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I had yourself and Marty booked in for that joint presentation this afternoon. Is now still a good time for you? Perfect. Is Marty available with you there as well at the moment? Not a problem. Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that. So Perfect. Brilliant. Perfect. Brilliant for that. Thanks for that, guys. So I know it has been a while since we last spoke. I believe it's the annual reviews where we were sort of happy with how things were tracked. We were just gonna review things, and it was just on the back burner. Obviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document. In in saying that as well, it is a joint document there. Feel free after we have this phone call to have some time to to go through it. I know when you got booked in, they went through and confirmed a few of your details there. Congratulations on the the expectation of a a kid there at the end of next month, was it? Yeah. So that's exciting news. Something big that's occurring. So I'm assuming that the business owner is on a little bit of a back burner for the meantime. Understandable. But as far as everything else, I know it seem you had a little bit of a pay bump there as well. There's the kid, obviously, but as far as everything else, generally, everything's unchanged from where we sort of confirmed all your last details? Perfect. Now as I said, when we originally went through this, we were just looking at just reviewing your investments. You were quite happy with the the fund itself, but I will go through the document. This will be going through to Asim for yourself. It will be to Asimpt@Outlook and Marty yours would be Martyj.p@Outlook.com, and that will be with you guys shortly. Now in this one here, it's a bit different, the Odoo to the DocuSign you've used previously. Similar sort of software. It just comes through in a bit of a different email. So your supporting documentation will be attachments in that. I have attached the statement advice as well as all your PDF documents to be able to look through as well and the Oakview financial services guide that has been updated there as well if you haven't received that copy and the Oakview services guide there as well. So that will be with you there shortly. There is also then the link which takes you to the document itself. It's where you would be able to sign it if you were happy with everything. Now in regards to the signable document, it's just a statement of advice. And then for a team yourself, this is the tax file opt in form. I don't believe it was completed at your last annual review. It's basically just an update of where we store your tax file number and where they hold that on file. They just updated that form. So that's what that form is there as well. So just let me know when that comes through and you have that up in front of you. Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time. Yeah. Understandable. So I'll get started on that. Obviously, there is a document created for you, yourself, Hassim, and Marty there in regards that it was prepared by myself, the team here as an authorized representative under the Oakview Financial Services license there as well. There is a best interest, Judy, that we can't put you in a better position. Obviously, we don't give advice. It's part of what we're bound by. Now in terms of the advice itself, I don't know. It it was a little while ago there. So, obviously, thinking back a little bit there, we were just reviewing the superannuation side of things, the investments within that to see if it was still appropriate. Now since we did have that last previously discussion, we completed that e t p a. So you can talk about each other's accounts. In terms of, like, the coupling fees and linking of hub twenty four, that has been all completed in the back end in the time since we last spoke. And then, obviously, we have referred you under a few of our partners there in regards to the Oakview sort of strategic alliance there in terms of trusted partners, whether or not you took up QCA's services or the lawyer services there at the time. That was completely up to you. And then in regards to that as well, we just touched on the estate planning side of things, which is included in the document here. Now as far as things that we've touched on, we're aware of, we're a bit of accountability partners for now. Your insurances, you're happy with how they're currently. We didn't review those at this time. Your budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child. We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well. If you'd like that to be sent through, you can utilize for your own purposes. It is sort of edible. It is just an Excel spreadsheet, but it just makes everything nice and pretty on paper. In terms of the debt management, obviously, you've got the primary residence there that you're looking to pay down. We're not doing anything in regards to that. And then for a future reference, potentially, you wanna look at salary sacrifice, but not at this time, and then investment property down the track there as well. But that's all sort of later stage. So at the moment, just looking at that super insurance and then also a little bit of travel and the the business there that you were potentially starting up, that's all scoped out of this advice piece. Now in terms of the advice itself, it is quite simple. Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features. I'm not too sure how much you guys go on and play around with it. But it is quite good compared to some alternatives there. In addition to that one, you do also have the family linking not only with OQ, but with Hub twenty four, which lowers those administration fees, which lowers those overall costs as well. So we are recommending you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments. In addition to that one there as well, looking at Marty, I know we sent you off the NEOS form for the beneficiary because that one didn't come back. I don't believe it still has come back, so that is still outstanding for the beneficiary side of things. And then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December. So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things. Yep. We can get you a form if you'd like, or, yeah, you can do it on the the Telstra super. I'm not too sure from memory if they allow you to do it without the signatories. But if they do, you'd have to do the form. But we can get you a copy of the form once you get the close to the date there as well if you'd like. Perfect. And then, obviously, you know, especially with the kid on the way as well, establishing, like, a will of power of attorney, getting your estate planning matters just sorted. So in the event that anything did happen, that nothing sort of out in the question. Now on page eight there, you'll see your details, the about you section for you both. In addition, the next page over you see the assets and liabilities side of things. Now on the the page over on page 10, you'll see where you're currently held in terms of your balances, in terms of where insurances are held. Now for yourself, Asim, you do have that IP paid through work and then the life and TPD as well. Now we're looking at still retaining that due to the the cost and getting obviously a benefit portion paid by your employer. And then you still got that top up. We're keeping that there as well for yourself, mate. You still got those New Year's insurances for the life, TPD, and income protection as well. Even with being on maternity leave, you can look at potentially pausing it. But even if you are intending to return back to work within that that twelve months, likely, we're just gonna keep those active in the event that you obviously do return as well in that time period as opposed to having it switched off in that time. As far as the risk profile goes, I see him you scored the high growth. Marty, you did score growth, which is a little bit below what you're currently invested, but after some discussions, you were happy with the high growth. So currently, both the recommendations sit around that ninety ten split, about 90% growth assets, about 10% defensive. But I'll let you guys have a read through about bit more about high growth and what that means. Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four. Now by maintaining the the hub twenty four fund, obviously, of the additional benefits, those aggregate trading, the linking between your two accounts, in addition to that one there, you don't have to realize any capital gains and underlying in addition with hub twenty four still being quite a good product in the market compared to the alternatives. So if you look on page 15 there, you'll be able to see the breakdown of approximately 31,000 of your Telstra Super will go into the hub 24, and then it'll be reinvested in line with the investments that are recommended. So on page 18 there, you'll see the breakdown of that in the sales and the buyers. Now your portfolio currently was a little bit tech focused as well. Now about half of that's done really, really well, and then the other half did well. And then started this year, I'm not too sure if you're paying much attention, but AI and just the markets in general have taken a little bit of a dive. So we're looking at diversifying that a little bit and still having some allocation to the cybersecurity side of things with the beta shares hack and then also just moving it more in line with where we're sort of going as a company with the investment direction. Now with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in. Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio. Because you are quite heavily invested in that active portion, it did take quite a a bit of a hit with that one. But moving forward, you won't have that active portion, and you'll actually be a lower ongoing cost in terms of, like, investment fees, if that makes sense for you there, Asteem. Now in terms of, like, the allocation to growth versus defensive, you'll have slightly higher in terms of having a bit more allocation to growth, but you won't have that active manager risk, and you'll have a bit more diversification across the investments you hold. You won't have quite a higher allocation towards any sort of singular asset apart from the S and P 500, which is that index fund. That's the top 500 companies in America, which are quite strong historically. Now in terms of the breakdown of that and the projection of that, obviously, projections are based on this time, the three year rolling average just due to the the funds there and how long they've existed for. But a three year rolling average, and that sort of highlights what that change may look like. Now the key figures there are mainly the investment fee. Now consolidating the funds down to closer to one fund more so, you lower those fees of holding across two accounts. In addition to that one, you also lower the investment fees of having between the the two funds in the active portion versus that passive portion. So you will be saving on that one. With that one with projected growth, it does mean the adviser fee does jump up a little bit, but that's just based on those higher returns because, obviously, those indexes have been doing quite well for the past three years. But, obviously, returns are sort of calculated on that, but nothing's gonna replicate year on year on year. So it's to be taken with the grain of salt, as I said, but it gives you a bit of an idea of what that may look like. But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense. Perfect. For yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund. Now moving forward as well, we are recommending the same update to this new portfolio here. As I said to Asim, there is well maintaining that hub twenty four. You keep your linking between your two accounts. It's lower administration costs, which aren't actually disclosed. And this the the fees for hub twenty four will actually come down lower than what I projected. We just project the higher amount. But having those accounts link, it links those funds as well. Now with yourself being off work for a little bit of time as well, you know, staying home, caring for the above for how long you're sort of off, it'll also reduce those costs moving forward for your investments and why you're not having contributions and going in as well. That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense. Perfect. So as I said, yeah, very similar funds from when you first came on board there. But with that, we're both really looking updating to the the same investment fund. Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well. You still got quite a healthy portion to the defensive side of things with the the beta shares, bank hybrids, and across the the rest of the fund. But in addition to that, we consider gold more of a growth asset, which it's disclosed as. You also, between the both of you as well, having that gold, it can act as a bit of a defensive portion as well with what's going on in the markets. But given what's happened in the past few years, obviously, it's done quite well and is considered a bit more of a growth asset currently. But in times of sort of people get a little bit more defensive, you know, Trump playing around in his tariff talks, people tend to go back to that hard currency a little bit there as well, which contributed to its price spike a little bit. As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything. But your table there is on page 27 in terms of the projections. Now for yourself, it'll save you roughly around $355 per annum in investment costs because your funds are fully consolidated there as well. Obviously, Stuart insurance premiums coming out of that one in terms of the the cost that you do pay, but you can't really pay those as well. So that is state zero currently, but you are still paying those with the the current circumstances. Now as I said, if you did wanna review those, if you decide to, you know, stay off work longer and not potentially go back to work as well with income protection and adjusting that for being a stay at home mother, those are all things we can look at as well for you. Okay. As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding from when we sent it. Do you still have a copy of that one? Yep. Not a problem. The snail mail can be a little bit unpredictable whether or not it makes it there or not. But do you have access to a printer at all that you or you'd rather have it just sent in the mail? Do you have access to a printer? Yep. Because we can email a copy as well. It'll still have to be printed in, like yep. Fine. No problem. And as I said for yourself, Hassain, your one for Telstra Super will expire on the December 5. So we could also just email you a copy of, like, how to redo that one and recomplete it when that does expire as well. Perfect. The next section on there is obviously in regards to a will and establishing a will. Now because you guys obviously, for one, have some joint assets together as well in addition to the child on the way. It is important to have, you know, a will set up in the event that anything did happen, and you can also future do those for expected children as well. Now it just means if anything did happen, it just means that they're they're distributed per your wishes. In addition to that as well, it just means we'd like the way the properties are held and sort of vehicles, other sort of assets that family members want want and sort of things as well and gifting to other sort of things in writing. Now in addition to a power of attorney, this is another important one that you can do in conjunction with your will sort of in regards to medical reasons or not or financial. It just means that you're incapacitated in any way that the normally, your spouse has the power to make those decisions if it does kick in for whatever reason. So they can either, for one, still pay bills, sign off on certain things, or in the event that sort of anything did happen medically that you know how you want to be dealt with, whether it's not, you know, pull the plug, things like that. Whether it's in a pit on a document there as well, it just means that with that, it takes those hard decisions out of family members' hands in those sort of difficult times. Perfect. Now within regards to the remuneration and what we still get for for both of you there, it is dropped down to that 1.1 for that coupling fee that did come out as a result of your your last annual review. So that's still in place. And then we still get 22% of the ongoing premiums of those insurances for maintaining those. Obviously, the one that you hold with your Super there, I think, that one is separate, and we don't get anything from that or that account. It's just based on the funds you hold on the hub twenty four and the insurance policy with Neos there as well. Now the device as far as it's concerned is quite simple in terms of, like, retaining everything, slight roll up for your self esteem, and then adjusting those investments, and then just making sure that state planning matters are dealt with. Now in terms of, like, what does happen if you are happy with it, as I said, I've gone through this really quite quickly due to time, but feel free to have a read through, see if you have any questions or concerns. You also have a link to PDF links for all the the investment options if you do wanna review those and have a look at any of those. And then if you were happy to and did sign, we'd obviously go in the back end and deal with those investment updates in addition to that role over there as well as far as the beneficiary forms that so if you have to complete and the the estate planning matters with, like, a will and a power of attorney is something you'll have to deal with or speak to a lawyer, which we can send through that referral to our trusted partner again. But if you're happy sort of finding someone more local or someone a bit more trusted as well locally or family friend. Yeah. That's not a problem. But do you both have any questions in regards? As I said, really quite quick. It didn't really touch on a whole heap of it, but just a very brief overview. Yep. So with that one, it can be direct like, request directly from your hub twenty four. You don't actually have to fill a form out for that one anymore. They don't actually accept hub twenty four. The forms, it is just done through the the platform itself. If you were happy with everything, it'd just be based on the the last research that was done for your fund, and then that would press that amount so you still have $10,000 remaining there just to make sure that insurance premiums are paid. But given that your insurance premium cost isn't that high due to your employer paying for the IP portion and your contributions going in there, even if it was sort of fell a bit below the 10,000 next year anyway. No. But, like, Okie will do that for you in the back end there as well. Yeah. Yeah. So if you were happy with everything and doing the consolidation, they'd do it at all in the back end and also the investment update there for you. Yeah. But as I said, very brief overview. How about yourself, Marty? Were you happy with every do you have any questions regarding that at the moment? Do you wanna take it home and have a bit of a read with it? No. That's not a problem at As I said, very brief overview, but it is quite a simple straightforward document there as well with regards to that investment update and just the estate planning matters. But feel free to have a a read through of all those advantages, disadvantages, and come back with any questions you might have. I can let you know. Yeah. So you can't currently do get linked on that hub 24. You have already the coupling fee in place, and you have those ETPAs on file. So should you ever wanna call up and ask just, you know, where each other's account's right or just general queries as well, you're able to to do that with those forms in place? No problem. Did you guys have any questions for me before I let you get back to your your busy days? No. No problem, guys. Well, good luck with everything. With the the last few months, I'm sure I'll get pretty hectic with preparing for everything. So if I don't speak to you soon, good luck. And then, yeah, the best with everything. 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good afternoon, Hassim. It's Carl calling from Oakview Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I had yourself and Marty booked in for that joint presentation this afternoon. Is now still a good time for you? Perfect. Is Marty available with you there as well at the moment?\n\nNot a problem. Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that. So Perfect. Brilliant. Perfect.\n\nBrilliant for that. Thanks for that, guys. So I know it has been a while since we last spoke. I believe it's the annual reviews where we were sort of happy with how things were tracked. We were just gonna review things, and it was just on the back burner.\n\nObviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document. In in saying that as well, it is a joint document there. Feel free after we have this phone call to have some time to to go through it. I know when you got booked in, they went through and confirmed a few of your details there. Congratulations on the the expectation of a a kid there at the end of next month, was it?\n\nYeah. So that's exciting news. Something big that's occurring. So I'm assuming that the business owner is on a little bit of a back burner for the meantime. Understandable.\n\nBut as far as everything else, I know it seem you had a little bit of a pay bump there as well. There's the kid, obviously, but as far as everything else, generally, everything's unchanged from where we sort of confirmed all your last details? Perfect. Now as I said, when we originally went through this, we were just looking at just reviewing your investments. You were quite happy with the the fund itself, but I will go through the document.\n\nThis will be going through to Asim for yourself. It will be to Asimpt@Outlook and Marty yours would be Martyj.p@Outlook.com, and that will be with you guys shortly. Now in this one here, it's a bit different, the Odoo to the DocuSign you've used previously. Similar sort of software. It just comes through in a bit of a different email.\n\nSo your supporting documentation will be attachments in that. I have attached the statement advice as well as all your PDF documents to be able to look through as well and the Oakview financial services guide that has been updated there as well if you haven't received that copy and the Oakview services guide there as well. So that will be with you there shortly. There is also then the link which takes you to the document itself. It's where you would be able to sign it if you were happy with everything.\n\nNow in regards to the signable document, it's just a statement of advice. And then for a team yourself, this is the tax file opt in form. I don't believe it was completed at your last annual review. It's basically just an update of where we store your tax file number and where they hold that on file. They just updated that form.\n\nSo that's what that form is there as well. So just let me know when that comes through and you have that up in front of you. Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time. Yeah. Understandable.\n\nSo I'll get started on that. Obviously, there is a document created for you, yourself, Hassim, and Marty there in regards that it was prepared by myself, the team here as an authorized representative under the Oakview Financial Services license there as well. There is a best interest, Judy, that we can't put you in a better position. Obviously, we don't give advice. It's part of what we're bound by.\n\nNow in terms of the advice itself, I don't know. It it was a little while ago there. So, obviously, thinking back a little bit there, we were just reviewing the superannuation side of things, the investments within that to see if it was still appropriate. Now since we did have that last previously discussion, we completed that e t p a. So you can talk about each other's accounts.\n\nIn terms of, like, the coupling fees and linking of hub twenty four, that has been all completed in the back end in the time since we last spoke. And then, obviously, we have referred you under a few of our partners there in regards to the Oakview sort of strategic alliance there in terms of trusted partners, whether or not you took up QCA's services or the lawyer services there at the time. That was completely up to you. And then in regards to that as well, we just touched on the estate planning side of things, which is included in the document here. Now as far as things that we've touched on, we're aware of, we're a bit of accountability partners for now.\n\nYour insurances, you're happy with how they're currently. We didn't review those at this time. Your budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child. We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well. If you'd like that to be sent through, you can utilize for your own purposes.\n\nIt is sort of edible. It is just an Excel spreadsheet, but it just makes everything nice and pretty on paper. In terms of the debt management, obviously, you've got the primary residence there that you're looking to pay down. We're not doing anything in regards to that. And then for a future reference, potentially, you wanna look at salary sacrifice, but not at this time, and then investment property down the track there as well.\n\nBut that's all sort of later stage. So at the moment, just looking at that super insurance and then also a little bit of travel and the the business there that you were potentially starting up, that's all scoped out of this advice piece. Now in terms of the advice itself, it is quite simple. Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features. I'm not too sure how much you guys go on and play around with it.\n\nBut it is quite good compared to some alternatives there. In addition to that one, you do also have the family linking not only with OQ, but with Hub twenty four, which lowers those administration fees, which lowers those overall costs as well. So we are recommending you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments. In addition to that one there as well, looking at Marty, I know we sent you off the NEOS form for the beneficiary because that one didn't come back. I don't believe it still has come back, so that is still outstanding for the beneficiary side of things.\n\nAnd then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December. So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things. Yep. We can get you a form if you'd like, or, yeah, you can do it on the the Telstra super. I'm not too sure from memory if they allow you to do it without the signatories.\n\nBut if they do, you'd have to do the form. But we can get you a copy of the form once you get the close to the date there as well if you'd like. Perfect. And then, obviously, you know, especially with the kid on the way as well, establishing, like, a will of power of attorney, getting your estate planning matters just sorted. So in the event that anything did happen, that nothing sort of out in the question.\n\nNow on page eight there, you'll see your details, the about you section for you both. In addition, the next page over you see the assets and liabilities side of things. Now on the the page over on page 10, you'll see where you're currently held in terms of your balances, in terms of where insurances are held. Now for yourself, Asim, you do have that IP paid through work and then the life and TPD as well. Now we're looking at still retaining that due to the the cost and getting obviously a benefit portion paid by your employer.\n\nAnd then you still got that top up. We're keeping that there as well for yourself, mate. You still got those New Year's insurances for the life, TPD, and income protection as well. Even with being on maternity leave, you can look at potentially pausing it. But even if you are intending to return back to work within that that twelve months, likely, we're just gonna keep those active in the event that you obviously do return as well in that time period as opposed to having it switched off in that time.\n\nAs far as the risk profile goes, I see him you scored the high growth. Marty, you did score growth, which is a little bit below what you're currently invested, but after some discussions, you were happy with the high growth. So currently, both the recommendations sit around that ninety ten split, about 90% growth assets, about 10% defensive. But I'll let you guys have a read through about bit more about high growth and what that means. Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four.\n\nNow by maintaining the the hub twenty four fund, obviously, of the additional benefits, those aggregate trading, the linking between your two accounts, in addition to that one there, you don't have to realize any capital gains and underlying in addition with hub twenty four still being quite a good product in the market compared to the alternatives. So if you look on page 15 there, you'll be able to see the breakdown of approximately 31,000 of your Telstra Super will go into the hub 24, and then it'll be reinvested in line with the investments that are recommended. So on page 18 there, you'll see the breakdown of that in the sales and the buyers. Now your portfolio currently was a little bit tech focused as well. Now about half of that's done really, really well, and then the other half did well.\n\nAnd then started this year, I'm not too sure if you're paying much attention, but AI and just the markets in general have taken a little bit of a dive. So we're looking at diversifying that a little bit and still having some allocation to the cybersecurity side of things with the beta shares hack and then also just moving it more in line with where we're sort of going as a company with the investment direction. Now with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in. Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio. Because you are quite heavily invested in that active portion, it did take quite a a bit of a hit with that one.\n\nBut moving forward, you won't have that active portion, and you'll actually be a lower ongoing cost in terms of, like, investment fees, if that makes sense for you there, Asteem. Now in terms of, like, the allocation to growth versus defensive, you'll have slightly higher in terms of having a bit more allocation to growth, but you won't have that active manager risk, and you'll have a bit more diversification across the investments you hold. You won't have quite a higher allocation towards any sort of singular asset apart from the S and P 500, which is that index fund. That's the top 500 companies in America, which are quite strong historically. Now in terms of the breakdown of that and the projection of that, obviously, projections are based on this time, the three year rolling average just due to the the funds there and how long they've existed for.\n\nBut a three year rolling average, and that sort of highlights what that change may look like. Now the key figures there are mainly the investment fee. Now consolidating the funds down to closer to one fund more so, you lower those fees of holding across two accounts. In addition to that one, you also lower the investment fees of having between the the two funds in the active portion versus that passive portion. So you will be saving on that one.\n\nWith that one with projected growth, it does mean the adviser fee does jump up a little bit, but that's just based on those higher returns because, obviously, those indexes have been doing quite well for the past three years. But, obviously, returns are sort of calculated on that, but nothing's gonna replicate year on year on year. So it's to be taken with the grain of salt, as I said, but it gives you a bit of an idea of what that may look like. But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense. Perfect.\n\nFor yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund. Now moving forward as well, we are recommending the same update to this new portfolio here. As I said to Asim, there is well maintaining that hub twenty four. You keep your linking between your two accounts. It's lower administration costs, which aren't actually disclosed.\n\nAnd this the the fees for hub twenty four will actually come down lower than what I projected. We just project the higher amount. But having those accounts link, it links those funds as well. Now with yourself being off work for a little bit of time as well, you know, staying home, caring for the above for how long you're sort of off, it'll also reduce those costs moving forward for your investments and why you're not having contributions and going in as well. That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense.\n\nPerfect. So as I said, yeah, very similar funds from when you first came on board there. But with that, we're both really looking updating to the the same investment fund. Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well. You still got quite a healthy portion to the defensive side of things with the the beta shares, bank hybrids, and across the the rest of the fund.\n\nBut in addition to that, we consider gold more of a growth asset, which it's disclosed as. You also, between the both of you as well, having that gold, it can act as a bit of a defensive portion as well with what's going on in the markets. But given what's happened in the past few years, obviously, it's done quite well and is considered a bit more of a growth asset currently. But in times of sort of people get a little bit more defensive, you know, Trump playing around in his tariff talks, people tend to go back to that hard currency a little bit there as well, which contributed to its price spike a little bit. As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything.\n\nBut your table there is on page 27 in terms of the projections. Now for yourself, it'll save you roughly around $355 per annum in investment costs because your funds are fully consolidated there as well. Obviously, Stuart insurance premiums coming out of that one in terms of the the cost that you do pay, but you can't really pay those as well. So that is state zero currently, but you are still paying those with the the current circumstances. Now as I said, if you did wanna review those, if you decide to, you know, stay off work longer and not potentially go back to work as well with income protection and adjusting that for being a stay at home mother, those are all things we can look at as well for you.\n\nOkay. As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding from when we sent it. Do you still have a copy of that one? Yep. Not a problem.\n\nThe snail mail can be a little bit unpredictable whether or not it makes it there or not. But do you have access to a printer at all that you or you'd rather have it just sent in the mail? Do you have access to a printer? Yep. Because we can email a copy as well.\n\nIt'll still have to be printed in, like yep. Fine. No problem. And as I said for yourself, Hassain, your one for Telstra Super will expire on the December 5. So we could also just email you a copy of, like, how to redo that one and recomplete it when that does expire as well.\n\nPerfect. The next section on there is obviously in regards to a will and establishing a will. Now because you guys obviously, for one, have some joint assets together as well in addition to the child on the way. It is important to have, you know, a will set up in the event that anything did happen, and you can also future do those for expected children as well. Now it just means if anything did happen, it just means that they're they're distributed per your wishes.\n\nIn addition to that as well, it just means we'd like the way the properties are held and sort of vehicles, other sort of assets that family members want want and sort of things as well and gifting to other sort of things in writing. Now in addition to a power of attorney, this is another important one that you can do in conjunction with your will sort of in regards to medical reasons or not or financial. It just means that you're incapacitated in any way that the normally, your spouse has the power to make those decisions if it does kick in for whatever reason. So they can either, for one, still pay bills, sign off on certain things, or in the event that sort of anything did happen medically that you know how you want to be dealt with, whether it's not, you know, pull the plug, things like that. Whether it's in a pit on a document there as well, it just means that with that, it takes those hard decisions out of family members' hands in those sort of difficult times.\n\nPerfect. Now within regards to the remuneration and what we still get for for both of you there, it is dropped down to that 1.1 for that coupling fee that did come out as a result of your your last annual review. So that's still in place. And then we still get 22% of the ongoing premiums of those insurances for maintaining those. Obviously, the one that you hold with your Super there, I think, that one is separate, and we don't get anything from that or that account.\n\nIt's just based on the funds you hold on the hub twenty four and the insurance policy with Neos there as well. Now the device as far as it's concerned is quite simple in terms of, like, retaining everything, slight roll up for your self esteem, and then adjusting those investments, and then just making sure that state planning matters are dealt with. Now in terms of, like, what does happen if you are happy with it, as I said, I've gone through this really quite quickly due to time, but feel free to have a read through, see if you have any questions or concerns. You also have a link to PDF links for all the the investment options if you do wanna review those and have a look at any of those. And then if you were happy to and did sign, we'd obviously go in the back end and deal with those investment updates in addition to that role over there as well as far as the beneficiary forms that so if you have to complete and the the estate planning matters with, like, a will and a power of attorney is something you'll have to deal with or speak to a lawyer, which we can send through that referral to our trusted partner again.\n\nBut if you're happy sort of finding someone more local or someone a bit more trusted as well locally or family friend. Yeah. That's not a problem. But do you both have any questions in regards? As I said, really quite quick.\n\nIt didn't really touch on a whole heap of it, but just a very brief overview. Yep. So with that one, it can be direct like, request directly from your hub twenty four. You don't actually have to fill a form out for that one anymore. They don't actually accept hub twenty four.\n\nThe forms, it is just done through the the platform itself. If you were happy with everything, it'd just be based on the the last research that was done for your fund, and then that would press that amount so you still have $10,000 remaining there just to make sure that insurance premiums are paid. But given that your insurance premium cost isn't that high due to your employer paying for the IP portion and your contributions going in there, even if it was sort of fell a bit below the 10,000 next year anyway. No. But, like, Okie will do that for you in the back end there as well.\n\nYeah. Yeah. So if you were happy with everything and doing the consolidation, they'd do it at all in the back end and also the investment update there for you. Yeah. But as I said, very brief overview.\n\nHow about yourself, Marty? Were you happy with every do you have any questions regarding that at the moment? Do you wanna take it home and have a bit of a read with it? No. That's not a problem at As I said, very brief overview, but it is quite a simple straightforward document there as well with regards to that investment update and just the estate planning matters.\n\nBut feel free to have a a read through of all those advantages, disadvantages, and come back with any questions you might have. I can let you know. Yeah. So you can't currently do get linked on that hub 24. You have already the coupling fee in place, and you have those ETPAs on file.\n\nSo should you ever wanna call up and ask just, you know, where each other's account's right or just general queries as well, you're able to to do that with those forms in place? No problem. Did you guys have any questions for me before I let you get back to your your busy days? No. No problem, guys.\n\nWell, good luck with everything. With the the last few months, I'm sure I'll get pretty hectic with preparing for everything. So if I don't speak to you soon, good luck. And then, yeah, the best with everything. Thanks, guys.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Good good afternoon, Hassim.","start":4.96,"end":6.3199997,"sentiment":"positive","sentiment_score":0.4584580361843109},{"text":"It's Carl calling from Oakview Financial.","start":6.3199997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.21948659916718802},{"text":"How are you today?","start":7.9199996,"end":8.74,"sentiment":"neutral","sentiment_score":0.2568873055279255},{"text":"Yeah.","start":10.4,"end":10.719999,"sentiment":"neutral","sentiment_score":0.13340255618095398},{"text":"Not too bad at all.","start":10.719999,"end":11.36,"sentiment":"neutral","sentiment_score":0.22484105825424194}],"sentiment":"neutral","sentiment_score":0.27179544046521187,"num_words":20,"start":4.96,"end":11.36},{"sentences":[{"text":"Thanks for asking.","start":11.36,"end":12.0,"sentiment":"positive","sentiment_score":0.5620845357577006},{"text":"I had yourself and Marty booked in for that joint presentation this afternoon.","start":12.0,"end":15.565,"sentiment":"neutral","sentiment_score":0.2105537893680426},{"text":"Is now still a good time for you?","start":17.625,"end":19.324999,"sentiment":"neutral","sentiment_score":0.15445354115217924},{"text":"Perfect.","start":21.945,"end":22.345,"sentiment":"positive","sentiment_score":0.39111265540122986},{"text":"Is Marty available with you there as well at the moment?","start":22.345,"end":25.244999,"sentiment":"neutral","sentiment_score":0.10010735555128618}],"sentiment":"neutral","sentiment_score":0.19864929902056852,"num_words":36,"start":11.36,"end":25.244999},{"sentences":[{"text":"Not a problem.","start":31.240002,"end":31.980001,"sentiment":"neutral","sentiment_score":0.10239767531553905},{"text":"Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that.","start":50.295,"end":58.43,"sentiment":"neutral","sentiment_score":0.132145620368678},{"text":"So Perfect.","start":58.43,"end":69.965,"sentiment":"neutral","sentiment_score":0.1764109507203102},{"text":"Brilliant.","start":69.965,"end":70.465,"sentiment":"neutral","sentiment_score":0.2265331745147705},{"text":"Perfect.","start":79.43,"end":79.75,"sentiment":"positive","sentiment_score":0.5097115635871887}],"sentiment":"neutral","sentiment_score":0.14523562933835718,"num_words":36,"start":31.240002,"end":79.75},{"sentences":[{"text":"Brilliant for that.","start":79.75,"end":80.31,"sentiment":"positive","sentiment_score":0.6019501884778341},{"text":"Thanks for that, guys.","start":80.31,"end":81.21,"sentiment":"positive","sentiment_score":0.6105454117059708},{"text":"So I know it has been a while since we last spoke.","start":81.67,"end":84.31,"sentiment":"neutral","sentiment_score":0.03035521289954583},{"text":"I believe it's the annual reviews where we were sort of happy with how things were tracked.","start":84.31,"end":88.07,"sentiment":"neutral","sentiment_score":0.08105469341663753},{"text":"We were just gonna review things, and it was just on the back burner.","start":88.07,"end":90.63,"sentiment":"neutral","sentiment_score":-0.16775674053600856}],"sentiment":"neutral","sentiment_score":0.07283260375261306,"num_words":50,"start":79.75,"end":90.63},{"sentences":[{"text":"Obviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document.","start":90.63,"end":95.985,"sentiment":"neutral","sentiment_score":-0.14165505456427732},{"text":"In in saying that as well, it is a joint document there.","start":97.565,"end":100.285,"sentiment":"neutral","sentiment_score":-0.009300167361895243},{"text":"Feel free after we have this phone call to have some time to to go through it.","start":100.285,"end":103.40501,"sentiment":"neutral","sentiment_score":0.14452037478194518},{"text":"I know when you got booked in, they went through and confirmed a few of your details there.","start":103.40501,"end":106.525,"sentiment":"neutral","sentiment_score":0.19705053067041767},{"text":"Congratulations on the the expectation of a a kid there at the end of next month, was it?","start":106.525,"end":111.95,"sentiment":"positive","sentiment_score":0.4658625059657627}],"sentiment":"neutral","sentiment_score":0.12222424396470691,"num_words":89,"start":90.63,"end":111.95},{"sentences":[{"text":"Yeah.","start":113.93,"end":114.33,"sentiment":"neutral","sentiment_score":0.30241477489471436},{"text":"So that's exciting news.","start":114.33,"end":116.189995,"sentiment":"positive","sentiment_score":0.4060635268688202},{"text":"Something big that's occurring.","start":116.33,"end":117.45,"sentiment":"neutral","sentiment_score":0.08426646376028657},{"text":"So I'm assuming that the business owner is on a little bit of a back burner for the meantime.","start":117.45,"end":121.07,"sentiment":"neutral","sentiment_score":-0.2950144057211123},{"text":"Understandable.","start":123.905,"end":124.405,"sentiment":"neutral","sentiment_score":0.18321822583675385}],"sentiment":"neutral","sentiment_score":-0.10890761191218064,"num_words":29,"start":113.93,"end":124.405},{"sentences":[{"text":"But as far as everything else, I know it seem you had a little bit of a pay bump there as well.","start":125.265,"end":130.005,"sentiment":"neutral","sentiment_score":-0.13155931065028365},{"text":"There's the kid, obviously, but as far as everything else, generally, everything's unchanged from where we sort of confirmed all your last details?","start":130.22499,"end":136.64,"sentiment":"neutral","sentiment_score":-0.03677895891925563},{"text":"Perfect.","start":138.86,"end":139.36,"sentiment":"positive","sentiment_score":0.6680909991264343},{"text":"Now as I said, when we originally went through this, we were just looking at just reviewing your investments.","start":139.98,"end":145.34,"sentiment":"neutral","sentiment_score":0.1500151165221867},{"text":"You were quite happy with the the fund itself, but I will go through the document.","start":145.34,"end":148.54,"sentiment":"positive","sentiment_score":0.3516558101400733}],"sentiment":"neutral","sentiment_score":0.0667240776029634,"num_words":81,"start":125.265,"end":148.54},{"sentences":[{"text":"This will be going through to Asim for yourself.","start":148.54,"end":151.25499,"sentiment":"neutral","sentiment_score":0.19325101872285208},{"text":"It will be to Asimpt@Outlook and Marty yours would be Martyj.p@Outlook.com, and that will be with you guys shortly.","start":151.25499,"end":160.875,"sentiment":"neutral","sentiment_score":0.1654951176361034},{"text":"Now in this one here, it's a bit different, the Odoo to the DocuSign you've used previously.","start":161.655,"end":166.65999,"sentiment":"neutral","sentiment_score":0.010812944568255368},{"text":"Similar sort of software.","start":166.87999,"end":168.09999,"sentiment":"neutral","sentiment_score":-0.0031649572774767876},{"text":"It just comes through in a bit of a different email.","start":168.23999,"end":170.0,"sentiment":"neutral","sentiment_score":0.005146663974631916}],"sentiment":"neutral","sentiment_score":0.08519066559771697,"num_words":60,"start":148.54,"end":170.0},{"sentences":[{"text":"So your supporting documentation will be attachments in that.","start":170.0,"end":173.04,"sentiment":"neutral","sentiment_score":0.04701278648442692},{"text":"I have attached the statement advice as well as all your PDF documents to be able to look through as well and the Oakview financial services guide that has been updated there as well if you haven't received that copy and the Oakview services guide there as well.","start":173.04,"end":184.105,"sentiment":"neutral","sentiment_score":0.10141598619520664},{"text":"So that will be with you there shortly.","start":184.105,"end":185.645,"sentiment":"neutral","sentiment_score":0.1790329795330763},{"text":"There is also then the link which takes you to the document itself.","start":186.185,"end":190.525,"sentiment":"neutral","sentiment_score":0.12627319991588593},{"text":"It's where you would be able to sign it if you were happy with everything.","start":190.58499,"end":193.72499,"sentiment":"neutral","sentiment_score":0.20291853149731953}],"sentiment":"neutral","sentiment_score":0.12267393358452346,"num_words":93,"start":170.0,"end":193.72499},{"sentences":[{"text":"Now in regards to the signable document, it's just a statement of advice.","start":194.15001,"end":197.27,"sentiment":"neutral","sentiment_score":0.053736009276830234},{"text":"And then for a team yourself, this is the tax file opt in form.","start":197.27,"end":200.49,"sentiment":"neutral","sentiment_score":0.0852850473352841},{"text":"I don't believe it was completed at your last annual review.","start":200.79001,"end":203.03,"sentiment":"neutral","sentiment_score":-0.12705510448325763},{"text":"It's basically just an update of where we store your tax file number and where they hold that on file.","start":203.03,"end":207.86499,"sentiment":"neutral","sentiment_score":0.042179875634610654},{"text":"They just updated that form.","start":207.86499,"end":209.405,"sentiment":"neutral","sentiment_score":0.10229950919747352}],"sentiment":"neutral","sentiment_score":0.029365836391373287,"num_words":63,"start":194.15001,"end":209.405},{"sentences":[{"text":"So that's what that form is there as well.","start":209.86499,"end":212.285,"sentiment":"neutral","sentiment_score":0.15580380790763432},{"text":"So just let me know when that comes through and you have that up in front of you.","start":212.985,"end":216.105,"sentiment":"neutral","sentiment_score":0.17186905099596414},{"text":"Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time.","start":216.105,"end":228.53,"sentiment":"neutral","sentiment_score":0.08249032916501164},{"text":"Yeah.","start":230.83,"end":231.31,"sentiment":"neutral","sentiment_score":0.30256038904190063},{"text":"Understandable.","start":231.31,"end":231.81,"sentiment":"positive","sentiment_score":0.3502008318901062}],"sentiment":"neutral","sentiment_score":0.11570019499926143,"num_words":83,"start":209.86499,"end":231.81},{"sentences":[{"text":"So I'll get started on that.","start":232.98999,"end":234.11,"sentiment":"neutral","sentiment_score":0.2579922278722127},{"text":"Obviously, there is a document created for you, yourself, Hassim, and Marty there in regards that it was prepared by myself, the team here as an authorized representative under the Oakview Financial Services license there as well.","start":234.11,"end":246.675,"sentiment":"neutral","sentiment_score":0.14073016856973236},{"text":"There is a best interest, Judy, that we can't put you in a better position.","start":246.675,"end":249.235,"sentiment":"neutral","sentiment_score":-0.3188319057226181},{"text":"Obviously, we don't give advice.","start":249.235,"end":250.615,"sentiment":"negative","sentiment_score":-0.48899725675582884},{"text":"It's part of what we're bound by.","start":250.755,"end":252.39,"sentiment":"negative","sentiment_score":-0.35272700445992605}],"sentiment":"neutral","sentiment_score":-0.04202263280749321,"num_words":70,"start":232.98999,"end":252.39},{"sentences":[{"text":"Now in terms of the advice itself, I don't know.","start":252.71,"end":255.59,"sentiment":"neutral","sentiment_score":-0.151363355666399},{"text":"It it was a little while ago there.","start":255.59,"end":256.79,"sentiment":"neutral","sentiment_score":-0.1342949364334345},{"text":"So, obviously, thinking back a little bit there, we were just reviewing the superannuation side of things, the investments within that to see if it was still appropriate.","start":256.79,"end":264.17,"sentiment":"neutral","sentiment_score":-0.05552656988480261},{"text":"Now since we did have that last previously discussion, we completed that e t p a.","start":264.725,"end":269.285,"sentiment":"neutral","sentiment_score":0.10547227691859007},{"text":"So you can talk about each other's accounts.","start":269.285,"end":270.985,"sentiment":"neutral","sentiment_score":0.14338748063892126}],"sentiment":"neutral","sentiment_score":-0.0186868675585304,"num_words":70,"start":252.71,"end":270.985},{"sentences":[{"text":"In terms of, like, the coupling fees and linking of hub twenty four, that has been all completed in the back end in the time since we last spoke.","start":271.525,"end":278.025,"sentiment":"neutral","sentiment_score":0.14253318900692052},{"text":"And then, obviously, we have referred you under a few of our partners there in regards to the Oakview sort of strategic alliance there in terms of trusted partners, whether or not you took up QCA's services or the lawyer services there at the time.","start":278.23,"end":293.385,"sentiment":"neutral","sentiment_score":0.08251763739519649},{"text":"That was completely up to you.","start":293.625,"end":295.245,"sentiment":"neutral","sentiment_score":0.08529002219438553},{"text":"And then in regards to that as well, we just touched on the estate planning side of things, which is included in the document here.","start":295.945,"end":301.405,"sentiment":"neutral","sentiment_score":0.09078410729765891},{"text":"Now as far as things that we've touched on, we're aware of, we're a bit of accountability partners for now.","start":301.545,"end":306.99,"sentiment":"neutral","sentiment_score":0.0006443205056712031}],"sentiment":"neutral","sentiment_score":0.08512788311764598,"num_words":125,"start":271.525,"end":306.99},{"sentences":[{"text":"Your insurances, you're happy with how they're currently.","start":307.47,"end":309.71,"sentiment":"neutral","sentiment_score":0.03190434444695711},{"text":"We didn't review those at this time.","start":309.71,"end":311.49,"sentiment":"negative","sentiment_score":-0.3554321697780064},{"text":"Your budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child.","start":311.87,"end":318.13,"sentiment":"neutral","sentiment_score":0.2875308295090993},{"text":"We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well.","start":318.19,"end":327.585,"sentiment":"neutral","sentiment_score":0.2893578711806274},{"text":"If you'd like that to be sent through, you can utilize for your own purposes.","start":328.205,"end":331.725,"sentiment":"neutral","sentiment_score":0.26955313285191856}],"sentiment":"neutral","sentiment_score":0.2165780967003421,"num_words":95,"start":307.47,"end":331.725},{"sentences":[{"text":"It is sort of edible.","start":331.725,"end":332.685,"sentiment":"positive","sentiment_score":0.42477667331695557},{"text":"It is just an Excel spreadsheet, but it just makes everything nice and pretty on paper.","start":332.685,"end":336.86,"sentiment":"positive","sentiment_score":0.4464397709816694},{"text":"In terms of the debt management, obviously, you've got the primary residence there that you're looking to pay down.","start":337.32,"end":342.52,"sentiment":"neutral","sentiment_score":0.022643260394321067},{"text":"We're not doing anything in regards to that.","start":342.52,"end":344.38,"sentiment":"neutral","sentiment_score":-0.2513750232756138},{"text":"And then for a future reference, potentially, you wanna look at salary sacrifice, but not at this time, and then investment property down the track there as well.","start":344.6,"end":353.3739,"sentiment":"neutral","sentiment_score":-0.04361707630700299}],"sentiment":"neutral","sentiment_score":0.08506399114450783,"num_words":76,"start":331.725,"end":353.3739},{"sentences":[{"text":"But that's all sort of later stage.","start":353.3739,"end":354.585,"sentiment":"neutral","sentiment_score":-0.07708447054028511},{"text":"So at the moment, just looking at that super insurance and then also a little bit of travel and the the business there that you were potentially starting up, that's all scoped out of this advice piece.","start":355.445,"end":365.20502,"sentiment":"neutral","sentiment_score":0.0855938966411191},{"text":"Now in terms of the advice itself, it is quite simple.","start":365.20502,"end":368.0,"sentiment":"neutral","sentiment_score":0.25363979827273975},{"text":"Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features.","start":368.0,"end":375.12,"sentiment":"neutral","sentiment_score":0.324971338113149},{"text":"I'm not too sure how much you guys go on and play around with it.","start":375.12,"end":378.1,"sentiment":"neutral","sentiment_score":0.21133534560600917}],"sentiment":"neutral","sentiment_score":0.18336590990424156,"num_words":100,"start":353.3739,"end":378.1},{"sentences":[{"text":"But it is quite good compared to some alternatives there.","start":379.235,"end":382.055,"sentiment":"positive","sentiment_score":0.42942426204681394},{"text":"In addition to that one, you do also have the family linking not only with OQ, but with Hub twenty four, which lowers those administration fees, which lowers those overall costs as well.","start":382.115,"end":391.415,"sentiment":"positive","sentiment_score":0.36021245383855066},{"text":"So we are recommending you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments.","start":391.715,"end":404.62,"sentiment":"neutral","sentiment_score":0.3014866429012875},{"text":"In addition to that one there as well, looking at Marty, I know we sent you off the NEOS form for the beneficiary because that one didn't come back.","start":405.72,"end":415.625,"sentiment":"neutral","sentiment_score":0.03566154991758281},{"text":"I don't believe it still has come back, so that is still outstanding for the beneficiary side of things.","start":415.685,"end":420.345,"sentiment":"neutral","sentiment_score":-0.032117511488889396}],"sentiment":"neutral","sentiment_score":0.2206651602329603,"num_words":134,"start":379.235,"end":420.345},{"sentences":[{"text":"And then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December.","start":420.88498,"end":429.38,"sentiment":"neutral","sentiment_score":-0.1557570179855382},{"text":"So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things.","start":429.68,"end":439.195,"sentiment":"neutral","sentiment_score":0.17285047814948484},{"text":"Yep.","start":440.455,"end":440.955,"sentiment":"neutral","sentiment_score":0.19177848100662231},{"text":"We can get you a form if you'd like, or, yeah, you can do it on the the Telstra super.","start":445.81497,"end":450.29498,"sentiment":"neutral","sentiment_score":0.11668953411281109},{"text":"I'm not too sure from memory if they allow you to do it without the signatories.","start":450.29498,"end":455.08,"sentiment":"neutral","sentiment_score":-0.05649146426003426}],"sentiment":"neutral","sentiment_score":0.03070293281537791,"num_words":96,"start":420.88498,"end":455.08},{"sentences":[{"text":"But if they do, you'd have to do the form.","start":455.69998,"end":457.22,"sentiment":"neutral","sentiment_score":0.04463033154606819},{"text":"But we can get you a copy of the form once you get the close to the date there as well if you'd like.","start":457.22,"end":461.63998,"sentiment":"neutral","sentiment_score":0.20581207113961378},{"text":"Perfect.","start":463.69998,"end":464.19998,"sentiment":"positive","sentiment_score":0.7482865452766418},{"text":"And then, obviously, you know, especially with the kid on the way as well, establishing, like, a will of power of attorney, getting your estate planning matters just sorted.","start":464.625,"end":470.965,"sentiment":"positive","sentiment_score":0.44439401914333476},{"text":"So in the event that anything did happen, that nothing sort of out in the question.","start":471.265,"end":476.405,"sentiment":"neutral","sentiment_score":0.23087460175156593}],"sentiment":"neutral","sentiment_score":0.2839437468908727,"num_words":80,"start":455.69998,"end":476.405},{"sentences":[{"text":"Now on page eight there, you'll see your details, the about you section for you both.","start":477.185,"end":482.18997,"sentiment":"neutral","sentiment_score":0.22809146158397198},{"text":"In addition, the next page over you see the assets and liabilities side of things.","start":482.18997,"end":485.72998,"sentiment":"neutral","sentiment_score":0.1529064729809761},{"text":"Now on the the page over on page 10, you'll see where you're currently held in terms of your balances, in terms of where insurances are held.","start":486.66998,"end":495.465,"sentiment":"neutral","sentiment_score":0.10262794351136242},{"text":"Now for yourself, Asim, you do have that IP paid through work and then the life and TPD as well.","start":495.465,"end":501.005,"sentiment":"neutral","sentiment_score":0.21810730025172234},{"text":"Now we're looking at still retaining that due to the the cost and getting obviously a benefit portion paid by your employer.","start":501.065,"end":506.685,"sentiment":"neutral","sentiment_score":0.298187140036713}],"sentiment":"neutral","sentiment_score":0.1963627804070711,"num_words":100,"start":477.185,"end":506.685},{"sentences":[{"text":"And then you still got that top up.","start":507.39,"end":508.75,"sentiment":"positive","sentiment_score":0.3547038324177265},{"text":"We're keeping that there as well for yourself, mate.","start":508.75,"end":510.75,"sentiment":"positive","sentiment_score":0.5296690530247159},{"text":"You still got those New Year's insurances for the life, TPD, and income protection as well.","start":510.75,"end":514.37,"sentiment":"positive","sentiment_score":0.4126900378614664},{"text":"Even with being on maternity leave, you can look at potentially pausing it.","start":514.59,"end":519.81,"sentiment":"neutral","sentiment_score":-0.164803969172331},{"text":"But even if you are intending to return back to work within that that twelve months, likely, we're just gonna keep those active in the event that you obviously do return as well in that time period as opposed to having it switched off in that time.","start":519.87,"end":534.495,"sentiment":"neutral","sentiment_score":0.29826957241017765}],"sentiment":"neutral","sentiment_score":0.28047216178909423,"num_words":93,"start":507.39,"end":534.495},{"sentences":[{"text":"As far as the risk profile goes, I see him you scored the high growth.","start":537.44,"end":540.64,"sentiment":"neutral","sentiment_score":0.2182138333717982},{"text":"Marty, you did score growth, which is a little bit below what you're currently invested, but after some discussions, you were happy with the high growth.","start":540.64,"end":546.56,"sentiment":"positive","sentiment_score":0.3469193342786569},{"text":"So currently, both the recommendations sit around that ninety ten split, about 90% growth assets, about 10% defensive.","start":546.56,"end":552.745,"sentiment":"neutral","sentiment_score":0.3103433913654751},{"text":"But I'll let you guys have a read through about bit more about high growth and what that means.","start":553.125,"end":556.58496,"sentiment":"neutral","sentiment_score":0.3217504173517227},{"text":"Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four.","start":556.805,"end":567.37,"sentiment":"neutral","sentiment_score":0.3327042970693473}],"sentiment":"neutral","sentiment_score":0.3150611799042504,"num_words":111,"start":537.44,"end":567.37},{"sentences":[{"text":"Now by maintaining the the hub twenty four fund, obviously, of the additional benefits, those aggregate trading, the linking between your two accounts, in addition to that one there, you don't have to realize any capital gains and underlying in addition with hub twenty four still being quite a good product in the market compared to the alternatives.","start":567.91,"end":584.695,"sentiment":"positive","sentiment_score":0.38671483510527116},{"text":"So if you look on page 15 there, you'll be able to see the breakdown of approximately 31,000 of your Telstra Super will go into the hub 24, and then it'll be reinvested in line with the investments that are recommended.","start":585.635,"end":597.64996,"sentiment":"neutral","sentiment_score":0.2643474285922399},{"text":"So on page 18 there, you'll see the breakdown of that in the sales and the buyers.","start":598.11,"end":603.47,"sentiment":"neutral","sentiment_score":0.19799677238744848},{"text":"Now your portfolio currently was a little bit tech focused as well.","start":603.47,"end":607.095,"sentiment":"neutral","sentiment_score":0.19865481679638228},{"text":"Now about half of that's done really, really well, and then the other half did well.","start":607.415,"end":611.33496,"sentiment":"positive","sentiment_score":0.37037502601742744}],"sentiment":"neutral","sentiment_score":0.312107696922289,"num_words":144,"start":567.91,"end":611.33496},{"sentences":[{"text":"And then started this year, I'm not too sure if you're paying much attention, but AI and just the markets in general have taken a little bit of a dive.","start":611.33496,"end":617.435,"sentiment":"neutral","sentiment_score":0.10401202067732811},{"text":"So we're looking at diversifying that a little bit and still having some allocation to the cybersecurity side of things with the beta shares hack and then also just moving it more in line with where we're sort of going as a company with the investment direction.","start":617.57495,"end":634.21,"sentiment":"neutral","sentiment_score":0.32196537452809354},{"text":"Now with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in.","start":634.51,"end":642.22504,"sentiment":"neutral","sentiment_score":-0.257761337980628},{"text":"Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio.","start":642.22504,"end":649.36505,"sentiment":"neutral","sentiment_score":0.008738359968577112},{"text":"Because you are quite heavily invested in that active portion, it did take quite a a bit of a hit with that one.","start":650.01,"end":654.97003,"sentiment":"neutral","sentiment_score":-0.09673143145830734}],"sentiment":"neutral","sentiment_score":0.05404901417278791,"num_words":158,"start":611.33496,"end":654.97003},{"sentences":[{"text":"But moving forward, you won't have that active portion, and you'll actually be a lower ongoing cost in terms of, like, investment fees, if that makes sense for you there, Asteem.","start":654.97003,"end":665.91504,"sentiment":"neutral","sentiment_score":0.2812737296185186},{"text":"Now in terms of, like, the allocation to growth versus defensive, you'll have slightly higher in terms of having a bit more allocation to growth, but you won't have that active manager risk, and you'll have a bit more diversification across the investments you hold.","start":665.91504,"end":679.07,"sentiment":"neutral","sentiment_score":0.31444985303613876},{"text":"You won't have quite a higher allocation towards any sort of singular asset apart from the S and P 500, which is that index fund.","start":679.07,"end":687.55,"sentiment":"neutral","sentiment_score":0.22812400698661806},{"text":"That's the top 500 companies in America, which are quite strong historically.","start":687.55,"end":691.685,"sentiment":"positive","sentiment_score":0.45217787722746533},{"text":"Now in terms of the breakdown of that and the projection of that, obviously, projections are based on this time, the three year rolling average just due to the the funds there and how long they've existed for.","start":693.185,"end":703.265,"sentiment":"neutral","sentiment_score":0.082098244640388}],"sentiment":"neutral","sentiment_score":0.2458191854472192,"num_words":151,"start":654.97003,"end":703.265},{"sentences":[{"text":"But a three year rolling average, and that sort of highlights what that change may look like.","start":703.265,"end":707.83,"sentiment":"neutral","sentiment_score":0.06357453566263704},{"text":"Now the key figures there are mainly the investment fee.","start":707.83,"end":710.39,"sentiment":"neutral","sentiment_score":0.1502896748483181},{"text":"Now consolidating the funds down to closer to one fund more so, you lower those fees of holding across two accounts.","start":710.39,"end":718.39496,"sentiment":"neutral","sentiment_score":0.21432016080334074},{"text":"In addition to that one, you also lower the investment fees of having between the the two funds in the active portion versus that passive portion.","start":718.39496,"end":727.035,"sentiment":"neutral","sentiment_score":0.2888849606880775},{"text":"So you will be saving on that one.","start":727.035,"end":728.735,"sentiment":"positive","sentiment_score":0.5109822601079941}],"sentiment":"neutral","sentiment_score":0.22784456451673332,"num_words":82,"start":703.265,"end":728.735},{"sentences":[{"text":"With that one with projected growth, it does mean the adviser fee does jump up a little bit, but that's just based on those higher returns because, obviously, those indexes have been doing quite well for the past three years.","start":729.115,"end":738.58997,"sentiment":"positive","sentiment_score":0.4169172286987305},{"text":"But, obviously, returns are sort of calculated on that, but nothing's gonna replicate year on year on year.","start":739.21,"end":744.91,"sentiment":"neutral","sentiment_score":-0.10270713590499428},{"text":"So it's to be taken with the grain of salt, as I said, but it gives you a bit of an idea of what that may look like.","start":745.21,"end":749.67505,"sentiment":"neutral","sentiment_score":0.03253929551491248},{"text":"But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense.","start":750.215,"end":759.15,"sentiment":"neutral","sentiment_score":0.30316123885638785},{"text":"Perfect.","start":761.71,"end":762.21,"sentiment":"positive","sentiment_score":0.6965575218200684}],"sentiment":"neutral","sentiment_score":0.22033282816798117,"num_words":120,"start":729.115,"end":762.21},{"sentences":[{"text":"For yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund.","start":762.59,"end":768.85004,"sentiment":"positive","sentiment_score":0.39690931638081867},{"text":"Now moving forward as well, we are recommending the same update to this new portfolio here.","start":769.39,"end":774.045,"sentiment":"positive","sentiment_score":0.41189886070787907},{"text":"As I said to Asim, there is well maintaining that hub twenty four.","start":774.52496,"end":778.365,"sentiment":"neutral","sentiment_score":0.3286852286412166},{"text":"You keep your linking between your two accounts.","start":778.365,"end":780.365,"sentiment":"positive","sentiment_score":0.3714316487312317},{"text":"It's lower administration costs, which aren't actually disclosed.","start":780.365,"end":783.40497,"sentiment":"positive","sentiment_score":0.39159634709358215}],"sentiment":"positive","sentiment_score":0.3839614101942035,"num_words":69,"start":762.59,"end":783.40497},{"sentences":[{"text":"And this the the fees for hub twenty four will actually come down lower than what I projected.","start":783.40497,"end":787.565,"sentiment":"positive","sentiment_score":0.49772216379642487},{"text":"We just project the higher amount.","start":787.565,"end":789.185,"sentiment":"neutral","sentiment_score":0.3192681223154068},{"text":"But having those accounts link, it links those funds as well.","start":789.64,"end":792.54,"sentiment":"neutral","sentiment_score":0.2763580652800473},{"text":"Now with yourself being off work for a little bit of time as well, you know, staying home, caring for the above for how long you're sort of off, it'll also reduce those costs moving forward for your investments and why you're not having contributions and going in as well.","start":792.83997,"end":805.835,"sentiment":"neutral","sentiment_score":0.2530909051001072},{"text":"That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense.","start":805.895,"end":816.16003,"sentiment":"neutral","sentiment_score":0.3204449849824111}],"sentiment":"neutral","sentiment_score":0.31491827367504766,"num_words":121,"start":783.40497,"end":816.16003},{"sentences":[{"text":"Perfect.","start":818.62,"end":819.12,"sentiment":"positive","sentiment_score":0.45015233755111694},{"text":"So as I said, yeah, very similar funds from when you first came on board there.","start":819.5,"end":823.76,"sentiment":"neutral","sentiment_score":0.24788019992411137},{"text":"But with that, we're both really looking updating to the the same investment fund.","start":823.82,"end":827.34,"sentiment":"neutral","sentiment_score":0.2377476426107543},{"text":"Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well.","start":827.34,"end":837.165,"sentiment":"neutral","sentiment_score":0.3106472360533337},{"text":"You still got quite a healthy portion to the defensive side of things with the the beta shares, bank hybrids, and across the the rest of the fund.","start":837.165,"end":845.13,"sentiment":"positive","sentiment_score":0.38069723546504974}],"sentiment":"neutral","sentiment_score":0.31139270859021767,"num_words":102,"start":818.62,"end":845.13},{"sentences":[{"text":"But in addition to that, we consider gold more of a growth asset, which it's disclosed as.","start":845.13,"end":849.39,"sentiment":"neutral","sentiment_score":0.17018531375181148},{"text":"You also, between the both of you as well, having that gold, it can act as a bit of a defensive portion as well with what's going on in the markets.","start":849.53,"end":856.25,"sentiment":"neutral","sentiment_score":0.27832842546124614},{"text":"But given what's happened in the past few years, obviously, it's done quite well and is considered a bit more of a growth asset currently.","start":856.25,"end":861.95496,"sentiment":"positive","sentiment_score":0.45884826958179475},{"text":"But in times of sort of people get a little bit more defensive, you know, Trump playing around in his tariff talks, people tend to go back to that hard currency a little bit there as well, which contributed to its price spike a little bit.","start":862.735,"end":872.99005,"sentiment":"neutral","sentiment_score":-0.2774755635663219},{"text":"As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything.","start":875.45,"end":884.01,"sentiment":"neutral","sentiment_score":0.13011495217680932}],"sentiment":"neutral","sentiment_score":0.09362177877078971,"num_words":144,"start":845.13,"end":884.01},{"sentences":[{"text":"But your table there is on page 27 in terms of the projections.","start":884.01,"end":888.695,"sentiment":"neutral","sentiment_score":0.19702059832903054},{"text":"Now for yourself, it'll save you roughly around $355 per annum in investment costs because your funds are fully consolidated there as well.","start":888.835,"end":897.335,"sentiment":"positive","sentiment_score":0.4648232719172602},{"text":"Obviously, Stuart insurance premiums coming out of that one in terms of the the cost that you do pay, but you can't really pay those as well.","start":897.635,"end":905.98,"sentiment":"neutral","sentiment_score":0.011464051764320445},{"text":"So that is state zero currently, but you are still paying those with the the current circumstances.","start":905.98,"end":911.695,"sentiment":"neutral","sentiment_score":-0.00940625325721853},{"text":"Now as I said, if you did wanna review those, if you decide to, you know, stay off work longer and not potentially go back to work as well with income protection and adjusting that for being a stay at home mother, those are all things we can look at as well for you.","start":912.155,"end":923.535,"sentiment":"neutral","sentiment_score":0.15861336334987922}],"sentiment":"neutral","sentiment_score":0.1639324458621776,"num_words":134,"start":884.01,"end":923.535},{"sentences":[{"text":"Okay.","start":926.235,"end":926.64,"sentiment":"neutral","sentiment_score":0.17612864077091217},{"text":"As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding from when we sent it.","start":927.44,"end":940.8,"sentiment":"neutral","sentiment_score":0.23501721632977327},{"text":"Do you still have a copy of that one?","start":940.8,"end":953.555,"sentiment":"neutral","sentiment_score":0.0077822575759556555},{"text":"Yep.","start":953.555,"end":954.055,"sentiment":"neutral","sentiment_score":0.063203826546669},{"text":"Not a problem.","start":954.115,"end":954.855,"sentiment":"neutral","sentiment_score":0.13599333663781485}],"sentiment":"neutral","sentiment_score":0.17654248375699602,"num_words":44,"start":926.235,"end":954.855},{"sentences":[{"text":"The snail mail can be a little bit unpredictable whether or not it makes it there or not.","start":955.075,"end":958.98,"sentiment":"neutral","sentiment_score":-0.19707532227039337},{"text":"But do you have access to a printer at all that you or you'd rather have it just sent in the mail?","start":958.98,"end":962.68,"sentiment":"neutral","sentiment_score":0.034332987683063206},{"text":"Do you have access to a printer?","start":962.74,"end":964.04,"sentiment":"neutral","sentiment_score":0.006944810040295124},{"text":"Yep.","start":966.18,"end":966.34,"sentiment":"neutral","sentiment_score":0.19098375737667084},{"text":"Because we can email a copy as well.","start":966.34,"end":968.34,"sentiment":"neutral","sentiment_score":0.23868582397699356}],"sentiment":"neutral","sentiment_score":-0.011481179506517947,"num_words":56,"start":955.075,"end":968.34},{"sentences":[{"text":"It'll still have to be printed in, like yep.","start":968.34,"end":970.485,"sentiment":"neutral","sentiment_score":0.14205273323588902},{"text":"Fine.","start":970.485,"end":970.725,"sentiment":"neutral","sentiment_score":0.26910457015037537},{"text":"No problem.","start":970.725,"end":972.185,"sentiment":"positive","sentiment_score":0.39402031898498535},{"text":"And as I said for yourself, Hassain, your one for Telstra Super will expire on the December 5.","start":973.125,"end":978.08496,"sentiment":"neutral","sentiment_score":0.1670726024442249},{"text":"So we could also just email you a copy of, like, how to redo that one and recomplete it when that does expire as well.","start":978.08496,"end":986.92,"sentiment":"neutral","sentiment_score":0.16401809304952622}],"sentiment":"neutral","sentiment_score":0.1716977995905009,"num_words":55,"start":968.34,"end":986.92},{"sentences":[{"text":"Perfect.","start":987.44,"end":987.94,"sentiment":"positive","sentiment_score":0.6523005962371826},{"text":"The next section on there is obviously in regards to a will and establishing a will.","start":988.48,"end":993.3,"sentiment":"neutral","sentiment_score":0.19687892403453588},{"text":"Now because you guys obviously, for one, have some joint assets together as well in addition to the child on the way.","start":993.83997,"end":1000.185,"sentiment":"neutral","sentiment_score":0.18742248178883034},{"text":"It is important to have, you know, a will set up in the event that anything did happen, and you can also future do those for expected children as well.","start":1000.185,"end":1008.445,"sentiment":"neutral","sentiment_score":0.24546467810869216},{"text":"Now it just means if anything did happen, it just means that they're they're distributed per your wishes.","start":1009.305,"end":1013.97,"sentiment":"neutral","sentiment_score":0.21967624872922897}],"sentiment":"neutral","sentiment_score":0.22119276782219438,"num_words":87,"start":987.44,"end":1013.97},{"sentences":[{"text":"In addition to that as well, it just means we'd like the way the properties are held and sort of vehicles, other sort of assets that family members want want and sort of things as well and gifting to other sort of things in writing.","start":1014.67,"end":1032.845,"sentiment":"neutral","sentiment_score":0.15468430519104004},{"text":"Now in addition to a power of attorney, this is another important one that you can do in conjunction with your will sort of in regards to medical reasons or not or financial.","start":1032.845,"end":1041.25,"sentiment":"neutral","sentiment_score":0.05658439964507565},{"text":"It just means that you're incapacitated in any way that the normally, your spouse has the power to make those decisions if it does kick in for whatever reason.","start":1041.25,"end":1049.11,"sentiment":"neutral","sentiment_score":-0.008212510753294518},{"text":"So they can either, for one, still pay bills, sign off on certain things, or in the event that sort of anything did happen medically that you know how you want to be dealt with, whether it's not, you know, pull the plug, things like that.","start":1049.41,"end":1061.2051,"sentiment":"neutral","sentiment_score":0.008129278643299704},{"text":"Whether it's in a pit on a document there as well, it just means that with that, it takes those hard decisions out of family members' hands in those sort of difficult times.","start":1061.8251,"end":1071.9801,"sentiment":"neutral","sentiment_score":0.028622846485990467}],"sentiment":"neutral","sentiment_score":0.053271058396065746,"num_words":186,"start":1014.67,"end":1071.9801},{"sentences":[{"text":"Perfect.","start":1074.6001,"end":1075.1001,"sentiment":"positive","sentiment_score":0.7861304879188538},{"text":"Now within regards to the remuneration and what we still get for for both of you there, it is dropped down to that 1.1 for that coupling fee that did come out as a result of your your last annual review.","start":1075.4801,"end":1087.115,"sentiment":"neutral","sentiment_score":0.2222193157890948},{"text":"So that's still in place.","start":1087.115,"end":1088.335,"sentiment":"neutral","sentiment_score":0.1760542333126068},{"text":"And then we still get 22% of the ongoing premiums of those insurances for maintaining those.","start":1088.635,"end":1094.015,"sentiment":"neutral","sentiment_score":0.2023283587768674},{"text":"Obviously, the one that you hold with your Super there, I think, that one is separate, and we don't get anything from that or that account.","start":1094.075,"end":1101.95,"sentiment":"neutral","sentiment_score":0.028610698681754563}],"sentiment":"neutral","sentiment_score":0.16582612930326146,"num_words":89,"start":1074.6001,"end":1101.95},{"sentences":[{"text":"It's just based on the funds you hold on the hub twenty four and the insurance policy with Neos there as well.","start":1101.95,"end":1107.01,"sentiment":"neutral","sentiment_score":0.08645650744438171},{"text":"Now the device as far as it's concerned is quite simple in terms of, like, retaining everything, slight roll up for your self esteem, and then adjusting those investments, and then just making sure that state planning matters are dealt with.","start":1108.67,"end":1120.965,"sentiment":"neutral","sentiment_score":0.23513522962244546},{"text":"Now in terms of, like, what does happen if you are happy with it, as I said, I've gone through this really quite quickly due to time, but feel free to have a read through, see if you have any questions or concerns.","start":1120.965,"end":1132.86,"sentiment":"neutral","sentiment_score":0.21940994851810988},{"text":"You also have a link to PDF links for all the the investment options if you do wanna review those and have a look at any of those.","start":1132.86,"end":1139.6001,"sentiment":"neutral","sentiment_score":0.18630788209182875},{"text":"And then if you were happy to and did sign, we'd obviously go in the back end and deal with those investment updates in addition to that role over there as well as far as the beneficiary forms that so if you have to complete and the the estate planning matters with, like, a will and a power of attorney is something you'll have to deal with or speak to a lawyer, which we can send through that referral to our trusted partner again.","start":1140.6649,"end":1162.7699,"sentiment":"neutral","sentiment_score":0.18729767912910097}],"sentiment":"neutral","sentiment_score":0.19232495922014253,"num_words":218,"start":1101.95,"end":1162.7699},{"sentences":[{"text":"But if you're happy sort of finding someone more local or someone a bit more trusted as well locally or family friend.","start":1162.7699,"end":1171.125,"sentiment":"neutral","sentiment_score":0.20029360123656012},{"text":"Yeah.","start":1171.505,"end":1171.6649,"sentiment":"neutral","sentiment_score":0.26139718294143677},{"text":"That's not a problem.","start":1171.6649,"end":1172.645,"sentiment":"positive","sentiment_score":0.37303321063518524},{"text":"But do you both have any questions in regards?","start":1173.105,"end":1175.505,"sentiment":"neutral","sentiment_score":0.11021544370386335},{"text":"As I said, really quite quick.","start":1175.505,"end":1176.7849,"sentiment":"neutral","sentiment_score":0.061205203334490456}],"sentiment":"neutral","sentiment_score":0.17902760633400508,"num_words":42,"start":1162.7699,"end":1176.7849},{"sentences":[{"text":"It didn't really touch on a whole heap of it, but just a very brief overview.","start":1176.7849,"end":1187.954,"sentiment":"neutral","sentiment_score":-0.021214007516391575},{"text":"Yep.","start":1188.638,"end":1189.138,"sentiment":"neutral","sentiment_score":0.05318354815244675},{"text":"So with that one, it can be direct like, request directly from your hub twenty four.","start":1189.822,"end":1196.025,"sentiment":"neutral","sentiment_score":0.06599668599665165},{"text":"You don't actually have to fill a form out for that one anymore.","start":1196.025,"end":1198.445,"sentiment":"neutral","sentiment_score":-0.0035099418690571417},{"text":"They don't actually accept hub twenty four.","start":1199.5449,"end":1201.3049,"sentiment":"neutral","sentiment_score":-0.12090485543012619}],"sentiment":"neutral","sentiment_score":-0.002306732612679589,"num_words":53,"start":1176.7849,"end":1201.3049},{"sentences":[{"text":"The forms, it is just done through the the platform itself.","start":1201.3049,"end":1204.605,"sentiment":"neutral","sentiment_score":0.030722201717170803},{"text":"If you were happy with everything, it'd just be based on the the last research that was done for your fund, and then that would press that amount so you still have $10,000 remaining there just to make sure that insurance premiums are paid.","start":1205.145,"end":1216.26,"sentiment":"neutral","sentiment_score":0.11845209449529648},{"text":"But given that your insurance premium cost isn't that high due to your employer paying for the IP portion and your contributions going in there, even if it was sort of fell a bit below the 10,000 next year anyway.","start":1216.26,"end":1233.5651,"sentiment":"neutral","sentiment_score":-0.11138769658282399},{"text":"No.","start":1237.9451,"end":1238.025,"sentiment":"neutral","sentiment_score":-0.030178677290678024},{"text":"But, like, Okie will do that for you in the back end there as well.","start":1238.025,"end":1241.52,"sentiment":"neutral","sentiment_score":0.039458051323890686}],"sentiment":"neutral","sentiment_score":0.014919104557987806,"num_words":111,"start":1201.3049,"end":1241.52},{"sentences":[{"text":"Yeah.","start":1241.52,"end":1242.02,"sentiment":"neutral","sentiment_score":0.08225436508655548},{"text":"Yeah.","start":1243.52,"end":1244.0,"sentiment":"neutral","sentiment_score":0.1433914452791214},{"text":"So if you were happy with everything and doing the consolidation, they'd do it at all in the back end and also the investment update there for you.","start":1244.0,"end":1250.9,"sentiment":"neutral","sentiment_score":0.22624801525047847},{"text":"Yeah.","start":1252.64,"end":1252.995,"sentiment":"neutral","sentiment_score":0.11896544694900511},{"text":"But as I said, very brief overview.","start":1253.075,"end":1254.695,"sentiment":"neutral","sentiment_score":0.12307689019611903}],"sentiment":"neutral","sentiment_score":0.19844983988686613,"num_words":38,"start":1241.52,"end":1254.695},{"sentences":[{"text":"How about yourself, Marty?","start":1255.235,"end":1256.595,"sentiment":"neutral","sentiment_score":0.17321386374533176},{"text":"Were you happy with every do you have any questions regarding that at the moment?","start":1256.595,"end":1259.395,"sentiment":"neutral","sentiment_score":0.1749378149708112},{"text":"Do you wanna take it home and have a bit of a read with it?","start":1259.395,"end":1262.295,"sentiment":"neutral","sentiment_score":0.011576485385497411},{"text":"No.","start":1266.115,"end":1266.355,"sentiment":"neutral","sentiment_score":0.02949248068034649},{"text":"That's not a problem at As I said, very brief overview, but it is quite a simple straightforward document there as well with regards to that investment update and just the estate planning matters.","start":1266.355,"end":1275.46,"sentiment":"neutral","sentiment_score":0.14928302179802866}],"sentiment":"neutral","sentiment_score":0.12457514756723591,"num_words":69,"start":1255.235,"end":1275.46},{"sentences":[{"text":"But feel free to have a a read through of all those advantages, disadvantages, and come back with any questions you might have.","start":1275.7599,"end":1281.94,"sentiment":"neutral","sentiment_score":0.18066271362097366},{"text":"I can let you know.","start":1283.045,"end":1283.845,"sentiment":"neutral","sentiment_score":0.18056062757968902},{"text":"Yeah.","start":1283.845,"end":1284.005,"sentiment":"neutral","sentiment_score":-0.011642346158623695},{"text":"So you can't currently do get linked on that hub 24.","start":1284.005,"end":1286.805,"sentiment":"neutral","sentiment_score":-0.08572688901966269},{"text":"You have already the coupling fee in place, and you have those ETPAs on file.","start":1286.805,"end":1291.925,"sentiment":"neutral","sentiment_score":-0.050087909772992135}],"sentiment":"neutral","sentiment_score":0.06094706871292808,"num_words":55,"start":1275.7599,"end":1291.925},{"sentences":[{"text":"So should you ever wanna call up and ask just, you know, where each other's account's right or just general queries as well, you're able to to do that with those forms in place?","start":1291.925,"end":1299.5,"sentiment":"neutral","sentiment_score":0.11594514932264299},{"text":"No problem.","start":1302.6001,"end":1303.24,"sentiment":"neutral","sentiment_score":0.2317299097776413},{"text":"Did you guys have any questions for me before I let you get back to your your busy days?","start":1303.24,"end":1307.42,"sentiment":"neutral","sentiment_score":0.10202015622666008},{"text":"No.","start":1312.04,"end":1312.3601,"sentiment":"neutral","sentiment_score":0.0952652245759964},{"text":"No problem, guys.","start":1312.3601,"end":1313.0801,"sentiment":"neutral","sentiment_score":0.18995425601800284}],"sentiment":"neutral","sentiment_score":0.11879840436375748,"num_words":59,"start":1291.925,"end":1313.0801},{"sentences":[{"text":"Well, good luck with everything.","start":1313.0801,"end":1314.465,"sentiment":"positive","sentiment_score":0.43686392307281496},{"text":"With the the last few months, I'm sure I'll get pretty hectic with preparing for everything.","start":1314.465,"end":1318.0651,"sentiment":"neutral","sentiment_score":-0.06547617726027966},{"text":"So if I don't speak to you soon, good luck.","start":1318.0651,"end":1320.865,"sentiment":"neutral","sentiment_score":0.008449305593967438},{"text":"And then, yeah, the best with everything.","start":1320.865,"end":1322.405,"sentiment":"neutral","sentiment_score":0.25392803869077135},{"text":"Thanks, guys.","start":1324.865,"end":1325.505,"sentiment":"positive","sentiment_score":0.6492684483528137}],"sentiment":"neutral","sentiment_score":0.10743067506700754,"num_words":40,"start":1313.0801,"end":1325.505},{"sentences":[{"text":"You too.","start":1325.505,"end":1325.905,"sentiment":"positive","sentiment_score":0.4230831414461136},{"text":"Bye.","start":1325.905,"end":1326.405,"sentiment":"neutral","sentiment_score":0.30831587314605713}],"sentiment":"positive","sentiment_score":0.3848273853460948,"num_words":3,"start":1325.505,"end":1326.405}]}}]},{"alternatives":[{"transcript":"Yes, mate. Thanks. Alright. You guys. Yeah. Thanks, man. See you. Bye. Yeah. Bye. Hello? Well, not too bad. How are you? Yes. Yes. Yes. Yeah. That's fine. Yeah. Yep. Yep. Just give me one sec. I'll I'll bring her in. One sec. Yes. She's with me. Yep. My name is Aseem Perinat Suril. Date of birth, 03/10/1985. Address is 82 Style Way, County 3029, Victoria. My full name is Marie Jose. Date of birth is 12/04/1983. Address is 82 Stylway, County 3029. Yeah. It is. Thank you. Thank you. Alright. Yeah. Yeah. Pretty much. Yeah. Yes. Yep. Uh-huh. Make it quick, please. Yep. Mhmm. Okay. Yep. Yes. Okay. That's I do it on on the Delta Super. Right? Not not with you. Alright. Yes. Sure. Yep. Mhmm. Yes. Okay. Yep. Yep. Mhmm. Yep. Mhmm. Okay. Yes. Yep. No. I I don't I I thought I sent completed and send it back. But if you could send me another form, I'll I'll try to get that I'll try to get that back to you. Yep. And I do have access to your printer. Yep. I can do that. Yeah. Yeah. Sure. Yep. Yep. Yep. Yep. Yep. Sure. No. That's that's fine. So the the rollover for my Telstra Super, so would you be sending something for that for to rollover the funds? Okay. So I have to do it in the portal? Is that okay. Alright. Okay. No worries. Alright. No worries. No. It's all good. No. Thank you. That's all good. No questions. Thank you. Just no worries. No. Thank thank you so much. Thank you so much for your time. Really appreciate it. Thank you. Thank you. Have a lovely day. Bye. Thanks. Thank you. 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please.","start":229.49501,"end":230.63501,"sentiment":"neutral","sentiment_score":0.2648858278989792},{"text":"Yep.","start":239.255,"end":239.755,"sentiment":"neutral","sentiment_score":0.10564839839935304},{"text":"Mhmm.","start":247.06999,"end":247.56999,"sentiment":"neutral","sentiment_score":-0.09605217725038528},{"text":"Okay.","start":328.30002,"end":328.80002,"sentiment":"neutral","sentiment_score":0.2207878977060318},{"text":"Yep.","start":355.88,"end":356.38,"sentiment":"neutral","sentiment_score":0.05063706263899803}],"sentiment":"neutral","sentiment_score":0.1675705616362393,"num_words":8,"start":229.49501,"end":356.38},{"sentences":[{"text":"Yes.","start":392.35498,"end":392.85498,"sentiment":"positive","sentiment_score":0.3445826768875122},{"text":"Okay.","start":439.71,"end":440.03,"sentiment":"neutral","sentiment_score":0.135024756193161},{"text":"That's I do it on on the Delta Super.","start":440.03,"end":443.55,"sentiment":"neutral","sentiment_score":0.17254535191588932},{"text":"Right?","start":443.55,"end":443.87,"sentiment":"neutral","sentiment_score":0.09457120299339294},{"text":"Not not with 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I don't I I thought I sent completed and send it back.","start":943.11,"end":947.27,"sentiment":"neutral","sentiment_score":-0.07642973243043973},{"text":"But if you could send me another form, I'll I'll try to get that I'll try to get that back to you.","start":947.27,"end":952.905,"sentiment":"neutral","sentiment_score":0.04863990318368782},{"text":"Yep.","start":961.465,"end":961.965,"sentiment":"neutral","sentiment_score":0.05778818577528},{"text":"And I do have access to your printer.","start":963.465,"end":965.565,"sentiment":"neutral","sentiment_score":0.07449401583289728}],"sentiment":"neutral","sentiment_score":0.014977411418739293,"num_words":45,"start":942.87,"end":965.565},{"sentences":[{"text":"Yep.","start":968.98004,"end":969.48004,"sentiment":"neutral","sentiment_score":0.14627030491828918},{"text":"I can do 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that's fine.","start":1179.835,"end":1181.855,"sentiment":"neutral","sentiment_score":0.02083924598991871},{"text":"So the the rollover for my Telstra Super, so would you be sending something for that for to rollover the funds?","start":1182.315,"end":1191.2949,"sentiment":"neutral","sentiment_score":0.039096991841991745},{"text":"Okay.","start":1234.72,"end":1234.96,"sentiment":"neutral","sentiment_score":0.011395459063351154}],"sentiment":"neutral","sentiment_score":0.036090210942482506,"num_words":27,"start":1170.18,"end":1234.96},{"sentences":[{"text":"So I have to do it in the portal?","start":1234.96,"end":1236.72,"sentiment":"neutral","sentiment_score":0.011615684669878747},{"text":"Is that 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worries.","start":1300.8451,"end":1301.8251,"sentiment":"neutral","sentiment_score":0.17067601283391318}],"sentiment":"neutral","sentiment_score":0.2551288449515899,"num_words":12,"start":1262.0901,"end":1301.8251},{"sentences":[{"text":"No.","start":1308.07,"end":1308.5499,"sentiment":"neutral","sentiment_score":0.059741441160440445},{"text":"Thank thank you so much.","start":1308.5499,"end":1309.4299,"sentiment":"positive","sentiment_score":0.5622621536254883},{"text":"Thank you so much for your time.","start":1309.4299,"end":1310.63,"sentiment":"positive","sentiment_score":0.7689448169299534},{"text":"Really appreciate it.","start":1310.63,"end":1311.85,"sentiment":"positive","sentiment_score":0.7085607250531515},{"text":"Thank you.","start":1321.5569,"end":1322.2969,"sentiment":"positive","sentiment_score":0.4489199221134186}],"sentiment":"positive","sentiment_score":0.6265104415102137,"num_words":18,"start":1308.07,"end":1322.2969},{"sentences":[{"text":"Thank you.","start":1322.5969,"end":1323.2369,"sentiment":"positive","sentiment_score":0.6547835469245911},{"text":"Have a lovely day.","start":1323.2369,"end":1324.4569,"sentiment":"positive","sentiment_score":0.7033603340387344},{"text":"Bye.","start":1324.5168,"end":1325.0168,"sentiment":"positive","sentiment_score":0.4113816916942597},{"text":"Thanks.","start":1325.7169,"end":1326.117,"sentiment":"positive","sentiment_score":0.5586107969284058},{"text":"Thank you.","start":1326.117,"end":1326.5969,"sentiment":"positive","sentiment_score":0.5544284880161285}],"sentiment":"positive","sentiment_score":0.6201857894659042,"num_words":10,"start":1322.5969,"end":1326.5969},{"sentences":[{"text":"Bye.","start":1326.5969,"end":1327.0969,"sentiment":"neutral","sentiment_score":-0.11500800400972366}],"sentiment":"neutral","sentiment_score":-0.11500800400972366,"num_words":1,"start":1326.5969,"end":1327.0969}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Yes, mate. Thanks. Alright. You guys. Yeah.\n\nThanks, man. See you. Bye. Yeah. Bye.\n\nHello?\n\nChannel 0: Good good afternoon, Hassim. It's Carl calling from Oakview Financial. How are you today?\n\nChannel 1: Well, not too bad. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I had yourself and Marty booked in for that joint presentation this afternoon.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Is now still\n\nChannel 1: Yes.\n\nChannel 0: a good time for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Is Marty available with you there as well at the\n\nChannel 1: Yeah.\n\nChannel 0: moment?\n\nChannel 1: Yep. Yep. Just give me one sec. I'll I'll bring her in. One sec.\n\nChannel 0: Not a problem.\n\nChannel 1: Yes. She's with me.\n\nChannel 0: Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that. So\n\nChannel 1: Yep. My name is Aseem Perinat Suril. Date of birth, 03/10/1985. Address is 82 Style Way, County 3029, Victoria.\n\nChannel 0: Perfect.\n\nChannel 1: My\n\nChannel 0: Brilliant.\n\nChannel 1: full name is Marie Jose. Date of birth is 12/04/1983. Address is 82 Stylway, County 3029.\n\nChannel 0: Perfect. Brilliant for that. Thanks for that, guys. So I know it has been a while since we last spoke. I believe it's the annual reviews where we were sort of happy with how things were tracked.\n\nWe were just gonna review things, and it was just on the back burner. Obviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document. In in saying that as well, it is a joint document there. Feel free after we have this phone call to have some time to to go through it. I know when you got booked in, they went through and confirmed a few of your details there.\n\nCongratulations on the the expectation of a a kid there at the end of next month, was it?\n\nChannel 1: Yeah. It is. Thank you. Thank you.\n\nChannel 0: Yeah. So that's exciting news. Something big that's occurring. So I'm assuming that the business owner is on a little bit of a back burner for the meantime.\n\nChannel 1: Alright. Yeah.\n\nChannel 0: Understandable. But as far as everything else, I know it seem you had a little bit of a pay bump there as well. There's the kid, obviously, but as far as everything else, generally, everything's unchanged from where we sort of confirmed all your last details?\n\nChannel 1: Yeah. Pretty much. Yeah.\n\nChannel 0: Perfect. Now as I said, when we originally went through this, we were just looking at just reviewing your investments. You were quite happy with the the fund itself, but I will go through the document. This will be going through to Asim for yourself. It will be to Asimpt@Outlook and Marty yours would be Martyj.p@Outlook.com, and that will\n\nChannel 1: Yes.\n\nChannel 0: be with you guys shortly. Now in\n\nChannel 1: Yep.\n\nChannel 0: this one here, it's a bit different, the Odoo to the DocuSign you've used previously. Similar sort of software. It just comes through in a bit of a different email. So your supporting documentation will be attachments in that. I have attached the statement advice as well as all your PDF documents to be able to look through as well and the Oakview financial services guide that has been updated there as well if you haven't received that copy and the Oakview services guide there as well.\n\nSo that will be with you there shortly. There is also then the link which takes you to the document itself. It's where you would be able to sign it if you were happy with everything. Now in regards to the signable document, it's just a statement of advice. And then for a team yourself, this is the tax file opt in form.\n\nI don't believe it was completed at your last annual review. It's basically just an update of where we store your tax file number and where they hold that on file. They just updated that form. So that's\n\nChannel 1: Uh-huh.\n\nChannel 0: what that form is there as well. So just let me know when that comes through and you have that up in front of you. Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time.\n\nChannel 1: Make it quick, please.\n\nChannel 0: Yeah. Understandable. So I'll get started on that. Obviously, there is a document created for you, yourself, Hassim, and Marty\n\nChannel 1: Yep.\n\nChannel 0: there in regards that it was prepared by myself, the team here as an authorized representative under the Oakview Financial Services license there as well. There is a\n\nChannel 1: Mhmm.\n\nChannel 0: best interest, Judy, that we can't put you in a better position. Obviously, we don't give advice. It's part of what we're bound by. Now in terms of the advice itself, I don't know. It it was a little while ago there.\n\nSo, obviously, thinking back a little bit there, we were just reviewing the superannuation side of things, the investments within that to see if it was still appropriate. Now since we did have that last previously discussion, we completed that e t p a. So you can talk about each other's accounts. In terms of, like, the coupling fees and linking of hub twenty four, that has been all completed in the back end in the time since we last spoke. And then, obviously, we have referred you under a few of our partners there in regards to the Oakview sort of strategic alliance there in terms of trusted partners, whether or not you took up QCA's services or the lawyer services there at the time.\n\nThat was completely up to you. And then in regards to that as well, we just touched on the estate planning side of things, which is included in the document here. Now as far as things that we've touched on, we're aware of, we're a bit of accountability partners for now. Your insurances, you're happy with how they're currently. We didn't review those at this time.\n\nYour budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child. We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well. If\n\nChannel 1: Okay.\n\nChannel 0: you'd like that to be sent through, you can utilize for your own purposes. It is sort of edible. It is just an Excel spreadsheet, but it just makes everything nice and pretty on paper. In terms of the debt management, obviously, you've got the primary residence there that you're looking to pay down. We're not doing anything in regards to that.\n\nAnd then for a future reference, potentially, you wanna look at salary sacrifice, but not at this time, and then investment property down the track there as well. But that's all sort of later stage. So at\n\nChannel 1: Yep.\n\nChannel 0: the moment, just looking at that super insurance and then also a little bit of travel and the the business there that you were potentially starting up, that's all scoped out of this advice piece. Now in terms of the advice itself, it is quite simple. Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features. I'm not too sure how much you guys go on and play around with it. But it is quite good compared to some alternatives there.\n\nIn addition to that one, you do also have the family linking not only with OQ, but with Hub twenty four, which lowers those administration fees, which lowers those overall costs as well. So we are recommending\n\nChannel 1: Yes.\n\nChannel 0: you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments. In addition to that one there as well, looking at Marty, I know we sent you off the NEOS form for the beneficiary because that one didn't come back. I don't believe it still has come back, so that is still outstanding for the beneficiary side of things. And then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December. So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things.\n\nChannel 1: Okay. That's\n\nChannel 0: Yep.\n\nChannel 1: I do it on on the Delta Super. Right? Not not with you.\n\nChannel 0: We can get you a form if you'd like, or, yeah, you can do it on the the Telstra super. I'm not too sure from memory if they allow you to do it without the signatories. But if they do, you'd have to do the form. But we can get you a copy of the form once you get the close to the date there as well if you'd like.\n\nChannel 1: Alright. Yes. Sure.\n\nChannel 0: Perfect. And then, obviously, you know, especially with the kid on the way as well, establishing, like, a will of power of attorney, getting your estate planning matters just sorted. So in the event that anything did happen, that nothing sort of out in the question. Now on page eight there, you'll see your details, the about you section for you both. In addition, the next page over you see the assets and liabilities side of things.\n\nNow on the the page over on page 10, you'll see where you're currently held in terms of your balances, in terms of where insurances are held. Now for yourself, Asim, you do have that IP paid through work and then the life and TPD as well. Now we're looking at still retaining that due to the the cost and getting obviously a benefit portion paid by your employer. And then you still got that top up. We're keeping that there as well for yourself, mate.\n\nYou still got those New Year's insurances for the life, TPD, and income protection as well. Even with being on maternity leave, you can look at potentially pausing it. But even if you are intending to return back to work within that that twelve months, likely, we're just gonna keep those active in the event that you obviously do return as well in that time period as opposed to having it switched off in that time.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: As far as the risk profile goes, I see him you scored the high growth. Marty, you did score growth, which is a little bit below what you're currently invested, but after some discussions, you were happy with the high growth. So currently, both the recommendations sit around that ninety ten split, about 90% growth assets, about 10% defensive. But I'll let you guys have a read through about bit more about high growth and what that means. Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four.\n\nNow by maintaining the the hub twenty four fund, obviously, of the additional benefits, those aggregate trading, the linking between your two accounts, in addition to that one there, you don't have to realize any capital gains and underlying in addition with hub twenty four still being quite a good product in the market compared to the alternatives. So if you look on page 15 there, you'll be able to see the breakdown of approximately 31,000 of your Telstra Super will go into the hub 24, and then it'll be reinvested in line with the investments that are recommended.\n\nChannel 1: Yes.\n\nChannel 0: So on page 18 there, you'll see the breakdown of that in the sales and the buyers. Now your portfolio currently was a little bit tech focused as well. Now about half of that's done really, really well, and then the other half did well. And then started this year, I'm not too sure if you're paying much attention, but AI and just the markets in general have taken a little bit of a dive. So we're looking at diversifying that a little bit and still having some allocation to the cybersecurity side of things with the beta shares hack and then also just moving it more in line with where we're sort of going as a company with the investment direction.\n\nNow with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in. Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio. Because you are quite heavily invested in that active portion, it did take quite a a bit of a hit with that one. But moving forward, you won't have that active portion, and you'll actually be a lower ongoing cost in terms of, like, investment fees, if that makes sense\n\nChannel 1: Okay.\n\nChannel 0: for you there, Asteem. Now in terms of, like, the allocation to growth versus defensive, you'll have slightly higher in terms of having a bit more allocation to growth, but you won't have that active manager risk, and you'll have a bit more diversification across the investments you hold. You won't have quite a higher allocation towards any sort of singular asset apart from the S and P 500, which is that index fund. That's the top 500 companies in America, which are quite strong historically.\n\nChannel 1: Yep.\n\nChannel 0: Now in terms of the breakdown of that and the projection of that, obviously, projections are based on this time, the three year rolling average just due to the the funds there and how long they've existed for. But a three year rolling average, and that sort of highlights what that change may look like. Now the key figures there are mainly the investment fee. Now consolidating the funds down to closer to one fund more so, you lower those fees of holding across two accounts. In addition to that one, you also lower the investment fees of having between the the two funds in the active portion versus that passive portion.\n\nSo you will be saving on that one. With that one with projected growth, it does mean the adviser fee does jump up a little bit, but that's just based on those higher returns because, obviously, those indexes have been doing quite well for the past three years. But, obviously, returns are sort of calculated on that, but nothing's gonna replicate year on year on year. So it's to be taken with the grain of salt, as I said, but it gives you a bit of an idea of what that may look like. But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. For yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund. Now moving forward as well, we are recommending the same update to this new portfolio here. As I said to Asim, there is well maintaining that hub twenty four. You keep your linking between your two accounts.\n\nIt's lower administration costs, which aren't actually disclosed. And this the the fees for hub twenty four will actually come down lower than what I projected. We just project the higher amount. But having those accounts link, it links those funds as well. Now\n\nChannel 1: Mhmm.\n\nChannel 0: with yourself being off work for a little bit of time as well, you know, staying home, caring for the above for how long you're sort of off, it'll also reduce those costs moving forward for your investments and why you're not having contributions and going in as well. That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So as I said, yeah, very similar funds from when you first came on board there. But with that, we're both really looking updating to the the same investment fund. Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well. You still got quite a healthy portion to the defensive side of things with the the beta shares, bank hybrids, and across the the rest of the fund.\n\nBut in addition to that, we consider gold more of a growth asset, which it's disclosed as. You also, between the both of you as well, having that gold, it can act as a bit of a defensive portion as well with what's going on in the markets. But given what's happened in the past few years, obviously, it's done quite well and is considered a bit more of a growth asset currently. But in times of sort of people get a little bit more defensive, you know, Trump playing around in his tariff talks, people tend to go back to that hard currency a little bit there as well, which contributed to its price spike a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything. But your table there is on page 27 in terms of the projections. Now for yourself, it'll save you roughly around $355 per annum in investment costs because your funds are fully consolidated there as well. Obviously, Stuart insurance premiums coming out of that one in terms of the the cost that you do pay, but you can't really pay those as well. So that is state zero currently, but you are still paying those with the the current circumstances.\n\nNow as I said, if you did wanna review those, if you decide to, you know, stay off work longer and not potentially go back to work as well with income protection and adjusting that for being a stay at home mother, those are all things we can look at as well for you.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Okay. As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding\n\nChannel 1: Yep.\n\nChannel 0: from when we sent it. Do you still have a copy of that\n\nChannel 1: No. I I don't I I thought I sent completed and send it back. But if you could send me another form, I'll I'll try to get that I'll try to get that back to you.\n\nChannel 0: one? Yep. Not a problem. The snail mail can be a little bit unpredictable whether or not it makes it there or not. But do you have access to a printer at all that you or you'd rather have it\n\nChannel 1: Yep.\n\nChannel 0: just sent in the mail? Do you have access to a\n\nChannel 1: And\n\nChannel 0: printer?\n\nChannel 1: I do have access to your printer.\n\nChannel 0: Yep. Because we can email a copy as well. It'll still have to\n\nChannel 1: Yep.\n\nChannel 0: be printed in, like yep. Fine. No\n\nChannel 1: I\n\nChannel 0: problem.\n\nChannel 1: can do that.\n\nChannel 0: And as I said for yourself, Hassain, your one for Telstra Super will expire on the December 5. So we could also just email you a copy of, like, how to redo that one and recomplete\n\nChannel 1: Yeah.\n\nChannel 0: it when that does expire\n\nChannel 1: Yeah. Sure.\n\nChannel 0: as well. Perfect. The next section on there is obviously in regards to a will and establishing a will. Now because you guys obviously, for one, have some joint assets together as well in addition to the child on the way. It is important to have, you know, a will set up in the event that anything did happen, and you can also future do those for expected children as well.\n\nNow it just means if anything did happen, it just means that they're they're distributed per your wishes. In addition to that as well, it just means we'd like the way the properties are held and sort of vehicles, other sort of assets that family members want want and sort of things as well and gifting to other sort of things in\n\nChannel 1: Yep.\n\nChannel 0: writing. Now in addition to a power of attorney, this is another important one that you can do in conjunction with your will sort of in regards to medical reasons or not or financial. It just means that you're incapacitated in any way that the normally, your spouse has the power to make those decisions if it does kick in for whatever reason. So they can either, for one, still pay bills, sign off on certain things, or in the event that sort of anything did happen medically that you know how you want to be dealt with, whether it's not, you know, pull the plug, things like that. Whether it's in a pit on a document there as well, it just means that with that, it takes those hard decisions out of family members' hands in those sort of difficult times.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now within regards to the remuneration and what we still get for for both of you there, it is dropped down to that 1.1 for that coupling fee that did come out as a result of your your last annual review. So that's still in place. And then we still get 22% of the ongoing premiums of those insurances for maintaining those. Obviously, the one that you hold with your Super there, I think, that one is separate, and we don't get anything from that or that account.\n\nIt's just based on the funds you hold on the hub twenty four and the insurance policy with Neos there as well.\n\nChannel 1: Yep.\n\nChannel 0: Now the device as far as it's concerned is quite simple in terms of, like, retaining everything, slight roll up for your self esteem, and then adjusting those investments, and then just making sure that state planning matters are dealt with. Now in terms of, like, what does happen if you are happy with it, as I said, I've gone through this really quite quickly due to time, but feel free to have a read through, see if you have any questions or concerns. You also have a link to PDF links for all the the investment options if you do wanna review those and have a look at any of those.\n\nChannel 1: Yep.\n\nChannel 0: And then if you were happy to and did sign, we'd obviously go in the back end and deal with those investment updates in addition to that role over there as well as far as the beneficiary forms that so if you have to complete and the the estate planning matters with, like, a will and a power of attorney is something you'll have to deal with or speak to a lawyer, which we can send through that referral to our trusted partner again. But if you're happy sort of finding someone more local or someone a bit more trusted as well locally or family\n\nChannel 1: Yep. Sure.\n\nChannel 0: friend. Yeah. That's not a problem. But do you both have any questions in regards? As I said, really quite quick.\n\nIt didn't really touch on a whole heap of it, but just a\n\nChannel 1: No.\n\nChannel 0: very\n\nChannel 1: That's that's fine. So the the rollover for my Telstra Super, so\n\nChannel 0: brief\n\nChannel 1: would you be sending something\n\nChannel 0: overview. Yep.\n\nChannel 1: for that for\n\nChannel 0: So\n\nChannel 1: to rollover the funds?\n\nChannel 0: with that one, it can be direct like, request directly from your hub twenty four. You don't actually have to fill a form out for that one anymore. They don't actually accept hub twenty four. The forms, it is just done through the the platform itself. If you were happy with everything, it'd just be based on the the last research that was done for your fund, and then that would press that amount so you still have $10,000 remaining there just to make sure that insurance premiums are paid.\n\nBut given that your insurance premium cost isn't that high due to your employer paying for the IP portion and your contributions going in there, even if it was sort of fell a bit below the 10,000 next year anyway.\n\nChannel 1: Okay. So I have to do it in the portal? Is that\n\nChannel 0: No. But, like, Okie will do that for you in the back\n\nChannel 1: okay.\n\nChannel 0: end there as well.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yeah. So if you were happy with everything and doing the consolidation, they'd do it at all in the back end and also the investment update there for you.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Yeah. But as I said, very brief overview. How about yourself, Marty? Were you happy with every do you have any questions regarding that at the moment? Do you wanna take it home\n\nChannel 1: No.\n\nChannel 0: and have a\n\nChannel 1: It's\n\nChannel 0: bit of a read\n\nChannel 1: all\n\nChannel 0: with\n\nChannel 1: good.\n\nChannel 0: it?\n\nChannel 1: No. Thank you. That's all good. No questions. Thank you.\n\nChannel 0: No. That's not a problem at As I said, very brief overview, but it is quite a simple straightforward document there as well with regards to that investment update and just the estate planning matters. But feel free to have a a read through of all those advantages, disadvantages, and come back with any questions you might have. I can let you know. Yeah.\n\nSo you can't currently do get linked on that hub 24. You have already the coupling fee in place, and you have those ETPAs on file. So should you ever wanna call up and ask just, you know, where each other's account's right or just general queries as well, you're able to to do that with those forms in place?\n\nChannel 1: Just no worries.\n\nChannel 0: No problem. Did you guys have any questions for me before I let you get back to your your busy days?\n\nChannel 1: No. Thank thank you so much. Thank you so much for your time. Really appreciate it.\n\nChannel 0: No. No problem, guys. Well, good luck with everything. With the the last few months, I'm sure I'll get pretty hectic with preparing for everything. So if I don't speak to you soon, good luck.\n\nAnd then, yeah, the\n\nChannel 1: Thank\n\nChannel 0: best\n\nChannel 1: you.\n\nChannel 0: with everything.\n\nChannel 1: Thank you. Have a lovely day. Bye.\n\nChannel 0: Thanks, guys. You too.\n\nChannel 1: Thanks.\n\nChannel 0: Bye.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Yes, mate.","start":0.08,"end":0.48,"sentiment":"neutral","sentiment_score":0.258000411093235},{"text":"Thanks.","start":0.48,"end":0.71999997,"sentiment":"positive","sentiment_score":0.5232597589492798},{"text":"Alright.","start":0.71999997,"end":1.04,"sentiment":"neutral","sentiment_score":0.3001759648323059},{"text":"You guys.","start":1.04,"end":1.52,"sentiment":"positive","sentiment_score":0.3745384067296982},{"text":"Yeah.","start":1.52,"end":1.92,"sentiment":"neutral","sentiment_score":0.2974293529987335}],"sentiment":"positive","sentiment_score":0.3408489589180265,"channel":1,"num_words":7,"start":0.08,"end":1.92},{"sentences":[{"text":"Thanks, man.","start":1.92,"end":2.32,"sentiment":"positive","sentiment_score":0.531163364648819},{"text":"See you.","start":2.32,"end":2.6399999,"sentiment":"positive","sentiment_score":0.3625487834215164},{"text":"Bye.","start":2.6399999,"end":2.7466667,"sentiment":"neutral","sentiment_score":0.2079094648361206},{"text":"Yeah.","start":2.7466667,"end":2.8533332,"sentiment":"neutral","sentiment_score":0.1248711794614792},{"text":"Bye.","start":2.8533332,"end":2.96,"sentiment":"neutral","sentiment_score":0.12992697954177856}],"sentiment":"neutral","sentiment_score":0.321447417140007,"channel":1,"num_words":7,"start":1.92,"end":2.96},{"sentences":[{"text":"Hello?","start":2.96,"end":3.46,"sentiment":"neutral","sentiment_score":0.13739816844463348}],"sentiment":"neutral","sentiment_score":0.13739816844463348,"channel":1,"num_words":1,"start":2.96,"end":3.46},{"sentences":[{"text":"Good good afternoon, Hassim.","start":4.96,"end":6.3199997,"sentiment":"positive","sentiment_score":0.4584580361843109},{"text":"It's Carl calling from Oakview Financial.","start":6.3199997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.21948659916718802},{"text":"How are you today?","start":7.9199996,"end":8.74,"sentiment":"neutral","sentiment_score":0.2568873055279255}],"sentiment":"neutral","sentiment_score":0.29845006870371954,"channel":0,"num_words":14,"start":4.96,"end":8.74},{"sentences":[{"text":"Well, not too bad.","start":8.8,"end":9.679999,"sentiment":"neutral","sentiment_score":0.19217616692185402},{"text":"How are you?","start":9.679999,"end":10.42,"sentiment":"neutral","sentiment_score":0.17790767550468445}],"sentiment":"neutral","sentiment_score":0.1860610991716385,"channel":1,"num_words":7,"start":8.8,"end":10.42},{"sentences":[{"text":"Yeah.","start":10.4,"end":10.719999,"sentiment":"neutral","sentiment_score":0.13340255618095398},{"text":"Not too bad at all.","start":10.719999,"end":11.36,"sentiment":"neutral","sentiment_score":0.22484105825424194},{"text":"Thanks for asking.","start":11.36,"end":12.0,"sentiment":"positive","sentiment_score":0.5620845357577006},{"text":"I had yourself and Marty booked in for that joint presentation this afternoon.","start":12.0,"end":15.565,"sentiment":"neutral","sentiment_score":0.2105537893680426}],"sentiment":"neutral","sentiment_score":0.25823003256862814,"channel":0,"num_words":22,"start":10.4,"end":15.565},{"sentences":[{"text":"Yes.","start":16.265,"end":16.665,"sentiment":"neutral","sentiment_score":0.10670064389705658},{"text":"Yes.","start":16.665,"end":17.165,"sentiment":"neutral","sentiment_score":0.09761086106300354}],"sentiment":"neutral","sentiment_score":0.10215575248003006,"channel":1,"num_words":2,"start":16.265,"end":17.165},{"sentences":[{"text":"Is now still","start":17.625,"end":18.345,"sentiment":"neutral","sentiment_score":0.08534085005521774}],"sentiment":"neutral","sentiment_score":0.08534085005521774,"channel":0,"num_words":3,"start":17.625,"end":18.345},{"sentences":[{"text":"Yes.","start":18.225,"end":18.725,"sentiment":"neutral","sentiment_score":0.13095223903656006}],"sentiment":"neutral","sentiment_score":0.13095223903656006,"channel":1,"num_words":1,"start":18.225,"end":18.725},{"sentences":[{"text":"a good time for you?","start":18.345,"end":19.324999,"sentiment":"neutral","sentiment_score":0.19592115581035613}],"sentiment":"neutral","sentiment_score":0.19592115581035613,"channel":0,"num_words":5,"start":18.345,"end":19.324999},{"sentences":[{"text":"Yeah.","start":19.785,"end":20.025,"sentiment":"neutral","sentiment_score":0.1499508023262024},{"text":"That's fine.","start":20.025,"end":20.685,"sentiment":"neutral","sentiment_score":0.22846350818872452}],"sentiment":"neutral","sentiment_score":0.20229260623455048,"channel":1,"num_words":3,"start":19.785,"end":20.685},{"sentences":[{"text":"Perfect.","start":21.945,"end":22.345,"sentiment":"positive","sentiment_score":0.39111265540122986},{"text":"Is Marty available with you there as well at the","start":22.345,"end":24.744999,"sentiment":"neutral","sentiment_score":0.10436481907963753}],"sentiment":"neutral","sentiment_score":0.1304328041997823,"channel":0,"num_words":11,"start":21.945,"end":24.744999},{"sentences":[{"text":"Yeah.","start":24.665,"end":25.064999,"sentiment":"neutral","sentiment_score":0.06130947917699814}],"sentiment":"neutral","sentiment_score":0.06130947917699814,"channel":1,"num_words":1,"start":24.665,"end":25.064999},{"sentences":[{"text":"moment?","start":24.744999,"end":25.244999,"sentiment":"neutral","sentiment_score":0.057532720267772675}],"sentiment":"neutral","sentiment_score":0.057532720267772675,"channel":0,"num_words":1,"start":24.744999,"end":25.244999},{"sentences":[{"text":"Yep.","start":25.064999,"end":25.384998,"sentiment":"neutral","sentiment_score":0.04355696588754654},{"text":"Yep.","start":25.384998,"end":25.705,"sentiment":"neutral","sentiment_score":0.03891295939683914},{"text":"Just give me one sec.","start":25.705,"end":26.825,"sentiment":"neutral","sentiment_score":0.03272501453757286},{"text":"I'll I'll bring her in.","start":26.825,"end":29.13,"sentiment":"neutral","sentiment_score":0.03631140664219856},{"text":"One sec.","start":29.13,"end":29.949999,"sentiment":"neutral","sentiment_score":0.02348590362817049}],"sentiment":"neutral","sentiment_score":0.033901702745684555,"channel":1,"num_words":14,"start":25.064999,"end":29.949999},{"sentences":[{"text":"Not a problem.","start":31.240002,"end":31.980001,"sentiment":"neutral","sentiment_score":0.10239767531553905}],"sentiment":"neutral","sentiment_score":0.10239767531553905,"channel":0,"num_words":3,"start":31.240002,"end":31.980001},{"sentences":[{"text":"Yes.","start":46.835,"end":47.075,"sentiment":"neutral","sentiment_score":0.10472147166728972},{"text":"She's with me.","start":47.075,"end":48.055,"sentiment":"neutral","sentiment_score":0.09201472004254659}],"sentiment":"neutral","sentiment_score":0.09519140794873238,"channel":1,"num_words":4,"start":46.835,"end":48.055},{"sentences":[{"text":"Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that.","start":50.295,"end":58.43,"sentiment":"neutral","sentiment_score":0.132145620368678},{"text":"So","start":58.43,"end":58.51,"sentiment":"neutral","sentiment_score":0.06809128820896149}],"sentiment":"neutral","sentiment_score":0.1300104759633541,"channel":0,"num_words":30,"start":50.295,"end":58.51},{"sentences":[{"text":"Yep.","start":59.31,"end":59.81,"sentiment":"neutral","sentiment_score":0.05565337464213371},{"text":"My name is Aseem Perinat Suril.","start":59.95,"end":61.89,"sentiment":"neutral","sentiment_score":0.053749888514479004},{"text":"Date of birth, 03/10/1985.","start":62.27,"end":64.590004,"sentiment":"neutral","sentiment_score":0.0349557432346046},{"text":"Address is 82 Style Way, County 3029, Victoria.","start":64.590004,"end":68.555,"sentiment":"neutral","sentiment_score":0.05374619457870722}],"sentiment":"neutral","sentiment_score":0.0498918544893202,"channel":1,"num_words":19,"start":59.31,"end":68.555},{"sentences":[{"text":"Perfect.","start":69.564995,"end":69.965,"sentiment":"neutral","sentiment_score":0.28473061323165894}],"sentiment":"neutral","sentiment_score":0.28473061323165894,"channel":0,"num_words":1,"start":69.564995,"end":69.965},{"sentences":[{"text":"My","start":69.895,"end":70.395,"sentiment":"neutral","sentiment_score":0.19488495588302612}],"sentiment":"neutral","sentiment_score":0.19488495588302612,"channel":1,"num_words":1,"start":69.895,"end":70.395},{"sentences":[{"text":"Brilliant.","start":69.965,"end":70.465,"sentiment":"neutral","sentiment_score":0.2265331745147705}],"sentiment":"neutral","sentiment_score":0.2265331745147705,"channel":0,"num_words":1,"start":69.965,"end":70.465},{"sentences":[{"text":"full name is Marie Jose.","start":71.175,"end":72.635,"sentiment":"neutral","sentiment_score":0.18474108576774598},{"text":"Date of birth is 12/04/1983.","start":72.935,"end":75.335,"sentiment":"neutral","sentiment_score":0.10554375648498535},{"text":"Address is 82 Stylway, County 3029.","start":75.335,"end":78.555,"sentiment":"neutral","sentiment_score":0.1034598449865977}],"sentiment":"neutral","sentiment_score":0.12951145507395267,"channel":1,"num_words":16,"start":71.175,"end":78.555},{"sentences":[{"text":"Perfect.","start":79.43,"end":79.75,"sentiment":"positive","sentiment_score":0.5097115635871887},{"text":"Brilliant for that.","start":79.75,"end":80.31,"sentiment":"positive","sentiment_score":0.6019501884778341},{"text":"Thanks for that, guys.","start":80.31,"end":81.21,"sentiment":"positive","sentiment_score":0.6105454117059708},{"text":"So I know it has been a while since we last spoke.","start":81.67,"end":84.31,"sentiment":"neutral","sentiment_score":0.03035521289954583},{"text":"I believe it's the annual reviews where we were sort of happy with how things were tracked.","start":84.31,"end":88.07,"sentiment":"neutral","sentiment_score":0.08105469341663753}],"sentiment":"neutral","sentiment_score":0.17567394915464762,"channel":0,"num_words":37,"start":79.43,"end":88.07},{"sentences":[{"text":"We were just gonna review things, and it was just on the back burner.","start":88.07,"end":90.63,"sentiment":"neutral","sentiment_score":-0.16775674053600856},{"text":"Obviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document.","start":90.63,"end":95.985,"sentiment":"neutral","sentiment_score":-0.14165505456427732},{"text":"In in saying that as well, it is a joint document there.","start":97.565,"end":100.285,"sentiment":"neutral","sentiment_score":-0.009300167361895243},{"text":"Feel free after we have this phone call to have some time to to go through it.","start":100.285,"end":103.40501,"sentiment":"neutral","sentiment_score":0.14452037478194518},{"text":"I know when you got booked in, they went through and confirmed a few of your details there.","start":103.40501,"end":106.525,"sentiment":"neutral","sentiment_score":0.19705053067041767}],"sentiment":"neutral","sentiment_score":0.0016922145643654988,"channel":0,"num_words":85,"start":88.07,"end":106.525},{"sentences":[{"text":"Congratulations on the the expectation of a a kid there at the end of next month, was it?","start":106.525,"end":111.95,"sentiment":"positive","sentiment_score":0.4658625059657627}],"sentiment":"positive","sentiment_score":0.4658625059657627,"channel":0,"num_words":18,"start":106.525,"end":111.95},{"sentences":[{"text":"Yeah.","start":112.14,"end":112.54,"sentiment":"neutral","sentiment_score":0.16225332021713257},{"text":"It is.","start":112.54,"end":112.86,"sentiment":"neutral","sentiment_score":0.24131714552640915},{"text":"Thank you.","start":112.86,"end":113.5,"sentiment":"positive","sentiment_score":0.4785620868206024},{"text":"Thank you.","start":113.5,"end":114.24,"sentiment":"positive","sentiment_score":0.5126218795776367}],"sentiment":"positive","sentiment_score":0.37532222058091846,"channel":1,"num_words":7,"start":112.14,"end":114.24},{"sentences":[{"text":"Yeah.","start":113.93,"end":114.33,"sentiment":"neutral","sentiment_score":0.30241477489471436},{"text":"So that's exciting news.","start":114.33,"end":116.189995,"sentiment":"positive","sentiment_score":0.4060635268688202},{"text":"Something big that's occurring.","start":116.33,"end":117.45,"sentiment":"neutral","sentiment_score":0.08426646376028657},{"text":"So I'm assuming that the business owner is on a little bit of a back burner for the meantime.","start":117.45,"end":121.07,"sentiment":"neutral","sentiment_score":-0.2950144057211123}],"sentiment":"neutral","sentiment_score":-0.11934067754607115,"channel":0,"num_words":28,"start":113.93,"end":121.07},{"sentences":[{"text":"Alright.","start":121.204994,"end":121.704994,"sentiment":"neutral","sentiment_score":0.06227655336260795},{"text":"Yeah.","start":121.924995,"end":122.424995,"sentiment":"neutral","sentiment_score":0.12699922919273376}],"sentiment":"neutral","sentiment_score":0.09463789127767086,"channel":1,"num_words":2,"start":121.204994,"end":122.424995},{"sentences":[{"text":"Understandable.","start":123.905,"end":124.405,"sentiment":"neutral","sentiment_score":0.18321822583675385},{"text":"But as far as everything else, I know it seem you had a little bit of a pay bump there as well.","start":125.265,"end":130.005,"sentiment":"neutral","sentiment_score":-0.13155931065028365},{"text":"There's the kid, obviously, but as far as everything else, generally, everything's unchanged from where we sort of confirmed all your last details?","start":130.22499,"end":136.64,"sentiment":"neutral","sentiment_score":-0.03677895891925563}],"sentiment":"neutral","sentiment_score":-0.07732614486113838,"channel":0,"num_words":46,"start":123.905,"end":136.64},{"sentences":[{"text":"Yeah.","start":137.15001,"end":137.47,"sentiment":"neutral","sentiment_score":0.12564167380332947},{"text":"Pretty much.","start":137.47,"end":138.19,"sentiment":"neutral","sentiment_score":0.24508880823850632},{"text":"Yeah.","start":138.19,"end":138.69,"sentiment":"positive","sentiment_score":0.4196035861968994}],"sentiment":"neutral","sentiment_score":0.2588557191193104,"channel":1,"num_words":4,"start":137.15001,"end":138.69},{"sentences":[{"text":"Perfect.","start":138.86,"end":139.36,"sentiment":"positive","sentiment_score":0.6680909991264343},{"text":"Now as I said, when we originally went through this, we were just looking at just reviewing your investments.","start":139.98,"end":145.34,"sentiment":"neutral","sentiment_score":0.1500151165221867},{"text":"You were quite happy with the the fund itself, but I will go through the document.","start":145.34,"end":148.54,"sentiment":"positive","sentiment_score":0.3516558101400733},{"text":"This will be going through to Asim for yourself.","start":148.54,"end":151.25499,"sentiment":"neutral","sentiment_score":0.19325101872285208},{"text":"It will be to Asimpt@Outlook and Marty yours would be Martyj.p@Outlook.com, and that will","start":151.25499,"end":159.655,"sentiment":"neutral","sentiment_score":0.13242729593600547}],"sentiment":"neutral","sentiment_score":0.21590021164235423,"channel":0,"num_words":59,"start":138.86,"end":159.655},{"sentences":[{"text":"Yes.","start":159.535,"end":160.035,"sentiment":"neutral","sentiment_score":0.2740911543369293}],"sentiment":"neutral","sentiment_score":0.2740911543369293,"channel":1,"num_words":1,"start":159.535,"end":160.035},{"sentences":[{"text":"be with you guys shortly.","start":159.655,"end":160.875,"sentiment":"neutral","sentiment_score":0.25808501839637754},{"text":"Now in","start":161.655,"end":162.135,"sentiment":"neutral","sentiment_score":0.022542893886566162}],"sentiment":"neutral","sentiment_score":0.19078726853643144,"channel":0,"num_words":7,"start":159.655,"end":162.135},{"sentences":[{"text":"Yep.","start":162.095,"end":162.595,"sentiment":"neutral","sentiment_score":0.023714784532785416}],"sentiment":"neutral","sentiment_score":0.023714784532785416,"channel":1,"num_words":1,"start":162.095,"end":162.595},{"sentences":[{"text":"this one here, it's a bit different, the Odoo to the DocuSign you've used previously.","start":162.135,"end":166.65999,"sentiment":"neutral","sentiment_score":0.00924895132581393},{"text":"Similar sort of software.","start":166.87999,"end":168.09999,"sentiment":"neutral","sentiment_score":-0.0031649572774767876},{"text":"It just comes through in a bit of a different email.","start":168.23999,"end":170.0,"sentiment":"neutral","sentiment_score":0.005146663974631916},{"text":"So your supporting documentation will be attachments in that.","start":170.0,"end":173.04,"sentiment":"neutral","sentiment_score":0.04701278648442692},{"text":"I have attached the statement advice as well as all your PDF documents to be able to look through as well and the Oakview financial services guide that has been updated there as well if you haven't received that copy and the Oakview services guide there as well.","start":173.04,"end":184.105,"sentiment":"neutral","sentiment_score":0.10141598619520664}],"sentiment":"neutral","sentiment_score":0.06291689839342544,"channel":0,"num_words":87,"start":162.135,"end":184.105},{"sentences":[{"text":"So that will be with you there shortly.","start":184.105,"end":185.645,"sentiment":"neutral","sentiment_score":0.1790329795330763},{"text":"There is also then the link which takes you to the document itself.","start":186.185,"end":190.525,"sentiment":"neutral","sentiment_score":0.12627319991588593},{"text":"It's where you would be able to sign it if you were happy with everything.","start":190.58499,"end":193.72499,"sentiment":"neutral","sentiment_score":0.20291853149731953},{"text":"Now in regards to the signable document, it's just a statement of advice.","start":194.15001,"end":197.27,"sentiment":"neutral","sentiment_score":0.053736009276830234},{"text":"And then for a team yourself, this is the tax file opt in form.","start":197.27,"end":200.49,"sentiment":"neutral","sentiment_score":0.0852850473352841}],"sentiment":"neutral","sentiment_score":0.1271452728718046,"channel":0,"num_words":63,"start":184.105,"end":200.49},{"sentences":[{"text":"I don't believe it was completed at your last annual review.","start":200.79001,"end":203.03,"sentiment":"neutral","sentiment_score":-0.12705510448325763},{"text":"It's basically just an update of where we store your tax file number and where they hold that on file.","start":203.03,"end":207.86499,"sentiment":"neutral","sentiment_score":0.042179875634610654},{"text":"They just updated that form.","start":207.86499,"end":209.405,"sentiment":"neutral","sentiment_score":0.10229950919747352},{"text":"So that's","start":209.86499,"end":210.425,"sentiment":"neutral","sentiment_score":0.10416511446237564}],"sentiment":"neutral","sentiment_score":0.00436366153390784,"channel":0,"num_words":38,"start":200.79001,"end":210.425},{"sentences":[{"text":"Uh-huh.","start":210.265,"end":210.765,"sentiment":"neutral","sentiment_score":0.10731182247400284}],"sentiment":"neutral","sentiment_score":0.10731182247400284,"channel":1,"num_words":1,"start":210.265,"end":210.765},{"sentences":[{"text":"what that form is there as well.","start":210.425,"end":212.285,"sentiment":"neutral","sentiment_score":0.17055772032056535},{"text":"So just let me know when that comes through and you have that up in front of you.","start":212.985,"end":216.105,"sentiment":"neutral","sentiment_score":0.17186905099596414},{"text":"Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time.","start":216.105,"end":228.53,"sentiment":"neutral","sentiment_score":0.08249032916501164}],"sentiment":"neutral","sentiment_score":0.11065854095040431,"channel":0,"num_words":79,"start":210.425,"end":228.53},{"sentences":[{"text":"Make it quick, please.","start":229.49501,"end":230.63501,"sentiment":"neutral","sentiment_score":0.2648858278989792}],"sentiment":"neutral","sentiment_score":0.2648858278989792,"channel":1,"num_words":4,"start":229.49501,"end":230.63501},{"sentences":[{"text":"Yeah.","start":230.83,"end":231.31,"sentiment":"neutral","sentiment_score":0.30256038904190063},{"text":"Understandable.","start":231.31,"end":231.81,"sentiment":"positive","sentiment_score":0.3502008318901062},{"text":"So I'll get started on that.","start":232.98999,"end":234.11,"sentiment":"neutral","sentiment_score":0.2579922278722127},{"text":"Obviously, there is a document created for you, yourself, Hassim, and Marty","start":234.11,"end":239.55501,"sentiment":"neutral","sentiment_score":0.17307270194093385}],"sentiment":"neutral","sentiment_score":0.21387935057282448,"channel":0,"num_words":20,"start":230.83,"end":239.55501},{"sentences":[{"text":"Yep.","start":239.255,"end":239.755,"sentiment":"neutral","sentiment_score":0.10564839839935304}],"sentiment":"neutral","sentiment_score":0.10564839839935304,"channel":1,"num_words":1,"start":239.255,"end":239.755},{"sentences":[{"text":"there in regards that it was prepared by myself, the team here as an authorized representative under the Oakview Financial Services license there as well.","start":239.55501,"end":246.675,"sentiment":"neutral","sentiment_score":0.12520575255155564},{"text":"There is a","start":246.675,"end":247.075,"sentiment":"neutral","sentiment_score":-0.010658125082651774}],"sentiment":"neutral","sentiment_score":0.11064890851931912,"channel":0,"num_words":28,"start":239.55501,"end":247.075},{"sentences":[{"text":"Mhmm.","start":247.06999,"end":247.56999,"sentiment":"neutral","sentiment_score":-0.09605217725038528}],"sentiment":"neutral","sentiment_score":-0.09605217725038528,"channel":1,"num_words":1,"start":247.06999,"end":247.56999},{"sentences":[{"text":"best interest, Judy, that we can't put you in a better position.","start":247.075,"end":249.235,"sentiment":"negative","sentiment_score":-0.39587535088260967},{"text":"Obviously, we don't give advice.","start":249.235,"end":250.615,"sentiment":"negative","sentiment_score":-0.48899725675582884},{"text":"It's part of what we're bound by.","start":250.755,"end":252.39,"sentiment":"negative","sentiment_score":-0.35272700445992605},{"text":"Now in terms of the advice itself, I don't know.","start":252.71,"end":255.59,"sentiment":"neutral","sentiment_score":-0.151363355666399},{"text":"It it was a little while ago there.","start":255.59,"end":256.79,"sentiment":"neutral","sentiment_score":-0.1342949364334345}],"sentiment":"neutral","sentiment_score":-0.2917279184219383,"channel":0,"num_words":42,"start":247.075,"end":256.79},{"sentences":[{"text":"So, obviously, thinking back a little bit there, we were just reviewing the superannuation side of things, the investments within that to see if it was still appropriate.","start":256.79,"end":264.17,"sentiment":"neutral","sentiment_score":-0.05552656988480261},{"text":"Now since we did have that last previously discussion, we completed that e t p a.","start":264.725,"end":269.285,"sentiment":"neutral","sentiment_score":0.10547227691859007},{"text":"So you can talk about each other's accounts.","start":269.285,"end":270.985,"sentiment":"neutral","sentiment_score":0.14338748063892126},{"text":"In terms of, like, the coupling fees and linking of hub twenty four, that has been all completed in the back end in the time since we last spoke.","start":271.525,"end":278.025,"sentiment":"neutral","sentiment_score":0.14253318900692052},{"text":"And then, obviously, we have referred you under a few of our partners there in regards to the Oakview sort of strategic alliance there in terms of trusted partners, whether or not you took up QCA's services or the lawyer services there at the time.","start":278.23,"end":293.385,"sentiment":"neutral","sentiment_score":0.08251763739519649}],"sentiment":"neutral","sentiment_score":0.07243387684935615,"channel":0,"num_words":126,"start":256.79,"end":293.385},{"sentences":[{"text":"That was completely up to you.","start":293.625,"end":295.245,"sentiment":"neutral","sentiment_score":0.08529002219438553},{"text":"And then in regards to that as well, we just touched on the estate planning side of things, which is included in the document here.","start":295.945,"end":301.405,"sentiment":"neutral","sentiment_score":0.09078410729765891},{"text":"Now as far as things that we've touched on, we're aware of, we're a bit of accountability partners for now.","start":301.545,"end":306.99,"sentiment":"neutral","sentiment_score":0.0006443205056712031},{"text":"Your insurances, you're happy with how they're currently.","start":307.47,"end":309.71,"sentiment":"neutral","sentiment_score":0.03190434444695711},{"text":"We didn't review those at this time.","start":309.71,"end":311.49,"sentiment":"negative","sentiment_score":-0.3554321697780064}],"sentiment":"neutral","sentiment_score":0.00850664837652761,"channel":0,"num_words":66,"start":293.625,"end":311.49},{"sentences":[{"text":"Your budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child.","start":311.87,"end":318.13,"sentiment":"neutral","sentiment_score":0.2875308295090993},{"text":"We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well.","start":318.19,"end":327.585,"sentiment":"neutral","sentiment_score":0.2893578711806274},{"text":"If","start":328.205,"end":328.365,"sentiment":"neutral","sentiment_score":0.19533847272396088}],"sentiment":"neutral","sentiment_score":0.28726895605072833,"channel":0,"num_words":66,"start":311.87,"end":328.365},{"sentences":[{"text":"Okay.","start":328.30002,"end":328.80002,"sentiment":"neutral","sentiment_score":0.2207878977060318}],"sentiment":"neutral","sentiment_score":0.2207878977060318,"channel":1,"num_words":1,"start":328.30002,"end":328.80002},{"sentences":[{"text":"you'd like that to be sent through, you can utilize for your own purposes.","start":328.365,"end":331.725,"sentiment":"neutral","sentiment_score":0.27485418000391554},{"text":"It is sort of edible.","start":331.725,"end":332.685,"sentiment":"positive","sentiment_score":0.42477667331695557},{"text":"It is just an Excel spreadsheet, but it just makes everything nice and pretty on paper.","start":332.685,"end":336.86,"sentiment":"positive","sentiment_score":0.4464397709816694},{"text":"In terms of the debt management, obviously, you've got the primary residence there that you're looking to pay down.","start":337.32,"end":342.52,"sentiment":"neutral","sentiment_score":0.022643260394321067},{"text":"We're not doing anything in regards to that.","start":342.52,"end":344.38,"sentiment":"neutral","sentiment_score":-0.2513750232756138}],"sentiment":"neutral","sentiment_score":0.18603387070376606,"channel":0,"num_words":62,"start":328.365,"end":344.38},{"sentences":[{"text":"And then for a future reference, potentially, you wanna look at salary sacrifice, but not at this time, and then investment property down the track there as well.","start":344.6,"end":353.3739,"sentiment":"neutral","sentiment_score":-0.04361707630700299},{"text":"But that's all sort of later stage.","start":353.3739,"end":354.585,"sentiment":"neutral","sentiment_score":-0.07708447054028511},{"text":"So at","start":355.445,"end":355.92502,"sentiment":"neutral","sentiment_score":0.03978472389280796}],"sentiment":"neutral","sentiment_score":-0.04544054007006658,"channel":0,"num_words":37,"start":344.6,"end":355.92502},{"sentences":[{"text":"Yep.","start":355.88,"end":356.38,"sentiment":"neutral","sentiment_score":0.05063706263899803}],"sentiment":"neutral","sentiment_score":0.05063706263899803,"channel":1,"num_words":1,"start":355.88,"end":356.38},{"sentences":[{"text":"the moment, just looking at that super insurance and then also a little bit of travel and the the business there that you were potentially starting up, that's all scoped out of this advice piece.","start":355.92502,"end":365.20502,"sentiment":"neutral","sentiment_score":0.08821156365530831},{"text":"Now in terms of the advice itself, it is quite simple.","start":365.20502,"end":368.0,"sentiment":"neutral","sentiment_score":0.25363979827273975},{"text":"Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features.","start":368.0,"end":375.12,"sentiment":"neutral","sentiment_score":0.324971338113149},{"text":"I'm not too sure how much you guys go on and play around with it.","start":375.12,"end":378.1,"sentiment":"neutral","sentiment_score":0.21133534560600917},{"text":"But it is quite good compared to some alternatives there.","start":379.235,"end":382.055,"sentiment":"positive","sentiment_score":0.42942426204681394}],"sentiment":"neutral","sentiment_score":0.22862233125632353,"channel":0,"num_words":101,"start":355.92502,"end":382.055},{"sentences":[{"text":"In addition to that one, you do also have the family linking not only with OQ, but with Hub twenty four, which lowers those administration fees, which lowers those overall costs as well.","start":382.115,"end":391.415,"sentiment":"positive","sentiment_score":0.36021245383855066},{"text":"So we are recommending","start":391.715,"end":392.615,"sentiment":"neutral","sentiment_score":0.2988697737455368}],"sentiment":"positive","sentiment_score":0.35358081274741404,"channel":0,"num_words":37,"start":382.115,"end":392.615},{"sentences":[{"text":"Yes.","start":392.35498,"end":392.85498,"sentiment":"positive","sentiment_score":0.3445826768875122}],"sentiment":"positive","sentiment_score":0.3445826768875122,"channel":1,"num_words":1,"start":392.35498,"end":392.85498},{"sentences":[{"text":"you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments.","start":392.675,"end":404.62,"sentiment":"neutral","sentiment_score":0.3017550397377748},{"text":"In addition to that one there as well, looking at Marty, I know we sent you off the NEOS form for the beneficiary because that one didn't come back.","start":405.72,"end":415.625,"sentiment":"neutral","sentiment_score":0.03566154991758281},{"text":"I don't believe it still has come back, so that is still outstanding for the beneficiary side of things.","start":415.685,"end":420.345,"sentiment":"neutral","sentiment_score":-0.032117511488889396},{"text":"And then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December.","start":420.88498,"end":429.38,"sentiment":"neutral","sentiment_score":-0.1557570179855382},{"text":"So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things.","start":429.68,"end":439.195,"sentiment":"neutral","sentiment_score":0.17285047814948484}],"sentiment":"neutral","sentiment_score":0.09259023694704248,"channel":0,"num_words":146,"start":392.675,"end":439.195},{"sentences":[{"text":"Okay.","start":439.71,"end":440.03,"sentiment":"neutral","sentiment_score":0.135024756193161},{"text":"That's","start":440.03,"end":440.53,"sentiment":"neutral","sentiment_score":0.1959836483001709}],"sentiment":"neutral","sentiment_score":0.16550420224666595,"channel":1,"num_words":2,"start":439.71,"end":440.53},{"sentences":[{"text":"Yep.","start":440.455,"end":440.955,"sentiment":"neutral","sentiment_score":0.19177848100662231}],"sentiment":"neutral","sentiment_score":0.19177848100662231,"channel":0,"num_words":1,"start":440.455,"end":440.955},{"sentences":[{"text":"I do it on on the Delta Super.","start":440.91,"end":443.55,"sentiment":"neutral","sentiment_score":0.16961556486785412},{"text":"Right?","start":443.55,"end":443.87,"sentiment":"neutral","sentiment_score":0.09457120299339294},{"text":"Not not with you.","start":443.87,"end":445.01,"sentiment":"neutral","sentiment_score":0.014896690845489502}],"sentiment":"neutral","sentiment_score":0.11623711425524491,"channel":1,"num_words":13,"start":440.91,"end":445.01},{"sentences":[{"text":"We can get you a form if you'd like, or, yeah, you can do it on the the Telstra super.","start":445.81497,"end":450.29498,"sentiment":"neutral","sentiment_score":0.11668953411281109},{"text":"I'm not too sure from memory if they allow you to do it without the signatories.","start":450.29498,"end":455.08,"sentiment":"neutral","sentiment_score":-0.05649146426003426},{"text":"But if they do, you'd have to do the form.","start":455.69998,"end":457.22,"sentiment":"neutral","sentiment_score":0.04463033154606819},{"text":"But we can get you a copy of the form once you get the close to the date there as well if you'd like.","start":457.22,"end":461.63998,"sentiment":"neutral","sentiment_score":0.20581207113961378}],"sentiment":"neutral","sentiment_score":0.09736743252724409,"channel":0,"num_words":70,"start":445.81497,"end":461.63998},{"sentences":[{"text":"Alright.","start":461.905,"end":462.305,"sentiment":"neutral","sentiment_score":0.24772289395332336},{"text":"Yes.","start":462.305,"end":462.545,"sentiment":"positive","sentiment_score":0.33355647325515747},{"text":"Sure.","start":462.545,"end":463.045,"sentiment":"positive","sentiment_score":0.5797896385192871}],"sentiment":"positive","sentiment_score":0.387023001909256,"channel":1,"num_words":3,"start":461.905,"end":463.045},{"sentences":[{"text":"Perfect.","start":463.69998,"end":464.19998,"sentiment":"positive","sentiment_score":0.7482865452766418},{"text":"And then, obviously, you know, especially with the kid on the way as well, establishing, like, a will of power of attorney, getting your estate planning matters just sorted.","start":464.625,"end":470.965,"sentiment":"positive","sentiment_score":0.44439401914333476},{"text":"So in the event that anything did happen, that nothing sort of out in the question.","start":471.265,"end":476.405,"sentiment":"neutral","sentiment_score":0.23087460175156593},{"text":"Now on page eight there, you'll see your details, the about you section for you both.","start":477.185,"end":482.18997,"sentiment":"neutral","sentiment_score":0.22809146158397198},{"text":"In addition, the next page over you see the assets and liabilities side of things.","start":482.18997,"end":485.72998,"sentiment":"neutral","sentiment_score":0.1529064729809761}],"sentiment":"neutral","sentiment_score":0.302243729980735,"channel":0,"num_words":77,"start":463.69998,"end":485.72998},{"sentences":[{"text":"Now on the the page over on page 10, you'll see where you're currently held in terms of your balances, in terms of where insurances are held.","start":486.66998,"end":495.465,"sentiment":"neutral","sentiment_score":0.10262794351136242},{"text":"Now for yourself, Asim, you do have that IP paid through work and then the life and TPD as well.","start":495.465,"end":501.005,"sentiment":"neutral","sentiment_score":0.21810730025172234},{"text":"Now we're looking at still retaining that due to the the cost and getting obviously a benefit portion paid by your employer.","start":501.065,"end":506.685,"sentiment":"neutral","sentiment_score":0.298187140036713},{"text":"And then you still got that top up.","start":507.39,"end":508.75,"sentiment":"positive","sentiment_score":0.3547038324177265},{"text":"We're keeping that there as well for yourself, mate.","start":508.75,"end":510.75,"sentiment":"positive","sentiment_score":0.5296690530247159}],"sentiment":"neutral","sentiment_score":0.24764964764201364,"channel":0,"num_words":86,"start":486.66998,"end":510.75},{"sentences":[{"text":"You still got those New Year's insurances for the life, TPD, and income protection as well.","start":510.75,"end":514.37,"sentiment":"positive","sentiment_score":0.4126900378614664},{"text":"Even with being on maternity leave, you can look at potentially pausing it.","start":514.59,"end":519.81,"sentiment":"neutral","sentiment_score":-0.164803969172331},{"text":"But even if you are intending to return back to work within that that twelve months, likely, we're just gonna keep those active in the event that you obviously do return as well in that time period as opposed to having it switched off in that time.","start":519.87,"end":534.495,"sentiment":"neutral","sentiment_score":0.29826957241017765}],"sentiment":"neutral","sentiment_score":0.24314814355028302,"channel":0,"num_words":76,"start":510.75,"end":534.495},{"sentences":[{"text":"Yep.","start":535.19495,"end":535.69495,"sentiment":"neutral","sentiment_score":0.22377291321754456},{"text":"Mhmm.","start":535.755,"end":536.255,"sentiment":"neutral","sentiment_score":0.17258763313293457}],"sentiment":"neutral","sentiment_score":0.19818027317523956,"channel":1,"num_words":2,"start":535.19495,"end":536.255},{"sentences":[{"text":"As far as the risk profile goes, I see him you scored the high growth.","start":537.44,"end":540.64,"sentiment":"neutral","sentiment_score":0.2182138333717982},{"text":"Marty, you did score growth, which is a little bit below what you're currently invested, but after some discussions, you were happy with the high growth.","start":540.64,"end":546.56,"sentiment":"positive","sentiment_score":0.3469193342786569},{"text":"So currently, both the recommendations sit around that ninety ten split, about 90% growth assets, about 10% defensive.","start":546.56,"end":552.745,"sentiment":"neutral","sentiment_score":0.3103433913654751},{"text":"But I'll let you guys have a read through about bit more about high growth and what that means.","start":553.125,"end":556.58496,"sentiment":"neutral","sentiment_score":0.3217504173517227},{"text":"Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four.","start":556.805,"end":567.37,"sentiment":"neutral","sentiment_score":0.3327042970693473}],"sentiment":"neutral","sentiment_score":0.3150611799042504,"channel":0,"num_words":111,"start":537.44,"end":567.37},{"sentences":[{"text":"Now by maintaining the the hub twenty four fund, obviously, of the additional benefits, those aggregate trading, the linking between your two accounts, in addition to that one there, you don't have to realize any capital gains and underlying in addition with hub twenty four still being quite a good product in the market compared to the alternatives.","start":567.91,"end":584.695,"sentiment":"positive","sentiment_score":0.38671483510527116},{"text":"So if you look on page 15 there, you'll be able to see the breakdown of approximately 31,000 of your Telstra Super will go into the hub 24, and then it'll be reinvested in line with the investments that are recommended.","start":585.635,"end":597.64996,"sentiment":"neutral","sentiment_score":0.2643474285922399}],"sentiment":"positive","sentiment_score":0.3360374243271471,"channel":0,"num_words":99,"start":567.91,"end":597.64996},{"sentences":[{"text":"Yes.","start":597.155,"end":597.655,"sentiment":"neutral","sentiment_score":0.16767027974128723}],"sentiment":"neutral","sentiment_score":0.16767027974128723,"channel":1,"num_words":1,"start":597.155,"end":597.655},{"sentences":[{"text":"So on page 18 there, you'll see the breakdown of that in the sales and the buyers.","start":598.11,"end":603.47,"sentiment":"neutral","sentiment_score":0.19799677238744848},{"text":"Now your portfolio currently was a little bit tech focused as well.","start":603.47,"end":607.095,"sentiment":"neutral","sentiment_score":0.19865481679638228},{"text":"Now about half of that's done really, really well, and then the other half did well.","start":607.415,"end":611.33496,"sentiment":"positive","sentiment_score":0.37037502601742744},{"text":"And then started this year, I'm not too sure if you're paying much attention, but AI and just the markets in general have taken a little bit of a dive.","start":611.33496,"end":617.435,"sentiment":"neutral","sentiment_score":0.10401202067732811},{"text":"So we're looking at diversifying that a little bit and still having some allocation to the cybersecurity side of things with the beta shares hack and then also just moving it more in line with where we're sort of going as a company with the investment direction.","start":617.57495,"end":634.21,"sentiment":"neutral","sentiment_score":0.32196537452809354}],"sentiment":"neutral","sentiment_score":0.2453158735373958,"channel":0,"num_words":122,"start":598.11,"end":634.21},{"sentences":[{"text":"Now with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in.","start":634.51,"end":642.22504,"sentiment":"neutral","sentiment_score":-0.257761337980628},{"text":"Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio.","start":642.22504,"end":649.36505,"sentiment":"neutral","sentiment_score":0.008738359968577112},{"text":"Because you are quite heavily invested in that active portion, it did take quite a a bit of a hit with that one.","start":650.01,"end":654.97003,"sentiment":"neutral","sentiment_score":-0.09673143145830734},{"text":"But moving forward, you won't have that active portion, and you'll actually be a lower ongoing cost in terms of, like, investment fees, if that makes sense","start":654.97003,"end":662.715,"sentiment":"neutral","sentiment_score":0.2907121338778072}],"sentiment":"neutral","sentiment_score":-0.017257049714249593,"channel":0,"num_words":108,"start":634.51,"end":662.715},{"sentences":[{"text":"Okay.","start":664.01996,"end":664.51996,"sentiment":"neutral","sentiment_score":0.1953708678483963}],"sentiment":"neutral","sentiment_score":0.1953708678483963,"channel":1,"num_words":1,"start":664.01996,"end":664.51996},{"sentences":[{"text":"for you there, Asteem.","start":664.79504,"end":665.91504,"sentiment":"neutral","sentiment_score":0.21756450086832047},{"text":"Now in terms of, like, the allocation to growth versus defensive, you'll have slightly higher in terms of having a bit more allocation to growth, but you won't have that active manager risk, and you'll have a bit more diversification across the investments you hold.","start":665.91504,"end":679.07,"sentiment":"neutral","sentiment_score":0.31444985303613876},{"text":"You won't have quite a higher allocation towards any sort of singular asset apart from the S and P 500, which is that index fund.","start":679.07,"end":687.55,"sentiment":"neutral","sentiment_score":0.22812400698661806},{"text":"That's the top 500 companies in America, which are quite strong historically.","start":687.55,"end":691.685,"sentiment":"positive","sentiment_score":0.45217787722746533}],"sentiment":"neutral","sentiment_score":0.3040666987383088,"channel":0,"num_words":86,"start":664.79504,"end":691.685},{"sentences":[{"text":"Yep.","start":691.29004,"end":691.79004,"sentiment":"neutral","sentiment_score":0.2171560823917389}],"sentiment":"neutral","sentiment_score":0.2171560823917389,"channel":1,"num_words":1,"start":691.29004,"end":691.79004},{"sentences":[{"text":"Now in terms of the breakdown of that and the projection of that, obviously, projections are based on this time, the three year rolling average just due to the the funds there and how long they've existed for.","start":693.185,"end":703.265,"sentiment":"neutral","sentiment_score":0.082098244640388},{"text":"But a three year rolling average, and that sort of highlights what that change may look like.","start":703.265,"end":707.83,"sentiment":"neutral","sentiment_score":0.06357453566263704},{"text":"Now the key figures there are mainly the investment fee.","start":707.83,"end":710.39,"sentiment":"neutral","sentiment_score":0.1502896748483181},{"text":"Now consolidating the funds down to closer to one fund more so, you lower those fees of holding across two accounts.","start":710.39,"end":718.39496,"sentiment":"neutral","sentiment_score":0.21432016080334074},{"text":"In addition to that one, you also lower the investment fees of having between the the two funds in the active portion versus that passive portion.","start":718.39496,"end":727.035,"sentiment":"neutral","sentiment_score":0.2888849606880775}],"sentiment":"neutral","sentiment_score":0.15817079915931181,"channel":0,"num_words":112,"start":693.185,"end":727.035},{"sentences":[{"text":"So you will be saving on that one.","start":727.035,"end":728.735,"sentiment":"positive","sentiment_score":0.5109822601079941},{"text":"With that one with projected growth, it does mean the adviser fee does jump up a little bit, but that's just based on those higher returns because, obviously, those indexes have been doing quite well for the past three years.","start":729.115,"end":738.58997,"sentiment":"positive","sentiment_score":0.4169172286987305},{"text":"But, obviously, returns are sort of calculated on that, but nothing's gonna replicate year on year on year.","start":739.21,"end":744.91,"sentiment":"neutral","sentiment_score":-0.10270713590499428},{"text":"So it's to be taken with the grain of salt, as I said, but it gives you a bit of an idea of what that may look like.","start":745.21,"end":749.67505,"sentiment":"neutral","sentiment_score":0.03253929551491248},{"text":"But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense.","start":750.215,"end":759.15,"sentiment":"neutral","sentiment_score":0.30316123885638785}],"sentiment":"neutral","sentiment_score":0.2348916530645797,"channel":0,"num_words":127,"start":727.035,"end":759.15},{"sentences":[{"text":"Yep.","start":760.205,"end":760.705,"sentiment":"positive","sentiment_score":0.498372882604599}],"sentiment":"positive","sentiment_score":0.498372882604599,"channel":1,"num_words":1,"start":760.205,"end":760.705},{"sentences":[{"text":"Perfect.","start":761.71,"end":762.21,"sentiment":"positive","sentiment_score":0.6965575218200684},{"text":"For yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund.","start":762.59,"end":768.85004,"sentiment":"positive","sentiment_score":0.39690931638081867},{"text":"Now moving forward as well, we are recommending the same update to this new portfolio here.","start":769.39,"end":774.045,"sentiment":"positive","sentiment_score":0.41189886070787907},{"text":"As I said to Asim, there is well maintaining that hub twenty four.","start":774.52496,"end":778.365,"sentiment":"neutral","sentiment_score":0.3286852286412166},{"text":"You keep your linking between your two accounts.","start":778.365,"end":780.365,"sentiment":"positive","sentiment_score":0.3714316487312317}],"sentiment":"positive","sentiment_score":0.38801812981405565,"channel":0,"num_words":62,"start":761.71,"end":780.365},{"sentences":[{"text":"It's lower administration costs, which aren't actually disclosed.","start":780.365,"end":783.40497,"sentiment":"positive","sentiment_score":0.39159634709358215},{"text":"And this the the fees for hub twenty four will actually come down lower than what I projected.","start":783.40497,"end":787.565,"sentiment":"positive","sentiment_score":0.49772216379642487},{"text":"We just project the higher amount.","start":787.565,"end":789.185,"sentiment":"neutral","sentiment_score":0.3192681223154068},{"text":"But having those accounts link, it links those funds as well.","start":789.64,"end":792.54,"sentiment":"neutral","sentiment_score":0.2763580652800473},{"text":"Now","start":792.83997,"end":793.08,"sentiment":"neutral","sentiment_score":0.29071909189224243}],"sentiment":"positive","sentiment_score":0.39404627883976157,"channel":0,"num_words":44,"start":780.365,"end":793.08},{"sentences":[{"text":"Mhmm.","start":793.035,"end":793.535,"sentiment":"neutral","sentiment_score":0.2747551202774048}],"sentiment":"neutral","sentiment_score":0.2747551202774048,"channel":1,"num_words":1,"start":793.035,"end":793.535},{"sentences":[{"text":"with yourself being off work for a little bit of time as well, you know, staying home, caring for the above for how long you're sort of off, it'll also reduce those costs moving forward for your investments and why you're not having contributions and going in as well.","start":793.08,"end":805.835,"sentiment":"neutral","sentiment_score":0.25232298292067584},{"text":"That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense.","start":805.895,"end":816.16003,"sentiment":"neutral","sentiment_score":0.3204449849824111}],"sentiment":"neutral","sentiment_score":0.28117465438211664,"channel":0,"num_words":85,"start":793.08,"end":816.16003},{"sentences":[{"text":"Yep.","start":816.635,"end":817.135,"sentiment":"neutral","sentiment_score":0.3207963705062866}],"sentiment":"neutral","sentiment_score":0.3207963705062866,"channel":1,"num_words":1,"start":816.635,"end":817.135},{"sentences":[{"text":"Perfect.","start":818.62,"end":819.12,"sentiment":"positive","sentiment_score":0.45015233755111694},{"text":"So as I said, yeah, very similar funds from when you first came on board there.","start":819.5,"end":823.76,"sentiment":"neutral","sentiment_score":0.24788019992411137},{"text":"But with that, we're both really looking updating to the the same investment fund.","start":823.82,"end":827.34,"sentiment":"neutral","sentiment_score":0.2377476426107543},{"text":"Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well.","start":827.34,"end":837.165,"sentiment":"neutral","sentiment_score":0.3106472360533337},{"text":"You still got quite a healthy portion to the defensive side of things with the the beta shares, bank hybrids, and across the the rest of the fund.","start":837.165,"end":845.13,"sentiment":"positive","sentiment_score":0.38069723546504974}],"sentiment":"neutral","sentiment_score":0.31139270859021767,"channel":0,"num_words":102,"start":818.62,"end":845.13},{"sentences":[{"text":"But in addition to that, we consider gold more of a growth asset, which it's disclosed as.","start":845.13,"end":849.39,"sentiment":"neutral","sentiment_score":0.17018531375181148},{"text":"You also, between the both of you as well, having that gold, it can act as a bit of a defensive portion as well with what's going on in the markets.","start":849.53,"end":856.25,"sentiment":"neutral","sentiment_score":0.27832842546124614},{"text":"But given what's happened in the past few years, obviously, it's done quite well and is considered a bit more of a growth asset currently.","start":856.25,"end":861.95496,"sentiment":"positive","sentiment_score":0.45884826958179475},{"text":"But in times of sort of people get a little bit more defensive, you know, Trump playing around in his tariff talks, people tend to go back to that hard currency a little bit there as well, which contributed to its price spike a little bit.","start":862.735,"end":872.99005,"sentiment":"neutral","sentiment_score":-0.2774755635663219}],"sentiment":"neutral","sentiment_score":0.0859551457022982,"channel":0,"num_words":119,"start":845.13,"end":872.99005},{"sentences":[{"text":"Mhmm.","start":873.785,"end":874.285,"sentiment":"neutral","sentiment_score":0.04629623889923096}],"sentiment":"neutral","sentiment_score":0.04629623889923096,"channel":1,"num_words":1,"start":873.785,"end":874.285},{"sentences":[{"text":"As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything.","start":875.45,"end":884.01,"sentiment":"neutral","sentiment_score":0.13011495217680932},{"text":"But your table there is on page 27 in terms of the projections.","start":884.01,"end":888.695,"sentiment":"neutral","sentiment_score":0.19702059832903054},{"text":"Now for yourself, it'll save you roughly around $355 per annum in investment costs because your funds are fully consolidated there as well.","start":888.835,"end":897.335,"sentiment":"positive","sentiment_score":0.4648232719172602},{"text":"Obviously, Stuart insurance premiums coming out of that one in terms of the the cost that you do pay, but you can't really pay those as well.","start":897.635,"end":905.98,"sentiment":"neutral","sentiment_score":0.011464051764320445},{"text":"So that is state zero currently, but you are still paying those with the the current circumstances.","start":905.98,"end":911.695,"sentiment":"neutral","sentiment_score":-0.00940625325721853}],"sentiment":"neutral","sentiment_score":0.15861618980055764,"channel":0,"num_words":105,"start":875.45,"end":911.695},{"sentences":[{"text":"Now as I said, if you did wanna review those, if you decide to, you know, stay off work longer and not potentially go back to work as well with income protection and adjusting that for being a stay at home mother, those are all things we can look at as well for you.","start":912.155,"end":923.535,"sentiment":"neutral","sentiment_score":0.15861336334987922}],"sentiment":"neutral","sentiment_score":0.15861336334987922,"channel":0,"num_words":54,"start":912.155,"end":923.535},{"sentences":[{"text":"Okay.","start":923.82996,"end":924.32996,"sentiment":"neutral","sentiment_score":0.15740428864955902},{"text":"Yes.","start":924.87,"end":925.37,"sentiment":"neutral","sentiment_score":0.1773112267255783}],"sentiment":"neutral","sentiment_score":0.16735775768756866,"channel":1,"num_words":2,"start":923.82996,"end":925.37},{"sentences":[{"text":"Okay.","start":926.235,"end":926.64,"sentiment":"neutral","sentiment_score":0.17612864077091217},{"text":"As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding","start":927.44,"end":938.10004,"sentiment":"neutral","sentiment_score":0.2675307071208954}],"sentiment":"neutral","sentiment_score":0.26401524303051144,"channel":0,"num_words":26,"start":926.235,"end":938.10004},{"sentences":[{"text":"Yep.","start":939.225,"end":939.725,"sentiment":"neutral","sentiment_score":0.19340363144874573}],"sentiment":"neutral","sentiment_score":0.19340363144874573,"channel":1,"num_words":1,"start":939.225,"end":939.725},{"sentences":[{"text":"from when we sent it.","start":939.28,"end":940.8,"sentiment":"neutral","sentiment_score":0.07244976237416267},{"text":"Do you still have a copy of that","start":940.8,"end":942.195,"sentiment":"neutral","sentiment_score":0.0075889634899795055}],"sentiment":"neutral","sentiment_score":0.03253542459928072,"channel":0,"num_words":13,"start":939.28,"end":942.195},{"sentences":[{"text":"No.","start":942.87,"end":943.11,"sentiment":"neutral","sentiment_score":-0.056248147040605545},{"text":"I I don't I I thought I sent completed and send it back.","start":943.11,"end":947.27,"sentiment":"neutral","sentiment_score":-0.07642973243043973},{"text":"But if you could send me another form, I'll I'll try to get that I'll try to get that back to you.","start":947.27,"end":952.905,"sentiment":"neutral","sentiment_score":0.04863990318368782}],"sentiment":"neutral","sentiment_score":0.0005623111501336098,"channel":1,"num_words":36,"start":942.87,"end":952.905},{"sentences":[{"text":"one?","start":953.47504,"end":953.555,"sentiment":"neutral","sentiment_score":0.009328610263764858},{"text":"Yep.","start":953.555,"end":954.055,"sentiment":"neutral","sentiment_score":0.063203826546669},{"text":"Not a problem.","start":954.115,"end":954.855,"sentiment":"neutral","sentiment_score":0.13599333663781485},{"text":"The snail mail can be a little bit unpredictable whether or not it makes it there or not.","start":955.075,"end":958.98,"sentiment":"neutral","sentiment_score":-0.19707532227039337},{"text":"But do you have access to a printer at all that you or you'd rather have it","start":958.98,"end":961.54,"sentiment":"neutral","sentiment_score":0.03338397042277981}],"sentiment":"neutral","sentiment_score":-0.062482896423898635,"channel":0,"num_words":40,"start":953.47504,"end":961.54},{"sentences":[{"text":"Yep.","start":961.465,"end":961.965,"sentiment":"neutral","sentiment_score":0.05778818577528}],"sentiment":"neutral","sentiment_score":0.05778818577528,"channel":1,"num_words":1,"start":961.465,"end":961.965},{"sentences":[{"text":"just sent in the mail?","start":961.54,"end":962.68,"sentiment":"neutral","sentiment_score":0.037559646368026736},{"text":"Do you have access to a","start":962.74,"end":963.54,"sentiment":"neutral","sentiment_score":0.0059259395735959215}],"sentiment":"neutral","sentiment_score":0.020304897207428108,"channel":0,"num_words":11,"start":961.54,"end":963.54},{"sentences":[{"text":"And","start":963.465,"end":963.705,"sentiment":"neutral","sentiment_score":0.003422889392822981}],"sentiment":"neutral","sentiment_score":0.003422889392822981,"channel":1,"num_words":1,"start":963.465,"end":963.705},{"sentences":[{"text":"printer?","start":963.54,"end":964.04,"sentiment":"neutral","sentiment_score":0.01305803284049034}],"sentiment":"neutral","sentiment_score":0.01305803284049034,"channel":0,"num_words":1,"start":963.54,"end":964.04},{"sentences":[{"text":"I do have access to your printer.","start":963.705,"end":965.565,"sentiment":"neutral","sentiment_score":0.08464703389576503}],"sentiment":"neutral","sentiment_score":0.08464703389576503,"channel":1,"num_words":7,"start":963.705,"end":965.565},{"sentences":[{"text":"Yep.","start":966.18,"end":966.34,"sentiment":"neutral","sentiment_score":0.19098375737667084},{"text":"Because we can email a copy as well.","start":966.34,"end":968.34,"sentiment":"neutral","sentiment_score":0.23868582397699356},{"text":"It'll still have to","start":968.34,"end":969.06,"sentiment":"neutral","sentiment_score":0.17131030559539795}],"sentiment":"neutral","sentiment_score":0.21428550550570855,"channel":0,"num_words":13,"start":966.18,"end":969.06},{"sentences":[{"text":"Yep.","start":968.98004,"end":969.48004,"sentiment":"neutral","sentiment_score":0.14627030491828918}],"sentiment":"neutral","sentiment_score":0.14627030491828918,"channel":1,"num_words":1,"start":968.98004,"end":969.48004},{"sentences":[{"text":"be printed in, like yep.","start":969.06,"end":970.485,"sentiment":"neutral","sentiment_score":0.11864667534828185},{"text":"Fine.","start":970.485,"end":970.725,"sentiment":"neutral","sentiment_score":0.26910457015037537},{"text":"No","start":970.725,"end":971.225,"sentiment":"positive","sentiment_score":0.3940851092338562}],"sentiment":"neutral","sentiment_score":0.1794890080179487,"channel":0,"num_words":7,"start":969.06,"end":971.225},{"sentences":[{"text":"I","start":971.46,"end":971.7,"sentiment":"neutral","sentiment_score":0.2830404043197632}],"sentiment":"neutral","sentiment_score":0.2830404043197632,"channel":1,"num_words":1,"start":971.46,"end":971.7},{"sentences":[{"text":"problem.","start":971.685,"end":972.185,"sentiment":"positive","sentiment_score":0.3939555287361145}],"sentiment":"positive","sentiment_score":0.3939555287361145,"channel":0,"num_words":1,"start":971.685,"end":972.185},{"sentences":[{"text":"can do that.","start":971.7,"end":972.60004,"sentiment":"neutral","sentiment_score":0.31207377711931866}],"sentiment":"neutral","sentiment_score":0.31207377711931866,"channel":1,"num_words":3,"start":971.7,"end":972.60004},{"sentences":[{"text":"And as I said for yourself, Hassain, your one for Telstra Super will expire on the December 5.","start":973.125,"end":978.08496,"sentiment":"neutral","sentiment_score":0.1670726024442249},{"text":"So we could also just email you a copy of, like, how to redo that one and recomplete","start":978.08496,"end":982.805,"sentiment":"neutral","sentiment_score":0.153791101442443}],"sentiment":"neutral","sentiment_score":0.16043185194333395,"channel":0,"num_words":36,"start":973.125,"end":982.805},{"sentences":[{"text":"Yeah.","start":982.515,"end":983.015,"sentiment":"neutral","sentiment_score":0.14678549766540527}],"sentiment":"neutral","sentiment_score":0.14678549766540527,"channel":1,"num_words":1,"start":982.515,"end":983.015},{"sentences":[{"text":"it when that does expire","start":982.805,"end":984.88,"sentiment":"neutral","sentiment_score":0.11791117042303086}],"sentiment":"neutral","sentiment_score":0.11791117042303086,"channel":0,"num_words":5,"start":982.805,"end":984.88},{"sentences":[{"text":"Yeah.","start":984.91504,"end":985.23505,"sentiment":"neutral","sentiment_score":0.21713034808635712},{"text":"Sure.","start":985.23505,"end":985.73505,"sentiment":"positive","sentiment_score":0.3778174221515655}],"sentiment":"neutral","sentiment_score":0.29747388511896133,"channel":1,"num_words":2,"start":984.91504,"end":985.73505},{"sentences":[{"text":"as well.","start":985.4,"end":986.92,"sentiment":"positive","sentiment_score":0.37132832407951355},{"text":"Perfect.","start":987.44,"end":987.94,"sentiment":"positive","sentiment_score":0.6523005962371826},{"text":"The next section on there is obviously in regards to a will and establishing a 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financial.","start":1032.845,"end":1041.25,"sentiment":"neutral","sentiment_score":0.05658439964507565},{"text":"It just means that you're incapacitated in any way that the normally, your spouse has the power to make those decisions if it does kick in for whatever reason.","start":1041.25,"end":1049.11,"sentiment":"neutral","sentiment_score":-0.008212510753294518},{"text":"So they can either, for one, still pay bills, sign off on certain things, or in the event that sort of anything did happen medically that you know how you want to be dealt with, whether it's not, you know, pull the plug, things like that.","start":1049.41,"end":1061.2051,"sentiment":"neutral","sentiment_score":0.008129278643299704},{"text":"Whether it's in a pit on a document there as well, it just means that with that, it takes those hard decisions out of family members' hands in those sort of difficult 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you have any questions or concerns.","start":1120.965,"end":1132.86,"sentiment":"neutral","sentiment_score":0.21940994851810988},{"text":"You also have a link to PDF links for all the the investment options if you do wanna review those and have a look at any of those.","start":1132.86,"end":1139.6001,"sentiment":"neutral","sentiment_score":0.18630788209182875}],"sentiment":"neutral","sentiment_score":0.216891008030091,"channel":0,"num_words":112,"start":1108.67,"end":1139.6001},{"sentences":[{"text":"Yep.","start":1139.85,"end":1140.35,"sentiment":"neutral","sentiment_score":0.184882253408432}],"sentiment":"neutral","sentiment_score":0.184882253408432,"channel":1,"num_words":1,"start":1139.85,"end":1140.35},{"sentences":[{"text":"And then if you were happy to and did sign, we'd obviously go in the back end and deal with those investment updates in addition to that role over there as well as far as the beneficiary forms that so if you have to complete and the the estate planning matters 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days?","start":1303.24,"end":1307.42,"sentiment":"neutral","sentiment_score":0.10202015622666008}],"sentiment":"neutral","sentiment_score":0.11437346608865828,"channel":0,"num_words":21,"start":1302.6001,"end":1307.42},{"sentences":[{"text":"No.","start":1308.07,"end":1308.5499,"sentiment":"neutral","sentiment_score":0.059741441160440445},{"text":"Thank thank you so much.","start":1308.5499,"end":1309.4299,"sentiment":"positive","sentiment_score":0.5622621536254883},{"text":"Thank you so much for your time.","start":1309.4299,"end":1310.63,"sentiment":"positive","sentiment_score":0.7689448169299534},{"text":"Really appreciate it.","start":1310.63,"end":1311.85,"sentiment":"positive","sentiment_score":0.7085607250531515}],"sentiment":"positive","sentiment_score":0.6487092564348131,"channel":1,"num_words":16,"start":1308.07,"end":1311.85},{"sentences":[{"text":"No.","start":1312.04,"end":1312.3601,"sentiment":"neutral","sentiment_score":0.0952652245759964},{"text":"No problem, guys.","start":1312.3601,"end":1313.0801,"sentiment":"neutral","sentiment_score":0.18995425601800284},{"text":"Well, good luck with everything.","start":1313.0801,"end":1314.465,"sentiment":"positive","sentiment_score":0.43686392307281496},{"text":"With the the last few months, I'm sure I'll get pretty hectic with preparing for everything.","start":1314.465,"end":1318.0651,"sentiment":"neutral","sentiment_score":-0.06547617726027966},{"text":"So if I don't speak to you soon, good luck.","start":1318.0651,"end":1320.865,"sentiment":"neutral","sentiment_score":0.008449305593967438}],"sentiment":"neutral","sentiment_score":0.053894909364836555,"channel":0,"num_words":35,"start":1312.04,"end":1320.865},{"sentences":[{"text":"And then, yeah, the","start":1320.865,"end":1321.585,"sentiment":"neutral","sentiment_score":0.13077993504703045}],"sentiment":"neutral","sentiment_score":0.13077993504703045,"channel":0,"num_words":4,"start":1320.865,"end":1321.585},{"sentences":[{"text":"Thank","start":1321.5569,"end":1321.7969,"sentiment":"positive","sentiment_score":0.45965999364852905}],"sentiment":"positive","sentiment_score":0.45965999364852905,"channel":1,"num_words":1,"start":1321.5569,"end":1321.7969},{"sentences":[{"text":"best","start":1321.585,"end":1321.825,"sentiment":"positive","sentiment_score":0.4299125373363495}],"sentiment":"positive","sentiment_score":0.4299125373363495,"channel":0,"num_words":1,"start":1321.585,"end":1321.825},{"sentences":[{"text":"you.","start":1321.7969,"end":1322.2969,"sentiment":"positive","sentiment_score":0.4381798505783081}],"sentiment":"positive","sentiment_score":0.4381798505783081,"channel":1,"num_words":1,"start":1321.7969,"end":1322.2969},{"sentences":[{"text":"with everything.","start":1321.825,"end":1322.405,"sentiment":"positive","sentiment_score":0.4122319966554642}],"sentiment":"positive","sentiment_score":0.4122319966554642,"channel":0,"num_words":2,"start":1321.825,"end":1322.405},{"sentences":[{"text":"Thank you.","start":1322.5969,"end":1323.2369,"sentiment":"positive","sentiment_score":0.6547835469245911},{"text":"Have a lovely day.","start":1323.2369,"end":1324.4569,"sentiment":"positive","sentiment_score":0.7033603340387344},{"text":"Bye.","start":1324.5168,"end":1325.0168,"sentiment":"positive","sentiment_score":0.4113816916942597}],"sentiment":"positive","sentiment_score":0.6477700173854828,"channel":1,"num_words":7,"start":1322.5969,"end":1325.0168},{"sentences":[{"text":"Thanks, guys.","start":1324.865,"end":1325.505,"sentiment":"positive","sentiment_score":0.6492684483528137},{"text":"You too.","start":1325.505,"end":1325.905,"sentiment":"positive","sentiment_score":0.4230831414461136}],"sentiment":"positive","sentiment_score":0.5361757948994637,"channel":0,"num_words":4,"start":1324.865,"end":1325.905},{"sentences":[{"text":"Thanks.","start":1325.7169,"end":1326.117,"sentiment":"positive","sentiment_score":0.5586107969284058}],"sentiment":"positive","sentiment_score":0.5586107969284058,"channel":1,"num_words":1,"start":1325.7169,"end":1326.117},{"sentences":[{"text":"Bye.","start":1325.905,"end":1326.405,"sentiment":"neutral","sentiment_score":0.30831587314605713}],"sentiment":"neutral","sentiment_score":0.30831587314605713,"channel":0,"num_words":1,"start":1325.905,"end":1326.405},{"sentences":[{"text":"Thank you.","start":1326.117,"end":1326.5969,"sentiment":"positive","sentiment_score":0.5544284880161285},{"text":"Bye.","start":1326.5969,"end":1327.0969,"sentiment":"neutral","sentiment_score":-0.11500800400972366}],"sentiment":"neutral","sentiment_score":0.3312829906741778,"channel":1,"num_words":3,"start":1326.117,"end":1327.0969}]},"summary":{"result":"success","short":"The representative from Oakview Financial, Carl, discusses H effort's investment and emphasizes retaining hub 24 and updating the beneficiary information. The speaker recommends retaining the hub 24 and updating the investments to reflect the current situation. The speaker also discusses the benefits of diversifying investments and provides links to PDF links for investment options and insurance policy. The customer is advised to complete the process and sign a form if they find someone more locally or a bit more trusted."},"intents":{"segments":[{"text":"I had yourself and Marty booked in for that joint presentation this afternoon. Yes. Yes.","start_word":45,"end_word":59,"intents":[{"intent":"Book presentation","confidence_score":0.12505984}]},{"text":"I had yourself and Marty booked in for that joint presentation this afternoon. Yes. Yes. Is now still Yes. a good time for you? Yeah. That's fine. Perfect. Is Marty available with you there as well at the Yeah. moment?","start_word":45,"end_word":84,"intents":[{"intent":"Confirm reservation","confidence_score":0.008237131}]},{"text":"Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that. So Yep.","start_word":106,"end_word":136,"intents":[{"intent":"Pass security","confidence_score":0.07195259}]},{"text":"Thanks for that, guys. So I know it has been a while since we last spoke. I believe it's the annual reviews where we were sort of happy with how things were tracked. We were just gonna review things, and it was just on the back burner. Obviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document.","start_word":178,"end_word":248,"intents":[{"intent":"Discuss business changes","confidence_score":0.028682208}]},{"text":"I know when you got booked in, they went through and confirmed a few of your details there. Congratulations on the the expectation of a a kid there at the end of next month, was it? Yeah.","start_word":278,"end_word":314,"intents":[{"intent":"Confirm details","confidence_score":0.5734364},{"intent":"Confirm details","confidence_score":0.089043595}]},{"text":"And then for a team yourself, this is the tax file opt in form. I don't believe it was completed at your last annual review. It's basically just an update of where we store your tax file number and where they hold that on file. They just updated that form.","start_word":605,"end_word":654,"intents":[{"intent":"Update tax file information","confidence_score":0.4998066}]},{"text":"Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time. Make it quick, please.","start_word":684,"end_word":741,"intents":[{"intent":"Make project quick","confidence_score":1.6692982e-7}]},{"text":"Your budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child. We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well. If Okay.","start_word":1026,"end_word":1092,"intents":[{"intent":"Optimize budget and savings","confidence_score":0.014917652}]},{"text":"Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features.","start_word":1238,"end_word":1267,"intents":[{"intent":"Retain hub twenty four","confidence_score":0.12468105},{"intent":"Maintain hub twenty four","confidence_score":0.006701103}]},{"text":"you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments.","start_word":1331,"end_word":1369,"intents":[{"intent":"Change investments","confidence_score":0.38293064}]},{"text":"And then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December. So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things. Okay.","start_word":1419,"end_word":1478,"intents":[{"intent":"Make nominations valid","confidence_score":0.0005269473}]},{"text":"Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four.","start_word":1885,"end_word":1917,"intents":[{"intent":"Maintain and manage telstra super","confidence_score":0.00007347388}]},{"text":"Now with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in. Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio.","start_word":2141,"end_word":2198,"intents":[{"intent":"Update portfolio allocation","confidence_score":0.02261112}]},{"text":"But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense. Yep. Perfect.","start_word":2542,"end_word":2576,"intents":[{"intent":"Improve management costs","confidence_score":0.0017324283},{"intent":"Reduce costs","confidence_score":0.050907597}]},{"text":"For yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund. Now moving forward as well, we are recommending the same update to this new portfolio here.","start_word":2577,"end_word":2616,"intents":[{"intent":"Update portfolio","confidence_score":0.07304037}]},{"text":"That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense. Yep.","start_word":2732,"end_word":2768,"intents":[{"intent":"Smooth out volatility","confidence_score":0.13710614}]},{"text":"So as I said, yeah, very similar funds from when you first came on board there. But with that, we're both really looking updating to the the same investment fund. Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well.","start_word":2770,"end_word":2842,"intents":[{"intent":"Compare investments","confidence_score":0.0120757455}]},{"text":"But in addition to that, we consider gold more of a growth asset, which it's disclosed as.","start_word":2871,"end_word":2887,"intents":[{"intent":"Consider gold as investment","confidence_score":0.093921505}]},{"text":"As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything.","start_word":2991,"end_word":3015,"intents":[{"intent":"Review allocations","confidence_score":0.047468573},{"intent":"Adjust benefits","confidence_score":0.027945112}]},{"text":"As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding Yep.","start_word":3153,"end_word":3178,"intents":[{"intent":"Review beneficiaries","confidence_score":0.010517176}]},{"text":"But do you have access to a printer at all that you or you'd rather have it Yep.","start_word":3252,"end_word":3269,"intents":[{"intent":"Verify access and print copy","confidence_score":0.00035706573}]},{"text":"Because we can email a copy as well. It'll still have to Yep. be printed in, like yep. Fine.","start_word":3290,"end_word":3308,"intents":[{"intent":"Email copy","confidence_score":0.10300427}]},{"text":"Now in addition to a power of attorney, this is another important one that you can do in conjunction with your will sort of in regards to medical reasons or not or financial.","start_word":3494,"end_word":3526,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.00033825764},{"intent":"Resolve medical decisions","confidence_score":0.0004678759},{"intent":"Disclose power of attorney","confidence_score":0.00876691}]},{"text":"Now the device as far as it's concerned is quite simple in terms of, like, retaining everything, slight roll up for your self esteem, and then adjusting those investments, and then just making sure that state planning matters are dealt with.","start_word":3748,"end_word":3788,"intents":[{"intent":"Ensure satisfaction with device","confidence_score":0.00017115708}]},{"text":"So the the rollover for my Telstra Super, so brief would you be sending something overview. Yep.","start_word":4008,"end_word":4024,"intents":[{"intent":"Request fund rollover","confidence_score":0.08449309}]},{"text":"You don't actually have to fill a form out for that one anymore.","start_word":4047,"end_word":4059,"intents":[{"intent":"Complete forms","confidence_score":0.022279516}]},{"text":"So if you were happy with everything and doing the consolidation, they'd do it at all in the back end and also the investment update there for you. Alright.","start_word":4197,"end_word":4225,"intents":[{"intent":"Consolidate and clarify information","confidence_score":0.00013457629}]},{"text":"So you can't currently do get linked on that hub 24. You have already the coupling fee in place, and you have those ETPAs on file.","start_word":4348,"end_word":4373,"intents":[{"intent":"Confirm link","confidence_score":0.004841424},{"intent":"Check link","confidence_score":0.0072976826}]}]},"sentiments":{"segments":[{"text":"Yes, mate.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.2621162533760071},{"text":"Thanks.","start_word":2,"end_word":2,"sentiment":"positive","sentiment_score":0.5232597589492798},{"text":"Alright.","start_word":3,"end_word":3,"sentiment":"neutral","sentiment_score":0.3001759648323059},{"text":"You guys.","start_word":4,"end_word":5,"sentiment":"positive","sentiment_score":0.376720130443573},{"text":"Yeah.","start_word":6,"end_word":6,"sentiment":"neutral","sentiment_score":0.2974293529987335},{"text":"Thanks, man. See you.","start_word":7,"end_word":10,"sentiment":"positive","sentiment_score":0.4596992433071137},{"text":"Bye. Yeah. Bye. Hello?","start_word":11,"end_word":14,"sentiment":"neutral","sentiment_score":0.15380480885505676},{"text":"Good good afternoon, Hassim.","start_word":15,"end_word":18,"sentiment":"positive","sentiment_score":0.440816730260849},{"text":"It's Carl calling from Oakview Financial. How are you today? Well, not too bad. How are you? Yeah. Not too bad at all.","start_word":19,"end_word":41,"sentiment":"neutral","sentiment_score":0.2151605188846588},{"text":"Thanks for asking.","start_word":42,"end_word":44,"sentiment":"positive","sentiment_score":0.5570381879806519},{"text":"I had yourself and Marty booked in for that joint presentation this afternoon. Yes. Yes. Is now still Yes. a good time for you? Yeah. That's fine.","start_word":45,"end_word":71,"sentiment":"neutral","sentiment_score":0.17774541676044464},{"text":"Perfect.","start_word":72,"end_word":72,"sentiment":"positive","sentiment_score":0.39111265540122986},{"text":"Is Marty available with you there as well at the Yeah. moment? Yep. Yep. Just give me one sec. I'll I'll bring her in. One sec. Not a problem. Yes. She's with me. Brent, if I could pass yourself through security, that name, date of birth, and current address, and then Marty with that as well, and we'll get started on that. So Yep. My name is Aseem Perinat Suril. Date of birth, 03/10/1985. Address is 82 Style Way, County 3029, Victoria. Perfect. My Brilliant. full name is Marie Jose. Date of birth is 12/04/1983. Address is 82 Stylway, County 3029.","start_word":73,"end_word":173,"sentiment":"neutral","sentiment_score":0.0944167748093605},{"text":"Perfect. Brilliant for that. Thanks for that, guys.","start_word":174,"end_word":181,"sentiment":"positive","sentiment_score":0.5801584124565125},{"text":"So I know it has been a while since we last spoke. I believe it's the annual reviews where we were sort of happy with how things were tracked. We were just gonna review things, and it was just on the back burner. Obviously, there's been a lot of business changes, so I do apologize for how long it actually has taken to get you this document. In in saying that as well, it is a joint document there. Feel free after we have this phone call to have some time to to go through it. I know when you got booked in, they went through and confirmed a few of your details there.","start_word":182,"end_word":295,"sentiment":"neutral","sentiment_score":0.010249846614897253},{"text":"Congratulations on the the expectation of a a kid there at the end of next month, was it?","start_word":296,"end_word":313,"sentiment":"positive","sentiment_score":0.4543706774711609},{"text":"Yeah. It is.","start_word":314,"end_word":316,"sentiment":"neutral","sentiment_score":0.21157994866371155},{"text":"Thank you. Thank you.","start_word":317,"end_word":320,"sentiment":"positive","sentiment_score":0.4827041029930115},{"text":"Yeah.","start_word":321,"end_word":321,"sentiment":"neutral","sentiment_score":0.30241477489471436},{"text":"So that's exciting news.","start_word":322,"end_word":325,"sentiment":"positive","sentiment_score":0.4104406535625458},{"text":"Something big that's occurring. So I'm assuming that the business owner is on a little bit of a back burner for the meantime. Alright. Yeah. Understandable. But as far as everything else, I know it seem you had a little bit of a pay bump there as well. There's the kid, obviously, but as far as everything else, generally, everything's unchanged from where we sort of confirmed all your last details? Yeah. Pretty much.","start_word":326,"end_word":399,"sentiment":"neutral","sentiment_score":-0.09151918904201405},{"text":"Yeah. Perfect.","start_word":400,"end_word":401,"sentiment":"positive","sentiment_score":0.5438473224639893},{"text":"Now as I said, when we originally went through this, we were just looking at just reviewing your investments.","start_word":402,"end_word":420,"sentiment":"neutral","sentiment_score":0.15204086899757385},{"text":"You were quite happy with the the fund itself, but I will go through the document.","start_word":421,"end_word":436,"sentiment":"positive","sentiment_score":0.3411814272403717},{"text":"This will be going through to Asim for yourself. It will be to Asimpt@Outlook and Marty yours would be Martyj.p@Outlook.com, and that will Yes. be with you guys shortly. Now in Yep. this one here, it's a bit different, the Odoo to the DocuSign you've used previously. Similar sort of software. It just comes through in a bit of a different email. So your supporting documentation will be attachments in that. I have attached the statement advice as well as all your PDF documents to be able to look through as well and the Oakview financial services guide that has been updated there as well if you haven't received that copy and the Oakview services guide there as well. So that will be with you there shortly. There is also then the link which takes you to the document itself. It's where you would be able to sign it if you were happy with everything. Now in regards to the signable document, it's just a statement of advice. And then for a team yourself, this is the tax file opt in form. I don't believe it was completed at your last annual review. It's basically just an update of where we store your tax file number and where they hold that on file. They just updated that form. So that's Uh-huh. what that form is there as well. So just let me know when that comes through and you have that up in front of you. Now I'm I'm cautious for time if you guys do have stuff on so I can make it quite quick in terms of, like, running through the document today, and you can come back with any questions, or I can go a little bit more in-depth if you do have a bit more time. Make it quick, please. Yeah.","start_word":437,"end_word":741,"sentiment":"neutral","sentiment_score":0.0936892422984858},{"text":"Understandable.","start_word":742,"end_word":742,"sentiment":"positive","sentiment_score":0.3502008318901062},{"text":"So I'll get started on that. Obviously, there is a document created for you, yourself, Hassim, and Marty Yep. there in regards that it was prepared by myself, the team here as an authorized representative under the Oakview Financial Services license there as well. There is a Mhmm.","start_word":743,"end_word":790,"sentiment":"neutral","sentiment_score":0.13776898384094238},{"text":"best interest, Judy, that we can't put you in a better position. Obviously, we don't give advice. It's part of what we're bound by.","start_word":791,"end_word":814,"sentiment":"negative","sentiment_score":-0.3944370448589325},{"text":"Now in terms of the advice itself, I don't know. It it was a little while ago there. So, obviously, thinking back a little bit there, we were just reviewing the superannuation side of things, the investments within that to see if it was still appropriate. Now since we did have that last previously discussion, we completed that e t p a. So you can talk about each other's accounts. In terms of, like, the coupling fees and linking of hub twenty four, that has been all completed in the back end in the time since we last spoke. And then, obviously, we have referred you under a few of our partners there in regards to the Oakview sort of strategic alliance there in terms of trusted partners, whether or not you took up QCA's services or the lawyer services there at the time. That was completely up to you. And then in regards to that as well, we just touched on the estate planning side of things, which is included in the document here. Now as far as things that we've touched on, we're aware of, we're a bit of accountability partners for now. Your insurances, you're happy with how they're currently.","start_word":815,"end_word":1017,"sentiment":"neutral","sentiment_score":0.04194837063550949},{"text":"We didn't review those at this time.","start_word":1018,"end_word":1024,"sentiment":"negative","sentiment_score":-0.37320050597190857},{"text":"Your budget and savings, because I know you were, one, saving up for the business and now two, obviously, saving up for the child. We can send through the the budget planner if you guys would like just to have something or a tool to be able to utilize in your own time if you do wanna sort of work out a budget as well. If Okay. you'd like that to be sent through, you can utilize for your own purposes.","start_word":1025,"end_word":1105,"sentiment":"neutral","sentiment_score":0.2835526466369629},{"text":"It is sort of edible. It is just an Excel spreadsheet, but it just makes everything nice and pretty on paper.","start_word":1106,"end_word":1126,"sentiment":"positive","sentiment_score":0.4355162978172302},{"text":"In terms of the debt management, obviously, you've got the primary residence there that you're looking to pay down. We're not doing anything in regards to that. And then for a future reference, potentially, you wanna look at salary sacrifice, but not at this time, and then investment property down the track there as well. But that's all sort of later stage. So at Yep. the moment, just looking at that super insurance and then also a little bit of travel and the the business there that you were potentially starting up, that's all scoped out of this advice piece. Now in terms of the advice itself, it is quite simple. Now we are looking at retaining that hub twenty four, not only because it's still an appropriate fund for you both, it is still competitive in, like, price, the features. I'm not too sure how much you guys go on and play around with it.","start_word":1127,"end_word":1282,"sentiment":"neutral","sentiment_score":0.09559928625822069},{"text":"But it is quite good compared to some alternatives there. In addition to that one, you do also have the family linking not only with OQ, but with Hub twenty four, which lowers those administration fees, which lowers those overall costs as well.","start_word":1283,"end_word":1325,"sentiment":"positive","sentiment_score":0.3754343092441559},{"text":"So we are recommending Yes. you retain those and look at just one for yourself as seen consolidating a bit more of your balance from that Telstra super and then Marty yourself retaining hub twenty four and then both just changing those underlying investments. In addition to that one there as well, looking at Marty, I know we sent you off the NEOS form for the beneficiary because that one didn't come back. I don't believe it still has come back, so that is still outstanding for the beneficiary side of things. And then, Asim, via Telstra Super, because you can't do non lapsing for those nominations, that will actually lapse at the end of this year in December. So it's important that you have that updated as well at some point throughout the year to ensure that you do have a valid nomination for that Telstra super side of things. Okay. That's Yep. I do it on on the Delta Super. Right? Not not with you. We can get you a form if you'd like, or, yeah, you can do it on the the Telstra super. I'm not too sure from memory if they allow you to do it without the signatories. But if they do, you'd have to do the form. But we can get you a copy of the form once you get the close to the date there as well if you'd like. Alright.","start_word":1326,"end_word":1563,"sentiment":"neutral","sentiment_score":0.09617966119231296},{"text":"Yes. Sure. Perfect. And then, obviously, you know, especially with the kid on the way as well, establishing, like, a will of power of attorney, getting your estate planning matters just sorted.","start_word":1564,"end_word":1595,"sentiment":"positive","sentiment_score":0.4534836709499359},{"text":"So in the event that anything did happen, that nothing sort of out in the question. Now on page eight there, you'll see your details, the about you section for you both. In addition, the next page over you see the assets and liabilities side of things. Now on the the page over on page 10, you'll see where you're currently held in terms of your balances, in terms of where insurances are held. Now for yourself, Asim, you do have that IP paid through work and then the life and TPD as well. Now we're looking at still retaining that due to the the cost and getting obviously a benefit portion paid by your employer.","start_word":1596,"end_word":1711,"sentiment":"neutral","sentiment_score":0.2001118510961533},{"text":"And then you still got that top up. We're keeping that there as well for yourself, mate. You still got those New Year's insurances for the life, TPD, and income protection as well.","start_word":1712,"end_word":1744,"sentiment":"positive","sentiment_score":0.43009892106056213},{"text":"Even with being on maternity leave, you can look at potentially pausing it. But even if you are intending to return back to work within that that twelve months, likely, we're just gonna keep those active in the event that you obviously do return as well in that time period as opposed to having it switched off in that time. Yep. Mhmm. As far as the risk profile goes, I see him you scored the high growth.","start_word":1745,"end_word":1821,"sentiment":"neutral","sentiment_score":0.19711699714134265},{"text":"Marty, you did score growth, which is a little bit below what you're currently invested, but after some discussions, you were happy with the high growth.","start_word":1822,"end_word":1847,"sentiment":"positive","sentiment_score":0.3354940712451935},{"text":"So currently, both the recommendations sit around that ninety ten split, about 90% growth assets, about 10% defensive. But I'll let you guys have a read through about bit more about high growth and what that means. Now for yourself, Hussein, we're just looking at keeping that 10,000 retention with Telstra Super just to keep those insurances active and then consolidating the rest of that to that hub twenty four.","start_word":1848,"end_word":1917,"sentiment":"neutral","sentiment_score":0.3169081509113312},{"text":"Now by maintaining the the hub twenty four fund, obviously, of the additional benefits, those aggregate trading, the linking between your two accounts, in addition to that one there, you don't have to realize any capital gains and underlying in addition with hub twenty four still being quite a good product in the market compared to the alternatives.","start_word":1918,"end_word":1975,"sentiment":"positive","sentiment_score":0.3821006119251251},{"text":"So if you look on page 15 there, you'll be able to see the breakdown of approximately 31,000 of your Telstra Super will go into the hub 24, and then it'll be reinvested in line with the investments that are recommended. Yes. So on page 18 there, you'll see the breakdown of that in the sales and the buyers. Now your portfolio currently was a little bit tech focused as well.","start_word":1976,"end_word":2046,"sentiment":"neutral","sentiment_score":0.2343081384897232},{"text":"Now about half of that's done really, really well, and then the other half did well.","start_word":2047,"end_word":2062,"sentiment":"positive","sentiment_score":0.37669891119003296},{"text":"And then started this year, I'm not too sure if you're paying much attention, but AI and just the markets in general have taken a little bit of a dive. So we're looking at diversifying that a little bit and still having some allocation to the cybersecurity side of things with the beta shares hack and then also just moving it more in line with where we're sort of going as a company with the investment direction. Now with this as well, it is removing that underperforming Benelon that we were sort of wary of and keeping an eye of and you were quite heavily allocated in. Now that did take a bit of a dive, but in regards to to that one, it will offset some of the changes when switching up the portfolio. Because you are quite heavily invested in that active portion, it did take quite a a bit of a hit with that one. But moving forward, you won't have that active portion, and you'll actually be a lower ongoing cost in terms of, like, investment fees, if that makes sense Okay. for you there, Asteem. Now in terms of, like, the allocation to growth versus defensive, you'll have slightly higher in terms of having a bit more allocation to growth, but you won't have that active manager risk, and you'll have a bit more diversification across the investments you hold. You won't have quite a higher allocation towards any sort of singular asset apart from the S and P 500, which is that index fund.","start_word":2063,"end_word":2322,"sentiment":"neutral","sentiment_score":0.14613382223133858},{"text":"That's the top 500 companies in America, which are quite strong historically.","start_word":2323,"end_word":2334,"sentiment":"positive","sentiment_score":0.437822550535202},{"text":"Yep. Now in terms of the breakdown of that and the projection of that, obviously, projections are based on this time, the three year rolling average just due to the the funds there and how long they've existed for. But a three year rolling average, and that sort of highlights what that change may look like. Now the key figures there are mainly the investment fee. Now consolidating the funds down to closer to one fund more so, you lower those fees of holding across two accounts. In addition to that one, you also lower the investment fees of having between the the two funds in the active portion versus that passive portion.","start_word":2335,"end_word":2447,"sentiment":"neutral","sentiment_score":0.15614867210388184},{"text":"So you will be saving on that one. With that one with projected growth, it does mean the adviser fee does jump up a little bit, but that's just based on those higher returns because, obviously, those indexes have been doing quite well for the past three years.","start_word":2448,"end_word":2495,"sentiment":"positive","sentiment_score":0.4223582148551941},{"text":"But, obviously, returns are sort of calculated on that, but nothing's gonna replicate year on year on year. So it's to be taken with the grain of salt, as I said, but it gives you a bit of an idea of what that may look like. But the main concern there is you'll obviously be saving on investment costs moving forward, which is a guaranteed savings that will go back into to growing your fund, if that makes sense.","start_word":2496,"end_word":2574,"sentiment":"neutral","sentiment_score":0.1136368152838719},{"text":"Yep. Perfect. For yourself, Marty, because you guys came on board around a similar sort of time as well, you both are in the same fund. Now moving forward as well, we are recommending the same update to this new portfolio here.","start_word":2575,"end_word":2616,"sentiment":"positive","sentiment_score":0.42267701029777527},{"text":"As I said to Asim, there is well maintaining that hub twenty four.","start_word":2617,"end_word":2629,"sentiment":"neutral","sentiment_score":0.322867214679718},{"text":"You keep your linking between your two accounts. It's lower administration costs, which aren't actually disclosed. And this the the fees for hub twenty four will actually come down lower than what I projected.","start_word":2630,"end_word":2663,"sentiment":"positive","sentiment_score":0.4291783571243286},{"text":"We just project the higher amount. But having those accounts link, it links those funds as well. Now Mhmm. with yourself being off work for a little bit of time as well, you know, staying home, caring for the above for how long you're sort of off, it'll also reduce those costs moving forward for your investments and why you're not having contributions and going in as well. That'll sort of help smooth out not only a bit of volatility with having less of that active portion, but then also paying less ongoing costs, which goes back into to growth, if that makes sense. Yep.","start_word":2664,"end_word":2768,"sentiment":"neutral","sentiment_score":0.2867873013019562},{"text":"Perfect.","start_word":2769,"end_word":2769,"sentiment":"positive","sentiment_score":0.45015233755111694},{"text":"So as I said, yeah, very similar funds from when you first came on board there. But with that, we're both really looking updating to the the same investment fund. Now on yours one on page 25, you'll be able to see the breakdown of what you're selling out of, what's what you're buying into with those buyers and sales, and you can see the investments that you'll be going into as well.","start_word":2770,"end_word":2842,"sentiment":"neutral","sentiment_score":0.28004881739616394},{"text":"You still got quite a healthy portion to the defensive side of things with the the beta shares, bank hybrids, and across the the rest of the fund.","start_word":2843,"end_word":2870,"sentiment":"positive","sentiment_score":0.37338846921920776},{"text":"But in addition to that, we consider gold more of a growth asset, which it's disclosed as. You also, between the both of you as well, having that gold, it can act as a bit of a defensive portion as well with what's going on in the markets.","start_word":2871,"end_word":2918,"sentiment":"neutral","sentiment_score":0.2376024496431152},{"text":"But given what's happened in the past few years, obviously, it's done quite well and is considered a bit more of a growth asset currently.","start_word":2919,"end_word":2943,"sentiment":"positive","sentiment_score":0.455806702375412},{"text":"But in times of sort of people get a little bit more defensive, you know, Trump playing around in his tariff talks, people tend to go back to that hard currency a little bit there as well, which contributed to its price spike a little bit. Mhmm. As far as the allocations, very much similar to Asim's there as well, but I won't dribble on the the benefits and disadvantages of everything. But your table there is on page 27 in terms of the projections.","start_word":2944,"end_word":3028,"sentiment":"neutral","sentiment_score":-0.0639900267124176},{"text":"Now for yourself, it'll save you roughly around $355 per annum in investment costs because your funds are fully consolidated there as well.","start_word":3029,"end_word":3051,"sentiment":"positive","sentiment_score":0.4682634770870209},{"text":"Obviously, Stuart insurance premiums coming out of that one in terms of the the cost that you do pay, but you can't really pay those as well. So that is state zero currently, but you are still paying those with the the current circumstances. Now as I said, if you did wanna review those, if you decide to, you know, stay off work longer and not potentially go back to work as well with income protection and adjusting that for being a stay at home mother, those are all things we can look at as well for you. Okay. Yes. Okay. As far as the beneficiary side of things goes, for yourself, Marty, now with that one, there is well, the Neos one is still outstanding Yep. from when we sent it. Do you still have a copy of that No. I I don't I I thought I sent completed and send it back. But if you could send me another form, I'll I'll try to get that I'll try to get that back to you. one? Yep. Not a problem. The snail mail can be a little bit unpredictable whether or not it makes it there or not. But do you have access to a printer at all that you or you'd rather have it Yep. just sent in the mail? Do you have access to a And printer? I do have access to your printer. Yep. Because we can email a copy as well. It'll still have to Yep. be printed in, like yep. Fine.","start_word":3052,"end_word":3308,"sentiment":"neutral","sentiment_score":0.07937414007775978},{"text":"No I problem.","start_word":3309,"end_word":3311,"sentiment":"positive","sentiment_score":0.3662591576576233},{"text":"can do that. And as I said for yourself, Hassain, your one for Telstra Super will expire on the December 5. So we could also just email you a copy of, like, how to redo that one and recomplete Yeah. it when that does expire Yeah.","start_word":3312,"end_word":3357,"sentiment":"neutral","sentiment_score":0.16995930671691897},{"text":"Sure. as well. Perfect.","start_word":3358,"end_word":3361,"sentiment":"positive","sentiment_score":0.45497575402259827},{"text":"The next section on there is obviously in regards to a will and establishing a will. Now because you guys obviously, for one, have some joint assets together as well in addition to the child on the way. It is important to have, you know, a will set up in the event that anything did happen, and you can also future do those for expected children as well. Now it just means if anything did happen, it just means that they're they're distributed per your wishes. In addition to that as well, it just means we'd like the way the properties are held and sort of vehicles, other sort of assets that family members want want and sort of things as well and gifting to other sort of things in Yep. writing. Now in addition to a power of attorney, this is another important one that you can do in conjunction with your will sort of in regards to medical reasons or not or financial. It just means that you're incapacitated in any way that the normally, your spouse has the power to make those decisions if it does kick in for whatever reason. So they can either, for one, still pay bills, sign off on certain things, or in the event that sort of anything did happen medically that you know how you want to be dealt with, whether it's not, you know, pull the plug, things like that. Whether it's in a pit on a document there as well, it just means that with that, it takes those hard decisions out of family members' hands in those sort of difficult times.","start_word":3362,"end_word":3634,"sentiment":"neutral","sentiment_score":0.10211767256259918},{"text":"Yep. Perfect.","start_word":3635,"end_word":3636,"sentiment":"positive","sentiment_score":0.6756820678710938},{"text":"Now within regards to the remuneration and what we still get for for both of you there, it is dropped down to that 1.1 for that coupling fee that did come out as a result of your your last annual review. So that's still in place. And then we still get 22% of the ongoing premiums of those insurances for maintaining those. Obviously, the one that you hold with your Super there, I think, that one is separate, and we don't get anything from that or that account. It's just based on the funds you hold on the hub twenty four and the insurance policy with Neos there as well. Yep. Now the device as far as it's concerned is quite simple in terms of, like, retaining everything, slight roll up for your self esteem, and then adjusting those investments, and then just making sure that state planning matters are dealt with. Now in terms of, like, what does happen if you are happy with it, as I said, I've gone through this really quite quickly due to time, but feel free to have a read through, see if you have any questions or concerns. You also have a link to PDF links for all the the investment options if you do wanna review those and have a look at any of those. Yep. And then if you were happy to and did sign, we'd obviously go in the back end and deal with those investment updates in addition to that role over there as well as far as the beneficiary forms that so if you have to complete and the the estate planning matters with, like, a will and a power of attorney is something you'll have to deal with or speak to a lawyer, which we can send through that referral to our trusted partner again. But if you're happy sort of finding someone more local or someone a bit more trusted as well locally or family Yep. Sure. friend. Yeah.","start_word":3637,"end_word":3969,"sentiment":"neutral","sentiment_score":0.1823601871728897},{"text":"That's not a problem.","start_word":3970,"end_word":3973,"sentiment":"positive","sentiment_score":0.36870062351226807},{"text":"But do you both have any questions in regards? As I said, really quite quick. It didn't really touch on a whole heap of it, but just a No. very That's that's fine. So the the rollover for my Telstra Super, so brief would you be sending something overview. Yep. for that for So to rollover the funds? with that one, it can be direct like, request directly from your hub twenty four. You don't actually have to fill a form out for that one anymore. They don't actually accept hub twenty four. The forms, it is just done through the the platform itself. If you were happy with everything, it'd just be based on the the last research that was done for your fund, and then that would press that amount so you still have $10,000 remaining there just to make sure that insurance premiums are paid. But given that your insurance premium cost isn't that high due to your employer paying for the IP portion and your contributions going in there, even if it was sort of fell a bit below the 10,000 next year anyway. Okay. So I have to do it in the portal? Is that No. But, like, Okie will do that for you in the back okay. end there as well. Alright. Yeah. Okay. No worries. Yeah. So if you were happy with everything and doing the consolidation, they'd do it at all in the back end and also the investment update there for you. Alright. No worries. Yeah. But as I said, very brief overview. How about yourself, Marty? Were you happy with every do you have any questions regarding that at the moment? Do you wanna take it home No. and have a It's bit of a read all with good. it? No. Thank you.","start_word":3974,"end_word":4276,"sentiment":"neutral","sentiment_score":0.054686105155413695},{"text":"That's all good.","start_word":4277,"end_word":4279,"sentiment":"positive","sentiment_score":0.38227349519729614},{"text":"No questions. Thank you. No. That's not a problem at As I said, very brief overview, but it is quite a simple straightforward document there as well with regards to that investment update and just the estate planning matters. But feel free to have a a read through of all those advantages, disadvantages, and come back with any questions you might have. I can let you know. Yeah. So you can't currently do get linked on that hub 24. You have already the coupling fee in place, and you have those ETPAs on file. So should you ever wanna call up and ask just, you know, where each other's account's right or just general queries as well, you're able to to do that with those forms in place? Just no worries. No problem. Did you guys have any questions for me before I let you get back to your your busy days? No.","start_word":4280,"end_word":4432,"sentiment":"neutral","sentiment_score":0.09894509569687002},{"text":"Thank thank you so much. Thank you so much for your time. Really appreciate it.","start_word":4433,"end_word":4447,"sentiment":"positive","sentiment_score":0.6832475066184998},{"text":"No. No problem, guys.","start_word":4448,"end_word":4451,"sentiment":"neutral","sentiment_score":0.1644798219203949},{"text":"Well, good luck with everything.","start_word":4452,"end_word":4456,"sentiment":"positive","sentiment_score":0.4169574081897736},{"text":"With the the last few months, I'm sure I'll get pretty hectic with preparing for everything. So if I don't speak to you soon, good luck. And then, yeah, the Thank best you.","start_word":4457,"end_word":4489,"sentiment":"neutral","sentiment_score":0.02023763582110405},{"text":"with everything. Thank you. Have a lovely day. Bye. Thanks, guys. You too. Thanks.","start_word":4490,"end_word":4503,"sentiment":"positive","sentiment_score":0.5672045946121216},{"text":"Bye.","start_word":4504,"end_word":4504,"sentiment":"neutral","sentiment_score":0.30831587314605713},{"text":"Thank you.","start_word":4505,"end_word":4506,"sentiment":"positive","sentiment_score":0.5630553960800171},{"text":"Bye.","start_word":4507,"end_word":4507,"sentiment":"neutral","sentiment_score":0.2932201027870178}],"average":{"sentiment":"neutral","sentiment_score":0.1555209510931655}}}}