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Sunny and beautiful in the Gold Coast. A little bit low on sleep with the newborn there and the three year old broke his leg. But other than that, fantastic. Good to hear, mate. Good to hear. Will you be able to have access to your emails today to run through these documents with me? No worries. Yes. Oh, cool. Okay. Gotcha. I was going through an update with the nonsmokers rates and a bit of a reduction today with you. Gotcha. Okay. Yeah. No worries. Cool. So I'll pop that through. And just while I've got that coming through, can I just confirm for security date of birth and address? Mhmm. Correct. Yep. That's the one. Alrighty. So this will make things nice and easy for me today. What I'll do there's quite a few documents in there today, but I will amend it straight after the call. So what I basically wanna do is just run through what the plan is, and then I'll make those amendments and send it back to you. Yeah. N d t. Yep. Yeah. That's right. Yeah. So when you hit that, it'll bring up all the documents to peruse together. I just wanna go through the first one today, which is the advice document, see if you're happy with the other side of the plan, and then I'll kind of get a refresh sent through to you afterwards. So, yeah, I did see that coming through, and I have based these on, I guess, the projections that we were discussing previously, which was, like, based on 60,000 being drawn out and some contributions based off of that. So I've gone I've used that as the baseline for the projections, but, obviously, it may change depending on your contribution level. First document, you should see beachfront city picture. Looks like the Gold Coast on it. Statement of advice. Cool. So if you go down to page three and four, we've got the scope of advice. Yep. Now the other thing that I've done here is we were flagging an investment on the portfolio, the Bennelong, which wasn't performing as well, and we were gonna kind of revisit it maybe towards Christmas time. But I have gone through and updated the portfolio now just because it's still kind of not doing its thing, and I I'd rather kind of nip it in the bud straight away. The other part was obviously the insurance side of things, which was reducing it down to a million and the nonsmoker's rate. So this is the part of the scoping that'll update as well as getting that cancellation letter applied as well. Cool. Now if you go down, I just wanna go through the main figures with you. So we did update your circumstances on page seven and eight, which is the about you section assets and liabilities. Now I do note that, obviously, the property there was pending possible, separation, so I just put a a little asterisk on that one. Yep. So that one's gone. Alrighty. Yep. Business, the only asset. Property is gone. And you've still got the one in The UK, the one in Australia? Yep. Perfect. In terms of the super so with the hub 24 on there, AIA is the insurer. Now when it comes to that policy, can you have a swing down to page nine for me? It's got your risk protection portfolio red heading. Cool. So it's got 1.2 mil worth of life and total disability insurance. Those two are kind of linked together. Now do you just wanna cancel the whole policy? Yep. Easy done. Yeah. I mean, it's yes. We don't have to run with a policy. My check is just to make sure you want both of them gone, and then we will help facilitate that. Easy done. Next page, risk profile. We're still saying high growth for the time being. Just trying to get you up there to retirement goal. Now there's quite wording heavy on page twelve and thirteen. It's the strategy recommendations. I'll kind of summarize it for you. So it's got a best interest duty there. Essentially, what we're doing is rebalancing your portfolio and updating the underlying investments. We're not changing the risk level. We're not changing Superfund at this point. It has all the features that we need. Updated kind of retirement ideas here is just based on the projections. I've got a few figures in there from what type of income it can produce just based on this advice, but there's a bit of a gap that needs closing where we were talking about utilizing your business assets when you do go to retire in conjunction with your super. Now if you go down, the main figures to look at is pages fifteen and sixteen. There is a fee comparison table here. Yep. And you should see it's kind of like a blue table. It says fee comparison, and it's got, like, current recommended in a difference column. Cool. So when we switch investment inside super, they do pay a little bit of capital gains tax under the hood, which we factor in whenever we change anything. So that's eight ninety one. And then we've got the performance differential at the bottom. The five year rolling average goes from that nine and a half up to 11.33 and kinda gets to back into the double digits like we were talking about. Now this was based on the premiums going from 7,000 after the rebate to 2,600. That's the nonsmokers and the reduction. So it'll be a little bit more if we take it right down to zero. If we go down past there, just before the updated projections, you've got an investment table on the next page. So what we're correct. So this is essentially the updating of the portfolio where you've got the percentages in the third column of where things are currently at. And then at the bottom correct. That's the new portfolio the way we wanna weight them. So anything that goes to a zero is being sold and replaced, and anything with a dollar figure in there and a percentage next to it is part of the new portfolio. Yeah. So part of the rebalances, we put bit of a cap on certain investments. And when they go up and down, we just rebalance them back to the middle, essentially buy low to sell high. Yeah. It's fantastic time. So with a lot of drops in a lot of markets, there's a few areas we wanna invest into, and that's kind of being redeployed. So that second row, you've been along Australian Equities. That was the underperformer. That's being replaced at the bottom with the Alfiniti Australian shares. So that one, lower fees, has actually outperformed the Australian market over one, three, five, and ten years. It kind of brings you back into line with that double digit overall performance. K? There's been a few redistributions above there as well. Again, just spreading it around a little bit, adding in a bit of health care, bit of India, few different sectors, which kinda act like satellites. So we're adding a few other satellites alongside it. K. If you go down past there, you'll have your asset allocation pie chart on 18, which main thing here is just to make sure we're still above 90% in growth assets to keep you within the high growth range. But the main projection update yeah. We're definitely slowly waiting further and further towards the international side. The Australian market just continues to lag. K? The alternatives are still there. That's your gold. And then just a little bit of fixed interest as your defensive portion and the cash minimum for hub, which is 1.25. Next page here. So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums. So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums. I think if we drop that straight to zero for the premiums, that'll probably impact it. Yeah. Yeah. That'll make a big difference. Another 20 to 30,000 at least. Yeah. Correct. If you look at the table below it, I'm basically trying to get you consistent double digits across all time periods here rather than it being a little bit up and down. And yeah. Bit of a rough year with the the Iran war, but, again, getting close to double digits is the best best to aim for. The main one too. So I wanna skip a few pages here because '20 onwards is the reduction of the insurances to a mil and the nonsmokers. Right? But there's a impact table here. So if you go to page 22, there's a kind of small gray table, which shows you a five and ten year impact of the current premiums, the reduced premiums, and no premiums at all. This will actually give you a bit of an indication for the full cancellation. Yep. Again, it's impacting things by about a $100,000 per decade, just having it at that level. Cool. So I will update this one for the removal of insurances. The other documents that are contained within this pack is like an appendix with updated research, the nonsmoker's declaration, which all get removed. There is a tax file number opt in form just because that's an important number to submit to the providers. And then just an updated service agreement there as well with us and Hub twenty four. Now with the advice fees factored in, so we normally charge about 1.65% spread throughout the year. That's been factored into the projections as well. We're just coming out with a bit of a tiered fee structure as well. So the next agreement will essentially have discounts above 200,000. It'll start reducing the percentage fees beyond that point. So I'll include a bit of an updated financial services guide with it just so you can see that new structure. And No. So this one had signatures for for the nonsmoker's declaration, the statement of advice, and the consent forms for the tax phone number. Yeah. So I'm gonna avoid this one, and I'll send you a text message once I've got it resent. Yep. Save your saving signing half of two packs. I'll just send you a refresh. Cool. Any questions at this point? That's the only other alternative is get costs down, which we're doing with the insurances, improve returns, which we're doing with the new high growth portfolio, and put more money in in terms of contributions. That's your trifecta. Yeah. Absolutely. For every $100 a week in there, it's gonna have a pretty big impact over ten, fifteen years. We the way you would basically do it is if you did a direct debit, we'll send you BPA details or EFT details to do that. When they go in for the year and it comes to June, we submit a notice of intent to claim form to the Superfund to convert that as a tax deduction for you. You can do it through the pay. So if you've got access to the accounting side, the business side of things, you can essentially salary sacrifice pretax. It's it's smoother because it gets applied immediately every pay as opposed to contributing it in regularly and then having to claim it back in your tax return every twelve months. Yep. Would you like me to send through some payment details for the account just so you've got them there? Yep. Easy done. So update the assets and liabilities, get the home removed, BPA details there. Portfolio is good. Insurance cancellation letter. Alright. Let me just double check. Was there anything else that we were needing to sort today? The only thing I can't quite recall, and I do forgive me for this, but just in terms of beneficiary nominations and things like that, I'll log in and have a look. I do know I think we were just putting a hold on that for a second. I believe so. I think we were just gonna give it some thought while it was all going through and processing. I'll have a quick look at it now just to double check. If that is the case, do you want me to get forms emailed through that you can print out and sign and witness or post it out to you with a return envelope. Email's fine. Alright. Here, I've got your account coming open now. And account details, we have yep. Spouse is still listed, and it's a non lapsing binding nomination. So I'll send you some forms there. If you want any help in terms of who you can nominate or types of nominations, just give us a buzz. But if you have anyone in mind now, I can kind of run through that with you. We'll just let you have some time to think about it. Easy done. Alrighty. So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents. You can click next document to skip around between them. There will be half of them to kind of skip through in terms of appendix research and product provider documents. The other ones to sign would be the advice document to proceed, the cancellation letter so we can submit that to the provider, and then the consent form with the super fund and the tax file number consent as well. So before to sign. Outside of that, I'll probably have to send through to get some updated ID to submit along with it unless we've already gotten that from you. Awesome. Any questions for me so far? Awesome. I appreciate yours, and just keep an ear out for that text and the updated email. Thanks, Andrew. 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afternoon, Andrew. It's Tommy here, senior adviser from Oakview. How you been? Right? Yeah.\n\nYeah. Do you have a bit of time for me? Only about yep. Perfect. I've been really good.\n\nSunny and beautiful in the Gold Coast. A little bit low on sleep with the newborn there and the three year old broke his leg. But other than that, fantastic. Good to hear, mate. Good to hear.\n\nWill you be able to have access to your emails today to run through these documents with me? No worries. Yes. Oh, cool. Okay.\n\nGotcha. I was going through an update with the nonsmokers rates and a bit of a reduction today with you. Gotcha. Okay. Yeah.\n\nNo worries. Cool. So I'll pop that through. And just while I've got that coming through, can I just confirm for security date of birth and address? Mhmm.\n\nCorrect. Yep. That's the one. Alrighty. So this will make things nice and easy for me today.\n\nWhat I'll do there's quite a few documents in there today, but I will amend it straight after the call. So what I basically wanna do is just run through what the plan is, and then I'll make those amendments and send it back to you. Yeah. N d t. Yep.\n\nYeah. That's right. Yeah. So when you hit that, it'll bring up all the documents to peruse together. I just wanna go through the first one today, which is the advice document, see if you're happy with the other side of the plan, and then I'll kind of get a refresh sent through to you afterwards.\n\nSo, yeah, I did see that coming through, and I have based these on, I guess, the projections that we were discussing previously, which was, like, based on 60,000 being drawn out and some contributions based off of that. So I've gone I've used that as the baseline for the projections, but, obviously, it may change depending on your contribution level. First document, you should see beachfront city picture. Looks like the Gold Coast on it. Statement of advice.\n\nCool. So if you go down to page three and four, we've got the scope of advice. Yep. Now the other thing that I've done here is we were flagging an investment on the portfolio, the Bennelong, which wasn't performing as well, and we were gonna kind of revisit it maybe towards Christmas time. But I have gone through and updated the portfolio now just because it's still kind of not doing its thing, and I I'd rather kind of nip it in the bud straight away.\n\nThe other part was obviously the insurance side of things, which was reducing it down to a million and the nonsmoker's rate. So this is the part of the scoping that'll update as well as getting that cancellation letter applied as well. Cool. Now if you go down, I just wanna go through the main figures with you. So we did update your circumstances on page seven and eight, which is the about you section assets and liabilities.\n\nNow I do note that, obviously, the property there was pending possible, separation, so I just put a a little asterisk on that one. Yep. So that one's gone. Alrighty. Yep.\n\nBusiness, the only asset. Property is gone. And you've still got the one in The UK, the one in Australia? Yep. Perfect.\n\nIn terms of the super so with the hub 24 on there, AIA is the insurer. Now when it comes to that policy, can you have a swing down to page nine for me? It's got your risk protection portfolio red heading. Cool. So it's got 1.2 mil worth of life and total disability insurance.\n\nThose two are kind of linked together. Now do you just wanna cancel the whole policy? Yep. Easy done. Yeah.\n\nI mean, it's yes. We don't have to run with a policy. My check is just to make sure you want both of them gone, and then we will help facilitate that. Easy done. Next page, risk profile.\n\nWe're still saying high growth for the time being. Just trying to get you up there to retirement goal. Now there's quite wording heavy on page twelve and thirteen. It's the strategy recommendations. I'll kind of summarize it for you.\n\nSo it's got a best interest duty there. Essentially, what we're doing is rebalancing your portfolio and updating the underlying investments. We're not changing the risk level. We're not changing Superfund at this point. It has all the features that we need.\n\nUpdated kind of retirement ideas here is just based on the projections. I've got a few figures in there from what type of income it can produce just based on this advice, but there's a bit of a gap that needs closing where we were talking about utilizing your business assets when you do go to retire in conjunction with your super. Now if you go down, the main figures to look at is pages fifteen and sixteen. There is a fee comparison table here. Yep.\n\nAnd you should see it's kind of like a blue table. It says fee comparison, and it's got, like, current recommended in a difference column. Cool. So when we switch investment inside super, they do pay a little bit of capital gains tax under the hood, which we factor in whenever we change anything. So that's eight ninety one.\n\nAnd then we've got the performance differential at the bottom. The five year rolling average goes from that nine and a half up to 11.33 and kinda gets to back into the double digits like we were talking about. Now this was based on the premiums going from 7,000 after the rebate to 2,600. That's the nonsmokers and the reduction. So it'll be a little bit more if we take it right down to zero.\n\nIf we go down past there, just before the updated projections, you've got an investment table on the next page. So what we're correct. So this is essentially the updating of the portfolio where you've got the percentages in the third column of where things are currently at. And then at the bottom correct. That's the new portfolio the way we wanna weight them.\n\nSo anything that goes to a zero is being sold and replaced, and anything with a dollar figure in there and a percentage next to it is part of the new portfolio. Yeah. So part of the rebalances, we put bit of a cap on certain investments. And when they go up and down, we just rebalance them back to the middle, essentially buy low to sell high. Yeah.\n\nIt's fantastic time. So with a lot of drops in a lot of markets, there's a few areas we wanna invest into, and that's kind of being redeployed. So that second row, you've been along Australian Equities. That was the underperformer. That's being replaced at the bottom with the Alfiniti Australian shares.\n\nSo that one, lower fees, has actually outperformed the Australian market over one, three, five, and ten years. It kind of brings you back into line with that double digit overall performance. K? There's been a few redistributions above there as well. Again, just spreading it around a little bit, adding in a bit of health care, bit of India, few different sectors, which kinda act like satellites.\n\nSo we're adding a few other satellites alongside it. K. If you go down past there, you'll have your asset allocation pie chart on 18, which main thing here is just to make sure we're still above 90% in growth assets to keep you within the high growth range. But the main projection update yeah. We're definitely slowly waiting further and further towards the international side.\n\nThe Australian market just continues to lag. K? The alternatives are still there. That's your gold. And then just a little bit of fixed interest as your defensive portion and the cash minimum for hub, which is 1.25.\n\nNext page here. So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums. So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums. I think if we drop that straight to zero for the premiums, that'll probably impact it. Yeah.\n\nYeah. That'll make a big difference. Another 20 to 30,000 at least. Yeah. Correct.\n\nIf you look at the table below it, I'm basically trying to get you consistent double digits across all time periods here rather than it being a little bit up and down. And yeah. Bit of a rough year with the the Iran war, but, again, getting close to double digits is the best best to aim for. The main one too. So I wanna skip a few pages here because '20 onwards is the reduction of the insurances to a mil and the nonsmokers.\n\nRight? But there's a impact table here. So if you go to page 22, there's a kind of small gray table, which shows you a five and ten year impact of the current premiums, the reduced premiums, and no premiums at all. This will actually give you a bit of an indication for the full cancellation. Yep.\n\nAgain, it's impacting things by about a $100,000 per decade, just having it at that level. Cool. So I will update this one for the removal of insurances. The other documents that are contained within this pack is like an appendix with updated research, the nonsmoker's declaration, which all get removed. There is a tax file number opt in form just because that's an important number to submit to the providers.\n\nAnd then just an updated service agreement there as well with us and Hub twenty four. Now with the advice fees factored in, so we normally charge about 1.65% spread throughout the year. That's been factored into the projections as well. We're just coming out with a bit of a tiered fee structure as well. So the next agreement will essentially have discounts above 200,000.\n\nIt'll start reducing the percentage fees beyond that point. So I'll include a bit of an updated financial services guide with it just so you can see that new structure. And No. So this one had signatures for for the nonsmoker's declaration, the statement of advice, and the consent forms for the tax phone number. Yeah.\n\nSo I'm gonna avoid this one, and I'll send you a text message once I've got it resent. Yep. Save your saving signing half of two packs. I'll just send you a refresh. Cool.\n\nAny questions at this point? That's the only other alternative is get costs down, which we're doing with the insurances, improve returns, which we're doing with the new high growth portfolio, and put more money in in terms of contributions. That's your trifecta. Yeah. Absolutely.\n\nFor every $100 a week in there, it's gonna have a pretty big impact over ten, fifteen years. We the way you would basically do it is if you did a direct debit, we'll send you BPA details or EFT details to do that. When they go in for the year and it comes to June, we submit a notice of intent to claim form to the Superfund to convert that as a tax deduction for you. You can do it through the pay. So if you've got access to the accounting side, the business side of things, you can essentially salary sacrifice pretax.\n\nIt's it's smoother because it gets applied immediately every pay as opposed to contributing it in regularly and then having to claim it back in your tax return every twelve months. Yep. Would you like me to send through some payment details for the account just so you've got them there? Yep. Easy done.\n\nSo update the assets and liabilities, get the home removed, BPA details there. Portfolio is good. Insurance cancellation letter. Alright. Let me just double check.\n\nWas there anything else that we were needing to sort today? The only thing I can't quite recall, and I do forgive me for this, but just in terms of beneficiary nominations and things like that, I'll log in and have a look. I do know I think we were just putting a hold on that for a second. I believe so. I think we were just gonna give it some thought while it was all going through and processing.\n\nI'll have a quick look at it now just to double check. If that is the case, do you want me to get forms emailed through that you can print out and sign and witness or post it out to you with a return envelope. Email's fine. Alright. Here, I've got your account coming open now.\n\nAnd account details, we have yep. Spouse is still listed, and it's a non lapsing binding nomination. So I'll send you some forms there. If you want any help in terms of who you can nominate or types of nominations, just give us a buzz. But if you have anyone in mind now, I can kind of run through that with you.\n\nWe'll just let you have some time to think about it. Easy done. Alrighty. So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents.\n\nYou can click next document to skip around between them. There will be half of them to kind of skip through in terms of appendix research and product provider documents. The other ones to sign would be the advice document to proceed, the cancellation letter so we can submit that to the provider, and then the consent form with the super fund and the tax file number consent as well. So before to sign. Outside of that, I'll probably have to send through to get some updated ID to submit along with it unless we've already gotten that from you.\n\nAwesome. Any questions for me so far? Awesome. I appreciate yours, and just keep an ear out for that text and the updated email. Thanks, Andrew.\n\nHave a good one.","paragraphs":[{"sentences":[{"text":"Good afternoon, Andrew.","start":1.8399999,"end":2.8,"sentiment":"neutral","sentiment_score":0.207752525806427},{"text":"It's Tommy here, senior adviser from Oakview.","start":2.8,"end":4.88,"sentiment":"neutral","sentiment_score":0.1369286019887243},{"text":"How you been?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.10395630200703938},{"text":"Right?","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":-0.0808759480714798},{"text":"Yeah.","start":11.04,"end":11.28,"sentiment":"neutral","sentiment_score":-0.0027352236211299896}],"sentiment":"neutral","sentiment_score":0.1206677017112573,"num_words":15,"start":1.8399999,"end":11.28},{"sentences":[{"text":"Yeah.","start":11.28,"end":11.78,"sentiment":"neutral","sentiment_score":-0.0034648063592612743},{"text":"Do you have a bit of time for me?","start":12.0,"end":13.44,"sentiment":"neutral","sentiment_score":-0.011248151150842508},{"text":"Only about yep.","start":13.44,"end":15.2,"sentiment":"neutral","sentiment_score":0.006915650640924771},{"text":"Perfect.","start":15.2,"end":15.7,"sentiment":"positive","sentiment_score":0.4025242328643799},{"text":"I've been really good.","start":15.845,"end":17.145,"sentiment":"positive","sentiment_score":0.4743100181221962}],"sentiment":"neutral","sentiment_score":0.12310072725328307,"num_words":18,"start":11.28,"end":17.145},{"sentences":[{"text":"Sunny and beautiful in the Gold Coast.","start":17.205,"end":18.885,"sentiment":"positive","sentiment_score":0.5283931153161185},{"text":"A little bit low on sleep with the newborn there and the three year old broke his leg.","start":18.885,"end":22.645,"sentiment":"neutral","sentiment_score":-0.16337396370040047},{"text":"But other than that, fantastic.","start":22.645,"end":24.105,"sentiment":"neutral","sentiment_score":0.2003231406211853},{"text":"Good to hear, mate.","start":28.885,"end":29.685001,"sentiment":"positive","sentiment_score":0.4440264403820038},{"text":"Good to hear.","start":29.685001,"end":30.39,"sentiment":"neutral","sentiment_score":0.26109713315963745}],"sentiment":"neutral","sentiment_score":0.11673063039779663,"num_words":37,"start":17.205,"end":30.39},{"sentences":[{"text":"Will you be able to have access to your emails today to run through these documents with me?","start":31.43,"end":36.57,"sentiment":"neutral","sentiment_score":0.09717508736583921},{"text":"No worries.","start":39.989998,"end":40.89,"sentiment":"neutral","sentiment_score":0.009023400954902172},{"text":"Yes.","start":45.43,"end":45.675,"sentiment":"neutral","sentiment_score":-0.022714786231517792},{"text":"Oh, cool.","start":51.915,"end":52.555,"sentiment":"neutral","sentiment_score":-0.002263749483972788},{"text":"Okay.","start":52.555,"end":53.055,"sentiment":"neutral","sentiment_score":-0.016182202845811844}],"sentiment":"neutral","sentiment_score":0.07182391193540145,"num_words":24,"start":31.43,"end":53.055},{"sentences":[{"text":"Gotcha.","start":68.36,"end":68.86,"sentiment":"neutral","sentiment_score":-0.09158840775489809},{"text":"I was going through an update with the nonsmokers rates and a bit of a reduction today with you.","start":68.92,"end":74.295,"sentiment":"neutral","sentiment_score":-0.07655145698472073},{"text":"Gotcha.","start":85.335,"end":85.835,"sentiment":"neutral","sentiment_score":-0.1321217119693756},{"text":"Okay.","start":88.774994,"end":89.095,"sentiment":"neutral","sentiment_score":-0.045470595359802246},{"text":"Yeah.","start":89.095,"end":89.415,"sentiment":"neutral","sentiment_score":-0.021805554628372192}],"sentiment":"neutral","sentiment_score":-0.07588973706183226,"num_words":23,"start":68.36,"end":89.415},{"sentences":[{"text":"No worries.","start":89.415,"end":89.94,"sentiment":"neutral","sentiment_score":-0.012903424445539713},{"text":"Cool.","start":95.060005,"end":95.3,"sentiment":"neutral","sentiment_score":0.04679868370294571},{"text":"So I'll pop that through.","start":95.3,"end":96.68,"sentiment":"neutral","sentiment_score":0.0450715109705925},{"text":"And just while I've got that coming through, can I just confirm for security date of birth and address?","start":96.9,"end":102.675,"sentiment":"neutral","sentiment_score":0.017809976088373286},{"text":"Mhmm.","start":106.515,"end":107.015,"sentiment":"neutral","sentiment_score":-0.004274649079889059}],"sentiment":"neutral","sentiment_score":0.020730867366572574,"num_words":28,"start":89.415,"end":107.015},{"sentences":[{"text":"Correct.","start":115.795006,"end":116.295006,"sentiment":"neutral","sentiment_score":0.009008976630866528},{"text":"Yep.","start":117.299995,"end":117.7,"sentiment":"neutral","sentiment_score":0.03298010677099228},{"text":"That's the one.","start":117.7,"end":118.67999,"sentiment":"positive","sentiment_score":0.3603453238805135},{"text":"Alrighty.","start":120.02,"end":120.52,"sentiment":"positive","sentiment_score":0.6306859850883484},{"text":"So this will make things nice and easy for me today.","start":120.659996,"end":123.799995,"sentiment":"positive","sentiment_score":0.7839942899617282}],"sentiment":"positive","sentiment_score":0.6104498958653387,"num_words":17,"start":115.795006,"end":123.799995},{"sentences":[{"text":"What I'll do there's quite a few documents in there today, but I will amend it straight after the call.","start":124.5,"end":129.3,"sentiment":"neutral","sentiment_score":0.14719554893672465},{"text":"So what I basically wanna do is just run through what the plan is, and then I'll make those amendments and send it back to you.","start":129.3,"end":136.615,"sentiment":"neutral","sentiment_score":0.16563203586981848},{"text":"Yeah.","start":143.235,"end":143.735,"sentiment":"neutral","sentiment_score":0.077998086810112},{"text":"N d t.","start":143.79501,"end":144.77501,"sentiment":"neutral","sentiment_score":0.018635114034016926},{"text":"Yep.","start":144.835,"end":145.335,"sentiment":"neutral","sentiment_score":0.05565263330936432}],"sentiment":"neutral","sentiment_score":0.14588039163865296,"num_words":51,"start":124.5,"end":145.335},{"sentences":[{"text":"Yeah.","start":154.15999,"end":154.48,"sentiment":"neutral","sentiment_score":0.08386941999197006},{"text":"That's right.","start":154.48,"end":155.29999,"sentiment":"neutral","sentiment_score":0.13661566376686096},{"text":"Yeah.","start":164.375,"end":164.615,"sentiment":"neutral","sentiment_score":0.0627545565366745},{"text":"So when you hit that, it'll bring up all the documents to peruse together.","start":164.615,"end":167.65501,"sentiment":"neutral","sentiment_score":0.1001728033380849},{"text":"I just wanna go through the first one today, which is the advice document, see if you're happy with the other side of the plan, and then I'll kind of get a refresh sent through to you afterwards.","start":167.65501,"end":178.72,"sentiment":"neutral","sentiment_score":0.08428750873396271}],"sentiment":"neutral","sentiment_score":0.0897357121908239,"num_words":56,"start":154.15999,"end":178.72},{"sentences":[{"text":"So, yeah, I did see that coming through, and I have based these on, I guess, the projections that we were discussing previously, which was, like, based on 60,000 being drawn out and some contributions based off of that.","start":178.86,"end":194.185,"sentiment":"neutral","sentiment_score":0.041593114439493574},{"text":"So I've gone I've used that as the baseline for the projections, but, obviously, it may change depending on your contribution level.","start":194.185,"end":201.005,"sentiment":"neutral","sentiment_score":-0.024101752110502937},{"text":"First document, you should see beachfront city picture.","start":203.81,"end":206.37,"sentiment":"neutral","sentiment_score":0.07954514864832163},{"text":"Looks like the Gold Coast on it.","start":206.37,"end":207.73,"sentiment":"neutral","sentiment_score":0.09517874142953328},{"text":"Statement of advice.","start":207.73,"end":208.79,"sentiment":"neutral","sentiment_score":0.07538070032993953}],"sentiment":"neutral","sentiment_score":0.03317275185939632,"num_words":79,"start":178.86,"end":208.79},{"sentences":[{"text":"Cool.","start":209.97,"end":210.45,"sentiment":"positive","sentiment_score":0.344171941280365},{"text":"So if you go down to page three and four, we've got the scope of advice.","start":210.45,"end":214.79,"sentiment":"neutral","sentiment_score":0.1052216615062207},{"text":"Yep.","start":218.055,"end":218.455,"sentiment":"neutral","sentiment_score":0.07711295783519745},{"text":"Now the other thing that I've done here is we were flagging an investment on the portfolio, the Bennelong, which wasn't performing as well, and we were gonna kind of revisit it maybe towards Christmas time.","start":218.455,"end":228.72,"sentiment":"neutral","sentiment_score":-0.17894902670135102},{"text":"But I have gone through and updated the portfolio now just because it's still kind of not doing its thing, and I I'd rather kind of nip it in the bud straight away.","start":229.04001,"end":239.62,"sentiment":"neutral","sentiment_score":-0.2544293767123511}],"sentiment":"neutral","sentiment_score":-0.14636210240851874,"num_words":87,"start":209.97,"end":239.62},{"sentences":[{"text":"The other part was obviously the insurance side of things, which was reducing it down to a million and the nonsmoker's rate.","start":241.825,"end":247.105,"sentiment":"neutral","sentiment_score":-0.01694465504789894},{"text":"So this is the part of the scoping that'll update as well as getting that cancellation letter applied as well.","start":247.105,"end":253.53,"sentiment":"neutral","sentiment_score":0.03988172356039286},{"text":"Cool.","start":255.20999,"end":255.61,"sentiment":"neutral","sentiment_score":0.32386183738708496},{"text":"Now if you go down, I just wanna go through the main figures with you.","start":255.61,"end":258.25,"sentiment":"neutral","sentiment_score":0.07577066843708356},{"text":"So we did update your circumstances on page seven and eight, which is the about you section assets and liabilities.","start":258.25,"end":265.31,"sentiment":"neutral","sentiment_score":0.032566303852945566}],"sentiment":"neutral","sentiment_score":0.032520512835337564,"num_words":78,"start":241.825,"end":265.31},{"sentences":[{"text":"Now I do note that, obviously, the property there was pending possible, separation, so I just put a a little asterisk on that one.","start":267.30502,"end":273.725,"sentiment":"neutral","sentiment_score":-0.0424826795157666},{"text":"Yep.","start":275.625,"end":276.02502,"sentiment":"neutral","sentiment_score":-0.0814744159579277},{"text":"So that one's gone.","start":276.02502,"end":277.165,"sentiment":"neutral","sentiment_score":-0.15257416851818562},{"text":"Alrighty.","start":278.42502,"end":278.92502,"sentiment":"neutral","sentiment_score":-0.022971168160438538},{"text":"Yep.","start":284.3,"end":284.8,"sentiment":"neutral","sentiment_score":-0.04713284224271774}],"sentiment":"neutral","sentiment_score":-0.05746643254232983,"num_words":31,"start":267.30502,"end":284.8},{"sentences":[{"text":"Business, the only asset.","start":285.34,"end":287.12,"sentiment":"neutral","sentiment_score":-0.11049704626202583},{"text":"Property is gone.","start":287.58,"end":289.36,"sentiment":"neutral","sentiment_score":-0.2336454540491104},{"text":"And you've still got the one in The UK, the one in Australia?","start":290.86,"end":293.905,"sentiment":"neutral","sentiment_score":-0.029942859680606768},{"text":"Yep.","start":298.36502,"end":298.845,"sentiment":"neutral","sentiment_score":0.11278443038463593},{"text":"Perfect.","start":298.845,"end":299.345,"sentiment":"neutral","sentiment_score":0.22167722880840304}],"sentiment":"neutral","sentiment_score":-0.0544418210841038,"num_words":22,"start":285.34,"end":299.345},{"sentences":[{"text":"In terms of the super so with the hub 24 on there, AIA is the insurer.","start":300.685,"end":305.98502,"sentiment":"neutral","sentiment_score":0.051060869824141264},{"text":"Now when it comes to that policy, can you have a swing down to page nine for me?","start":306.37997,"end":311.44,"sentiment":"neutral","sentiment_score":0.015685144035766523},{"text":"It's got your risk protection portfolio red heading.","start":312.46,"end":315.84,"sentiment":"neutral","sentiment_score":-0.006242828487302177},{"text":"Cool.","start":319.34,"end":319.65997,"sentiment":"neutral","sentiment_score":0.12732024490833282},{"text":"So it's got 1.2 mil worth of life and total disability insurance.","start":319.65997,"end":323.915,"sentiment":"neutral","sentiment_score":0.021022988328089316}],"sentiment":"neutral","sentiment_score":0.025981090668673542,"num_words":55,"start":300.685,"end":323.915},{"sentences":[{"text":"Those two are kind of linked together.","start":323.915,"end":325.61502,"sentiment":"neutral","sentiment_score":0.008363061584532261},{"text":"Now do you just wanna cancel the whole policy?","start":327.67502,"end":329.615,"sentiment":"neutral","sentiment_score":-0.11676412489679125},{"text":"Yep.","start":331.115,"end":331.615,"sentiment":"neutral","sentiment_score":0.058116521686315536},{"text":"Easy done.","start":331.755,"end":332.575,"sentiment":"neutral","sentiment_score":0.15109999477863312},{"text":"Yeah.","start":334.315,"end":334.715,"sentiment":"neutral","sentiment_score":0.06634926795959473}],"sentiment":"neutral","sentiment_score":-0.028283495688810945,"num_words":20,"start":323.915,"end":334.715},{"sentences":[{"text":"I mean, it's yes.","start":334.715,"end":338.28,"sentiment":"neutral","sentiment_score":0.1028085257858038},{"text":"We don't have to run with a policy.","start":338.66,"end":340.44,"sentiment":"neutral","sentiment_score":0.05104757798835635},{"text":"My check is just to make sure you want both of them gone, and then we will help facilitate that.","start":341.46,"end":347.16,"sentiment":"neutral","sentiment_score":0.08167214412242174},{"text":"Easy done.","start":348.9,"end":349.665,"sentiment":"positive","sentiment_score":0.3666084185242653},{"text":"Next page, risk profile.","start":350.065,"end":351.345,"sentiment":"neutral","sentiment_score":0.03142245812341571}],"sentiment":"neutral","sentiment_score":0.08715695471159722,"num_words":38,"start":334.715,"end":351.345},{"sentences":[{"text":"We're still saying high growth for the time being.","start":351.345,"end":353.265,"sentiment":"neutral","sentiment_score":0.20439586126142079},{"text":"Just trying to get you up there to retirement goal.","start":353.265,"end":355.92502,"sentiment":"positive","sentiment_score":0.42210824936628344},{"text":"Now there's quite wording heavy on page twelve and thirteen.","start":356.86502,"end":359.845,"sentiment":"neutral","sentiment_score":0.14132629409432412},{"text":"It's the strategy recommendations.","start":359.905,"end":361.285,"sentiment":"neutral","sentiment_score":0.18193766474723816},{"text":"I'll kind of summarize it for you.","start":361.90997,"end":363.93,"sentiment":"neutral","sentiment_score":0.21233004331588745}],"sentiment":"neutral","sentiment_score":0.24219922870397567,"num_words":40,"start":351.345,"end":363.93},{"sentences":[{"text":"So it's got a best interest duty there.","start":365.50998,"end":367.83,"sentiment":"neutral","sentiment_score":0.28141048550605774},{"text":"Essentially, what we're doing is rebalancing your portfolio and updating the underlying investments.","start":367.83,"end":372.72998,"sentiment":"neutral","sentiment_score":0.21902060164855078},{"text":"We're not changing the risk level.","start":372.87,"end":374.31,"sentiment":"neutral","sentiment_score":-0.18592759345968565},{"text":"We're not changing Superfund at this point.","start":374.31,"end":376.215,"sentiment":"neutral","sentiment_score":-0.10594642481633595},{"text":"It has all the features that we need.","start":376.215,"end":378.155,"sentiment":"neutral","sentiment_score":0.31203077360987663}],"sentiment":"neutral","sentiment_score":0.1366096990449088,"num_words":42,"start":365.50998,"end":378.155},{"sentences":[{"text":"Updated kind of retirement ideas here is just based on the projections.","start":380.29498,"end":384.535,"sentiment":"neutral","sentiment_score":0.16436061821877956},{"text":"I've got a few figures in there from what type of income it can produce just based on this advice, but there's a bit of a gap that needs closing where we were talking about utilizing your business assets when you do go to retire in conjunction with your super.","start":384.535,"end":397.87,"sentiment":"neutral","sentiment_score":-0.0094484880566597},{"text":"Now if you go down, the main figures to look at is pages fifteen and sixteen.","start":399.85,"end":403.79,"sentiment":"neutral","sentiment_score":0.04154280619695783},{"text":"There is a fee comparison table here.","start":404.235,"end":406.735,"sentiment":"neutral","sentiment_score":0.03818273012127195},{"text":"Yep.","start":409.595,"end":409.915,"sentiment":"neutral","sentiment_score":0.08929938077926636}],"sentiment":"neutral","sentiment_score":0.02931588844851006,"num_words":86,"start":380.29498,"end":409.915},{"sentences":[{"text":"And you should see it's kind of like a blue table.","start":409.915,"end":411.915,"sentiment":"neutral","sentiment_score":0.10021857510913502},{"text":"It says fee comparison, and it's got, like, current recommended in a difference column.","start":411.915,"end":416.655,"sentiment":"neutral","sentiment_score":0.09378203536782946},{"text":"Cool.","start":418.395,"end":418.895,"sentiment":"neutral","sentiment_score":0.31151217222213745},{"text":"So when we switch investment inside super, they do pay a little bit of capital gains tax under the hood, which we factor in whenever we change anything.","start":419.0,"end":427.5,"sentiment":"neutral","sentiment_score":0.10241674339132649},{"text":"So that's eight ninety one.","start":427.56,"end":429.58002,"sentiment":"neutral","sentiment_score":0.14017764031887053}],"sentiment":"neutral","sentiment_score":0.10670206796819881,"num_words":59,"start":409.915,"end":429.58002},{"sentences":[{"text":"And then we've got the performance differential at the bottom.","start":429.96002,"end":433.715,"sentiment":"neutral","sentiment_score":0.12747380807995795},{"text":"The five year rolling average goes from that nine and a half up to 11.33 and kinda gets to back into the double digits like we were talking about.","start":434.255,"end":442.595,"sentiment":"neutral","sentiment_score":0.14974296863736777},{"text":"Now this was based on the premiums going from 7,000 after the rebate to 2,600.","start":444.04,"end":449.26,"sentiment":"neutral","sentiment_score":0.060867121318976085},{"text":"That's the nonsmokers and the reduction.","start":449.56,"end":452.46,"sentiment":"neutral","sentiment_score":0.04268117621541023},{"text":"So it'll be a little bit more if we take it right down to zero.","start":452.68,"end":455.82,"sentiment":"neutral","sentiment_score":0.030222710967063905}],"sentiment":"neutral","sentiment_score":0.09652958283821741,"num_words":75,"start":429.96002,"end":455.82},{"sentences":[{"text":"If we go down past there, just before the updated projections, you've got an investment table on the next page.","start":458.365,"end":464.465,"sentiment":"neutral","sentiment_score":0.07023123055696487},{"text":"So what we're correct.","start":465.88498,"end":469.485,"sentiment":"neutral","sentiment_score":0.053488973528146744},{"text":"So this is essentially the updating of the portfolio where you've got the percentages in the third column of where things are currently at.","start":469.485,"end":477.47998,"sentiment":"neutral","sentiment_score":0.07137918518856168},{"text":"And then at the bottom correct.","start":477.69998,"end":485.925,"sentiment":"neutral","sentiment_score":0.020082383106152218},{"text":"That's the new portfolio the way we wanna weight them.","start":489.365,"end":492.185,"sentiment":"neutral","sentiment_score":0.09213733971118927}],"sentiment":"neutral","sentiment_score":0.06833669758634642,"num_words":64,"start":458.365,"end":492.185},{"sentences":[{"text":"So anything that goes to a zero is being sold and replaced, and anything with a dollar figure in there and a percentage next to it is part of the new portfolio.","start":493.525,"end":509.57,"sentiment":"neutral","sentiment_score":0.02595475356793031},{"text":"Yeah.","start":511.71,"end":512.11,"sentiment":"neutral","sentiment_score":0.05455124005675316},{"text":"So part of the rebalances, we put bit of a cap on certain investments.","start":512.11,"end":517.16504,"sentiment":"neutral","sentiment_score":0.081802030227014},{"text":"And when they go up and down, we just rebalance them back to the middle, essentially buy low to sell high.","start":517.22504,"end":523.005,"sentiment":"neutral","sentiment_score":0.07280029250042779},{"text":"Yeah.","start":532.6,"end":532.83997,"sentiment":"positive","sentiment_score":0.3979271650314331}],"sentiment":"neutral","sentiment_score":0.05734876934708892,"num_words":69,"start":493.525,"end":532.83997},{"sentences":[{"text":"It's fantastic time.","start":532.83997,"end":534.04,"sentiment":"positive","sentiment_score":0.6928322513898214},{"text":"So with a lot of drops in a lot of markets, there's a few areas we wanna invest into, and that's kind of being redeployed.","start":534.04,"end":540.45996,"sentiment":"neutral","sentiment_score":0.006536758244037628},{"text":"So that second row, you've been along Australian Equities.","start":540.68,"end":544.365,"sentiment":"neutral","sentiment_score":0.10776352799601024},{"text":"That was the underperformer.","start":544.365,"end":545.345,"sentiment":"neutral","sentiment_score":0.13091610185801983},{"text":"That's being replaced at the bottom with the Alfiniti Australian shares.","start":546.045,"end":549.825,"sentiment":"neutral","sentiment_score":0.12814984673803503}],"sentiment":"neutral","sentiment_score":0.09894423430355695,"num_words":52,"start":532.83997,"end":549.825},{"sentences":[{"text":"So that one, lower fees, has actually outperformed the Australian market over one, three, five, and ten years.","start":556.04004,"end":562.28,"sentiment":"positive","sentiment_score":0.5773529609044393},{"text":"It kind of brings you back into line with that double digit overall performance.","start":562.28,"end":566.38,"sentiment":"positive","sentiment_score":0.626742035150528},{"text":"K?","start":568.60004,"end":569.10004,"sentiment":"neutral","sentiment_score":0.08485633879899979},{"text":"There's been a few redistributions above there as well.","start":569.16003,"end":571.935,"sentiment":"neutral","sentiment_score":0.08658657781779766},{"text":"Again, just spreading it around a little bit, adding in a bit of health care, bit of India, few different sectors, which kinda act like satellites.","start":572.495,"end":580.675,"sentiment":"neutral","sentiment_score":0.15320423875863737}],"sentiment":"positive","sentiment_score":0.3531498166951625,"num_words":68,"start":556.04004,"end":580.675},{"sentences":[{"text":"So we're adding a few other satellites alongside it.","start":581.215,"end":583.875,"sentiment":"neutral","sentiment_score":0.16778607583708233},{"text":"K.","start":585.535,"end":585.935,"sentiment":"neutral","sentiment_score":-0.030668266117572784},{"text":"If you go down past there, you'll have your asset allocation pie chart on 18, which main thing here is just to make sure we're still above 90% in growth assets to keep you within the high growth range.","start":585.935,"end":599.36,"sentiment":"neutral","sentiment_score":0.14140911046893168},{"text":"But the main projection update yeah.","start":601.10004,"end":605.435,"sentiment":"neutral","sentiment_score":0.04329796228557825},{"text":"We're definitely slowly waiting further and further towards the international side.","start":605.575,"end":609.575,"sentiment":"neutral","sentiment_score":-0.11739655109969052}],"sentiment":"neutral","sentiment_score":0.09034526418668754,"num_words":66,"start":581.215,"end":609.575},{"sentences":[{"text":"The Australian market just continues to lag.","start":609.575,"end":611.835,"sentiment":"negative","sentiment_score":-0.4056171178817749},{"text":"K?","start":614.135,"end":614.635,"sentiment":"neutral","sentiment_score":0.007398733869194984},{"text":"The alternatives are still there.","start":615.575,"end":616.935,"sentiment":"neutral","sentiment_score":0.006471872329711914},{"text":"That's your gold.","start":616.935,"end":617.76,"sentiment":"neutral","sentiment_score":0.13695266594489416},{"text":"And then just a little bit of fixed interest as your defensive portion and the cash minimum for hub, which is 1.25.","start":618.24,"end":625.46,"sentiment":"neutral","sentiment_score":0.06082213636149059}],"sentiment":"neutral","sentiment_score":-0.027647808733347216,"num_words":38,"start":609.575,"end":625.46},{"sentences":[{"text":"Next page here.","start":627.68,"end":628.48,"sentiment":"neutral","sentiment_score":0.30991504589716595},{"text":"So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums.","start":628.48,"end":635.645,"sentiment":"neutral","sentiment_score":-0.012596439756453037},{"text":"So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums.","start":635.945,"end":647.48505,"sentiment":"neutral","sentiment_score":0.05500934345262318},{"text":"I think if we drop that straight to zero for the premiums, that'll probably impact it.","start":650.06,"end":655.28,"sentiment":"neutral","sentiment_score":0.07162586762569845},{"text":"Yeah.","start":655.82,"end":656.22003,"sentiment":"neutral","sentiment_score":0.1295597404241562}],"sentiment":"neutral","sentiment_score":0.05142986848005566,"num_words":69,"start":627.68,"end":656.22003},{"sentences":[{"text":"Yeah.","start":656.22003,"end":656.46,"sentiment":"neutral","sentiment_score":0.1848842203617096},{"text":"That'll make a big difference.","start":656.46,"end":657.58,"sentiment":"neutral","sentiment_score":0.31773046851158143},{"text":"Another 20 to 30,000 at least.","start":657.58,"end":659.595,"sentiment":"neutral","sentiment_score":0.15551837533712387},{"text":"Yeah.","start":668.475,"end":668.875,"sentiment":"neutral","sentiment_score":0.059006232768297195},{"text":"Correct.","start":668.875,"end":669.375,"sentiment":"neutral","sentiment_score":0.17341086268424988}],"sentiment":"neutral","sentiment_score":0.20993313645677908,"num_words":14,"start":656.22003,"end":669.375},{"sentences":[{"text":"If you look at the table below it, I'm basically trying to get you consistent double digits across all time periods here rather than it being a little bit up and down.","start":670.63495,"end":678.95,"sentiment":"neutral","sentiment_score":0.1193180336849764},{"text":"And yeah.","start":682.61,"end":686.31,"sentiment":"neutral","sentiment_score":0.07050549611449242},{"text":"Bit of a rough year with the the Iran war, but, again, getting close to double digits is the best best to aim for.","start":690.33496,"end":696.995,"sentiment":"neutral","sentiment_score":0.016884456233431894},{"text":"The main one too.","start":699.20996,"end":700.25,"sentiment":"neutral","sentiment_score":0.06699637323617935},{"text":"So I wanna skip a few pages here because '20 onwards is the reduction of the insurances to a mil and the nonsmokers.","start":700.25,"end":707.63,"sentiment":"neutral","sentiment_score":0.009490633626347002}],"sentiment":"neutral","sentiment_score":0.05706688336589757,"num_words":85,"start":670.63495,"end":707.63},{"sentences":[{"text":"Right?","start":707.76996,"end":708.26996,"sentiment":"neutral","sentiment_score":0.046994488686323166},{"text":"But there's a impact table here.","start":708.32996,"end":711.38995,"sentiment":"neutral","sentiment_score":-0.03806096315383911},{"text":"So if you go to page 22, there's a kind of small gray table, which shows you a five and ten year impact of the current premiums, the reduced premiums, and no premiums at all.","start":711.435,"end":723.63,"sentiment":"neutral","sentiment_score":-0.08553479010505335},{"text":"This will actually give you a bit of an indication for the full cancellation.","start":723.71,"end":726.61,"sentiment":"neutral","sentiment_score":-0.13349547450031554},{"text":"Yep.","start":734.43,"end":734.93,"sentiment":"neutral","sentiment_score":0.033759474754333496}],"sentiment":"neutral","sentiment_score":-0.08789940547655549,"num_words":57,"start":707.76996,"end":734.93},{"sentences":[{"text":"Again, it's impacting things by about a $100,000 per decade, just having it at that level.","start":735.87,"end":740.945,"sentiment":"neutral","sentiment_score":-0.009164571762084961},{"text":"Cool.","start":743.885,"end":744.385,"sentiment":"positive","sentiment_score":0.4838828146457672},{"text":"So I will update this one for the removal of insurances.","start":744.60504,"end":749.10504,"sentiment":"neutral","sentiment_score":0.14198621599511665},{"text":"The other documents that are contained within this pack is like an appendix with updated research, the nonsmoker's declaration, which all get removed.","start":749.72504,"end":757.55,"sentiment":"neutral","sentiment_score":0.07634389546254407},{"text":"There is a tax file number opt in form just because that's an important number to submit to the providers.","start":758.00995,"end":764.11,"sentiment":"neutral","sentiment_score":0.09476959649473429}],"sentiment":"neutral","sentiment_score":0.07817464180185761,"num_words":71,"start":735.87,"end":764.11},{"sentences":[{"text":"And then just an updated service agreement there as well with us and Hub twenty four.","start":765.965,"end":771.025,"sentiment":"neutral","sentiment_score":0.09777479246258736},{"text":"Now with the advice fees factored in, so we normally charge about 1.65% spread throughout the year.","start":773.72504,"end":780.65,"sentiment":"neutral","sentiment_score":0.08122390990748125},{"text":"That's been factored into the projections as well.","start":780.65,"end":783.07,"sentiment":"neutral","sentiment_score":0.08095894008874893},{"text":"We're just coming out with a bit of a tiered fee structure as well.","start":783.69,"end":787.39,"sentiment":"neutral","sentiment_score":0.08386586872594697},{"text":"So the next agreement will essentially have discounts above 200,000.","start":787.61,"end":792.75,"sentiment":"neutral","sentiment_score":0.09077041521668434}],"sentiment":"neutral","sentiment_score":0.0873030920441334,"num_words":65,"start":765.965,"end":792.75},{"sentences":[{"text":"It'll start reducing the percentage fees beyond that point.","start":792.965,"end":796.185,"sentiment":"neutral","sentiment_score":0.0552599396970537},{"text":"So I'll include a bit of an updated financial services guide with it just so you can see that new structure.","start":799.045,"end":804.825,"sentiment":"neutral","sentiment_score":0.07921345425503594},{"text":"And No.","start":807.81,"end":810.13,"sentiment":"neutral","sentiment_score":-0.053926076740026474},{"text":"So this one had signatures for for the nonsmoker's declaration, the statement of advice, and the consent forms for the tax phone number.","start":810.13,"end":817.03,"sentiment":"neutral","sentiment_score":-0.05664179814250573},{"text":"Yeah.","start":817.33,"end":817.65,"sentiment":"neutral","sentiment_score":-0.06738263368606567}],"sentiment":"neutral","sentiment_score":0.012193318789026566,"num_words":56,"start":792.965,"end":817.65},{"sentences":[{"text":"So I'm gonna avoid this one, and I'll send you a text message once I've got it resent.","start":817.65,"end":822.815,"sentiment":"neutral","sentiment_score":-0.04898298016956283},{"text":"Yep.","start":824.875,"end":825.275,"sentiment":"neutral","sentiment_score":0.2535993456840515},{"text":"Save your saving signing half of two packs.","start":825.275,"end":827.595,"sentiment":"neutral","sentiment_score":0.144793672952801},{"text":"I'll just send you a refresh.","start":827.595,"end":828.975,"sentiment":"neutral","sentiment_score":0.10822220395008723},{"text":"Cool.","start":831.035,"end":831.435,"sentiment":"neutral","sentiment_score":0.29674434661865234}],"sentiment":"neutral","sentiment_score":0.04342154872275012,"num_words":34,"start":817.65,"end":831.435},{"sentences":[{"text":"Any questions at this point?","start":831.435,"end":832.895,"sentiment":"neutral","sentiment_score":0.018939567729830742},{"text":"That's the only other alternative is get costs down, which we're doing with the insurances, improve returns, which we're doing with the new high growth portfolio, and put more money in in terms of contributions.","start":845.93,"end":855.685,"sentiment":"neutral","sentiment_score":0.2593669293182237},{"text":"That's your trifecta.","start":855.825,"end":856.965,"sentiment":"neutral","sentiment_score":0.3136565486590068},{"text":"Yeah.","start":874.94,"end":875.25995,"sentiment":"positive","sentiment_score":0.369736909866333},{"text":"Absolutely.","start":875.25995,"end":875.75995,"sentiment":"positive","sentiment_score":0.5765520334243774}],"sentiment":"neutral","sentiment_score":0.24577331009010475,"num_words":45,"start":831.435,"end":875.75995},{"sentences":[{"text":"For every $100 a week in there, it's gonna have a pretty big impact over ten, fifteen years.","start":876.605,"end":882.065,"sentiment":"positive","sentiment_score":0.452826867500941},{"text":"We the way you would basically do it is if you did a direct debit, we'll send you BPA details or EFT details to do that.","start":882.365,"end":889.11,"sentiment":"neutral","sentiment_score":0.1968755435485106},{"text":"When they go in for the year and it comes to June, we submit a notice of intent to claim form to the Superfund to convert that as a tax deduction for you.","start":889.51,"end":899.29,"sentiment":"neutral","sentiment_score":0.16707264677141653},{"text":"You can do it through the pay.","start":903.925,"end":905.365,"sentiment":"neutral","sentiment_score":0.11858622304030828},{"text":"So if you've got access to the accounting side, the business side of things, you can essentially salary sacrifice pretax.","start":905.365,"end":912.585,"sentiment":"neutral","sentiment_score":0.2080908916890621}],"sentiment":"neutral","sentiment_score":0.22860544697883037,"num_words":104,"start":876.605,"end":912.585},{"sentences":[{"text":"It's it's smoother because it gets applied immediately every pay as opposed to contributing it in regularly and then having to claim it back in your tax return every twelve months.","start":916.325,"end":928.635,"sentiment":"positive","sentiment_score":0.37515322118997574},{"text":"Yep.","start":933.115,"end":933.435,"sentiment":"neutral","sentiment_score":0.1713072955608368},{"text":"Would you like me to send through some payment details for the account just so you've got them there?","start":933.435,"end":938.015,"sentiment":"neutral","sentiment_score":0.1161259114742279},{"text":"Yep.","start":939.755,"end":940.255,"sentiment":"neutral","sentiment_score":0.2437064498662949},{"text":"Easy done.","start":941.275,"end":942.18,"sentiment":"positive","sentiment_score":0.5762905478477478}],"sentiment":"neutral","sentiment_score":0.28525438918559637,"num_words":54,"start":916.325,"end":942.18},{"sentences":[{"text":"So update the assets and liabilities, get the home removed, BPA details there.","start":942.66,"end":947.8,"sentiment":"neutral","sentiment_score":0.1450497731566429},{"text":"Portfolio is good.","start":949.46,"end":950.89996,"sentiment":"positive","sentiment_score":0.4033875564734141},{"text":"Insurance cancellation letter.","start":950.89996,"end":952.83997,"sentiment":"neutral","sentiment_score":0.01197478175163269},{"text":"Alright.","start":954.83496,"end":955.075,"sentiment":"neutral","sentiment_score":0.07696331292390823},{"text":"Let me just double check.","start":955.075,"end":955.875,"sentiment":"neutral","sentiment_score":0.05028273090720177}],"sentiment":"neutral","sentiment_score":0.13840444132685661,"num_words":25,"start":942.66,"end":955.875},{"sentences":[{"text":"Was there anything else that we were needing to sort today?","start":955.875,"end":958.935,"sentiment":"neutral","sentiment_score":0.004185345277867534},{"text":"The only thing I can't quite recall, and I do forgive me for this, but just in terms of beneficiary nominations and things like that, I'll log in and have a look.","start":964.035,"end":982.08,"sentiment":"neutral","sentiment_score":-0.09418032976100221},{"text":"I do know I think we were just putting a hold on that for a second.","start":982.38,"end":985.665,"sentiment":"neutral","sentiment_score":-0.11398869496770203},{"text":"I believe so.","start":995.485,"end":996.245,"sentiment":"neutral","sentiment_score":-0.03830566008885702},{"text":"I think we were just gonna give it some thought while it was all going through and processing.","start":996.245,"end":1000.37,"sentiment":"neutral","sentiment_score":-0.03731490133537187}],"sentiment":"neutral","sentiment_score":-0.06972670097602532,"num_words":80,"start":955.875,"end":1000.37},{"sentences":[{"text":"I'll have a quick look at it now just to double check.","start":1001.39,"end":1003.81,"sentiment":"neutral","sentiment_score":0.09041787063082059},{"text":"If that is the case, do you want me to get forms emailed through that you can print out and sign and witness or post it out to you with a return envelope.","start":1004.19,"end":1013.565,"sentiment":"neutral","sentiment_score":0.060342764030351784},{"text":"Email's fine.","start":1015.625,"end":1016.765,"sentiment":"neutral","sentiment_score":0.01576523599214852},{"text":"Alright.","start":1017.865,"end":1018.10504,"sentiment":"neutral","sentiment_score":0.12477801740169524},{"text":"Here, I've got your account coming open now.","start":1018.10504,"end":1020.125,"sentiment":"neutral","sentiment_score":0.12700036354362965}],"sentiment":"neutral","sentiment_score":0.0758685188983301,"num_words":56,"start":1001.39,"end":1020.125},{"sentences":[{"text":"And account details, we have yep.","start":1022.825,"end":1027.88,"sentiment":"neutral","sentiment_score":0.11389335493246715},{"text":"Spouse is still listed, and it's a non lapsing binding nomination.","start":1027.94,"end":1031.3999,"sentiment":"neutral","sentiment_score":0.05341222839937969},{"text":"So I'll send you some forms there.","start":1031.5399,"end":1033.24,"sentiment":"neutral","sentiment_score":0.1466810405254364},{"text":"If you want any help in terms of who you can nominate or types of nominations, just give us a buzz.","start":1033.7,"end":1038.915,"sentiment":"neutral","sentiment_score":0.11568881145545415},{"text":"But if you have anyone in mind now, I can kind of run through that with you.","start":1039.795,"end":1042.755,"sentiment":"neutral","sentiment_score":0.08249684072592679}],"sentiment":"neutral","sentiment_score":0.09886408481566657,"num_words":62,"start":1022.825,"end":1042.755},{"sentences":[{"text":"We'll just let you have some time to think about it.","start":1042.755,"end":1044.775,"sentiment":"neutral","sentiment_score":0.07699196480891922},{"text":"Easy done.","start":1048.355,"end":1049.255,"sentiment":"positive","sentiment_score":0.6683790981769562},{"text":"Alrighty.","start":1049.635,"end":1050.135,"sentiment":"neutral","sentiment_score":0.3197561502456665},{"text":"So there'll be when you get these documents through to you, I'll send you a with the update.","start":1050.275,"end":1054.82,"sentiment":"neutral","sentiment_score":0.17383128735754225},{"text":"Basically, how the system works is you can click you can scroll through the documents.","start":1055.76,"end":1059.6799,"sentiment":"neutral","sentiment_score":0.12533521950244902}],"sentiment":"neutral","sentiment_score":0.15983866860574863,"num_words":47,"start":1042.755,"end":1059.6799},{"sentences":[{"text":"You can click next document to skip around between them.","start":1059.6799,"end":1062.34,"sentiment":"neutral","sentiment_score":0.06625210605561734},{"text":"There will be half of them to kind of skip through in terms of appendix research and product provider documents.","start":1062.48,"end":1067.94,"sentiment":"neutral","sentiment_score":0.06254885662347079},{"text":"The other ones to sign would be the advice document to proceed, the cancellation letter so we can submit that to the provider, and then the consent form with the super fund and the tax file number consent as well.","start":1069.005,"end":1083.52,"sentiment":"neutral","sentiment_score":0.04438856998458505},{"text":"So before to sign.","start":1083.66,"end":1085.28,"sentiment":"neutral","sentiment_score":0.005923615302890539},{"text":"Outside of that, I'll probably have to send through to get some updated ID to submit along with it unless we've already gotten that from you.","start":1087.74,"end":1096.32,"sentiment":"neutral","sentiment_score":-0.005011307433820686}],"sentiment":"neutral","sentiment_score":0.03582441460341215,"num_words":100,"start":1059.6799,"end":1096.32},{"sentences":[{"text":"Awesome.","start":1100.785,"end":1101.265,"sentiment":"positive","sentiment_score":0.7450644969940186},{"text":"Any questions for me so far?","start":1101.265,"end":1102.805,"sentiment":"positive","sentiment_score":0.36185341080029804},{"text":"Awesome.","start":1104.9451,"end":1105.4451,"sentiment":"positive","sentiment_score":0.6394274234771729},{"text":"I appreciate yours, and just keep an ear out for that text and the updated email.","start":1105.801,"end":1110.141,"sentiment":"positive","sentiment_score":0.5985443200916052},{"text":"Thanks, Andrew.","start":1112.441,"end":1113.0809,"sentiment":"positive","sentiment_score":0.7106529474258423}],"sentiment":"positive","sentiment_score":0.5597549000611672,"num_words":26,"start":1100.785,"end":1113.0809},{"sentences":[{"text":"Have a good one.","start":1113.0809,"end":1114.061,"sentiment":"positive","sentiment_score":0.5350424647331238}],"sentiment":"positive","sentiment_score":0.5350424647331238,"num_words":4,"start":1113.0809,"end":1114.061}]}}]},{"alternatives":[{"transcript":"Hello. This is Andrew speaking. Yeah. Good. How are you? Yes. I couldn't remember when our meeting was, but it must be now. Yes. I do. Yes. Yes. Yes. Oh, wow. That sounds that sounds a lot. It's pretty nice down here in Sydney, actually, as well. Sunny wise. Yeah. Yes. Give me two seconds. I'll have to get my computer. First thing I wanted to let you know though is I want to discontinue my life insurance. Yeah. I I I got a thing from the life insurance. I want, like, $7.5 this year. I don't have a mortgage. I don't have any kids. I've I I just can't see the point in the life insurance anymore. Yeah. Yeah. I mean, look, I'm I'm I I still I don't I don't smoke anymore, but I have I do vape to get away from this. So it's still not gonna really work. What what I'm okay. I'm on my email. You want me on my email? 050776. Address not sure what I've got it down as. It should be 307 Number 2 Elizabeth Bay Road, Elizabeth Bay, New South Wales 2011. Good. Okay. Yeah. And you send that through to my Gmail? Yes. Got you. Okay. Yeah. I am I I I spoke to you I spoke to you a couple of months ago, didn't I? I was over in The UK. Okay. So what am I doing to sign open the signed document? Okay. Okay. I've started putting some money back into my super again finally as well. Yep. No. Okay. Alright. I'm out. It sure does. Yep. Just go to my ship. Got it. Okay. Thank you. Mhmm. Yes. So the property the property is no longer mine. Yeah. So in regards to assets, all I all I have in asset now is my business. Yeah. Yeah. The business. Yes. I got a business in The UK. Yes. Page. Yep. Yep. Got it. Yep. Yep. Yeah. I wanna get yes, please. Is that that that's okay, isn't it? We can still we can still manage the super company. Yeah. That's Yep. Thank you. Appreciate that. Absolutely. Yep. Yep. Okay. Okay. Okay. 15. Yep. Okay. Yeah. Yeah. Yep. Alright. Okay. Yeah. Of course. Yep. So this is what I'm invested in at the moment. So sorry. Current balance current balance is what we currently have in them? And target balance is what? Okay. Yeah. Right. Okay. So how about that global x physical gold 17,000 and it goes to 13? Is that when we're taking money out and reinvesting it? Is it a good must be a must be a good time to be in the share market, isn't it? With the global changes daily changes. Yeah. Okay. Okay. Okay. Yep. It's sixty sixty percent in international shares. Yeah. Yeah. Okay. Okay. Beautiful. Right. Okay. Yep. Big, big difference. Yeah. So we're saying we should be up around 274,000 in five years. But it'll make a difference without that 7,000 a year, won't it? 5,000 a year. Right with this. Alright. Do a little bit just a little bit under in twelve months. Yeah. Okay. Yep. Yep. Oh, beautiful. Yeah. So 04/23 in the ten year if there's no insurance. Yeah. Yep. Sounds good. Sounds good. Okay. Yep. Yep. Yep. Okay. So signature is it's just one signature for the document? Are you gonna send me another one? Okay. Okay. Wonderful. I'll do it. Okay. Sounds good. Okay. And re recommendation moving forward, obviously, that's me, you know, with my wages going in, and we're on a we're on a high growth. How do I grow this in the fastest way? Should I be chucking more money in here? Or mhmm. Yeah. Okay. And to put more money in if I wanna set up, like, a direct I can set up a direct debit or something to chuck in, like, an extra $100 a week or something like that. Or is that worth it? Is it Yeah. Okay. Is that is that the only way to do it, or can I do it through my actual pay? Awesome. Okay. Yeah. Is that better or same? Yeah. Okay. I might do that then. I might talk to my accountant and get get that to happen. Yeah. That'd be good. Yeah. Yes. And that's fine. I don't think so. Then that was it. Yeah. I I need to I need to rethink that. Yeah. Have I have I not got that? Should've been should've should've been under my under my ex wife as well, still my wife. It should be under that at the moment. Yeah. Yeah. No. No. Email. Email. Yeah. Okay. Thank you. Appreciate that. Yep. Okay. Okay. Sounds good. Okay. Yeah. Sounds good. No. It's all good. Thanks, Tommy. Appreciate your time. Okay. All good. Cheers, man. Have a good one. 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This is Andrew speaking. Yeah. Good. How are you?\n\nYes. I couldn't remember when our meeting was, but it must be now. Yes. I do. Yes.\n\nYes. Yes. Oh, wow. That sounds that sounds a lot. It's pretty nice down here in Sydney, actually, as well.\n\nSunny wise. Yeah. Yes. Give me two seconds. I'll have to get my computer.\n\nFirst thing I wanted to let you know though is I want to discontinue my life insurance. Yeah. I I I got a thing from the life insurance. I want, like, $7.5 this year. I don't have a mortgage.\n\nI don't have any kids. I've I I just can't see the point in the life insurance anymore. Yeah. Yeah. I mean, look, I'm I'm I I still I don't I don't smoke anymore, but I have I do vape to get away from this.\n\nSo it's still not gonna really work. What what I'm okay. I'm on my email. You want me on my email? 050776.\n\nAddress not sure what I've got it down as. It should be 307 Number 2 Elizabeth Bay Road, Elizabeth Bay, New South Wales 2011. Good. Okay. Yeah.\n\nAnd you send that through to my Gmail? Yes. Got you. Okay. Yeah.\n\nI am I I I spoke to you I spoke to you a couple of months ago, didn't I? I was over in The UK. Okay. So what am I doing to sign open the signed document? Okay.\n\nOkay. I've started putting some money back into my super again finally as well. Yep. No. Okay.\n\nAlright. I'm out. It sure does. Yep. Just go to my ship.\n\nGot it. Okay. Thank you. Mhmm. Yes.\n\nSo the property the property is no longer mine. Yeah. So in regards to assets, all I all I have in asset now is my business. Yeah. Yeah.\n\nThe business. Yes. I got a business in The UK. Yes. Page.\n\nYep. Yep. Got it. Yep. Yep.\n\nYeah. I wanna get yes, please. Is that that that's okay, isn't it? We can still we can still manage the super company. Yeah.\n\nThat's Yep. Thank you. Appreciate that. Absolutely. Yep.\n\nYep. Okay. Okay. Okay. 15.\n\nYep. Okay. Yeah. Yeah. Yep.\n\nAlright. Okay. Yeah. Of course. Yep.\n\nSo this is what I'm invested in at the moment. So sorry. Current balance current balance is what we currently have in them? And target balance is what? Okay.\n\nYeah. Right. Okay. So how about that global x physical gold 17,000 and it goes to 13? Is that when we're taking money out and reinvesting it?\n\nIs it a good must be a must be a good time to be in the share market, isn't it? With the global changes daily changes. Yeah. Okay. Okay.\n\nOkay. Yep. It's sixty sixty percent in international shares. Yeah. Yeah.\n\nOkay. Okay. Beautiful. Right. Okay.\n\nYep. Big, big difference. Yeah. So we're saying we should be up around 274,000 in five years. But it'll make a difference without that 7,000 a year, won't it?\n\n5,000 a year. Right with this. Alright. Do a little bit just a little bit under in twelve months. Yeah.\n\nOkay. Yep. Yep. Oh, beautiful. Yeah.\n\nSo 04/23 in the ten year if there's no insurance. Yeah. Yep. Sounds good. Sounds good.\n\nOkay. Yep. Yep. Yep. Okay.\n\nSo signature is it's just one signature for the document? Are you gonna send me another one? Okay. Okay. Wonderful.\n\nI'll do it. Okay. Sounds good. Okay. And re recommendation moving forward, obviously, that's me, you know, with my wages going in, and we're on a we're on a high growth.\n\nHow do I grow this in the fastest way? Should I be chucking more money in here? Or mhmm. Yeah. Okay.\n\nAnd to put more money in if I wanna set up, like, a direct I can set up a direct debit or something to chuck in, like, an extra $100 a week or something like that. Or is that worth it? Is it Yeah. Okay. Is that is that the only way to do it, or can I do it through my actual pay?\n\nAwesome. Okay. Yeah. Is that better or same? Yeah.\n\nOkay. I might do that then. I might talk to my accountant and get get that to happen. Yeah. That'd be good.\n\nYeah. Yes. And that's fine. I don't think so. Then that was it.\n\nYeah. I I need to I need to rethink that. Yeah. Have I have I not got that? Should've been should've should've been under my under my ex wife as well, still my wife.\n\nIt should be under that at the moment. Yeah. Yeah. No. No.\n\nEmail. Email. Yeah. Okay. Thank you.\n\nAppreciate that. Yep. Okay. Okay. Sounds good.\n\nOkay. Yeah. Sounds good. No. It's all good.\n\nThanks, Tommy. Appreciate your time. Okay. All good. Cheers, man.\n\nHave a good one. 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good.","start":829.84,"end":830.66003,"sentiment":"positive","sentiment_score":0.4316796809434891},{"text":"Okay.","start":832.005,"end":832.505,"sentiment":"neutral","sentiment_score":0.03565569967031479},{"text":"And re recommendation moving forward, obviously, that's me, you know, with my wages going in, and we're on a we're on a high growth.","start":833.52496,"end":840.485,"sentiment":"neutral","sentiment_score":0.11550320746997993}],"sentiment":"neutral","sentiment_score":0.1470545532722627,"num_words":31,"start":825.60004,"end":840.485},{"sentences":[{"text":"How do I grow this in the fastest way?","start":840.485,"end":842.885,"sentiment":"neutral","sentiment_score":0.24151250388887194},{"text":"Should I be chucking more money in here?","start":842.885,"end":844.725,"sentiment":"neutral","sentiment_score":0.0574264507740736},{"text":"Or mhmm.","start":844.725,"end":858.05,"sentiment":"neutral","sentiment_score":0.058028850704431534},{"text":"Yeah.","start":858.05,"end":858.37,"sentiment":"neutral","sentiment_score":0.12524369359016418},{"text":"Okay.","start":858.37,"end":858.87,"sentiment":"neutral","sentiment_score":0.13265731930732727}],"sentiment":"neutral","sentiment_score":0.1431896597856567,"num_words":21,"start":840.485,"end":858.87},{"sentences":[{"text":"And to put more money in if I wanna set up, like, a direct I can set up a direct debit or something to chuck in, like, an extra $100 a week or something like that.","start":859.17,"end":870.605,"sentiment":"neutral","sentiment_score":0.12982617422110504},{"text":"Or is that worth it?","start":871.225,"end":872.505,"sentiment":"neutral","sentiment_score":0.12523234486579896},{"text":"Is it Yeah.","start":872.505,"end":883.01,"sentiment":"neutral","sentiment_score":0.19364224870999655},{"text":"Okay.","start":899.245,"end":899.745,"sentiment":"neutral","sentiment_score":0.10663962364196776},{"text":"Is that is that the only way to do it, or can I do it through my actual pay?","start":899.805,"end":903.185,"sentiment":"neutral","sentiment_score":0.05886706102051233}],"sentiment":"neutral","sentiment_score":0.11103038321016356,"num_words":64,"start":859.17,"end":903.185},{"sentences":[{"text":"Awesome.","start":909.02,"end":909.52,"sentiment":"positive","sentiment_score":0.6065298318862915},{"text":"Okay.","start":913.34,"end":913.84,"sentiment":"neutral","sentiment_score":0.2039444595575333},{"text":"Yeah.","start":913.9,"end":914.30005,"sentiment":"neutral","sentiment_score":0.21893858909606936},{"text":"Is that better or same?","start":914.30005,"end":916.4,"sentiment":"neutral","sentiment_score":0.19820946007966994},{"text":"Yeah.","start":928.715,"end":928.955,"sentiment":"neutral","sentiment_score":0.2294842004776001}],"sentiment":"neutral","sentiment_score":0.249993820157316,"num_words":9,"start":909.02,"end":928.955},{"sentences":[{"text":"Okay.","start":928.955,"end":929.195,"sentiment":"neutral","sentiment_score":0.2126861810684204},{"text":"I might do that then.","start":929.195,"end":930.075,"sentiment":"neutral","sentiment_score":0.1898144692182541},{"text":"I might talk to my accountant and get get that to happen.","start":930.075,"end":932.61,"sentiment":"neutral","sentiment_score":0.15341314921776453},{"text":"Yeah.","start":938.20996,"end":938.61,"sentiment":"neutral","sentiment_score":0.21667316555976868},{"text":"That'd be good.","start":938.61,"end":939.08997,"sentiment":"positive","sentiment_score":0.35852961738904315}],"sentiment":"neutral","sentiment_score":0.19522628797726196,"num_words":22,"start":928.955,"end":939.08997},{"sentences":[{"text":"Yeah.","start":939.08997,"end":939.49,"sentiment":"neutral","sentiment_score":0.2173106074333191},{"text":"Yes.","start":939.49,"end":939.73,"sentiment":"neutral","sentiment_score":0.2178731858730316},{"text":"And that's fine.","start":939.73,"end":940.70996,"sentiment":"neutral","sentiment_score":0.30876417954762775},{"text":"I don't think so.","start":948.405,"end":961.36505,"sentiment":"neutral","sentiment_score":0.0022623334079980816},{"text":"Then that was it.","start":961.36505,"end":962.42505,"sentiment":"neutral","sentiment_score":-0.07338353246450424}],"sentiment":"neutral","sentiment_score":0.08284550274793918,"num_words":13,"start":939.08997,"end":962.42505},{"sentences":[{"text":"Yeah.","start":971.27,"end":971.77,"sentiment":"neutral","sentiment_score":-0.21893636882305145},{"text":"I I need to I need to rethink that.","start":971.83,"end":976.01,"sentiment":"negative","sentiment_score":-0.37191375096638996},{"text":"Yeah.","start":977.35,"end":977.83,"sentiment":"neutral","sentiment_score":-0.10507424920797348},{"text":"Have I have I not got that?","start":977.83,"end":979.45,"sentiment":"neutral","sentiment_score":-0.13991546205111913},{"text":"Should've been should've should've been under my under my ex wife as well, still my wife.","start":983.295,"end":989.795,"sentiment":"neutral","sentiment_score":-0.09727122401818633}],"sentiment":"neutral","sentiment_score":-0.1825582998640397,"num_words":34,"start":971.27,"end":989.795},{"sentences":[{"text":"It should be under that at the moment.","start":991.215,"end":993.555,"sentiment":"neutral","sentiment_score":-0.07716173026710749},{"text":"Yeah.","start":1000.43,"end":1000.67,"sentiment":"neutral","sentiment_score":0.05111376941204071},{"text":"Yeah.","start":1000.67,"end":1001.17,"sentiment":"neutral","sentiment_score":0.060198914259672165},{"text":"No.","start":1013.575,"end":1013.655,"sentiment":"neutral","sentiment_score":-0.09822116792201996},{"text":"No.","start":1013.655,"end":1013.895,"sentiment":"neutral","sentiment_score":-0.10577758401632308}],"sentiment":"neutral","sentiment_score":-0.05916499253362417,"num_words":12,"start":991.215,"end":1013.895},{"sentences":[{"text":"Email.","start":1013.895,"end":1014.395,"sentiment":"neutral","sentiment_score":-0.07014213502407074},{"text":"Email.","start":1014.455,"end":1014.955,"sentiment":"neutral","sentiment_score":-0.06999912858009338},{"text":"Yeah.","start":1044.7849,"end":1045.025,"sentiment":"neutral","sentiment_score":0.18092438578605652},{"text":"Okay.","start":1045.025,"end":1045.525,"sentiment":"positive","sentiment_score":0.336005836725235},{"text":"Thank you.","start":1045.825,"end":1046.465,"sentiment":"positive","sentiment_score":0.6238948702812195}],"sentiment":"neutral","sentiment_score":0.2707631165782611,"num_words":6,"start":1013.895,"end":1046.465},{"sentences":[{"text":"Appreciate that.","start":1046.465,"end":1047.445,"sentiment":"positive","sentiment_score":0.7146671712398529},{"text":"Yep.","start":1073.2949,"end":1073.7949,"sentiment":"neutral","sentiment_score":-0.0061666956171393394},{"text":"Okay.","start":1083.7799,"end":1084.2799,"sentiment":"neutral","sentiment_score":0.014405175112187862},{"text":"Okay.","start":1086.02,"end":1086.52,"sentiment":"neutral","sentiment_score":0.12936663627624512},{"text":"Sounds good.","start":1086.6599,"end":1087.48,"sentiment":"positive","sentiment_score":0.39668941497802734}],"sentiment":"positive","sentiment_score":0.337188326886722,"num_words":7,"start":1046.465,"end":1087.48},{"sentences":[{"text":"Okay.","start":1094.4199,"end":1094.9199,"sentiment":"neutral","sentiment_score":-0.01654616743326187},{"text":"Yeah.","start":1095.165,"end":1095.665,"sentiment":"neutral","sentiment_score":0.04724954813718796},{"text":"Sounds good.","start":1099.405,"end":1100.2251,"sentiment":"positive","sentiment_score":0.5608955025672913},{"text":"No.","start":1102.765,"end":1103.005,"sentiment":"neutral","sentiment_score":-0.05254287272691727},{"text":"It's all good.","start":1103.005,"end":1103.645,"sentiment":"positive","sentiment_score":0.3618216315905253}],"sentiment":"neutral","sentiment_score":0.2731770509853959,"num_words":8,"start":1094.4199,"end":1103.645},{"sentences":[{"text":"Thanks, Tommy.","start":1103.645,"end":1104.365,"sentiment":"positive","sentiment_score":0.7220946550369263},{"text":"Appreciate your time.","start":1104.365,"end":1105.505,"sentiment":"positive","sentiment_score":0.7220999002456665},{"text":"Okay.","start":1110.591,"end":1111.091,"sentiment":"positive","sentiment_score":0.3857138752937317},{"text":"All good.","start":1111.231,"end":1111.971,"sentiment":"positive","sentiment_score":0.5483234524726868},{"text":"Cheers, man.","start":1112.111,"end":1112.931,"sentiment":"positive","sentiment_score":0.672835499048233}],"sentiment":"positive","sentiment_score":0.6438520789146424,"num_words":10,"start":1103.645,"end":1112.931},{"sentences":[{"text":"Have a good one.","start":1112.991,"end":1113.971,"sentiment":"positive","sentiment_score":0.5867453813552856},{"text":"Bye.","start":1114.511,"end":1115.011,"sentiment":"neutral","sentiment_score":-0.10944481939077376}],"sentiment":"positive","sentiment_score":0.44750734120607377,"num_words":5,"start":1112.991,"end":1115.011}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Andrew speaking.\n\nChannel 0: Good afternoon, Andrew. It's Tommy here, senior adviser from Oakview. How you been?\n\nChannel 1: Yeah. Good. How are you? Yes. I couldn't\n\nChannel 0: Right?\n\nChannel 1: remember when our meeting was, but it must be now.\n\nChannel 0: Yeah. Yeah. Do you have a bit of time for me? Only\n\nChannel 1: Yes.\n\nChannel 0: about\n\nChannel 1: I do. Yes. Yes.\n\nChannel 0: yep. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: I've been really good. Sunny and beautiful in the Gold Coast. A little bit low on sleep with the newborn there and the three year old broke his leg. But other than that, fantastic.\n\nChannel 1: Oh, wow. That sounds that sounds a lot. It's pretty nice down here in Sydney, actually, as well.\n\nChannel 0: Good to hear,\n\nChannel 1: Sunny\n\nChannel 0: mate. Good\n\nChannel 1: wise.\n\nChannel 0: to hear. Will you be able to have access to your emails today to run through these documents with me?\n\nChannel 1: Yeah. Yes. Give me two seconds. I'll have to get my computer.\n\nChannel 0: No worries.\n\nChannel 1: First thing I wanted to let you know though is\n\nChannel 0: Yes.\n\nChannel 1: I want to discontinue my life insurance.\n\nChannel 0: Oh, cool. Okay.\n\nChannel 1: Yeah. I I I got a thing from the life insurance. I want, like, $7.5 this year. I don't have a mortgage. I don't have any kids.\n\nI've I I just can't see the point in the life insurance anymore.\n\nChannel 0: Gotcha. I was going through an update with the nonsmokers rates and a bit of a reduction\n\nChannel 1: Yeah.\n\nChannel 0: today with you.\n\nChannel 1: Yeah. I mean, look, I'm I'm I I still I don't I don't smoke anymore, but I have I do vape to get away from this.\n\nChannel 0: Gotcha.\n\nChannel 1: So it's still not gonna really work.\n\nChannel 0: Okay. Yeah. No worries.\n\nChannel 1: What what I'm okay. I'm on my email. You want me on my email?\n\nChannel 0: Cool. So I'll pop that through. And just while I've got that coming through, can I just confirm for security date of birth and address?\n\nChannel 1: 050776.\n\nChannel 0: Mhmm.\n\nChannel 1: Address not sure what I've got it down as. It should be 307 Number 2 Elizabeth Bay Road, Elizabeth Bay,\n\nChannel 0: Correct.\n\nChannel 1: New South Wales 2011.\n\nChannel 0: Yep.\n\nChannel 1: Good.\n\nChannel 0: That's the one. Alrighty. So this will make things nice and easy for me today. What I'll do there's quite a few documents in there today, but I will amend it straight after the call. So what I basically wanna do is just run through what the plan is, and then I'll make those amendments and send\n\nChannel 1: Okay.\n\nChannel 0: it back to you.\n\nChannel 1: Yeah. And you send that through to my Gmail? Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Got you.\n\nChannel 0: N d t. Yep.\n\nChannel 1: Okay. Yeah. I am I I I spoke to you I spoke to you a couple of months ago, didn't I? I was over in The UK.\n\nChannel 0: Yeah. That's right.\n\nChannel 1: Okay. So what am I doing to sign open the signed document?\n\nChannel 0: Yeah. So when you hit that, it'll bring up all the documents to peruse together. I just wanna go through the first one today, which is the advice\n\nChannel 1: Okay.\n\nChannel 0: document, see if you're happy with the other side of the plan, and then I'll kind of get a refresh sent through to you\n\nChannel 1: Okay.\n\nChannel 0: afterwards.\n\nChannel 1: I've started\n\nChannel 0: So,\n\nChannel 1: putting some money back into my super again finally as well.\n\nChannel 0: yeah, I did see that coming through, and I have based these on, I guess, the projections that we were discussing previously, which was, like, based on 60,000 being drawn out and some contributions based off of that. So I've gone\n\nChannel 1: Yep.\n\nChannel 0: I've used that as the baseline for the\n\nChannel 1: No.\n\nChannel 0: projections, but, obviously, it may change depending on your contribution level.\n\nChannel 1: Okay. Alright. I'm out.\n\nChannel 0: First document, you should see beachfront city picture. Looks like the Gold Coast on it. Statement of\n\nChannel 1: It\n\nChannel 0: advice.\n\nChannel 1: sure does.\n\nChannel 0: Cool. So if you go down to page three and four, we've got the scope of advice.\n\nChannel 1: Yep. Just go to my ship. Got it.\n\nChannel 0: Yep. Now the other thing that I've done here is we were flagging an investment on the portfolio, the Bennelong, which wasn't performing as well, and we were gonna kind of revisit it maybe towards Christmas time. But I have gone through and updated the portfolio now just because it's still kind of not doing its thing, and I I'd rather kind of nip it in the bud straight away.\n\nChannel 1: Okay.\n\nChannel 0: The other part was obviously the insurance side of things, which was reducing it down to a million and the nonsmoker's rate. So this is the part of the scoping that'll update as well as getting that cancellation letter applied as well.\n\nChannel 1: Thank you.\n\nChannel 0: Cool. Now if you go down, I just wanna go through the main figures with you. So we did update your circumstances on page seven and eight, which is the about you section assets and liabilities.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I do note that, obviously, the property there was pending possible, separation, so I just put a a little\n\nChannel 1: Yes.\n\nChannel 0: asterisk\n\nChannel 1: So the\n\nChannel 0: on\n\nChannel 1: property\n\nChannel 0: that one.\n\nChannel 1: the property is no longer mine.\n\nChannel 0: Yep. So that one's gone.\n\nChannel 1: Yeah. So\n\nChannel 0: Alrighty.\n\nChannel 1: in regards to assets, all I all I have in asset now is my business.\n\nChannel 0: Yep. Business, the only asset. Property is gone. And you've still got the one in The UK, the one in Australia?\n\nChannel 1: Yeah. Yeah. The business. Yes. I got a business in The UK.\n\nYes.\n\nChannel 0: Yep. Perfect. In terms of the super so with the hub 24 on there, AIA is the insurer. Now when it comes to that policy, can you have a swing down to page nine for me?\n\nChannel 1: Page.\n\nChannel 0: It's got your risk protection portfolio red heading.\n\nChannel 1: Yep. Yep. Got it.\n\nChannel 0: Cool. So it's got 1.2 mil worth of life and total disability insurance. Those two\n\nChannel 1: Yep.\n\nChannel 0: are kind of linked together.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Now\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: wanna\n\nChannel 0: you\n\nChannel 1: get\n\nChannel 0: just wanna cancel the whole policy?\n\nChannel 1: yes, please.\n\nChannel 0: Yep.\n\nChannel 1: Is that\n\nChannel 0: Easy\n\nChannel 1: that that's\n\nChannel 0: done.\n\nChannel 1: okay, isn't it?\n\nChannel 0: Yeah.\n\nChannel 1: We\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: mean,\n\nChannel 1: still\n\nChannel 0: it's\n\nChannel 1: we can still manage the super company.\n\nChannel 0: yes. We don't have to run with a policy. My check is just to make sure you want both of them gone, and\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: That's\n\nChannel 0: we will help facilitate that.\n\nChannel 1: Yep. Thank you. Appreciate\n\nChannel 0: Easy\n\nChannel 1: that.\n\nChannel 0: done. Next page, risk profile. We're still saying high growth for the time being. Just trying to get\n\nChannel 1: Absolutely.\n\nChannel 0: you up there to retirement\n\nChannel 1: Yep. Yep.\n\nChannel 0: goal. Now there's quite wording heavy on page twelve and thirteen. It's the strategy recommendations. I'll kind of summarize it for you.\n\nChannel 1: Okay.\n\nChannel 0: So it's got a best interest duty there. Essentially, what we're doing is rebalancing your portfolio and updating the underlying investments. We're not changing the risk level. We're not changing Superfund at this point. It has all the features that we need.\n\nChannel 1: Okay.\n\nChannel 0: Updated kind of retirement ideas here is just based on the projections. I've got a few figures in there from what type of income it can produce just based on this advice, but there's a bit of a gap that needs closing where we were talking about utilizing your business assets when you do go to retire in conjunction with your super.\n\nChannel 1: Okay.\n\nChannel 0: Now if you go down, the main figures to look at is pages fifteen and sixteen. There is a fee comparison table here.\n\nChannel 1: 15. Yep. Okay.\n\nChannel 0: Yep. And you should see it's kind of like a blue table. It says fee comparison, and it's got, like, current recommended in a difference column.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So when we switch investment inside super, they do pay a little bit of capital gains tax under the hood, which we factor\n\nChannel 1: Yeah.\n\nChannel 0: in whenever we change anything. So that's eight ninety one. And then we've got the performance differential at the bottom. The five year rolling average goes from that nine and a half up to 11.33 and\n\nChannel 1: Yep.\n\nChannel 0: kinda gets to back into the double digits like\n\nChannel 1: Alright.\n\nChannel 0: we were talking about.\n\nChannel 1: Okay.\n\nChannel 0: Now this was based on the premiums going from 7,000 after the rebate to 2,600. That's the nonsmokers and the reduction. So it'll be a little bit more\n\nChannel 1: Yeah.\n\nChannel 0: if we take it right down to zero.\n\nChannel 1: Of course.\n\nChannel 0: If we go down past there, just before the updated projections, you've got an investment table on the next page.\n\nChannel 1: Yep. So\n\nChannel 0: So\n\nChannel 1: this\n\nChannel 0: what\n\nChannel 1: is\n\nChannel 0: we're\n\nChannel 1: what I'm invested in at the moment.\n\nChannel 0: correct. So this is essentially the updating of the portfolio where you've got the percentages in the third column of where things are currently at. And then at the bottom\n\nChannel 1: So sorry. Current balance current balance is what we currently have in them?\n\nChannel 0: correct.\n\nChannel 1: And target balance is what?\n\nChannel 0: That's the new portfolio the way we wanna weight them. So anything that goes to a zero is being sold and replaced, and anything with a dollar figure in there and a percentage next\n\nChannel 1: Okay.\n\nChannel 0: to it is part\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Right. Okay.\n\nChannel 0: the\n\nChannel 1: So how about that global x physical gold\n\nChannel 0: new\n\nChannel 1: 17,000 and it goes to 13? Is that when we're\n\nChannel 0: portfolio.\n\nChannel 1: taking money out and reinvesting it?\n\nChannel 0: Yeah. So part of the rebalances, we put bit of a cap on certain investments. And when they go up and down, we just rebalance them back to the middle, essentially\n\nChannel 1: Is it a\n\nChannel 0: buy\n\nChannel 1: good\n\nChannel 0: low to sell high.\n\nChannel 1: must be a must be a good time to be in the share market, isn't it? With the global changes daily changes.\n\nChannel 0: Yeah. It's fantastic time. So with a lot of drops in a lot of markets, there's a few areas we wanna invest into,\n\nChannel 1: Yeah.\n\nChannel 0: and that's kind of being redeployed. So that second row, you've been along Australian Equities. That was the underperformer. That's being replaced at the bottom with the Alfiniti Australian shares.\n\nChannel 1: Okay.\n\nChannel 0: So that one, lower fees, has actually outperformed the Australian market over one, three, five, and ten years. It kind of brings you back into line with that double digit overall performance.\n\nChannel 1: Okay.\n\nChannel 0: K? There's been a few redistributions above there as well. Again, just spreading it around a little bit, adding in a bit of health care, bit of India, few different sectors, which kinda act like satellites. So we're adding a few other satellites alongside it.\n\nChannel 1: Okay.\n\nChannel 0: K. If you go down past there, you'll have your asset allocation pie chart on 18, which main thing here is just to make sure we're still above 90% in growth assets to keep you within the high growth range.\n\nChannel 1: Yep.\n\nChannel 0: But the\n\nChannel 1: It's\n\nChannel 0: main\n\nChannel 1: sixty\n\nChannel 0: projection\n\nChannel 1: sixty\n\nChannel 0: update\n\nChannel 1: percent in international shares.\n\nChannel 0: yeah. We're definitely slowly waiting further and further towards the international side. The Australian market just continues to lag.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: K? The alternatives are still there. That's your gold. And then just a little bit of fixed interest as your defensive portion and the cash minimum for hub, which is 1.25.\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: Next page here. So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums. So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums.\n\nChannel 1: Right. Okay.\n\nChannel 0: I think if we drop that straight to zero for the premiums,\n\nChannel 1: Yep.\n\nChannel 0: that'll\n\nChannel 1: Big,\n\nChannel 0: probably\n\nChannel 1: big\n\nChannel 0: impact\n\nChannel 1: difference.\n\nChannel 0: it. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That'll make a big difference. Another 20 to 30,000 at least.\n\nChannel 1: So we're saying we should be up around 274,000 in five years. But it'll make a difference without that 7,000 a year, won't it? 5,000\n\nChannel 0: Yeah.\n\nChannel 1: a year.\n\nChannel 0: Correct.\n\nChannel 1: Right with this.\n\nChannel 0: If you look at the table below it, I'm basically trying to get you consistent double digits across all time periods here rather than it being a little bit up and down.\n\nChannel 1: Alright.\n\nChannel 0: And\n\nChannel 1: Do a little bit just a little bit under in twelve months.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Bit of a rough year with the the Iran war, but, again, getting close to double digits is the best best to aim for.\n\nChannel 1: Yep.\n\nChannel 0: The main one too. So I wanna skip a few pages here because '20 onwards is the reduction of the insurances to a mil and the\n\nChannel 1: Yep.\n\nChannel 0: nonsmokers. Right? But there's a impact table here. So if you go to page 22, there's a kind of small gray table, which shows you a five and ten year impact of the current premiums, the reduced premiums, and no premiums at all. This will actually give you a bit of an indication for the full cancellation.\n\nChannel 1: Oh, beautiful. Yeah. So 04/23 in the ten year if there's no insurance.\n\nChannel 0: Yep. Again, it's impacting things by about a $100,000 per decade, just having\n\nChannel 1: Yeah.\n\nChannel 0: it at that level.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Sounds\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: I will update this one for the removal of insurances. The other documents that are contained within this pack is like an appendix with updated research, the nonsmoker's declaration, which all get removed. There is a tax file number opt in form just because that's an important number to submit to the providers.\n\nChannel 1: Okay.\n\nChannel 0: And then just an updated service agreement there as well with us and Hub twenty four. Now\n\nChannel 1: Yep.\n\nChannel 0: with the advice fees factored in, so we normally charge about 1.65% spread throughout the year. That's been factored into the projections as well.\n\nChannel 1: Yep.\n\nChannel 0: We're just coming out with a bit of a tiered fee structure as well. So the next agreement will essentially have discounts above 200,000. It'll start reducing the percentage fees beyond that point.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So I'll include a bit of an updated financial services guide with it just so you can see that new structure.\n\nChannel 1: So signature is it's just one signature for the document?\n\nChannel 0: And No. So this one had signatures for for the nonsmoker's declaration, the statement of advice, and the consent forms\n\nChannel 1: Are you\n\nChannel 0: for the\n\nChannel 1: gonna\n\nChannel 0: tax\n\nChannel 1: send me\n\nChannel 0: phone\n\nChannel 1: another\n\nChannel 0: number.\n\nChannel 1: one?\n\nChannel 0: Yeah. So I'm gonna avoid this one, and I'll send\n\nChannel 1: Okay.\n\nChannel 0: you a text message once I've got it resent.\n\nChannel 1: Okay. Wonderful.\n\nChannel 0: Yep. Save your\n\nChannel 1: I'll\n\nChannel 0: saving\n\nChannel 1: do it.\n\nChannel 0: signing half of two packs. I'll just send you a refresh.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Cool. Any questions\n\nChannel 1: Okay.\n\nChannel 0: at this point?\n\nChannel 1: And re recommendation moving forward, obviously, that's me, you know, with my wages going in, and we're on a we're on a high growth. How do I grow this in the fastest way? Should I be chucking more money in here? Or\n\nChannel 0: That's the only other alternative is get costs down, which we're doing with the insurances, improve returns, which we're doing with the new high growth portfolio, and put more money in in terms of contributions. That's your trifecta.\n\nChannel 1: mhmm. Yeah. Okay. And to put more money in if I wanna set up, like, a direct I can set up a direct debit or something to chuck in, like, an extra $100 a week or something like that. Or is that worth it?\n\nIs it\n\nChannel 0: Yeah. Absolutely. For every $100 a week in there, it's gonna have a pretty big impact over ten, fifteen years. We\n\nChannel 1: Yeah.\n\nChannel 0: the way you would basically do it is if you did a direct debit, we'll send you BPA details or EFT details to do that. When they go in for the year and it comes to June, we submit a notice of intent to claim form to the Superfund to convert that as a tax deduction for you.\n\nChannel 1: Okay. Is that is that the only way to do it, or can I do it through my actual pay?\n\nChannel 0: You can do it through the pay. So if you've got access to the accounting side, the business side of things,\n\nChannel 1: Awesome.\n\nChannel 0: you can essentially salary sacrifice pretax.\n\nChannel 1: Okay. Yeah. Is that better or same?\n\nChannel 0: It's it's smoother because it gets applied immediately every pay as opposed to contributing it in regularly and then having to claim it back in your tax return every twelve months.\n\nChannel 1: Yeah. Okay. I might do that then. I might talk to my accountant and get get that to happen.\n\nChannel 0: Yep. Would you like me to send through some payment details for the account just so you've got them there?\n\nChannel 1: Yeah. That'd be good. Yeah. Yes. And\n\nChannel 0: Yep.\n\nChannel 1: that's fine.\n\nChannel 0: Easy done. So update the assets and liabilities, get the home removed, BPA details there.\n\nChannel 1: I\n\nChannel 0: Portfolio is good. Insurance cancellation letter. Alright. Let me just double check. Was there anything else that we were needing to sort today?\n\nChannel 1: don't think so. Then that was it.\n\nChannel 0: The only thing I can't quite recall, and I do forgive me for this, but just in terms of beneficiary nominations and things like that,\n\nChannel 1: Yeah. I I need to I need to rethink that. Yeah. Have I have I not got that?\n\nChannel 0: I'll log in and have a look. I do know I think we\n\nChannel 1: Should've\n\nChannel 0: were\n\nChannel 1: been\n\nChannel 0: just putting a hold\n\nChannel 1: should've\n\nChannel 0: on\n\nChannel 1: should've\n\nChannel 0: that for\n\nChannel 1: been\n\nChannel 0: a second.\n\nChannel 1: under my under my ex wife as well, still my wife. It should be under that at the moment.\n\nChannel 0: I believe so. I think we were just gonna give it some thought while it was all going through and processing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I'll have a quick look at it now just to double check. If that is the case, do you want me to get forms emailed through that you can print out and sign and witness or post it out to you with a return envelope.\n\nChannel 1: No. No. Email. Email.\n\nChannel 0: Email's fine. Alright. Here, I've got your account coming open now. And account details, we have yep. Spouse is still listed, and it's a non lapsing binding nomination.\n\nSo I'll send you some forms there. If you want any help in terms of who you can nominate or types of nominations, just give us a buzz. But if you have anyone in mind now, I can kind of run through that with you. We'll just let you have some time to think about it.\n\nChannel 1: Yeah. Okay. Thank you. Appreciate that.\n\nChannel 0: Easy done. Alrighty. So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents. You can click next document to skip around between them.\n\nThere will be half of them to kind of skip through in terms of appendix research and product provider documents. The other ones to sign would be the advice document to proceed,\n\nChannel 1: Yep.\n\nChannel 0: the cancellation letter so we can submit that to the provider, and then the consent form with the super fund and the tax file number consent as well. So\n\nChannel 1: Okay.\n\nChannel 0: before to sign.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Outside of that, I'll probably have to send through to get some updated ID to submit along with it unless\n\nChannel 1: Okay.\n\nChannel 0: we've already gotten\n\nChannel 1: Yeah.\n\nChannel 0: that from you.\n\nChannel 1: Sounds good.\n\nChannel 0: Awesome. Any questions for me so far?\n\nChannel 1: No. It's all good. Thanks, Tommy. Appreciate your\n\nChannel 0: Awesome.\n\nChannel 1: time.\n\nChannel 0: I appreciate yours, and just keep an ear out for that text and the updated email.\n\nChannel 1: Okay. All good. Cheers, man.\n\nChannel 0: Thanks, Andrew.\n\nChannel 1: Have\n\nChannel 0: Have\n\nChannel 1: a good\n\nChannel 0: a good\n\nChannel 1: one.\n\nChannel 0: one.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.16,"end":0.32,"sentiment":"neutral","sentiment_score":0.02166421338915825},{"text":"This is Andrew speaking.","start":0.32,"end":1.46,"sentiment":"neutral","sentiment_score":0.024284895043820143}],"sentiment":"neutral","sentiment_score":0.023760758712887763,"channel":1,"num_words":5,"start":0.16,"end":1.46},{"sentences":[{"text":"Good afternoon, Andrew.","start":1.8399999,"end":2.8,"sentiment":"neutral","sentiment_score":0.207752525806427},{"text":"It's Tommy here, senior adviser from Oakview.","start":2.8,"end":4.88,"sentiment":"neutral","sentiment_score":0.1369286019887243},{"text":"How you 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couldn't","start":7.8399997,"end":8.32,"sentiment":"neutral","sentiment_score":-0.1317441649734974}],"sentiment":"neutral","sentiment_score":0.05246094474568963,"channel":1,"num_words":8,"start":5.92,"end":8.32},{"sentences":[{"text":"Right?","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":-0.0808759480714798}],"sentiment":"neutral","sentiment_score":-0.0808759480714798,"channel":0,"num_words":1,"start":8.24,"end":8.74},{"sentences":[{"text":"remember when our meeting was, but it must be now.","start":8.32,"end":10.66,"sentiment":"neutral","sentiment_score":-0.08213448822498322}],"sentiment":"neutral","sentiment_score":-0.08213448822498322,"channel":1,"num_words":10,"start":8.32,"end":10.66},{"sentences":[{"text":"Yeah.","start":11.04,"end":11.28,"sentiment":"neutral","sentiment_score":-0.0027352236211299896},{"text":"Yeah.","start":11.28,"end":11.78,"sentiment":"neutral","sentiment_score":-0.0034648063592612743},{"text":"Do you have a bit of time for me?","start":12.0,"end":13.44,"sentiment":"neutral","sentiment_score":-0.011248151150842508},{"text":"Only","start":13.44,"end":13.759999,"sentiment":"neutral","sentiment_score":-0.013835582882165909}],"sentiment":"neutral","sentiment_score":-0.010105747768344978,"channel":0,"num_words":12,"start":11.04,"end":13.759999},{"sentences":[{"text":"Yes.","start":13.599999,"end":13.92,"sentiment":"neutral","sentiment_score":0.0007634223438799381}],"sentiment":"neutral","sentiment_score":0.0007634223438799381,"channel":1,"num_words":1,"start":13.599999,"end":13.92},{"sentences":[{"text":"about","start":13.759999,"end":14.0,"sentiment":"neutral","sentiment_score":-0.00422125868499279}],"sentiment":"neutral","sentiment_score":-0.00422125868499279,"channel":0,"num_words":1,"start":13.759999,"end":14.0},{"sentences":[{"text":"I 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been really good.","start":15.845,"end":17.145,"sentiment":"positive","sentiment_score":0.4743100181221962},{"text":"Sunny and beautiful in the Gold Coast.","start":17.205,"end":18.885,"sentiment":"positive","sentiment_score":0.5283931153161185},{"text":"A little bit low on sleep with the newborn there and the three year old broke his leg.","start":18.885,"end":22.645,"sentiment":"neutral","sentiment_score":-0.16337396370040047},{"text":"But other than that, fantastic.","start":22.645,"end":24.105,"sentiment":"neutral","sentiment_score":0.2003231406211853}],"sentiment":"neutral","sentiment_score":0.10755518341765684,"channel":0,"num_words":34,"start":15.845,"end":24.105},{"sentences":[{"text":"Oh, wow.","start":23.835,"end":24.634998,"sentiment":"neutral","sentiment_score":0.1793793961405754},{"text":"That sounds that sounds a lot.","start":24.634998,"end":26.235,"sentiment":"neutral","sentiment_score":0.2366094763080279},{"text":"It's pretty nice down here in Sydney, actually, as 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hear.","start":29.925,"end":30.39,"sentiment":"neutral","sentiment_score":0.19859527051448822},{"text":"Will you be able to have access to your emails today to run through these documents with me?","start":31.43,"end":36.57,"sentiment":"neutral","sentiment_score":0.09717508736583921}],"sentiment":"neutral","sentiment_score":0.10731710568070411,"channel":0,"num_words":20,"start":29.925,"end":36.57},{"sentences":[{"text":"Yeah.","start":36.19,"end":36.69,"sentiment":"neutral","sentiment_score":0.008038542233407497},{"text":"Yes.","start":36.75,"end":37.25,"sentiment":"neutral","sentiment_score":0.009028539061546326},{"text":"Give me two seconds.","start":37.87,"end":38.93,"sentiment":"neutral","sentiment_score":0.0030563506297767162},{"text":"I'll have to get my 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is","start":41.725,"end":45.265,"sentiment":"neutral","sentiment_score":-0.009456549026072025}],"sentiment":"neutral","sentiment_score":-0.009456549026072025,"channel":1,"num_words":10,"start":41.725,"end":45.265},{"sentences":[{"text":"Yes.","start":45.43,"end":45.675,"sentiment":"neutral","sentiment_score":-0.022714786231517792}],"sentiment":"neutral","sentiment_score":-0.022714786231517792,"channel":0,"num_words":1,"start":45.43,"end":45.675},{"sentences":[{"text":"I want to discontinue my life insurance.","start":45.805,"end":49.664997,"sentiment":"neutral","sentiment_score":-0.06014542228409222}],"sentiment":"neutral","sentiment_score":-0.06014542228409222,"channel":1,"num_words":7,"start":45.805,"end":49.664997},{"sentences":[{"text":"Oh, cool.","start":51.915,"end":52.555,"sentiment":"neutral","sentiment_score":-0.002263749483972788},{"text":"Okay.","start":52.555,"end":53.055,"sentiment":"neutral","sentiment_score":-0.016182202845811844}],"sentiment":"neutral","sentiment_score":-0.00690323393791914,"channel":0,"num_words":3,"start":51.915,"end":53.055},{"sentences":[{"text":"Yeah.","start":53.485,"end":53.91,"sentiment":"neutral","sentiment_score":-0.02299537323415279},{"text":"I I I got a thing from the life insurance.","start":53.99,"end":55.829998,"sentiment":"neutral","sentiment_score":-0.08744322583079338},{"text":"I want, like, $7.5 this year.","start":55.829998,"end":58.01,"sentiment":"neutral","sentiment_score":-0.062314809610446296},{"text":"I don't have a mortgage.","start":59.91,"end":61.61,"sentiment":"neutral","sentiment_score":-0.1655279278755188},{"text":"I don't have any 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through, can I just confirm for security date of birth and address?","start":96.9,"end":102.675,"sentiment":"neutral","sentiment_score":0.017809976088373286}],"sentiment":"neutral","sentiment_score":0.024421831369400026,"channel":0,"num_words":25,"start":95.060005,"end":102.675},{"sentences":[{"text":"050776.","start":104.265,"end":106.205,"sentiment":"neutral","sentiment_score":0.0007784996414557099}],"sentiment":"neutral","sentiment_score":0.0007784996414557099,"channel":1,"num_words":1,"start":104.265,"end":106.205},{"sentences":[{"text":"Mhmm.","start":106.515,"end":107.015,"sentiment":"neutral","sentiment_score":-0.004274649079889059}],"sentiment":"neutral","sentiment_score":-0.004274649079889059,"channel":0,"num_words":1,"start":106.515,"end":107.015},{"sentences":[{"text":"Address not sure what I've got it down as.","start":107.465,"end":111.96,"sentiment":"neutral","sentiment_score":-0.016854087822139263},{"text":"It should be 307 Number 2 Elizabeth Bay Road, Elizabeth Bay,","start":111.96,"end":115.88,"sentiment":"neutral","sentiment_score":0.004348476925356822}],"sentiment":"neutral","sentiment_score":-0.005192677211016417,"channel":1,"num_words":20,"start":107.465,"end":115.88},{"sentences":[{"text":"Correct.","start":115.795006,"end":116.295006,"sentiment":"neutral","sentiment_score":0.009008976630866528}],"sentiment":"neutral","sentiment_score":0.009008976630866528,"channel":0,"num_words":1,"start":115.795006,"end":116.295006},{"sentences":[{"text":"New South Wales 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meeting, the senior adviser discusses their investment in a portfolio and updates their circumstances, including a reduction in risk profile and a focus on their investment strategy. They also discuss the impact of recent changes to their portfolio, including updating their business and reducing their risk profile. The speaker emphasizes the importance of maintaining a low fee and a target balance, as well as updating their risk profile and providing guidance on growth. They also discuss a new fee structure and updating client assets and liabilities, as well as updating financial services and updating client assets and liabilities. The conversation ends with a reminder to stay updated on updates via text and email."},"intents":{"segments":[{"text":"This is Andrew speaking. Good afternoon, Andrew. It's Tommy here, senior adviser from Oakview. How you been? Yeah.","start_word":1,"end_word":18,"intents":[{"intent":"Provide information","confidence_score":0.065214016}]},{"text":"I couldn't Right? remember when our meeting was, but it must be now. Yeah.","start_word":24,"end_word":37,"intents":[{"intent":"Refuse to talk","confidence_score":0.000018246674}]},{"text":"I want to discontinue my life insurance. Oh, cool.","start_word":162,"end_word":170,"intents":[{"intent":"Discontinue insurance","confidence_score":0.22658475}]},{"text":"So I'll pop that through. And just while I've got that coming through, can I just confirm for security date of birth and address? 050776.","start_word":286,"end_word":310,"intents":[{"intent":"Confirm security date","confidence_score":0.029698906}]},{"text":"Address not sure what I've got it down as. It should be 307 Number 2 Elizabeth Bay Road, Elizabeth Bay, Correct.","start_word":312,"end_word":332,"intents":[{"intent":"Confirm address","confidence_score":0.14339143}]},{"text":"What I'll do there's quite a few documents in there today, but I will amend it straight after the call.","start_word":354,"end_word":373,"intents":[{"intent":"Amend document","confidence_score":0.057258386},{"intent":"Submit document","confidence_score":0.0056193876}]},{"text":"So what I basically wanna do is just run through what the plan is, and then I'll make those amendments and send Okay.","start_word":374,"end_word":396,"intents":[{"intent":"Confirm plan","confidence_score":0.0109466035}]},{"text":"yeah, I did see that coming through, and I have based these on, I guess, the projections that we were discussing previously, which was, like, based on 60,000 being drawn out and some contributions based off of that. So I've gone Yep. I've used that as the baseline for the No. projections, but, obviously, it may change depending on your contribution level. Okay.","start_word":529,"end_word":591,"intents":[{"intent":"Use projections","confidence_score":0.032833822}]},{"text":"So if you go down to page three and four, we've got the scope of advice. Yep.","start_word":617,"end_word":633,"intents":[{"intent":"Go to page six","confidence_score":0.000023346272}]},{"text":"Just go to my ship. Got it. Yep.","start_word":634,"end_word":641,"intents":[{"intent":"Go to ship","confidence_score":0.29227507}]},{"text":"Now the other thing that I've done here is we were flagging an investment on the portfolio, the Bennelong, which wasn't performing as well, and we were gonna kind of revisit it maybe towards Christmas time.","start_word":642,"end_word":677,"intents":[{"intent":"Revisit plan","confidence_score":0.0032553107},{"intent":"Discuss portfolio performance","confidence_score":0.06628303}]},{"text":"But I have gone through and updated the portfolio now just because it's still kind of not doing its thing, and I I'd rather kind of nip it in the bud straight away. Okay.","start_word":679,"end_word":712,"intents":[{"intent":"Update portfolio and reduce insurance rate","confidence_score":0.0004576373}]},{"text":"Now if you go down, I just wanna go through the main figures with you. So we did update your circumstances on page seven and eight, which is the about you section assets and liabilities.","start_word":757,"end_word":791,"intents":[{"intent":"Update circumstances","confidence_score":0.54046917}]},{"text":"Now I do wanna you get just wanna cancel the whole policy? yes, please. Yep.","start_word":956,"end_word":970,"intents":[{"intent":"Cancel policy","confidence_score":0.41823253}]},{"text":"Updated kind of retirement ideas here is just based on the projections. I've got a few figures in there from what type of income it can produce just based on this advice, but there's a bit of a gap that needs closing where we were talking about utilizing your business assets when you do go to retire in conjunction with your super. Okay.","start_word":1123,"end_word":1185,"intents":[{"intent":"Discuss retirement recommendations","confidence_score":0.00006881383},{"intent":"Discuss retirement benefits","confidence_score":0.014894155}]},{"text":"Now if you go down, the main figures to look at is pages fifteen and sixteen. There is a fee comparison table here. 15. Yep. Okay.","start_word":1186,"end_word":1211,"intents":[{"intent":"Discuss fee comparison","confidence_score":0.105231985}]},{"text":"So when we switch investment inside super, they do pay a little bit of capital gains tax under the hood, which we factor Yeah.","start_word":1240,"end_word":1263,"intents":[{"intent":"Discuss investment benefits","confidence_score":0.011334624}]},{"text":"Now this was based on the premiums going from 7,000 after the rebate to 2,600.","start_word":1316,"end_word":1330,"intents":[{"intent":"Discuss premiums","confidence_score":0.13119885}]},{"text":"So this is essentially the updating of the portfolio where you've got the percentages in the third column of where things are currently at.","start_word":1390,"end_word":1413,"intents":[{"intent":"Update portfolio","confidence_score":0.83756214}]},{"text":"So anything that goes to a zero is being sold and replaced, and anything with a dollar figure in there and a percentage next Okay.","start_word":1448,"end_word":1472,"intents":[{"intent":"Sell and replace investments","confidence_score":0.008983599}]},{"text":"So part of the rebalances, we put bit of a cap on certain investments. And when they go up and down, we just rebalance them back to the middle, essentially Is it a buy good low to sell high.","start_word":1509,"end_word":1547,"intents":[{"intent":"Rebalance investments","confidence_score":0.6022254}]},{"text":"So that one, lower fees, has actually outperformed the Australian market over one, three, five, and ten years. It kind of brings you back into line with that double digit overall performance. Okay.","start_word":1625,"end_word":1657,"intents":[{"intent":"Understand performance","confidence_score":0.028995242}]},{"text":"So we're adding a few other satellites alongside it. Okay.","start_word":1694,"end_word":1703,"intents":[{"intent":"Add satellites","confidence_score":0.67269796}]},{"text":"So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums. So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums. Right.","start_word":1815,"end_word":1864,"intents":[{"intent":"Determine impact","confidence_score":0.00023536848}]},{"text":"So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums. So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums. Right. Okay.","start_word":1815,"end_word":1865,"intents":[{"intent":"Update portfolio and increase premiums","confidence_score":0.0034964208}]},{"text":"Again, it's impacting things by about a $100,000 per decade, just having Yeah. it at that level. Yep.","start_word":2104,"end_word":2121,"intents":[{"intent":"Save money","confidence_score":0.08113824}]},{"text":"I will update this one for the removal of insurances. The other documents that are contained within this pack is like an appendix with updated research, the nonsmoker's declaration, which all get removed. There is a tax file number opt in form just because that's an important number to submit to the providers. Okay.","start_word":2128,"end_word":2181,"intents":[{"intent":"Update insurances and documents","confidence_score":0.011516637},{"intent":"Include updated information","confidence_score":0.001016528}]},{"text":"Save your I'll saving do it. signing half of two packs. I'll just send you a refresh. Okay. Sounds good. Cool.","start_word":2346,"end_word":2366,"intents":[{"intent":"Refresh","confidence_score":0.0040907487}]},{"text":"Any questions Okay. at this point?","start_word":2367,"end_word":2372,"intents":[{"intent":"Answer questions","confidence_score":0.28969383}]},{"text":"And to put more money in if I wanna set up, like, a direct I can set up a direct debit or something to chuck in, like, an extra $100 a week or something like that. Or is that worth it?","start_word":2456,"end_word":2496,"intents":[{"intent":"Set up direct debit","confidence_score":0.043532766}]},{"text":"Would you like me to send through some payment details for the account just so you've got them there? Yeah.","start_word":2685,"end_word":2704,"intents":[{"intent":"Request payment details","confidence_score":0.0039867745}]},{"text":"The only thing I can't quite recall, and I do forgive me for this, but just in terms of beneficiary nominations and things like that, Yeah. I I need to I need to rethink that. Yeah.","start_word":2760,"end_word":2795,"intents":[{"intent":"Rethink beneficiary nominations","confidence_score":0.070959546}]},{"text":"I I need to I need to rethink that.","start_word":2786,"end_word":2794,"intents":[{"intent":"Rethink things","confidence_score":0.00007513716}]},{"text":"If that is the case, do you want me to get forms emailed through that you can print out and sign and witness or post it out to you with a return envelope. No. No.","start_word":2885,"end_word":2919,"intents":[{"intent":"Send forms","confidence_score":0.2892494}]},{"text":"So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents. You can click next document to skip around between them.","start_word":3015,"end_word":3057,"intents":[{"intent":"Scroll through documents","confidence_score":0.048727877}]},{"text":"So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents. You can click next document to skip around between them. There will be half of them to kind of skip through in terms of appendix research and product provider documents.","start_word":3015,"end_word":3077,"intents":[{"intent":"Run through documents","confidence_score":0.030631999}]},{"text":"So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents. You can click next document to skip around between them. There will be half of them to kind of skip through in terms of appendix research and product provider documents. The other ones to sign would be the advice document to proceed, Yep.","start_word":3015,"end_word":3090,"intents":[{"intent":"Get advice","confidence_score":0.0037935134}]}]},"sentiments":{"segments":[{"text":"Hello. This is Andrew speaking. Good afternoon, Andrew. It's Tommy here, senior adviser from Oakview. How you been? Yeah. Good. How are you? Yes. I couldn't Right? remember when our meeting was, but it must be now. Yeah. Yeah. Do you have a bit of time for me? Only Yes. about I do. Yes. yep. Yes.","start_word":0,"end_word":55,"sentiment":"neutral","sentiment_score":0.03745358437299728},{"text":"Perfect.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.4025242328643799},{"text":"Yes.","start_word":57,"end_word":57,"sentiment":"neutral","sentiment_score":0.3050715923309326},{"text":"I've been really good. Sunny and beautiful in the Gold Coast.","start_word":58,"end_word":68,"sentiment":"positive","sentiment_score":0.5011299252510071},{"text":"A little bit low on sleep with the newborn there and the three year old broke his leg. But other than that, fantastic. Oh, wow. That sounds that sounds a lot.","start_word":69,"end_word":99,"sentiment":"neutral","sentiment_score":0.03482670709490776},{"text":"It's pretty nice down here in Sydney, actually, as well. Good to hear, Sunny mate. Good wise.","start_word":100,"end_word":116,"sentiment":"positive","sentiment_score":0.4942571520805359},{"text":"to hear. Will you be able to have access to your emails today to run through these documents with me? Yeah. Yes. Give me two seconds. I'll have to get my computer. No worries. First thing I wanted to let you know though is Yes. I want to discontinue my life insurance. Oh, cool. Okay. Yeah. I I I got a thing from the life insurance. I want, like, $7.5 this year. I don't have a mortgage. I don't have any kids. I've I I just can't see the point in the life insurance anymore. Gotcha. I was going through an update with the nonsmokers rates and a bit of a reduction Yeah. today with you. Yeah. I mean, look, I'm I'm I I still I don't I don't smoke anymore, but I have I do vape to get away from this. Gotcha. So it's still not gonna really work. Okay. Yeah. No worries. What what I'm okay. I'm on my email. You want me on my email? Cool. So I'll pop that through. And just while I've got that coming through, can I just confirm for security date of birth and address? 050776. Mhmm. Address not sure what I've got it down as. It should be 307 Number 2 Elizabeth Bay Road, Elizabeth Bay, Correct. New South Wales 2011. Yep. Good.","start_word":117,"end_word":338,"sentiment":"neutral","sentiment_score":-0.05027439817786217},{"text":"That's the one. Alrighty. So this will make things nice and easy for me today.","start_word":339,"end_word":353,"sentiment":"positive","sentiment_score":0.6434412598609924},{"text":"What I'll do there's quite a few documents in there today, but I will amend it straight after the call. So what I basically wanna do is just run through what the plan is, and then I'll make those amendments and send Okay. it back to you. Yeah. And you send that through to my Gmail? Yes. Yeah. Got you. N d t. Yep. Okay. Yeah. I am I I I spoke to you I spoke to you a couple of months ago, didn't I? I was over in The UK. Yeah. That's right. Okay. So what am I doing to sign open the signed document? Yeah. So when you hit that, it'll bring up all the documents to peruse together. I just wanna go through the first one today, which is the advice Okay. document, see if you're happy with the other side of the plan, and then I'll kind of get a refresh sent through to you Okay. afterwards. I've started So, putting some money back into my super again finally as well. yeah, I did see that coming through, and I have based these on, I guess, the projections that we were discussing previously, which was, like, based on 60,000 being drawn out and some contributions based off of that. So I've gone Yep. I've used that as the baseline for the No. projections, but, obviously, it may change depending on your contribution level. Okay. Alright. I'm out. First document, you should see beachfront city picture. Looks like the Gold Coast on it. Statement of It advice. sure does.","start_word":354,"end_word":615,"sentiment":"neutral","sentiment_score":0.07722843438386917},{"text":"Cool.","start_word":616,"end_word":616,"sentiment":"positive","sentiment_score":0.344171941280365},{"text":"So if you go down to page three and four, we've got the scope of advice. Yep. Just go to my ship. Got it. Yep. Now the other thing that I've done here is we were flagging an investment on the portfolio, the Bennelong, which wasn't performing as well, and we were gonna kind of revisit it maybe towards Christmas time. But I have gone through and updated the portfolio now just because it's still kind of not doing its thing, and I I'd rather kind of nip it in the bud straight away. Okay. The other part was obviously the insurance side of things, which was reducing it down to a million and the nonsmoker's rate. So this is the part of the scoping that'll update as well as getting that cancellation letter applied as well.","start_word":617,"end_word":753,"sentiment":"neutral","sentiment_score":-0.08742096275091171},{"text":"Thank you.","start_word":754,"end_word":755,"sentiment":"positive","sentiment_score":0.4377368092536926},{"text":"Cool. Now if you go down, I just wanna go through the main figures with you. So we did update your circumstances on page seven and eight, which is the about you section assets and liabilities. Mhmm. Now I do note that, obviously, the property there was pending possible, separation, so I just put a a little Yes. asterisk So the on property that one. the property is no longer mine. Yep. So that one's gone. Yeah. So Alrighty. in regards to assets, all I all I have in asset now is my business. Yep. Business, the only asset. Property is gone. And you've still got the one in The UK, the one in Australia? Yeah. Yeah. The business. Yes. I got a business in The UK. Yes. Yep. Perfect. In terms of the super so with the hub 24 on there, AIA is the insurer. Now when it comes to that policy, can you have a swing down to page nine for me? Page. It's got your risk protection portfolio red heading. Yep. Yep. Got it. Cool. So it's got 1.2 mil worth of life and total disability insurance. Those two Yep. are kind of linked together. Yep. Yeah. Now I do wanna you get just wanna cancel the whole policy? yes, please. Yep. Is that Easy that that's done. okay, isn't it? Yeah. We I can mean, still it's we can still manage the super company. yes. We don't have to run with a policy. My check is just to make sure you want both of them gone, and Yeah. then That's we will help facilitate that. Yep.","start_word":756,"end_word":1025,"sentiment":"neutral","sentiment_score":0.014772200956940653},{"text":"Thank you. Appreciate Easy that.","start_word":1026,"end_word":1030,"sentiment":"positive","sentiment_score":0.5151827335357666},{"text":"done. Next page, risk profile. We're still saying high growth for the time being.","start_word":1031,"end_word":1044,"sentiment":"neutral","sentiment_score":0.12965595722198486},{"text":"Just trying to get Absolutely. you up there to retirement Yep. Yep. goal.","start_word":1045,"end_word":1057,"sentiment":"positive","sentiment_score":0.4414582550525666},{"text":"Now there's quite wording heavy on page twelve and thirteen. It's the strategy recommendations. I'll kind of summarize it for you. Okay. So it's got a best interest duty there. Essentially, what we're doing is rebalancing your portfolio and updating the underlying investments. We're not changing the risk level. We're not changing Superfund at this point. It has all the features that we need. Okay. Updated kind of retirement ideas here is just based on the projections. I've got a few figures in there from what type of income it can produce just based on this advice, but there's a bit of a gap that needs closing where we were talking about utilizing your business assets when you do go to retire in conjunction with your super. Okay. Now if you go down, the main figures to look at is pages fifteen and sixteen. There is a fee comparison table here. 15. Yep. Okay. Yep. And you should see it's kind of like a blue table. It says fee comparison, and it's got, like, current recommended in a difference column. Yeah. Cool. So when we switch investment inside super, they do pay a little bit of capital gains tax under the hood, which we factor Yeah. in whenever we change anything. So that's eight ninety one. And then we've got the performance differential at the bottom. The five year rolling average goes from that nine and a half up to 11.33 and Yep. kinda gets to back into the double digits like Alright. we were talking about. Okay. Now this was based on the premiums going from 7,000 after the rebate to 2,600. That's the nonsmokers and the reduction. So it'll be a little bit more Yeah. if we take it right down to zero. Of course. If we go down past there, just before the updated projections, you've got an investment table on the next page. Yep. So So this what is we're what I'm invested in at the moment. correct. So this is essentially the updating of the portfolio where you've got the percentages in the third column of where things are currently at. And then at the bottom So sorry. Current balance current balance is what we currently have in them? correct. And target balance is what? That's the new portfolio the way we wanna weight them. So anything that goes to a zero is being sold and replaced, and anything with a dollar figure in there and a percentage next Okay. to it is part Yeah. of Right. Okay. the So how about that global x physical gold new 17,000 and it goes to 13? Is that when we're portfolio. taking money out and reinvesting it? Yeah. So part of the rebalances, we put bit of a cap on certain investments. And when they go up and down, we just rebalance them back to the middle, essentially Is it a buy good low to sell high. must be a must be a good time to be in the share market, isn't it? With the global changes daily changes.","start_word":1058,"end_word":1569,"sentiment":"neutral","sentiment_score":0.07626812176022213},{"text":"Yeah. It's fantastic time.","start_word":1570,"end_word":1573,"sentiment":"positive","sentiment_score":0.6193768978118896},{"text":"So with a lot of drops in a lot of markets, there's a few areas we wanna invest into, Yeah. and that's kind of being redeployed. So that second row, you've been along Australian Equities. That was the underperformer. That's being replaced at the bottom with the Alfiniti Australian shares.","start_word":1574,"end_word":1623,"sentiment":"neutral","sentiment_score":0.06176508590579033},{"text":"Okay. So that one, lower fees, has actually outperformed the Australian market over one, three, five, and ten years. It kind of brings you back into line with that double digit overall performance.","start_word":1624,"end_word":1656,"sentiment":"positive","sentiment_score":0.5796757340431213},{"text":"Okay. K? There's been a few redistributions above there as well. Again, just spreading it around a little bit, adding in a bit of health care, bit of India, few different sectors, which kinda act like satellites. So we're adding a few other satellites alongside it. Okay. K. If you go down past there, you'll have your asset allocation pie chart on 18, which main thing here is just to make sure we're still above 90% in growth assets to keep you within the high growth range. Yep. But the main It's projection sixty sixty update percent in international shares. yeah. We're definitely slowly waiting further and further towards the international side.","start_word":1657,"end_word":1768,"sentiment":"neutral","sentiment_score":0.0993667266198567},{"text":"The Australian market just continues to lag.","start_word":1769,"end_word":1775,"sentiment":"negative","sentiment_score":-0.3979776203632355},{"text":"Yeah. Yeah. Okay. K? The alternatives are still there. That's your gold. And then just a little bit of fixed interest as your defensive portion and the cash minimum for hub, which is 1.25.","start_word":1776,"end_word":1809,"sentiment":"neutral","sentiment_score":0.049374163150787354},{"text":"Okay. Beautiful.","start_word":1810,"end_word":1811,"sentiment":"positive","sentiment_score":0.4929992854595184},{"text":"Next page here. So this is a bit of a conservative estimate here, the impacts of updating the portfolio and dropping the premiums. So somewhere between 40 to 100,000 over the next five to ten years just based on the contributions on 60,000, the investment changes, and the lowered fees and premiums. Right. Okay. I think if we drop that straight to zero for the premiums, Yep. that'll Big, probably big impact difference. it. Yeah. Yeah. Yeah. That'll make a big difference. Another 20 to 30,000 at least. So we're saying we should be up around 274,000 in five years. But it'll make a difference without that 7,000 a year, won't it? 5,000 Yeah. a year. Correct. Right with this. If you look at the table below it, I'm basically trying to get you consistent double digits across all time periods here rather than it being a little bit up and down. Alright. And Do a little bit just a little bit under in twelve months. yeah. Yeah. Okay. Bit of a rough year with the the Iran war, but, again, getting close to double digits is the best best to aim for. Yep. The main one too. So I wanna skip a few pages here because '20 onwards is the reduction of the insurances to a mil and the Yep. nonsmokers. Right? But there's a impact table here. So if you go to page 22, there's a kind of small gray table, which shows you a five and ten year impact of the current premiums, the reduced premiums, and no premiums at all. This will actually give you a bit of an indication for the full cancellation.","start_word":1812,"end_word":2089,"sentiment":"neutral","sentiment_score":0.04155975612376234},{"text":"Oh, beautiful.","start_word":2090,"end_word":2091,"sentiment":"positive","sentiment_score":0.41300684213638306},{"text":"Yeah. So 04/23 in the ten year if there's no insurance. Yep. Again, it's impacting things by about a $100,000 per decade, just having Yeah. it at that level. Yep.","start_word":2092,"end_word":2121,"sentiment":"neutral","sentiment_score":0.009451023302972317},{"text":"Sounds good. Cool. Sounds So good.","start_word":2122,"end_word":2127,"sentiment":"positive","sentiment_score":0.498699814081192},{"text":"I will update this one for the removal of insurances. The other documents that are contained within this pack is like an appendix with updated research, the nonsmoker's declaration, which all get removed. There is a tax file number opt in form just because that's an important number to submit to the providers. Okay. And then just an updated service agreement there as well with us and Hub twenty four. Now Yep. with the advice fees factored in, so we normally charge about 1.65% spread throughout the year. That's been factored into the projections as well. Yep. We're just coming out with a bit of a tiered fee structure as well. So the next agreement will essentially have discounts above 200,000. It'll start reducing the percentage fees beyond that point. Yep. Okay. So I'll include a bit of an updated financial services guide with it just so you can see that new structure. So signature is it's just one signature for the document? And No. So this one had signatures for for the nonsmoker's declaration, the statement of advice, and the consent forms Are you for the gonna tax send me phone another number. one? Yeah. So I'm gonna avoid this one, and I'll send Okay. you a text message once I've got it resent. Okay.","start_word":2128,"end_word":2343,"sentiment":"neutral","sentiment_score":0.04293005540966987},{"text":"Wonderful.","start_word":2344,"end_word":2344,"sentiment":"positive","sentiment_score":0.5006910562515259},{"text":"Yep. Save your I'll saving do it. signing half of two packs. I'll just send you a refresh. Okay.","start_word":2345,"end_word":2363,"sentiment":"neutral","sentiment_score":0.16179414093494415},{"text":"Sounds good.","start_word":2364,"end_word":2365,"sentiment":"positive","sentiment_score":0.416034072637558},{"text":"Cool. Any questions Okay. at this point? And re recommendation moving forward, obviously, that's me, you know, with my wages going in, and we're on a we're on a high growth. How do I grow this in the fastest way? Should I be chucking more money in here? Or That's the only other alternative is get costs down, which we're doing with the insurances, improve returns, which we're doing with the new high growth portfolio, and put more money in in terms of contributions. That's your trifecta. mhmm. Yeah. Okay. And to put more money in if I wanna set up, like, a direct I can set up a direct debit or something to chuck in, like, an extra $100 a week or something like that. Or is that worth it? Is it Yeah.","start_word":2366,"end_word":2499,"sentiment":"neutral","sentiment_score":0.16373731902063782},{"text":"Absolutely. For every $100 a week in there, it's gonna have a pretty big impact over ten, fifteen years.","start_word":2500,"end_word":2518,"sentiment":"positive","sentiment_score":0.4587356150150299},{"text":"We Yeah. the way you would basically do it is if you did a direct debit, we'll send you BPA details or EFT details to do that. When they go in for the year and it comes to June, we submit a notice of intent to claim form to the Superfund to convert that as a tax deduction for you. Okay. Is that is that the only way to do it, or can I do it through my actual pay? You can do it through the pay. So if you've got access to the accounting side, the business side of things, Awesome.","start_word":2519,"end_word":2620,"sentiment":"neutral","sentiment_score":0.1585768759250641},{"text":"you can essentially salary sacrifice pretax.","start_word":2621,"end_word":2626,"sentiment":"positive","sentiment_score":0.33526816964149475},{"text":"Okay. Yeah. Is that better or same?","start_word":2627,"end_word":2633,"sentiment":"neutral","sentiment_score":0.2105577737092972},{"text":"It's it's smoother because it gets applied immediately every pay as opposed to contributing it in regularly and then having to claim it back in your tax return every twelve months.","start_word":2634,"end_word":2664,"sentiment":"positive","sentiment_score":0.3869764804840088},{"text":"Yeah. Okay. I might do that then. I might talk to my accountant and get get that to happen. Yep. Would you like me to send through some payment details for the account just so you've got them there? Yeah.","start_word":2665,"end_word":2704,"sentiment":"neutral","sentiment_score":0.14896228909492493},{"text":"That'd be good.","start_word":2705,"end_word":2707,"sentiment":"positive","sentiment_score":0.3552013635635376},{"text":"Yeah. Yes. And Yep.","start_word":2708,"end_word":2711,"sentiment":"neutral","sentiment_score":0.2236355692148209},{"text":"that's fine. Easy done.","start_word":2712,"end_word":2715,"sentiment":"positive","sentiment_score":0.4385182559490204},{"text":"So update the assets and liabilities, get the home removed, BPA details there.","start_word":2716,"end_word":2728,"sentiment":"neutral","sentiment_score":0.143674835562706},{"text":"I Portfolio is good.","start_word":2729,"end_word":2732,"sentiment":"positive","sentiment_score":0.39397767186164856},{"text":"Insurance cancellation letter. Alright. Let me just double check. Was there anything else that we were needing to sort today? don't think so. Then that was it. The only thing I can't quite recall, and I do forgive me for this, but just in terms of beneficiary nominations and things like that, Yeah.","start_word":2733,"end_word":2785,"sentiment":"neutral","sentiment_score":-0.06268866318014432},{"text":"I I need to I need to rethink that.","start_word":2786,"end_word":2794,"sentiment":"negative","sentiment_score":-0.3757658004760742},{"text":"Yeah. Have I have I not got that? I'll log in and have a look. I do know I think we Should've were been just putting a hold should've on should've that for been a second. under my under my ex wife as well, still my wife. It should be under that at the moment. I believe so. I think we were just gonna give it some thought while it was all going through and processing. Yeah. Yeah. I'll have a quick look at it now just to double check. If that is the case, do you want me to get forms emailed through that you can print out and sign and witness or post it out to you with a return envelope. No. No. Email. Email. Email's fine. Alright. Here, I've got your account coming open now. And account details, we have yep. Spouse is still listed, and it's a non lapsing binding nomination. So I'll send you some forms there. If you want any help in terms of who you can nominate or types of nominations, just give us a buzz. But if you have anyone in mind now, I can kind of run through that with you. We'll just let you have some time to think about it. Yeah.","start_word":2795,"end_word":3006,"sentiment":"neutral","sentiment_score":0.022596044465899467},{"text":"Okay. Thank you. Appreciate that. Easy done.","start_word":3007,"end_word":3013,"sentiment":"positive","sentiment_score":0.622533917427063},{"text":"Alrighty. So there'll be when you get these documents through to you, I'll send you a with the update. Basically, how the system works is you can click you can scroll through the documents. You can click next document to skip around between them. There will be half of them to kind of skip through in terms of appendix research and product provider documents. The other ones to sign would be the advice document to proceed, Yep. the cancellation letter so we can submit that to the provider, and then the consent form with the super fund and the tax file number consent as well. So Okay. before to sign. Okay.","start_word":3014,"end_word":3124,"sentiment":"neutral","sentiment_score":0.08970079181699066},{"text":"Sounds good.","start_word":3125,"end_word":3126,"sentiment":"positive","sentiment_score":0.38135308027267456},{"text":"Outside of that, I'll probably have to send through to get some updated ID to submit along with it unless Okay. we've already gotten Yeah. that from you.","start_word":3127,"end_word":3154,"sentiment":"neutral","sentiment_score":-0.004886042792350054},{"text":"Sounds good. Awesome. Any questions for me so far?","start_word":3155,"end_word":3163,"sentiment":"positive","sentiment_score":0.4669349193572998},{"text":"No.","start_word":3164,"end_word":3164,"sentiment":"neutral","sentiment_score":-0.05254287272691727},{"text":"It's all good. Thanks, Tommy. Appreciate your Awesome. time. I appreciate yours, and just keep an ear out for that text and the updated email. Okay. All good. Cheers, man. Thanks, Andrew. Have Have a good a good one.","start_word":3165,"end_word":3203,"sentiment":"positive","sentiment_score":0.6050507426261902},{"text":"one. Bye.","start_word":3204,"end_word":3205,"sentiment":"neutral","sentiment_score":0.27526623010635376}],"average":{"sentiment":"neutral","sentiment_score":0.08405114454606952}}}}