front, it has your beautiful name and the date as of today. So our documents are valid for sixty days. Feel free to have a read to it and let me know if there are any additional questions. On the bottom, it's also got my authorized representative number. So I'm a full licensed adviser registered with Aftik, and my registration number is 1304394.\n\nOkay? Beautiful. Now areas that we are scoping in or looking at for the advice today is we're looking at areas of superannuation. So when you and I did your annual review, you have been off work, haven't been able to obtain a new role due to your health changes in the last twelve months there. So we're looking at just sort of switching your investments, removing anything underperforming, but also lowering your risk level as well.\n\nSo at the moment, you were hoping to hoping to be able to access super around about age 60. You've also got your PPD and income protection in there, which with the help of our team, we are trying to sort of see if we can get a claim going there for you as well. And I believe you're on disability pension now. They've changed that from JobSeeker for you. Is that right?\n\nOh, fantastic. Fantastic. Oh, that's fantastic. That'll be really good. That's a little bit more money as well.\n\nThey have a higher rate of pay for the for the disability pension as well. Yeah. Oh, perfect. Because that was one of the things. Yeah.\n\nNo. Absolutely understandable. Well, yeah, hopefully, that helps and just to leave you any little bit of stress there. I know Caden is sort of helping to assess when and if we're able to get that claim underway. Have you heard from him recently in relation to the TPD or income protection claim?\n\nYes. Yep. Yep. Yep. Yes.\n\nYeah. Yeah. Yep. Okay. Oh, okay.\n\nNo. That's alright. So the main sort of reason he's looking to try and get the information from the employer is because you do have that income protection component. We are trying to see if we can get some sort of income protection claim started for you. So we're just trying to have them assess whether whether, you know, you had been suffering the illness or, you know, suffering before you were made redundant at all.\n\nIf there were any symptoms or suffering, there may be an eligibility for you to receive some income protection there. So we're just sort of having them assess all avenues possible on the TPD and income protection side to make sure we can get any claim possible. There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area. As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at how to keep the money invested and working for you, but also maybe draw something out to help you along. So yeah.\n\nYeah. Yeah. Yeah. Oh, no. Yeah.\n\nYeah. Oh, really? Yeah. Yep. Okay.\n\nOkay. Yes. Yep. Excellent. Well, we'll keep we'll keep monitoring things.\n\nCaden does the claim side of things for us as the as part of our admin team, but he does keep us in the loop, and I'll keep, you know, liaising with him and seeing where we go with that for you. But, yeah, hopefully yeah. Oh, that's really good. That's excellent. Yeah.\n\nWell, I'll run oh, beautiful. You got your computer running. Fantastic. Oh, lovely. They're all good.\n\nNow you should have an email there. It's probably come from odu sign. It's probably come from my email address, daina at odu find that. So you can see that one? Lovely.\n\nTo make this easier, I'm just gonna take you through a couple of the pages and talk you through the recommendations, and then you get to go back and run your eyes over all the other pages because it is quite a document there. I don't wanna go, you know, make it too confusing for you. It is still early in the morning. If you run down to page number 19 of that document there, these couple of pages are probably the main ones that we're gonna go through. Yeah.\n\nSo you should see a button you you can open up the statement of advice as the attachment, or you can click on the button at the top that says start or sign. Yeah. And that'll take you through so you can view the document and go up and down. It it won't ask you to sign anything. It'll never ask you to sign anything you haven't read through.\n\nSo when it takes you through, you'll see the document. It'll let you scroll up and down there a little bit. Yep. Page 19. Beautiful.\n\nSo the heading on this one will just say recommended investment superannuation. Yep. Just let me know when you see that. Beautiful. Now one of the big things we talked about when we did your annual review that you're currently in a growth portfolio.\n\nSo that sees about 80% in those growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest. Essentially, because you are currently not working, you are in your fifties and, well, hopefully, wanting to access some of your super at around about age 60, which only gives us about sort of three to four years given your age this year. We just wanted to sort of make sure that you're in a lower risk portfolio. So you and I did the risk profile questionnaire, and we talked about moving it down to profiles to be more balanced. So you're taking on a little bit less risk in the market.\n\nWe understand the returns can be lower because of that, but it's about also protecting your capital because you've worked really hard at this point. The fact that you're not able to work at the moment means that we need maybe put some protections in place where we see lower changes or lower market fluctuations, less ups and downs that make us quite nervous, and put some protections in place to keep your capital as stable as possible for you. Now there is never any guarantees, and all portfolios, especially with balances like yourself, will see market ups and downs. But the idea of reducing risk is that those ups and downs are less aggressive. They don't feel as bad, and as a result, you end up with more capital protection there.\n\nBut we still wanna see some growth, so it's kind of a mix. So what we'll do is we're looking at moving you down that risk profile, changing some of the underlying investments, making it a bit more passive, passively invested, and also saving you on fees where possible as well. Okay? Now on this page here, you'll see that with the investments, you've got some red. If you look in the buy, sell column, it's probably the easiest one.\n\nYou'll see all the red and the green there. So I allocate what we're gonna be buying and selling with regard to the changes in investments. Essentially, in the first column, you've got the investment name there. So just running through them, you've got some battery and lithium tech there. It's not a bad investment by any means.\n\nHowever, it was there as more of a thematic kind of investment. It's more of a looking to get higher growth, and you do take a bit more risk to have these sorts of thematic ETFs in your portfolio. So we are looking to sell that completely from your portfolio. And then also your Ben along Australian Equities, that was the one that was majorly performing, so we're removing that completely out of your portfolio. We are still gonna keep the Australian Equities portion by just removing it from that one investment.\n\nYou've also got the, sorry. You're right. Oh, you're right. No. That's absolutely fine.\n\nHe's looking after you. He's like, hang on, dad. Someone's here. Oh, good. You've got the bank hybrids in there as well.\n\nNow they are being phased out in the future as well, so we are looking to remove those now whilst we're making changes, essentially. We don't have to remove them now, but when they do get phased out by the by the government, it will be a a point where we have to make the change. So it is worth making the change now instead of laying it down the track when we, you know, could cement more losses or to have more of a a capital gains consequence. So it's always better to try and roll any changes into one. You've got some physical gold in there.\n\nWe are keeping physical gold, and we're actually gonna buy a little bit more of that. So you've got about 8% in your portfolio now. We wanna have about 10%. Physical gold is a growth investment, but it's also seen defensively. So we all love a bit of physical gold.\n\nI love gold. That's for sure. And, essentially, when you look at the way gold grows, it has seen some very good highs over the past couple of years, and we'll expect to see more in the future. Gold is a growth investment and does see good growth and provide great returns, but it also works defensively as well. So at times when markets maybe don't perform well, where equities are having a bit of a downtime, people like to move money into gold.\n\nIt's a bit of a safe haven as well. So it it does work both ways, and we wanna hold about 10% their total of your portfolio. Cybersecurity is in there as well. Cybersecurity has seen a bit of a downtime in the past couple of months. There's been a bit of a tech sell off.\n\nAnd also with what's been happening between The US and Iran, cybersecurity has taken a bit of a hit there. However, it will come back. It is still a great place to be. You have about 8% there at the moment, so we have more of that in these growth portfolios because you are taking a bit more risk by having that in there. It's seen as one of those, We call them satellites where you're taking a little bit more risk and branching out into other areas to try and get greater growth.\n\nWe still wanna hold some of that, but we just wanna reduce your exposure to 5%. So we're gonna sell off a little bit of that so you only have 5% held in a new portfolio. We've also got the iShares core composite bond. Now this you hold about 8% at the moment, but we're increasing your exposure to 20%, and that is because we are removing the bank hybrids. So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out.\n\nSo we need to put the money into something defensive. So the core composite bonds is what's gonna hold that for you. It is really good. It's giving you exposure to government as well as corporate bonds. Bonds are good for income producing.\n\nThey pay coupon or income payments generally quarterly or monthly, and those income payments get distributed into your super and redistributed throughout the portfolio. So it's compounding there for you. Okay? We've got the S and P 500. You hold about 26% at the moment.\n\nSo because we're lowering your risk level, we're lowering some of these defensive assets. So we're reducing it down to 20%. The S and P 500 is still a great place to be. The one thing I like about the S and P 500 is is it tracks the S and P 500 index, which is essentially tracking the top 500 companies on The US market. And because you are tracking the indices, essentially, where a company no longer meets the criteria to be in the index, it's also removed from these investment options as well.\n\nSo you're always tracking the top 500 companies. Options as well. So you're always tracking the top 500 companies, and companies that don't qualify are removed out of there for you. So it is a really good thing to do. Tracking indices does provide greater growth.\n\nIt's also giving you diversification because instead of holding, you know, 10 or 20 investments, you're tracking 500 across The US, across different areas and asset allocations and different. Sorry. The the word I'm thinking was just jumped in my head. I'm so sorry. But it is good.\n\nIt is giving you diversification across different assets, across different areas. It's different parts of the country. And, also, you know, you're looking at some financials. You're looking at some industry as well, so across different areas within The US market as well. So it's really good to have in there for you.\n\nI apologize. I got a bit tongue tied there. I got my the word jumped out of my brain. You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well. Property has seen some great growth over the past couple of years, but we just wanna reduce the risk level.\n\nSo it's about altering some of the investments in there. We are removing also the Raffy a 200. So that's essentially giving you exposure to some of the 200 companies in the Australian market between mid to low cap. Essentially, with the Rafi, we're removing that one. We're gonna keep about 10% in it.\n\nSo we're removing most of it. We are keeping about 10% in there in your newer portfolio about reducing it back a little bit because we are also removing the ban along Australian equities, and we're also then putting you into the beta shares a 200. So by removing the Raffi a 200 and also then removing oh, removing some of the Raffi a 200 and removing Bannalong and then buying into the beta shares a 200, it's making sure you're not overexposed but giving you some exposure into the Australian market as well. So, yeah, one of the big things was the Van Along Australian Equities investments, which you were holding, as I kind of probably explained when we did the annual review, the Banna Long investment team, they are trying to outperform against the market they are supposed to be actively managing, and they've had some trouble with that in the past few months, and that's why the investment itself has been underperforming. So by removing that out out of there and putting it into the a 200, you're actually also increasing your diversification, which is great for mitigating risk.\n\nThe BAN along Australian Equities investment fund generally only holds between 15 to 25 or 30 different investment options. Whereas moving you into the beta shares a 200 and holding the Raffi a 200, you're actually giving yourself exposures to basically 400 companies across the Australian market there. So you're increasing the amount of holdings within the Australian ASX market and providing greater diversification, which is important for mitigating or reducing risk as well. Now does that make sense? Do you wanna ask me anything so far?\n\nYeah. Beautiful. Then you've also got in there the iShares Core Footsie Global Infrastructure hedge fund. We are keeping that in there. Hedging is really great.\n\nIt's about giving you protections against the Australian dollar, and we're gonna hold about 5% in that investment. And then other defensive investments because we're looking to keep more defensive investments in your portfolio, we're gonna have high interest cash accounts. So high interest cash is looking at investing money in high yields. So getting income producing will hold 5% in those for you. And then also the iShares yield plus, which is looking at high interest earning equities and trying to get yields of income out of your portfolio as well.\n\nSo one of the big things I wanted to look at was because you're not able to make contributions at the moment, we wanna make sure your portfolio is producing some income. So income that gets put into your cash account, and then we can reinvest into your portfolio, and that will help with the compounding effect, essentially. That way, we're not relying solely on growth. And having a mix of income plus growth helps to, you know, diversify your portfolio and and make that compounding work a little bit harder. I've tried to go through that a little bit easier to make it easier on you.\n\nDo you have any questions currently? Did you want me to kinda break anything more down for you? Or yeah. Absolutely. Yeah.\n\nYeah. No. That's okay. Yeah. I don't think we've all had much of a choice.\n\nIt's kind of all there, isn't it? Yeah. No. Absolutely. So as a whole, this is kinda showing you what we're gonna be selling and what we're gonna be buying, and that target weighting is what you'll see your portfolio in at the end of the day.\n\nSo just sort of trying to show you that there are reasons behind what we're buying and selling. And the biggest takeaway is that we're reducing those growth investments. So it does mean removing some of those higher risk investments and trying to put more money into those low risk defensive investments because we want cash to be generated from your portfolio. We want to see the income side coming out where money is distributed out of the investments and put into your cash account so we can reinvest that in your portfolio for you because that money reinvested then draws more income, which again gets reinvested for you. And that's how compounding works, which is one of the most powerful tools we have, but also making sure that you're getting that it is working and that you're not going backwards at all because you're not able to make contributions right now.\n\nWe don't want your portfolio to be going backwards heavily over the next couple of years. Yeah. Yeah. It has yeah. When we touch base in your annual review, I noticed your balance is about 580,000 then.\n\nAnd since since so three months I had a look at, you've actually made earnings of 57,344. So it's an 8% return net of fees, which is good to see. So we have seen some additional growth in that time, which is good. Yeah. Yeah.\n\nIt has had a slight pullback as of yesterday. So the balance when we did the advice document, it was around that $6.23 mark. And then today, when I've had a bit of a look at it, it's about $6.17. So a little bit of a pullback there. Mhmm.\n\nYeah. Yeah. But we wanna see that kinda grow and cement a little bit. So when we put these changes into place, we'll then kind of watch the portfolio over the next few months to see, make sure it's working and do regular reviews with you to make sure that it does stay working for you. And if we flag anything we need to change, we'll make sure we do that for you as well.\n\nOkay. Yeah. Beautiful. If you scroll down to page number 21 for me, this just shows you the difference in those sorts of investments and shows you the risk reduction. Beautiful.\n\nSo in the first the second column, you'll see it says risk profile. If you look at the the bold side of it, you've got the growth assets at 60%, essentially, but 40%. So this is what a balanced portfolio is supposed to look like. We wanna at the moment, as I said before, you've got 80% in those growth assets, so we wanna reduce that down to about 60%. And in the third column, which is the proposed percentage, we're actually reducing your growth investments to 64.19.\n\nSo we are bringing it very heavily down. And then the bottom line shows you're increasing your defensive assets from 16.9% to 35 a bit over 35% there. So it's about reducing your risk by reducing those growth assets and then having more investment as defensive lower risk investments there. Okay. Beautiful.\n\nIf you go down to the next page, the next one's the fee comparison table, and this is kinda showing you the projected outcome based on what I've recommended. Beautiful. So you've got your balance there in the current columns. As I kinda mentioned before, when we did the document, your balance is a bit higher. There has been a slight pullback now.\n\nSo there will be a slight change to what we see when we complete them, but it's not a massive change here. Essentially, when we with your current balance there, your current fees, the investment fees, you're currently paying $1.06 $5.09 in admin fees, $2.05 $9.02 in investment fees, your ongoing service fee there as well, which is 1.65% for capped at balances of $6,600,000, so you don't pay more than that 9,900. And then the insurance premiums, which we're keeping in the place, we're not removing any or altering any insurances because you are going through that claims process, but we'll review these down the track there for you as well. Okay? Yeah.\n\nWithin that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level. Yeah. So, essentially, once we complete the investments, which as I went through before, we do understand that your super fund has tax consequences. Your super fund does a tax return just like you do every year, and it essentially does account for income and capital gains tax. And so after making the switch above, we estimate the capital gains to be $5,404, which essentially means that after the switch based on your current balance, we should see your super at about 618,071.\n\nThat's taking everything into account. Does that make sense? Yeah. Probably a little bit less now just because the balance has had a bit of a pullback, but, I mean, the markets do go up and down, and we could see it pull back up over $6.20 over the next few days there as well. Okay.\n\nYeah. So, essentially, by making the switch, there's no real change to the admin fees. It's showing a $6 decrease, which is great, but the investment fees are essentially almost halved. So we go from paying over $2,000 for the admin fees to about 1,286. So you're actually saving $1,300 in investment fees by making that change at the portfolio.\n\nYeah. The ongoing service fee does stay the exact same. Essentially, we just charge 1.65% for our services, and we cap that at 9,900 currently. So you won't pay any more than 9,900. We cap that currently at 100,000 for a balance.\n\nSo if we can get your balance up over $7,800,000, we're not currently charging 1.65% of that balance. It's capped at 9,900 for you. Okay? Yeah. And the insurance premium stay exactly the same.\n\nUnderneath it, you'll see the balance portfolio. So we've kinda gone back and had a look at how this balance portfolio has performed over the past five years. It's showing the rolling average there, and, again, it's averaged about 9.59%. So it's kind of keeping on par. It's actually provided a little bit more of a return in the growth portfolio whilst reducing your risk.\n\nHowever, we know this is past performance. We're not guaranteed to get 9% every year. What we wanna kinda do is keep that compounding working as much as possible. But if this portfolio can do what it has done over the past five years, you can see below essentially where we'd expect you to end up over the next three and five years there. Okay?\n\nYeah. So we do know because we're reducing risk and because the CDK consequences over the next three years, we see your balance a lot a little under where it would be if you stayed in the growth portfolio. But over the next five years, we can see that make up and provide you know, it compounds a bit faster and does make up that difference and does show a greater performance over the next five years as well. Okay. Yeah.\n\nDo you have any questions in relation to any of that? You're welcome to ask me anything you like at the moment. Yeah. Beautiful. Excellent.\n\nI will show you on page number 23 as well there. We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances. So this is just to sort of show you that we know insurance is coming out of super does have an impact on retirement. The current and recommended are exactly the same as what's above in the projection table there. However, the no insurance column shows that if under the same circumstances as what's recommended, you were not paying any insurance payments out of super, you can show that it would have a greater effect long term on your super balance.\n\nYeah. Yeah. And underneath that, the only other thing I wanted to sort of have in here is that we are making sure that you do have the estate planning side of things all completed and updated and making sure that you do have your beneficiary nominations in place. Essentially, one of the things we talked about was making sure that your beneficiaries could all receive about the same balance your beneficiaries were. All of your children at about 20 each.\n\nHowever, one of the biggest things was because your kids, some of them are they're on different, you know, taxable income. Some of them are dependent on you. Some of them are not. Essentially, with children when they're over 18, receiving your super benefit paid direct from super means that they do pay tax on that, whereas any beneficiaries or children who are benefit who are financially dependent on you, they actually don't pay tax. So with your five kids all being nominated that from your super, they're not likely to receive the the same benefit.\n\nIt's not likely to be an evened out amount. So what I'm recommending is that we just update your beneficiary nomination, have it noted to legal personal representative. That essentially means that your beneficiary is, in the event of you passing your super, is paid direct to your estate, and you just need to make sure you have a will that reflects your wishes. And I've had a bit of a look. Yeah.\n\nYou're right. Dex. Yeah. Yeah. I've actually had a bit of a look, and I I do believe do believe now did we send you the email after the annual review?\n\nI'm pretty sure we sent the email with the details of a local solicitor that we can refer you through to. Yep. Yep. Yep. Beautiful.\n\nYeah. It is really important that you do do so if anything was to happen. And because you do have you know, you've got your heart issue at the moment, making sure your will is done as a matter of priority is really important. And I definitely ask once you get your will updated there, James, if you can send me a copy of it, we can keep it on file for you. That way, in the event of something occurring or you passing away, it just means that your executive needs to can call us, and then we can help them with the claim and sort of make your life a little bit easier on them as well.\n\nSo yeah. But now doing your will is very important, and having that beneficiary nomination change to legal personal representative just means that everything gets pulled into your estate and then paid out to your beneficiaries through the will. It can be paid as a more tax advantaged way. You can also have trust and things set up so that if you've got younger children 18 who are still at school or still have, you know, need regular income payments that through a trust, you can also allocate who gets what when they receive it and have a lot more control over your benefit and how it is paid to each of your children. Yeah.\n\nYeah. Yeah. You just never know. Yeah. You just never know.\n\nIt's something we have seen a lot in this industry where, you know, things are unexpected, and I hope I hope, you know, you have a long, healthy life, and I wanna be talking to you for years to come, and then you enjoy your retirement. But, essentially, it is really important to have these tough conversations and kinda make sure that we are discussing, you know, what happens because we do see in this industry a lot where, you know, nothing's expected and people pass away unexpectedly or things happen. And then family members are left with no will going through probate, and probate can be anywhere from twelve to eighteen months. It can be longer depending on the system and how long it takes. It's a costly process, and people get to come out and stake a claim, and it can just be very, very difficult on the family members.\n\nAnd and, yeah, and it does also mean that, you know, your benefit may not be paid where you want it to go. It might be paid to the wrong person. Some children might receive more than others. So having a will in place and stipulating your wishes is really important to do. It's a a bit of a, an investment in yourself and and you the fact that you've worked so hard so that your estate is directed to where you want it to be.\n\nAnd when we have legal personal representative nominated on your super, it is really very important that your will is updated because if you do pass away, having a beneficiary to LPR is one part of that process. But if you don't have a will that's up to date, then everything gets paid to your estate and still goes through probate, which is a long, costly, difficult process for your family. So if you can make some time, have a chat to the solicitor, get your will updated, let them know that you want your super and your life insurance proceeds all to go through, you know, to go through the will, and we'll make sure those beneficiary nominations are set up for you to assist. Okay? Beautiful.\n\nNow do you have any questions at all? Is there anything you wanted me to kinda go back through or answer? Or yeah. Beautiful. Yep.\n\nAbsolutely. I'm here all the time. So let me know if there's any questions that you have. If you go through it and you decide just to have it all implemented, we'll just get you signed and return it back, and we'll take care of that for you. Okay.\n\nBeautiful. Yeah. Yes. Yes. Yep.\n\nOkay. So that'll be something for your GP to have a chat to you about. Is that right? Mhmm. Yeah.\n\nYeah. Yeah. No. That's okay. Do you have another DP's appointment coming up soon?\n\nOr yeah. Yeah. Okay. Perfect. Yeah.\n\nNo. Just, yeah, just have a bit of a chat and just sort of say, look. Yeah. They should understand what TPD is. It's permanent incapacity where, essentially, there's you know, you're not gonna be able to go back to work again if they're happy to sign off on that.\n\nGenerally speaking, if they are still trying to seek treatment and get you back to some sort of working capacity, then TPD is very hard to claim on. But, yeah, just have a chat to them and find out, you know, the the the long term outcome and what they're expecting and if they're happy to sign off on, you know, a PPD claim. And then we can definitely put that through. So because you are 60 at the moment, with PPD, it is unfortunately taxed. So if the claim goes through and it is successful before you do draw any funds out, you and I can do an updated advice case and look at, you know, how to maybe have an income stream coming out so you've got some money to supplement your Centrelink and, you know, look at how best to structure it.\n\nBecause you're also on Centrelink, and they assess income and income and assets testing. We wanna make sure that you that you don't, you know, lose too much Centrelink there as well. So we'll look at how best to structure it tax wise, but also so that you can survive and, you know, get to get enough income to support yourself and your family. Yeah. Yeah.\n\nYeah. Yes. Yeah. Yep. Yeah.\n\nThe liquid assets test. Yeah. That's a kilo of that one. Oh, I'm so sorry. Yeah.\n\nYeah. Yep. Oh, that's a shame. Mhmm. Yeah.\n\nRight. No. Yeah. Yeah. Yeah.\n\nYeah. It's tough. Yeah. No. I'm so sorry to hear that.\n\nWell, we'll keep working with you and see what can happen. I'll keep keep on top of things with Kate and see how we go. It's not an easy process to claim on TBD. I know the insurers, their goal is to try and pay out as little claims as possible unless needed. But our job is to try and help you get the claim, so we'll certainly try.\n\nIf for any reason it comes back not, you know, not payable, we'll just keep monitoring things. We can go back and claim again. That doesn't stop you from ever claiming again. Okay? Yeah.\n\nBut we'll see what we can do. We'll cross our fingers and, yeah, just it all comes down to what the doctors are gonna say and what the reports show and, yeah, how it's assessed. So as long as the doctors are all good, they think there's no way you'll get back to work long term, you won't be able to work, then we should be, you know, on the right path. One of the biggest things you have going for you is that you are on disability pension now. So Centrelink has assessed that you're unable to go back to work, you know, essentially in the short term with regards to this.\n\nSo that does show a positive sign to help towards going towards the climb. Yeah. Yep. Yeah. Wow.\n\nYeah. Yeah. Wow. Yeah. Wow.\n\nOh, well, that's good. That's a positive sign. That does show as much as it's disability and it's it's, you know, what you're going through isn't great. It does show that, you know, there the the doctors are seeing that you're not able to go back to your role, that you're not able to work at the moment due to what you're dealing with and what you know, your health. So it does go a long way to showing that there is there is, you know, a small chance of going back to work.\n\nSo we'll certainly see how we go. Yeah. Right. Have you had sleep apnea for years? Or Oh, yeah.\n\nIt's noisy too, isn't it? Wow. Yeah. Yeah. Oh, wow.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nWhat's the day surgery procedure for? Is it the Yep. Yeah. Yeah. Yep.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Oh, yep. Yeah. Well, hopefully, it all goes well, and, yeah, let us know how you go. And if anything else comes out of it, and we'll make sure we keep following up and, you know, chatting to see how things go this to go towards getting that claim processed for you.\n\nYeah. All good. Well, I will let you go to have a read to the document. Let me know if you do happen to have any questions there, James. And, again, if you're just happy to take on the recommendations, I'll get you to sign and return that one back to me.\n\nDid you want me to do a bit of a catch up with you in the next sort of three or six months? What would you like to see moving forward? Three months? Yep. Yep.\n\nThat's absolutely fine. I'll pop it in the calendar there for you. My team will give you a call in three months and book you in, and we'll do a bit of a catch up and see how things have been going after implementing this for you. Okay? No worries.\n\nWell, I will let you go. You have a good day. I hope everything goes well, and, yes, enjoy your day. My pleasure. No worries at all.\n\nThank you very much for your time this morning, James. I'll talk to you soon. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, James.","start":6.7999997,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.1446051299571991},{"text":"It's Dana from Oakview Financial.","start":7.3599997,"end":8.98,"sentiment":"neutral","sentiment_score":0.17224340438842772},{"text":"How are you this morning?","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":0.2289998859167099},{"text":"I'm very well.","start":12.575001,"end":13.375,"sentiment":"positive","sentiment_score":0.6812296509742737},{"text":"Thank you.","start":13.375,"end":13.775001,"sentiment":"positive","sentiment_score":0.7723256945610046}],"sentiment":"positive","sentiment_score":0.34610394432264213,"num_words":17,"start":6.7999997,"end":13.775001},{"sentences":[{"text":"I just had to go through your updated advice document.","start":13.775001,"end":16.835,"sentiment":"positive","sentiment_score":0.4334927678108215},{"text":"Is now still a good time there for you?","start":16.895,"end":18.995,"sentiment":"neutral","sentiment_score":0.3167908986409505},{"text":"Yep.","start":20.654999,"end":21.154999,"sentiment":"neutral","sentiment_score":0.200975701212883},{"text":"Fantastic.","start":21.215,"end":21.715,"sentiment":"positive","sentiment_score":0.5938329100608826},{"text":"Do you happen to have access to your email here at the moment as well?","start":22.255001,"end":25.475,"sentiment":"neutral","sentiment_score":0.14328311483065287}],"sentiment":"neutral","sentiment_score":0.281391697211398,"num_words":36,"start":13.775001,"end":25.475},{"sentences":[{"text":"It's that's okay.","start":27.78,"end":30.42,"sentiment":"neutral","sentiment_score":-0.005639423926671346},{"text":"If you don't, that's absolutely fine.","start":30.42,"end":32.100002,"sentiment":"neutral","sentiment_score":0.044099857254574694},{"text":"I can email it through, and I can run you through the recommendations.","start":32.100002,"end":35.0,"sentiment":"neutral","sentiment_score":0.21523678990510794},{"text":"They're honestly not too difficult.","start":35.38,"end":37.8,"sentiment":"neutral","sentiment_score":0.17175350785255433},{"text":"And then you're welcome to take some time to have a little read of them later when you've got your computer back on, and you've got maybe a cup of tea or coffee in front of you.","start":37.86,"end":45.015,"sentiment":"neutral","sentiment_score":0.23946588466296326}],"sentiment":"neutral","sentiment_score":0.19944944394228514,"num_words":64,"start":27.78,"end":45.015},{"sentences":[{"text":"How does that sound?","start":45.015,"end":46.075,"sentiment":"neutral","sentiment_score":0.12858222797513008},{"text":"Sounds like she's struggling a bit.","start":54.73,"end":56.57,"sentiment":"neutral","sentiment_score":-0.13271883254249892},{"text":"She's pulling it along for you.","start":56.57,"end":58.27,"sentiment":"neutral","sentiment_score":-0.023843690597762663},{"text":"Yeah.","start":67.385,"end":67.885,"sentiment":"neutral","sentiment_score":-0.05947640538215637},{"text":"Yeah.","start":71.945,"end":72.445,"sentiment":"neutral","sentiment_score":-0.06154371052980423}],"sentiment":"neutral","sentiment_score":-0.03033701904738943,"num_words":18,"start":45.015,"end":72.445},{"sentences":[{"text":"Oh, wow.","start":73.545,"end":74.685,"sentiment":"neutral","sentiment_score":-0.07497934997081757},{"text":"Oh, well.","start":75.145,"end":76.445,"sentiment":"neutral","sentiment_score":-0.16528800129890442},{"text":"Oh, that's good.","start":79.56,"end":80.52,"sentiment":"neutral","sentiment_score":0.19368790090084076},{"text":"Yeah.","start":80.52,"end":80.84,"sentiment":"neutral","sentiment_score":0.10422095656394958},{"text":"And that'd be a lot faster, a lot newer.","start":80.84,"end":83.02,"sentiment":"neutral","sentiment_score":0.06752655800018045}],"sentiment":"neutral","sentiment_score":0.04779346933697953,"num_words":17,"start":73.545,"end":83.02},{"sentences":[{"text":"That's fine.","start":83.159996,"end":83.9,"sentiment":"neutral","sentiment_score":0.1314539760351181},{"text":"Yeah.","start":83.96,"end":84.44,"sentiment":"neutral","sentiment_score":0.1155017465353012},{"text":"No.","start":84.44,"end":84.68,"sentiment":"neutral","sentiment_score":0.1480593979358673},{"text":"That's awesome.","start":84.68,"end":85.32,"sentiment":"positive","sentiment_score":0.4870934933423996},{"text":"That's excellent.","start":85.32,"end":86.14,"sentiment":"positive","sentiment_score":0.6738070845603943}],"sentiment":"positive","sentiment_score":0.35603378154337406,"num_words":8,"start":83.159996,"end":86.14},{"sentences":[{"text":"All good.","start":86.2,"end":86.6,"sentiment":"positive","sentiment_score":0.5016085654497147},{"text":"Well, what I'll do is I'll email through to you.","start":86.6,"end":88.36,"sentiment":"neutral","sentiment_score":0.16967297047376634},{"text":"That way, you can have a bit of a look at it later on.","start":88.36,"end":90.615,"sentiment":"neutral","sentiment_score":0.2451577793274607},{"text":"If you do find you have any questions, just give me a call.","start":91.015,"end":93.655,"sentiment":"neutral","sentiment_score":0.14928184908169967},{"text":"Let me know.","start":93.655,"end":94.475,"sentiment":"neutral","sentiment_score":0.07970161363482475}],"sentiment":"neutral","sentiment_score":0.19790296726638362,"num_words":42,"start":86.2,"end":94.475},{"sentences":[{"text":"But what I'll do now, if you like, I'll just run you through the recommendations, give you an update of what the changes are, explain how and why, and then I'll let you go back and review that one.","start":94.854996,"end":103.335,"sentiment":"neutral","sentiment_score":0.07900962138023132},{"text":"Okay?","start":103.335,"end":103.835,"sentiment":"neutral","sentiment_score":0.07095905393362045},{"text":"Excellent.","start":105.439995,"end":105.92,"sentiment":"positive","sentiment_score":0.7137991189956665},{"text":"Now, James, just before we jump into the call properly, I do need to let you know we do record our calls for quality and training purposes.","start":105.92,"end":111.619995,"sentiment":"neutral","sentiment_score":0.11194908646521745},{"text":"Moving forward, are you happy for me to proceed with that?","start":111.68,"end":114.34,"sentiment":"neutral","sentiment_score":0.25004441900686786}],"sentiment":"neutral","sentiment_score":0.12201578924550285,"num_words":79,"start":94.854996,"end":114.34},{"sentences":[{"text":"Fantastic.","start":115.759995,"end":116.259995,"sentiment":"positive","sentiment_score":0.6683051586151123},{"text":"And, also, just to do security there with you as well, just to confirm your full name, your date of birth, and address that I should have on file for you.","start":118.485,"end":125.065,"sentiment":"neutral","sentiment_score":0.18678531435228163},{"text":"Yep.","start":127.685,"end":128.185,"sentiment":"neutral","sentiment_score":0.02022656425833702},{"text":"Beautiful.","start":130.02,"end":130.5,"sentiment":"positive","sentiment_score":0.526660680770874},{"text":"Thank you so much for that.","start":130.5,"end":132.12,"sentiment":"positive","sentiment_score":0.69605619708697}],"sentiment":"neutral","sentiment_score":0.27954685827717185,"num_words":40,"start":115.759995,"end":132.12},{"sentences":[{"text":"So, James, with regard to the advice document, on the very front, it has your beautiful name and the date as of today.","start":132.26,"end":138.1,"sentiment":"positive","sentiment_score":0.3341344471858895},{"text":"So our documents are valid for sixty days.","start":138.1,"end":140.6,"sentiment":"neutral","sentiment_score":0.21178130991756916},{"text":"Feel free to have a read to it and let me know if there are any additional questions.","start":141.14,"end":144.18,"sentiment":"neutral","sentiment_score":0.2515174233251148},{"text":"On the bottom, it's also got my authorized representative number.","start":144.18,"end":147.115,"sentiment":"neutral","sentiment_score":0.09689760878682137},{"text":"So I'm a full licensed adviser registered with Aftik, and my registration number is 1304394.","start":147.115,"end":153.35501,"sentiment":"neutral","sentiment_score":0.0819132407506307}],"sentiment":"neutral","sentiment_score":0.21762609572426692,"num_words":74,"start":132.26,"end":153.35501},{"sentences":[{"text":"Okay?","start":153.35501,"end":153.85501,"sentiment":"neutral","sentiment_score":0.05959007516503334},{"text":"Beautiful.","start":155.27501,"end":155.77501,"sentiment":"positive","sentiment_score":0.3444046080112457},{"text":"Now areas that we are scoping in or looking at for the advice today is we're looking at areas of superannuation.","start":155.835,"end":160.67,"sentiment":"neutral","sentiment_score":0.03481267742990028},{"text":"So when you and I did your annual review, you have been off work, haven't been able to obtain a new role due to your health changes in the last twelve months there.","start":161.05,"end":171.69,"sentiment":"neutral","sentiment_score":-0.03670730808693351},{"text":"So we're looking at just sort of switching your investments, removing anything underperforming, but also lowering your risk level as well.","start":171.69,"end":179.07501,"sentiment":"neutral","sentiment_score":0.04676153803510325}],"sentiment":"neutral","sentiment_score":0.011762494039903213,"num_words":77,"start":153.35501,"end":179.07501},{"sentences":[{"text":"So at the moment, you were hoping to hoping to be able to access super around about age 60.","start":179.07501,"end":184.615,"sentiment":"neutral","sentiment_score":0.05026589677129921},{"text":"You've also got your PPD and income protection in there, which with the help of our team, we are trying to sort of see if we can get a claim going there for you as well.","start":185.04001,"end":193.12,"sentiment":"neutral","sentiment_score":0.1132903200470739},{"text":"And I believe you're on disability pension now.","start":193.12,"end":195.28,"sentiment":"neutral","sentiment_score":0.0049412057269364595},{"text":"They've changed that from JobSeeker for you.","start":195.28,"end":197.6,"sentiment":"neutral","sentiment_score":0.039572538275803835},{"text":"Is that right?","start":197.6,"end":198.5,"sentiment":"neutral","sentiment_score":0.050307360788186394}],"sentiment":"neutral","sentiment_score":0.07535565830767155,"num_words":73,"start":179.07501,"end":198.5},{"sentences":[{"text":"Oh, fantastic.","start":200.565,"end":206.645,"sentiment":"positive","sentiment_score":0.36402809247374535},{"text":"Fantastic.","start":206.645,"end":206.965,"sentiment":"positive","sentiment_score":0.7203224301338196},{"text":"Oh, that's fantastic.","start":206.965,"end":208.505,"sentiment":"positive","sentiment_score":0.7122169733047485},{"text":"That'll be really good.","start":209.045,"end":209.925,"sentiment":"positive","sentiment_score":0.6673122346401215},{"text":"That's a little bit more money as well.","start":209.925,"end":211.52501,"sentiment":"neutral","sentiment_score":0.2217505183070898}],"sentiment":"positive","sentiment_score":0.44601570111182,"num_words":18,"start":200.565,"end":211.52501},{"sentences":[{"text":"They have a higher rate of pay for the for the disability pension as well.","start":211.52501,"end":215.92,"sentiment":"neutral","sentiment_score":0.06017450640598933},{"text":"Yeah.","start":222.38,"end":222.7,"sentiment":"neutral","sentiment_score":0.10509651899337769},{"text":"Oh, perfect.","start":222.7,"end":223.5,"sentiment":"neutral","sentiment_score":0.2729862779378891},{"text":"Because that was one of the things.","start":223.5,"end":225.04001,"sentiment":"neutral","sentiment_score":0.027858828327485492},{"text":"Yeah.","start":228.225,"end":228.705,"sentiment":"neutral","sentiment_score":-0.00997580587863922}],"sentiment":"neutral","sentiment_score":0.06687394859125981,"num_words":26,"start":211.52501,"end":228.705},{"sentences":[{"text":"No.","start":228.705,"end":229.105,"sentiment":"neutral","sentiment_score":-0.07370293140411377},{"text":"Absolutely understandable.","start":229.105,"end":230.565,"sentiment":"neutral","sentiment_score":-0.03264071326702833},{"text":"Well, yeah, hopefully, that helps and just to leave you any little bit of stress there.","start":231.425,"end":235.025,"sentiment":"neutral","sentiment_score":0.038092778995633125},{"text":"I know Caden is sort of helping to assess when and if we're able to get that claim underway.","start":235.025,"end":239.985,"sentiment":"neutral","sentiment_score":0.05031029252629531},{"text":"Have you heard from him recently in relation to the TPD or income protection claim?","start":239.985,"end":244.62001,"sentiment":"neutral","sentiment_score":0.0035547927642862}],"sentiment":"neutral","sentiment_score":0.027919199159544595,"num_words":53,"start":228.705,"end":244.62001},{"sentences":[{"text":"Yes.","start":250.76001,"end":251.26001,"sentiment":"neutral","sentiment_score":0.00033885426819324493},{"text":"Yep.","start":252.20001,"end":252.70001,"sentiment":"neutral","sentiment_score":-0.00011683255434036256},{"text":"Yep.","start":254.85501,"end":255.35501,"sentiment":"neutral","sentiment_score":0.009715741500258446},{"text":"Yep.","start":259.17502,"end":259.67502,"sentiment":"neutral","sentiment_score":0.026211269199848175},{"text":"Yes.","start":265.51,"end":266.01,"sentiment":"neutral","sentiment_score":-0.030416661873459816}],"sentiment":"neutral","sentiment_score":0.0011464741080999374,"num_words":5,"start":250.76001,"end":266.01},{"sentences":[{"text":"Yeah.","start":275.43,"end":275.93,"sentiment":"neutral","sentiment_score":-0.048180848360061646},{"text":"Yeah.","start":276.31,"end":276.81,"sentiment":"neutral","sentiment_score":-0.05881781131029129},{"text":"Yep.","start":283.60498,"end":284.10498,"sentiment":"neutral","sentiment_score":-0.03223934769630432},{"text":"Okay.","start":297.06,"end":297.56,"sentiment":"neutral","sentiment_score":-0.028468191623687744},{"text":"Oh, okay.","start":302.275,"end":302.75497,"sentiment":"neutral","sentiment_score":-0.019459819421172142}],"sentiment":"neutral","sentiment_score":-0.03443763963878155,"num_words":6,"start":275.43,"end":302.75497},{"sentences":[{"text":"No.","start":302.75497,"end":302.91498,"sentiment":"neutral","sentiment_score":-0.06872537732124329},{"text":"That's alright.","start":302.91498,"end":303.555,"sentiment":"neutral","sentiment_score":-0.03992433473467827},{"text":"So the main sort of reason he's looking to try and get the information from the employer is because you do have that income protection component.","start":303.555,"end":309.395,"sentiment":"neutral","sentiment_score":0.00929312755425389},{"text":"We are trying to see if we can get some sort of income protection claim started for you.","start":309.395,"end":313.735,"sentiment":"neutral","sentiment_score":0.04400339505324761},{"text":"So we're just trying to have them assess whether whether, you know, you had been suffering the illness or, you know, suffering before you were made redundant at all.","start":314.115,"end":324.49002,"sentiment":"neutral","sentiment_score":0.0005658303612265093}],"sentiment":"neutral","sentiment_score":0.01186207185597404,"num_words":76,"start":302.75497,"end":324.49002},{"sentences":[{"text":"If there were any symptoms or suffering, there may be an eligibility for you to receive some income protection there.","start":324.49002,"end":329.69,"sentiment":"neutral","sentiment_score":0.050907373614609244},{"text":"So we're just sort of having them assess all avenues possible on the TPD and income protection side to make sure we can get any claim possible.","start":329.69,"end":337.89502,"sentiment":"neutral","sentiment_score":0.10916613849500816},{"text":"There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area.","start":337.89502,"end":347.41,"sentiment":"neutral","sentiment_score":-0.0003660430736613996},{"text":"As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at how to keep the money invested and working for you, but also maybe draw something out to help you along.","start":347.87,"end":366.26498,"sentiment":"neutral","sentiment_score":0.1426576823552153},{"text":"So yeah.","start":366.32498,"end":367.715,"sentiment":"neutral","sentiment_score":0.0528993234038353}],"sentiment":"neutral","sentiment_score":0.09139206144183674,"num_words":149,"start":324.49002,"end":367.715},{"sentences":[{"text":"Yeah.","start":372.91,"end":373.41,"sentiment":"neutral","sentiment_score":0.005263642407953739},{"text":"Yeah.","start":373.79,"end":373.95,"sentiment":"neutral","sentiment_score":-0.008338946849107742},{"text":"Yeah.","start":373.95,"end":374.45,"sentiment":"neutral","sentiment_score":-0.03229183703660965},{"text":"Oh, no.","start":389.245,"end":390.625,"sentiment":"neutral","sentiment_score":-0.32858268171548843},{"text":"Yeah.","start":392.04498,"end":392.54498,"sentiment":"neutral","sentiment_score":-0.1850489377975464}],"sentiment":"neutral","sentiment_score":-0.14626357378438115,"num_words":6,"start":372.91,"end":392.54498},{"sentences":[{"text":"Yeah.","start":393.37,"end":393.87,"sentiment":"neutral","sentiment_score":-0.21875417232513428},{"text":"Oh, really?","start":407.785,"end":408.525,"sentiment":"neutral","sentiment_score":-0.07839635014533997},{"text":"Yeah.","start":408.98502,"end":409.48502,"sentiment":"neutral","sentiment_score":-0.06819852441549301},{"text":"Yep.","start":413.465,"end":413.965,"sentiment":"neutral","sentiment_score":0.042956482619047165},{"text":"Okay.","start":414.905,"end":415.405,"sentiment":"neutral","sentiment_score":0.04777167737483978}],"sentiment":"neutral","sentiment_score":-0.05883620617290338,"num_words":6,"start":393.37,"end":415.405},{"sentences":[{"text":"Okay.","start":422.36,"end":422.86,"sentiment":"neutral","sentiment_score":0.04704585298895836},{"text":"Yes.","start":424.12,"end":424.62,"sentiment":"neutral","sentiment_score":0.11775536090135574},{"text":"Yep.","start":424.84,"end":425.34,"sentiment":"neutral","sentiment_score":0.20679086446762085},{"text":"Excellent.","start":425.4,"end":425.88,"sentiment":"positive","sentiment_score":0.6567138433456421},{"text":"Well, we'll keep we'll keep monitoring things.","start":425.88,"end":428.69998,"sentiment":"positive","sentiment_score":0.35517020736421856}],"sentiment":"neutral","sentiment_score":0.3194997612048279,"num_words":11,"start":422.36,"end":428.69998},{"sentences":[{"text":"Caden does the claim side of things for us as the as part of our admin team, but he does keep us in the loop, and I'll keep, you know, liaising with him and seeing where we go with that for you.","start":428.91998,"end":438.835,"sentiment":"neutral","sentiment_score":0.0829851066338874},{"text":"But, yeah, hopefully yeah.","start":438.835,"end":441.335,"sentiment":"neutral","sentiment_score":0.10252439044415951},{"text":"Oh, that's really good.","start":442.035,"end":443.715,"sentiment":"positive","sentiment_score":0.6479114294052124},{"text":"That's excellent.","start":443.715,"end":444.535,"sentiment":"positive","sentiment_score":0.7722132802009583},{"text":"Yeah.","start":444.755,"end":445.255,"sentiment":"neutral","sentiment_score":0.3169093132019043}],"sentiment":"neutral","sentiment_score":0.15751799304952036,"num_words":53,"start":428.91998,"end":445.255},{"sentences":[{"text":"Well, I'll run oh, beautiful.","start":445.76,"end":448.96,"sentiment":"neutral","sentiment_score":0.3061703935265541},{"text":"You got your computer running.","start":448.96,"end":450.32,"sentiment":"positive","sentiment_score":0.4714790344238281},{"text":"Fantastic.","start":450.32,"end":450.82,"sentiment":"positive","sentiment_score":0.4957306683063507},{"text":"Oh, lovely.","start":454.4,"end":455.22,"sentiment":"neutral","sentiment_score":0.28051893413066864},{"text":"They're all good.","start":457.52,"end":458.32,"sentiment":"positive","sentiment_score":0.45478683710098267}],"sentiment":"positive","sentiment_score":0.3943360117264092,"num_words":16,"start":445.76,"end":458.32},{"sentences":[{"text":"Now you should have an email there.","start":458.32,"end":459.92,"sentiment":"neutral","sentiment_score":0.07556681015661784},{"text":"It's probably come from odu sign.","start":459.92,"end":461.695,"sentiment":"neutral","sentiment_score":0.04365252455075582},{"text":"It's probably come from my email address, daina at odu find that.","start":461.695,"end":464.815,"sentiment":"neutral","sentiment_score":0.03071285629024108},{"text":"So you can see that one?","start":464.815,"end":466.115,"sentiment":"neutral","sentiment_score":0.022998468950390816},{"text":"Lovely.","start":467.695,"end":468.195,"sentiment":"neutral","sentiment_score":0.2999325096607208}],"sentiment":"neutral","sentiment_score":0.04991751303896308,"num_words":32,"start":458.32,"end":468.195},{"sentences":[{"text":"To make this easier, I'm just gonna take you through a couple of the pages and talk you through the recommendations, and then you get to go back and run your eyes over all the other pages because it is quite a document there.","start":468.815,"end":478.89,"sentiment":"neutral","sentiment_score":0.09725592666390268},{"text":"I don't wanna go, you know, make it too confusing for you.","start":480.55002,"end":483.43002,"sentiment":"neutral","sentiment_score":-0.0885510966181755},{"text":"It is still early in the morning.","start":483.43002,"end":484.89,"sentiment":"neutral","sentiment_score":-0.02875606156885624},{"text":"If you run down to page number 19 of that document there, these couple of pages are probably the main ones that we're gonna go through.","start":486.31,"end":493.33502,"sentiment":"neutral","sentiment_score":-0.0014534242666111542},{"text":"Yeah.","start":501.875,"end":502.195,"sentiment":"neutral","sentiment_score":0.012888843193650246}],"sentiment":"neutral","sentiment_score":0.03322727772303753,"num_words":90,"start":468.815,"end":502.195},{"sentences":[{"text":"So you should see a button you you can open up the statement of advice as the attachment, or you can click on the button at the top that says start or sign.","start":502.195,"end":510.69998,"sentiment":"neutral","sentiment_score":0.020572664046829395},{"text":"Yeah.","start":515.0,"end":515.4,"sentiment":"neutral","sentiment_score":0.042600005865097046},{"text":"And that'll take you through so you can view the document and go up and down.","start":515.4,"end":519.33997,"sentiment":"neutral","sentiment_score":0.04066559544298798},{"text":"It it won't ask you to sign anything.","start":519.645,"end":521.405,"sentiment":"neutral","sentiment_score":0.0755188874900341},{"text":"It'll never ask you to sign anything you haven't read through.","start":521.405,"end":524.04504,"sentiment":"neutral","sentiment_score":0.05678945508870212}],"sentiment":"neutral","sentiment_score":0.0376953993100619,"num_words":69,"start":502.195,"end":524.04504},{"sentences":[{"text":"So when it takes you through, you'll see the document.","start":524.04504,"end":526.445,"sentiment":"neutral","sentiment_score":0.07244666293263435},{"text":"It'll let you scroll up and down there a little bit.","start":526.445,"end":528.945,"sentiment":"neutral","sentiment_score":0.060027528554201126},{"text":"Yep.","start":535.26,"end":535.57996,"sentiment":"neutral","sentiment_score":0.028143754228949547},{"text":"Page 19.","start":535.57996,"end":536.39996,"sentiment":"neutral","sentiment_score":0.03310446999967098},{"text":"Beautiful.","start":545.115,"end":545.615,"sentiment":"neutral","sentiment_score":0.2571505010128021}],"sentiment":"neutral","sentiment_score":0.06945090554654598,"num_words":25,"start":524.04504,"end":545.615},{"sentences":[{"text":"So the heading on this one will just say recommended investment superannuation.","start":548.315,"end":552.175,"sentiment":"neutral","sentiment_score":0.040843295554320015},{"text":"Yep.","start":554.555,"end":555.055,"sentiment":"neutral","sentiment_score":0.10217872262001038},{"text":"Just let me know when you see that.","start":555.115,"end":556.895,"sentiment":"neutral","sentiment_score":0.10465976037085056},{"text":"Beautiful.","start":557.41003,"end":557.91003,"sentiment":"positive","sentiment_score":0.7629924416542053},{"text":"Now one of the big things we talked about when we did your annual review that you're currently in a growth portfolio.","start":558.45,"end":563.67,"sentiment":"neutral","sentiment_score":0.22245045785199513}],"sentiment":"neutral","sentiment_score":0.16105633787810802,"num_words":44,"start":548.315,"end":563.67},{"sentences":[{"text":"So that sees about 80% in those growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest.","start":563.81,"end":578.365,"sentiment":"neutral","sentiment_score":0.10470019307519708},{"text":"Essentially, because you are currently not working, you are in your fifties and, well, hopefully, wanting to access some of your super at around about age 60, which only gives us about sort of three to four years given your age this year.","start":579.46497,"end":591.98,"sentiment":"neutral","sentiment_score":0.04011961934698183},{"text":"We just wanted to sort of make sure that you're in a lower risk portfolio.","start":592.68,"end":595.9,"sentiment":"neutral","sentiment_score":0.233356441060702},{"text":"So you and I did the risk profile questionnaire, and we talked about moving it down to profiles to be more balanced.","start":595.96,"end":601.875,"sentiment":"neutral","sentiment_score":0.09825859913094477},{"text":"So you're taking on a little bit less risk in the market.","start":602.01495,"end":604.83496,"sentiment":"neutral","sentiment_score":0.13718781185646853}],"sentiment":"neutral","sentiment_score":0.1002301588070704,"num_words":134,"start":563.81,"end":604.83496},{"sentences":[{"text":"We understand the returns can be lower because of that, but it's about also protecting your capital because you've worked really hard at this point.","start":605.055,"end":611.79,"sentiment":"neutral","sentiment_score":0.14243125975131987},{"text":"The fact that you're not able to work at the moment means that we need maybe put some protections in place where we see lower changes or lower market fluctuations, less ups and downs that make us quite nervous, and put some protections in place to keep your capital as stable as possible for you.","start":611.87,"end":629.01495,"sentiment":"neutral","sentiment_score":0.00019497742707079107},{"text":"Now there is never any guarantees, and all portfolios, especially with balances like yourself, will see market ups and downs.","start":629.39496,"end":636.535,"sentiment":"neutral","sentiment_score":-0.03865661285817623},{"text":"But the idea of reducing risk is that those ups and downs are less aggressive.","start":636.675,"end":640.88,"sentiment":"neutral","sentiment_score":0.002478471646706263},{"text":"They don't feel as bad, and as a result, you end up with more capital protection there.","start":641.5,"end":646.38,"sentiment":"neutral","sentiment_score":0.10078376706908732}],"sentiment":"neutral","sentiment_score":0.03446116749987458,"num_words":132,"start":605.055,"end":646.38},{"sentences":[{"text":"But we still wanna see some growth, so it's kind of a mix.","start":646.38,"end":649.34,"sentiment":"neutral","sentiment_score":0.1788264621908848},{"text":"So what we'll do is we're looking at moving you down that risk profile, changing some of the underlying investments, making it a bit more passive, passively invested, and also saving you on fees where possible as well.","start":649.34,"end":662.17505,"sentiment":"neutral","sentiment_score":0.23502622231056816},{"text":"Okay?","start":662.315,"end":662.815,"sentiment":"neutral","sentiment_score":0.08388447761535645},{"text":"Now on this page here, you'll see that with the investments, you've got some red.","start":663.99506,"end":668.43005,"sentiment":"neutral","sentiment_score":0.048401188726226486},{"text":"If you look in the buy, sell column, it's probably the easiest one.","start":668.43005,"end":671.33,"sentiment":"neutral","sentiment_score":0.12476730719208717}],"sentiment":"neutral","sentiment_score":0.17109522197861224,"num_words":80,"start":646.38,"end":671.33},{"sentences":[{"text":"You'll see all the red and the green there.","start":671.39,"end":673.15,"sentiment":"neutral","sentiment_score":0.10778413299057218},{"text":"So I allocate what we're gonna be buying and selling with regard to the changes in investments.","start":673.15,"end":677.33,"sentiment":"neutral","sentiment_score":0.12187342521022348},{"text":"Essentially, in the first column, you've got the investment name there.","start":678.35004,"end":681.445,"sentiment":"neutral","sentiment_score":0.0788188258355314},{"text":"So just running through them, you've got some battery and lithium tech there.","start":681.445,"end":685.625,"sentiment":"neutral","sentiment_score":0.11614786145778802},{"text":"It's not a bad investment by any means.","start":685.845,"end":687.845,"sentiment":"neutral","sentiment_score":0.2074817381799221}],"sentiment":"neutral","sentiment_score":0.12204635541500716,"num_words":58,"start":671.39,"end":687.845},{"sentences":[{"text":"However, it was there as more of a thematic kind of investment.","start":687.845,"end":691.625,"sentiment":"neutral","sentiment_score":0.016448915004730225},{"text":"It's more of a looking to get higher growth, and you do take a bit more risk to have these sorts of thematic ETFs in your portfolio.","start":691.845,"end":699.12994,"sentiment":"neutral","sentiment_score":-0.011793425927559534},{"text":"So we are looking to sell that completely from your portfolio.","start":699.26996,"end":702.08997,"sentiment":"neutral","sentiment_score":0.06637962128628384},{"text":"And then also your Ben along Australian Equities, that was the one that was majorly performing, so we're removing that completely out of your portfolio.","start":702.70996,"end":710.205,"sentiment":"neutral","sentiment_score":-0.13621099188923835},{"text":"We are still gonna keep the Australian Equities portion by just removing it from that one investment.","start":710.905,"end":717.005,"sentiment":"neutral","sentiment_score":-0.0035613093744306}],"sentiment":"neutral","sentiment_score":-0.031050834156896755,"num_words":92,"start":687.845,"end":717.005},{"sentences":[{"text":"You've also got the, sorry.","start":718.585,"end":720.58,"sentiment":"neutral","sentiment_score":-0.05945028243586421},{"text":"You're right.","start":721.06,"end":722.54004,"sentiment":"neutral","sentiment_score":-0.13935135304927826},{"text":"Oh, you're right.","start":723.02,"end":724.74,"sentiment":"neutral","sentiment_score":-0.06489251554012299},{"text":"No.","start":729.92,"end":730.16003,"sentiment":"neutral","sentiment_score":-0.11467505991458891},{"text":"That's absolutely fine.","start":730.16003,"end":731.76,"sentiment":"neutral","sentiment_score":0.04584385780617595}],"sentiment":"neutral","sentiment_score":-0.05341251081387911,"num_words":14,"start":718.585,"end":731.76},{"sentences":[{"text":"He's looking after you.","start":731.76,"end":732.96,"sentiment":"neutral","sentiment_score":0.08021716307848692},{"text":"He's like, hang on, dad.","start":732.96,"end":734.0,"sentiment":"neutral","sentiment_score":0.005034147202968598},{"text":"Someone's here.","start":734.0,"end":734.9,"sentiment":"neutral","sentiment_score":-0.0018416857346892357},{"text":"Oh, good.","start":737.405,"end":738.205,"sentiment":"neutral","sentiment_score":0.2498060166835785},{"text":"You've got the bank hybrids in there as well.","start":738.205,"end":740.365,"sentiment":"neutral","sentiment_score":0.07894688513543871}],"sentiment":"neutral","sentiment_score":0.0705677280202508,"num_words":22,"start":731.76,"end":740.365},{"sentences":[{"text":"Now they are being phased out in the future as well, so we are looking to remove those now whilst we're making changes, essentially.","start":740.365,"end":747.10504,"sentiment":"neutral","sentiment_score":-0.0635581399158885},{"text":"We don't have to remove them now, but when they do get phased out by the by the government, it will be a a point where we have to make the change.","start":747.325,"end":755.25,"sentiment":"neutral","sentiment_score":-0.020389957120642066},{"text":"So it is worth making the change now instead of laying it down the track when we, you know, could cement more losses or to have more of a a capital gains consequence.","start":755.25,"end":763.965,"sentiment":"neutral","sentiment_score":0.0558968646959825},{"text":"So it's always better to try and roll any changes into one.","start":764.025,"end":767.245,"sentiment":"neutral","sentiment_score":0.24607541722555956},{"text":"You've got some physical gold in there.","start":768.34503,"end":770.105,"sentiment":"positive","sentiment_score":0.41614120240722385}],"sentiment":"neutral","sentiment_score":0.0512279256729892,"num_words":108,"start":740.365,"end":770.105},{"sentences":[{"text":"We are keeping physical gold, and we're actually gonna buy a little bit more of that.","start":770.105,"end":773.545,"sentiment":"neutral","sentiment_score":0.2846602126955986},{"text":"So you've got about 8% in your portfolio now.","start":773.545,"end":776.01,"sentiment":"neutral","sentiment_score":0.2564896394809087},{"text":"We wanna have about 10%.","start":776.01,"end":777.71,"sentiment":"neutral","sentiment_score":0.19599059224128723},{"text":"Physical gold is a growth investment, but it's also seen defensively.","start":778.25,"end":781.87,"sentiment":"neutral","sentiment_score":0.2656129679896615},{"text":"So we all love a bit of physical gold.","start":782.17,"end":784.33,"sentiment":"positive","sentiment_score":0.633370555109448}],"sentiment":"neutral","sentiment_score":0.32930001527071,"num_words":50,"start":770.105,"end":784.33},{"sentences":[{"text":"I love gold.","start":784.33,"end":785.05,"sentiment":"positive","sentiment_score":0.7069031794865926},{"text":"That's for sure.","start":785.05,"end":786.03,"sentiment":"positive","sentiment_score":0.5579953789710999},{"text":"And, essentially, when you look at the way gold grows, it has seen some very good highs over the past couple of years, and we'll expect to see more in the future.","start":786.41003,"end":795.575,"sentiment":"positive","sentiment_score":0.48734086845070124},{"text":"Gold is a growth investment and does see good growth and provide great returns, but it also works defensively as well.","start":796.035,"end":802.595,"sentiment":"positive","sentiment_score":0.505433113802047},{"text":"So at times when markets maybe don't perform well, where equities are having a bit of a downtime, people like to move money into gold.","start":802.595,"end":808.8,"sentiment":"neutral","sentiment_score":0.057370353937149045}],"sentiment":"positive","sentiment_score":0.3742614012388956,"num_words":84,"start":784.33,"end":808.8},{"sentences":[{"text":"It's a bit of a safe haven as well.","start":808.8,"end":810.56,"sentiment":"neutral","sentiment_score":0.3285210000144111},{"text":"So it it does work both ways, and we wanna hold about 10% their total of your portfolio.","start":810.56,"end":816.33997,"sentiment":"neutral","sentiment_score":0.18426880571577284},{"text":"Cybersecurity is in there as well.","start":818.16504,"end":820.085,"sentiment":"neutral","sentiment_score":-0.07813287278016408},{"text":"Cybersecurity has seen a bit of a downtime in the past couple of months.","start":820.085,"end":823.685,"sentiment":"neutral","sentiment_score":-0.26232107835156576},{"text":"There's been a bit of a tech sell off.","start":823.685,"end":825.625,"sentiment":"neutral","sentiment_score":-0.3166184922059377}],"sentiment":"neutral","sentiment_score":-0.012809486793620246,"num_words":56,"start":808.8,"end":825.625},{"sentences":[{"text":"And also with what's been happening between The US and Iran, cybersecurity has taken a bit of a hit there.","start":826.005,"end":830.98004,"sentiment":"neutral","sentiment_score":-0.23801611550152302},{"text":"However, it will come back.","start":830.98004,"end":832.74005,"sentiment":"neutral","sentiment_score":-0.08798235356807708},{"text":"It is still a great place to be.","start":832.74005,"end":834.58,"sentiment":"neutral","sentiment_score":0.3127262815833092},{"text":"You have about 8% there at the moment, so we have more of that in these growth portfolios because you are taking a bit more risk by having that in there.","start":834.58,"end":843.38,"sentiment":"neutral","sentiment_score":-0.0058723135340598325},{"text":"It's seen as one of those, We call them satellites where you're taking a little bit more risk and branching out into other areas to try and get greater growth.","start":843.38,"end":851.475,"sentiment":"neutral","sentiment_score":-0.00833621018876632}],"sentiment":"neutral","sentiment_score":-0.03330374308960869,"num_words":94,"start":826.005,"end":851.475},{"sentences":[{"text":"We still wanna hold some of that, but we just wanna reduce your exposure to 5%.","start":851.615,"end":855.935,"sentiment":"neutral","sentiment_score":0.009230880299583077},{"text":"So we're gonna sell off a little bit of that so you only have 5% held in a new portfolio.","start":855.935,"end":860.97,"sentiment":"neutral","sentiment_score":-0.0008588696509832516},{"text":"We've also got the iShares core composite bond.","start":862.55,"end":865.52997,"sentiment":"neutral","sentiment_score":0.05433644587174058},{"text":"Now this you hold about 8% at the moment, but we're increasing your exposure to 20%, and that is because we are removing the bank hybrids.","start":865.67,"end":873.51,"sentiment":"neutral","sentiment_score":0.0025087231770157814},{"text":"So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out.","start":873.51,"end":882.255,"sentiment":"neutral","sentiment_score":-0.00109048867598176}],"sentiment":"neutral","sentiment_score":0.005977204010705463,"num_words":100,"start":851.615,"end":882.255},{"sentences":[{"text":"So we need to put the money into something defensive.","start":882.255,"end":884.59503,"sentiment":"neutral","sentiment_score":0.04294179491698742},{"text":"So the core composite bonds is what's gonna hold that for you.","start":884.895,"end":888.09,"sentiment":"neutral","sentiment_score":0.1601077001541853},{"text":"It is really good.","start":888.33,"end":889.05005,"sentiment":"positive","sentiment_score":0.7438849061727524},{"text":"It's giving you exposure to government as well as corporate bonds.","start":889.05005,"end":892.75,"sentiment":"positive","sentiment_score":0.5213548270138827},{"text":"Bonds are good for income producing.","start":893.05005,"end":894.91003,"sentiment":"positive","sentiment_score":0.430962935090065}],"sentiment":"neutral","sentiment_score":0.3173704810094002,"num_words":43,"start":882.255,"end":894.91003},{"sentences":[{"text":"They pay coupon or income payments generally quarterly or monthly, and those income payments get distributed into your super and redistributed throughout the portfolio.","start":895.29004,"end":904.13495,"sentiment":"positive","sentiment_score":0.37499139706293744},{"text":"So it's compounding there for you.","start":904.27496,"end":906.195,"sentiment":"neutral","sentiment_score":0.33169448375701904},{"text":"Okay?","start":906.195,"end":906.695,"sentiment":"neutral","sentiment_score":0.13756930828094482},{"text":"We've got the S and P 500.","start":907.95496,"end":909.71497,"sentiment":"neutral","sentiment_score":0.17635237744876317},{"text":"You hold about 26% at the moment.","start":909.71497,"end":912.13495,"sentiment":"neutral","sentiment_score":0.1419634840318135}],"sentiment":"neutral","sentiment_score":0.2967942393488354,"num_words":45,"start":895.29004,"end":912.13495},{"sentences":[{"text":"So because we're lowering your risk level, we're lowering some of these defensive assets.","start":912.435,"end":916.77,"sentiment":"neutral","sentiment_score":0.2255567173872675},{"text":"So we're reducing it down to 20%.","start":916.85004,"end":919.19,"sentiment":"neutral","sentiment_score":0.220676594546863},{"text":"The S and P 500 is still a great place to be.","start":919.97003,"end":922.77,"sentiment":"positive","sentiment_score":0.6317540009816488},{"text":"The one thing I like about the S and P 500 is is it tracks the S and P 500 index, which is essentially tracking the top 500 companies on The US market.","start":922.77,"end":933.585,"sentiment":"neutral","sentiment_score":0.23388391281619217},{"text":"And because you are tracking the indices, essentially, where a company no longer meets the criteria to be in the index, it's also removed from these investment options as well.","start":933.885,"end":940.6717,"sentiment":"neutral","sentiment_score":0.13889735403160255}],"sentiment":"neutral","sentiment_score":0.25175695792616654,"num_words":96,"start":912.435,"end":940.6717},{"sentences":[{"text":"So you're always tracking the top 500 companies.","start":940.6717,"end":941.42505,"sentiment":"neutral","sentiment_score":0.1693857330828905},{"text":"Options as well.","start":943.23,"end":943.95,"sentiment":"neutral","sentiment_score":0.12271390358606975},{"text":"So you're always tracking the top 500 companies, and companies that don't qualify are removed out of there for you.","start":943.95,"end":951.14996,"sentiment":"neutral","sentiment_score":0.11829242622479796},{"text":"So it is a really good thing to do.","start":951.14996,"end":953.23,"sentiment":"positive","sentiment_score":0.46970228022999233},{"text":"Tracking indices does provide greater growth.","start":953.23,"end":955.665,"sentiment":"positive","sentiment_score":0.3398307263851166}],"sentiment":"neutral","sentiment_score":0.22511697783256354,"num_words":46,"start":940.6717,"end":955.665},{"sentences":[{"text":"It's also giving you diversification because instead of holding, you know, 10 or 20 investments, you're tracking 500 across The US, across different areas and asset allocations and different.","start":955.985,"end":966.96497,"sentiment":"neutral","sentiment_score":0.19496514211440907},{"text":"Sorry.","start":969.04,"end":969.36,"sentiment":"neutral","sentiment_score":-0.026406794786453247},{"text":"The the word I'm thinking was just jumped in my head.","start":969.36,"end":971.27997,"sentiment":"neutral","sentiment_score":-0.05438236045566472},{"text":"I'm so sorry.","start":971.27997,"end":972.1,"sentiment":"neutral","sentiment_score":-0.044532706340154014},{"text":"But it is good.","start":972.63995,"end":973.44,"sentiment":"neutral","sentiment_score":0.14439283590763807}],"sentiment":"neutral","sentiment_score":0.11402811637769143,"num_words":48,"start":955.985,"end":973.44},{"sentences":[{"text":"It is giving you diversification across different assets, across different areas.","start":973.44,"end":977.6,"sentiment":"neutral","sentiment_score":0.19178817285732788},{"text":"It's different parts of the country.","start":977.6,"end":979.62,"sentiment":"neutral","sentiment_score":0.1137919935087363},{"text":"And, also, you know, you're looking at some financials.","start":979.75995,"end":982.74,"sentiment":"neutral","sentiment_score":0.10033225350909764},{"text":"You're looking at some industry as well, so across different areas within The US market as well.","start":982.8,"end":987.89496,"sentiment":"neutral","sentiment_score":0.12699338618446798},{"text":"So it's really good to have in there for you.","start":987.89496,"end":989.975,"sentiment":"neutral","sentiment_score":0.29065273851156237}],"sentiment":"neutral","sentiment_score":0.16529862442106572,"num_words":53,"start":973.44,"end":989.975},{"sentences":[{"text":"I apologize.","start":989.975,"end":990.615,"sentiment":"neutral","sentiment_score":-0.0503713209182024},{"text":"I got a bit tongue tied there.","start":990.615,"end":991.89496,"sentiment":"neutral","sentiment_score":-0.14018673769065312},{"text":"I got my the word jumped out of my brain.","start":991.89496,"end":994.315,"sentiment":"neutral","sentiment_score":-0.0947206400334835},{"text":"You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well.","start":999.1,"end":1006.77997,"sentiment":"neutral","sentiment_score":0.23530540416638057},{"text":"Property has seen some great growth over the past couple of years, but we just wanna reduce the risk level.","start":1006.77997,"end":1011.66,"sentiment":"positive","sentiment_score":0.42847664952278136}],"sentiment":"neutral","sentiment_score":0.1970933175281338,"num_words":69,"start":989.975,"end":1011.66},{"sentences":[{"text":"So it's about altering some of the investments in there.","start":1011.66,"end":1015.175,"sentiment":"neutral","sentiment_score":0.16326769664883614},{"text":"We are removing also the Raffy a 200.","start":1016.035,"end":1019.415,"sentiment":"neutral","sentiment_score":-0.031338479835540056},{"text":"So that's essentially giving you exposure to some of the 200 companies in the Australian market between mid to low cap.","start":1019.71497,"end":1025.895,"sentiment":"neutral","sentiment_score":-0.021547534281299227},{"text":"Essentially, with the Rafi, we're removing that one.","start":1026.4349,"end":1029.5901,"sentiment":"neutral","sentiment_score":0.014624121598899364},{"text":"We're gonna keep about 10% in it.","start":1029.7301,"end":1031.7301,"sentiment":"neutral","sentiment_score":0.09821354278496333}],"sentiment":"neutral","sentiment_score":0.03211034592930918,"num_words":54,"start":1011.66,"end":1031.7301},{"sentences":[{"text":"So we're removing most of it.","start":1031.7301,"end":1033.43,"sentiment":"neutral","sentiment_score":0.04499122438331445},{"text":"We are keeping about 10% in there in your newer portfolio about reducing it back a little bit because we are also removing the ban along Australian equities, and we're also then putting you into the beta shares a 200.","start":1033.49,"end":1045.065,"sentiment":"neutral","sentiment_score":0.13550948370248078},{"text":"So by removing the Raffi a 200 and also then removing oh, removing some of the Raffi a 200 and removing Bannalong and then buying into the beta shares a 200, it's making sure you're not overexposed but giving you some exposure into the Australian market as well.","start":1045.065,"end":1063.81,"sentiment":"neutral","sentiment_score":0.09188142562440287},{"text":"So, yeah, one of the big things was the Van Along Australian Equities investments, which you were holding, as I kind of probably explained when we did the annual review, the Banna Long investment team, they are trying to outperform against the market they are supposed to be actively managing, and they've had some trouble with that in the past few months, and that's why the investment itself has been underperforming.","start":1063.81,"end":1084.4349,"sentiment":"neutral","sentiment_score":-0.0664589885150043},{"text":"So by removing that out out of there and putting it into the a 200, you're actually also increasing your diversification, which is great for mitigating risk.","start":1085.6699,"end":1094.1699,"sentiment":"neutral","sentiment_score":0.28326307154364055}],"sentiment":"neutral","sentiment_score":0.06786536391397628,"num_words":192,"start":1031.7301,"end":1094.1699},{"sentences":[{"text":"The BAN along Australian Equities investment fund generally only holds between 15 to 25 or 30 different investment options.","start":1094.3099,"end":1101.525,"sentiment":"neutral","sentiment_score":0.06454071128054668},{"text":"Whereas moving you into the beta shares a 200 and holding the Raffi a 200, you're actually giving yourself exposures to basically 400 companies across the Australian market there.","start":1101.525,"end":1114.0851,"sentiment":"neutral","sentiment_score":0.13007505469281097},{"text":"So you're increasing the amount of holdings within the Australian ASX market and providing greater diversification, which is important for mitigating or reducing risk as well.","start":1114.0851,"end":1125.23,"sentiment":"neutral","sentiment_score":0.32559890070786845},{"text":"Now does that make sense?","start":1125.23,"end":1126.4299,"sentiment":"neutral","sentiment_score":0.09706449955701828},{"text":"Do you wanna ask me anything so far?","start":1126.4299,"end":1128.69,"sentiment":"neutral","sentiment_score":0.02991645340807736}],"sentiment":"neutral","sentiment_score":0.1630882257916804,"num_words":87,"start":1094.3099,"end":1128.69},{"sentences":[{"text":"Yeah.","start":1131.755,"end":1132.155,"sentiment":"neutral","sentiment_score":0.30121469497680664},{"text":"Beautiful.","start":1132.155,"end":1132.655,"sentiment":"positive","sentiment_score":0.553447961807251},{"text":"Then you've also got in there the iShares Core Footsie Global Infrastructure hedge fund.","start":1133.835,"end":1139.055,"sentiment":"neutral","sentiment_score":0.2317665602479662},{"text":"We are keeping that in there.","start":1139.355,"end":1140.795,"sentiment":"neutral","sentiment_score":0.29908236861228943},{"text":"Hedging is really great.","start":1140.795,"end":1141.915,"sentiment":"positive","sentiment_score":0.6315720826387405}],"sentiment":"neutral","sentiment_score":0.3238529631724724,"num_words":26,"start":1131.755,"end":1141.915},{"sentences":[{"text":"It's about giving you protections against the Australian dollar, and we're gonna hold about 5% in that investment.","start":1141.915,"end":1148.37,"sentiment":"positive","sentiment_score":0.42219969464672935},{"text":"And then other defensive investments because we're looking to keep more defensive investments in your portfolio, we're gonna have high interest cash accounts.","start":1148.83,"end":1156.85,"sentiment":"neutral","sentiment_score":0.22955724078675974},{"text":"So high interest cash is looking at investing money in high yields.","start":1157.255,"end":1161.3351,"sentiment":"neutral","sentiment_score":0.2174815498292446},{"text":"So getting income producing will hold 5% in those for you.","start":1161.3351,"end":1165.175,"sentiment":"positive","sentiment_score":0.3339169973676855},{"text":"And then also the iShares yield plus, which is looking at high interest earning equities and trying to get yields of income out of your portfolio as well.","start":1165.175,"end":1175.32,"sentiment":"neutral","sentiment_score":0.15368623765451567}],"sentiment":"neutral","sentiment_score":0.25505968766367954,"num_words":92,"start":1141.915,"end":1175.32},{"sentences":[{"text":"So one of the big things I wanted to look at was because you're not able to make contributions at the moment, we wanna make sure your portfolio is producing some income.","start":1175.32,"end":1184.14,"sentiment":"neutral","sentiment_score":0.04921943391673267},{"text":"So income that gets put into your cash account, and then we can reinvest into your portfolio, and that will help with the compounding effect, essentially.","start":1184.52,"end":1192.2949,"sentiment":"neutral","sentiment_score":0.17167281817931396},{"text":"That way, we're not relying solely on growth.","start":1192.2949,"end":1194.475,"sentiment":"neutral","sentiment_score":0.0695801223628223},{"text":"And having a mix of income plus growth helps to, you know, diversify your portfolio and and make that compounding work a little bit harder.","start":1195.1749,"end":1203.33,"sentiment":"neutral","sentiment_score":0.27993804067373274},{"text":"I've tried to go through that a little bit easier to make it easier on you.","start":1203.71,"end":1206.91,"sentiment":"neutral","sentiment_score":0.2544848471879959}],"sentiment":"neutral","sentiment_score":0.16509686643692933,"num_words":107,"start":1175.32,"end":1206.91},{"sentences":[{"text":"Do you have any questions currently?","start":1206.91,"end":1209.09,"sentiment":"neutral","sentiment_score":0.08022871613502502},{"text":"Did you want me to kinda break anything more down for you?","start":1209.15,"end":1212.03,"sentiment":"neutral","sentiment_score":0.048622175275037684},{"text":"Or yeah.","start":1212.03,"end":1218.825,"sentiment":"neutral","sentiment_score":0.054866092279553406},{"text":"Absolutely.","start":1218.825,"end":1219.325,"sentiment":"neutral","sentiment_score":0.2623138725757599},{"text":"Yeah.","start":1221.065,"end":1221.565,"sentiment":"neutral","sentiment_score":-0.04417605325579643}],"sentiment":"neutral","sentiment_score":0.06330492745407602,"num_words":22,"start":1206.91,"end":1221.565},{"sentences":[{"text":"Yeah.","start":1221.705,"end":1222.205,"sentiment":"neutral","sentiment_score":-0.10557255148887634},{"text":"No.","start":1227.96,"end":1228.2,"sentiment":"neutral","sentiment_score":-0.13117064535617828},{"text":"That's okay.","start":1228.2,"end":1229.1,"sentiment":"neutral","sentiment_score":-0.0037711486220359802},{"text":"Yeah.","start":1233.0,"end":1233.5,"sentiment":"neutral","sentiment_score":-0.027110638096928596},{"text":"I don't think we've all had much of a choice.","start":1233.64,"end":1235.5599,"sentiment":"neutral","sentiment_score":-0.06440029256045818}],"sentiment":"neutral","sentiment_score":-0.06102660385270913,"num_words":15,"start":1221.705,"end":1235.5599},{"sentences":[{"text":"It's kind of all there, isn't it?","start":1235.5599,"end":1237.34,"sentiment":"neutral","sentiment_score":-0.028195092055414404},{"text":"Yeah.","start":1238.845,"end":1239.1649,"sentiment":"neutral","sentiment_score":0.018692858517169952},{"text":"No.","start":1239.1649,"end":1239.565,"sentiment":"neutral","sentiment_score":-0.0030485019087791443},{"text":"Absolutely.","start":1239.565,"end":1240.065,"sentiment":"neutral","sentiment_score":0.13123609125614166},{"text":"So as a whole, this is kinda showing you what we're gonna be selling and what we're gonna be buying, and that target weighting is what you'll see your portfolio in at the end of the day.","start":1240.445,"end":1248.845,"sentiment":"neutral","sentiment_score":0.18579619921542503}],"sentiment":"neutral","sentiment_score":0.14519093988185866,"num_words":47,"start":1235.5599,"end":1248.845},{"sentences":[{"text":"So just sort of trying to show you that there are reasons behind what we're buying and selling.","start":1248.845,"end":1253.27,"sentiment":"neutral","sentiment_score":0.26352086497677696},{"text":"And the biggest takeaway is that we're reducing those growth investments.","start":1253.27,"end":1256.79,"sentiment":"neutral","sentiment_score":0.117797275158492},{"text":"So it does mean removing some of those higher risk investments and trying to put more money into those low risk defensive investments because we want cash to be generated from your portfolio.","start":1256.79,"end":1267.0349,"sentiment":"neutral","sentiment_score":0.17554828479434503},{"text":"We want to see the income side coming out where money is distributed out of the investments and put into your cash account so we can reinvest that in your portfolio for you because that money reinvested then draws more income, which again gets reinvested for you.","start":1267.4149,"end":1283.01,"sentiment":"positive","sentiment_score":0.35287142782769304},{"text":"And that's how compounding works, which is one of the most powerful tools we have, but also making sure that you're getting that it is working and that you're not going backwards at all because you're not able to make contributions right now.","start":1283.01,"end":1295.735,"sentiment":"neutral","sentiment_score":0.2435202783103599}],"sentiment":"neutral","sentiment_score":0.2558458425643805,"num_words":152,"start":1248.845,"end":1295.735},{"sentences":[{"text":"We don't want your portfolio to be going backwards heavily over the next couple of years.","start":1295.735,"end":1300.075,"sentiment":"neutral","sentiment_score":-0.1094638139475137},{"text":"Yeah.","start":1300.215,"end":1300.715,"sentiment":"neutral","sentiment_score":0.023900235071778297},{"text":"Yeah.","start":1300.855,"end":1301.355,"sentiment":"neutral","sentiment_score":0.04901871830224991},{"text":"It has yeah.","start":1310.7899,"end":1311.6699,"sentiment":"neutral","sentiment_score":0.25990933179855347},{"text":"When we touch base in your annual review, I noticed your balance is about 580,000 then.","start":1311.6699,"end":1317.37,"sentiment":"neutral","sentiment_score":0.22880191076546907}],"sentiment":"neutral","sentiment_score":0.07465017561775607,"num_words":37,"start":1295.735,"end":1317.37},{"sentences":[{"text":"And since since so three months I had a look at, you've actually made earnings of 57,344.","start":1317.91,"end":1325.445,"sentiment":"positive","sentiment_score":0.36661790574298186},{"text":"So it's an 8% return net of fees, which is good to see.","start":1325.445,"end":1328.885,"sentiment":"positive","sentiment_score":0.558039495578179},{"text":"So we have seen some additional growth in that time, which is good.","start":1328.885,"end":1332.9049,"sentiment":"positive","sentiment_score":0.6356248534642733},{"text":"Yeah.","start":1333.125,"end":1333.625,"sentiment":"neutral","sentiment_score":0.18012815713882446},{"text":"Yeah.","start":1338.93,"end":1339.41,"sentiment":"neutral","sentiment_score":0.02874618023633957}],"sentiment":"positive","sentiment_score":0.4879781171679497,"num_words":45,"start":1317.91,"end":1339.41},{"sentences":[{"text":"It has had a slight pullback as of yesterday.","start":1339.41,"end":1341.83,"sentiment":"neutral","sentiment_score":-0.061579895930157766},{"text":"So the balance when we did the advice document, it was around that $6.23 mark.","start":1342.05,"end":1347.595,"sentiment":"neutral","sentiment_score":0.005548598291352391},{"text":"And then today, when I've had a bit of a look at it, it's about $6.17.","start":1347.595,"end":1351.0549,"sentiment":"neutral","sentiment_score":0.020247224834747612},{"text":"So a little bit of a pullback there.","start":1351.115,"end":1353.135,"sentiment":"neutral","sentiment_score":-0.02506998088210821},{"text":"Mhmm.","start":1353.4349,"end":1353.9349,"sentiment":"neutral","sentiment_score":0.025656521320343018}],"sentiment":"neutral","sentiment_score":-0.006570159538401937,"num_words":49,"start":1339.41,"end":1353.9349},{"sentences":[{"text":"Yeah.","start":1354.395,"end":1354.875,"sentiment":"neutral","sentiment_score":0.10060599446296692},{"text":"Yeah.","start":1354.875,"end":1355.375,"sentiment":"neutral","sentiment_score":0.12747398018836975},{"text":"But we wanna see that kinda grow and cement a little bit.","start":1355.4349,"end":1358.075,"sentiment":"neutral","sentiment_score":0.1537859191497167},{"text":"So when we put these changes into place, we'll then kind of watch the portfolio over the next few months to see, make sure it's working and do regular reviews with you to make sure that it does stay working for you.","start":1358.075,"end":1369.98,"sentiment":"neutral","sentiment_score":0.23128910575594222},{"text":"And if we flag anything we need to change, we'll make sure we do that for you as well.","start":1370.12,"end":1374.12,"sentiment":"neutral","sentiment_score":0.1359812709453859}],"sentiment":"neutral","sentiment_score":0.19161730125546456,"num_words":75,"start":1354.395,"end":1374.12},{"sentences":[{"text":"Okay.","start":1374.12,"end":1374.62,"sentiment":"neutral","sentiment_score":0.29849672317504883},{"text":"Yeah.","start":1375.725,"end":1376.225,"sentiment":"neutral","sentiment_score":0.32951846718788147},{"text":"Beautiful.","start":1376.4451,"end":1376.9451,"sentiment":"positive","sentiment_score":0.5172570943832397},{"text":"If you scroll down to page number 21 for me, this just shows you the difference in those sorts of investments and shows you the risk reduction.","start":1377.485,"end":1385.505,"sentiment":"neutral","sentiment_score":0.08478032894156597},{"text":"Beautiful.","start":1387.98,"end":1388.48,"sentiment":"positive","sentiment_score":0.3437032699584961}],"sentiment":"neutral","sentiment_score":0.1218724011653854,"num_words":31,"start":1374.12,"end":1388.48},{"sentences":[{"text":"So in the first the second column, you'll see it says risk profile.","start":1388.7001,"end":1392.9601,"sentiment":"neutral","sentiment_score":0.09646291314409329},{"text":"If you look at the the bold side of it, you've got the growth assets at 60%, essentially, but 40%.","start":1393.26,"end":1399.3401,"sentiment":"neutral","sentiment_score":0.06110291983932257},{"text":"So this is what a balanced portfolio is supposed to look like.","start":1399.3401,"end":1402.455,"sentiment":"neutral","sentiment_score":0.12559236089388529},{"text":"We wanna at the moment, as I said before, you've got 80% in those growth assets, so we wanna reduce that down to about 60%.","start":1402.695,"end":1410.075,"sentiment":"neutral","sentiment_score":0.03017509147524834},{"text":"And in the third column, which is the proposed percentage, we're actually reducing your growth investments to 64.19.","start":1410.135,"end":1417.4701,"sentiment":"neutral","sentiment_score":-0.020055671481208667}],"sentiment":"neutral","sentiment_score":0.04973363407506523,"num_words":88,"start":1388.7001,"end":1417.4701},{"sentences":[{"text":"So we are bringing it very heavily down.","start":1417.4701,"end":1419.81,"sentiment":"neutral","sentiment_score":-0.054913191590458155},{"text":"And then the bottom line shows you're increasing your defensive assets from 16.9% to 35 a bit over 35% there.","start":1420.1901,"end":1429.0701,"sentiment":"neutral","sentiment_score":0.07411111164838076},{"text":"So it's about reducing your risk by reducing those growth assets and then having more investment as defensive lower risk investments there.","start":1429.0701,"end":1437.145,"sentiment":"neutral","sentiment_score":0.1752559749240225},{"text":"Okay.","start":1437.145,"end":1437.645,"sentiment":"neutral","sentiment_score":0.16672950983047485},{"text":"Beautiful.","start":1439.785,"end":1440.285,"sentiment":"positive","sentiment_score":0.4190627932548523}],"sentiment":"neutral","sentiment_score":0.1054680856088033,"num_words":52,"start":1417.4701,"end":1440.285},{"sentences":[{"text":"If you go down to the next page, the next one's the fee comparison table, and this is kinda showing you the projected outcome based on what I've recommended.","start":1440.8251,"end":1448.7401,"sentiment":"neutral","sentiment_score":0.20548040137208742},{"text":"Beautiful.","start":1451.1201,"end":1451.6201,"sentiment":"positive","sentiment_score":0.3723697662353515},{"text":"So you've got your balance there in the current columns.","start":1451.76,"end":1454.5,"sentiment":"neutral","sentiment_score":0.15542660430073738},{"text":"As I kinda mentioned before, when we did the document, your balance is a bit higher.","start":1454.56,"end":1458.16,"sentiment":"neutral","sentiment_score":0.005649313505273312},{"text":"There has been a slight pullback now.","start":1458.16,"end":1460.085,"sentiment":"negative","sentiment_score":-0.3401724823883602}],"sentiment":"neutral","sentiment_score":0.0888055410857002,"num_words":63,"start":1440.8251,"end":1460.085},{"sentences":[{"text":"So there will be a slight change to what we see when we complete them, but it's not a massive change here.","start":1460.325,"end":1465.945,"sentiment":"neutral","sentiment_score":-0.06987814876166257},{"text":"Essentially, when we with your current balance there, your current fees, the investment fees, you're currently paying $1.06 $5.09 in admin fees, $2.05 $9.02 in investment fees, your ongoing service fee there as well, which is 1.65% for capped at balances of $6,600,000, so you don't pay more than that 9,900.","start":1466.965,"end":1487.115,"sentiment":"neutral","sentiment_score":0.010954434005315324},{"text":"And then the insurance premiums, which we're keeping in the place, we're not removing any or altering any insurances because you are going through that claims process, but we'll review these down the track there for you as well.","start":1487.755,"end":1498.955,"sentiment":"neutral","sentiment_score":0.013618843200115057},{"text":"Okay?","start":1498.955,"end":1499.455,"sentiment":"neutral","sentiment_score":0.06412595510482788},{"text":"Yeah.","start":1500.26,"end":1500.76,"sentiment":"neutral","sentiment_score":0.07317279279232025}],"sentiment":"neutral","sentiment_score":-0.0027211360156478917,"num_words":114,"start":1460.325,"end":1500.76},{"sentences":[{"text":"Within that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level.","start":1500.8999,"end":1516.3551,"sentiment":"neutral","sentiment_score":0.0825498104095459},{"text":"Yeah.","start":1516.4951,"end":1516.9951,"sentiment":"neutral","sentiment_score":0.03385522961616516},{"text":"So, essentially, once we complete the investments, which as I went through before, we do understand that your super fund has tax consequences.","start":1517.535,"end":1524.9951,"sentiment":"neutral","sentiment_score":0.03367672577176405},{"text":"Your super fund does a tax return just like you do every year, and it essentially does account for income and capital gains tax.","start":1525.6151,"end":1532.6901,"sentiment":"neutral","sentiment_score":0.0564729735100021},{"text":"And so after making the switch above, we estimate the capital gains to be $5,404, which essentially means that after the switch based on your current balance, we should see your super at about 618,071.","start":1532.91,"end":1547.525,"sentiment":"neutral","sentiment_score":0.05973768000091825}],"sentiment":"neutral","sentiment_score":0.062417685003705724,"num_words":129,"start":1500.8999,"end":1547.525},{"sentences":[{"text":"That's taking everything into account.","start":1547.585,"end":1549.605,"sentiment":"neutral","sentiment_score":0.08585174530744552},{"text":"Does that make sense?","start":1549.665,"end":1550.8049,"sentiment":"neutral","sentiment_score":0.07863418478518724},{"text":"Yeah.","start":1551.6,"end":1552.1,"sentiment":"neutral","sentiment_score":0.15816673636436462},{"text":"Probably a little bit less now just because the balance has had a bit of a pullback, but, I mean, the markets do go up and down, and we could see it pull back up over $6.20 over the next few days there as well.","start":1552.5599,"end":1563.92,"sentiment":"neutral","sentiment_score":-0.07371917601364354},{"text":"Okay.","start":1563.92,"end":1564.42,"sentiment":"neutral","sentiment_score":0.04747563600540161}],"sentiment":"neutral","sentiment_score":-0.04228437647439672,"num_words":56,"start":1547.585,"end":1564.42},{"sentences":[{"text":"Yeah.","start":1566.085,"end":1566.585,"sentiment":"neutral","sentiment_score":0.0920233279466629},{"text":"So, essentially, by making the switch, there's no real change to the admin fees.","start":1567.365,"end":1571.205,"sentiment":"neutral","sentiment_score":-0.055336457710447054},{"text":"It's showing a $6 decrease, which is great, but the investment fees are essentially almost halved.","start":1571.205,"end":1577.385,"sentiment":"neutral","sentiment_score":-0.12890529562719166},{"text":"So we go from paying over $2,000 for the admin fees to about 1,286.","start":1577.445,"end":1584.0599,"sentiment":"neutral","sentiment_score":0.29225706841264454},{"text":"So you're actually saving $1,300 in investment fees by making that change at the portfolio.","start":1584.0599,"end":1590.32,"sentiment":"positive","sentiment_score":0.4718275328477224}],"sentiment":"neutral","sentiment_score":0.14039733567430326,"num_words":60,"start":1566.085,"end":1590.32},{"sentences":[{"text":"Yeah.","start":1590.94,"end":1591.44,"sentiment":"neutral","sentiment_score":0.185901939868927},{"text":"The ongoing service fee does stay the exact same.","start":1593.035,"end":1595.995,"sentiment":"neutral","sentiment_score":0.17573429147402445},{"text":"Essentially, we just charge 1.65% for our services, and we cap that at 9,900 currently.","start":1595.995,"end":1603.455,"sentiment":"neutral","sentiment_score":0.11116394946972528},{"text":"So you won't pay any more than 9,900.","start":1604.155,"end":1606.635,"sentiment":"neutral","sentiment_score":0.08338564354926348},{"text":"We cap that currently at 100,000 for a balance.","start":1606.635,"end":1609.4099,"sentiment":"neutral","sentiment_score":0.08926030579540464}],"sentiment":"neutral","sentiment_score":0.11679518346985181,"num_words":42,"start":1590.94,"end":1609.4099},{"sentences":[{"text":"So if we can get your balance up over $7,800,000, we're not currently charging 1.65% of that balance.","start":1609.4099,"end":1615.49,"sentiment":"neutral","sentiment_score":0.11402884653458993},{"text":"It's capped at 9,900 for you.","start":1615.49,"end":1617.97,"sentiment":"neutral","sentiment_score":0.0528159129122893},{"text":"Okay?","start":1617.97,"end":1618.47,"sentiment":"neutral","sentiment_score":0.10161314159631728},{"text":"Yeah.","start":1618.9299,"end":1619.4299,"sentiment":"neutral","sentiment_score":0.2048187404870987},{"text":"And the insurance premium stay exactly the same.","start":1620.2899,"end":1622.95,"sentiment":"neutral","sentiment_score":0.20429237000644207}],"sentiment":"neutral","sentiment_score":0.12677016344797962,"num_words":34,"start":1609.4099,"end":1622.95},{"sentences":[{"text":"Underneath it, you'll see the balance portfolio.","start":1623.5751,"end":1625.995,"sentiment":"neutral","sentiment_score":0.1511152046067374},{"text":"So we've kinda gone back and had a look at how this balance portfolio has performed over the past five years.","start":1626.215,"end":1631.8151,"sentiment":"neutral","sentiment_score":0.24656042811416445},{"text":"It's showing the rolling average there, and, again, it's averaged about 9.59%.","start":1631.8151,"end":1636.82,"sentiment":"positive","sentiment_score":0.33365100622177124},{"text":"So it's kind of keeping on par.","start":1637.2,"end":1638.72,"sentiment":"positive","sentiment_score":0.38815307191440035},{"text":"It's actually provided a little bit more of a return in the growth portfolio whilst reducing your risk.","start":1638.72,"end":1643.62,"sentiment":"positive","sentiment_score":0.42140326897303265}],"sentiment":"neutral","sentiment_score":0.31602642834186556,"num_words":65,"start":1623.5751,"end":1643.62},{"sentences":[{"text":"However, we know this is past performance.","start":1644.16,"end":1646.58,"sentiment":"neutral","sentiment_score":-0.035845965679202764},{"text":"We're not guaranteed to get 9% every year.","start":1646.64,"end":1649.295,"sentiment":"neutral","sentiment_score":-0.05051448941230774},{"text":"What we wanna kinda do is keep that compounding working as much as possible.","start":1649.375,"end":1653.3151,"sentiment":"neutral","sentiment_score":0.09518805891275406},{"text":"But if this portfolio can do what it has done over the past five years, you can see below essentially where we'd expect you to end up over the next three and five years there.","start":1653.6951,"end":1663.395,"sentiment":"neutral","sentiment_score":0.24006552738802775},{"text":"Okay?","start":1663.4551,"end":1663.9551,"sentiment":"neutral","sentiment_score":0.233646422624588}],"sentiment":"neutral","sentiment_score":0.143285154322019,"num_words":65,"start":1644.16,"end":1663.9551},{"sentences":[{"text":"Yeah.","start":1666.8701,"end":1667.3701,"sentiment":"neutral","sentiment_score":0.2398771345615387},{"text":"So we do know because we're reducing risk and because the CDK consequences over the next three years, we see your balance a lot a little under where it would be if you stayed in the growth portfolio.","start":1667.43,"end":1678.65,"sentiment":"neutral","sentiment_score":0.17770689686662272},{"text":"But over the next five years, we can see that make up and provide you know, it compounds a bit faster and does make up that difference and does show a greater performance over the next five years as well.","start":1679.295,"end":1691.395,"sentiment":"positive","sentiment_score":0.33357639126479627},{"text":"Okay.","start":1691.4551,"end":1691.9551,"sentiment":"neutral","sentiment_score":0.10273130238056184},{"text":"Yeah.","start":1693.03,"end":1693.53,"sentiment":"neutral","sentiment_score":0.07647043466567993}],"sentiment":"neutral","sentiment_score":0.2532715630016209,"num_words":81,"start":1666.8701,"end":1693.53},{"sentences":[{"text":"Do you have any questions in relation to any of that?","start":1693.99,"end":1696.47,"sentiment":"neutral","sentiment_score":0.09986644305966118},{"text":"You're welcome to ask me anything you like at the moment.","start":1696.47,"end":1699.37,"sentiment":"neutral","sentiment_score":0.17476683990521866},{"text":"Yeah.","start":1702.79,"end":1703.29,"sentiment":"neutral","sentiment_score":0.05158740282058716},{"text":"Beautiful.","start":1704.645,"end":1705.145,"sentiment":"positive","sentiment_score":0.8014764189720154},{"text":"Excellent.","start":1705.605,"end":1706.105,"sentiment":"positive","sentiment_score":0.7226986885070801}],"sentiment":"neutral","sentiment_score":0.18386914491653442,"num_words":25,"start":1693.99,"end":1706.105},{"sentences":[{"text":"I will show you on page number 23 as well there.","start":1706.725,"end":1709.605,"sentiment":"neutral","sentiment_score":0.2682483656839891},{"text":"We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances.","start":1709.605,"end":1716.905,"sentiment":"neutral","sentiment_score":0.14823164120316507},{"text":"So this is just to sort of show you that we know insurance is coming out of super does have an impact on retirement.","start":1717.6901,"end":1722.91,"sentiment":"neutral","sentiment_score":0.09845815288523833},{"text":"The current and recommended are exactly the same as what's above in the projection table there.","start":1723.77,"end":1729.0701,"sentiment":"neutral","sentiment_score":0.12160007003694773},{"text":"However, the no insurance column shows that if under the same circumstances as what's recommended, you were not paying any insurance payments out of super, you can show that it would have a greater effect long term on your super balance.","start":1729.53,"end":1741.995,"sentiment":"neutral","sentiment_score":0.07010607085213429}],"sentiment":"neutral","sentiment_score":0.11694920126215688,"num_words":112,"start":1706.725,"end":1741.995},{"sentences":[{"text":"Yeah.","start":1744.375,"end":1744.855,"sentiment":"neutral","sentiment_score":0.06347199529409409},{"text":"Yeah.","start":1744.855,"end":1745.355,"sentiment":"neutral","sentiment_score":0.057506073266267776},{"text":"And underneath that, the only other thing I wanted to sort of have in here is that we are making sure that you do have the estate planning side of things all completed and updated and making sure that you do have your beneficiary nominations in place.","start":1746.0,"end":1760.74,"sentiment":"neutral","sentiment_score":0.10383797413174142},{"text":"Essentially, one of the things we talked about was making sure that your beneficiaries could all receive about the same balance your beneficiaries were.","start":1761.315,"end":1770.835,"sentiment":"neutral","sentiment_score":0.07225803084050615},{"text":"All of your children at about 20 each.","start":1770.835,"end":1773.495,"sentiment":"neutral","sentiment_score":0.046767108142375946}],"sentiment":"neutral","sentiment_score":0.08777398096374524,"num_words":81,"start":1744.375,"end":1773.495},{"sentences":[{"text":"However, one of the biggest things was because your kids, some of them are they're on different, you know, taxable income.","start":1773.715,"end":1780.4,"sentiment":"neutral","sentiment_score":-0.06475764371099926},{"text":"Some of them are dependent on you.","start":1780.4,"end":1782.3201,"sentiment":"neutral","sentiment_score":-0.07654645081077303},{"text":"Some of them are not.","start":1782.3201,"end":1783.46,"sentiment":"neutral","sentiment_score":-0.0696668952703476},{"text":"Essentially, with children when they're over 18, receiving your super benefit paid direct from super means that they do pay tax on that, whereas any beneficiaries or children who are benefit who are financially dependent on you, they actually don't pay tax.","start":1783.68,"end":1800.7649,"sentiment":"neutral","sentiment_score":-0.06369820343596595},{"text":"So with your five kids all being nominated that from your super, they're not likely to receive the the same benefit.","start":1800.7649,"end":1807.51,"sentiment":"neutral","sentiment_score":-0.12393269084748768}],"sentiment":"neutral","sentiment_score":-0.07835397085485359,"num_words":96,"start":1773.715,"end":1807.51},{"sentences":[{"text":"It's not likely to be an evened out amount.","start":1807.51,"end":1810.47,"sentiment":"neutral","sentiment_score":-0.18494445085525513},{"text":"So what I'm recommending is that we just update your beneficiary nomination, have it noted to legal personal representative.","start":1810.47,"end":1817.13,"sentiment":"neutral","sentiment_score":0.02546084544768459},{"text":"That essentially means that your beneficiary is, in the event of you passing your super, is paid direct to your estate, and you just need to make sure you have a will that reflects your wishes.","start":1817.985,"end":1829.445,"sentiment":"neutral","sentiment_score":0.05817715533905559},{"text":"And I've had a bit of a look.","start":1829.985,"end":1831.41,"sentiment":"neutral","sentiment_score":0.008099083555862308},{"text":"Yeah.","start":1831.81,"end":1832.05,"sentiment":"neutral","sentiment_score":0.0174863338470459}],"sentiment":"neutral","sentiment_score":0.013642638360392558,"num_words":73,"start":1807.51,"end":1832.05},{"sentences":[{"text":"You're right.","start":1832.05,"end":1832.79,"sentiment":"neutral","sentiment_score":0.01129220798611641},{"text":"Dex.","start":1835.5701,"end":1836.0701,"sentiment":"neutral","sentiment_score":0.0016257455572485924},{"text":"Yeah.","start":1836.85,"end":1837.3301,"sentiment":"neutral","sentiment_score":0.13545644283294678},{"text":"Yeah.","start":1837.3301,"end":1837.8301,"sentiment":"neutral","sentiment_score":0.1482926309108734},{"text":"I've actually had a bit of a look, and I I do believe do believe now did we send you the email after the annual review?","start":1837.89,"end":1843.25,"sentiment":"neutral","sentiment_score":0.21996781000724205}],"sentiment":"neutral","sentiment_score":0.19442329985359985,"num_words":31,"start":1832.05,"end":1843.25},{"sentences":[{"text":"I'm pretty sure we sent the email with the details of a local solicitor that we can refer you through to.","start":1843.25,"end":1847.965,"sentiment":"neutral","sentiment_score":0.20433644169852846},{"text":"Yep.","start":1852.105,"end":1852.605,"sentiment":"neutral","sentiment_score":0.1155642494559288},{"text":"Yep.","start":1854.105,"end":1854.605,"sentiment":"neutral","sentiment_score":0.09218396246433258},{"text":"Yep.","start":1856.825,"end":1857.325,"sentiment":"neutral","sentiment_score":0.20734503865242004},{"text":"Beautiful.","start":1858.52,"end":1859.02,"sentiment":"positive","sentiment_score":0.5492584705352783}],"sentiment":"neutral","sentiment_score":0.2102166798710823,"num_words":25,"start":1843.25,"end":1859.02},{"sentences":[{"text":"Yeah.","start":1861.96,"end":1862.36,"sentiment":"positive","sentiment_score":0.34670114517211914},{"text":"It is really important that you do do so if anything was to happen.","start":1862.36,"end":1865.3999,"sentiment":"positive","sentiment_score":0.3626031056046486},{"text":"And because you do have you know, you've got your heart issue at the moment, making sure your will is done as a matter of priority is really important.","start":1865.3999,"end":1872.38,"sentiment":"neutral","sentiment_score":0.3231259471383588},{"text":"And I definitely ask once you get your will updated there, James, if you can send me a copy of it, we can keep it on file for you.","start":1872.995,"end":1879.2351,"sentiment":"neutral","sentiment_score":0.3306635284218295},{"text":"That way, in the event of something occurring or you passing away, it just means that your executive needs to can call us, and then we can help them with the claim and sort of make your life a little bit easier on them as well.","start":1879.2351,"end":1891.68,"sentiment":"positive","sentiment_score":0.4067644033095111}],"sentiment":"positive","sentiment_score":0.3621361509842031,"num_words":119,"start":1861.96,"end":1891.68},{"sentences":[{"text":"So yeah.","start":1891.68,"end":1893.52,"sentiment":"neutral","sentiment_score":0.20269207656383514},{"text":"But now doing your will is very important, and having that beneficiary nomination change to legal personal representative just means that everything gets pulled into your estate and then paid out to your beneficiaries through the will.","start":1893.52,"end":1905.9551,"sentiment":"neutral","sentiment_score":0.26085636382167404},{"text":"It can be paid as a more tax advantaged way.","start":1906.255,"end":1908.5751,"sentiment":"positive","sentiment_score":0.3806171715259552},{"text":"You can also have trust and things set up so that if you've got younger children 18 who are still at school or still have, you know, need regular income payments that through a trust, you can also allocate who gets what when they receive it and have a lot more control over your benefit and how it is paid to each of your children.","start":1908.5751,"end":1928.05,"sentiment":"neutral","sentiment_score":0.2456729521831641},{"text":"Yeah.","start":1928.8301,"end":1929.3301,"sentiment":"neutral","sentiment_score":-0.06928817927837372}],"sentiment":"neutral","sentiment_score":0.2588060438470996,"num_words":115,"start":1891.68,"end":1929.3301},{"sentences":[{"text":"Yeah.","start":1929.985,"end":1930.485,"sentiment":"neutral","sentiment_score":-0.15368516743183136},{"text":"Yeah.","start":1938.145,"end":1938.645,"sentiment":"neutral","sentiment_score":-0.18104270100593567},{"text":"You just never know.","start":1947.6,"end":1948.9,"sentiment":"neutral","sentiment_score":-0.29577719420194626},{"text":"Yeah.","start":1950.24,"end":1950.74,"sentiment":"neutral","sentiment_score":-0.13992883265018463},{"text":"You just never know.","start":1951.28,"end":1952.5,"sentiment":"neutral","sentiment_score":-0.23154426366090775}],"sentiment":"neutral","sentiment_score":-0.23490386659448798,"num_words":11,"start":1929.985,"end":1952.5},{"sentences":[{"text":"It's something we have seen a lot in this industry where, you know, things are unexpected, and I hope I hope, you know, you have a long, healthy life, and I wanna be talking to you for years to come, and then you enjoy your retirement.","start":1952.5599,"end":1964.955,"sentiment":"neutral","sentiment_score":0.2640565095631325},{"text":"But, essentially, it is really important to have these tough conversations and kinda make sure that we are discussing, you know, what happens because we do see in this industry a lot where, you know, nothing's expected and people pass away unexpectedly or things happen.","start":1965.655,"end":1979.41,"sentiment":"neutral","sentiment_score":-0.061490667363007866},{"text":"And then family members are left with no will going through probate, and probate can be anywhere from twelve to eighteen months.","start":1979.9501,"end":1986.865,"sentiment":"neutral","sentiment_score":-0.20443591644818132},{"text":"It can be longer depending on the system and how long it takes.","start":1986.865,"end":1989.925,"sentiment":"neutral","sentiment_score":-0.218358195745028},{"text":"It's a costly process, and people get to come out and stake a claim, and it can just be very, very difficult on the family members.","start":1990.305,"end":1998.165,"sentiment":"neutral","sentiment_score":-0.3300209045410156}],"sentiment":"neutral","sentiment_score":-0.04300836063186197,"num_words":152,"start":1952.5599,"end":1998.165},{"sentences":[{"text":"And and, yeah, and it does also mean that, you know, your benefit may not be paid where you want it to go.","start":1998.385,"end":2005.07,"sentiment":"neutral","sentiment_score":-0.19889848646910294},{"text":"It might be paid to the wrong person.","start":2005.07,"end":2006.99,"sentiment":"neutral","sentiment_score":-0.20789675787091255},{"text":"Some children might receive more than others.","start":2006.99,"end":2009.15,"sentiment":"neutral","sentiment_score":-0.18167193021093095},{"text":"So having a will in place and stipulating your wishes is really important to do.","start":2009.15,"end":2014.4299,"sentiment":"neutral","sentiment_score":0.0303103802104791},{"text":"It's a a bit of a, an investment in yourself and and you the fact that you've worked so hard so that your estate is directed to where you want it to be.","start":2014.4299,"end":2022.985,"sentiment":"neutral","sentiment_score":0.08037565208294174}],"sentiment":"neutral","sentiment_score":-0.051191750480685125,"num_words":86,"start":1998.385,"end":2022.985},{"sentences":[{"text":"And when we have legal personal representative nominated on your super, it is really very important that your will is updated because if you do pass away, having a beneficiary to LPR is one part of that process.","start":2023.2849,"end":2035.21,"sentiment":"neutral","sentiment_score":-0.013154718779811734},{"text":"But if you don't have a will that's up to date, then everything gets paid to your estate and still goes through probate, which is a long, costly, difficult process for your family.","start":2035.5099,"end":2044.5499,"sentiment":"neutral","sentiment_score":-0.18279338797385042},{"text":"So if you can make some time, have a chat to the solicitor, get your will updated, let them know that you want your super and your life insurance proceeds all to go through, you know, to go through the will, and we'll make sure those beneficiary nominations are set up for you to assist.","start":2044.5499,"end":2060.905,"sentiment":"neutral","sentiment_score":0.10078953629867597},{"text":"Okay?","start":2061.42,"end":2061.92,"sentiment":"neutral","sentiment_score":0.1703464388847351},{"text":"Beautiful.","start":2063.66,"end":2064.16,"sentiment":"positive","sentiment_score":0.6460586786270142}],"sentiment":"neutral","sentiment_score":-0.0013455586158670485,"num_words":128,"start":2023.2849,"end":2064.16},{"sentences":[{"text":"Now do you have any questions at all?","start":2064.46,"end":2066.7,"sentiment":"neutral","sentiment_score":0.1419712919741869},{"text":"Is there anything you wanted me to kinda go back through or answer?","start":2066.7,"end":2070.56,"sentiment":"neutral","sentiment_score":-0.02094575583648223},{"text":"Or yeah.","start":2070.7,"end":2074.895,"sentiment":"neutral","sentiment_score":-0.03401285223662853},{"text":"Beautiful.","start":2075.435,"end":2075.935,"sentiment":"positive","sentiment_score":0.5640058517456055},{"text":"Yep.","start":2079.595,"end":2080.095,"sentiment":"neutral","sentiment_score":0.1912427842617035}],"sentiment":"neutral","sentiment_score":0.062027937658131124,"num_words":25,"start":2064.46,"end":2080.095},{"sentences":[{"text":"Absolutely.","start":2084.5552,"end":2085.0552,"sentiment":"positive","sentiment_score":0.4503861665725708},{"text":"I'm here all the time.","start":2085.355,"end":2086.8152,"sentiment":"positive","sentiment_score":0.4089057743549347},{"text":"So let me know if there's any questions that you have.","start":2086.875,"end":2088.86,"sentiment":"positive","sentiment_score":0.39109149304303253},{"text":"If you go through it and you decide just to have it all implemented, we'll just get you signed and return it back, and we'll take care of that for you.","start":2088.86,"end":2095.84,"sentiment":"positive","sentiment_score":0.40421181244234883},{"text":"Okay.","start":2095.9001,"end":2096.4001,"sentiment":"neutral","sentiment_score":0.17393669486045835}],"sentiment":"positive","sentiment_score":0.3979882518855893,"num_words":49,"start":2084.5552,"end":2096.4001},{"sentences":[{"text":"Beautiful.","start":2097.6602,"end":2098.1602,"sentiment":"positive","sentiment_score":0.5128094553947449},{"text":"Yeah.","start":2098.62,"end":2099.115,"sentiment":"neutral","sentiment_score":0.14485269784927368},{"text":"Yes.","start":2108.795,"end":2109.295,"sentiment":"neutral","sentiment_score":0.07764836400747299},{"text":"Yes.","start":2119.69,"end":2120.19,"sentiment":"neutral","sentiment_score":0.015020683407783508},{"text":"Yep.","start":2127.385,"end":2127.885,"sentiment":"neutral","sentiment_score":-0.02065817080438137}],"sentiment":"neutral","sentiment_score":0.14593460597097874,"num_words":5,"start":2097.6602,"end":2127.885},{"sentences":[{"text":"Okay.","start":2132.025,"end":2132.525,"sentiment":"neutral","sentiment_score":-0.004147093743085861},{"text":"So that'll be something for your GP to have a chat to you about.","start":2133.865,"end":2137.145,"sentiment":"neutral","sentiment_score":0.026938343021486486},{"text":"Is that right?","start":2137.145,"end":2138.045,"sentiment":"neutral","sentiment_score":0.021231217309832573},{"text":"Mhmm.","start":2139.71,"end":2140.21,"sentiment":"neutral","sentiment_score":-0.03783037513494491},{"text":"Yeah.","start":2144.27,"end":2144.77,"sentiment":"neutral","sentiment_score":-0.050187937915325165}],"sentiment":"neutral","sentiment_score":0.01743325237184763,"num_words":20,"start":2132.025,"end":2144.77},{"sentences":[{"text":"Yeah.","start":2146.1099,"end":2146.6099,"sentiment":"neutral","sentiment_score":-0.007392048835754395},{"text":"Yeah.","start":2146.8298,"end":2147.23,"sentiment":"neutral","sentiment_score":-0.018524903804063797},{"text":"No.","start":2147.23,"end":2147.47,"sentiment":"neutral","sentiment_score":-0.06872797012329102},{"text":"That's okay.","start":2147.47,"end":2148.27,"sentiment":"neutral","sentiment_score":-0.0375385656952858},{"text":"Do you have another DP's appointment coming up soon?","start":2148.27,"end":2151.31,"sentiment":"neutral","sentiment_score":-0.02497843239042494}],"sentiment":"neutral","sentiment_score":-0.028180567547678947,"num_words":14,"start":2146.1099,"end":2151.31},{"sentences":[{"text":"Or yeah.","start":2151.31,"end":2157.7551,"sentiment":"neutral","sentiment_score":-0.007760881446301937},{"text":"Yeah.","start":2160.7751,"end":2161.095,"sentiment":"neutral","sentiment_score":0.022110190242528915},{"text":"Okay.","start":2161.095,"end":2161.595,"sentiment":"neutral","sentiment_score":0.06114540249109268},{"text":"Perfect.","start":2161.895,"end":2162.395,"sentiment":"neutral","sentiment_score":0.13112616539001465},{"text":"Yeah.","start":2163.0151,"end":2163.3352,"sentiment":"neutral","sentiment_score":0.019387617707252502}],"sentiment":"neutral","sentiment_score":0.03637460215638081,"num_words":6,"start":2151.31,"end":2163.3352},{"sentences":[{"text":"No.","start":2163.3352,"end":2163.5752,"sentiment":"neutral","sentiment_score":-0.059631720185279846},{"text":"Just, yeah, just have a bit of a chat and just sort of say, look.","start":2163.5752,"end":2166.3,"sentiment":"neutral","sentiment_score":-0.03748685730000337},{"text":"Yeah.","start":2166.46,"end":2166.78,"sentiment":"neutral","sentiment_score":-0.020298266783356667},{"text":"They should understand what TPD is.","start":2166.78,"end":2168.3801,"sentiment":"neutral","sentiment_score":-0.07901569207509358},{"text":"It's permanent incapacity where, essentially, there's you know, you're not gonna be able to go back to work again if they're happy to sign off on that.","start":2168.3801,"end":2175.28,"sentiment":"neutral","sentiment_score":-0.08082242116883949}],"sentiment":"neutral","sentiment_score":-0.0659706474095583,"num_words":50,"start":2163.3352,"end":2175.28},{"sentences":[{"text":"Generally speaking, if they are still trying to seek treatment and get you back to some sort of working capacity, then TPD is very hard to claim on.","start":2176.22,"end":2185.305,"sentiment":"neutral","sentiment_score":-0.11478122257228408},{"text":"But, yeah, just have a chat to them and find out, you know, the the the long term outcome and what they're expecting and if they're happy to sign off on, you know, a PPD claim.","start":2185.305,"end":2195.34,"sentiment":"neutral","sentiment_score":0.2682197408543693},{"text":"And then we can definitely put that through.","start":2195.72,"end":2197.74,"sentiment":"positive","sentiment_score":0.36588362231850624},{"text":"So because you are 60 at the moment, with PPD, it is unfortunately taxed.","start":2197.8,"end":2203.24,"sentiment":"neutral","sentiment_score":-0.07146142476371356},{"text":"So if the claim goes through and it is successful before you do draw any funds out, you and I can do an updated advice case and look at, you know, how to maybe have an income stream coming out so you've got some money to supplement your Centrelink and, you know, look at how best to structure it.","start":2203.24,"end":2219.645,"sentiment":"neutral","sentiment_score":0.1703334508179608}],"sentiment":"neutral","sentiment_score":0.1270228901299937,"num_words":145,"start":2176.22,"end":2219.645},{"sentences":[{"text":"Because you're also on Centrelink, and they assess income and income and assets testing.","start":2219.645,"end":2224.5698,"sentiment":"neutral","sentiment_score":0.06393833724515778},{"text":"We wanna make sure that you that you don't, you know, lose too much Centrelink there as well.","start":2225.27,"end":2230.3098,"sentiment":"neutral","sentiment_score":-0.026737428787681792},{"text":"So we'll look at how best to structure it tax wise, but also so that you can survive and, you know, get to get enough income to support yourself and your family.","start":2230.3098,"end":2241.2449,"sentiment":"neutral","sentiment_score":0.16457656864076853},{"text":"Yeah.","start":2243.9448,"end":2244.4448,"sentiment":"neutral","sentiment_score":0.01846892572939396},{"text":"Yeah.","start":2249.4001,"end":2249.9001,"sentiment":"neutral","sentiment_score":0.0068730078637599945}],"sentiment":"neutral","sentiment_score":0.08644932020229823,"num_words":66,"start":2219.645,"end":2249.9001},{"sentences":[{"text":"Yeah.","start":2252.6,"end":2253.1,"sentiment":"neutral","sentiment_score":-0.008040664717555046},{"text":"Yes.","start":2257.48,"end":2257.98,"sentiment":"neutral","sentiment_score":-0.0006222017109394073},{"text":"Yeah.","start":2260.2148,"end":2260.7148,"sentiment":"neutral","sentiment_score":-0.05055162310600281},{"text":"Yep.","start":2269.4949,"end":2269.9949,"sentiment":"neutral","sentiment_score":-0.16138920187950134},{"text":"Yeah.","start":2272.1501,"end":2272.3901,"sentiment":"neutral","sentiment_score":-0.034899745136499405}],"sentiment":"neutral","sentiment_score":-0.051100687310099605,"num_words":5,"start":2252.6,"end":2272.3901},{"sentences":[{"text":"The liquid assets test.","start":2272.3901,"end":2273.75,"sentiment":"neutral","sentiment_score":-0.06211195234209299},{"text":"Yeah.","start":2273.75,"end":2274.23,"sentiment":"neutral","sentiment_score":-0.08675754070281982},{"text":"That's a kilo of that one.","start":2274.23,"end":2275.85,"sentiment":"negative","sentiment_score":-0.4236038277546565},{"text":"Oh, I'm so sorry.","start":2283.045,"end":2284.665,"sentiment":"neutral","sentiment_score":-0.25088684260845184},{"text":"Yeah.","start":2284.7249,"end":2285.2249,"sentiment":"neutral","sentiment_score":-0.19811072945594788}],"sentiment":"neutral","sentiment_score":-0.25490540103055537,"num_words":16,"start":2272.3901,"end":2285.2249},{"sentences":[{"text":"Yeah.","start":2287.845,"end":2288.345,"sentiment":"neutral","sentiment_score":-0.03960477188229561},{"text":"Yep.","start":2288.805,"end":2289.305,"sentiment":"neutral","sentiment_score":-0.05943852663040161},{"text":"Oh, that's a shame.","start":2289.845,"end":2291.305,"sentiment":"negative","sentiment_score":-0.5907860994338989},{"text":"Mhmm.","start":2304.5,"end":2305.0,"sentiment":"neutral","sentiment_score":-0.0900869369506836},{"text":"Yeah.","start":2308.675,"end":2308.9949,"sentiment":"neutral","sentiment_score":-0.09036713093519212}],"sentiment":"neutral","sentiment_score":-0.3303302205167711,"num_words":8,"start":2287.845,"end":2308.9949},{"sentences":[{"text":"Right.","start":2308.9949,"end":2309.4949,"sentiment":"neutral","sentiment_score":-0.09035497903823853},{"text":"No.","start":2313.715,"end":2314.215,"sentiment":"neutral","sentiment_score":-0.22930669784545896},{"text":"Yeah.","start":2320.37,"end":2320.87,"sentiment":"neutral","sentiment_score":-0.1061006486415863},{"text":"Yeah.","start":2325.7302,"end":2326.2302,"sentiment":"neutral","sentiment_score":-0.0715804398059845},{"text":"Yeah.","start":2327.25,"end":2327.75,"sentiment":"neutral","sentiment_score":-0.06583236157894135}],"sentiment":"neutral","sentiment_score":-0.11263502538204193,"num_words":5,"start":2308.9949,"end":2327.75},{"sentences":[{"text":"Yeah.","start":2329.9702,"end":2330.4702,"sentiment":"neutral","sentiment_score":-0.10199388861656188},{"text":"It's tough.","start":2332.225,"end":2332.885,"sentiment":"neutral","sentiment_score":-0.33165791630744934},{"text":"Yeah.","start":2334.465,"end":2334.965,"sentiment":"neutral","sentiment_score":-0.10339823365211488},{"text":"No.","start":2335.185,"end":2335.505,"sentiment":"neutral","sentiment_score":-0.2844184637069702},{"text":"I'm so sorry to hear that.","start":2335.505,"end":2337.105,"sentiment":"negative","sentiment_score":-0.33904723326365155}],"sentiment":"neutral","sentiment_score":-0.2897645289247686,"num_words":11,"start":2329.9702,"end":2337.105},{"sentences":[{"text":"Well, we'll keep working with you and see what can happen.","start":2337.105,"end":2339.985,"sentiment":"neutral","sentiment_score":0.20774991674856705},{"text":"I'll keep keep on top of things with Kate and see how we go.","start":2339.985,"end":2343.425,"sentiment":"neutral","sentiment_score":0.2770313801509993},{"text":"It's not an easy process to claim on TBD.","start":2343.425,"end":2346.23,"sentiment":"neutral","sentiment_score":-0.1983137693670061},{"text":"I know the insurers, their goal is to try and pay out as little claims as possible unless needed.","start":2346.37,"end":2351.11,"sentiment":"neutral","sentiment_score":-0.148823386744449},{"text":"But our job is to try and help you get the claim, so we'll certainly try.","start":2351.8901,"end":2355.9102,"sentiment":"neutral","sentiment_score":0.24494733149185777}],"sentiment":"neutral","sentiment_score":0.07928083243145459,"num_words":69,"start":2337.105,"end":2355.9102},{"sentences":[{"text":"If for any reason it comes back not, you know, not payable, we'll just keep monitoring things.","start":2356.37,"end":2362.025,"sentiment":"neutral","sentiment_score":-0.1282979578656309},{"text":"We can go back and claim again.","start":2362.025,"end":2363.4648,"sentiment":"neutral","sentiment_score":-0.12406770884990692},{"text":"That doesn't stop you from ever claiming again.","start":2363.4648,"end":2365.645,"sentiment":"neutral","sentiment_score":-0.08922832738608122},{"text":"Okay?","start":2365.785,"end":2366.285,"sentiment":"neutral","sentiment_score":0.023797657340765},{"text":"Yeah.","start":2367.145,"end":2367.545,"sentiment":"neutral","sentiment_score":0.11583922058343887}],"sentiment":"neutral","sentiment_score":-0.10658026431851528,"num_words":34,"start":2356.37,"end":2367.545},{"sentences":[{"text":"But we'll see what we can do.","start":2367.545,"end":2368.825,"sentiment":"neutral","sentiment_score":0.1369808241724968},{"text":"We'll cross our fingers and, yeah, just it all comes down to what the doctors are gonna say and what the reports show and, yeah, how it's assessed.","start":2368.825,"end":2377.22,"sentiment":"neutral","sentiment_score":0.02152598669220294},{"text":"So as long as the doctors are all good, they think there's no way you'll get back to work long term, you won't be able to work, then we should be, you know, on the right path.","start":2377.22,"end":2386.245,"sentiment":"neutral","sentiment_score":-0.06608008613457551},{"text":"One of the biggest things you have going for you is that you are on disability pension now.","start":2386.485,"end":2390.405,"sentiment":"neutral","sentiment_score":-0.16028734710481432},{"text":"So Centrelink has assessed that you're unable to go back to work, you know, essentially in the short term with regards to this.","start":2390.405,"end":2396.5051,"sentiment":"neutral","sentiment_score":-0.12314120097004849}],"sentiment":"neutral","sentiment_score":-0.058414067792813336,"num_words":113,"start":2367.545,"end":2396.5051},{"sentences":[{"text":"So that does show a positive sign to help towards going towards the climb.","start":2396.885,"end":2401.3052,"sentiment":"positive","sentiment_score":0.39891766011714935},{"text":"Yeah.","start":2407.71,"end":2408.21,"sentiment":"neutral","sentiment_score":-0.001277228817343712},{"text":"Yep.","start":2424.2852,"end":2424.7852,"sentiment":"neutral","sentiment_score":0.004768771585077047},{"text":"Yeah.","start":2425.485,"end":2425.885,"sentiment":"neutral","sentiment_score":0.01933597587049007},{"text":"Wow.","start":2425.885,"end":2426.385,"sentiment":"neutral","sentiment_score":0.06065044179558754}],"sentiment":"neutral","sentiment_score":0.3149069556707723,"num_words":18,"start":2396.885,"end":2426.385},{"sentences":[{"text":"Yeah.","start":2430.46,"end":2430.96,"sentiment":"neutral","sentiment_score":0.02373577654361725},{"text":"Yeah.","start":2442.475,"end":2442.955,"sentiment":"neutral","sentiment_score":0.011133232153952122},{"text":"Wow.","start":2442.955,"end":2443.455,"sentiment":"neutral","sentiment_score":0.020728569477796555},{"text":"Yeah.","start":2449.8352,"end":2450.235,"sentiment":"neutral","sentiment_score":0.05212804675102234},{"text":"Wow.","start":2450.235,"end":2450.735,"sentiment":"neutral","sentiment_score":0.1781604140996933}],"sentiment":"neutral","sentiment_score":0.05717720780521631,"num_words":5,"start":2430.46,"end":2450.735},{"sentences":[{"text":"Oh, well, that's good.","start":2451.95,"end":2452.75,"sentiment":"positive","sentiment_score":0.5190752595663071},{"text":"That's a positive sign.","start":2452.75,"end":2453.7898,"sentiment":"positive","sentiment_score":0.6385935992002487},{"text":"That does show as much as it's disability and it's it's, you know, what you're going through isn't great.","start":2453.7898,"end":2458.45,"sentiment":"neutral","sentiment_score":-0.18921323983292831},{"text":"It does show that, you know, there the the doctors are seeing that you're not able to go back to your role, that you're not able to work at the moment due to what you're dealing with and what you know, your health.","start":2458.91,"end":2469.7249,"sentiment":"neutral","sentiment_score":-0.2626098002805266},{"text":"So it does go a long way to showing that there is there is, you know, a small chance of going back to work.","start":2470.345,"end":2475.625,"sentiment":"neutral","sentiment_score":-0.14058243421216807}],"sentiment":"neutral","sentiment_score":-0.14500612717993716,"num_words":94,"start":2451.95,"end":2475.625},{"sentences":[{"text":"So we'll certainly see how we go.","start":2475.625,"end":2477.9648,"sentiment":"neutral","sentiment_score":0.00500184457216944},{"text":"Yeah.","start":2488.52,"end":2488.84,"sentiment":"neutral","sentiment_score":-0.011311009526252748},{"text":"Right.","start":2488.84,"end":2489.24,"sentiment":"neutral","sentiment_score":-0.011386262252926826},{"text":"Have you had sleep apnea for years?","start":2489.24,"end":2491.56,"sentiment":"neutral","sentiment_score":-0.04093591123819351},{"text":"Or Oh, yeah.","start":2491.56,"end":2506.14,"sentiment":"neutral","sentiment_score":-0.09413114190101624}],"sentiment":"neutral","sentiment_score":-0.029296271797073514,"num_words":19,"start":2475.625,"end":2506.14},{"sentences":[{"text":"It's noisy too, isn't it?","start":2506.14,"end":2508.0,"sentiment":"neutral","sentiment_score":-0.18399782180786134},{"text":"Wow.","start":2515.34,"end":2515.84,"sentiment":"neutral","sentiment_score":-0.017045753076672554},{"text":"Yeah.","start":2516.14,"end":2516.64,"sentiment":"neutral","sentiment_score":-0.015077393501996994},{"text":"Yeah.","start":2527.565,"end":2528.065,"sentiment":"neutral","sentiment_score":-0.2584114968776703},{"text":"Oh, wow.","start":2529.98,"end":2530.72,"sentiment":"neutral","sentiment_score":-0.3047628849744797}],"sentiment":"neutral","sentiment_score":-0.1820049522444606,"num_words":10,"start":2506.14,"end":2530.72},{"sentences":[{"text":"Yeah.","start":2536.78,"end":2537.28,"sentiment":"neutral","sentiment_score":-0.0971856415271759},{"text":"Yeah.","start":2550.475,"end":2550.975,"sentiment":"neutral","sentiment_score":-0.08928166329860687},{"text":"Yeah.","start":2562.09,"end":2562.59,"sentiment":"neutral","sentiment_score":-0.0343998484313488},{"text":"Yeah.","start":2565.465,"end":2565.7852,"sentiment":"neutral","sentiment_score":0.019831303507089615},{"text":"Absolutely.","start":2565.7852,"end":2566.2852,"sentiment":"neutral","sentiment_score":0.03119741380214691}],"sentiment":"neutral","sentiment_score":-0.03396768718957901,"num_words":5,"start":2536.78,"end":2566.2852},{"sentences":[{"text":"What's the day surgery procedure for?","start":2566.8252,"end":2569.165,"sentiment":"neutral","sentiment_score":0.005874674456814925},{"text":"Is it the Yep.","start":2569.225,"end":2579.1,"sentiment":"neutral","sentiment_score":-0.024913766654208302},{"text":"Yeah.","start":2585.24,"end":2585.74,"sentiment":"neutral","sentiment_score":-0.09111882001161575},{"text":"Yeah.","start":2587.48,"end":2587.98,"sentiment":"neutral","sentiment_score":-0.026571739464998245},{"text":"Yep.","start":2588.28,"end":2588.78,"sentiment":"neutral","sentiment_score":-0.01710963249206543}],"sentiment":"neutral","sentiment_score":-0.015323631680355622,"num_words":13,"start":2566.8252,"end":2588.78},{"sentences":[{"text":"Okay.","start":2592.4548,"end":2592.9548,"sentiment":"neutral","sentiment_score":-0.00016681663691997528},{"text":"Yeah.","start":2605.83,"end":2606.33,"sentiment":"neutral","sentiment_score":0.04494418576359749},{"text":"Yeah.","start":2606.95,"end":2607.45,"sentiment":"neutral","sentiment_score":0.017120517790317535},{"text":"Yeah.","start":2623.6848,"end":2624.1848,"sentiment":"neutral","sentiment_score":-0.1044626533985138},{"text":"Yeah.","start":2626.82,"end":2627.1401,"sentiment":"neutral","sentiment_score":-0.0014770980924367905}],"sentiment":"neutral","sentiment_score":-0.008808372914791108,"num_words":5,"start":2592.4548,"end":2627.1401},{"sentences":[{"text":"Yeah.","start":2627.1401,"end":2627.6401,"sentiment":"neutral","sentiment_score":0.023750754073262215},{"text":"Oh, yep.","start":2628.02,"end":2630.6,"sentiment":"neutral","sentiment_score":0.027795540634542704},{"text":"Yeah.","start":2631.62,"end":2632.12,"sentiment":"neutral","sentiment_score":0.15037821233272552},{"text":"Well, hopefully, it all goes well, and, yeah, let us know how you go.","start":2632.4202,"end":2636.26,"sentiment":"positive","sentiment_score":0.42090901945318493},{"text":"And if anything else comes out of it, and we'll make sure we keep following up and, you know, chatting to see how things go this to go towards getting that claim processed for you.","start":2636.26,"end":2645.615,"sentiment":"neutral","sentiment_score":0.21264281911509378}],"sentiment":"neutral","sentiment_score":0.2559423582839235,"num_words":53,"start":2627.1401,"end":2645.615},{"sentences":[{"text":"Yeah.","start":2648.7148,"end":2649.2148,"sentiment":"neutral","sentiment_score":0.3234138488769531},{"text":"All good.","start":2649.515,"end":2650.4949,"sentiment":"positive","sentiment_score":0.48146480321884155},{"text":"Well, I will let you go to have a read to the document.","start":2650.7148,"end":2653.275,"sentiment":"neutral","sentiment_score":0.128752605846295},{"text":"Let me know if you do happen to have any questions there, James.","start":2653.275,"end":2655.675,"sentiment":"neutral","sentiment_score":0.23887504293368414},{"text":"And, again, if you're just happy to take on the recommendations, I'll get you to sign and return that one back to me.","start":2655.675,"end":2660.57,"sentiment":"neutral","sentiment_score":0.2366290967101636}],"sentiment":"neutral","sentiment_score":0.22130715603438708,"num_words":52,"start":2648.7148,"end":2660.57},{"sentences":[{"text":"Did you want me to do a bit of a catch up with you in the next sort of three or six months?","start":2660.8699,"end":2664.63,"sentiment":"neutral","sentiment_score":0.154196472271629},{"text":"What would you like to see moving forward?","start":2664.63,"end":2666.65,"sentiment":"neutral","sentiment_score":0.11276432406157255},{"text":"Three months?","start":2670.085,"end":2670.9048,"sentiment":"neutral","sentiment_score":0.02873468305915594},{"text":"Yep.","start":2671.045,"end":2671.545,"sentiment":"neutral","sentiment_score":0.09822390973567964},{"text":"Yep.","start":2673.125,"end":2673.4448,"sentiment":"neutral","sentiment_score":0.26499998569488525}],"sentiment":"neutral","sentiment_score":0.13912362046539783,"num_words":35,"start":2660.8699,"end":2673.4448},{"sentences":[{"text":"That's absolutely fine.","start":2673.4448,"end":2674.565,"sentiment":"positive","sentiment_score":0.5536620616912842},{"text":"I'll pop it in the calendar there for you.","start":2674.565,"end":2676.085,"sentiment":"positive","sentiment_score":0.449108084042867},{"text":"My team will give you a call in three months and book you in, and we'll do a bit of a catch up and see how things have been going after implementing this for you.","start":2676.085,"end":2683.2048,"sentiment":"neutral","sentiment_score":0.2958532209907259},{"text":"Okay?","start":2683.2048,"end":2683.7048,"sentiment":"neutral","sentiment_score":0.1536475419998169},{"text":"No worries.","start":2685.9,"end":2686.48,"sentiment":"positive","sentiment_score":0.506014883518219}],"sentiment":"positive","sentiment_score":0.34446997970342635,"num_words":50,"start":2673.4448,"end":2686.48},{"sentences":[{"text":"Well, I will let you go.","start":2686.6199,"end":2687.82,"sentiment":"positive","sentiment_score":0.6328578988711039},{"text":"You have a good day.","start":2687.82,"end":2688.8599,"sentiment":"positive","sentiment_score":0.7565440773963928},{"text":"I hope everything goes well, and, yes, enjoy your day.","start":2688.8599,"end":2692.9788,"sentiment":"positive","sentiment_score":0.7410430550575257},{"text":"My pleasure.","start":2693.9187,"end":2694.7388,"sentiment":"positive","sentiment_score":0.7606202661991119},{"text":"No worries at all.","start":2694.9587,"end":2695.8389,"sentiment":"positive","sentiment_score":0.4916158691048622}],"sentiment":"positive","sentiment_score":0.6843704570222784,"num_words":27,"start":2686.6199,"end":2695.8389},{"sentences":[{"text":"Thank you very much for your time this morning, James.","start":2695.8389,"end":2697.9187,"sentiment":"positive","sentiment_score":0.8169885277748108},{"text":"I'll talk to you soon.","start":2697.9187,"end":2700.7188,"sentiment":"positive","sentiment_score":0.4751990258693695},{"text":"Thanks.","start":2700.7188,"end":2701.119,"sentiment":"positive","sentiment_score":0.6437627077102661},{"text":"See you later.","start":2701.119,"end":2701.859,"sentiment":"neutral","sentiment_score":0.2907469669977824}],"sentiment":"positive","sentiment_score":0.6348360008315036,"num_words":19,"start":2695.8389,"end":2701.859}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good, darling. How are you? Yeah. Yep. I just turned my computer off, actually. Okay. Yep. Yeah. It sounds good. I've got a buddy. I think it's 12 year old Apple Mac, and she's on fast legs, I think. It takes a while to open up, and a lot of things don't work anymore. Like, if I go to get on well, when I was job hunting, for instance, it's like the machine no longer supports it. It's like, oh, what? I don't I hardly use it. I use my phone more than anything. Yeah. Yeah. Okeydoke. Yep. Absolutely. Yep. James Robert Payne. Fourth of September 1968. Hi, Kevin. Yep. Yep. Yeah. That's correct. Yeah. It only happened a couple of weeks ago, but they've backdated it until I think it was mid April, something like that. Yeah. It was I think it was $300 additional to JobSeeker. Goes goes a long way for them having nothing. I still have nothing, but Yeah. Caden Caden just sent me an email last night, but I actually got one from TAL Group claims the day before. They just wanted some additional information, which I've sent them. Luckily, I had copies of everything. So I've sent that off. The only thing I didn't send off is they wanted my employer to fill out some form, and it's like, well, you know, and I was mainly done back in bloody March last year. You know? And I I've got crook. Started going downhill in October, November. So there's quite a few months in between, and I didn't go on the job seeker until June, early June. So I've said that in my email, and Caden's got a copy of that this morning because I didn't copy him in. I thought he was actually in, and I thought he he wasn't. Yes. Yeah. Yeah. Yeah. I had a follow-up with a cardiologist last week, week before, And that was that was actually my heart my heart dropped. When I first walked in, he said, well, I've got some bad news and some good news. I thought, oh my god. Just the way he said it, you know, shit. The bad news was he couldn't actually determine the cause because the ultrasounds weren't clear. And he said, the ultrasound on your heart, he said they're they're very hit and miss to the best of times. He said that you do have some some reduction in arteries there, so I'm on medication for that one. But, otherwise, I'm stable. I'm gonna go back in three months for that one. Just another follow-up. Yeah. Yeah. I've been keeping him up to date with what's going on. Yeah. I've got my emails up in front of me. So no. I remember not got a tablet out the back, so I've got it. Yeah. Yep. Yeah. It looks like it. Page 19. Alright. All I've got is half a dozen, like, attachments, statement, advice. Oh, some document. Yep. Yeah. Okay. Yep. Got it. Yep. So page 19. This profile. Yep. Got it. Yep. Mhmm. Yep. Okay. Yep. Yeah. Okay. Yep. It stands good. Yep. Okay. Yep. Hang on. I'm just sorry. I have bloody dogs carrying on. Oh, idiot. Someone must have walked past. Sorry, Billy. Yeah. Yeah. Pretty right. Okay. Yep. Yep. Mhmm. Yep. Yeah. Mhmm. Yeah. Okay. Mhmm. Okay. Yep. You're Yeah. Yep. Okay. Oh, you're doing better than what I would. Yep. Okay. Yep. Robert, I can. Okay. Right. Yep. Yes. Yep. No. That's that makes sense. Mhmm. Yeah. Yep. No. That's I'll I'll go over it a bit when we finish your conversation, but, yeah, it makes sense what you're saying. I I really don't follow the share market at all. I should do. I've I've never been a political person either until lately. So yeah. I do see. Yeah. Yes. Backwards. Yeah. That's what I've been worried about. So I I logged on the hub the other day, and I I noticed that it made made quite a lot of good ground, actually. Yeah. Yeah. I thought it was up around $6.20 when I looked the other day. Mhmm. Has it? Yeah. Yep. Come back a bit. Yeah. Okay. Yep. Beautiful. Yes. Mhmm. Okay. Thank you. Yep. Okay. Yep. Yes. Understood. Yep. Yep. Yep. That's fine. Yeah. That's right. Yeah. That's good. Okay. Good. Makes sense. Sure. Very good. Yes. Yeah. No. That's I think that's pretty straightforward and set out set out pretty well, so that's good. Yep. Yeah. Yeah. It would do. Yeah. Yep. Okay. Yes. Yeah. I've I've gotta actually change my wheel because my x is still on it. Yeah. I've I've actually had one in my own MRM who who did my first wheel. So I was gonna get in touch with him and have it changed. Yep. Okay. Okay. Yeah. There's some some that sort of woke me up in December when I when I fell ill. I thought, shit. I better get this changed because, you know, I'm sure my ex would wouldn't just take the benefit of getting it if something did happen, but she would pass it on to the kids, but you never know. Yes. HotSpot. Very messy. Yep. Yeah. Okay. Yep. That's alright. Sounds good. Not what we've discussed so far. No. I'll I'll go through the rest of this document. And if I do have any, I'll click you a quick right? Yeah. Okay. One thing I did discuss with the cardiologist was about the disability support pension. And I didn't even get to say to him that it's been approved and I'm actually honored. He said, oh, I don't go through that. You need to speak to your GP on that. So my authority been approved, but I was about to ask about total permanent disability. He said, oh, yeah. Same thing. I don't get involved with with Centrelink. Alright. So Yeah. It is. She said that you you might have other things going on that I'm not aware about. So I'm not in there to do. Fair enough. He's a specialist. Now I've gotta make one. He's been on leave. I think he's back now. So I'll make one very soon and go back and have a chat to him about it. Yeah. Yep. Yeah. That's right. Yeah. That's right. I was I was just going back through some letters the other day from Centrelink when I was looking for him for the TAL claim. And I was just reading one, I thought, oh, you you pack among those, aren't you? But when I first applied for JobSeeker, they they said, yes. Okay. But we can't pay it until another couple of months down the track or whatever it was because of the amount of money you've got in the bank. Alright. Yeah. You freaking mungled guys. Like, it it was bugger all, and it was basically gone by the time I got my first settlement payment anyway. So they want you to be on the bones of your ass before they give you something. But yeah. So what the challenges are, like, the one facing around here is what a lot of jobs are in the car industry, and you do need to sit for a, cardboard medical on a lot of them, which I I won't I will not pass. So that means going outside of the industry, and I've been out of work now for, what, fifteen months, sixteen months plus my age. So they're all going against me at the moment. So yes. Oh, absolutely. Yeah. Yeah. Okay. Yep. Yeah. I'll tell you what, Dana. I after I lodged a claim on the disability support, well, weeks later, I've got a a phone call saying you've gotta sit for a settling doctor interview, which was on video conference and to allow an hour for the interview. I thought, oh, wow. This is pretty full on. So yeah. So anyway, the next day I did the interview at 08:00, got on, spoke with a doctor. She asked me two questions, and it went for about three minutes, and that was it. And I just thought, wow. Well, this is not gonna get up, is it? But it did, obviously. Yeah. So Yeah. Speaking with the cardiologist, like, with how it all started, he because he's thinking it could be sleep apnea. Because, yeah, I know I know I've got it. I did a test for it. It's part of the menu that I had to do for the cardiologist, but it was in inclusive because I did it at home. You gotta wear all this crap on me, and you just can't sleep with it on you. Oh, gosh. Anyhow, they did say, yeah, look, your heart stopped several times through the night. I'll see what actually stopped. He said, yeah. Under severe circumstances, your heart actually stops, and then you bang get this boost of adrenaline, and your heart bites you up again. So he said, and that's why you may wake up feeling like you've gotta hang out. Yeah. I do sometimes. But I I've gotta go back and have another sleep test, and it's like a big out well, it's not a big out of pocket cost, but it's it's an out of pocket cost that I can't afford at the moment. And so I'll probably get out of the hospital and have another procedure to get the test done, so which is just day surgery. That's that's more important at the moment. So it's so when December, I had to have a blood transfusion because I had no hemoglobin. So they were unable to do a colonoscopy because they didn't wanna put me under because they stand out. I had the heart condition at the same time. So they wouldn't need to anesthetize me. So now that I'm stable, I've been I've already seen the the specialist, and I've just got the paperwork. I've gotta take the hospital and book it in now to have it done. So it's just day surgery. I don't think it even takes an hour in there, but so that's where they get a camera being both ends. No nice way of putting it. Just to see what's going on and make sure everything's right. Yeah. Yep. Fair enough. Yep. Yep. All good. Yeah. Yeah. Three months, I suppose. Yeah. That's probably probably a good one. I see that. Very good. Thanks, Diana. Have a good one. Thanks, Diana. 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Yeah. Good, darling. How are you? Yeah.\n\nYep. I just turned my computer off, actually. Okay. Yep. Yeah.\n\nIt sounds good. I've got a buddy. I think it's 12 year old Apple Mac, and she's on fast legs, I think. It takes a while to open up, and a lot of things don't work anymore. Like, if I go to get on well, when I was job hunting, for instance, it's like the machine no longer supports it.\n\nIt's like, oh, what? I don't I hardly use it. I use my phone more than anything. Yeah. Yeah.\n\nOkeydoke. Yep. Absolutely. Yep. James Robert Payne.\n\nFourth of September 1968. Hi, Kevin. Yep. Yep. Yeah.\n\nThat's correct. Yeah. It only happened a couple of weeks ago, but they've backdated it until I think it was mid April, something like that. Yeah. It was I think it was $300 additional to JobSeeker.\n\nGoes goes a long way for them having nothing. I still have nothing, but Yeah. Caden Caden just sent me an email last night, but I actually got one from TAL Group claims the day before. They just wanted some additional information, which I've sent them. Luckily, I had copies of everything.\n\nSo I've sent that off. The only thing I didn't send off is they wanted my employer to fill out some form, and it's like, well, you know, and I was mainly done back in bloody March last year. You know? And I I've got crook. Started going downhill in October, November.\n\nSo there's quite a few months in between, and I didn't go on the job seeker until June, early June. So I've said that in my email, and Caden's got a copy of that this morning because I didn't copy him in. I thought he was actually in, and I thought he he wasn't. Yes. Yeah.\n\nYeah. Yeah. I had a follow-up with a cardiologist last week, week before, And that was that was actually my heart my heart dropped. When I first walked in, he said, well, I've got some bad news and some good news. I thought, oh my god.\n\nJust the way he said it, you know, shit. The bad news was he couldn't actually determine the cause because the ultrasounds weren't clear. And he said, the ultrasound on your heart, he said they're they're very hit and miss to the best of times. He said that you do have some some reduction in arteries there, so I'm on medication for that one. But, otherwise, I'm stable.\n\nI'm gonna go back in three months for that one. Just another follow-up. Yeah. Yeah. I've been keeping him up to date with what's going on.\n\nYeah. I've got my emails up in front of me. So no. I remember not got a tablet out the back, so I've got it. Yeah.\n\nYep. Yeah. It looks like it. Page 19. Alright.\n\nAll I've got is half a dozen, like, attachments, statement, advice. Oh, some document. Yep. Yeah. Okay.\n\nYep. Got it. Yep. So page 19. This profile.\n\nYep. Got it. Yep. Mhmm. Yep.\n\nOkay. Yep. Yeah. Okay. Yep.\n\nIt stands good. Yep. Okay. Yep. Hang on.\n\nI'm just sorry. I have bloody dogs carrying on. Oh, idiot. Someone must have walked past. Sorry, Billy.\n\nYeah. Yeah. Pretty right. Okay. Yep.\n\nYep. Mhmm. Yep. Yeah. Mhmm.\n\nYeah. Okay. Mhmm. Okay. Yep.\n\nYou're Yeah. Yep. Okay. Oh, you're doing better than what I would. Yep.\n\nOkay. Yep. Robert, I can. Okay. Right.\n\nYep. Yes. Yep. No. That's that makes sense.\n\nMhmm. Yeah. Yep. No. That's I'll I'll go over it a bit when we finish your conversation, but, yeah, it makes sense what you're saying.\n\nI I really don't follow the share market at all. I should do. I've I've never been a political person either until lately. So yeah. I do see.\n\nYeah. Yes. Backwards. Yeah. That's what I've been worried about.\n\nSo I I logged on the hub the other day, and I I noticed that it made made quite a lot of good ground, actually. Yeah. Yeah. I thought it was up around $6.20 when I looked the other day. Mhmm.\n\nHas it? Yeah. Yep. Come back a bit. Yeah.\n\nOkay. Yep. Beautiful. Yes. Mhmm.\n\nOkay. Thank you. Yep. Okay. Yep.\n\nYes. Understood. Yep. Yep. Yep.\n\nThat's fine. Yeah. That's right. Yeah. That's good.\n\nOkay. Good. Makes sense. Sure. Very good.\n\nYes. Yeah. No. That's I think that's pretty straightforward and set out set out pretty well, so that's good. Yep.\n\nYeah. Yeah. It would do. Yeah. Yep.\n\nOkay. Yes. Yeah. I've I've gotta actually change my wheel because my x is still on it. Yeah.\n\nI've I've actually had one in my own MRM who who did my first wheel. So I was gonna get in touch with him and have it changed. Yep. Okay. Okay.\n\nYeah. There's some some that sort of woke me up in December when I when I fell ill. I thought, shit. I better get this changed because, you know, I'm sure my ex would wouldn't just take the benefit of getting it if something did happen, but she would pass it on to the kids, but you never know. Yes.\n\nHotSpot. Very messy. Yep. Yeah. Okay.\n\nYep. That's alright. Sounds good. Not what we've discussed so far. No.\n\nI'll I'll go through the rest of this document. And if I do have any, I'll click you a quick right? Yeah. Okay. One thing I did discuss with the cardiologist was about the disability support pension.\n\nAnd I didn't even get to say to him that it's been approved and I'm actually honored. He said, oh, I don't go through that. You need to speak to your GP on that. So my authority been approved, but I was about to ask about total permanent disability. He said, oh, yeah.\n\nSame thing. I don't get involved with with Centrelink. Alright. So Yeah. It is.\n\nShe said that you you might have other things going on that I'm not aware about. So I'm not in there to do. Fair enough. He's a specialist. Now I've gotta make one.\n\nHe's been on leave. I think he's back now. So I'll make one very soon and go back and have a chat to him about it. Yeah. Yep.\n\nYeah. That's right. Yeah. That's right. I was I was just going back through some letters the other day from Centrelink when I was looking for him for the TAL claim.\n\nAnd I was just reading one, I thought, oh, you you pack among those, aren't you? But when I first applied for JobSeeker, they they said, yes. Okay. But we can't pay it until another couple of months down the track or whatever it was because of the amount of money you've got in the bank. Alright.\n\nYeah. You freaking mungled guys. Like, it it was bugger all, and it was basically gone by the time I got my first settlement payment anyway. So they want you to be on the bones of your ass before they give you something. But yeah.\n\nSo what the challenges are, like, the one facing around here is what a lot of jobs are in the car industry, and you do need to sit for a, cardboard medical on a lot of them, which I I won't I will not pass. So that means going outside of the industry, and I've been out of work now for, what, fifteen months, sixteen months plus my age. So they're all going against me at the moment. So yes. Oh, absolutely.\n\nYeah. Yeah. Okay. Yep. Yeah.\n\nI'll tell you what, Dana. I after I lodged a claim on the disability support, well, weeks later, I've got a a phone call saying you've gotta sit for a settling doctor interview, which was on video conference and to allow an hour for the interview. I thought, oh, wow. This is pretty full on. So yeah.\n\nSo anyway, the next day I did the interview at 08:00, got on, spoke with a doctor. She asked me two questions, and it went for about three minutes, and that was it. And I just thought, wow. Well, this is not gonna get up, is it? But it did, obviously.\n\nYeah. So Yeah. Speaking with the cardiologist, like, with how it all started, he because he's thinking it could be sleep apnea. Because, yeah, I know I know I've got it. I did a test for it.\n\nIt's part of the menu that I had to do for the cardiologist, but it was in inclusive because I did it at home. You gotta wear all this crap on me, and you just can't sleep with it on you. Oh, gosh. Anyhow, they did say, yeah, look, your heart stopped several times through the night. I'll see what actually stopped.\n\nHe said, yeah. Under severe circumstances, your heart actually stops, and then you bang get this boost of adrenaline, and your heart bites you up again. So he said, and that's why you may wake up feeling like you've gotta hang out. Yeah. I do sometimes.\n\nBut I I've gotta go back and have another sleep test, and it's like a big out well, it's not a big out of pocket cost, but it's it's an out of pocket cost that I can't afford at the moment. And so I'll probably get out of the hospital and have another procedure to get the test done, so which is just day surgery. That's that's more important at the moment. So it's so when December, I had to have a blood transfusion because I had no hemoglobin. So they were unable to do a colonoscopy because they didn't wanna put me under because they stand out.\n\nI had the heart condition at the same time. So they wouldn't need to anesthetize me. So now that I'm stable, I've been I've already seen the the specialist, and I've just got the paperwork. I've gotta take the hospital and book it in now to have it done. So it's just day surgery.\n\nI don't think it even takes an hour in there, but so that's where they get a camera being both ends. No nice way of putting it. Just to see what's going on and make sure everything's right. Yeah. Yep.\n\nFair enough. Yep. Yep. All good. Yeah.\n\nYeah. Three months, I suppose. Yeah. That's probably probably a good one. I see that.\n\nVery good. Thanks, Diana. Have a good one. Thanks, Diana. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.03836512565612793},{"text":"Yeah.","start":10.559999,"end":10.8,"sentiment":"neutral","sentiment_score":0.33048170804977417},{"text":"Good, darling.","start":10.8,"end":11.5199995,"sentiment":"positive","sentiment_score":0.725197970867157},{"text":"How are you?","start":11.5199995,"end":12.259999,"sentiment":"positive","sentiment_score":0.5372647146383921},{"text":"Yeah.","start":19.505001,"end":19.985,"sentiment":"neutral","sentiment_score":0.12989912927150726}],"sentiment":"positive","sentiment_score":0.44511700607836246,"num_words":8,"start":0.56,"end":19.985},{"sentences":[{"text":"Yep.","start":19.985,"end":20.485,"sentiment":"neutral","sentiment_score":0.104318767786026},{"text":"I just turned my computer off, actually.","start":25.89,"end":29.509998,"sentiment":"neutral","sentiment_score":-0.054833599499293735},{"text":"Okay.","start":36.29,"end":36.77,"sentiment":"neutral","sentiment_score":0.17777608335018158},{"text":"Yep.","start":36.77,"end":37.27,"sentiment":"neutral","sentiment_score":0.10877907276153564},{"text":"Yeah.","start":46.005,"end":46.405,"sentiment":"neutral","sentiment_score":0.25436556339263916}],"sentiment":"neutral","sentiment_score":0.023764026435938748,"num_words":11,"start":19.985,"end":46.405},{"sentences":[{"text":"It sounds good.","start":46.405,"end":47.205,"sentiment":"positive","sentiment_score":0.42865366737047833},{"text":"I've got a buddy.","start":47.205,"end":48.505,"sentiment":"neutral","sentiment_score":0.06584101542830467},{"text":"I think it's 12 year old Apple Mac, and she's on fast legs, I think.","start":48.885002,"end":53.465,"sentiment":"neutral","sentiment_score":0.002526977782448133},{"text":"It takes a while to open up, and a lot of things don't work anymore.","start":57.6,"end":62.96,"sentiment":"neutral","sentiment_score":-0.17841885834932328},{"text":"Like, if I go to get on well, when I was job hunting, for instance, it's like the machine no longer supports it.","start":62.96,"end":71.325,"sentiment":"neutral","sentiment_score":-0.10242015706456226}],"sentiment":"neutral","sentiment_score":-0.05741194595272343,"num_words":60,"start":46.405,"end":71.325},{"sentences":[{"text":"It's like, oh, what?","start":71.625,"end":72.84499,"sentiment":"neutral","sentiment_score":-0.05855360999703407},{"text":"I don't I hardly use it.","start":75.305,"end":76.744995,"sentiment":"neutral","sentiment_score":-0.16834454983472824},{"text":"I use my phone more than anything.","start":76.744995,"end":78.585,"sentiment":"neutral","sentiment_score":-0.10155911317893437},{"text":"Yeah.","start":78.585,"end":79.085,"sentiment":"neutral","sentiment_score":0.04482313245534897},{"text":"Yeah.","start":82.825,"end":83.325,"sentiment":"neutral","sentiment_score":0.0984872505068779}],"sentiment":"neutral","sentiment_score":-0.09536237622562208,"num_words":19,"start":71.625,"end":83.325},{"sentences":[{"text":"Okeydoke.","start":104.075005,"end":104.575005,"sentiment":"neutral","sentiment_score":0.2448844313621521},{"text":"Yep.","start":114.5,"end":115.0,"sentiment":"neutral","sentiment_score":0.22463056445121765},{"text":"Absolutely.","start":115.14,"end":115.64,"sentiment":"positive","sentiment_score":0.5179187059402466},{"text":"Yep.","start":115.86,"end":116.36,"sentiment":"positive","sentiment_score":0.41685089468955994},{"text":"James Robert Payne.","start":125.564995,"end":127.024994,"sentiment":"neutral","sentiment_score":0.018608355584243935}],"sentiment":"neutral","sentiment_score":0.20858709474227258,"num_words":7,"start":104.075005,"end":127.024994},{"sentences":[{"text":"Fourth of September 1968.","start":127.244995,"end":129.505,"sentiment":"neutral","sentiment_score":0.0190515520516783},{"text":"Hi, Kevin.","start":153.725,"end":154.38501,"sentiment":"neutral","sentiment_score":0.14250700920820236},{"text":"Yep.","start":179.48001,"end":179.98001,"sentiment":"neutral","sentiment_score":0.029241925105452538},{"text":"Yep.","start":193.575,"end":194.075,"sentiment":"neutral","sentiment_score":0.022092346101999283},{"text":"Yeah.","start":198.59999,"end":198.84,"sentiment":"neutral","sentiment_score":0.054505471140146255}],"sentiment":"neutral","sentiment_score":0.05189555210785733,"num_words":9,"start":127.244995,"end":198.84},{"sentences":[{"text":"That's correct.","start":198.84,"end":199.72,"sentiment":"neutral","sentiment_score":0.08243588730692863},{"text":"Yeah.","start":199.72,"end":200.12,"sentiment":"neutral","sentiment_score":-0.00911253597587347},{"text":"It only happened a couple of weeks ago, but they've backdated it until I think it was mid April, something like that.","start":200.12,"end":207.65999,"sentiment":"neutral","sentiment_score":0.13307283907620746},{"text":"Yeah.","start":214.575,"end":215.05501,"sentiment":"neutral","sentiment_score":0.051033150404691696},{"text":"It was I think it was $300 additional to JobSeeker.","start":215.05501,"end":221.475,"sentiment":"neutral","sentiment_score":0.05531754903495312}],"sentiment":"neutral","sentiment_score":0.10243250941857696,"num_words":36,"start":198.84,"end":221.475},{"sentences":[{"text":"Goes goes a long way for them having nothing.","start":223.375,"end":226.255,"sentiment":"neutral","sentiment_score":-0.007143110657731692},{"text":"I still have nothing, but Yeah.","start":226.255,"end":243.41501,"sentiment":"neutral","sentiment_score":-0.051751887115339436},{"text":"Caden Caden just sent me an email last night, but I actually got one from TAL Group claims the day before.","start":243.475,"end":251.41501,"sentiment":"neutral","sentiment_score":-0.007563805473702294},{"text":"They just wanted some additional information, which I've sent them.","start":251.63501,"end":256.37,"sentiment":"neutral","sentiment_score":0.00263766897842288},{"text":"Luckily, I had copies of everything.","start":256.37,"end":258.31,"sentiment":"neutral","sentiment_score":0.08272430797417958}],"sentiment":"neutral","sentiment_score":-0.0002099364601935329,"num_words":52,"start":223.375,"end":258.31},{"sentences":[{"text":"So I've sent that off.","start":260.13,"end":261.57,"sentiment":"neutral","sentiment_score":0.028154431283473967},{"text":"The only thing I didn't send off is they wanted my employer to fill out some form, and it's like, well, you know, and I was mainly done back in bloody March last year.","start":261.57,"end":274.865,"sentiment":"neutral","sentiment_score":-0.05794469957404277},{"text":"You know?","start":275.885,"end":276.285,"sentiment":"neutral","sentiment_score":-0.0450215470045805},{"text":"And I I've got crook.","start":276.285,"end":277.665,"sentiment":"neutral","sentiment_score":-0.13675378933548926},{"text":"Started going downhill in October, November.","start":278.845,"end":282.785,"sentiment":"neutral","sentiment_score":-0.14882907271385193}],"sentiment":"neutral","sentiment_score":-0.06723334819365007,"num_words":52,"start":260.13,"end":282.785},{"sentences":[{"text":"So there's quite a few months in between, and I didn't go on the job seeker until June, early June.","start":285.04,"end":291.54,"sentiment":"neutral","sentiment_score":-0.06189734190702438},{"text":"So I've said that in my email, and Caden's got a copy of that this morning because I didn't copy him in.","start":292.96002,"end":298.995,"sentiment":"neutral","sentiment_score":-0.02574088938788257},{"text":"I thought he was actually in, and I thought he he wasn't.","start":298.995,"end":301.495,"sentiment":"neutral","sentiment_score":-0.10332866447667281},{"text":"Yes.","start":313.88998,"end":314.38998,"sentiment":"neutral","sentiment_score":-0.021356910467147827},{"text":"Yeah.","start":333.535,"end":334.035,"sentiment":"neutral","sentiment_score":0.06569032371044159}],"sentiment":"neutral","sentiment_score":-0.05356887437769079,"num_words":56,"start":285.04,"end":334.035},{"sentences":[{"text":"Yeah.","start":360.985,"end":361.485,"sentiment":"neutral","sentiment_score":0.18031692504882812},{"text":"Yeah.","start":366.46,"end":366.96,"sentiment":"neutral","sentiment_score":0.061786167323589325},{"text":"I had a follow-up with a cardiologist last week, week before, And that was that was actually my heart my heart dropped.","start":367.5,"end":380.315,"sentiment":"neutral","sentiment_score":-0.11771224511109969},{"text":"When I first walked in, he said, well, I've got some bad news and some good news.","start":381.975,"end":387.335,"sentiment":"neutral","sentiment_score":-0.3181479310288149},{"text":"I thought, oh my god.","start":387.335,"end":388.475,"sentiment":"negative","sentiment_score":-0.3879480242729187}],"sentiment":"neutral","sentiment_score":-0.21077872280274396,"num_words":46,"start":360.985,"end":388.475},{"sentences":[{"text":"Just the way he said it, you know, shit.","start":389.62997,"end":392.21,"sentiment":"negative","sentiment_score":-0.37878335846794975},{"text":"The bad news was he couldn't actually determine the cause because the ultrasounds weren't clear.","start":393.78998,"end":400.50998,"sentiment":"negative","sentiment_score":-0.5272804915904998},{"text":"And he said, the ultrasound on your heart, he said they're they're very hit and miss to the best of times.","start":400.50998,"end":406.605,"sentiment":"negative","sentiment_score":-0.45298841027986436},{"text":"He said that you do have some some reduction in arteries there, so I'm on medication for that one.","start":406.605,"end":413.345,"sentiment":"neutral","sentiment_score":-0.12896346026345304},{"text":"But, otherwise, I'm stable.","start":417.0,"end":419.34,"sentiment":"neutral","sentiment_score":0.14381527714431286}],"sentiment":"negative","sentiment_score":-0.33391263018197875,"num_words":68,"start":389.62997,"end":419.34},{"sentences":[{"text":"I'm gonna go back in three months for that one.","start":419.47998,"end":421.9,"sentiment":"neutral","sentiment_score":0.1262808062136173},{"text":"Just another follow-up.","start":422.12,"end":423.34,"sentiment":"neutral","sentiment_score":0.05944685762127241},{"text":"Yeah.","start":429.225,"end":429.725,"sentiment":"neutral","sentiment_score":-0.048303864896297455},{"text":"Yeah.","start":438.745,"end":439.145,"sentiment":"neutral","sentiment_score":0.08018670976161957},{"text":"I've been keeping him up to date with what's going on.","start":439.145,"end":442.2,"sentiment":"neutral","sentiment_score":0.09943259134888649}],"sentiment":"neutral","sentiment_score":0.09872269171934861,"num_words":26,"start":419.47998,"end":442.2},{"sentences":[{"text":"Yeah.","start":445.48,"end":445.72,"sentiment":"neutral","sentiment_score":0.2206742763519287},{"text":"I've got my emails up in front of me.","start":445.72,"end":447.96002,"sentiment":"neutral","sentiment_score":0.15849238468541038},{"text":"So no.","start":447.96002,"end":450.76,"sentiment":"neutral","sentiment_score":0.20955173671245575},{"text":"I remember not got a tablet out the back, so I've got it.","start":450.76,"end":455.18002,"sentiment":"neutral","sentiment_score":0.05601127854046913},{"text":"Yeah.","start":463.85498,"end":464.35498,"sentiment":"neutral","sentiment_score":0.029400281608104702}],"sentiment":"neutral","sentiment_score":0.10860600440691297,"num_words":26,"start":445.48,"end":464.35498},{"sentences":[{"text":"Yep.","start":466.495,"end":466.995,"sentiment":"neutral","sentiment_score":0.13899444043636322},{"text":"Yeah.","start":478.81,"end":479.21,"sentiment":"neutral","sentiment_score":0.028774086385965347},{"text":"It looks like it.","start":479.21,"end":480.35,"sentiment":"neutral","sentiment_score":0.013406803598627448},{"text":"Page 19.","start":493.305,"end":494.445,"sentiment":"neutral","sentiment_score":-0.0032811234705150127},{"text":"Alright.","start":494.665,"end":495.065,"sentiment":"neutral","sentiment_score":0.01191747933626175}],"sentiment":"neutral","sentiment_score":0.025194552623563342,"num_words":9,"start":466.495,"end":495.065},{"sentences":[{"text":"All I've got is half a dozen, like, attachments, statement, advice.","start":495.065,"end":513.17,"sentiment":"neutral","sentiment_score":0.017276431518522175},{"text":"Oh, some document.","start":513.17,"end":514.23,"sentiment":"neutral","sentiment_score":0.015753196862836678},{"text":"Yep.","start":514.29,"end":514.755,"sentiment":"neutral","sentiment_score":0.04243701323866844},{"text":"Yeah.","start":518.515,"end":518.915,"sentiment":"neutral","sentiment_score":0.025595173239707947},{"text":"Okay.","start":518.915,"end":519.315,"sentiment":"neutral","sentiment_score":0.06639334559440613}],"sentiment":"neutral","sentiment_score":0.02186622760970803,"num_words":17,"start":495.065,"end":519.315},{"sentences":[{"text":"Yep.","start":519.315,"end":519.795,"sentiment":"neutral","sentiment_score":0.08848506212234497},{"text":"Got it.","start":519.795,"end":520.455,"sentiment":"neutral","sentiment_score":0.133209727704525},{"text":"Yep.","start":524.355,"end":524.855,"sentiment":"neutral","sentiment_score":0.06657204031944275},{"text":"So page 19.","start":529.62,"end":531.16003,"sentiment":"neutral","sentiment_score":0.017813314373294514},{"text":"This profile.","start":540.26,"end":541.16003,"sentiment":"neutral","sentiment_score":0.1234697178006172}],"sentiment":"neutral","sentiment_score":0.08020621517466174,"num_words":9,"start":519.315,"end":541.16003},{"sentences":[{"text":"Yep.","start":553.15497,"end":553.65497,"sentiment":"neutral","sentiment_score":0.1146974265575409},{"text":"Got it.","start":556.035,"end":556.515,"sentiment":"neutral","sentiment_score":0.08743806555867195},{"text":"Yep.","start":556.515,"end":557.015,"sentiment":"positive","sentiment_score":0.4504941701889038},{"text":"Mhmm.","start":573.26495,"end":573.76495,"sentiment":"neutral","sentiment_score":0.07622368633747101},{"text":"Yep.","start":602.28,"end":602.78,"sentiment":"neutral","sentiment_score":0.21897530555725095}],"sentiment":"neutral","sentiment_score":0.1725444532930851,"num_words":6,"start":553.15497,"end":602.78},{"sentences":[{"text":"Okay.","start":629.15,"end":629.63,"sentiment":"neutral","sentiment_score":0.039067041128873825},{"text":"Yep.","start":629.63,"end":630.13,"sentiment":"neutral","sentiment_score":0.022313829511404037},{"text":"Yeah.","start":637.005,"end":637.505,"sentiment":"neutral","sentiment_score":0.005470346659421921},{"text":"Okay.","start":662.655,"end":663.135,"sentiment":"neutral","sentiment_score":0.08839504420757294},{"text":"Yep.","start":663.135,"end":663.635,"sentiment":"neutral","sentiment_score":0.09620200842618942}],"sentiment":"neutral","sentiment_score":0.050289653986692426,"num_words":5,"start":629.15,"end":663.635},{"sentences":[{"text":"It 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going on that I'm not aware about.","start":2139.17,"end":2143.33,"sentiment":"neutral","sentiment_score":-0.061089837457984686},{"text":"So I'm not in there to do.","start":2143.33,"end":2145.49,"sentiment":"neutral","sentiment_score":-0.06881607909287725},{"text":"Fair enough.","start":2145.49,"end":2146.23,"sentiment":"neutral","sentiment_score":-0.01634110603481531},{"text":"He's a specialist.","start":2148.5051,"end":2149.245,"sentiment":"neutral","sentiment_score":-0.03043318601946036},{"text":"Now I've gotta make one.","start":2152.5051,"end":2153.945,"sentiment":"neutral","sentiment_score":-0.030253588780760766}],"sentiment":"neutral","sentiment_score":-0.052557565666960945,"num_words":33,"start":2139.17,"end":2153.945},{"sentences":[{"text":"He's been on leave.","start":2153.945,"end":2155.225,"sentiment":"neutral","sentiment_score":-0.06305798795074224},{"text":"I think he's back now.","start":2155.225,"end":2156.665,"sentiment":"neutral","sentiment_score":-0.04399053379893303},{"text":"So I'll make one very soon and go back and have a chat to him about it.","start":2156.665,"end":2169.5977,"sentiment":"neutral","sentiment_score":0.01096549043979715},{"text":"Yeah.","start":2195.8198,"end":2196.22,"sentiment":"neutral","sentiment_score":0.24710027873516083},{"text":"Yep.","start":2196.22,"end":2196.72,"sentiment":"positive","sentiment_score":0.4110078811645508}],"sentiment":"neutral","sentiment_score":0.013297745592093893,"num_words":28,"start":2153.945,"end":2196.72},{"sentences":[{"text":"Yeah.","start":2225.19,"end":2225.43,"sentiment":"neutral","sentiment_score":0.08414027839899063},{"text":"That's right.","start":2225.43,"end":2226.25,"sentiment":"neutral","sentiment_score":0.06309013813734055},{"text":"Yeah.","start":2241.625,"end":2242.025,"sentiment":"neutral","sentiment_score":0.07168269157409668},{"text":"That's right.","start":2242.025,"end":2242.925,"sentiment":"neutral","sentiment_score":0.07414314895868301},{"text":"I was I was just going back through some letters the other day from Centrelink when I was looking for him for the TAL claim.","start":2243.625,"end":2252.0598,"sentiment":"neutral","sentiment_score":-0.0052402175962924956}],"sentiment":"neutral","sentiment_score":0.009654325943800711,"num_words":31,"start":2225.19,"end":2252.0598},{"sentences":[{"text":"And I was just reading one, I thought, oh, you you pack among those, aren't you?","start":2252.5999,"end":2256.8398,"sentiment":"neutral","sentiment_score":-0.017644739127717912},{"text":"But when I first applied for JobSeeker, they they said, yes.","start":2256.8398,"end":2263.425,"sentiment":"neutral","sentiment_score":-0.041703955863009796},{"text":"Okay.","start":2263.425,"end":2263.8252,"sentiment":"neutral","sentiment_score":-0.09810301661491394},{"text":"But we can't pay it until another couple of months down the track or whatever it was because of the amount of money you've got in the bank.","start":2263.8252,"end":2271.925,"sentiment":"neutral","sentiment_score":-0.17679843599242823},{"text":"Alright.","start":2272.145,"end":2272.645,"sentiment":"neutral","sentiment_score":-0.03261994570493698}],"sentiment":"neutral","sentiment_score":-0.10214278088849887,"num_words":57,"start":2252.5999,"end":2272.645},{"sentences":[{"text":"Yeah.","start":2273.905,"end":2274.225,"sentiment":"neutral","sentiment_score":-0.15415018796920776},{"text":"You freaking mungled guys.","start":2274.225,"end":2275.8452,"sentiment":"negative","sentiment_score":-0.41972731426358223},{"text":"Like, it it was bugger all, and it was basically gone by the time I got my first settlement payment anyway.","start":2276.21,"end":2283.25,"sentiment":"negative","sentiment_score":-0.39629878884270076},{"text":"So they want you to be on the bones of your ass before they give you something.","start":2283.25,"end":2287.3499,"sentiment":"neutral","sentiment_score":-0.2579914769705604},{"text":"But yeah.","start":2292.6948,"end":2293.815,"sentiment":"neutral","sentiment_score":-0.2950008288025856}],"sentiment":"negative","sentiment_score":-0.33624868392944335,"num_words":45,"start":2273.905,"end":2293.815},{"sentences":[{"text":"So what the challenges are, like, the one facing around here is what a lot of jobs are in the car industry, and you do need to sit for a, cardboard medical on a lot of them, which I I won't I will not pass.","start":2293.815,"end":2313.03,"sentiment":"neutral","sentiment_score":-0.16961998674604628},{"text":"So that means going outside of the industry, and I've been out of work now for, what, fifteen months, sixteen months plus my age.","start":2315.2551,"end":2329.5952,"sentiment":"neutral","sentiment_score":-0.1900388061379393},{"text":"So they're all going against me at the moment.","start":2331.8098,"end":2333.99,"sentiment":"neutral","sentiment_score":-0.32009530978070366},{"text":"So yes.","start":2334.13,"end":2340.8699,"sentiment":"neutral","sentiment_score":0.06001271307468414},{"text":"Oh, absolutely.","start":2349.775,"end":2350.675,"sentiment":"neutral","sentiment_score":-0.16635190695524216}],"sentiment":"neutral","sentiment_score":-0.18643130398378138,"num_words":82,"start":2293.815,"end":2350.675},{"sentences":[{"text":"Yeah.","start":2350.9749,"end":2351.4749,"sentiment":"neutral","sentiment_score":0.04102861508727074},{"text":"Yeah.","start":2365.8298,"end":2366.23,"sentiment":"neutral","sentiment_score":0.02341402508318424},{"text":"Okay.","start":2366.23,"end":2366.71,"sentiment":"neutral","sentiment_score":0.048514172434806824},{"text":"Yep.","start":2366.71,"end":2367.21,"sentiment":"neutral","sentiment_score":0.10260312259197236},{"text":"Yeah.","start":2395.5,"end":2396.0,"sentiment":"neutral","sentiment_score":0.06869654357433319}],"sentiment":"neutral","sentiment_score":0.05685129575431347,"num_words":5,"start":2350.9749,"end":2396.0},{"sentences":[{"text":"I'll tell you what, Dana.","start":2399.915,"end":2400.955,"sentiment":"neutral","sentiment_score":0.2978023111820221},{"text":"I after I lodged a claim on the disability support, well, weeks later, I've got a a phone call saying you've gotta sit for a settling doctor interview, which was on video conference and to allow an hour for the interview.","start":2400.955,"end":2424.865,"sentiment":"neutral","sentiment_score":0.01625083723082775},{"text":"I thought, oh, wow.","start":2426.205,"end":2427.2449,"sentiment":"neutral","sentiment_score":0.00899548502638936},{"text":"This is pretty full on.","start":2427.2449,"end":2429.345,"sentiment":"neutral","sentiment_score":-0.041948432475328444},{"text":"So yeah.","start":2429.405,"end":2430.465,"sentiment":"neutral","sentiment_score":0.029325446113944054}],"sentiment":"neutral","sentiment_score":0.0357927465321202,"num_words":57,"start":2399.915,"end":2430.465},{"sentences":[{"text":"So anyway, the next day I did the interview at 08:00, got on, spoke with a doctor.","start":2431.005,"end":2437.42,"sentiment":"neutral","sentiment_score":0.008271401939804064},{"text":"She asked me two questions, and it went for about three minutes, and that was it.","start":2437.5598,"end":2441.98,"sentiment":"neutral","sentiment_score":-0.004447936895303428},{"text":"And I just thought, wow.","start":2443.3198,"end":2444.8398,"sentiment":"neutral","sentiment_score":-0.010732144117355347},{"text":"Well, this is not gonna get up, is it?","start":2444.8398,"end":2447.02,"sentiment":"neutral","sentiment_score":-0.11950059317880207},{"text":"But it did, obviously.","start":2447.7998,"end":2449.02,"sentiment":"neutral","sentiment_score":-0.015309945214539766}],"sentiment":"neutral","sentiment_score":-0.021979588184359612,"num_words":51,"start":2431.005,"end":2449.02},{"sentences":[{"text":"Yeah.","start":2449.0798,"end":2449.5598,"sentiment":"neutral","sentiment_score":0.024544883519411087},{"text":"So Yeah.","start":2449.5598,"end":2476.8098,"sentiment":"neutral","sentiment_score":0.019012028351426125},{"text":"Speaking with the cardiologist, like, with how it all started, he because he's thinking it could be sleep apnea.","start":2478.565,"end":2487.465,"sentiment":"neutral","sentiment_score":-0.04470296968754969},{"text":"Because, yeah, I know I know I've got it.","start":2489.605,"end":2493.56,"sentiment":"neutral","sentiment_score":-0.04411377799179819},{"text":"I did a test for it.","start":2493.56,"end":2495.08,"sentiment":"neutral","sentiment_score":-0.031678348469237484}],"sentiment":"neutral","sentiment_score":-0.03713193450223755,"num_words":37,"start":2449.0798,"end":2495.08},{"sentences":[{"text":"It's part of the menu that I had to do for the cardiologist, but it was in inclusive because I did it at home.","start":2495.08,"end":2501.5,"sentiment":"neutral","sentiment_score":-0.058496217941865325},{"text":"You gotta wear all this crap on me, and you just can't sleep with it on you.","start":2501.8801,"end":2505.82,"sentiment":"negative","sentiment_score":-0.37813809514045715},{"text":"Oh, gosh.","start":2508.4949,"end":2509.055,"sentiment":"neutral","sentiment_score":-0.10837558656930923},{"text":"Anyhow, they did say, yeah, look, your heart stopped several times through the night.","start":2509.055,"end":2515.395,"sentiment":"neutral","sentiment_score":-0.12836287942315852},{"text":"I'll see what actually stopped.","start":2516.895,"end":2518.53,"sentiment":"neutral","sentiment_score":-0.03978533670306206}],"sentiment":"neutral","sentiment_score":-0.1620163712350111,"num_words":62,"start":2495.08,"end":2518.53},{"sentences":[{"text":"He said, yeah.","start":2518.53,"end":2519.41,"sentiment":"neutral","sentiment_score":-0.03547956111530463},{"text":"Under severe circumstances, your heart actually stops, and then you bang get this boost of adrenaline, and your heart bites you up again.","start":2519.41,"end":2529.35,"sentiment":"neutral","sentiment_score":-0.2751790745102841},{"text":"So he said, and that's why you may wake up feeling like you've gotta hang out.","start":2531.01,"end":2536.115,"sentiment":"neutral","sentiment_score":-0.3225464001297951},{"text":"Yeah.","start":2536.975,"end":2537.215,"sentiment":"neutral","sentiment_score":-0.09768493473529816},{"text":"I do sometimes.","start":2537.215,"end":2538.195,"sentiment":"neutral","sentiment_score":-0.10366443172097206}],"sentiment":"neutral","sentiment_score":-0.2609777832403779,"num_words":46,"start":2518.53,"end":2538.195},{"sentences":[{"text":"But I I've gotta go back and have another sleep test, and it's like a big out well, it's not a big out of pocket cost, but it's it's an out of pocket cost that I can't afford at the moment.","start":2539.455,"end":2550.19,"sentiment":"neutral","sentiment_score":-0.3180463826510964},{"text":"And so I'll probably get out of the hospital and have another procedure to get the test done, so which is just day surgery.","start":2552.25,"end":2561.15,"sentiment":"neutral","sentiment_score":-0.06979881956552465},{"text":"That's that's more important at the moment.","start":2562.645,"end":2564.645,"sentiment":"neutral","sentiment_score":-0.08951918621148382},{"text":"So it's so when December, I had to have a blood transfusion because I had no hemoglobin.","start":2564.645,"end":2577.545,"sentiment":"neutral","sentiment_score":-0.060821511180085296},{"text":"So they were unable to do a colonoscopy because they didn't wanna put me under because they stand out.","start":2578.14,"end":2585.3398,"sentiment":"neutral","sentiment_score":-0.23960287790549428}],"sentiment":"neutral","sentiment_score":-0.1937789632593868,"num_words":108,"start":2539.455,"end":2585.3398},{"sentences":[{"text":"I had the heart condition at the same time.","start":2585.3398,"end":2587.76,"sentiment":"neutral","sentiment_score":-0.12057077719105615},{"text":"So they wouldn't need to anesthetize me.","start":2589.0198,"end":2592.0,"sentiment":"neutral","sentiment_score":-0.10286576247641019},{"text":"So now that I'm stable, I've been I've already seen the the specialist, and I've just got the paperwork.","start":2593.4348,"end":2602.555,"sentiment":"neutral","sentiment_score":0.04494256183112923},{"text":"I've gotta take the hospital and book it in now to have it done.","start":2602.555,"end":2606.33,"sentiment":"neutral","sentiment_score":0.009144144964271359},{"text":"So it's just day surgery.","start":2609.03,"end":2611.9102,"sentiment":"neutral","sentiment_score":-0.0034761834889650346}],"sentiment":"neutral","sentiment_score":-0.015567621207554583,"num_words":54,"start":2585.3398,"end":2611.9102},{"sentences":[{"text":"I don't think it even takes an hour in there, but so that's where they get a camera being both ends.","start":2611.9102,"end":2622.4749,"sentiment":"neutral","sentiment_score":-0.05711983765165011},{"text":"No nice way of putting it.","start":2624.375,"end":2625.9148,"sentiment":"negative","sentiment_score":-0.40462714433670044},{"text":"Just to see what's going on and make sure everything's right.","start":2627.9749,"end":2630.9548,"sentiment":"neutral","sentiment_score":0.055695840242234146},{"text":"Yeah.","start":2645.3098,"end":2645.7898,"sentiment":"neutral","sentiment_score":0.14999352395534515},{"text":"Yep.","start":2645.7898,"end":2646.225,"sentiment":"neutral","sentiment_score":0.15746434032917023}],"sentiment":"neutral","sentiment_score":-0.0676791837438941,"num_words":40,"start":2611.9102,"end":2646.225},{"sentences":[{"text":"Fair enough.","start":2647.0251,"end":2647.7651,"sentiment":"neutral","sentiment_score":0.23752856254577637},{"text":"Yep.","start":2660.0652,"end":2660.5652,"sentiment":"neutral","sentiment_score":0.1153453141450882},{"text":"Yep.","start":2660.705,"end":2661.185,"sentiment":"neutral","sentiment_score":0.1764967143535614},{"text":"All good.","start":2661.185,"end":2661.87,"sentiment":"neutral","sentiment_score":0.2874734550714493},{"text":"Yeah.","start":2667.7102,"end":2668.03,"sentiment":"neutral","sentiment_score":0.10303378105163574}],"sentiment":"neutral","sentiment_score":0.20641140639781952,"num_words":7,"start":2647.0251,"end":2668.03},{"sentences":[{"text":"Yeah.","start":2668.03,"end":2668.53,"sentiment":"neutral","sentiment_score":0.05571788176894188},{"text":"Three months, I suppose.","start":2668.6702,"end":2670.11,"sentiment":"neutral","sentiment_score":0.03466604929417372},{"text":"Yeah.","start":2670.11,"end":2670.35,"sentiment":"neutral","sentiment_score":0.0329621359705925},{"text":"That's probably probably a good one.","start":2670.35,"end":2672.77,"sentiment":"neutral","sentiment_score":0.2093234577526649},{"text":"I see that.","start":2683.175,"end":2684.075,"sentiment":"neutral","sentiment_score":0.25278712809085846}],"sentiment":"neutral","sentiment_score":0.14944308971365292,"num_words":15,"start":2668.03,"end":2684.075},{"sentences":[{"text":"Very good.","start":2684.2952,"end":2685.195,"sentiment":"positive","sentiment_score":0.7456623613834381},{"text":"Thanks, Diana.","start":2692.21,"end":2693.19,"sentiment":"positive","sentiment_score":0.6488178819417953},{"text":"Have a good one.","start":2693.33,"end":2694.39,"sentiment":"positive","sentiment_score":0.7315066754817963},{"text":"Thanks, Diana.","start":2699.219,"end":2699.869,"sentiment":"positive","sentiment_score":0.6347497701644897},{"text":"Bye.","start":2699.869,"end":2700.369,"sentiment":"positive","sentiment_score":0.3979220390319824}],"sentiment":"positive","sentiment_score":0.6711280698126013,"num_words":11,"start":2684.2952,"end":2700.369}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, James. It's Dana from Oakview Financial. How are you this morning?\n\nChannel 1: Yeah. Good, darling. How are you?\n\nChannel 0: I'm very well. Thank you. I just had to go through your updated advice document. Is now still a good time there for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Fantastic. Do you happen to have access to your email here at the moment as well?\n\nChannel 1: I just turned\n\nChannel 0: It's\n\nChannel 1: my computer off, actually.\n\nChannel 0: that's okay. If you don't, that's absolutely fine. I can email it through, and I can run you through the recommendations. They're honestly\n\nChannel 1: Okay.\n\nChannel 0: not too\n\nChannel 1: Yep.\n\nChannel 0: difficult. And then you're welcome to take some time to have a little read of them later when you've got your computer back on, and you've got maybe a cup of tea or coffee in front of you. How does that sound?\n\nChannel 1: Yeah. It sounds good. I've got a buddy. I think it's 12 year old Apple Mac, and she's on fast legs, I think.\n\nChannel 0: Sounds like she's struggling a bit. She's pulling it along\n\nChannel 1: It\n\nChannel 0: for you.\n\nChannel 1: takes a while to open up, and a lot of things don't work anymore. Like, if I go to get on well, when I was job hunting, for instance, it's like\n\nChannel 0: Yeah.\n\nChannel 1: the machine no longer supports it. It's like,\n\nChannel 0: Yeah.\n\nChannel 1: oh, what?\n\nChannel 0: Oh, wow. Oh,\n\nChannel 1: I don't I hardly\n\nChannel 0: well.\n\nChannel 1: use it. I use my phone more than anything. Yeah.\n\nChannel 0: Oh, that's good. Yeah. And that'd be a lot faster, a lot newer.\n\nChannel 1: Yeah.\n\nChannel 0: That's fine. Yeah. No. That's awesome. That's excellent.\n\nAll good. Well, what I'll do is I'll email through to you. That way, you can have a bit of a look at it later on. If you do find you have any questions, just give me a call. Let me know.\n\nBut what I'll do now, if you like, I'll just run you through the recommendations, give you an update of what the changes are, explain how and why, and then I'll let you go back and review that one. Okay?\n\nChannel 1: Okeydoke.\n\nChannel 0: Excellent. Now, James, just before we jump into the call properly, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that?\n\nChannel 1: Yep. Absolutely.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And, also, just to do security there with you as well, just to confirm your full name, your date of birth, and address that I should have on file for you.\n\nChannel 1: James Robert Payne. Fourth of\n\nChannel 0: Yep.\n\nChannel 1: September 1968.\n\nChannel 0: Beautiful. Thank you so much for that. So, James, with regard to the advice document, on the very front, it has your beautiful name and the date as of today. So our documents are valid for sixty days. Feel free to have a read to it and let me know if there are any additional questions.\n\nOn the bottom, it's also got my authorized representative number. So I'm a full licensed adviser registered with Aftik, and my registration number is 1304394. Okay?\n\nChannel 1: Hi, Kevin.\n\nChannel 0: Beautiful. Now areas that we are scoping in or looking at for the advice today is we're looking at areas of superannuation. So when you and I did your annual review, you have been off work, haven't been able to obtain a new role due to your health changes in the last twelve months there. So we're looking at just sort of switching your investments, removing anything underperforming, but also lowering your risk level as well. So\n\nChannel 1: Yep.\n\nChannel 0: at the moment, you were hoping to hoping to be able to access super around about age 60. You've also got your PPD and income protection in there, which with the help of our team, we are trying to sort of see if we can get a claim going there for you as well. And I believe\n\nChannel 1: Yep.\n\nChannel 0: you're on disability pension now. They've changed that from JobSeeker for you. Is that right?\n\nChannel 1: Yeah. That's correct. Yeah. It\n\nChannel 0: Oh,\n\nChannel 1: only happened a couple of weeks ago, but they've backdated it until I think it was mid April,\n\nChannel 0: fantastic.\n\nChannel 1: something\n\nChannel 0: Fantastic.\n\nChannel 1: like\n\nChannel 0: Oh,\n\nChannel 1: that.\n\nChannel 0: that's fantastic. That'll be really good. That's a little bit more money as well. They have a higher rate of pay for the for the disability\n\nChannel 1: Yeah.\n\nChannel 0: pension\n\nChannel 1: It was\n\nChannel 0: as well.\n\nChannel 1: I think it was $300 additional to JobSeeker.\n\nChannel 0: Yeah. Oh, perfect.\n\nChannel 1: Goes\n\nChannel 0: Because that was\n\nChannel 1: goes\n\nChannel 0: one of\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: long\n\nChannel 0: things.\n\nChannel 1: way for them having nothing. I still have nothing, but\n\nChannel 0: Yeah. No. Absolutely understandable. Well, yeah, hopefully, that helps and just to leave you any little bit of stress there. I know Caden is sort of helping to assess when and if we're able to get that claim underway.\n\nHave you heard from him recently in relation to the TPD\n\nChannel 1: Yeah.\n\nChannel 0: or income\n\nChannel 1: Caden\n\nChannel 0: protection claim?\n\nChannel 1: Caden just sent me an email last night, but I actually got one from TAL Group claims the day\n\nChannel 0: Yes.\n\nChannel 1: before. They just wanted\n\nChannel 0: Yep.\n\nChannel 1: some additional information,\n\nChannel 0: Yep.\n\nChannel 1: which I've sent them. Luckily, I had copies of everything.\n\nChannel 0: Yep.\n\nChannel 1: So I've sent that off. The only thing I didn't send off is they wanted my employer to\n\nChannel 0: Yes.\n\nChannel 1: fill out some form, and it's like, well, you know, and I was mainly done back in bloody March last year.\n\nChannel 0: Yeah.\n\nChannel 1: You know? And\n\nChannel 0: Yeah.\n\nChannel 1: I I've got crook. Started going downhill in October, November.\n\nChannel 0: Yep.\n\nChannel 1: So there's quite a few months in between, and I didn't go on the job seeker until June, early June. So I've said that in my email, and Caden's got a copy of that this morning\n\nChannel 0: Okay.\n\nChannel 1: because I didn't copy him in. I thought he was actually in, and I thought he he wasn't.\n\nChannel 0: Oh, okay. No. That's alright. So the main sort of reason he's looking to try and get the information from the employer is because you do have that income protection component. We are trying to see if we can get some sort of income protection claim started for you.\n\nChannel 1: Yes.\n\nChannel 0: So we're just trying to have them assess whether whether, you know, you had been suffering the illness or, you know, suffering before you were made redundant at all. If there were any symptoms or suffering, there may be an eligibility for you to receive some income protection there. So we're just sort of having them assess all avenues possible on the TPD\n\nChannel 1: Yeah.\n\nChannel 0: and income protection side to make sure we can get any claim possible. There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area. As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at\n\nChannel 1: Yeah.\n\nChannel 0: how to keep the money invested and working for you, but also maybe draw something out to help you along. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: I had a follow-up with a cardiologist last week, week before,\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: And that was that was actually my heart my heart dropped. When I first walked in, he said, well, I've got some bad news and some good news. I thought, oh my god.\n\nChannel 0: Oh,\n\nChannel 1: Just the way\n\nChannel 0: no.\n\nChannel 1: he said it, you know, shit.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: The bad news was he couldn't actually determine the cause because the ultrasounds weren't clear. And he said, the ultrasound on your heart, he said they're they're very hit and miss to the best of times. He said that you do have\n\nChannel 0: Oh, really?\n\nChannel 1: some some\n\nChannel 0: Yeah.\n\nChannel 1: reduction in arteries there, so I'm on medication for that one.\n\nChannel 0: Yep. Okay.\n\nChannel 1: But, otherwise, I'm stable. I'm gonna go back in three months for that one. Just another\n\nChannel 0: Okay.\n\nChannel 1: follow-up.\n\nChannel 0: Yes. Yep. Excellent. Well, we'll keep we'll keep monitoring things. Caden\n\nChannel 1: Yeah.\n\nChannel 0: does the claim side of things for us as the as part of our admin team, but he does keep us in the loop, and I'll keep, you know, liaising with him and seeing where we go with that for you.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah,\n\nChannel 1: I've\n\nChannel 0: hopefully\n\nChannel 1: been keeping him up to date\n\nChannel 0: yeah.\n\nChannel 1: with what's going on.\n\nChannel 0: Oh, that's really good. That's excellent. Yeah.\n\nChannel 1: Yeah. I've\n\nChannel 0: Well,\n\nChannel 1: got\n\nChannel 0: I'll\n\nChannel 1: my\n\nChannel 0: run\n\nChannel 1: emails up in front of me. So\n\nChannel 0: oh, beautiful. You got your computer running. Fantastic.\n\nChannel 1: no. I remember not got a tablet out the back, so I've\n\nChannel 0: Oh,\n\nChannel 1: got it.\n\nChannel 0: lovely. They're all good. Now you should have an email there. It's probably come from odu sign. It's probably come from my email address, daina at\n\nChannel 1: Yeah.\n\nChannel 0: odu find that. So you can see that one?\n\nChannel 1: Yep.\n\nChannel 0: Lovely. To make this easier, I'm just gonna take you through a couple of the pages and talk you through the recommendations, and then you get to go back and run your eyes over all the other pages because it is quite a document there.\n\nChannel 1: Yeah. It looks like it.\n\nChannel 0: I don't wanna go, you know, make it too confusing for you. It is still early in the morning. If you run down to page number 19 of that document there, these couple of pages are probably the main ones that we're gonna go through.\n\nChannel 1: Page 19. Alright. All I've got is half a dozen, like, attachments,\n\nChannel 0: Yeah.\n\nChannel 1: statement,\n\nChannel 0: So you should see a button you you can open up the statement of advice as the attachment, or you can click on the button at the top that says start or sign.\n\nChannel 1: advice. Oh, some document. Yep.\n\nChannel 0: Yeah. And that'll take you through so you can view the document and go\n\nChannel 1: Yeah.\n\nChannel 0: up and down.\n\nChannel 1: Okay. Yep.\n\nChannel 0: It\n\nChannel 1: Got\n\nChannel 0: it\n\nChannel 1: it.\n\nChannel 0: won't ask you to sign anything. It'll never ask you to sign anything you haven't read through. So\n\nChannel 1: Yep.\n\nChannel 0: when it takes you through, you'll see the document. It'll let you scroll up and down there a little bit.\n\nChannel 1: So page 19.\n\nChannel 0: Yep. Page 19.\n\nChannel 1: This profile.\n\nChannel 0: Beautiful. So the heading on this one will just say recommended investment superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Just let me know when you\n\nChannel 1: Got\n\nChannel 0: see\n\nChannel 1: it.\n\nChannel 0: that.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now one of the big things we talked about when we did your annual review that you're currently in a growth portfolio. So that sees about 80% in those growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and\n\nChannel 1: Mhmm.\n\nChannel 0: then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest. Essentially, because you are currently not working, you are in your fifties and, well, hopefully, wanting to access some of your super at around about age 60, which only gives us about sort of three to four years given your age this year. We just wanted to sort of make sure that you're in a lower risk portfolio. So you and I did the risk profile questionnaire, and we talked about moving it down to profiles to be more balanced. So\n\nChannel 1: Yep.\n\nChannel 0: you're taking on a little bit less risk in the market. We understand the returns can be lower because of that, but it's about also protecting your capital because you've worked really hard at this point. The fact that you're not able to work at the moment means that we need maybe put some protections in place where we see lower changes or lower market fluctuations, less ups and downs that make us quite nervous, and put some protections in place to keep your capital as stable as possible for you.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: there is never any guarantees, and all portfolios, especially with balances like yourself, will see market ups and downs. But the\n\nChannel 1: Yeah.\n\nChannel 0: idea of reducing risk is that those ups and downs are less aggressive. They don't feel as bad, and as a result, you end up with more capital protection there. But we still wanna see some growth, so it's kind of a mix. So what we'll do is we're looking at moving you down that risk profile, changing some of the underlying investments, making it a bit more passive, passively invested, and also saving you on fees where possible as well. Okay?\n\nChannel 1: Okay. Yep. It stands\n\nChannel 0: Now\n\nChannel 1: good.\n\nChannel 0: on this page here, you'll see that with the investments, you've got some red. If you look in the buy, sell column, it's probably the\n\nChannel 1: Yep.\n\nChannel 0: easiest one. You'll see all the red and the green there. So I allocate what we're gonna be buying and selling with regard to the changes in investments. Essentially, in the first column, you've got the investment name there. So just running through them, you've got some battery and lithium tech there.\n\nIt's not a bad investment by any means. However, it was there as more of a thematic kind of investment. It's more of a looking to get higher growth, and you do take a bit more risk to have these sorts of thematic ETFs in your portfolio. So we are looking to sell that completely from your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: And then also your Ben along Australian Equities, that was the one that was majorly performing, so we're removing that completely out of your portfolio. We\n\nChannel 1: Yep.\n\nChannel 0: are still gonna keep the Australian Equities portion by just removing it from that one investment. You've\n\nChannel 1: Hang\n\nChannel 0: also\n\nChannel 1: on.\n\nChannel 0: got\n\nChannel 1: I'm just\n\nChannel 0: the, sorry.\n\nChannel 1: sorry.\n\nChannel 0: You're\n\nChannel 1: I have bloody\n\nChannel 0: right.\n\nChannel 1: dogs carrying on.\n\nChannel 0: Oh,\n\nChannel 1: Oh, idiot.\n\nChannel 0: you're right.\n\nChannel 1: Someone must have walked past. Sorry, Billy.\n\nChannel 0: No. That's absolutely fine. He's looking after you. He's like, hang\n\nChannel 1: Yeah.\n\nChannel 0: on, dad. Someone's here.\n\nChannel 1: Yeah. Pretty right.\n\nChannel 0: Oh, good. You've got the bank hybrids in there as well. Now they are being phased out in the future as well, so we are looking to remove those now whilst we're making changes, essentially. We\n\nChannel 1: Okay.\n\nChannel 0: don't have\n\nChannel 1: Yep.\n\nChannel 0: to remove them now, but when they do get phased out by the by the government, it will be a a point where we have to make the change. So it is worth\n\nChannel 1: Yep.\n\nChannel 0: making the change now instead of laying it down the track when we, you know, could cement more losses or to have more of a a capital gains consequence. So it's always better to try and roll any changes into one. You've got some physical gold in there. We are keeping physical gold, and we're actually gonna buy a little bit more of that. So you've got about 8% in your portfolio now.\n\nWe wanna have\n\nChannel 1: Mhmm.\n\nChannel 0: about 10%. Physical gold is a growth investment, but it's also seen defensively. So we all love a bit of physical gold. I love gold. That's for sure.\n\nChannel 1: Yep.\n\nChannel 0: And, essentially, when you look at the way gold grows, it has seen some very good highs over the past couple of years, and we'll expect to see more in the future.\n\nChannel 1: Yeah.\n\nChannel 0: Gold is a growth investment and does see good growth and provide great returns, but it also works defensively as well. So at times when markets maybe don't perform well, where equities are having a bit of a downtime, people like to move money into gold. It's a bit of a safe haven as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: it it does work both ways, and we wanna hold about 10% their total of your portfolio. Cybersecurity is in there as well. Cybersecurity has seen a bit of a downtime in the past couple of months. There's been a bit of a tech sell off. And also with what's been happening between The US and Iran, cybersecurity has taken a bit of a hit there.\n\nHowever, it will come back. It is still a great place to be. You have about 8% there at the moment, so we have more of that in these growth portfolios because you are taking a bit more risk by having that in there. It's seen as one of those, We call them satellites where you're taking a little bit more risk and branching out into other areas to try and get\n\nChannel 1: Yeah.\n\nChannel 0: greater growth. We still wanna hold some of that, but we just wanna reduce your exposure to 5%. So we're gonna sell off a little bit of that so you only have 5% held in a new portfolio. We've also\n\nChannel 1: Okay.\n\nChannel 0: got the iShares core composite bond. Now this you hold about 8% at the moment, but we're increasing your exposure to 20%, and that is because we are removing the bank hybrids. So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out. So we need to put the money into something defensive. So the\n\nChannel 1: Mhmm.\n\nChannel 0: core composite bonds is what's gonna hold that for you. It is really good. It's giving you exposure to government as well as corporate bonds. Bonds are good for income producing. They pay coupon or income payments generally quarterly or monthly, and those income payments get distributed into your super and redistributed throughout the portfolio.\n\nSo it's compounding there for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: We've got the S and P 500. You hold about 26% at the moment. So because we're lowering your risk level, we're lowering some of these defensive assets. So we're reducing it down to 20%. The S and P 500 is still a great place to be.\n\nThe one thing I like about the S and P 500 is is it tracks the S and P 500 index, which is essentially tracking the top 500 companies on The US market. And because you are tracking the indices, essentially, where a company no longer meets the criteria to be in the index, it's also removed from these investment options as well. So you're always tracking the top 500 companies. Options as well. So you're always tracking the top 500 companies, and\n\nChannel 1: Yep.\n\nChannel 0: companies that don't qualify are removed out of there for you. So it is a really good thing to do. Tracking indices does provide greater growth. It's also giving you diversification because instead of holding, you know, 10 or 20 investments, you're tracking 500 across The US, across different areas and asset allocations and different. Sorry.\n\nThe the word I'm thinking was just jumped in my head. I'm so sorry.\n\nChannel 1: You're\n\nChannel 0: But it is good. It is giving you diversification across different assets, across different\n\nChannel 1: Yeah.\n\nChannel 0: areas. It's\n\nChannel 1: Yep.\n\nChannel 0: different parts of the country. And, also, you know, you're looking at some financials. You're looking at some industry as well, so across different areas within The US market as well. So it's\n\nChannel 1: Okay.\n\nChannel 0: really good to have in there for you. I apologize. I got a bit tongue tied there. I got my the word jumped out of my brain.\n\nChannel 1: Oh, you're doing better than what I would.\n\nChannel 0: You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well. Property has seen some great growth over the past couple of years, but we just wanna reduce the risk level. So it's about altering some of the investments in there.\n\nChannel 1: Yep.\n\nChannel 0: We are removing also the Raffy a 200. So that's essentially giving you exposure to some of the 200 companies in the Australian market between mid to low cap.\n\nChannel 1: Okay.\n\nChannel 0: Essentially,\n\nChannel 1: Yep.\n\nChannel 0: with the Rafi, we're removing that one. We're gonna keep about 10% in it. So we're removing most of it. We are keeping about 10% in there in your newer portfolio about reducing it back a little bit because we are also removing the ban along Australian equities, and we're also then putting you into the beta shares a 200. So by removing the Raffi a 200 and also then removing oh, removing some of the Raffi a 200 and removing Bannalong and then buying into the beta shares a 200, it's making sure you're not overexposed but giving you some exposure into the Australian market as well.\n\nChannel 1: Robert,\n\nChannel 0: So,\n\nChannel 1: I can.\n\nChannel 0: yeah, one of the big things was the Van Along Australian Equities investments, which you were holding, as I kind of probably explained when we did the annual review, the Banna Long investment team, they are trying to outperform against the market they are supposed to be actively managing, and they've had some trouble with that in the past few months, and that's why the investment itself has been underperforming.\n\nChannel 1: Okay.\n\nChannel 0: So by removing that out out of there and putting it into the a 200, you're actually also increasing your diversification, which is great for mitigating risk. The BAN along Australian Equities investment fund generally only holds between 15 to 25 or 30 different investment options. Whereas moving you into the beta shares a 200 and holding the Raffi a 200, you're actually giving yourself exposures to basically 400 companies across the Australian market there. So you're increasing the amount of holdings within the Australian ASX\n\nChannel 1: Right.\n\nChannel 0: market\n\nChannel 1: Yep.\n\nChannel 0: and providing greater diversification, which is important for mitigating or reducing risk as well. Now does that make sense? Do you wanna ask\n\nChannel 1: Yes.\n\nChannel 0: me anything\n\nChannel 1: Yep.\n\nChannel 0: so far?\n\nChannel 1: No. That's that makes sense.\n\nChannel 0: Yeah. Beautiful. Then you've also got in there the iShares Core Footsie Global Infrastructure hedge fund. We are keeping that in there. Hedging is really great.\n\nIt's about giving you protections against the Australian dollar, and we're gonna hold about 5% in that investment. And then other defensive investments because we're looking to keep more defensive investments in your portfolio, we're gonna have high interest cash accounts. So high interest cash is looking at investing money in high yields. So getting income producing will hold 5% in those for you. And then also the iShares yield plus, which is looking at high interest earning equities and trying to get yields of income out of your portfolio as well.\n\nSo one of the big\n\nChannel 1: Mhmm.\n\nChannel 0: things I wanted to look at was because you're not able to make contributions at the moment, we wanna make sure your portfolio is producing some income. So income that gets put into your cash account, and then we can reinvest into your portfolio, and that will help with the compounding effect, essentially. That way, we're not relying solely on growth.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: having a mix of income plus growth helps to, you know, diversify your portfolio and and make that compounding work a little bit harder. I've tried to go through that a little bit easier to make it easier on you. Do you have any questions currently? Did you want me to kinda break anything more down for you? Or\n\nChannel 1: No. That's I'll I'll go over it a bit when we finish your conversation, but, yeah,\n\nChannel 0: yeah.\n\nChannel 1: it\n\nChannel 0: Absolutely.\n\nChannel 1: makes sense what you're saying.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I I really don't follow the share market at all. I should do.\n\nChannel 0: No. That's\n\nChannel 1: I've\n\nChannel 0: okay.\n\nChannel 1: I've never been a political person either until lately. So\n\nChannel 0: Yeah. I don't think we've all had much of a choice. It's kind of all there, isn't\n\nChannel 1: yeah.\n\nChannel 0: it?\n\nChannel 1: I do\n\nChannel 0: Yeah. No. Absolutely. So as a whole,\n\nChannel 1: see.\n\nChannel 0: this is kinda showing you what we're gonna be selling and what we're\n\nChannel 1: Yeah.\n\nChannel 0: gonna be buying, and that target weighting is what you'll see your portfolio in at the end of the day. So just sort of trying to show you that there are reasons behind what we're buying and selling. And the biggest takeaway is that we're reducing those growth investments. So it does mean removing some of those higher risk investments and trying to put more money into those low risk defensive investments because we want cash to be generated from your portfolio. We want to see the income side coming out where money is distributed out of the investments and put into your cash account so we can reinvest that in your portfolio for you because\n\nChannel 1: Yes.\n\nChannel 0: that money reinvested then draws more income, which again gets reinvested for you. And that's how compounding works, which is one of the most powerful tools we have, but also making sure that you're getting that it is working and that you're not going backwards at all because you're not able to make contributions right now. We don't want your portfolio to be going backwards heavily\n\nChannel 1: Backwards.\n\nChannel 0: over the next\n\nChannel 1: Yeah.\n\nChannel 0: couple of years. Yeah.\n\nChannel 1: That's what\n\nChannel 0: Yeah.\n\nChannel 1: I've been worried about. So I I logged on the hub the other day, and I I noticed that it made made quite a lot of good ground, actually.\n\nChannel 0: It has yeah. When we touch base in your annual review, I noticed your balance is about 580,000 then.\n\nChannel 1: Yeah.\n\nChannel 0: And since since so three months I had a look at, you've actually made earnings of 57,344. So it's an 8% return net of fees, which is good to see. So we have seen some additional growth in that time, which is good. Yeah.\n\nChannel 1: Yeah. I thought it was up around $6.20 when I looked the other day.\n\nChannel 0: Yeah. It has\n\nChannel 1: Mhmm.\n\nChannel 0: had a slight pullback as of yesterday. So\n\nChannel 1: Has\n\nChannel 0: the\n\nChannel 1: it?\n\nChannel 0: balance\n\nChannel 1: Yeah.\n\nChannel 0: when we did the advice document, it was around that $6.23 mark. And\n\nChannel 1: Yep.\n\nChannel 0: then today, when I've had a bit of a look at it, it's about $6.17. So a little bit of a pullback\n\nChannel 1: Come\n\nChannel 0: there.\n\nChannel 1: back a bit.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Yeah. But we wanna see that kinda grow and cement a little bit. So when we put these changes into place, we'll then kind of watch the portfolio over the next few months to see, make sure it's working and do regular reviews with you to make sure that it does stay working for you. And if\n\nChannel 1: Yep.\n\nChannel 0: we flag anything we need to change, we'll make sure we do that for you as well. Okay.\n\nChannel 1: Beautiful.\n\nChannel 0: Yeah. Beautiful. If you scroll down to page number 21 for me, this just shows you the difference in those sorts of investments and shows\n\nChannel 1: Yes.\n\nChannel 0: you the risk reduction. Beautiful. So in the first the second column, you'll see it says risk profile. If you look at the the bold side of it, you've got the growth assets at 60%, essentially, but 40%. So this is what a balanced portfolio is supposed to look like.\n\nWe wanna at the moment, as I said before, you've got 80% in those growth assets, so we wanna\n\nChannel 1: Mhmm.\n\nChannel 0: reduce that down to about 60%. And in the third column, which is the proposed percentage, we're actually reducing your growth investments to 64.19. So we are bringing it very heavily down. And then the bottom line shows you're increasing your defensive assets from 16.9% to 35 a bit over 35% there. So\n\nChannel 1: Okay.\n\nChannel 0: it's\n\nChannel 1: Thank\n\nChannel 0: about\n\nChannel 1: you.\n\nChannel 0: reducing your risk by reducing those growth assets and then having more investment as defensive lower risk investments there. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. If you go down to the next page, the next one's the fee comparison table, and this is kinda showing you the projected outcome based on what I've recommended.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. So you've got your balance there in the current columns. As I kinda mentioned before, when we did the document, your balance is a bit higher. There has been a slight pullback now. So there will be a slight change to what\n\nChannel 1: Yes.\n\nChannel 0: we see when we complete\n\nChannel 1: Understood.\n\nChannel 0: them, but it's not a massive change here. Essentially, when we with your current balance there, your current fees, the investment fees, you're currently paying $1.06 $5.09 in admin fees, $2.05 $9.02 in investment fees, your ongoing service fee there as well, which is 1.65% for capped at balances of $6,600,000, so you don't pay more than that 9,900. And then the insurance premiums, which we're keeping in the place, we're not removing any or altering any insurances because you are going through that claims process, but\n\nChannel 1: Yep.\n\nChannel 0: we'll review these down the track there for you as well. Okay? Yeah. Within that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level. Yeah.\n\nSo, essentially, once we complete the investments, which as I went through before, we do understand that your super fund has tax consequences. Your super fund does a tax return just like you do every year, and it essentially does account for income and capital gains tax. And so after making the switch above, we estimate the capital gains to be $5,404, which essentially means that after the switch based on your current balance, we should see your super at about 618,071. That's taking everything into account. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine.\n\nChannel 0: Probably a little bit less now just because the balance has had a bit of a pullback, but, I mean, the markets do go up and down, and we could see it pull back up over $6.20 over the next few days there as well. Okay.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yeah. So, essentially, by making the switch, there's no real change to the admin fees. It's showing a $6 decrease, which is great, but the investment fees are essentially almost halved. So we go from paying over $2,000 for the admin fees to about 1,286. So you're actually saving $1,300 in investment fees by\n\nChannel 1: Yeah.\n\nChannel 0: making\n\nChannel 1: That's good.\n\nChannel 0: that change at the portfolio. Yeah. The ongoing service fee does stay the exact same. Essentially, we just charge 1.65% for our services, and we cap that at 9,900 currently. So you won't pay any more than 9,900.\n\nWe cap that currently at 100,000 for a balance. So if we can get your balance up over $7,800,000, we're not currently charging 1.65% of that balance. It's capped at 9,900 for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Good. Makes\n\nChannel 0: Yeah. And the insurance premium stay exactly the same. Underneath it, you'll see the balance portfolio. So we've kinda gone back and had a look\n\nChannel 1: sense.\n\nChannel 0: at how this balance portfolio has performed over the past five years. It's showing the rolling average there, and, again, it's averaged about 9.59%. So it's kind of keeping on par. It's actually provided a little bit more of a return in the growth portfolio whilst reducing your risk. However, we know this is past performance.\n\nWe're not guaranteed to get 9% every year. What we wanna kinda do is keep that compounding working as much as possible. But\n\nChannel 1: Sure.\n\nChannel 0: if this portfolio can do what it has done over the past five years, you can see below essentially where we'd expect you to end up over the next three and five years there. Okay?\n\nChannel 1: Very good.\n\nChannel 0: Yeah. So we do know because we're reducing risk and because the CDK consequences over the next three years, we see your balance a lot a little under where it would be if you stayed in the growth portfolio. But over\n\nChannel 1: Yes.\n\nChannel 0: the next five years, we can see that make up and provide you know, it compounds a bit faster and does make up that difference and does show a greater performance over the next five years as well. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Do you have any questions in relation to any of that? You're welcome to ask me anything you like at the moment.\n\nChannel 1: No. That's I think that's pretty straightforward and set out set\n\nChannel 0: Yeah.\n\nChannel 1: out pretty well, so that's good.\n\nChannel 0: Beautiful. Excellent. I will show you on page number 23 as well there. We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances. So this is just to sort of show you that we know insurance is coming out of super does have an impact on retirement.\n\nThe current and recommended are exactly the same as what's above in the projection table there. However, the no insurance column shows that if under the same circumstances as what's recommended, you were not paying any insurance payments out of super, you can\n\nChannel 1: Yep.\n\nChannel 0: show that it would have a greater effect long term on your super balance.\n\nChannel 1: Yeah. Yeah. It would do. Yeah.\n\nChannel 0: Yeah. Yeah. And underneath that, the only other thing I wanted to sort of have in here is that we are making sure that you do have the estate planning side of things all completed and updated and making sure that you do have your beneficiary nominations in place. Essentially, one of the things we talked about was making sure that your beneficiaries could all receive about the same balance\n\nChannel 1: Yep.\n\nChannel 0: your beneficiaries were. All of your children at about 20 each. However, one of the biggest things was because your kids, some of them are they're on different, you know, taxable income. Some of them are dependent on you. Some of them are not.\n\nEssentially, with children when they're over 18, receiving your super benefit paid direct from super means that they do pay tax on that, whereas any beneficiaries or children who are benefit who are financially dependent on you, they actually don't pay tax. So\n\nChannel 1: Okay.\n\nChannel 0: with your\n\nChannel 1: Yes.\n\nChannel 0: five kids all being nominated that from your super, they're not likely to receive the the same benefit. It's not likely to be an evened out amount. So what I'm recommending is that we just update your beneficiary nomination, have it noted to legal personal representative. That essentially means that your beneficiary is, in the event of you passing your super, is paid direct to your estate, and you just need to make sure you have a will that reflects your wishes. And I've had a\n\nChannel 1: Yeah.\n\nChannel 0: bit of a look. Yeah. You're\n\nChannel 1: I've\n\nChannel 0: right.\n\nChannel 1: I've gotta actually change my wheel because my x is\n\nChannel 0: Dex.\n\nChannel 1: still on it.\n\nChannel 0: Yeah. Yeah. I've actually had a bit of a look, and I I do believe do believe now did we send you the email after the annual review? I'm pretty sure we sent the email with the details of a local solicitor that we can refer you through to.\n\nChannel 1: Yeah. I've I've actually had one in\n\nChannel 0: Yep.\n\nChannel 1: my own MRM who\n\nChannel 0: Yep.\n\nChannel 1: who did my first wheel.\n\nChannel 0: Yep.\n\nChannel 1: So I was gonna\n\nChannel 0: Beautiful.\n\nChannel 1: get in touch with him and have it changed.\n\nChannel 0: Yeah. It is really important that you do do so if anything was to happen. And because you do have you know, you've got your heart issue at the moment, making sure your will is done as a matter of priority is really important. And I definitely ask once you get your will updated there, James, if you can send me a copy of it, we can keep it on file for you. That way, in the event of something occurring or you\n\nChannel 1: Yep.\n\nChannel 0: passing away, it just means that your executive needs to can call us, and then we can help them with the claim and sort of make your life a little bit easier on them as well. So\n\nChannel 1: Okay.\n\nChannel 0: yeah. But now doing your will is very important, and having that beneficiary nomination change to legal personal representative just means that everything gets pulled into your estate and then paid out to your beneficiaries through the will. It can be paid as a more tax advantaged way. You can also have trust and things set up so that if you've got younger children 18 who are still at school or still have, you know, need regular income payments that through a trust, you can also allocate who gets what when they receive it and have a lot more control over your benefit and how it is paid to each of your\n\nChannel 1: Okay.\n\nChannel 0: children.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: There's some some that sort of woke me up in December when I when I fell ill. I thought, shit. I better get this changed because,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I'm sure my ex would wouldn't just take the benefit of getting it if something did happen, but\n\nChannel 0: You\n\nChannel 1: she\n\nChannel 0: just\n\nChannel 1: would\n\nChannel 0: never\n\nChannel 1: pass\n\nChannel 0: know.\n\nChannel 1: it on to the kids, but you never\n\nChannel 0: Yeah.\n\nChannel 1: know.\n\nChannel 0: You just never know. It's something we have seen a lot in this industry where, you know, things are unexpected, and I hope I hope, you know, you have a long, healthy life, and I wanna be talking to you for years to come,\n\nChannel 1: Yes.\n\nChannel 0: and then you\n\nChannel 1: HotSpot.\n\nChannel 0: enjoy your retirement. But, essentially, it is really important to have these tough conversations and kinda make sure that we are discussing, you know, what happens because we do see in this industry a lot where, you know, nothing's expected and people pass away unexpectedly or things happen. And then family members are left with no will going through probate, and probate can be anywhere from twelve to eighteen months. It can be longer depending on the system and how long it takes. It's a costly process, and people get to come out and stake a claim, and it can just be very, very difficult on the family members.\n\nChannel 1: Very\n\nChannel 0: And\n\nChannel 1: messy.\n\nChannel 0: and, yeah, and it does also mean that, you know, your benefit may not be paid where you want it to go. It might be paid to the wrong person. Some children might receive more than others. So having a will in place and stipulating your wishes is really important to do. It's a a bit of a, an investment in yourself and and you the fact that you've worked so hard so that your estate is directed to where you want it to be.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: when we have legal personal representative nominated on your super, it is really very important that your will is updated because if you do pass away, having a beneficiary to LPR is one part of that process. But if you don't have a will that's up to date, then everything gets paid to your estate and still goes through probate, which is a long, costly, difficult process for your family. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: if you can make some time, have a chat to the solicitor, get your will updated, let them know that you want your super and your life insurance proceeds all to go through, you know, to go through the will, and we'll make sure those beneficiary nominations are set up for you to assist.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: That's alright. Sounds good.\n\nChannel 0: Beautiful. Now do you have any questions at all? Is there anything you wanted me to kinda go back through or answer? Or\n\nChannel 1: Not what we've discussed so far.\n\nChannel 0: yeah.\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: I'll I'll go through the rest of this document. And\n\nChannel 0: Yep.\n\nChannel 1: if I do have any, I'll click you a quick right?\n\nChannel 0: Absolutely. I'm here all the time. So let me know if there's any questions that you have. If you go through it and you decide just to have it all implemented, we'll just get you signed and return it back, and we'll take care of that for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: One\n\nChannel 0: Yeah.\n\nChannel 1: thing I did discuss with the cardiologist was about the disability support pension.\n\nChannel 0: Yes.\n\nChannel 1: And I didn't even get to say to him that it's been approved and I'm actually honored. He said, oh, I don't go through that. You need to speak to your GP on that.\n\nChannel 0: Yes.\n\nChannel 1: So my authority been approved, but I was about to ask about total permanent disability.\n\nChannel 0: Yep.\n\nChannel 1: He said, oh, yeah. Same thing. I don't get involved with with Centrelink.\n\nChannel 0: Okay.\n\nChannel 1: Alright.\n\nChannel 0: So that'll\n\nChannel 1: So\n\nChannel 0: be something for your GP to have a chat to you about. Is that right?\n\nChannel 1: Yeah. It is. She said\n\nChannel 0: Mhmm.\n\nChannel 1: that you you might have other things going on that I'm not aware about. So I'm\n\nChannel 0: Yeah.\n\nChannel 1: not in there to do. Fair enough.\n\nChannel 0: Yeah. Yeah. No. That's okay. Do you\n\nChannel 1: He's\n\nChannel 0: have\n\nChannel 1: a specialist.\n\nChannel 0: another DP's appointment coming up soon? Or\n\nChannel 1: Now I've gotta make one. He's been on leave. I think he's back now. So I'll\n\nChannel 0: yeah.\n\nChannel 1: make one very soon and go back and have a chat to him\n\nChannel 0: Yeah. Okay.\n\nChannel 1: about\n\nChannel 0: Perfect. Yeah. No. Just, yeah, just have a bit of a chat and just sort of say, look. Yeah.\n\nThey should understand what TPD is. It's permanent incapacity\n\nChannel 1: it.\n\nChannel 0: where, essentially, there's you know, you're not gonna be able to go back to work again if they're happy to sign off on that. Generally speaking, if they are still trying to seek treatment and get you back to some sort of working capacity, then TPD is very hard to claim on. But, yeah, just have a chat to them and find out, you know, the the the long term outcome and what they're expecting and if they're happy to sign off on, you know, a PPD claim. And\n\nChannel 1: Yeah.\n\nChannel 0: then we can\n\nChannel 1: Yep.\n\nChannel 0: definitely put that through. So because you are 60 at the moment, with PPD, it is unfortunately taxed. So if the claim goes through and it is successful before you do draw any funds out, you and I can do an updated advice case and look at, you know, how to maybe have an income stream coming out so you've got some money to supplement your Centrelink and, you know, look at how best to structure it. Because you're also on Centrelink, and they assess income and income and assets testing.\n\nChannel 1: Yeah.\n\nChannel 0: We\n\nChannel 1: That's\n\nChannel 0: wanna\n\nChannel 1: right.\n\nChannel 0: make sure that you that you don't, you know, lose too much Centrelink there as well. So we'll look at how best to structure it tax wise, but also so that you can survive and, you know, get to get enough income to support yourself and your family.\n\nChannel 1: Yeah. That's right. I was\n\nChannel 0: Yeah.\n\nChannel 1: I was just going back through some letters the other day from Centrelink when I was\n\nChannel 0: Yeah.\n\nChannel 1: looking for him for the TAL claim. And\n\nChannel 0: Yeah.\n\nChannel 1: I was just reading one, I thought, oh, you you pack among those, aren't you? But when I\n\nChannel 0: Yes.\n\nChannel 1: first applied for JobSeeker,\n\nChannel 0: Yeah.\n\nChannel 1: they they said, yes. Okay. But we can't pay it until another couple of months down the track or whatever it was because\n\nChannel 0: Yep.\n\nChannel 1: of the amount of money you've got in the bank. Alright.\n\nChannel 0: Yeah. The liquid assets test. Yeah.\n\nChannel 1: Yeah. You\n\nChannel 0: That's\n\nChannel 1: freaking\n\nChannel 0: a\n\nChannel 1: mungled\n\nChannel 0: kilo of that\n\nChannel 1: guys.\n\nChannel 0: one.\n\nChannel 1: Like, it it was bugger all, and it was basically gone by the time I got my first settlement payment anyway.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: I'm so\n\nChannel 1: they\n\nChannel 0: sorry.\n\nChannel 1: want you to be\n\nChannel 0: Yeah.\n\nChannel 1: on the bones of your ass before they give you something.\n\nChannel 0: Yeah. Yep. Oh, that's a shame.\n\nChannel 1: But yeah. So what the challenges are, like, the one facing around here is what a lot of jobs are in the car industry, and you do\n\nChannel 0: Mhmm.\n\nChannel 1: need to sit for a, cardboard medical on a lot of them,\n\nChannel 0: Yeah. Right.\n\nChannel 1: which I I won't I will not pass.\n\nChannel 0: No.\n\nChannel 1: So that means going outside of the industry, and\n\nChannel 0: Yeah.\n\nChannel 1: I've been out of work now for, what, fifteen months, sixteen\n\nChannel 0: Yeah.\n\nChannel 1: months\n\nChannel 0: Yeah.\n\nChannel 1: plus my age.\n\nChannel 0: Yeah.\n\nChannel 1: So they're all\n\nChannel 0: It's\n\nChannel 1: going\n\nChannel 0: tough.\n\nChannel 1: against me at the moment. So\n\nChannel 0: Yeah. No. I'm so sorry to hear that. Well, we'll keep working with you and see what can happen. I'll keep\n\nChannel 1: yes.\n\nChannel 0: keep on top of things with Kate and see how we go. It's not an easy process to claim on TBD. I know the insurers, their goal is to try and pay out as little claims as possible\n\nChannel 1: Oh,\n\nChannel 0: unless\n\nChannel 1: absolutely.\n\nChannel 0: needed.\n\nChannel 1: Yeah.\n\nChannel 0: But our job is to try and help you get the claim, so we'll certainly try. If for any reason it comes back not, you know, not payable, we'll just keep monitoring things. We can go back and claim again. That doesn't stop you from ever claiming again. Okay?\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Yeah. But we'll see what we can do. We'll cross our fingers and, yeah, just it all comes down to what the doctors are gonna say and what the reports show and, yeah, how it's assessed. So as long as the doctors are all good, they think there's no way you'll get back to work long term, you won't be able to work, then we should be, you know, on the right path. One of the biggest things you have going for you is that you are on disability pension now.\n\nSo Centrelink has assessed that you're unable to go back to work, you know, essentially in the short term with regards\n\nChannel 1: Yeah.\n\nChannel 0: to this. So that does show a positive sign to help towards\n\nChannel 1: I'll\n\nChannel 0: going\n\nChannel 1: tell you\n\nChannel 0: towards\n\nChannel 1: what,\n\nChannel 0: the\n\nChannel 1: Dana.\n\nChannel 0: climb.\n\nChannel 1: I after I lodged a claim on the disability support,\n\nChannel 0: Yeah.\n\nChannel 1: well, weeks later, I've got a a phone call saying you've gotta sit for a settling doctor interview, which was on video conference and to allow an hour for the\n\nChannel 0: Yep.\n\nChannel 1: interview.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: I thought, oh, wow. This is pretty full on. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So anyway, the next day I did the interview at 08:00, got on, spoke with a doctor. She asked me two questions, and it went for about three minutes, and that was it.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: And I just thought, wow. Well, this is not gonna get up, is it? But it did, obviously. Yeah. So\n\nChannel 0: Yeah. Wow. Oh, well, that's good. That's a positive sign. That does show as much as it's disability and it's it's, you know, what you're going through isn't great.\n\nIt does show that, you know, there the the doctors are seeing that you're not able to go back to your role, that you're not able to work at the moment due to what you're dealing with and what you know, your health. So it does go a long way to showing that there is there is, you know, a small chance of going back to work. So we'll\n\nChannel 1: Yeah.\n\nChannel 0: certainly see how we go.\n\nChannel 1: Speaking with the cardiologist, like, with how it all started, he because he's thinking it could be sleep apnea.\n\nChannel 0: Yeah. Right. Have you had\n\nChannel 1: Because,\n\nChannel 0: sleep apnea for\n\nChannel 1: yeah,\n\nChannel 0: years?\n\nChannel 1: I\n\nChannel 0: Or\n\nChannel 1: know I know I've got it. I did a test for it. It's part of the menu that I had to do for the cardiologist, but it was in inclusive because I did it at home. You gotta wear all this crap on me, and you just can't sleep with it on you.\n\nChannel 0: Oh, yeah. It's noisy too, isn't it?\n\nChannel 1: Oh, gosh. Anyhow, they did say, yeah, look, your heart stopped several times through the night.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: I'll see what actually stopped. He said, yeah. Under severe circumstances, your heart actually stops, and then you bang get this boost of adrenaline, and your\n\nChannel 0: Yeah.\n\nChannel 1: heart bites you up again.\n\nChannel 0: Oh, wow.\n\nChannel 1: So he said, and that's why you may wake up feeling like you've gotta hang out.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I do sometimes. But I I've gotta go back and have another sleep test, and it's like a big out well, it's not a big out of pocket cost, but it's it's an out of pocket cost that I can't afford at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: And so I'll probably get out of the hospital and have another procedure to get the test done, so which is just day surgery.\n\nChannel 0: Yeah.\n\nChannel 1: That's that's more important at the moment. So\n\nChannel 0: Yeah. Absolutely. What's the day surgery procedure for? Is it the\n\nChannel 1: it's so when December, I had to have a blood transfusion because I had no hemoglobin. So\n\nChannel 0: Yep.\n\nChannel 1: they were unable to do a colonoscopy because they didn't wanna put me under because they stand out.\n\nChannel 0: Yeah.\n\nChannel 1: I had the heart condition at the same time.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So they wouldn't need to anesthetize me.\n\nChannel 0: Okay.\n\nChannel 1: So now that I'm stable, I've been I've already seen the the specialist, and I've just got the paperwork. I've gotta take the hospital and book it in now to have it done.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So it's just day surgery. I don't think it even takes an hour in there, but so that's where they get a camera being both ends.\n\nChannel 0: Yeah.\n\nChannel 1: No nice way of putting it.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Just\n\nChannel 0: Oh,\n\nChannel 1: to see what's going on and make sure everything's\n\nChannel 0: yep.\n\nChannel 1: right.\n\nChannel 0: Yeah. Well, hopefully, it all goes well, and, yeah, let us know how you go. And if anything else comes out of it, and we'll make sure we keep following up and, you know, chatting to see how things go this to go towards getting that claim processed for you.\n\nChannel 1: Yeah. Yep. Fair enough.\n\nChannel 0: Yeah. All good. Well, I will let you go to have a read to the document. Let me know if you do happen to have any questions there, James. And, again, if you're just happy to take on the recommendations, I'll get you to sign and return that one back to\n\nChannel 1: Yep.\n\nChannel 0: me.\n\nChannel 1: Yep.\n\nChannel 0: Did you\n\nChannel 1: All\n\nChannel 0: want me\n\nChannel 1: good.\n\nChannel 0: to do a bit of a catch up with you in the next sort of three or six months? What would you like to see moving forward?\n\nChannel 1: Yeah. Yeah. Three months, I suppose.\n\nChannel 0: Three\n\nChannel 1: Yeah. That's\n\nChannel 0: months?\n\nChannel 1: probably\n\nChannel 0: Yep.\n\nChannel 1: probably a good one.\n\nChannel 0: Yep. That's absolutely fine. I'll pop it in the calendar there for you. My team will give you a call in three months and book you in, and we'll do a bit of a catch up and see how things have been going after implementing this for you.\n\nChannel 1: I\n\nChannel 0: Okay?\n\nChannel 1: see that. Very good.\n\nChannel 0: No worries. Well, I will let you go. You have a good day. I hope everything goes well, and, yes, enjoy\n\nChannel 1: Thanks,\n\nChannel 0: your day.\n\nChannel 1: Diana. Have a good one.\n\nChannel 0: My pleasure. No worries at all. Thank you very much for your time this morning, James. I'll talk to you\n\nChannel 1: Thanks, Diana. Bye.\n\nChannel 0: soon. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.03836512565612793}],"sentiment":"neutral","sentiment_score":0.03836512565612793,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, James.","start":6.7999997,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.1446051299571991},{"text":"It's Dana from Oakview Financial.","start":7.3599997,"end":8.98,"sentiment":"neutral","sentiment_score":0.17224340438842772},{"text":"How are you this morning?","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":0.2289998859167099}],"sentiment":"neutral","sentiment_score":0.19128555928667387,"channel":0,"num_words":12,"start":6.7999997,"end":10.34},{"sentences":[{"text":"Yeah.","start":10.559999,"end":10.8,"sentiment":"neutral","sentiment_score":0.33048170804977417},{"text":"Good, darling.","start":10.8,"end":11.5199995,"sentiment":"positive","sentiment_score":0.725197970867157},{"text":"How are you?","start":11.5199995,"end":12.259999,"sentiment":"positive","sentiment_score":0.5372647146383921}],"sentiment":"positive","sentiment_score":0.5654452989498774,"channel":1,"num_words":6,"start":10.559999,"end":12.259999},{"sentences":[{"text":"I'm very well.","start":12.575001,"end":13.375,"sentiment":"positive","sentiment_score":0.6812296509742737},{"text":"Thank you.","start":13.375,"end":13.775001,"sentiment":"positive","sentiment_score":0.7723256945610046},{"text":"I just had to go through your updated advice document.","start":13.775001,"end":16.835,"sentiment":"positive","sentiment_score":0.4334927678108215},{"text":"Is now still a good time there for you?","start":16.895,"end":18.995,"sentiment":"neutral","sentiment_score":0.3167908986409505}],"sentiment":"positive","sentiment_score":0.44893275449673337,"channel":0,"num_words":24,"start":12.575001,"end":18.995},{"sentences":[{"text":"Yeah.","start":19.505001,"end":19.985,"sentiment":"neutral","sentiment_score":0.12989912927150726},{"text":"Yep.","start":19.985,"end":20.485,"sentiment":"neutral","sentiment_score":0.104318767786026}],"sentiment":"neutral","sentiment_score":0.11710894852876663,"channel":1,"num_words":2,"start":19.505001,"end":20.485},{"sentences":[{"text":"Yep.","start":20.654999,"end":21.154999,"sentiment":"neutral","sentiment_score":0.200975701212883},{"text":"Fantastic.","start":21.215,"end":21.715,"sentiment":"positive","sentiment_score":0.5938329100608826},{"text":"Do you happen to have access to your email here at the moment as well?","start":22.255001,"end":25.475,"sentiment":"neutral","sentiment_score":0.14328311483065287}],"sentiment":"neutral","sentiment_score":0.17317972551373875,"channel":0,"num_words":17,"start":20.654999,"end":25.475},{"sentences":[{"text":"I just turned","start":25.89,"end":27.97,"sentiment":"neutral","sentiment_score":-0.026494736472765606}],"sentiment":"neutral","sentiment_score":-0.026494736472765606,"channel":1,"num_words":3,"start":25.89,"end":27.97},{"sentences":[{"text":"It's","start":27.78,"end":28.28,"sentiment":"neutral","sentiment_score":-0.05745059996843338}],"sentiment":"neutral","sentiment_score":-0.05745059996843338,"channel":0,"num_words":1,"start":27.78,"end":28.28},{"sentences":[{"text":"my computer off, actually.","start":27.97,"end":29.509998,"sentiment":"neutral","sentiment_score":-0.07608774676918983}],"sentiment":"neutral","sentiment_score":-0.07608774676918983,"channel":1,"num_words":4,"start":27.97,"end":29.509998},{"sentences":[{"text":"that's okay.","start":29.86,"end":30.42,"sentiment":"neutral","sentiment_score":0.02026616409420967},{"text":"If you don't, that's absolutely fine.","start":30.42,"end":32.100002,"sentiment":"neutral","sentiment_score":0.044099857254574694},{"text":"I can email it through, and I can run you through the recommendations.","start":32.100002,"end":35.0,"sentiment":"neutral","sentiment_score":0.21523678990510794},{"text":"They're honestly","start":35.38,"end":36.420002,"sentiment":"neutral","sentiment_score":0.20036637037992477}],"sentiment":"neutral","sentiment_score":0.15234532527139652,"channel":0,"num_words":23,"start":29.86,"end":36.420002},{"sentences":[{"text":"Okay.","start":36.29,"end":36.77,"sentiment":"neutral","sentiment_score":0.17777608335018158}],"sentiment":"neutral","sentiment_score":0.17777608335018158,"channel":1,"num_words":1,"start":36.29,"end":36.77},{"sentences":[{"text":"not too","start":36.420002,"end":37.16,"sentiment":"neutral","sentiment_score":0.13044673949480057}],"sentiment":"neutral","sentiment_score":0.13044673949480057,"channel":0,"num_words":2,"start":36.420002,"end":37.16},{"sentences":[{"text":"Yep.","start":36.77,"end":37.27,"sentiment":"neutral","sentiment_score":0.10877907276153564}],"sentiment":"neutral","sentiment_score":0.10877907276153564,"channel":1,"num_words":1,"start":36.77,"end":37.27},{"sentences":[{"text":"difficult.","start":37.3,"end":37.8,"sentiment":"neutral","sentiment_score":0.19714131951332092},{"text":"And then you're welcome to take some time to have a little read of them later when you've got your computer back on, and you've got maybe a cup of tea or coffee in front of you.","start":37.86,"end":45.015,"sentiment":"neutral","sentiment_score":0.23946588466296326},{"text":"How does that sound?","start":45.015,"end":46.075,"sentiment":"neutral","sentiment_score":0.12858222797513008}],"sentiment":"neutral","sentiment_score":0.227897808665321,"channel":0,"num_words":42,"start":37.3,"end":46.075},{"sentences":[{"text":"Yeah.","start":46.005,"end":46.405,"sentiment":"neutral","sentiment_score":0.25436556339263916},{"text":"It sounds good.","start":46.405,"end":47.205,"sentiment":"positive","sentiment_score":0.42865366737047833},{"text":"I've got a buddy.","start":47.205,"end":48.505,"sentiment":"neutral","sentiment_score":0.06584101542830467},{"text":"I think it's 12 year old Apple Mac, and she's on fast legs, I think.","start":48.885002,"end":53.465,"sentiment":"neutral","sentiment_score":0.002526977782448133}],"sentiment":"neutral","sentiment_score":0.0800693606066963,"channel":1,"num_words":23,"start":46.005,"end":53.465},{"sentences":[{"text":"Sounds like she's struggling a 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having that in there.","start":834.58,"end":843.38,"sentiment":"neutral","sentiment_score":-0.0058723135340598325},{"text":"It's seen as one of those, We call them satellites where you're taking a little bit more risk and branching out into other areas to try and get","start":843.38,"end":850.575,"sentiment":"neutral","sentiment_score":-0.009331392057772194}],"sentiment":"neutral","sentiment_score":0.02248024705073072,"channel":0,"num_words":72,"start":830.98004,"end":850.575},{"sentences":[{"text":"Yeah.","start":850.33,"end":850.83,"sentiment":"neutral","sentiment_score":0.0016528572887182236}],"sentiment":"neutral","sentiment_score":0.0016528572887182236,"channel":1,"num_words":1,"start":850.33,"end":850.83},{"sentences":[{"text":"greater growth.","start":850.575,"end":851.475,"sentiment":"neutral","sentiment_score":0.005596335977315903},{"text":"We still wanna hold some of that, but we just wanna reduce your exposure to 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to 20%, and that is because we are removing the bank hybrids.","start":865.67,"end":873.51,"sentiment":"neutral","sentiment_score":0.0025087231770157814},{"text":"So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out.","start":873.51,"end":882.255,"sentiment":"neutral","sentiment_score":-0.00109048867598176},{"text":"So we need to put the money into something defensive.","start":882.255,"end":884.59503,"sentiment":"neutral","sentiment_score":0.04294179491698742},{"text":"So the","start":884.895,"end":885.29504,"sentiment":"neutral","sentiment_score":0.11430617049336433}],"sentiment":"neutral","sentiment_score":0.014054048592476425,"channel":0,"num_words":74,"start":863.11,"end":885.29504},{"sentences":[{"text":"Mhmm.","start":885.255,"end":885.755,"sentiment":"neutral","sentiment_score":0.09918712079524994}],"sentiment":"neutral","sentiment_score":0.09918712079524994,"channel":1,"num_words":1,"start":885.255,"end":885.755},{"sentences":[{"text":"core composite bonds is what's gonna hold that for you.","start":885.29504,"end":888.09,"sentiment":"neutral","sentiment_score":0.16926800608634948},{"text":"It is really good.","start":888.33,"end":889.05005,"sentiment":"positive","sentiment_score":0.7438849061727524},{"text":"It's giving you exposure to government as well as corporate bonds.","start":889.05005,"end":892.75,"sentiment":"positive","sentiment_score":0.5213548270138827},{"text":"Bonds are good for income producing.","start":893.05005,"end":894.91003,"sentiment":"positive","sentiment_score":0.430962935090065},{"text":"They pay coupon or income payments generally quarterly or monthly, and those income payments get distributed into your super and redistributed throughout the portfolio.","start":895.29004,"end":904.13495,"sentiment":"positive","sentiment_score":0.37499139706293744}],"sentiment":"positive","sentiment_score":0.3997944349592382,"channel":0,"num_words":55,"start":885.29504,"end":904.13495},{"sentences":[{"text":"So it's compounding there for you.","start":904.27496,"end":906.195,"sentiment":"neutral","sentiment_score":0.33169448375701904},{"text":"Okay?","start":906.195,"end":906.695,"sentiment":"neutral","sentiment_score":0.13756930828094482}],"sentiment":"neutral","sentiment_score":0.30396231583186556,"channel":0,"num_words":7,"start":904.27496,"end":906.695},{"sentences":[{"text":"Okay.","start":906.68,"end":907.18,"sentiment":"neutral","sentiment_score":0.15071958303451538}],"sentiment":"neutral","sentiment_score":0.15071958303451538,"channel":1,"num_words":1,"start":906.68,"end":907.18},{"sentences":[{"text":"We've got the S and P 500.","start":907.95496,"end":909.71497,"sentiment":"neutral","sentiment_score":0.17635237744876317},{"text":"You hold about 26% at the moment.","start":909.71497,"end":912.13495,"sentiment":"neutral","sentiment_score":0.1419634840318135},{"text":"So because we're lowering your risk level, we're lowering some of these defensive assets.","start":912.435,"end":916.77,"sentiment":"neutral","sentiment_score":0.2255567173872675},{"text":"So we're reducing it down to 20%.","start":916.85004,"end":919.19,"sentiment":"neutral","sentiment_score":0.220676594546863},{"text":"The S and P 500 is still a great place to be.","start":919.97003,"end":922.77,"sentiment":"positive","sentiment_score":0.6317540009816488}],"sentiment":"neutral","sentiment_score":0.30876147334880016,"channel":0,"num_words":47,"start":907.95496,"end":922.77},{"sentences":[{"text":"The one thing I like about the S and P 500 is is it tracks the S and P 500 index, which is essentially tracking the top 500 companies on The US market.","start":922.77,"end":933.585,"sentiment":"neutral","sentiment_score":0.23388391281619217},{"text":"And because you are tracking the indices, essentially, where a company no longer meets the criteria to be in the index, it's also removed from these investment options as well.","start":933.885,"end":940.6717,"sentiment":"neutral","sentiment_score":0.13889735403160255},{"text":"So you're always tracking the top 500 companies.","start":940.6717,"end":941.42505,"sentiment":"neutral","sentiment_score":0.1693857330828905},{"text":"Options as well.","start":943.23,"end":943.95,"sentiment":"neutral","sentiment_score":0.12271390358606975},{"text":"So you're always tracking the top 500 companies, and","start":943.95,"end":947.55,"sentiment":"neutral","sentiment_score":0.14567222446203232}],"sentiment":"neutral","sentiment_score":0.17975141372845835,"channel":0,"num_words":83,"start":922.77,"end":947.55},{"sentences":[{"text":"Yep.","start":947.175,"end":947.55,"sentiment":"neutral","sentiment_score":0.09680849313735962}],"sentiment":"neutral","sentiment_score":0.09680849313735962,"channel":1,"num_words":1,"start":947.175,"end":947.55},{"sentences":[{"text":"companies that don't qualify are removed out of there for you.","start":947.55,"end":951.14996,"sentiment":"neutral","sentiment_score":0.09589077312160622},{"text":"So it is a really good thing to do.","start":951.14996,"end":953.23,"sentiment":"positive","sentiment_score":0.46970228022999233},{"text":"Tracking indices does provide greater growth.","start":953.23,"end":955.665,"sentiment":"positive","sentiment_score":0.3398307263851166},{"text":"It's also giving you diversification because instead of holding, you know, 10 or 20 investments, you're tracking 500 across The US, across different areas and asset allocations and different.","start":955.985,"end":966.96497,"sentiment":"neutral","sentiment_score":0.19496514211440907},{"text":"Sorry.","start":969.04,"end":969.36,"sentiment":"neutral","sentiment_score":-0.026406794786453247}],"sentiment":"neutral","sentiment_score":0.23122653055803052,"channel":0,"num_words":56,"start":947.55,"end":969.36},{"sentences":[{"text":"The the word I'm thinking was just jumped in my head.","start":969.36,"end":971.27997,"sentiment":"neutral","sentiment_score":-0.05438236045566472},{"text":"I'm so sorry.","start":971.27997,"end":972.1,"sentiment":"neutral","sentiment_score":-0.044532706340154014}],"sentiment":"neutral","sentiment_score":-0.05227172028805528,"channel":0,"num_words":14,"start":969.36,"end":972.1},{"sentences":[{"text":"You're","start":972.485,"end":972.985,"sentiment":"neutral","sentiment_score":-0.02062351442873478}],"sentiment":"neutral","sentiment_score":-0.02062351442873478,"channel":1,"num_words":1,"start":972.485,"end":972.985},{"sentences":[{"text":"But it is good.","start":972.63995,"end":973.44,"sentiment":"neutral","sentiment_score":0.14439283590763807},{"text":"It is giving you diversification across different assets, across different","start":973.44,"end":977.19995,"sentiment":"neutral","sentiment_score":0.20042382106184958}],"sentiment":"neutral","sentiment_score":0.18441496816064631,"channel":0,"num_words":14,"start":972.63995,"end":977.19995},{"sentences":[{"text":"Yeah.","start":976.82,"end":977.32,"sentiment":"neutral","sentiment_score":0.0763973742723465}],"sentiment":"neutral","sentiment_score":0.0763973742723465,"channel":1,"num_words":1,"start":976.82,"end":977.32},{"sentences":[{"text":"areas.","start":977.19995,"end":977.6,"sentiment":"neutral","sentiment_score":0.1054316908121109},{"text":"It's","start":977.6,"end":977.83997,"sentiment":"neutral","sentiment_score":0.11428549140691756}],"sentiment":"neutral","sentiment_score":0.10985859110951424,"channel":0,"num_words":2,"start":977.19995,"end":977.83997},{"sentences":[{"text":"Yep.","start":977.78,"end":978.28,"sentiment":"neutral","sentiment_score":0.10480480641126633}],"sentiment":"neutral","sentiment_score":0.10480480641126633,"channel":1,"num_words":1,"start":977.78,"end":978.28},{"sentences":[{"text":"different parts of the country.","start":977.83997,"end":979.62,"sentiment":"neutral","sentiment_score":0.11369329392910003},{"text":"And, also, you know, you're looking at some financials.","start":979.75995,"end":982.74,"sentiment":"neutral","sentiment_score":0.10033225350909764},{"text":"You're looking at some industry as well, so across different areas within The US market as well.","start":982.8,"end":987.89496,"sentiment":"neutral","sentiment_score":0.12699338618446798},{"text":"So it's","start":987.89496,"end":988.375,"sentiment":"neutral","sentiment_score":0.1402224823832512}],"sentiment":"neutral","sentiment_score":0.11850876609484355,"channel":0,"num_words":33,"start":977.83997,"end":988.375},{"sentences":[{"text":"Okay.","start":988.305,"end":988.805,"sentiment":"neutral","sentiment_score":0.2043604850769043}],"sentiment":"neutral","sentiment_score":0.2043604850769043,"channel":1,"num_words":1,"start":988.305,"end":988.805},{"sentences":[{"text":"really good to have in there for you.","start":988.375,"end":989.975,"sentiment":"neutral","sentiment_score":0.32826030254364014},{"text":"I apologize.","start":989.975,"end":990.615,"sentiment":"neutral","sentiment_score":-0.0503713209182024},{"text":"I got a bit tongue tied there.","start":990.615,"end":991.89496,"sentiment":"neutral","sentiment_score":-0.14018673769065312},{"text":"I got my the word jumped out of my brain.","start":991.89496,"end":994.315,"sentiment":"neutral","sentiment_score":-0.0947206400334835}],"sentiment":"neutral","sentiment_score":0.022104674605307757,"channel":0,"num_words":27,"start":988.375,"end":994.315},{"sentences":[{"text":"Oh, you're doing better than what I would.","start":994.625,"end":996.725,"sentiment":"positive","sentiment_score":0.5142287611961365}],"sentiment":"positive","sentiment_score":0.5142287611961365,"channel":1,"num_words":8,"start":994.625,"end":996.725},{"sentences":[{"text":"You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well.","start":999.1,"end":1006.77997,"sentiment":"neutral","sentiment_score":0.23530540416638057},{"text":"Property has seen some great growth over the past couple of years, but we just wanna reduce the risk level.","start":1006.77997,"end":1011.66,"sentiment":"positive","sentiment_score":0.42847664952278136},{"text":"So it's about altering some of the investments in there.","start":1011.66,"end":1015.175,"sentiment":"neutral","sentiment_score":0.16326769664883614}],"sentiment":"neutral","sentiment_score":0.28768953469892344,"channel":0,"num_words":60,"start":999.1,"end":1015.175},{"sentences":[{"text":"Yep.","start":1015.81,"end":1016.295,"sentiment":"neutral","sentiment_score":0.12079495191574097}],"sentiment":"neutral","sentiment_score":0.12079495191574097,"channel":1,"num_words":1,"start":1015.81,"end":1016.295},{"sentences":[{"text":"We are removing also the Raffy a 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Rafi, we're removing that one.","start":1026.835,"end":1029.5901,"sentiment":"neutral","sentiment_score":0.012204764144761222},{"text":"We're gonna keep about 10% in it.","start":1029.7301,"end":1031.7301,"sentiment":"neutral","sentiment_score":0.09821354278496333},{"text":"So we're removing most of it.","start":1031.7301,"end":1033.43,"sentiment":"neutral","sentiment_score":0.04499122438331445},{"text":"We are keeping about 10% in there in your newer portfolio about reducing it back a little bit because we are also removing the ban along Australian equities, and we're also then putting you into the beta shares a 200.","start":1033.49,"end":1045.065,"sentiment":"neutral","sentiment_score":0.13550948370248078},{"text":"So by removing the Raffi a 200 and also then removing oh, removing some of the Raffi a 200 and removing Bannalong and then buying into the beta shares a 200, it's making sure you're not overexposed but giving you some exposure into the Australian market as 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Along Australian Equities investments, which you were holding, as I kind of probably explained when we did the annual review, the Banna Long investment team, they are trying to outperform against the market they are supposed to be actively managing, and they've had some trouble with that in the past few months, and that's why the investment itself has been underperforming.","start":1065.25,"end":1084.4349,"sentiment":"neutral","sentiment_score":-0.06800055147281715}],"sentiment":"neutral","sentiment_score":-0.06800055147281715,"channel":0,"num_words":70,"start":1065.25,"end":1084.4349},{"sentences":[{"text":"Okay.","start":1085.595,"end":1086.095,"sentiment":"neutral","sentiment_score":0.09437556564807892}],"sentiment":"neutral","sentiment_score":0.09437556564807892,"channel":1,"num_words":1,"start":1085.595,"end":1086.095},{"sentences":[{"text":"So by removing that out out of there and putting it into the a 200, you're actually also increasing your diversification, which is great for 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diversification, which is important for mitigating or reducing risk as well.","start":1119.63,"end":1125.23,"sentiment":"positive","sentiment_score":0.39593759391989025},{"text":"Now does that make sense?","start":1125.23,"end":1126.4299,"sentiment":"neutral","sentiment_score":0.09706449955701828},{"text":"Do you wanna ask","start":1126.4299,"end":1127.39,"sentiment":"neutral","sentiment_score":0.02386028179898858}],"sentiment":"neutral","sentiment_score":0.2662560843417178,"channel":0,"num_words":23,"start":1119.63,"end":1127.39},{"sentences":[{"text":"Yes.","start":1127.35,"end":1127.75,"sentiment":"neutral","sentiment_score":0.051042310893535614}],"sentiment":"neutral","sentiment_score":0.051042310893535614,"channel":1,"num_words":1,"start":1127.35,"end":1127.75},{"sentences":[{"text":"me anything","start":1127.39,"end":1128.0299,"sentiment":"neutral","sentiment_score":0.03860948421061039}],"sentiment":"neutral","sentiment_score":0.03860948421061039,"channel":0,"num_words":2,"start":1127.39,"end":1128.0299},{"sentences":[{"text":"Yep.","start":1127.75,"end":1128.25,"sentiment":"neutral","sentiment_score":0.04385027289390564}],"sentiment":"neutral","sentiment_score":0.04385027289390564,"channel":1,"num_words":1,"start":1127.75,"end":1128.25},{"sentences":[{"text":"so far?","start":1128.0299,"end":1128.69,"sentiment":"neutral","sentiment_score":0.033335765823721886}],"sentiment":"neutral","sentiment_score":0.033335765823721886,"channel":0,"num_words":2,"start":1128.0299,"end":1128.69},{"sentences":[{"text":"No.","start":1129.235,"end":1129.555,"sentiment":"neutral","sentiment_score":-0.00559551827609539},{"text":"That's that makes 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great.","start":1140.795,"end":1141.915,"sentiment":"positive","sentiment_score":0.6315720826387405}],"sentiment":"neutral","sentiment_score":0.3238529631724724,"channel":0,"num_words":26,"start":1131.755,"end":1141.915},{"sentences":[{"text":"It's about giving you protections against the Australian dollar, and we're gonna hold about 5% in that investment.","start":1141.915,"end":1148.37,"sentiment":"positive","sentiment_score":0.42219969464672935},{"text":"And then other defensive investments because we're looking to keep more defensive investments in your portfolio, we're gonna have high interest cash accounts.","start":1148.83,"end":1156.85,"sentiment":"neutral","sentiment_score":0.22955724078675974},{"text":"So high interest cash is looking at investing money in high yields.","start":1157.255,"end":1161.3351,"sentiment":"neutral","sentiment_score":0.2174815498292446},{"text":"So getting income producing will hold 5% in those for 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wanted to look at was because you're not able to make contributions at the moment, we wanna make sure your portfolio is producing some income.","start":1176.12,"end":1184.14,"sentiment":"neutral","sentiment_score":0.042642535710776294},{"text":"So income that gets put into your cash account, and then we can reinvest into your portfolio, and that will help with the compounding effect, essentially.","start":1184.52,"end":1192.2949,"sentiment":"neutral","sentiment_score":0.17167281817931396},{"text":"That way, we're not relying solely on 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plus growth helps to, you know, diversify your portfolio and and make that compounding work a little bit harder.","start":1195.4149,"end":1203.33,"sentiment":"neutral","sentiment_score":0.2866755112384756},{"text":"I've tried to go through that a little bit easier to make it easier on you.","start":1203.71,"end":1206.91,"sentiment":"neutral","sentiment_score":0.2544848471879959},{"text":"Do you have any questions currently?","start":1206.91,"end":1209.09,"sentiment":"neutral","sentiment_score":0.08022871613502502},{"text":"Did you want me to kinda break anything more down for you?","start":1209.15,"end":1212.03,"sentiment":"neutral","sentiment_score":0.048622175275037684},{"text":"Or","start":1212.03,"end":1212.53,"sentiment":"neutral","sentiment_score":-0.008790981024503708}],"sentiment":"neutral","sentiment_score":0.20352571599690591,"channel":0,"num_words":59,"start":1195.4149,"end":1212.53},{"sentences":[{"text":"No.","start":1212.375,"end":1212.855,"sentiment":"neutral","sentiment_score":-0.052995629608631134},{"text":"That's I'll I'll go over it a bit when we finish your conversation, but, 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your risk by reducing those growth assets and then having more investment as defensive lower risk investments there.","start":1430.185,"end":1437.145,"sentiment":"neutral","sentiment_score":0.14971018268873817},{"text":"Okay.","start":1437.145,"end":1437.645,"sentiment":"neutral","sentiment_score":0.16672950983047485}],"sentiment":"neutral","sentiment_score":0.15056114904582502,"channel":0,"num_words":20,"start":1430.185,"end":1437.645},{"sentences":[{"text":"Yep.","start":1438.445,"end":1438.945,"sentiment":"neutral","sentiment_score":0.22691592574119568}],"sentiment":"neutral","sentiment_score":0.22691592574119568,"channel":1,"num_words":1,"start":1438.445,"end":1438.945},{"sentences":[{"text":"Beautiful.","start":1439.785,"end":1440.285,"sentiment":"positive","sentiment_score":0.4190627932548523},{"text":"If you go down to the next page, the next one's the fee comparison table, and this is kinda showing you the projected outcome based on what I've 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higher.","start":1454.56,"end":1458.16,"sentiment":"neutral","sentiment_score":0.005649313505273312},{"text":"There has been a slight pullback now.","start":1458.16,"end":1460.085,"sentiment":"negative","sentiment_score":-0.3401724823883602},{"text":"So there will be a slight change to what","start":1460.325,"end":1462.245,"sentiment":"neutral","sentiment_score":-0.0948901805612776}],"sentiment":"neutral","sentiment_score":-0.02833009712657956,"channel":0,"num_words":43,"start":1451.1201,"end":1462.245},{"sentences":[{"text":"Yes.","start":1462.24,"end":1462.74,"sentiment":"neutral","sentiment_score":-0.015162906609475613}],"sentiment":"neutral","sentiment_score":-0.015162906609475613,"channel":1,"num_words":1,"start":1462.24,"end":1462.74},{"sentences":[{"text":"we see when we complete","start":1462.245,"end":1463.365,"sentiment":"neutral","sentiment_score":0.004510276764631271}],"sentiment":"neutral","sentiment_score":0.004510276764631271,"channel":0,"num_words":5,"start":1462.245,"end":1463.365},{"sentences":[{"text":"Understood.","start":1463.12,"end":1463.62,"sentiment":"neutral","sentiment_score":0.0019141569500789048}],"sentiment":"neutral","sentiment_score":0.0019141569500789048,"channel":1,"num_words":1,"start":1463.12,"end":1463.62},{"sentences":[{"text":"them, but it's not a massive change here.","start":1463.365,"end":1465.945,"sentiment":"neutral","sentiment_score":-0.08823237894102931},{"text":"Essentially, when we with your current balance there, your current fees, the investment fees, you're currently paying $1.06 $5.09 in admin fees, $2.05 $9.02 in investment fees, your ongoing service fee there as well, which is 1.65% for capped at balances of $6,600,000, so you don't pay more than that 9,900.","start":1466.965,"end":1487.115,"sentiment":"neutral","sentiment_score":0.010954434005315324},{"text":"And then the insurance premiums, which we're keeping in the place, we're not removing any or altering any insurances because you are going through that claims process, but","start":1487.755,"end":1496.315,"sentiment":"neutral","sentiment_score":-0.03704181859003646}],"sentiment":"neutral","sentiment_score":-0.013613262273312342,"channel":0,"num_words":87,"start":1463.365,"end":1496.315},{"sentences":[{"text":"Yep.","start":1496.245,"end":1496.745,"sentiment":"neutral","sentiment_score":0.1200377196073532}],"sentiment":"neutral","sentiment_score":0.1200377196073532,"channel":1,"num_words":1,"start":1496.245,"end":1496.745},{"sentences":[{"text":"we'll review these down the track there for you as well.","start":1496.315,"end":1498.955,"sentiment":"neutral","sentiment_score":0.14257325502959164},{"text":"Okay?","start":1498.955,"end":1499.455,"sentiment":"neutral","sentiment_score":0.06412595510482788},{"text":"Yeah.","start":1500.26,"end":1500.76,"sentiment":"neutral","sentiment_score":0.07317279279232025},{"text":"Within that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level.","start":1500.8999,"end":1516.3551,"sentiment":"neutral","sentiment_score":0.0825498104095459},{"text":"Yeah.","start":1516.4951,"end":1516.9951,"sentiment":"neutral","sentiment_score":0.03385522961616516}],"sentiment":"neutral","sentiment_score":0.09227918436129888,"channel":0,"num_words":60,"start":1496.315,"end":1516.9951},{"sentences":[{"text":"So, essentially, once we complete the investments, which as I went through before, we do understand that your super fund has tax consequences.","start":1517.535,"end":1524.9951,"sentiment":"neutral","sentiment_score":0.03367672577176405},{"text":"Your super fund does a tax return just like you do every year, and it essentially does account for income and capital gains tax.","start":1525.6151,"end":1532.6901,"sentiment":"neutral","sentiment_score":0.0564729735100021},{"text":"And so after making the switch above, we estimate the capital gains to be $5,404, which essentially means that after the switch based on your current balance, we should see your super at about 618,071.","start":1532.91,"end":1547.525,"sentiment":"neutral","sentiment_score":0.05973768000091825},{"text":"That's taking everything into account.","start":1547.585,"end":1549.605,"sentiment":"neutral","sentiment_score":0.08585174530744552},{"text":"Does that make 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fine.","start":1551.785,"end":1552.605,"sentiment":"neutral","sentiment_score":0.21672391891479492}],"sentiment":"neutral","sentiment_score":0.21672391891479492,"channel":1,"num_words":2,"start":1551.785,"end":1552.605},{"sentences":[{"text":"Probably a little bit less now just because the balance has had a bit of a pullback, but, I mean, the markets do go up and down, and we could see it pull back up over $6.20 over the next few days there as well.","start":1552.5599,"end":1563.92,"sentiment":"neutral","sentiment_score":-0.07371917601364354},{"text":"Okay.","start":1563.92,"end":1564.42,"sentiment":"neutral","sentiment_score":0.04747563600540161}],"sentiment":"neutral","sentiment_score":-0.07108450618714256,"channel":0,"num_words":46,"start":1552.5599,"end":1564.42},{"sentences":[{"text":"Yeah.","start":1564.25,"end":1564.6499,"sentiment":"neutral","sentiment_score":0.06956081092357635},{"text":"That's 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portfolio.","start":1589.1,"end":1590.32,"sentiment":"positive","sentiment_score":0.5004225492477417},{"text":"Yeah.","start":1590.94,"end":1591.44,"sentiment":"neutral","sentiment_score":0.185901939868927},{"text":"The ongoing service fee does stay the exact same.","start":1593.035,"end":1595.995,"sentiment":"neutral","sentiment_score":0.17573429147402445},{"text":"Essentially, we just charge 1.65% for our services, and we cap that at 9,900 currently.","start":1595.995,"end":1603.455,"sentiment":"neutral","sentiment_score":0.11116394946972528},{"text":"So you won't pay any more than 9,900.","start":1604.155,"end":1606.635,"sentiment":"neutral","sentiment_score":0.08338564354926348}],"sentiment":"neutral","sentiment_score":0.1737938868372064,"channel":0,"num_words":38,"start":1589.1,"end":1606.635},{"sentences":[{"text":"We cap that currently at 100,000 for a balance.","start":1606.635,"end":1609.4099,"sentiment":"neutral","sentiment_score":0.08926030579540464},{"text":"So if we can get your balance up over $7,800,000, we're not currently charging 1.65% of that balance.","start":1609.4099,"end":1615.49,"sentiment":"neutral","sentiment_score":0.11402884653458993},{"text":"It's capped at 9,900 for 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the insurance premium stay exactly the same.","start":1620.2899,"end":1622.95,"sentiment":"neutral","sentiment_score":0.20429237000644207},{"text":"Underneath it, you'll see the balance portfolio.","start":1623.5751,"end":1625.995,"sentiment":"neutral","sentiment_score":0.1511152046067374},{"text":"So we've kinda gone back and had a look","start":1626.215,"end":1628.135,"sentiment":"neutral","sentiment_score":0.20839599106046888}],"sentiment":"neutral","sentiment_score":0.19090112209320068,"channel":0,"num_words":25,"start":1618.9299,"end":1628.135},{"sentences":[{"text":"sense.","start":1627.98,"end":1628.48,"sentiment":"neutral","sentiment_score":0.19139111042022705}],"sentiment":"neutral","sentiment_score":0.19139111042022705,"channel":1,"num_words":1,"start":1627.98,"end":1628.48},{"sentences":[{"text":"at how this balance portfolio has performed over the past five years.","start":1628.135,"end":1631.8151,"sentiment":"neutral","sentiment_score":0.2751837559044361},{"text":"It's showing the rolling average there, and, again, it's averaged about 9.59%.","start":1631.8151,"end":1636.82,"sentiment":"positive","sentiment_score":0.33365100622177124},{"text":"So it's kind of keeping on par.","start":1637.2,"end":1638.72,"sentiment":"positive","sentiment_score":0.38815307191440035},{"text":"It's actually provided a little bit more of a return in the growth portfolio whilst reducing your risk.","start":1638.72,"end":1643.62,"sentiment":"positive","sentiment_score":0.42140326897303265},{"text":"However, we know this is past performance.","start":1644.16,"end":1646.58,"sentiment":"neutral","sentiment_score":-0.035845965679202764}],"sentiment":"neutral","sentiment_score":0.3099540309049189,"channel":0,"num_words":56,"start":1628.135,"end":1646.58},{"sentences":[{"text":"We're not guaranteed to get 9% every year.","start":1646.64,"end":1649.295,"sentiment":"neutral","sentiment_score":-0.05051448941230774},{"text":"What we wanna kinda do is keep that compounding working as 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there.","start":1653.935,"end":1663.395,"sentiment":"neutral","sentiment_score":0.24427936050821752},{"text":"Okay?","start":1663.4551,"end":1663.9551,"sentiment":"neutral","sentiment_score":0.233646422624588}],"sentiment":"neutral","sentiment_score":0.243975562282971,"channel":0,"num_words":35,"start":1653.935,"end":1663.9551},{"sentences":[{"text":"Very good.","start":1665.555,"end":1666.375,"sentiment":"positive","sentiment_score":0.519939512014389}],"sentiment":"positive","sentiment_score":0.519939512014389,"channel":1,"num_words":2,"start":1665.555,"end":1666.375},{"sentences":[{"text":"Yeah.","start":1666.8701,"end":1667.3701,"sentiment":"neutral","sentiment_score":0.2398771345615387},{"text":"So we do know because we're reducing risk and because the CDK consequences over the next three years, we see your balance a lot a little under where it would be if you stayed in the growth portfolio.","start":1667.43,"end":1678.65,"sentiment":"neutral","sentiment_score":0.17770689686662272},{"text":"But over","start":1679.295,"end":1679.775,"sentiment":"neutral","sentiment_score":0.13441286981105804}],"sentiment":"neutral","sentiment_score":0.1771113403686663,"channel":0,"num_words":41,"start":1666.8701,"end":1679.775},{"sentences":[{"text":"Yes.","start":1679.5499,"end":1680.0499,"sentiment":"neutral","sentiment_score":0.18150629103183744}],"sentiment":"neutral","sentiment_score":0.18150629103183744,"channel":1,"num_words":1,"start":1679.5499,"end":1680.0499},{"sentences":[{"text":"the next five years, we can see that make up and provide you know, it compounds a bit faster and does make up that difference and does show a greater performance over the next five years as well.","start":1679.775,"end":1691.395,"sentiment":"positive","sentiment_score":0.34405868186762456},{"text":"Okay.","start":1691.4551,"end":1691.9551,"sentiment":"neutral","sentiment_score":0.10273130238056184}],"sentiment":"positive","sentiment_score":0.33787080034231526,"channel":0,"num_words":39,"start":1679.775,"end":1691.9551},{"sentences":[{"text":"Yeah.","start":1691.715,"end":1692.215,"sentiment":"neutral","sentiment_score":0.084450364112854}],"sentiment":"neutral","sentiment_score":0.084450364112854,"channel":1,"num_words":1,"start":1691.715,"end":1692.215},{"sentences":[{"text":"Yeah.","start":1693.03,"end":1693.53,"sentiment":"neutral","sentiment_score":0.07647043466567993},{"text":"Do you have any questions in relation to any of that?","start":1693.99,"end":1696.47,"sentiment":"neutral","sentiment_score":0.09986644305966118},{"text":"You're welcome to ask me anything you like at the moment.","start":1696.47,"end":1699.37,"sentiment":"neutral","sentiment_score":0.17476683990521866}],"sentiment":"neutral","sentiment_score":0.1346711542295373,"channel":0,"num_words":23,"start":1693.03,"end":1699.37},{"sentences":[{"text":"No.","start":1699.47,"end":1699.79,"sentiment":"neutral","sentiment_score":0.027588600292801857},{"text":"That's I think that's pretty straightforward and set out set","start":1699.79,"end":1703.0701,"sentiment":"neutral","sentiment_score":0.1807089328765869}],"sentiment":"neutral","sentiment_score":0.16678890264169735,"channel":1,"num_words":11,"start":1699.47,"end":1703.0701},{"sentences":[{"text":"Yeah.","start":1702.79,"end":1703.29,"sentiment":"neutral","sentiment_score":0.05158740282058716}],"sentiment":"neutral","sentiment_score":0.05158740282058716,"channel":0,"num_words":1,"start":1702.79,"end":1703.29},{"sentences":[{"text":"out pretty well, so that's good.","start":1703.0701,"end":1705.0901,"sentiment":"positive","sentiment_score":0.6408267915248871}],"sentiment":"positive","sentiment_score":0.6408267915248871,"channel":1,"num_words":6,"start":1703.0701,"end":1705.0901},{"sentences":[{"text":"Beautiful.","start":1704.645,"end":1705.145,"sentiment":"positive","sentiment_score":0.8014764189720154},{"text":"Excellent.","start":1705.605,"end":1706.105,"sentiment":"positive","sentiment_score":0.7226986885070801},{"text":"I will show you on page number 23 as well there.","start":1706.725,"end":1709.605,"sentiment":"neutral","sentiment_score":0.2682483656839891},{"text":"We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances.","start":1709.605,"end":1716.905,"sentiment":"neutral","sentiment_score":0.14823164120316507},{"text":"So this is just to sort of show you that we know insurance is coming out of super does have an impact on retirement.","start":1717.6901,"end":1722.91,"sentiment":"neutral","sentiment_score":0.09845815288523833}],"sentiment":"neutral","sentiment_score":0.17197430918091222,"channel":0,"num_words":57,"start":1704.645,"end":1722.91},{"sentences":[{"text":"The current and recommended are exactly the same as what's above in the projection table there.","start":1723.77,"end":1729.0701,"sentiment":"neutral","sentiment_score":0.12160007003694773},{"text":"However, the no insurance column shows that if under the same circumstances as what's recommended, you were not paying any insurance payments out of super, you 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next sort of three or six months?","start":2661.51,"end":2664.63,"sentiment":"neutral","sentiment_score":0.12614892658434415},{"text":"What would you like to see moving forward?","start":2664.63,"end":2666.65,"sentiment":"neutral","sentiment_score":0.11276432406157255}],"sentiment":"neutral","sentiment_score":0.12218311842944887,"channel":0,"num_words":27,"start":2661.51,"end":2666.65},{"sentences":[{"text":"Yeah.","start":2667.7102,"end":2668.03,"sentiment":"neutral","sentiment_score":0.10303378105163574},{"text":"Yeah.","start":2668.03,"end":2668.53,"sentiment":"neutral","sentiment_score":0.05571788176894188},{"text":"Three months, I 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They emphasize the need to update the beneficiary's legal information and trust in the company's ability to help with claims. The speaker emphasizes the importance of updating the beneficiary's legal information and staying on top of things, as well as the challenges of claiming on a PLA claim and the importance of staying on top of things. They also mention upcoming follow-up calls to discuss the claim and provide recommendations for the claim process."},"intents":{"segments":[{"text":"I just had to go through your updated advice document. Is now still a good time there for you? Yeah.","start_word":24,"end_word":43,"intents":[{"intent":"Review advice document","confidence_score":0.1243654}]},{"text":"Do you happen to have access to your email here at the moment as well?","start_word":47,"end_word":61,"intents":[{"intent":"Access email","confidence_score":0.20525493}]},{"text":"I can email it through, and I can run you through the recommendations. 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Okay?","start_word":301,"end_word":340,"intents":[{"intent":"Understand changes","confidence_score":0.000103942744},{"intent":"Assist with recommendations","confidence_score":0.002222848}]},{"text":"Now, James, just before we jump into the call properly, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that? Yep.","start_word":342,"end_word":380,"intents":[{"intent":"Proceed with calls","confidence_score":0.01628221}]},{"text":"And, also, just to do security there with you as well, just to confirm your full name, your date of birth, and address that I should have on file for you. 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So we're looking at just sort of switching your investments, removing anything underperforming, but also lowering your risk level as well.","start_word":508,"end_word":582,"intents":[{"intent":"Decrease risk level","confidence_score":0.000497762}]},{"text":"at the moment, you were hoping to hoping to be able to access super around about age 60. You've also got your PPD and income protection in there, which with the help of our team, we are trying to sort of see if we can get a claim going there for you as well. And I believe Yep.","start_word":585,"end_word":642,"intents":[{"intent":"Access super super","confidence_score":0.44373798}]},{"text":"you're on disability pension now. They've changed that from JobSeeker for you. Is that right? Yeah.","start_word":643,"end_word":658,"intents":[{"intent":"Provide benefits","confidence_score":0.015153812},{"intent":"Apply disability pension","confidence_score":0.0023093957}]},{"text":"some additional information, Yep. which I've sent them. Luckily, I had copies of everything. Yep. So I've sent that off. The only thing I didn't send off is they wanted my employer to Yes. fill out some form, and it's like, well, you know, and I was mainly done back in bloody March last year. Yeah.","start_word":833,"end_word":888,"intents":[{"intent":"Find employment information","confidence_score":0.000039582537}]},{"text":"There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area.","start_word":1086,"end_word":1118,"intents":[{"intent":"Assess cdp claim acceptance","confidence_score":0.062203065}]},{"text":"There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area. As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at Yeah.","start_word":1086,"end_word":1166,"intents":[{"intent":"Discuss cdp claim","confidence_score":0.0008641815}]},{"text":"As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at Yeah. how to keep the money invested and working for you, but also maybe draw something out to help you along. So Yeah. yeah.","start_word":1119,"end_word":1189,"intents":[{"intent":"Help with income","confidence_score":0.0014563205}]},{"text":"Well, we'll keep we'll keep monitoring things. Caden Yeah.","start_word":1331,"end_word":1339,"intents":[{"intent":"Monitor progress","confidence_score":0.033204027}]},{"text":"does the claim side of things for us as the as part of our admin team, but he does keep us in the loop, and I'll keep, you know, liaising with him and seeing where we go with that for you. Yeah.","start_word":1341,"end_word":1382,"intents":[{"intent":"Update admin about claim progress","confidence_score":0.011808302}]},{"text":"So I allocate what we're gonna be buying and selling with regard to the changes in investments.","start_word":2111,"end_word":2127,"intents":[{"intent":"Align and sell portfolio","confidence_score":0.0015780105}]},{"text":"We are keeping physical gold, and we're actually gonna buy a little bit more of that.","start_word":2426,"end_word":2441,"intents":[{"intent":"Maintain physical gold","confidence_score":0.10261721}]},{"text":"We are keeping physical gold, and we're actually gonna buy a little bit more of that. So you've got about 8% in your portfolio now.","start_word":2426,"end_word":2450,"intents":[{"intent":"Purchase 15% of gold portfolio","confidence_score":0.0004927886},{"intent":"Improve investor portfolio balance","confidence_score":0.0000019702006}]},{"text":"That's for sure. Yep. And, essentially, when you look at the way gold grows, it has seen some very good highs over the past couple of years, and we'll expect to see more in the future. Yeah.","start_word":2479,"end_word":2515,"intents":[{"intent":"Share outlook and benefits in gold markets","confidence_score":2.475043e-11}]},{"text":"We still wanna hold some of that, but we just wanna reduce your exposure to 5%.","start_word":2714,"end_word":2729,"intents":[{"intent":"Reduce exposure to cybersecurity","confidence_score":0.0070365327}]},{"text":"got the iShares core composite bond. Now this you hold about 8% at the moment, but we're increasing your exposure to 20%, and that is because we are removing the bank hybrids.","start_word":2753,"end_word":2784,"intents":[{"intent":"Obtain ishares composite bond","confidence_score":0.0044431747}]},{"text":"So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out. So we need to put the money into something defensive. So the Mhmm.","start_word":2786,"end_word":2828,"intents":[{"intent":"Analyze bond portfolios","confidence_score":0.002801636}]},{"text":"You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well.","start_word":3180,"end_word":3209,"intents":[{"intent":"Eliminate risk","confidence_score":0.07556374}]},{"text":"And since since so three months I had a look at, you've actually made earnings of 57,344. So it's an 8% return net of fees, which is good to see. So we have seen some additional growth in that time, which is good. Yeah.","start_word":4166,"end_word":4209,"intents":[{"intent":"Demonstrate portfolio growth","confidence_score":0.029230557}]},{"text":"Within that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level. Yeah.","start_word":4721,"end_word":4767,"intents":[{"intent":"Set the target for changes","confidence_score":1.1336555e-7}]},{"text":"So we go from paying over $2,000 for the admin fees to about 1,286. So you're actually saving $1,300 in investment fees by Yeah.","start_word":4945,"end_word":4968,"intents":[{"intent":"Clarify fee structure and expectations","confidence_score":0.00013317507}]},{"text":"We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances.","start_word":5325,"end_word":5344,"intents":[{"intent":"Show projection table","confidence_score":0.10785843}]},{"text":"Essentially, with children when they're over 18, receiving your super benefit paid direct from super means that they do pay tax on that, whereas any beneficiaries or children who are benefit who are financially dependent on you, they actually don't pay tax. So Okay.","start_word":5548,"end_word":5591,"intents":[{"intent":"Provide benefit information","confidence_score":0.00052272895}]},{"text":"So what I'm recommending is that we just update your beneficiary nomination, have it noted to legal personal representative.","start_word":5622,"end_word":5640,"intents":[{"intent":"Recommend updating beneficiary nominations","confidence_score":0.046931345}]},{"text":"Yeah.","start_word":5786,"end_word":5786,"intents":[{"intent":"Schedule appointment","confidence_score":0.00025592078}]},{"text":"It's something we have seen a lot in this industry where, you know, things are unexpected, and I hope I hope, you know, you have a long, healthy life, and I wanna be talking to you for years to come, Yes.","start_word":6094,"end_word":6134,"intents":[{"intent":"Request conversation","confidence_score":0.00011295712}]},{"text":"Just, yeah, just have a bit of a chat and just sort of say, look. Yeah. They should understand what TPD is. It's permanent incapacity it. where, essentially, there's you know, you're not gonna be able to go back to work again if they're happy to sign off on that.","start_word":6760,"end_word":6809,"intents":[{"intent":"End conversation","confidence_score":0.0012939109}]},{"text":"Generally speaking, if they are still trying to seek treatment and get you back to some sort of working capacity, then TPD is very hard to claim on. But, yeah, just have a chat to them and find out, you know, the the the long term outcome and what they're expecting and if they're happy to sign off on, you know, a PPD claim. And Yeah.","start_word":6811,"end_word":6876,"intents":[{"intent":"Find out about long term outcome and claim success","confidence_score":6.2517174e-8}]},{"text":"Because you're also on Centrelink, and they assess income and income and assets testing.","start_word":6957,"end_word":6970,"intents":[{"intent":"Assess income and assets testing","confidence_score":0.23369296}]},{"text":"We That's wanna make right. sure that you that you don't, you know, lose too much Centrelink there as well. So we'll look at how best to structure it tax wise, but also so that you can survive and, you know, get to get enough income to support yourself and your family. Yeah.","start_word":6972,"end_word":7024,"intents":[{"intent":"Structure pdd claim to survive and support family","confidence_score":0.00010879473}]},{"text":"I was just going back through some letters the other day from Centrelink when I was Yeah. looking for him for the TAL claim. And Yeah.","start_word":7030,"end_word":7055,"intents":[{"intent":"Appear at tal claim when centrelink and centrelink are on the pdd.","confidence_score":4.6673322e-17}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, James. It's Dana from Oakview Financial. How are you this morning? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18191921710968015},{"text":"Good, darling. How are you? I'm very well. Thank you. I just had to go through your updated advice document.","start_word":14,"end_word":33,"sentiment":"positive","sentiment_score":0.5790744423866272},{"text":"Is now still a good time there for you? Yeah. Yep. Yep.","start_word":34,"end_word":45,"sentiment":"neutral","sentiment_score":0.2479032576084137},{"text":"Fantastic.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.5938329100608826},{"text":"Do you happen to have access to your email here at the moment as well? I just turned It's my computer off, actually. that's okay. If you don't, that's absolutely fine. I can email it through, and I can run you through the recommendations. They're honestly Okay. not too Yep. difficult. And then you're welcome to take some time to have a little read of them later when you've got your computer back on, and you've got maybe a cup of tea or coffee in front of you. How does that sound? Yeah.","start_word":47,"end_word":139,"sentiment":"neutral","sentiment_score":0.15540876984596252},{"text":"It sounds good.","start_word":140,"end_word":142,"sentiment":"positive","sentiment_score":0.4131608009338379},{"text":"I've got a buddy. I think it's 12 year old Apple Mac, and she's on fast legs, I think. Sounds like she's struggling a bit. She's pulling it along It for you. takes a while to open up, and a lot of things don't work anymore. Like, if I go to get on well, when I was job hunting, for instance, it's like Yeah. the machine no longer supports it. It's like, Yeah. oh, what? Oh, wow. Oh, I don't I hardly well. use it. I use my phone more than anything. Yeah. Oh, that's good. Yeah. And that'd be a lot faster, a lot newer. Yeah. That's fine. Yeah. No.","start_word":143,"end_word":253,"sentiment":"neutral","sentiment_score":-0.04463104158639908},{"text":"That's awesome. That's excellent. All good.","start_word":254,"end_word":259,"sentiment":"positive","sentiment_score":0.5612542629241943},{"text":"Well, what I'll do is I'll email through to you. That way, you can have a bit of a look at it later on. If you do find you have any questions, just give me a call. Let me know. But what I'll do now, if you like, I'll just run you through the recommendations, give you an update of what the changes are, explain how and why, and then I'll let you go back and review that one. Okay? Okeydoke.","start_word":260,"end_word":340,"sentiment":"neutral","sentiment_score":0.13864129662145802},{"text":"Excellent.","start_word":341,"end_word":341,"sentiment":"positive","sentiment_score":0.7137991189956665},{"text":"Now, James, just before we jump into the call properly, I do need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy for me to proceed with that? Yep.","start_word":342,"end_word":380,"sentiment":"neutral","sentiment_score":0.1651080995798111},{"text":"Absolutely. Fantastic. Yep.","start_word":381,"end_word":383,"sentiment":"positive","sentiment_score":0.5175715088844299},{"text":"And, also, just to do security there with you as well, just to confirm your full name, your date of birth, and address that I should have on file for you. James Robert Payne. Fourth of Yep. September 1968.","start_word":384,"end_word":422,"sentiment":"neutral","sentiment_score":0.14416463673114777},{"text":"Beautiful. Thank you so much for that.","start_word":423,"end_word":429,"sentiment":"positive","sentiment_score":0.6522897481918335},{"text":"So, James, with regard to the advice document, on the very front, it has your beautiful name and the date as of today. So our documents are valid for sixty days. Feel free to have a read to it and let me know if there are any additional questions. On the bottom, it's also got my authorized representative number. So I'm a full licensed adviser registered with Aftik, and my registration number is 1304394. Okay? Hi, Kevin.","start_word":430,"end_word":506,"sentiment":"neutral","sentiment_score":0.20216865837574005},{"text":"Beautiful.","start_word":507,"end_word":507,"sentiment":"positive","sentiment_score":0.3444046080112457},{"text":"Now areas that we are scoping in or looking at for the advice today is we're looking at areas of superannuation. So when you and I did your annual review, you have been off work, haven't been able to obtain a new role due to your health changes in the last twelve months there. So we're looking at just sort of switching your investments, removing anything underperforming, but also lowering your risk level as well. So Yep. at the moment, you were hoping to hoping to be able to access super around about age 60. You've also got your PPD and income protection in there, which with the help of our team, we are trying to sort of see if we can get a claim going there for you as well. And I believe Yep. you're on disability pension now. They've changed that from JobSeeker for you. Is that right? Yeah. That's correct. Yeah. It Oh, only happened a couple of weeks ago, but they've backdated it until I think it was mid April, fantastic.","start_word":508,"end_word":682,"sentiment":"neutral","sentiment_score":0.04688453793525696},{"text":"something Fantastic. like Oh, that. that's fantastic. That'll be really good.","start_word":683,"end_word":693,"sentiment":"positive","sentiment_score":0.678693950176239},{"text":"That's a little bit more money as well. They have a higher rate of pay for the for the disability Yeah. pension It was as well. I think it was $300 additional to JobSeeker. Yeah. Oh, perfect. Goes Because that was goes one of a the long things. way for them having nothing. I still have nothing, but Yeah. No. Absolutely understandable. Well, yeah, hopefully, that helps and just to leave you any little bit of stress there. I know Caden is sort of helping to assess when and if we're able to get that claim underway. Have you heard from him recently in relation to the TPD Yeah. or income Caden protection claim? Caden just sent me an email last night, but I actually got one from TAL Group claims the day Yes. before. They just wanted Yep. some additional information, Yep. which I've sent them. Luckily, I had copies of everything. Yep. So I've sent that off. The only thing I didn't send off is they wanted my employer to Yes. fill out some form, and it's like, well, you know, and I was mainly done back in bloody March last year. Yeah. You know? And Yeah. I I've got crook. Started going downhill in October, November. Yep. So there's quite a few months in between, and I didn't go on the job seeker until June, early June. So I've said that in my email, and Caden's got a copy of that this morning Okay. because I didn't copy him in. I thought he was actually in, and I thought he he wasn't. Oh, okay. No. That's alright. So the main sort of reason he's looking to try and get the information from the employer is because you do have that income protection component. We are trying to see if we can get some sort of income protection claim started for you. Yes. So we're just trying to have them assess whether whether, you know, you had been suffering the illness or, you know, suffering before you were made redundant at all. If there were any symptoms or suffering, there may be an eligibility for you to receive some income protection there. So we're just sort of having them assess all avenues possible on the TPD Yeah. and income protection side to make sure we can get any claim possible. There's a chance that they may not accept the income protection claim, but even if they accept TPD, then we can obviously look at providing additional advice and helping you in that area. As soon as Caden lets me know whether that CPD claim is accepted or not, then we can come back and you and I can talk about what your income needs are, Look at, obviously, the the consequences and taxation around the CBD claim and look at Yeah. how to keep the money invested and working for you, but also maybe draw something out to help you along. So Yeah. yeah. I had a follow-up with a cardiologist last week, week before, Yeah. Yeah. Yeah. And that was that was actually my heart my heart dropped. When I first walked in, he said, well, I've got some bad news and some good news.","start_word":694,"end_word":1231,"sentiment":"neutral","sentiment_score":0.006294728174535592},{"text":"I thought, oh my god.","start_word":1232,"end_word":1236,"sentiment":"negative","sentiment_score":-0.3881002068519592},{"text":"Oh, Just the way no.","start_word":1237,"end_word":1241,"sentiment":"neutral","sentiment_score":-0.3304134011268616},{"text":"he said it, you know, shit.","start_word":1242,"end_word":1247,"sentiment":"negative","sentiment_score":-0.4230793118476868},{"text":"Yeah. Yeah.","start_word":1248,"end_word":1249,"sentiment":"neutral","sentiment_score":-0.20190155506134033},{"text":"The bad news was he couldn't actually determine the cause because the ultrasounds weren't clear. And he said, the ultrasound on your heart, he said they're they're very hit and miss to the best of times.","start_word":1250,"end_word":1285,"sentiment":"negative","sentiment_score":-0.4848138689994812},{"text":"He said that you do have Oh, really? some some Yeah. reduction in arteries there, so I'm on medication for that one. Yep. Okay. But, otherwise, I'm stable. I'm gonna go back in three months for that one. Just Okay. another follow-up. Yes. Yep.","start_word":1286,"end_word":1329,"sentiment":"neutral","sentiment_score":0.014095635153353214},{"text":"Excellent. Well, we'll keep we'll keep monitoring things.","start_word":1330,"end_word":1337,"sentiment":"positive","sentiment_score":0.3925302028656006},{"text":"Caden Yeah. does the claim side of things for us as the as part of our admin team, but he does keep us in the loop, and I'll keep, you know, liaising with him and seeing where we go with that for you. Yeah. But, yeah, I've hopefully been keeping him up to date yeah. with what's going on.","start_word":1338,"end_word":1396,"sentiment":"neutral","sentiment_score":0.0919139526658139},{"text":"Oh, that's really good. That's excellent.","start_word":1397,"end_word":1402,"sentiment":"positive","sentiment_score":0.6940231323242188},{"text":"Yeah. Yeah. I've Well, got I'll my run emails up in front of me.","start_word":1403,"end_word":1416,"sentiment":"neutral","sentiment_score":0.16984723508358002},{"text":"So oh, beautiful. You got your computer running. Fantastic.","start_word":1417,"end_word":1425,"sentiment":"positive","sentiment_score":0.499181866645813},{"text":"no. I remember not got a tablet out the back, so I've Oh, got it.","start_word":1426,"end_word":1440,"sentiment":"neutral","sentiment_score":0.0659429281949997},{"text":"lovely. They're all good.","start_word":1441,"end_word":1444,"sentiment":"positive","sentiment_score":0.4503011703491211},{"text":"Now you should have an email there. It's probably come from odu sign. It's probably come from my email address, daina at Yeah. odu find that. So you can see that one? Yep. Lovely. To make this easier, I'm just gonna take you through a couple of the pages and talk you through the recommendations, and then you get to go back and run your eyes over all the other pages because it is quite a document there. Yeah. It looks like it. I don't wanna go, you know, make it too confusing for you. It is still early in the morning. If you run down to page number 19 of that document there, these couple of pages are probably the main ones that we're gonna go through. Page 19. Alright. All I've got is half a dozen, like, attachments, Yeah. statement, So you should see a button you you can open up the statement of advice as the attachment, or you can click on the button at the top that says start or sign. advice. Oh, some document. Yep. Yeah. And that'll take you through so you can view the document and go Yeah. up and down. Okay. Yep. It Got it it. won't ask you to sign anything. It'll never ask you to sign anything you haven't read through. So Yep. when it takes you through, you'll see the document. It'll let you scroll up and down there a little bit. So page 19. Yep. Page 19. This profile.","start_word":1445,"end_word":1695,"sentiment":"neutral","sentiment_score":0.04123504459857941},{"text":"Beautiful.","start_word":1696,"end_word":1696,"sentiment":"positive","sentiment_score":0.38453420996665955},{"text":"So the heading on this one will just say recommended investment superannuation. Yep. Yep. Just let me know when you Got see it. that.","start_word":1697,"end_word":1720,"sentiment":"neutral","sentiment_score":0.07815312594175339},{"text":"Yep. Beautiful.","start_word":1721,"end_word":1722,"sentiment":"positive","sentiment_score":0.5754935145378113},{"text":"Now one of the big things we talked about when we did your annual review that you're currently in a growth portfolio. So that sees about 80% in those growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and Mhmm. then the other 20% in lower risk defensive investments, things like cash, bonds, and fixed interest. Essentially, because you are currently not working, you are in your fifties and, well, hopefully, wanting to access some of your super at around about age 60, which only gives us about sort of three to four years given your age this year. We just wanted to sort of make sure that you're in a lower risk portfolio. So you and I did the risk profile questionnaire, and we talked about moving it down to profiles to be more balanced. So Yep. you're taking on a little bit less risk in the market. We understand the returns can be lower because of that, but it's about also protecting your capital because you've worked really hard at this point. The fact that you're not able to work at the moment means that we need maybe put some protections in place where we see lower changes or lower market fluctuations, less ups and downs that make us quite nervous, and put some protections in place to keep your capital as stable as possible for you. Okay. Now Yep. there is never any guarantees, and all portfolios, especially with balances like yourself, will see market ups and downs. But the Yeah. idea of reducing risk is that those ups and downs are less aggressive. They don't feel as bad, and as a result, you end up with more capital protection there. But we still wanna see some growth, so it's kind of a mix. So what we'll do is we're looking at moving you down that risk profile, changing some of the underlying investments, making it a bit more passive, passively invested, and also saving you on fees where possible as well. Okay? Okay. Yep. It stands Now good. on this page here, you'll see that with the investments, you've got some red. If you look in the buy, sell column, it's probably the Yep. easiest one. You'll see all the red and the green there. So I allocate what we're gonna be buying and selling with regard to the changes in investments. Essentially, in the first column, you've got the investment name there. So just running through them, you've got some battery and lithium tech there. It's not a bad investment by any means. However, it was there as more of a thematic kind of investment. It's more of a looking to get higher growth, and you do take a bit more risk to have these sorts of thematic ETFs in your portfolio. So we are looking to sell that completely from your portfolio. Okay. And then also your Ben along Australian Equities, that was the one that was majorly performing, so we're removing that completely out of your portfolio. We Yep. are still gonna keep the Australian Equities portion by just removing it from that one investment. You've Hang also on. got I'm just the, sorry. sorry. You're I have bloody right. dogs carrying on. Oh, Oh, idiot. you're right. Someone must have walked past. Sorry, Billy. No. That's absolutely fine. He's looking after you. He's like, hang Yeah. on, dad. Someone's here. Yeah. Pretty right. Oh, good. You've got the bank hybrids in there as well. Now they are being phased out in the future as well, so we are looking to remove those now whilst we're making changes, essentially. We Okay. don't have Yep. to remove them now, but when they do get phased out by the by the government, it will be a a point where we have to make the change. So it is worth Yep. making the change now instead of laying it down the track when we, you know, could cement more losses or to have more of a a capital gains consequence. So it's always better to try and roll any changes into one.","start_word":1723,"end_word":2417,"sentiment":"neutral","sentiment_score":0.0625943415885349},{"text":"You've got some physical gold in there.","start_word":2418,"end_word":2424,"sentiment":"positive","sentiment_score":0.48081621527671814},{"text":"We are keeping physical gold, and we're actually gonna buy a little bit more of that. So you've got about 8% in your portfolio now. We wanna have Mhmm. about 10%. Physical gold is a growth investment, but it's also seen defensively.","start_word":2425,"end_word":2466,"sentiment":"neutral","sentiment_score":0.2634321451187134},{"text":"So we all love a bit of physical gold. I love gold. That's for sure.","start_word":2467,"end_word":2481,"sentiment":"positive","sentiment_score":0.6307433247566223},{"text":"Yep.","start_word":2482,"end_word":2482,"sentiment":"neutral","sentiment_score":0.3257957696914673},{"text":"And, essentially, when you look at the way gold grows, it has seen some very good highs over the past couple of years, and we'll expect to see more in the future. Yeah. Gold is a growth investment and does see good growth and provide great returns, but it also works defensively as well.","start_word":2483,"end_word":2536,"sentiment":"positive","sentiment_score":0.4854828417301178},{"text":"So at times when markets maybe don't perform well, where equities are having a bit of a downtime, people like to move money into gold.","start_word":2537,"end_word":2561,"sentiment":"neutral","sentiment_score":0.031889721751213074},{"text":"It's a bit of a safe haven as well.","start_word":2562,"end_word":2570,"sentiment":"positive","sentiment_score":0.3359130918979645},{"text":"So Mhmm. it it does work both ways, and we wanna hold about 10% their total of your portfolio. Cybersecurity is in there as well. Cybersecurity has seen a bit of a downtime in the past couple of months. There's been a bit of a tech sell off. And also with what's been happening between The US and Iran, cybersecurity has taken a bit of a hit there. However, it will come back. It is still a great place to be. You have about 8% there at the moment, so we have more of that in these growth portfolios because you are taking a bit more risk by having that in there. It's seen as one of those, We call them satellites where you're taking a little bit more risk and branching out into other areas to try and get Yeah. greater growth. We still wanna hold some of that, but we just wanna reduce your exposure to 5%. So we're gonna sell off a little bit of that so you only have 5% held in a new portfolio. We've also Okay. got the iShares core composite bond. Now this you hold about 8% at the moment, but we're increasing your exposure to 20%, and that is because we are removing the bank hybrids. So the bank hybrids as well as the core composite bonds, they are defensive investments, and we're getting rid of the bank the bank hybrids because they're being phased out. So we need to put the money into something defensive. So the Mhmm. core composite bonds is what's gonna hold that for you.","start_word":2571,"end_word":2837,"sentiment":"neutral","sentiment_score":-0.014470432902431666},{"text":"It is really good. It's giving you exposure to government as well as corporate bonds. Bonds are good for income producing. They pay coupon or income payments generally quarterly or monthly, and those income payments get distributed into your super and redistributed throughout the portfolio.","start_word":2838,"end_word":2882,"sentiment":"positive","sentiment_score":0.4554922878742218},{"text":"So it's compounding there for you. Okay? Okay. We've got the S and P 500. You hold about 26% at the moment. So because we're lowering your risk level, we're lowering some of these defensive assets. So we're reducing it down to 20%.","start_word":2883,"end_word":2925,"sentiment":"neutral","sentiment_score":0.2210938036441803},{"text":"The S and P 500 is still a great place to be.","start_word":2926,"end_word":2937,"sentiment":"positive","sentiment_score":0.6355020403862},{"text":"The one thing I like about the S and P 500 is is it tracks the S and P 500 index, which is essentially tracking the top 500 companies on The US market. And because you are tracking the indices, essentially, where a company no longer meets the criteria to be in the index, it's also removed from these investment options as well. So you're always tracking the top 500 companies. Options as well. So you're always tracking the top 500 companies, and Yep. companies that don't qualify are removed out of there for you.","start_word":2938,"end_word":3032,"sentiment":"neutral","sentiment_score":0.16647832095623016},{"text":"So it is a really good thing to do. Tracking indices does provide greater growth.","start_word":3033,"end_word":3047,"sentiment":"positive","sentiment_score":0.414703369140625},{"text":"It's also giving you diversification because instead of holding, you know, 10 or 20 investments, you're tracking 500 across The US, across different areas and asset allocations and different. Sorry. The the word I'm thinking was just jumped in my head. I'm so sorry. You're But it is good. It is giving you diversification across different assets, across different Yeah. areas. It's Yep. different parts of the country. And, also, you know, you're looking at some financials. You're looking at some industry as well, so across different areas within The US market as well. So it's Okay. really good to have in there for you. I apologize. I got a bit tongue tied there. I got my the word jumped out of my brain.","start_word":3048,"end_word":3171,"sentiment":"neutral","sentiment_score":0.09502172007435752},{"text":"Oh, you're doing better than what I would.","start_word":3172,"end_word":3179,"sentiment":"positive","sentiment_score":0.4871855676174164},{"text":"You do have the Van Dyck Australian property, and at the moment, we are gonna sell all of that off just about reducing risk and reducing that investment as well.","start_word":3180,"end_word":3209,"sentiment":"neutral","sentiment_score":0.23392687737941745},{"text":"Property has seen some great growth over the past couple of years, but we just wanna reduce the risk level.","start_word":3210,"end_word":3229,"sentiment":"positive","sentiment_score":0.41596388816833496},{"text":"So it's about altering some of the investments in there. Yep. We are removing also the Raffy a 200. So that's essentially giving you exposure to some of the 200 companies in the Australian market between mid to low cap. Okay. Essentially, Yep. with the Rafi, we're removing that one. We're gonna keep about 10% in it. So we're removing most of it. We are keeping about 10% in there in your newer portfolio about reducing it back a little bit because we are also removing the ban along Australian equities, and we're also then putting you into the beta shares a 200. So by removing the Raffi a 200 and also then removing oh, removing some of the Raffi a 200 and removing Bannalong and then buying into the beta shares a 200, it's making sure you're not overexposed but giving you some exposure into the Australian market as well. Robert, So, I can. yeah, one of the big things was the Van Along Australian Equities investments, which you were holding, as I kind of probably explained when we did the annual review, the Banna Long investment team, they are trying to outperform against the market they are supposed to be actively managing, and they've had some trouble with that in the past few months, and that's why the investment itself has been underperforming. Okay. So by removing that out out of there and putting it into the a 200, you're actually also increasing your diversification, which is great for mitigating risk. The BAN along Australian Equities investment fund generally only holds between 15 to 25 or 30 different investment options. Whereas moving you into the beta shares a 200 and holding the Raffi a 200, you're actually giving yourself exposures to basically 400 companies across the Australian market there. So you're increasing the amount of holdings within the Australian ASX Right. market Yep.","start_word":3230,"end_word":3544,"sentiment":"neutral","sentiment_score":0.0802996408844751},{"text":"and providing greater diversification, which is important for mitigating or reducing risk as well.","start_word":3545,"end_word":3558,"sentiment":"positive","sentiment_score":0.4061315655708313},{"text":"Now does that make sense? Do you wanna ask Yes. me anything Yep. so far? No. That's that makes sense. Yeah.","start_word":3559,"end_word":3579,"sentiment":"neutral","sentiment_score":0.06663331389427185},{"text":"Beautiful.","start_word":3580,"end_word":3580,"sentiment":"positive","sentiment_score":0.553447961807251},{"text":"Then you've also got in there the iShares Core Footsie Global Infrastructure hedge fund. We are keeping that in there.","start_word":3581,"end_word":3600,"sentiment":"neutral","sentiment_score":0.26068082451820374},{"text":"Hedging is really great. It's about giving you protections against the Australian dollar, and we're gonna hold about 5% in that investment.","start_word":3601,"end_word":3622,"sentiment":"positive","sentiment_score":0.4553138017654419},{"text":"And then other defensive investments because we're looking to keep more defensive investments in your portfolio, we're gonna have high interest cash accounts. So high interest cash is looking at investing money in high yields. So getting income producing will hold 5% in those for you. And then also the iShares yield plus, which is looking at high interest earning equities and trying to get yields of income out of your portfolio as well. So one of the big Mhmm. things I wanted to look at was because you're not able to make contributions at the moment, we wanna make sure your portfolio is producing some income. So income that gets put into your cash account, and then we can reinvest into your portfolio, and that will help with the compounding effect, essentially. That way, we're not relying solely on growth. Yeah. And Yep. having a mix of income plus growth helps to, you know, diversify your portfolio and and make that compounding work a little bit harder. I've tried to go through that a little bit easier to make it easier on you. Do you have any questions currently? Did you want me to kinda break anything more down for you? Or No. That's I'll I'll go over it a bit when we finish your conversation, but, yeah, yeah. it Absolutely. makes sense what you're saying. Yeah. Yeah. I I really don't follow the share market at all. I should do. No. That's I've okay. I've never been a political person either until lately. So Yeah. I don't think we've all had much of a choice. It's kind of all there, isn't yeah. it? I do Yeah. No. Absolutely. So as a whole, see. this is kinda showing you what we're gonna be selling and what we're Yeah. gonna be buying, and that target weighting is what you'll see your portfolio in at the end of the day. So just sort of trying to show you that there are reasons behind what we're buying and selling. And the biggest takeaway is that we're reducing those growth investments. So it does mean removing some of those higher risk investments and trying to put more money into those low risk defensive investments because we want cash to be generated from your portfolio.","start_word":3623,"end_word":4003,"sentiment":"neutral","sentiment_score":0.12709336078620645},{"text":"We want to see the income side coming out where money is distributed out of the investments and put into your cash account so we can reinvest that in your portfolio for you because Yes. that money reinvested then draws more income, which again gets reinvested for you.","start_word":4004,"end_word":4051,"sentiment":"positive","sentiment_score":0.3487764298915863},{"text":"And that's how compounding works, which is one of the most powerful tools we have, but also making sure that you're getting that it is working and that you're not going backwards at all because you're not able to make contributions right now. We don't want your portfolio to be going backwards heavily Backwards. over the next Yeah. couple of years. Yeah. That's what Yeah. I've been worried about.","start_word":4052,"end_word":4120,"sentiment":"neutral","sentiment_score":0.10567176342010498},{"text":"So I I logged on the hub the other day, and I I noticed that it made made quite a lot of good ground, actually.","start_word":4121,"end_word":4145,"sentiment":"positive","sentiment_score":0.3558007776737213},{"text":"It has yeah. When we touch base in your annual review, I noticed your balance is about 580,000 then. Yeah.","start_word":4146,"end_word":4165,"sentiment":"neutral","sentiment_score":0.22147132456302643},{"text":"And since since so three months I had a look at, you've actually made earnings of 57,344. So it's an 8% return net of fees, which is good to see. So we have seen some additional growth in that time, which is good.","start_word":4166,"end_word":4208,"sentiment":"positive","sentiment_score":0.4942418336868286},{"text":"Yeah. Yeah. I thought it was up around $6.20 when I looked the other day. Yeah. It has Mhmm. had a slight pullback as of yesterday. So Has the it? balance Yeah. when we did the advice document, it was around that $6.23 mark. And Yep. then today, when I've had a bit of a look at it, it's about $6.17. So a little bit of a pullback Come there. back a bit. Mhmm. Yeah. Okay. Yeah. Yeah. But we wanna see that kinda grow and cement a little bit. So when we put these changes into place, we'll then kind of watch the portfolio over the next few months to see, make sure it's working and do regular reviews with you to make sure that it does stay working for you. And if Yep. we flag anything we need to change, we'll make sure we do that for you as well. Okay.","start_word":4209,"end_word":4361,"sentiment":"neutral","sentiment_score":0.10106748323035396},{"text":"Beautiful.","start_word":4362,"end_word":4362,"sentiment":"positive","sentiment_score":0.47286126017570496},{"text":"Yeah.","start_word":4363,"end_word":4363,"sentiment":"neutral","sentiment_score":0.32951846718788147},{"text":"Beautiful.","start_word":4364,"end_word":4364,"sentiment":"positive","sentiment_score":0.5172570943832397},{"text":"If you scroll down to page number 21 for me, this just shows you the difference in those sorts of investments and shows Yes. you the risk reduction.","start_word":4365,"end_word":4392,"sentiment":"neutral","sentiment_score":0.08303681761026382},{"text":"Beautiful.","start_word":4393,"end_word":4393,"sentiment":"positive","sentiment_score":0.3437032699584961},{"text":"So in the first the second column, you'll see it says risk profile. If you look at the the bold side of it, you've got the growth assets at 60%, essentially, but 40%. So this is what a balanced portfolio is supposed to look like. We wanna at the moment, as I said before, you've got 80% in those growth assets, so we wanna Mhmm. reduce that down to about 60%. And in the third column, which is the proposed percentage, we're actually reducing your growth investments to 64.19. So we are bringing it very heavily down. And then the bottom line shows you're increasing your defensive assets from 16.9% to 35 a bit over 35% there. So Okay.","start_word":4394,"end_word":4512,"sentiment":"neutral","sentiment_score":0.0494476780295372},{"text":"it's Thank about you.","start_word":4513,"end_word":4516,"sentiment":"positive","sentiment_score":0.4377427399158478},{"text":"reducing your risk by reducing those growth assets and then having more investment as defensive lower risk investments there. Okay. Yep.","start_word":4517,"end_word":4537,"sentiment":"neutral","sentiment_score":0.1591617912054062},{"text":"Beautiful.","start_word":4538,"end_word":4538,"sentiment":"positive","sentiment_score":0.4190627932548523},{"text":"If you go down to the next page, the next one's the fee comparison table, and this is kinda showing you the projected outcome based on what I've recommended. Okay. Yep.","start_word":4539,"end_word":4569,"sentiment":"neutral","sentiment_score":0.19749531149864197},{"text":"Beautiful.","start_word":4570,"end_word":4570,"sentiment":"positive","sentiment_score":0.3723697662353515},{"text":"So you've got your balance there in the current columns. As I kinda mentioned before, when we did the document, your balance is a bit higher.","start_word":4571,"end_word":4596,"sentiment":"neutral","sentiment_score":0.0644407644867897},{"text":"There has been a slight pullback now.","start_word":4597,"end_word":4603,"sentiment":"negative","sentiment_score":-0.35204216837882996},{"text":"So there will be a slight change to what Yes. we see when we complete Understood. them, but it's not a massive change here. Essentially, when we with your current balance there, your current fees, the investment fees, you're currently paying $1.06 $5.09 in admin fees, $2.05 $9.02 in investment fees, your ongoing service fee there as well, which is 1.65% for capped at balances of $6,600,000, so you don't pay more than that 9,900. And then the insurance premiums, which we're keeping in the place, we're not removing any or altering any insurances because you are going through that claims process, but Yep. we'll review these down the track there for you as well. Okay? Yeah. Within that growth portfolio, when we compare the past performance of the portfolio you're currently in over the past five years has averaged a a return of about 9.54%, which isn't bad in any way, shape, or form, but we're wanting to reduce your risk level. Yeah. So, essentially, once we complete the investments, which as I went through before, we do understand that your super fund has tax consequences. Your super fund does a tax return just like you do every year, and it essentially does account for income and capital gains tax. And so after making the switch above, we estimate the capital gains to be $5,404, which essentially means that after the switch based on your current balance, we should see your super at about 618,071. That's taking everything into account. Does that make sense? Yep. Yep. Yeah. That's fine. Probably a little bit less now just because the balance has had a bit of a pullback, but, I mean, the markets do go up and down, and we could see it pull back up over $6.20 over the next few days there as well. Okay. Yeah. That's right. Yeah. So, essentially, by making the switch, there's no real change to the admin fees. It's showing a $6 decrease, which is great, but the investment fees are essentially almost halved. So we go from paying over $2,000 for the admin fees to about 1,286.","start_word":4604,"end_word":4957,"sentiment":"neutral","sentiment_score":0.02532905463318703},{"text":"So you're actually saving $1,300 in investment fees by Yeah. making That's good. that change at the portfolio.","start_word":4958,"end_word":4975,"sentiment":"positive","sentiment_score":0.4988357722759247},{"text":"Yeah. The ongoing service fee does stay the exact same. Essentially, we just charge 1.65% for our services, and we cap that at 9,900 currently. So you won't pay any more than 9,900. We cap that currently at 100,000 for a balance. So if we can get your balance up over $7,800,000, we're not currently charging 1.65% of that balance. It's capped at 9,900 for you. Okay. Okay?","start_word":4976,"end_word":5043,"sentiment":"neutral","sentiment_score":0.1038578674197197},{"text":"Good.","start_word":5044,"end_word":5044,"sentiment":"positive","sentiment_score":0.3510603904724121},{"text":"Makes Yeah. And the insurance premium stay exactly the same. Underneath it, you'll see the balance portfolio. So we've kinda gone back and had a look sense. at how this balance portfolio has performed over the past five years. It's showing the rolling average there, and, again, it's averaged about 9.59%.","start_word":5045,"end_word":5095,"sentiment":"neutral","sentiment_score":0.23991380631923676},{"text":"So it's kind of keeping on par. It's actually provided a little bit more of a return in the growth portfolio whilst reducing your risk.","start_word":5096,"end_word":5120,"sentiment":"positive","sentiment_score":0.408757358789444},{"text":"However, we know this is past performance. We're not guaranteed to get 9% every year. What we wanna kinda do is keep that compounding working as much as possible. But Sure. if this portfolio can do what it has done over the past five years, you can see below essentially where we'd expect you to end up over the next three and five years there. Okay?","start_word":5121,"end_word":5186,"sentiment":"neutral","sentiment_score":0.1372800171375275},{"text":"Very good.","start_word":5187,"end_word":5188,"sentiment":"positive","sentiment_score":0.5030199885368347},{"text":"Yeah. So we do know because we're reducing risk and because the CDK consequences over the next three years, we see your balance a lot a little under where it would be if you stayed in the growth portfolio. But over Yes.","start_word":5189,"end_word":5230,"sentiment":"neutral","sentiment_score":0.17949751019477844},{"text":"the next five years, we can see that make up and provide you know, it compounds a bit faster and does make up that difference and does show a greater performance over the next five years as well.","start_word":5231,"end_word":5268,"sentiment":"positive","sentiment_score":0.33969926834106445},{"text":"Okay. Yeah. Yeah. Do you have any questions in relation to any of that? You're welcome to ask me anything you like at the moment. No. That's I think that's pretty straightforward and set out set Yeah.","start_word":5269,"end_word":5305,"sentiment":"neutral","sentiment_score":0.1370113641023636},{"text":"out pretty well, so that's good. Beautiful. Excellent.","start_word":5306,"end_word":5313,"sentiment":"positive","sentiment_score":0.6934797167778015},{"text":"I will show you on page number 23 as well there. We do just have a projection table which outlines essentially how your super could perform if you weren't paying insurances. So this is just to sort of show you that we know insurance is coming out of super does have an impact on retirement. The current and recommended are exactly the same as what's above in the projection table there. However, the no insurance column shows that if under the same circumstances as what's recommended, you were not paying any insurance payments out of super, you can Yep. show that it would have a greater effect long term on your super balance. Yeah. Yeah. It would do. Yeah. Yeah. Yeah. And underneath that, the only other thing I wanted to sort of have in here is that we are making sure that you do have the estate planning side of things all completed and updated and making sure that you do have your beneficiary nominations in place. Essentially, one of the things we talked about was making sure that your beneficiaries could all receive about the same balance Yep. your beneficiaries were. All of your children at about 20 each. However, one of the biggest things was because your kids, some of them are they're on different, you know, taxable income. Some of them are dependent on you. Some of them are not. Essentially, with children when they're over 18, receiving your super benefit paid direct from super means that they do pay tax on that, whereas any beneficiaries or children who are benefit who are financially dependent on you, they actually don't pay tax. So Okay. with your Yes. five kids all being nominated that from your super, they're not likely to receive the the same benefit. It's not likely to be an evened out amount. So what I'm recommending is that we just update your beneficiary nomination, have it noted to legal personal representative. That essentially means that your beneficiary is, in the event of you passing your super, is paid direct to your estate, and you just need to make sure you have a will that reflects your wishes. And I've had a bit Yeah. of a look. Yeah. You're I've right. I've gotta actually change my wheel because my x is Dex. still on it. Yeah. Yeah. I've actually had a bit of a look, and I I do believe do believe now did we send you the email after the annual review? I'm pretty sure we sent the email with the details of a local solicitor that we can refer you through to. Yeah. I've I've actually had one in Yep. my own MRM who Yep. who did my first wheel. Yep.","start_word":5314,"end_word":5771,"sentiment":"neutral","sentiment_score":0.05319945768790734},{"text":"So I was gonna Beautiful. get in touch with him and have it changed. Yeah. It is really important that you do do so if anything was to happen.","start_word":5772,"end_word":5800,"sentiment":"positive","sentiment_score":0.3606606423854828},{"text":"And because you do have you know, you've got your heart issue at the moment, making sure your will is done as a matter of priority is really important. And I definitely ask once you get your will updated there, James, if you can send me a copy of it, we can keep it on file for you. That way, in the event of something occurring or you Yep.","start_word":5801,"end_word":5869,"sentiment":"neutral","sentiment_score":0.3210383355617523},{"text":"passing away, it just means that your executive needs to can call us, and then we can help them with the claim and sort of make your life a little bit easier on them as well.","start_word":5870,"end_word":5905,"sentiment":"positive","sentiment_score":0.42219096422195435},{"text":"So Okay. yeah. But now doing your will is very important, and having that beneficiary nomination change to legal personal representative just means that everything gets pulled into your estate and then paid out to your beneficiaries through the will.","start_word":5906,"end_word":5945,"sentiment":"neutral","sentiment_score":0.2556992173194885},{"text":"It can be paid as a more tax advantaged way.","start_word":5946,"end_word":5955,"sentiment":"positive","sentiment_score":0.3840198516845703},{"text":"You can also have trust and things set up so that if you've got younger children 18 who are still at school or still have, you know, need regular income payments that through a trust, you can also allocate who gets what when they receive it and have a lot more control over your benefit and how it is paid to each of your Okay. children. Yeah. Yeah. Yeah.","start_word":5956,"end_word":6024,"sentiment":"neutral","sentiment_score":0.2140129953622818},{"text":"There's some some that sort of woke me up in December when I when I fell ill. I thought, shit.","start_word":6025,"end_word":6044,"sentiment":"negative","sentiment_score":-0.3820537328720093},{"text":"I better get this changed because, Yeah. you know, I'm sure my ex would wouldn't just take the benefit of getting it if something did happen, but You she just would never pass know. it on to the kids, but you never Yeah. know. You just never know. It's something we have seen a lot in this industry where, you know, things are unexpected, and I hope I hope, you know, you have a long, healthy life, and I wanna be talking to you for years to come, Yes.","start_word":6045,"end_word":6133,"sentiment":"neutral","sentiment_score":-0.018089336458216893},{"text":"and then you HotSpot. enjoy your retirement.","start_word":6134,"end_word":6140,"sentiment":"positive","sentiment_score":0.4240102469921112},{"text":"But, essentially, it is really important to have these tough conversations and kinda make sure that we are discussing, you know, what happens because we do see in this industry a lot where, you know, nothing's expected and people pass away unexpectedly or things happen. And then family members are left with no will going through probate, and probate can be anywhere from twelve to eighteen months. It can be longer depending on the system and how long it takes. It's a costly process, and people get to come out and stake a claim, and it can just be very, very difficult on the family members. Very And messy. and, yeah, and it does also mean that, you know, your benefit may not be paid where you want it to go. It might be paid to the wrong person. Some children might receive more than others. So having a will in place and stipulating your wishes is really important to do. It's a a bit of a, an investment in yourself and and you the fact that you've worked so hard so that your estate is directed to where you want it to be. And Yep. when we have legal personal representative nominated on your super, it is really very important that your will is updated because if you do pass away, having a beneficiary to LPR is one part of that process. But if you don't have a will that's up to date, then everything gets paid to your estate and still goes through probate, which is a long, costly, difficult process for your family. So Yeah. Okay. if you can make some time, have a chat to the solicitor, get your will updated, let them know that you want your super and your life insurance proceeds all to go through, you know, to go through the will, and we'll make sure those beneficiary nominations are set up for you to assist. Yep. Okay?","start_word":6141,"end_word":6465,"sentiment":"neutral","sentiment_score":-0.07321184873580933},{"text":"That's alright. Sounds good. Beautiful.","start_word":6466,"end_word":6470,"sentiment":"positive","sentiment_score":0.5009282827377319},{"text":"Now do you have any questions at all? Is there anything you wanted me to kinda go back through or answer? Or Not what we've discussed so far. yeah. No.","start_word":6471,"end_word":6500,"sentiment":"neutral","sentiment_score":0.0004014412562052409},{"text":"Beautiful. I'll I'll go through the rest of this document.","start_word":6501,"end_word":6510,"sentiment":"positive","sentiment_score":0.4344589412212372},{"text":"And Yep. if I do have any, I'll click you a quick right?","start_word":6511,"end_word":6523,"sentiment":"neutral","sentiment_score":0.1416267305612564},{"text":"Absolutely. I'm here all the time. So let me know if there's any questions that you have. If you go through it and you decide just to have it all implemented, we'll just get you signed and return it back, and we'll take care of that for you.","start_word":6524,"end_word":6571,"sentiment":"positive","sentiment_score":0.4049641489982605},{"text":"Yeah. Okay. Okay.","start_word":6572,"end_word":6574,"sentiment":"neutral","sentiment_score":0.19105832278728485},{"text":"Beautiful.","start_word":6575,"end_word":6575,"sentiment":"positive","sentiment_score":0.5128094553947449},{"text":"One Yeah. thing I did discuss with the cardiologist was about the disability support pension. Yes. And I didn't even get to say to him that it's been approved and I'm actually honored. He said, oh, I don't go through that. You need to speak to your GP on that. Yes. So my authority been approved, but I was about to ask about total permanent disability. Yep. He said, oh, yeah. Same thing. I don't get involved with with Centrelink. Okay. Alright. So that'll So be something for your GP to have a chat to you about. Is that right? Yeah. It is. She said Mhmm. that you you might have other things going on that I'm not aware about. So I'm Yeah. not in there to do. Fair enough. Yeah. Yeah. No. That's okay. Do you He's have a specialist. another DP's appointment coming up soon? Or Now I've gotta make one. He's been on leave. I think he's back now. So I'll yeah. make one very soon and go back and have a chat to him Yeah. Okay. about Perfect. Yeah. No. Just, yeah, just have a bit of a chat and just sort of say, look. Yeah. They should understand what TPD is. It's permanent incapacity it. where, essentially, there's you know, you're not gonna be able to go back to work again if they're happy to sign off on that. Generally speaking, if they are still trying to seek treatment and get you back to some sort of working capacity, then TPD is very hard to claim on. But, yeah, just have a chat to them and find out, you know, the the the long term outcome and what they're expecting and if they're happy to sign off on, you know, a PPD claim. And Yeah.","start_word":6576,"end_word":6875,"sentiment":"neutral","sentiment_score":0.01158949315547943},{"text":"then we can Yep. definitely put that through.","start_word":6876,"end_word":6883,"sentiment":"positive","sentiment_score":0.3983502984046936},{"text":"So because you are 60 at the moment, with PPD, it is unfortunately taxed. So if the claim goes through and it is successful before you do draw any funds out, you and I can do an updated advice case and look at, you know, how to maybe have an income stream coming out so you've got some money to supplement your Centrelink and, you know, look at how best to structure it. Because you're also on Centrelink, and they assess income and income and assets testing. Yeah. We That's wanna make right. sure that you that you don't, you know, lose too much Centrelink there as well. So we'll look at how best to structure it tax wise, but also so that you can survive and, you know, get to get enough income to support yourself and your family. Yeah. That's right. I was Yeah. I was just going back through some letters the other day from Centrelink when I was Yeah. looking for him for the TAL claim. And Yeah. I was just reading one, I thought, oh, you you pack among those, aren't you? But when I Yes. first applied for JobSeeker, Yeah. they they said, yes. Okay. But we can't pay it until another couple of months down the track or whatever it was because Yep. of the amount of money you've got in the bank. Alright. Yeah. The liquid assets test. Yeah. Yeah.","start_word":6884,"end_word":7121,"sentiment":"neutral","sentiment_score":0.02723797783255577},{"text":"You That's freaking a mungled kilo of that guys.","start_word":7122,"end_word":7130,"sentiment":"negative","sentiment_score":-0.4494960904121399},{"text":"one.","start_word":7131,"end_word":7131,"sentiment":"neutral","sentiment_score":-0.3098030090332031},{"text":"Like, it it was bugger all, and it was basically gone by the time I got my first settlement payment anyway.","start_word":7132,"end_word":7152,"sentiment":"negative","sentiment_score":-0.39737027883529663},{"text":"Oh, So I'm so they sorry. want you to be Yeah. on the bones of your ass before they give you something. Yeah. Yep.","start_word":7153,"end_word":7176,"sentiment":"neutral","sentiment_score":-0.21715623140335083},{"text":"Oh, that's a shame.","start_word":7177,"end_word":7180,"sentiment":"negative","sentiment_score":-0.5959786176681519},{"text":"But yeah. So what the challenges are, like, the one facing around here is what a lot of jobs are in the car industry, and you do Mhmm. need to sit for a, cardboard medical on a lot of them, Yeah. Right. which I I won't I will not pass. No. So that means going outside of the industry, and Yeah. I've been out of work now for, what, fifteen months, sixteen Yeah. months Yeah. plus my age. Yeah. So they're all It's going tough.","start_word":7181,"end_word":7265,"sentiment":"neutral","sentiment_score":-0.17513221502304077},{"text":"against me at the moment.","start_word":7266,"end_word":7270,"sentiment":"negative","sentiment_score":-0.4181668162345886},{"text":"So Yeah. No. I'm so sorry to hear that. Well, we'll keep working with you and see what can happen. I'll keep yes. keep on top of things with Kate and see how we go. It's not an easy process to claim on TBD. I know the insurers, their goal is to try and pay out as little claims as possible Oh, unless absolutely. needed. Yeah. But our job is to try and help you get the claim, so we'll certainly try. If for any reason it comes back not, you know, not payable, we'll just keep monitoring things. We can go back and claim again. That doesn't stop you from ever claiming again. Okay? Yeah. Okay. Yep. Yeah. But we'll see what we can do. We'll cross our fingers and, yeah, just it all comes down to what the doctors are gonna say and what the reports show and, yeah, how it's assessed. So as long as the doctors are all good, they think there's no way you'll get back to work long term, you won't be able to work, then we should be, you know, on the right path. One of the biggest things you have going for you is that you are on disability pension now. So Centrelink has assessed that you're unable to go back to work, you know, essentially in the short term with regards Yeah. to this.","start_word":7271,"end_word":7503,"sentiment":"neutral","sentiment_score":-0.031273555010557175},{"text":"So that does show a positive sign to help towards I'll going tell you towards what, the Dana.","start_word":7504,"end_word":7521,"sentiment":"positive","sentiment_score":0.37207287549972534},{"text":"climb. I after I lodged a claim on the disability support, Yeah. well, weeks later, I've got a a phone call saying you've gotta sit for a settling doctor interview, which was on video conference and to allow an hour for the Yep. interview. Yeah. Wow. I thought, oh, wow. This is pretty full on. So yeah. Yeah. So anyway, the next day I did the interview at 08:00, got on, spoke with a doctor. She asked me two questions, and it went for about three minutes, and that was it. Yeah. Wow. And I just thought, wow. Well, this is not gonna get up, is it? But it did, obviously. Yeah. So Yeah. Wow.","start_word":7522,"end_word":7636,"sentiment":"neutral","sentiment_score":0.0038275305910602858},{"text":"Oh, well, that's good. That's a positive sign.","start_word":7637,"end_word":7644,"sentiment":"positive","sentiment_score":0.5835835933685303},{"text":"That does show as much as it's disability and it's it's, you know, what you're going through isn't great. It does show that, you know, there the the doctors are seeing that you're not able to go back to your role, that you're not able to work at the moment due to what you're dealing with and what you know, your health. So it does go a long way to showing that there is there is, you know, a small chance of going back to work. So we'll Yeah. certainly see how we go. Speaking with the cardiologist, like, with how it all started, he because he's thinking it could be sleep apnea. Yeah. Right. Have you had Because, sleep apnea for years? yeah, I Or know I know I've got it. I did a test for it. It's part of the menu that I had to do for the cardiologist, but it was in inclusive because I did it at home.","start_word":7645,"end_word":7806,"sentiment":"neutral","sentiment_score":-0.13155362010002136},{"text":"You gotta wear all this crap on me, and you just can't sleep with it on you.","start_word":7807,"end_word":7823,"sentiment":"negative","sentiment_score":-0.3676662147045135},{"text":"Oh, yeah. It's noisy too, isn't it? Oh, gosh. Anyhow, they did say, yeah, look, your heart stopped several times through the night. Wow. Yeah. I'll see what actually stopped. He said, yeah. Under severe circumstances, your heart actually stops, and then you bang get this boost of adrenaline, and your Yeah.","start_word":7824,"end_word":7875,"sentiment":"neutral","sentiment_score":-0.1483548482736716},{"text":"heart bites you up again.","start_word":7876,"end_word":7880,"sentiment":"negative","sentiment_score":-0.4673472344875336},{"text":"Oh, wow. So he said, and that's why you may wake up feeling like you've gotta hang out. Yeah. Yeah. I do sometimes. But I I've gotta go back and have another sleep test, and it's like a big out well, it's not a big out of pocket cost, but it's it's an out of pocket cost that I can't afford at the moment. Yeah. And so I'll probably get out of the hospital and have another procedure to get the test done, so which is just day surgery. Yeah. That's that's more important at the moment. So Yeah. Absolutely. What's the day surgery procedure for? Is it the it's so when December, I had to have a blood transfusion because I had no hemoglobin. So Yep. they were unable to do a colonoscopy because they didn't wanna put me under because they stand out. Yeah. I had the heart condition at the same time. Yeah. Yep. So they wouldn't need to anesthetize me. Okay. So now that I'm stable, I've been I've already seen the the specialist, and I've just got the paperwork. I've gotta take the hospital and book it in now to have it Yeah. done. Yeah. So it's just day surgery. I don't think it even takes an hour in there, but so that's where they get a camera being both ends. Yeah.","start_word":7881,"end_word":8107,"sentiment":"neutral","sentiment_score":-0.13002996146678925},{"text":"No nice way of putting it.","start_word":8108,"end_word":8113,"sentiment":"negative","sentiment_score":-0.410308301448822},{"text":"Yeah. Yeah. Just Oh, to see what's going on and make sure everything's yep. right. Yeah.","start_word":8114,"end_word":8129,"sentiment":"neutral","sentiment_score":0.049849919974803925},{"text":"Well, hopefully, it all goes well, and, yeah, let us know how you go.","start_word":8130,"end_word":8143,"sentiment":"positive","sentiment_score":0.4125722348690033},{"text":"And if anything else comes out of it, and we'll make sure we keep following up and, you know, chatting to see how things go this to go towards getting that claim processed for you. Yeah. Yep. Fair enough. Yeah.","start_word":8144,"end_word":8183,"sentiment":"neutral","sentiment_score":0.2129833698272705},{"text":"All good.","start_word":8184,"end_word":8185,"sentiment":"positive","sentiment_score":0.4629237651824951},{"text":"Well, I will let you go to have a read to the document. Let me know if you do happen to have any questions there, James. And, again, if you're just happy to take on the recommendations, I'll get you to sign and return that one back to Yep. me. Yep. Did you All want me good. to do a bit of a catch up with you in the next sort of three or six months? What would you like to see moving forward? Yeah. Yeah. Three months, I suppose. Three Yeah. That's months? probably Yep. probably a good one. Yep.","start_word":8186,"end_word":8286,"sentiment":"neutral","sentiment_score":0.17152476694324229},{"text":"That's absolutely fine. I'll pop it in the calendar there for you.","start_word":8287,"end_word":8298,"sentiment":"positive","sentiment_score":0.48320096731185913},{"text":"My team will give you a call in three months and book you in, and we'll do a bit of a catch up and see how things have been going after implementing this for you. I Okay? see that.","start_word":8299,"end_word":8337,"sentiment":"neutral","sentiment_score":0.291592538356781},{"text":"Very good. No worries. Well, I will let you go. You have a good day. I hope everything goes well, and, yes, enjoy Thanks, your day. Diana. Have a good one. My pleasure. No worries at all. Thank you very much for your time this morning, James. I'll talk to you Thanks, Diana. Bye.","start_word":8338,"end_word":8391,"sentiment":"positive","sentiment_score":0.6726016402244568},{"text":"soon.","start_word":8392,"end_word":8392,"sentiment":"neutral","sentiment_score":0.32240569591522217},{"text":"Thanks. See you later.","start_word":8393,"end_word":8396,"sentiment":"positive","sentiment_score":0.5649839639663696}],"average":{"sentiment":"neutral","sentiment_score":0.0792858282326725}}}}