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I won't take up too much of your time today, but I had some pretty good outcomes for your updated plan. So I just wanted to kind of run the key points by you and then just kind of leave the documents with you to to have a read through if you're comfortable with the plan, if that's alright. Cool. I'm gonna pop them through to your email just so you've got them. Were you gonna look onto it with me, or should I just kinda walk you through it? Yep. Alright. Just give me one sec. And just while I'm doing that, mate, can I just confirm date of birth and address for security? Perfect. Now that should come through pretty quickly. I'm just gonna hit a little bit of a resend there for you. There's about six documents there. Most of them are product documents, a bit of updated research as well, but the main one is just the statement of advice. So just let me know if you can see that coming through. That's the one. So pop into there. If you hit the purple button, it'll bring up the documents to scroll through. It'll let you scroll through them and skip around to the different documents as well. Now you should see that beachfront city picture for the Gold Coast on it. Beauty. So if you pop down just a couple of quick sort of housekeeping items on page three and four is a scope of advice. So I've got your and Daniella's retirement goal in there. We were obviously looking at updating your portfolio. I went through pretty heavily with the insurances. Just got the comparisons with Ali Insurance, all the cover for income protection and trauma and everything in there. There's, on the next page, a couple of reminders about the estate planning side of things just in terms of, you know, a will and a power of attorney and so on. And I've included those contributions as well. So whatever was coming in from one of the, debt management at this point, and no personal investment advice in this document. Just swing through to pages seven and eight, you'll see the about you section where we've got your occupation as a graphic designer. We've got your email, phone number, a $150 approx. Asset to liabilities, the home shares, car offset account, and just the in the car loan there. Now if you swing through, page nine's got your Ali Group cover from the last figure that we had. Now what I found from that one is they would have had a bit of a policy anniversary, so the covers would be a tiny bit different and a little bit more expensive than this. This was just from June 11. We did have Daniella's portion of it, but they weren't sending through yours yet. But I did confirm with them, with the joint policy, you can actually, like, essentially drop off the policy, no longer be a life insured. The premiums for your portion will just be wiped out, essentially. So and it won't impact her cover. Now if you go down to next one, we've just got your risk profile still as high growth. Again, it's the engine tune up rather than a full sweeping change. Pages twelve and thirteen have strategy recommendations. It's pretty text heavy and some advantages and disadvantages. The main thing is we found far more affordable investments, a lot lower investment fees. The trade off for it is because they are ETFs, There's a little bit of capital gains tax inside the super to switch them around, which is only a couple of $100, and there's some brokerage fees. So they usually charge, like, 0.11% to purchase them. And then from that day onwards, they're kind of the cheapest investments. Now if you go down to the actual figures, table, second last column under target weight, you can just see the round figures there, the seven percent zero six nine. Can you see that? So what this is essentially doing is rebalancing the investments back to the model portfolio, each allocation. The second row, Bennelong, which was underperforming, is being removed. And the second last one, beta shares Australia 200, that's your replacement index option for that portion. There's a bit And and just some deployment of some cash that was building up as well. But if you go to the main figures on '17 and '18, you'll see the pie chart there for the asset allocation. Middle row, growth total in gray. High growth, you're aiming for about 90% or 90 to 100. You're sitting at 91, and you'll bump up slightly to 94 with the rebalance. The fee comparison on the next page, I've highlighted the differences in green and red for you. So top right, the difference there, the $2.23, that's capital gains tax that the super options had holding under the hood. The investment fees there, $751 less. It's percentage based, the investment fees, but that's just based on that balance. So it goes from that $9.87 down to $2.36. It's pretty much like a 70% reduction in investment fees. Adviser service fees go up a tiny bit because, obviously, the balance is increasing and insurance premium. So a full suite policy came out to about 1,400 after the 15% rebate. And the bottom row, performance average. So just on the five year rolling average, this brings it back up to those double digits hitting around the sort of 12.37% mark. Again, high growth, you kind of want 10 or above. Updated projections under that table. So the impact of it should be somewhere between 50 to 150,000 over the next five and ten years, factoring in the premiums, the capital gains, the brokerage, performance, and investment fees. Performance table after that, you can just see a bit more consistency over one, three, five, and ten years. Just trying to make sure all time periods are in that area. And that's pretty much it for the super so far. So I factored in all the contributions. The portfolio should be right on track again. And then we come to the insurance section. Do you have any questions on that so far? Cool. When it comes to the insurances, so comparing the top four providers, Neos came out the best for you. And I did confirm for them that you you do obviously see clients a little bit as well. So they were totally happy with the occupation rating, which came out really well. We've got the top table you can see here on page 20, life, TBD, and income protection. So what I've essentially done here is the 480,000 that we had noted for Ali, it's being replaced by this life policy in super where it gets, like, a 15% tax rebate. Attached to it is 486,000 worth of total disability. So there's a lump sum if you can never work again, so you don't currently have that. That's getting added on. Quick little point on linking cover. It shares the same pool of life insurance funds. So if you claim on TPD like you're in a car accident, you can never work again and get 400,000, it'll deplete the life insurance by that amount. But there's a a life cover buyback that'll fill it back up again. Claim on both. The income protection came out pretty good. So we were able to get the thirty day waiting period, which is the kind of standard mainline and a benefit of all the way up to the age of 65. I've got the cover amount set as 8 thousand 750 a month worth of cover, which, again, just bear in mind, that's a couple of grand a week just under after tax. It's the full 70% maximum, which covers the $150 worth of income. Again, came out pretty good on the pricing there. And then what I've also done is for your out of pocket costs. On the next page, you can see life and critical illness in that next little table. So instead of that kind of 900 or a thousand or above for the life insurance and trauma that you've got with Ali, came out to $22.27 a month. So $22.27. Just under 300 bucks. About 1,000. Yeah. If you add on the life that's inside super, it probably brings up the total. I've got it noted down here. Bear with me two secs. We've got a few 100 for that. Yeah. So it's about, like, $5,600 all up instead of a thousand when you got all the yeah. And the crazy thing too is in the appendix, you'll see there's a little comparison table in feature scores. That's all, like, the fine print under the hood. Most providers were all bouncing between 80 and 90. Ali came out at 60, and Nios was 91, the sort of second highest feature score, but the lowest cost. Underneath that, mate, there's a big wall of text there just basically saying you will now have TPD and income protection that you didn't have before. You'll have replacement life and trauma cover, which are more affordable, better quality. Technically, what I've done is to make the trauma cover even cheaper is I linked a tiny bit of life insurance to it, and it actually is cheaper than just having trauma by itself. And so, technically, you're over insured by a $145, but it was less than not having it. K. So I think you should be good to replace it. The only thing you wanna do before you cancel anything is just make sure the policy gets through the underwriting and it comes out okay. I think the only thing we had noted down was a shoulder concern, which I don't think they had much of a problem with. Decades. Yep. Yep. Exactly right. We've got a bit of an impact table on page 23 where it just says, look, if you do have insurance versus not, what are the differences there that it actually makes to the super? Because obviously, premiums slow down the growth. Gotta keep a lid on cost. And outside of that, page 26 onwards is basically your tax tables for the contributions that you're doing. If you recall, we were kind of looking at doing that notice of intent to claim for your tax return to claim the contributions. So I don't know if you've gotten the confirmation letter from that just yet, but if not, just make sure you get that before. Okay. I'll follow that up with the admin team. Just make sure you get that before you submit your tax return. Yeah. So I believe the amounts that went in there previously, I think there was a forgive me if I'm wrong on this one, 4 and a thousand for last financial year. That's gonna be claims. Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with. We'll do the same for this financial year once it finishes, but I have just put in there that thousand a month. Year once it finishes, but I have just put in there that thousand a month. And then when it comes time for June, we'll do another one of these intent to claim forms for you. From there, everything else in the document is basically just why you should establish a will and a power of attorney for the estate planning. But that's about it. Once we put in place the Neos policy, we'll obviously have to put a beneficiary nomination down as well. So if you just want me to kind of mimic what you've got on the super there, we can kind of just mirror that. Yeah. Yep. So if you want me to do it that way, I'll just match it up. Perfect. And that's it. So, basically, the steps from here is I'll make sure that notice is done so your contributions are sort of the tax. We'll get you booked in to go through the personal statement application for Neos. And then once it's approved, then you should be sweet to to can the hourly portion for yourself. Awesome. As cool. As soon as this comes back signed, we'll pretty much do the investment switches this week anyway. That's something we can just do online. We don't have to send any further forms for that. The other thing too is I think the third document is just the service agreement. You guys are still on the 1.1% partner discount with Oakview. So that just kind of refreshes the consent on the super funds from the July 14 to the July 14. That's kind of like your revolving reference date. Cool. A couple of PDFs is there. When it comes to these documents, so the the buttons will kind of bring you to the spot to sign. It'll stamp on their signatures and so on. There is a quote with Neos to sign as well. Outside of that, you can basically just hit skip, like, next document or scroll through them. Just bear in mind that the last three doc last two documents, they're about eighty four and sixty six pages long, product documents. Yeah. It's just for your reference there as well. Once you get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records. Cool. Did you want me to book in a bit of a time to go through the insurance application with the implementation team? Do you kinda know what your movements are like for the next week or two? Yep. Easy done. Same time next week. If there's any issues, I'll get the team to reach out straight away, but I'll get that in for you for personal statement and give you a bit of a heads up message beforehand. Sweet. Outside of that, I'll reach out to Danny and go through her updated plan as well. And do you have any questions for me? Cool. Well, I appreciate it. We had a pretty good outcome there, so all is well that ends well. And I'll update everything on file, And you'll probably be getting a call from Jack on next Monday just to go through the insurance application, and he will give you an update on the rest of the implementation as well. But in between, just keep an ear out for that email for the contributions. No worries. Anytime at all, just give us a buzz. Thanks, Don. You too. Cheers. 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Dom. It's Tommy here from Oakview. How are you doing? Alright. Living in so far.\n\nA little bit tired. Kids have got me running around a little bit. What about you? No worries, mate. I won't take up too much of your time today, but I had some pretty good outcomes for your updated plan.\n\nSo I just wanted to kind of run the key points by you and then just kind of leave the documents with you to to have a read through if you're comfortable with the plan, if that's alright. Cool. I'm gonna pop them through to your email just so you've got them. Were you gonna look onto it with me, or should I just kinda walk you through it? Yep.\n\nAlright. Just give me one sec. And just while I'm doing that, mate, can I just confirm date of birth and address for security? Perfect. Now that should come through pretty quickly.\n\nI'm just gonna hit a little bit of a resend there for you. There's about six documents there. Most of them are product documents, a bit of updated research as well, but the main one is just the statement of advice. So just let me know if you can see that coming through. That's the one.\n\nSo pop into there. If you hit the purple button, it'll bring up the documents to scroll through. It'll let you scroll through them and skip around to the different documents as well. Now you should see that beachfront city picture for the Gold Coast on it. Beauty.\n\nSo if you pop down just a couple of quick sort of housekeeping items on page three and four is a scope of advice. So I've got your and Daniella's retirement goal in there. We were obviously looking at updating your portfolio. I went through pretty heavily with the insurances. Just got the comparisons with Ali Insurance, all the cover for income protection and trauma and everything in there.\n\nThere's, on the next page, a couple of reminders about the estate planning side of things just in terms of, you know, a will and a power of attorney and so on. And I've included those contributions as well. So whatever was coming in from one of the, debt management at this point, and no personal investment advice in this document. Just swing through to pages seven and eight, you'll see the about you section where we've got your occupation as a graphic designer. We've got your email, phone number, a $150 approx.\n\nAsset to liabilities, the home shares, car offset account, and just the in the car loan there. Now if you swing through, page nine's got your Ali Group cover from the last figure that we had. Now what I found from that one is they would have had a bit of a policy anniversary, so the covers would be a tiny bit different and a little bit more expensive than this. This was just from June 11. We did have Daniella's portion of it, but they weren't sending through yours yet.\n\nBut I did confirm with them, with the joint policy, you can actually, like, essentially drop off the policy, no longer be a life insured. The premiums for your portion will just be wiped out, essentially. So and it won't impact her cover. Now if you go down to next one, we've just got your risk profile still as high growth. Again, it's the engine tune up rather than a full sweeping change.\n\nPages twelve and thirteen have strategy recommendations. It's pretty text heavy and some advantages and disadvantages. The main thing is we found far more affordable investments, a lot lower investment fees. The trade off for it is because they are ETFs, There's a little bit of capital gains tax inside the super to switch them around, which is only a couple of $100, and there's some brokerage fees. So they usually charge, like, 0.11% to purchase them.\n\nAnd then from that day onwards, they're kind of the cheapest investments. Now if you go down to the actual figures, table, second last column under target weight, you can just see the round figures there, the seven percent zero six nine. Can you see that? So what this is essentially doing is rebalancing the investments back to the model portfolio, each allocation. The second row, Bennelong, which was underperforming, is being removed.\n\nAnd the second last one, beta shares Australia 200, that's your replacement index option for that portion. There's a bit And and just some deployment of some cash that was building up as well. But if you go to the main figures on '17 and '18, you'll see the pie chart there for the asset allocation. Middle row, growth total in gray. High growth, you're aiming for about 90% or 90 to 100.\n\nYou're sitting at 91, and you'll bump up slightly to 94 with the rebalance. The fee comparison on the next page, I've highlighted the differences in green and red for you. So top right, the difference there, the $2.23, that's capital gains tax that the super options had holding under the hood. The investment fees there, $751 less. It's percentage based, the investment fees, but that's just based on that balance.\n\nSo it goes from that $9.87 down to $2.36. It's pretty much like a 70% reduction in investment fees. Adviser service fees go up a tiny bit because, obviously, the balance is increasing and insurance premium. So a full suite policy came out to about 1,400 after the 15% rebate. And the bottom row, performance average.\n\nSo just on the five year rolling average, this brings it back up to those double digits hitting around the sort of 12.37% mark. Again, high growth, you kind of want 10 or above. Updated projections under that table. So the impact of it should be somewhere between 50 to 150,000 over the next five and ten years, factoring in the premiums, the capital gains, the brokerage, performance, and investment fees. Performance table after that, you can just see a bit more consistency over one, three, five, and ten years.\n\nJust trying to make sure all time periods are in that area. And that's pretty much it for the super so far. So I factored in all the contributions. The portfolio should be right on track again. And then we come to the insurance section.\n\nDo you have any questions on that so far? Cool. When it comes to the insurances, so comparing the top four providers, Neos came out the best for you. And I did confirm for them that you you do obviously see clients a little bit as well. So they were totally happy with the occupation rating, which came out really well.\n\nWe've got the top table you can see here on page 20, life, TBD, and income protection. So what I've essentially done here is the 480,000 that we had noted for Ali, it's being replaced by this life policy in super where it gets, like, a 15% tax rebate. Attached to it is 486,000 worth of total disability. So there's a lump sum if you can never work again, so you don't currently have that. That's getting added on.\n\nQuick little point on linking cover. It shares the same pool of life insurance funds. So if you claim on TPD like you're in a car accident, you can never work again and get 400,000, it'll deplete the life insurance by that amount. But there's a a life cover buyback that'll fill it back up again. Claim on both.\n\nThe income protection came out pretty good. So we were able to get the thirty day waiting period, which is the kind of standard mainline and a benefit of all the way up to the age of 65. I've got the cover amount set as 8 thousand 750 a month worth of cover, which, again, just bear in mind, that's a couple of grand a week just under after tax. It's the full 70% maximum, which covers the $150 worth of income. Again, came out pretty good on the pricing there.\n\nAnd then what I've also done is for your out of pocket costs. On the next page, you can see life and critical illness in that next little table. So instead of that kind of 900 or a thousand or above for the life insurance and trauma that you've got with Ali, came out to $22.27 a month. So $22.27. Just under 300 bucks.\n\nAbout 1,000. Yeah. If you add on the life that's inside super, it probably brings up the total. I've got it noted down here. Bear with me two secs.\n\nWe've got a few 100 for that. Yeah. So it's about, like, $5,600 all up instead of a thousand when you got all the yeah. And the crazy thing too is in the appendix, you'll see there's a little comparison table in feature scores. That's all, like, the fine print under the hood.\n\nMost providers were all bouncing between 80 and 90. Ali came out at 60, and Nios was 91, the sort of second highest feature score, but the lowest cost. Underneath that, mate, there's a big wall of text there just basically saying you will now have TPD and income protection that you didn't have before. You'll have replacement life and trauma cover, which are more affordable, better quality. Technically, what I've done is to make the trauma cover even cheaper is I linked a tiny bit of life insurance to it, and it actually is cheaper than just having trauma by itself.\n\nAnd so, technically, you're over insured by a $145, but it was less than not having it. K. So I think you should be good to replace it. The only thing you wanna do before you cancel anything is just make sure the policy gets through the underwriting and it comes out okay. I think the only thing we had noted down was a shoulder concern, which I don't think they had much of a problem with.\n\nDecades. Yep. Yep. Exactly right. We've got a bit of an impact table on page 23 where it just says, look, if you do have insurance versus not, what are the differences there that it actually makes to the super?\n\nBecause obviously, premiums slow down the growth. Gotta keep a lid on cost. And outside of that, page 26 onwards is basically your tax tables for the contributions that you're doing. If you recall, we were kind of looking at doing that notice of intent to claim for your tax return to claim the contributions. So I don't know if you've gotten the confirmation letter from that just yet, but if not, just make sure you get that before.\n\nOkay. I'll follow that up with the admin team. Just make sure you get that before you submit your tax return. Yeah. So I believe the amounts that went in there previously, I think there was a forgive me if I'm wrong on this one, 4 and a thousand for last financial year.\n\nThat's gonna be claims. Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with. We'll do the same for this financial year once it finishes, but I have just put in there that thousand a month. Year once it finishes, but I have just put in there that thousand a month. And then when it comes time for June, we'll do another one of these intent to claim forms for you.\n\nFrom there, everything else in the document is basically just why you should establish a will and a power of attorney for the estate planning. But that's about it. Once we put in place the Neos policy, we'll obviously have to put a beneficiary nomination down as well. So if you just want me to kind of mimic what you've got on the super there, we can kind of just mirror that. Yeah.\n\nYep. So if you want me to do it that way, I'll just match it up. Perfect. And that's it. So, basically, the steps from here is I'll make sure that notice is done so your contributions are sort of the tax.\n\nWe'll get you booked in to go through the personal statement application for Neos. And then once it's approved, then you should be sweet to to can the hourly portion for yourself. Awesome. As cool. As soon as this comes back signed, we'll pretty much do the investment switches this week anyway.\n\nThat's something we can just do online. We don't have to send any further forms for that. The other thing too is I think the third document is just the service agreement. You guys are still on the 1.1% partner discount with Oakview. So that just kind of refreshes the consent on the super funds from the July 14 to the July 14.\n\nThat's kind of like your revolving reference date. Cool. A couple of PDFs is there. When it comes to these documents, so the the buttons will kind of bring you to the spot to sign. It'll stamp on their signatures and so on.\n\nThere is a quote with Neos to sign as well. Outside of that, you can basically just hit skip, like, next document or scroll through them. Just bear in mind that the last three doc last two documents, they're about eighty four and sixty six pages long, product documents. Yeah. It's just for your reference there as well.\n\nOnce you get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records. Cool. Did you want me to book in a bit of a time to go through the insurance application with the implementation team? Do you kinda know what your movements are like for the next week or two? Yep.\n\nEasy done. Same time next week. If there's any issues, I'll get the team to reach out straight away, but I'll get that in for you for personal statement and give you a bit of a heads up message beforehand. Sweet. Outside of that, I'll reach out to Danny and go through her updated plan as well.\n\nAnd do you have any questions for me? Cool. Well, I appreciate it. We had a pretty good outcome there, so all is well that ends well. And I'll update everything on file, And you'll probably be getting a call from Jack on next Monday just to go through the insurance application, and he will give you an update on the rest of the implementation as well.\n\nBut in between, just keep an ear out for that email for the contributions. No worries. Anytime at all, just give us a buzz. Thanks, Don. You too.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Dom.","start":6.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.13581962510943413},{"text":"It's Tommy here from Oakview.","start":6.56,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.17181285619735717},{"text":"How are you doing?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.2079535610973835},{"text":"Alright.","start":9.92,"end":10.24,"sentiment":"neutral","sentiment_score":0.1100042462348938},{"text":"Living in so far.","start":10.24,"end":11.599999,"sentiment":"neutral","sentiment_score":0.01409061811864376}],"sentiment":"neutral","sentiment_score":0.13305528089404106,"num_words":16,"start":6.0,"end":11.599999},{"sentences":[{"text":"A little bit tired.","start":11.599999,"end":12.4,"sentiment":"neutral","sentiment_score":-0.19492631405591965},{"text":"Kids have got me running around a little bit.","start":12.4,"end":13.92,"sentiment":"neutral","sentiment_score":-0.20394209855132633},{"text":"What about you?","start":13.92,"end":24.855,"sentiment":"neutral","sentiment_score":-0.04696128269036611},{"text":"No worries, mate.","start":24.855,"end":25.654999,"sentiment":"neutral","sentiment_score":0.23383394877115884},{"text":"I won't take up too much of your time today, but I had some pretty good outcomes for your updated plan.","start":25.654999,"end":30.51,"sentiment":"positive","sentiment_score":0.339319934802396}],"sentiment":"neutral","sentiment_score":0.12677881214767694,"num_words":40,"start":11.599999,"end":30.51},{"sentences":[{"text":"So I just wanted to kind of run the key points by you and then just kind of leave the documents with you to to have a read through if you're comfortable with the plan, if that's alright.","start":30.59,"end":39.489998,"sentiment":"neutral","sentiment_score":0.2739908526602544},{"text":"Cool.","start":40.83,"end":41.33,"sentiment":"positive","sentiment_score":0.4004225134849548},{"text":"I'm gonna pop them through to your email just so you've got them.","start":41.55,"end":44.825,"sentiment":"positive","sentiment_score":0.35566959931300235},{"text":"Were you gonna look onto it with me, or should I just kinda walk you through it?","start":44.965,"end":48.265,"sentiment":"neutral","sentiment_score":0.26009919275255766},{"text":"Yep.","start":52.644997,"end":53.045,"sentiment":"neutral","sentiment_score":0.19821375608444217}],"sentiment":"neutral","sentiment_score":0.2865097105503082,"num_words":70,"start":30.59,"end":53.045},{"sentences":[{"text":"Alright.","start":53.045,"end":53.445,"sentiment":"neutral","sentiment_score":0.19810083508491516},{"text":"Just give me one sec.","start":53.445,"end":55.065,"sentiment":"neutral","sentiment_score":0.14197174310684205},{"text":"And just while I'm doing that, mate, can I just confirm date of birth and address for security?","start":56.405,"end":60.649998,"sentiment":"neutral","sentiment_score":0.12094703978962368},{"text":"Perfect.","start":66.07,"end":66.57,"sentiment":"positive","sentiment_score":0.3607526421546936},{"text":"Now that should come through pretty quickly.","start":68.07,"end":70.009995,"sentiment":"positive","sentiment_score":0.40237668582371305}],"sentiment":"neutral","sentiment_score":0.1956998659297824,"num_words":32,"start":53.045,"end":70.009995},{"sentences":[{"text":"I'm just gonna hit a little bit of a resend there for you.","start":70.39,"end":72.795,"sentiment":"neutral","sentiment_score":0.23294234390442187},{"text":"There's about six documents there.","start":73.354996,"end":75.674995,"sentiment":"neutral","sentiment_score":0.09279395192861557},{"text":"Most of them are product documents, a bit of updated research as well, but the main one is just the statement of advice.","start":75.674995,"end":83.274994,"sentiment":"neutral","sentiment_score":0.10583273548146953},{"text":"So just let me know if you can see that coming through.","start":83.274994,"end":88.92,"sentiment":"neutral","sentiment_score":0.11708931066095829},{"text":"That's the one.","start":88.92,"end":89.899994,"sentiment":"neutral","sentiment_score":0.10748359312613805}],"sentiment":"neutral","sentiment_score":0.13667670810329063,"num_words":56,"start":70.39,"end":89.899994},{"sentences":[{"text":"So pop into there.","start":89.96,"end":91.34,"sentiment":"neutral","sentiment_score":0.08582550100982189},{"text":"If you hit the purple button, it'll bring up the documents to scroll through.","start":91.479996,"end":95.02,"sentiment":"neutral","sentiment_score":0.09094759555799621},{"text":"It'll let you scroll through them and skip around to the different documents as well.","start":95.24,"end":98.939995,"sentiment":"neutral","sentiment_score":0.1324496070543925},{"text":"Now you should see that beachfront city picture for the Gold Coast on it.","start":100.475,"end":103.695,"sentiment":"neutral","sentiment_score":0.18526730047804968},{"text":"Beauty.","start":104.954994,"end":105.354996,"sentiment":"neutral","sentiment_score":0.2866591811180115}],"sentiment":"neutral","sentiment_score":0.13507737157245478,"num_words":48,"start":89.96,"end":105.354996},{"sentences":[{"text":"So if you pop down just a couple of quick sort of housekeeping items on page three and four is a scope of advice.","start":105.354996,"end":112.255,"sentiment":"neutral","sentiment_score":0.08815836114808917},{"text":"So I've got your and Daniella's retirement goal in there.","start":113.674995,"end":117.68,"sentiment":"neutral","sentiment_score":0.14271982088685037},{"text":"We were obviously looking at updating your portfolio.","start":117.68,"end":119.86,"sentiment":"neutral","sentiment_score":0.12951872404664755},{"text":"I went through pretty heavily with the insurances.","start":121.520004,"end":123.54,"sentiment":"neutral","sentiment_score":0.05783976404927671},{"text":"Just got the comparisons with Ali Insurance, all the cover for income protection and trauma and everything in there.","start":124.16,"end":131.245,"sentiment":"neutral","sentiment_score":0.045180633664131165}],"sentiment":"neutral","sentiment_score":0.0855115771131671,"num_words":69,"start":105.354996,"end":131.245},{"sentences":[{"text":"There's, on the next page, a couple of reminders about the estate planning side of things just in terms of, you know, a will and a power of attorney and so on.","start":131.865,"end":140.285,"sentiment":"neutral","sentiment_score":0.04927685554139316},{"text":"And I've included those contributions as well.","start":141.785,"end":141.865,"sentiment":"neutral","sentiment_score":0.11494200570242745},{"text":"So whatever was coming in from one of the, debt management at this point, and no personal investment advice in this document.","start":141.865,"end":159.88501,"sentiment":"neutral","sentiment_score":-0.0187885498162359},{"text":"Just swing through to pages seven and eight, you'll see the about you section where we've got your occupation as a graphic designer.","start":161.705,"end":168.445,"sentiment":"neutral","sentiment_score":0.043608052170147064},{"text":"We've got your email, phone number, a $150 approx.","start":169.225,"end":172.38,"sentiment":"neutral","sentiment_score":0.03795445544852151}],"sentiment":"neutral","sentiment_score":0.03562022172295118,"num_words":93,"start":131.865,"end":172.38},{"sentences":[{"text":"Asset to liabilities, the home shares, car offset account, and just the in the car loan there.","start":173.5,"end":179.76001,"sentiment":"neutral","sentiment_score":0.006994842825567021},{"text":"Now if you swing through, page nine's got your Ali Group cover from the last figure that we had.","start":181.34001,"end":187.925,"sentiment":"neutral","sentiment_score":0.014389033576375559},{"text":"Now what I found from that one is they would have had a bit of a policy anniversary, so the covers would be a tiny bit different and a little bit more expensive than this.","start":189.985,"end":198.48,"sentiment":"neutral","sentiment_score":-0.14045470495309148},{"text":"This was just from June 11.","start":198.72,"end":200.73999,"sentiment":"neutral","sentiment_score":-0.022163755260407925},{"text":"We did have Daniella's portion of it, but they weren't sending through yours yet.","start":201.12,"end":205.62,"sentiment":"neutral","sentiment_score":-0.006166606143649135}],"sentiment":"neutral","sentiment_score":-0.05212006291149409,"num_words":91,"start":173.5,"end":205.62},{"sentences":[{"text":"But I did confirm with them, with the joint policy, you can actually, like, essentially drop off the policy, no longer be a life insured.","start":207.2,"end":217.39499,"sentiment":"neutral","sentiment_score":0.047741596922278404},{"text":"The premiums for your portion will just be wiped out, essentially.","start":217.61499,"end":220.995,"sentiment":"neutral","sentiment_score":-0.026425230443816294},{"text":"So and it won't impact her cover.","start":221.135,"end":225.0,"sentiment":"neutral","sentiment_score":0.02490983105131558},{"text":"Now if you go down to next one, we've just got your risk profile still as high growth.","start":225.0,"end":229.34,"sentiment":"neutral","sentiment_score":-0.026467652784453496},{"text":"Again, it's the engine tune up rather than a full sweeping change.","start":229.87999,"end":233.66,"sentiment":"neutral","sentiment_score":-0.008184900817771753}],"sentiment":"neutral","sentiment_score":0.006884858158914602,"num_words":73,"start":207.2,"end":233.66},{"sentences":[{"text":"Pages twelve and thirteen have strategy recommendations.","start":235.31999,"end":238.72499,"sentiment":"neutral","sentiment_score":0.027918757338609015},{"text":"It's pretty text heavy and some advantages and disadvantages.","start":238.94499,"end":242.565,"sentiment":"neutral","sentiment_score":-0.015788869311412174},{"text":"The main thing is we found far more affordable investments, a lot lower investment fees.","start":243.265,"end":248.965,"sentiment":"positive","sentiment_score":0.3409718265136083},{"text":"The trade off for it is because they are ETFs, There's a little bit of capital gains tax inside the super to switch them around, which is only a couple of $100, and there's some brokerage fees.","start":249.345,"end":260.33002,"sentiment":"neutral","sentiment_score":-0.07894402591360582},{"text":"So they usually charge, like, 0.11% to purchase them.","start":260.33002,"end":264.73,"sentiment":"neutral","sentiment_score":0.10496359897984399}],"sentiment":"neutral","sentiment_score":0.0414500299647644,"num_words":77,"start":235.31999,"end":264.73},{"sentences":[{"text":"And then from that day onwards, they're kind of the cheapest investments.","start":264.73,"end":265.415,"sentiment":"neutral","sentiment_score":0.2257085715730985},{"text":"Now if you go down to the actual figures, table, second last column under target weight, you can just see the round figures there, the seven percent zero six nine.","start":265.415,"end":286.34,"sentiment":"neutral","sentiment_score":0.09120594263076783},{"text":"Can you see that?","start":286.34,"end":287.32,"sentiment":"neutral","sentiment_score":0.05807885341346264},{"text":"So what this is essentially doing is rebalancing the investments back to the model portfolio, each allocation.","start":289.30002,"end":296.175,"sentiment":"neutral","sentiment_score":0.048051657702992946},{"text":"The second row, Bennelong, which was underperforming, is being removed.","start":296.955,"end":300.895,"sentiment":"neutral","sentiment_score":-0.30367615818977356}],"sentiment":"neutral","sentiment_score":0.04735771439050975,"num_words":73,"start":264.73,"end":300.895},{"sentences":[{"text":"And the second last one, beta shares Australia 200, that's your replacement index option for that portion.","start":301.35498,"end":307.525,"sentiment":"neutral","sentiment_score":0.010502451702075847},{"text":"There's a bit And and just some deployment of some cash that was building up as well.","start":307.525,"end":324.725,"sentiment":"neutral","sentiment_score":0.013577187872108291},{"text":"But if you go to the main figures on '17 and '18, you'll see the pie chart there for the asset allocation.","start":325.105,"end":333.445,"sentiment":"neutral","sentiment_score":0.05727430212904106},{"text":"Middle row, growth total in gray.","start":335.21002,"end":337.71002,"sentiment":"neutral","sentiment_score":0.0607784582922856},{"text":"High growth, you're aiming for about 90% or 90 to 100.","start":337.93002,"end":341.37003,"sentiment":"neutral","sentiment_score":0.15163011307066138}],"sentiment":"neutral","sentiment_score":0.05071219881001401,"num_words":73,"start":301.35498,"end":341.37003},{"sentences":[{"text":"You're sitting at 91, and you'll bump up slightly to 94 with the rebalance.","start":341.37003,"end":346.19,"sentiment":"neutral","sentiment_score":0.1623558732015746},{"text":"The fee comparison on the next page, I've highlighted the differences in green and red for you.","start":348.01,"end":353.60498,"sentiment":"neutral","sentiment_score":0.07415972606224172},{"text":"So top right, the difference there, the $2.23, that's capital gains tax that the super options had holding under the hood.","start":354.78497,"end":362.37,"sentiment":"neutral","sentiment_score":0.08702380777824492},{"text":"The investment fees there, $751 less.","start":363.25,"end":368.13,"sentiment":"neutral","sentiment_score":0.12801327308019003},{"text":"It's percentage based, the investment fees, but that's just based on that balance.","start":368.13,"end":372.38998,"sentiment":"neutral","sentiment_score":0.12692513603430527}],"sentiment":"neutral","sentiment_score":0.10956766110070994,"num_words":71,"start":341.37003,"end":372.38998},{"sentences":[{"text":"So it goes from that $9.87 down to $2.36.","start":372.53,"end":376.47498,"sentiment":"neutral","sentiment_score":0.2099325011173884},{"text":"It's pretty much like a 70% reduction in investment fees.","start":376.47498,"end":379.69498,"sentiment":"neutral","sentiment_score":0.27967202439904215},{"text":"Adviser service fees go up a tiny bit because, obviously, the balance is increasing and insurance premium.","start":381.435,"end":387.19498,"sentiment":"neutral","sentiment_score":0.12474402785301208},{"text":"So a full suite policy came out to about 1,400 after the 15% rebate.","start":387.19498,"end":393.79,"sentiment":"neutral","sentiment_score":0.16998432842748507},{"text":"And the bottom row, performance average.","start":395.37,"end":397.87,"sentiment":"neutral","sentiment_score":0.21071318040291467}],"sentiment":"neutral","sentiment_score":0.18662180192768574,"num_words":56,"start":372.53,"end":397.87},{"sentences":[{"text":"So just on the five year rolling average, this brings it back up to those double digits hitting around the sort of 12.37% mark.","start":398.01,"end":405.475,"sentiment":"positive","sentiment_score":0.3992215245962143},{"text":"Again, high growth, you kind of want 10 or above.","start":405.77502,"end":408.27502,"sentiment":"positive","sentiment_score":0.3861726880073547},{"text":"Updated projections under that table.","start":410.49503,"end":412.595,"sentiment":"neutral","sentiment_score":0.1948574334383011},{"text":"So the impact of it should be somewhere between 50 to 150,000 over the next five and ten years, factoring in the premiums, the capital gains, the brokerage, performance, and investment fees.","start":412.975,"end":429.035,"sentiment":"neutral","sentiment_score":0.20588718494400382},{"text":"Performance table after that, you can just see a bit more consistency over one, three, five, and ten years.","start":429.035,"end":434.475,"sentiment":"neutral","sentiment_score":0.2732281175098921}],"sentiment":"neutral","sentiment_score":0.29107838653855855,"num_words":90,"start":398.01,"end":434.475},{"sentences":[{"text":"Just trying to make sure all time periods are in that area.","start":434.475,"end":437.375,"sentiment":"neutral","sentiment_score":0.16681938245892525},{"text":"And that's pretty much it for the super so far.","start":439.595,"end":441.84,"sentiment":"positive","sentiment_score":0.5108000755310058},{"text":"So I factored in all the contributions.","start":442.0,"end":443.78,"sentiment":"positive","sentiment_score":0.33570392642702374},{"text":"The portfolio should be right on track again.","start":444.63998,"end":446.9,"sentiment":"positive","sentiment_score":0.5181675106287003},{"text":"And then we come to the insurance section.","start":447.36,"end":449.84,"sentiment":"neutral","sentiment_score":0.090403544716537}],"sentiment":"neutral","sentiment_score":0.3184073171681828,"num_words":45,"start":434.475,"end":449.84},{"sentences":[{"text":"Do you have any questions on that so far?","start":449.84,"end":451.78,"sentiment":"neutral","sentiment_score":0.03756666307648023},{"text":"Cool.","start":453.68,"end":454.035,"sentiment":"neutral","sentiment_score":0.28635120391845703},{"text":"When it comes to the insurances, so comparing the top four providers, Neos came out the best for you.","start":454.275,"end":460.215,"sentiment":"neutral","sentiment_score":0.28255833920679596},{"text":"And I did confirm for them that you you do obviously see clients a little bit as well.","start":460.755,"end":467.095,"sentiment":"neutral","sentiment_score":0.25921425306134754},{"text":"So they were totally happy with the occupation rating, which came out really well.","start":467.635,"end":471.63998,"sentiment":"positive","sentiment_score":0.6203309723309108}],"sentiment":"neutral","sentiment_score":0.31710737351267065,"num_words":61,"start":449.84,"end":471.63998},{"sentences":[{"text":"We've got the top table you can see here on page 20, life, TBD, and income protection.","start":472.25998,"end":479.8,"sentiment":"neutral","sentiment_score":0.23313240794574513},{"text":"So what I've essentially done here is the 480,000 that we had noted for Ali, it's being replaced by this life policy in super where it gets, like, a 15% tax rebate.","start":481.06,"end":492.475,"sentiment":"neutral","sentiment_score":0.09895541437435895},{"text":"Attached to it is 486,000 worth of total disability.","start":494.535,"end":498.48,"sentiment":"neutral","sentiment_score":0.0004491867083642216},{"text":"So there's a lump sum if you can never work again, so you don't currently have that.","start":498.48,"end":502.66,"sentiment":"neutral","sentiment_score":-0.03264151475227931},{"text":"That's getting added on.","start":502.8,"end":504.26,"sentiment":"neutral","sentiment_score":0.018949138466268778}],"sentiment":"neutral","sentiment_score":0.08423743896846529,"num_words":79,"start":472.25998,"end":504.26},{"sentences":[{"text":"Quick little point on linking cover.","start":505.84,"end":508.34,"sentiment":"neutral","sentiment_score":0.024564494068423908},{"text":"It shares the same pool of life insurance funds.","start":509.04,"end":512.085,"sentiment":"neutral","sentiment_score":0.04848361305064625},{"text":"So if you claim on TPD like you're in a car accident, you can never work again and get 400,000, it'll deplete the life insurance by that amount.","start":512.16504,"end":520.505,"sentiment":"neutral","sentiment_score":-0.06711301922665111},{"text":"But there's a a life cover buyback that'll fill it back up again.","start":520.805,"end":524.505,"sentiment":"neutral","sentiment_score":-0.04464986347235166},{"text":"Claim on both.","start":525.60504,"end":526.35,"sentiment":"neutral","sentiment_score":0.14998177190621695}],"sentiment":"neutral","sentiment_score":-0.02416827060850495,"num_words":59,"start":505.84,"end":526.35},{"sentences":[{"text":"The income protection came out pretty good.","start":528.91,"end":530.91,"sentiment":"positive","sentiment_score":0.7684997916221619},{"text":"So we were able to get the thirty day waiting period, which is the kind of standard mainline and a benefit of all the way up to the age of 65.","start":530.91,"end":540.185,"sentiment":"positive","sentiment_score":0.3829218254935357},{"text":"I've got the cover amount set as 8 thousand 750 a month worth of cover, which, again, just bear in mind, that's a couple of grand a week just under after tax.","start":541.925,"end":554.32,"sentiment":"neutral","sentiment_score":0.1744154328480363},{"text":"It's the full 70% maximum, which covers the $150 worth of income.","start":554.32,"end":560.18,"sentiment":"neutral","sentiment_score":0.15332157040635744},{"text":"Again, came out pretty good on the pricing there.","start":562.56,"end":565.065,"sentiment":"positive","sentiment_score":0.36401182744238114}],"sentiment":"neutral","sentiment_score":0.30711356345768814,"num_words":91,"start":528.91,"end":565.065},{"sentences":[{"text":"And then what I've also done is for your out of pocket costs.","start":565.145,"end":569.245,"sentiment":"neutral","sentiment_score":0.14772778119032198},{"text":"On the next page, you can see life and critical illness in that next little table.","start":569.385,"end":574.605,"sentiment":"neutral","sentiment_score":0.06654234137386084},{"text":"So instead of that kind of 900 or a thousand or above for the life insurance and trauma that you've got with Ali, came out to $22.27 a month.","start":575.945,"end":585.84,"sentiment":"neutral","sentiment_score":0.0500185461393718},{"text":"So $22.27.","start":587.9,"end":590.64,"sentiment":"neutral","sentiment_score":0.02749213669449091},{"text":"Just under 300 bucks.","start":591.34,"end":596.425,"sentiment":"neutral","sentiment_score":0.03272108640521765}],"sentiment":"neutral","sentiment_score":0.07221164178918116,"num_words":64,"start":565.145,"end":596.425},{"sentences":[{"text":"About 1,000.","start":596.425,"end":597.325,"sentiment":"neutral","sentiment_score":0.0018820958212018013},{"text":"Yeah.","start":603.305,"end":603.805,"sentiment":"neutral","sentiment_score":0.05848520249128342},{"text":"If you add on the life that's inside super, it probably brings up the total.","start":603.945,"end":607.70996,"sentiment":"neutral","sentiment_score":0.05738364184896151},{"text":"I've got it noted down here.","start":607.70996,"end":609.49,"sentiment":"neutral","sentiment_score":0.044223934412002563},{"text":"Bear with me two secs.","start":610.02997,"end":611.41,"sentiment":"neutral","sentiment_score":0.021802983060479165}],"sentiment":"neutral","sentiment_score":0.044736639435948994,"num_words":29,"start":596.425,"end":611.41},{"sentences":[{"text":"We've got a few 100 for that.","start":613.94995,"end":616.44995,"sentiment":"neutral","sentiment_score":0.0664057976433209},{"text":"Yeah.","start":617.55,"end":617.79,"sentiment":"neutral","sentiment_score":0.05281424522399902},{"text":"So it's about, like, $5,600 all up instead of a thousand when you got all the yeah.","start":617.79,"end":623.955,"sentiment":"neutral","sentiment_score":0.09850695006111089},{"text":"And the crazy thing too is in the appendix, you'll see there's a little comparison table in feature scores.","start":624.175,"end":630.195,"sentiment":"neutral","sentiment_score":0.0655107021723923},{"text":"That's all, like, the fine print under the hood.","start":630.335,"end":632.675,"sentiment":"neutral","sentiment_score":0.28576943278312683}],"sentiment":"neutral","sentiment_score":0.11337549464320237,"num_words":53,"start":613.94995,"end":632.675},{"sentences":[{"text":"Most providers were all bouncing between 80 and 90.","start":633.455,"end":636.67,"sentiment":"neutral","sentiment_score":0.20249357488420275},{"text":"Ali came out at 60, and Nios was 91, the sort of second highest feature score, but the lowest cost.","start":637.37,"end":645.15,"sentiment":"neutral","sentiment_score":0.18104040138423444},{"text":"Underneath that, mate, there's a big wall of text there just basically saying you will now have TPD and income protection that you didn't have before.","start":649.21,"end":656.40497,"sentiment":"neutral","sentiment_score":0.07178103902305548},{"text":"You'll have replacement life and trauma cover, which are more affordable, better quality.","start":656.70496,"end":661.365,"sentiment":"positive","sentiment_score":0.43486490501807284},{"text":"Technically, what I've done is to make the trauma cover even cheaper is I linked a tiny bit of life insurance to it, and it actually is cheaper than just having trauma by itself.","start":662.46497,"end":672.1,"sentiment":"positive","sentiment_score":0.5095461124882978}],"sentiment":"neutral","sentiment_score":0.29693498829489245,"num_words":102,"start":633.455,"end":672.1},{"sentences":[{"text":"And so, technically, you're over insured by a $145, but it was less than not having it.","start":672.64,"end":679.38,"sentiment":"neutral","sentiment_score":0.13509033708011403},{"text":"K.","start":681.44,"end":681.68,"sentiment":"neutral","sentiment_score":0.19629672169685364},{"text":"So I think you should be good to replace it.","start":681.68,"end":684.29504,"sentiment":"positive","sentiment_score":0.46442604064941406},{"text":"The only thing you wanna do before you cancel anything is just make sure the policy gets through the underwriting and it comes out okay.","start":684.29504,"end":692.23505,"sentiment":"neutral","sentiment_score":0.17887542754411698},{"text":"I think the only thing we had noted down was a shoulder concern, which I don't think they had much of a problem with.","start":692.85504,"end":700.27997,"sentiment":"neutral","sentiment_score":-0.2127850279211998}],"sentiment":"neutral","sentiment_score":0.08444334905255925,"num_words":77,"start":672.64,"end":700.27997},{"sentences":[{"text":"Decades.","start":703.94,"end":704.44,"sentiment":"neutral","sentiment_score":-0.02711331658065319},{"text":"Yep.","start":705.22,"end":705.72,"sentiment":"neutral","sentiment_score":-0.021183248609304428},{"text":"Yep.","start":706.1,"end":706.5,"sentiment":"neutral","sentiment_score":0.0989903062582016},{"text":"Exactly right.","start":706.5,"end":707.48,"sentiment":"neutral","sentiment_score":0.28603218495845795},{"text":"We've got a bit of an impact table on page 23 where it just says, look, if you do have insurance versus not, what are the differences there that it actually makes to the super?","start":707.94,"end":716.165,"sentiment":"neutral","sentiment_score":0.023288745805621146}],"sentiment":"neutral","sentiment_score":0.0359466053545475,"num_words":40,"start":703.94,"end":716.165},{"sentences":[{"text":"Because obviously, premiums slow down the growth.","start":716.165,"end":719.46497,"sentiment":"neutral","sentiment_score":-0.2075612906898771},{"text":"Gotta keep a lid on cost.","start":720.885,"end":722.425,"sentiment":"neutral","sentiment_score":0.16064124554395676},{"text":"And outside of that, page 26 onwards is basically your tax tables for the contributions that you're doing.","start":722.885,"end":730.92,"sentiment":"neutral","sentiment_score":0.07329358015623358},{"text":"If you recall, we were kind of looking at doing that notice of intent to claim for your tax return to claim the contributions.","start":731.22,"end":737.56,"sentiment":"neutral","sentiment_score":0.055782900812725224},{"text":"So I don't know if you've gotten the confirmation letter from that just yet, but if not, just make sure you get that before.","start":739.45996,"end":745.815,"sentiment":"neutral","sentiment_score":-0.01346576384579142}],"sentiment":"neutral","sentiment_score":0.023364736309534388,"num_words":79,"start":716.165,"end":745.815},{"sentences":[{"text":"Okay.","start":746.195,"end":746.515,"sentiment":"neutral","sentiment_score":0.0657881498336792},{"text":"I'll follow that up with the admin team.","start":746.515,"end":748.375,"sentiment":"neutral","sentiment_score":0.10520432284101844},{"text":"Just make sure you get that before you submit your tax return.","start":748.435,"end":751.095,"sentiment":"neutral","sentiment_score":0.057768700644373894},{"text":"Yeah.","start":758.72,"end":759.04,"sentiment":"neutral","sentiment_score":0.011447391472756864},{"text":"So I believe the amounts that went in there previously, I think there was a forgive me if I'm wrong on this one, 4 and a thousand for last financial year.","start":759.04,"end":770.47504,"sentiment":"neutral","sentiment_score":-0.10954007668600928}],"sentiment":"neutral","sentiment_score":-0.0336537329339475,"num_words":53,"start":746.195,"end":770.47504},{"sentences":[{"text":"That's gonna be claims.","start":771.175,"end":772.635,"sentiment":"neutral","sentiment_score":-0.06910451129078865},{"text":"Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with.","start":772.935,"end":780.075,"sentiment":"neutral","sentiment_score":0.13344306433978287},{"text":"We'll do the same for this financial year once it finishes, but I have just put in there that thousand a month.","start":781.815,"end":783.525,"sentiment":"neutral","sentiment_score":0.11170028014616533},{"text":"Year once it finishes, but I have just put in there that thousand a month.","start":783.71,"end":787.49,"sentiment":"neutral","sentiment_score":0.04868886172771454},{"text":"And then when it comes time for June, we'll do another one of these intent to claim forms for you.","start":787.87,"end":793.89,"sentiment":"neutral","sentiment_score":0.0892300233244896}],"sentiment":"neutral","sentiment_score":0.09244180940801189,"num_words":84,"start":771.175,"end":793.89},{"sentences":[{"text":"From there, everything else in the document is basically just why you should establish a will and a power of attorney for the estate planning.","start":796.67,"end":803.245,"sentiment":"neutral","sentiment_score":0.06698539786040783},{"text":"But that's about it.","start":804.265,"end":805.305,"sentiment":"neutral","sentiment_score":0.04104347247630358},{"text":"Once we put in place the Neos policy, we'll obviously have to put a beneficiary nomination down as well.","start":805.305,"end":811.485,"sentiment":"neutral","sentiment_score":0.10525442581427724},{"text":"So if you just want me to kind of mimic what you've got on the super there, we can kind of just mirror that.","start":813.065,"end":818.83997,"sentiment":"neutral","sentiment_score":0.054114681047697864},{"text":"Yeah.","start":821.22,"end":821.62,"sentiment":"neutral","sentiment_score":0.08456265926361084}],"sentiment":"neutral","sentiment_score":0.07153367029171284,"num_words":73,"start":796.67,"end":821.62},{"sentences":[{"text":"Yep.","start":821.62,"end":821.94,"sentiment":"neutral","sentiment_score":0.07648245990276337},{"text":"So if you want me to do it that way, I'll just match it up.","start":821.94,"end":824.51996,"sentiment":"neutral","sentiment_score":0.12219910062849522},{"text":"Perfect.","start":826.33997,"end":826.83997,"sentiment":"positive","sentiment_score":0.5755859613418579},{"text":"And that's it.","start":827.88495,"end":828.44495,"sentiment":"neutral","sentiment_score":0.21505501866340637},{"text":"So, basically, the steps from here is I'll make sure that notice is done so your contributions are sort of the tax.","start":828.44495,"end":834.225,"sentiment":"neutral","sentiment_score":0.08702343329787254}],"sentiment":"neutral","sentiment_score":0.12011275045751106,"num_words":42,"start":821.62,"end":834.225},{"sentences":[{"text":"We'll get you booked in to go through the personal statement application for Neos.","start":834.605,"end":839.1,"sentiment":"neutral","sentiment_score":0.18936649603503092},{"text":"And then once it's approved, then you should be sweet to to can the hourly portion for yourself.","start":839.66,"end":844.8,"sentiment":"neutral","sentiment_score":0.18505588505003187},{"text":"Awesome.","start":846.94,"end":847.44,"sentiment":"positive","sentiment_score":0.7347767353057861},{"text":"As cool.","start":848.62,"end":849.44,"sentiment":"positive","sentiment_score":0.6624676287174225},{"text":"As soon as this comes back signed, we'll pretty much do the investment switches this week anyway.","start":849.5,"end":853.75995,"sentiment":"neutral","sentiment_score":0.2191615367636961}],"sentiment":"neutral","sentiment_score":0.22629990371373984,"num_words":52,"start":834.605,"end":853.75995},{"sentences":[{"text":"That's something we can just do online.","start":854.675,"end":856.035,"sentiment":"neutral","sentiment_score":0.1951708538191659},{"text":"We don't have to send any further forms for that.","start":856.035,"end":858.375,"sentiment":"neutral","sentiment_score":0.07393900267779827},{"text":"The other thing too is I think the third document is just the service agreement.","start":860.675,"end":864.615,"sentiment":"neutral","sentiment_score":0.002260620519518852},{"text":"You guys are still on the 1.1% partner discount with Oakview.","start":864.915,"end":868.855,"sentiment":"neutral","sentiment_score":0.044896825132044876},{"text":"So that just kind of refreshes the consent on the super funds from the July 14 to the July 14.","start":869.235,"end":879.37,"sentiment":"neutral","sentiment_score":0.07329672425985337}],"sentiment":"neutral","sentiment_score":0.06506817258657917,"num_words":63,"start":854.675,"end":879.37},{"sentences":[{"text":"That's kind of like your revolving reference date.","start":879.37,"end":881.79,"sentiment":"neutral","sentiment_score":0.08177490718662739},{"text":"Cool.","start":884.065,"end":884.565,"sentiment":"positive","sentiment_score":0.4389282166957855},{"text":"A couple of PDFs is there.","start":884.625,"end":886.065,"sentiment":"neutral","sentiment_score":0.1145973913371563},{"text":"When it comes to these documents, so the the buttons will kind of bring you to the spot to sign.","start":886.065,"end":890.88495,"sentiment":"neutral","sentiment_score":0.021187499817460775},{"text":"It'll stamp on their signatures and so on.","start":891.105,"end":894.305,"sentiment":"neutral","sentiment_score":0.04056569468230009}],"sentiment":"neutral","sentiment_score":0.05881365990742694,"num_words":43,"start":879.37,"end":894.305},{"sentences":[{"text":"There is a quote with Neos to sign as well.","start":894.305,"end":897.65,"sentiment":"neutral","sentiment_score":0.04830044135451317},{"text":"Outside of that, you can basically just hit skip, like, next document or scroll through them.","start":898.75,"end":903.23004,"sentiment":"neutral","sentiment_score":0.014514692942611873},{"text":"Just bear in mind that the last three doc last two documents, they're about eighty four and sixty six pages long, product documents.","start":903.23004,"end":915.205,"sentiment":"neutral","sentiment_score":-0.01532247423639764},{"text":"Yeah.","start":915.665,"end":916.165,"sentiment":"neutral","sentiment_score":-0.19193565845489505},{"text":"It's just for your reference there as well.","start":917.105,"end":918.785,"sentiment":"neutral","sentiment_score":-0.09157789684832096}],"sentiment":"neutral","sentiment_score":-0.009685107587098047,"num_words":58,"start":894.305,"end":918.785},{"sentences":[{"text":"Once you get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records.","start":918.785,"end":924.3,"sentiment":"neutral","sentiment_score":-0.013515913170640883},{"text":"Cool.","start":927.5,"end":928.0,"sentiment":"neutral","sentiment_score":0.23426306247711184},{"text":"Did you want me to book in a bit of a time to go through the insurance application with the implementation team?","start":928.45996,"end":936.06,"sentiment":"neutral","sentiment_score":0.13462692058899187},{"text":"Do you kinda know what your movements are like for the next week or two?","start":936.06,"end":939.045,"sentiment":"neutral","sentiment_score":0.05469110359748205},{"text":"Yep.","start":942.14496,"end":942.64496,"sentiment":"neutral","sentiment_score":0.2282121628522873}],"sentiment":"neutral","sentiment_score":0.06344787144072113,"num_words":62,"start":918.785,"end":942.64496},{"sentences":[{"text":"Easy done.","start":943.505,"end":944.325,"sentiment":"positive","sentiment_score":0.358170747756958},{"text":"Same time next week.","start":945.185,"end":946.305,"sentiment":"neutral","sentiment_score":0.1356035340577364},{"text":"If there's any issues, I'll get the team to reach out straight away, but I'll get that in for you for personal statement and give you a bit of a heads up message beforehand.","start":946.305,"end":957.76,"sentiment":"neutral","sentiment_score":0.13594866050955126},{"text":"Sweet.","start":960.14,"end":960.64,"sentiment":"neutral","sentiment_score":0.3175034523010254},{"text":"Outside of that, I'll reach out to Danny and go through her updated plan as well.","start":960.7,"end":964.48,"sentiment":"neutral","sentiment_score":0.2085374528542161}],"sentiment":"neutral","sentiment_score":0.1672826804743524,"num_words":57,"start":943.505,"end":964.48},{"sentences":[{"text":"And do you have any questions for me?","start":965.58,"end":969.61505,"sentiment":"neutral","sentiment_score":0.01195608580019325},{"text":"Cool.","start":970.03503,"end":970.53503,"sentiment":"neutral","sentiment_score":0.31985390186309814},{"text":"Well, I appreciate it.","start":970.675,"end":971.79504,"sentiment":"positive","sentiment_score":0.4691014066338539},{"text":"We had a pretty good outcome there, so all is well that ends well.","start":971.79504,"end":975.79504,"sentiment":"positive","sentiment_score":0.5982105476515633},{"text":"And I'll update everything on file, And you'll probably be getting a call from Jack on next Monday just to go through the insurance application, and he will give you an update on the rest of the implementation as well.","start":975.79504,"end":988.83997,"sentiment":"neutral","sentiment_score":0.2846556771546602}],"sentiment":"neutral","sentiment_score":0.32915049206131874,"num_words":67,"start":965.58,"end":988.83997},{"sentences":[{"text":"But in between, just keep an ear out for that email for the contributions.","start":988.98,"end":992.76,"sentiment":"neutral","sentiment_score":0.31499546446970533},{"text":"No worries.","start":997.765,"end":998.325,"sentiment":"neutral","sentiment_score":0.25319987535476685},{"text":"Anytime at all, just give us a buzz.","start":998.325,"end":1000.105,"sentiment":"neutral","sentiment_score":0.1742749698460102},{"text":"Thanks, Don.","start":1002.885,"end":1003.52496,"sentiment":"positive","sentiment_score":0.8077413439750671},{"text":"You too.","start":1003.52496,"end":1004.005,"sentiment":"positive","sentiment_score":0.7147057056427002}],"sentiment":"positive","sentiment_score":0.334122503974608,"num_words":28,"start":988.98,"end":1004.005},{"sentences":[{"text":"Cheers.","start":1004.005,"end":1004.505,"sentiment":"positive","sentiment_score":0.6672841906547546},{"text":"Bye.","start":1005.925,"end":1006.425,"sentiment":"neutral","sentiment_score":-0.09168357402086258}],"sentiment":"neutral","sentiment_score":0.28780030831694603,"num_words":2,"start":1004.005,"end":1006.425}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good, mate. Yourself? Simla. I'm kinda I'm just being stuck with work the last last week or so. So, yeah, just kinda running running to digital line at the moment. Yeah. Yep. Yeah. No worries. I'm happy to look at it while you're kinda talking to it, Steve. March 8. Yep. Yep. Just a signature request. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Yep. Yep. Yep. That's alright. Yeah. Okay. Okay. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Okay. Okay. Yeah. Yep. Mhmm. Yep. Okay. Yep. Yeah. Yep. Okay. Yep. Okay. Yep. Okay. Yep. K. No worries. Yep. Not that all same, though. K. Yep. Yep. Yep. Okay. Yeah. Okay. Yeah. Okay. Perfect. Yep. Yep. Yep. Yep. Yeah. Okay. Yep. Okay. Yep. And how much was it with Dali? Sorry. Yeah. Okay. So I'm getting more for, what, 70% less. Yep. Yep. Okay. Jeez. Yeah. Yeah. Nice. Yep. Yep. Yep. Yeah. Okay. Yep. Yeah. And I it hasn't made a problem for fifteen, twenty years, whatever it's been. Yeah. Yep. Yep. Yep. Yep. Yep. I don't think so. Yep. Yep. So everything that I need to do from here, just to say that one again for the the tax contributions. Tax contributions. Yep. Yep. Yep. Yes. Yep. Yep. I assume that's just that that needs details all day. Yeah. Yeah. That's fine. Yep. That's fine. Yep. Yep. Yep. No worries. Perfect. Now that all sounds great, man. Yep. Okay. No worries. Yep. Yep. Yep. Okay. I'm just I'm just if it's everything that we've talked to, I've just kind of signed them off. Fuck with me. Yep. Yep. Yep. Going through that now. Same time next week would be fine. Yeah. That works. Yep. Perfect. Perfect. No. I think that's all good. Yep. Yep. Perfect. And I appreciate your your time and your help getting all this sorted. Appreciate it, mate. Have a good week. Yeah. Take care. Bye 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Hello? Good, mate. Yourself? Simla.\n\nI'm kinda I'm just being stuck with work the last last week or so. So, yeah, just kinda running running to digital line at the moment. Yeah. Yep. Yeah.\n\nNo worries. I'm happy to look at it while you're kinda talking to it, Steve. March 8. Yep. Yep.\n\nJust a signature request. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. That's alright. Yeah.\n\nOkay. Okay. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Okay.\n\nYep. Yep. Okay. Okay. Yeah.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nYeah. Yep. Okay. Yep. Okay.\n\nYep. Okay. Yep. K. No worries.\n\nYep. Not that all same, though. K. Yep. Yep.\n\nYep. Okay. Yeah. Okay. Yeah.\n\nOkay. Perfect. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Yep. Okay.\n\nYep. And how much was it with Dali? Sorry. Yeah. Okay.\n\nSo I'm getting more for, what, 70% less. Yep. Yep. Okay. Jeez.\n\nYeah. Yeah. Nice. Yep. Yep.\n\nYep. Yeah. Okay. Yep. Yeah.\n\nAnd I it hasn't made a problem for fifteen, twenty years, whatever it's been. Yeah. Yep. Yep. Yep.\n\nYep. Yep. I don't think so. Yep. Yep.\n\nSo everything that I need to do from here, just to say that one again for the the tax contributions. Tax contributions. Yep. Yep. Yep.\n\nYes. Yep. Yep. I assume that's just that that needs details all day. Yeah.\n\nYeah. That's fine. Yep. That's fine. Yep.\n\nYep. Yep. No worries. Perfect. Now that all sounds great, man.\n\nYep. Okay. No worries. Yep. Yep.\n\nYep. Okay. I'm just I'm just if it's everything that we've talked to, I've just kind of signed them off. Fuck with me. Yep.\n\nYep. Yep. Going through that now. Same time next week would be fine. Yeah.\n\nThat works. Yep. Perfect. Perfect. No.\n\nI think that's all good. Yep. Yep. Perfect. And I appreciate your your time and your help getting all this sorted.\n\nAppreciate it, mate. Have a good week. Yeah. Take care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.02043510042130947},{"text":"Hello?","start":4.3199997,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.03445570170879364},{"text":"Good, mate.","start":8.559999,"end":9.12,"sentiment":"positive","sentiment_score":0.5411461293697357},{"text":"Yourself?","start":9.12,"end":9.62,"sentiment":"neutral","sentiment_score":0.3163124918937683},{"text":"Simla.","start":15.755,"end":16.235,"sentiment":"neutral","sentiment_score":-0.08038955181837082}],"sentiment":"neutral","sentiment_score":0.22885100015749535,"num_words":6,"start":0.16,"end":16.235},{"sentences":[{"text":"I'm kinda I'm just being stuck with work the last last week or so.","start":16.235,"end":20.235,"sentiment":"neutral","sentiment_score":-0.11243541219404765},{"text":"So, yeah, just kinda running running to digital line at the 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man.","start":847.09503,"end":848.555,"sentiment":"positive","sentiment_score":0.7738369007905325}],"sentiment":"positive","sentiment_score":0.5568965903737328,"num_words":11,"start":834.43,"end":848.555},{"sentences":[{"text":"Yep.","start":854.135,"end":854.635,"sentiment":"neutral","sentiment_score":0.18194732069969177},{"text":"Okay.","start":857.97,"end":858.47,"sentiment":"neutral","sentiment_score":0.07967080175876617},{"text":"No worries.","start":858.93,"end":865.75,"sentiment":"neutral","sentiment_score":0.003177821636199952},{"text":"Yep.","start":869.25,"end":869.75,"sentiment":"neutral","sentiment_score":0.09152864664793016},{"text":"Yep.","start":882.205,"end":882.705,"sentiment":"neutral","sentiment_score":0.22379079461097717}],"sentiment":"neutral","sentiment_score":0.09721553449829419,"num_words":6,"start":854.135,"end":882.705},{"sentences":[{"text":"Yep.","start":891.43005,"end":891.93005,"sentiment":"neutral","sentiment_score":0.040900059044361115},{"text":"Okay.","start":897.635,"end":898.135,"sentiment":"neutral","sentiment_score":0.021156033501029015},{"text":"I'm just I'm just if it's everything that we've talked to, I've just kind of signed them off.","start":910.85,"end":915.26996,"sentiment":"neutral","sentiment_score":-0.06311084909571542},{"text":"Fuck with me.","start":915.57,"end":916.47,"sentiment":"neutral","sentiment_score":-0.2524317155281703},{"text":"Yep.","start":919.08997,"end":919.58997,"sentiment":"neutral","sentiment_score":0.006209231913089752}],"sentiment":"neutral","sentiment_score":-0.07604271274370451,"num_words":24,"start":891.43005,"end":919.58997},{"sentences":[{"text":"Yep.","start":925.125,"end":925.44495,"sentiment":"neutral","sentiment_score":0.05385638773441315},{"text":"Yep.","start":925.44495,"end":925.76495,"sentiment":"neutral","sentiment_score":0.06478552520275116},{"text":"Going through that now.","start":925.76495,"end":926.985,"sentiment":"neutral","sentiment_score":0.10185050219297409},{"text":"Same time next week would be fine.","start":939.42,"end":941.10004,"sentiment":"neutral","sentiment_score":0.10110605880618095},{"text":"Yeah.","start":941.10004,"end":941.60004,"sentiment":"neutral","sentiment_score":0.19073712825775144}],"sentiment":"neutral","sentiment_score":0.10175167582929134,"num_words":14,"start":925.125,"end":941.60004},{"sentences":[{"text":"That works.","start":941.82,"end":942.56,"sentiment":"neutral","sentiment_score":0.24943527579307556},{"text":"Yep.","start":949.34,"end":949.84,"sentiment":"neutral","sentiment_score":0.08880533277988434},{"text":"Perfect.","start":951.34,"end":951.84,"sentiment":"neutral","sentiment_score":0.22331364452838895},{"text":"Perfect.","start":958.665,"end":959.165,"sentiment":"positive","sentiment_score":0.37640631198883057},{"text":"No.","start":967.97,"end":968.29,"sentiment":"neutral","sentiment_score":-0.07458257675170898}],"sentiment":"neutral","sentiment_score":0.18546887735525766,"num_words":6,"start":941.82,"end":968.29},{"sentences":[{"text":"I think that's all good.","start":968.29,"end":969.51,"sentiment":"neutral","sentiment_score":-0.013661990314722058},{"text":"Yep.","start":985.135,"end":985.635,"sentiment":"neutral","sentiment_score":0.2049654722213745},{"text":"Yep.","start":989.05505,"end":989.55505,"sentiment":"neutral","sentiment_score":0.20458489656448364},{"text":"Perfect.","start":993.51,"end":993.99,"sentiment":"positive","sentiment_score":0.6381049156188965},{"text":"And I appreciate your your time and your help getting all this sorted.","start":993.99,"end":997.37,"sentiment":"positive","sentiment_score":0.7090622232510493}],"sentiment":"positive","sentiment_score":0.4855787730997517,"num_words":21,"start":968.29,"end":997.37},{"sentences":[{"text":"Appreciate it, mate.","start":1000.87,"end":1001.67,"sentiment":"positive","sentiment_score":0.865864078203837},{"text":"Have a good week.","start":1001.67,"end":1002.65,"sentiment":"positive","sentiment_score":0.7718463242053986},{"text":"Yeah.","start":1004.39,"end":1004.55,"sentiment":"positive","sentiment_score":0.4743535816669464},{"text":"Take care.","start":1004.55,"end":1005.11,"sentiment":"positive","sentiment_score":0.515150859951973},{"text":"Bye bye.","start":1005.11,"end":1005.77,"sentiment":"neutral","sentiment_score":0.23946723341941833}],"sentiment":"positive","sentiment_score":0.6390472749869028,"num_words":12,"start":1000.87,"end":1005.77}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hey, Dom. It's Tommy here from Oakview. How are you doing?\n\nChannel 1: Good, mate. Yourself?\n\nChannel 0: Alright. Living in so far. A little bit tired. Kids have got me running around a little bit. What about\n\nChannel 1: Simla. I'm kinda I'm just being stuck with work the last last week or so. So, yeah, just kinda running running to digital line at the moment.\n\nChannel 0: you? No worries, mate. I won't take up too much of your time today, but I had some pretty good outcomes for your updated plan.\n\nChannel 1: Yeah.\n\nChannel 0: So I\n\nChannel 1: Yep.\n\nChannel 0: just wanted to kind of run the key points by you and then just kind of leave the documents with you to to have a read through if you're comfortable with the plan, if that's alright.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Cool. I'm gonna pop them through to your email just so you've got them. Were you gonna look onto it with me, or should I just kinda walk you through it?\n\nChannel 1: I'm happy to look at it while you're kinda talking to it, Steve.\n\nChannel 0: Yep. Alright. Just give me one sec. And just while I'm doing that, mate, can I just confirm date of birth and address for security?\n\nChannel 1: March 8.\n\nChannel 0: Perfect. Now that should come through pretty quickly. I'm just gonna hit a little bit of a resend there for you. There's about six documents there. Most of them are product documents, a bit of updated research as well,\n\nChannel 1: Yep.\n\nChannel 0: but the main one is just the statement of advice. So just let me know if you can see\n\nChannel 1: Yep. Just a signature\n\nChannel 0: that\n\nChannel 1: request.\n\nChannel 0: coming through. That's the one. So pop\n\nChannel 1: Yep.\n\nChannel 0: into there. If you hit the purple button, it'll bring up the documents to scroll through. It'll\n\nChannel 1: Yep.\n\nChannel 0: let you scroll through them and skip around to the different documents as well.\n\nChannel 1: Yep.\n\nChannel 0: Now you should see that beachfront city picture for the Gold Coast on it.\n\nChannel 1: Yep.\n\nChannel 0: Beauty. So if you pop down just a couple of quick sort of housekeeping items on page three and four is\n\nChannel 1: Mhmm.\n\nChannel 0: a scope of advice.\n\nChannel 1: Yep.\n\nChannel 0: So I've got your and Daniella's retirement goal in there. We were obviously looking at updating your portfolio. I went through pretty heavily with the insurances. Just\n\nChannel 1: Yep.\n\nChannel 0: got the comparisons with Ali Insurance,\n\nChannel 1: Yep.\n\nChannel 0: all the cover for income protection and trauma and everything in there. There's, on the next page, a couple of reminders about the estate planning side of things just in terms of, you know, a will and a power of attorney and so on.\n\nChannel 1: Yep.\n\nChannel 0: And I've included those contributions as well. So whatever was coming in from one of the,\n\nChannel 1: Yeah.\n\nChannel 0: debt management at this point, and no personal investment advice in this document.\n\nChannel 1: Okay.\n\nChannel 0: Just swing through to pages seven and eight, you'll see the about you section where we've got your occupation as a graphic designer.\n\nChannel 1: Yeah.\n\nChannel 0: We've got your email, phone number, a $150 approx. Asset to liabilities, the home shares, car offset account, and just the\n\nChannel 1: Yeah.\n\nChannel 0: in the car loan there.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you swing through, page nine's got your Ali Group cover from the last figure that we had.\n\nChannel 1: Yep.\n\nChannel 0: Now what I found from that one is they would have had a bit of a policy anniversary, so the covers would be a tiny bit different and a little bit more expensive than this. This\n\nChannel 1: Yep.\n\nChannel 0: was just from June 11. We did have Daniella's portion of it, but they\n\nChannel 1: Yep.\n\nChannel 0: weren't sending through yours yet.\n\nChannel 1: That's alright.\n\nChannel 0: But I did confirm with them, with the joint policy, you can actually, like, essentially drop off the policy,\n\nChannel 1: Yeah.\n\nChannel 0: no longer be a life insured. The premiums for your portion will just be wiped out, essentially. So and\n\nChannel 1: Okay.\n\nChannel 0: it won't impact her\n\nChannel 1: Okay.\n\nChannel 0: cover. Now if you go down to next one, we've just got your risk profile still as high growth. Again, it's the engine tune up rather than a full\n\nChannel 1: Yep.\n\nChannel 0: sweeping change.\n\nChannel 1: Yep.\n\nChannel 0: Pages twelve and thirteen have strategy recommendations. It's pretty text heavy and some advantages and disadvantages. The main thing is we found far more affordable investments, a lot lower investment\n\nChannel 1: Yep.\n\nChannel 0: fees.\n\nChannel 1: Yep.\n\nChannel 0: The trade off for it is because they are ETFs, There's a little bit of capital gains tax inside the super to switch them around, which is only\n\nChannel 1: Okay.\n\nChannel 0: a couple of $100,\n\nChannel 1: Yep.\n\nChannel 0: and there's some brokerage fees. So they usually charge, like, 0.11% to purchase them. And then from that day onwards, they're kind of the cheapest investments. Now if you go down to the actual figures,\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: table, second last column under target weight, you can just see the round figures there, the seven percent zero six nine. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: So what this is essentially doing is rebalancing the investments back to the model portfolio, each allocation. The second row, Bennelong, which was underperforming, is being removed.\n\nChannel 1: Okay.\n\nChannel 0: And the second last one, beta shares Australia 200, that's your replacement index option for that portion. There's a bit\n\nChannel 1: Okay.\n\nChannel 0: And and just some deployment of some cash that was building up as well. But\n\nChannel 1: Yeah.\n\nChannel 0: if you go to the main figures on '17 and '18, you'll see the pie chart there for the asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: Middle row, growth total in gray. High\n\nChannel 1: Mhmm.\n\nChannel 0: growth, you're aiming for about 90% or 90 to 100. You're sitting at 91, and you'll bump up slightly to 94 with the rebalance.\n\nChannel 1: Yep. Okay.\n\nChannel 0: The fee comparison on the next page, I've highlighted the differences in green and red for you.\n\nChannel 1: Yep.\n\nChannel 0: So top right, the difference there, the $2.23, that's capital gains tax that the super options had holding under the hood.\n\nChannel 1: Yeah.\n\nChannel 0: The investment fees there, $751 less. It's percentage based, the investment fees, but that's just based on that balance. So it goes from that $9.87 down to $2.36. It's pretty much like a 70% reduction in investment fees.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Adviser service fees go up a tiny bit because, obviously, the balance is increasing and\n\nChannel 1: Yep.\n\nChannel 0: insurance premium. So a full suite policy came out to about 1,400 after the 15% rebate.\n\nChannel 1: Okay.\n\nChannel 0: And the bottom row, performance average. So just on the five year rolling average, this brings it back up to those double digits hitting around the sort of 12.37% mark. Again,\n\nChannel 1: Yep.\n\nChannel 0: high growth, you kind of want 10 or above.\n\nChannel 1: Okay.\n\nChannel 0: Updated projections under that table. So the impact of it should be somewhere between 50 to 150,000 over the next five and ten years,\n\nChannel 1: Yep.\n\nChannel 0: factoring in the premiums, the capital gains, the brokerage, performance, and investment\n\nChannel 1: K. No worries.\n\nChannel 0: fees. Performance table after that, you can just see a bit more consistency over one, three, five, and ten years. Just trying to make sure all time periods are in that area.\n\nChannel 1: Yep.\n\nChannel 0: And that's pretty much it for the super so far. So I factored in all the contributions. The portfolio should be right on track again. And then we come to the insurance section. Do you have any questions on that so far?\n\nChannel 1: Not that all same, though.\n\nChannel 0: Cool. When it comes to the insurances, so comparing the top four providers, Neos came out the best for you. And I did confirm for them that you you do obviously see clients a little\n\nChannel 1: K.\n\nChannel 0: bit as well.\n\nChannel 1: Yep.\n\nChannel 0: So they were totally happy with the occupation rating, which came out really well. We've got the top table you can see here on page 20, life, TBD, and income protection.\n\nChannel 1: Yep.\n\nChannel 0: So what I've essentially done here is the 480,000 that we had noted for Ali, it's being replaced by this life policy in super where it gets,\n\nChannel 1: Yep.\n\nChannel 0: like, a 15% tax rebate.\n\nChannel 1: Okay.\n\nChannel 0: Attached to it is 486,000 worth of total disability. So there's a lump sum if you can never work again, so you don't currently have that. That's\n\nChannel 1: Yeah.\n\nChannel 0: getting added on.\n\nChannel 1: Okay.\n\nChannel 0: Quick little point on linking cover. It shares the same pool of life insurance funds. So if you claim on TPD like you're in a car accident, you can never work again and get 400,000, it'll\n\nChannel 1: Yeah.\n\nChannel 0: deplete the life insurance by that amount. But there's a a life cover buyback that'll fill it back up again.\n\nChannel 1: Okay.\n\nChannel 0: Claim on both.\n\nChannel 1: Perfect.\n\nChannel 0: The income protection came out pretty good. So we were able to get the thirty day waiting period, which is the kind of standard mainline\n\nChannel 1: Yep.\n\nChannel 0: and a benefit of all the way up to the age of 65. I've got the cover amount set as 8\n\nChannel 1: Yep.\n\nChannel 0: thousand 750 a month worth of cover, which, again, just bear in mind, that's a couple of grand a week just under\n\nChannel 1: Yep.\n\nChannel 0: after tax. It's the full 70% maximum,\n\nChannel 1: Yep.\n\nChannel 0: which covers the $150 worth of income.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Again, came out pretty good on the pricing there. And then what I've also done is for your out of pocket costs. On the next page, you can see life and critical illness in that next little table.\n\nChannel 1: Yep.\n\nChannel 0: So instead of that kind of 900 or a thousand or above for the life insurance and trauma that you've got with Ali, came out to $22.27 a month.\n\nChannel 1: Okay.\n\nChannel 0: So $22.27. Just under 300\n\nChannel 1: Yep. And how much was it with Dali? Sorry.\n\nChannel 0: bucks. About 1,000.\n\nChannel 1: Yeah. Okay. So I'm getting more for, what, 70% less.\n\nChannel 0: Yeah. If you add on the life that's inside super, it probably brings up the total. I've got it noted down here. Bear with me two secs. We've got a few 100 for that.\n\nYeah. So it's about, like, $5,600 all up instead of a thousand when you got all the yeah. And the crazy thing too is in the appendix, you'll see there's a little comparison table in feature scores.\n\nChannel 1: Yep. Yep.\n\nChannel 0: That's all, like, the fine print under the hood. Most providers were all bouncing between 80 and 90. Ali came out at 60, and Nios was 91,\n\nChannel 1: Okay. Jeez.\n\nChannel 0: the sort of second highest feature score, but the lowest cost.\n\nChannel 1: Yeah. Yeah. Nice.\n\nChannel 0: Underneath that, mate, there's a big wall of text there just basically saying you will now have TPD and income protection that you didn't have before. You'll\n\nChannel 1: Yep.\n\nChannel 0: have replacement life and trauma cover, which are more affordable, better quality. Technically, what I've done is to make the trauma cover even cheaper is I linked a tiny bit of life insurance to it,\n\nChannel 1: Yep.\n\nChannel 0: and it actually is cheaper than just having trauma by itself. And so, technically, you're over insured by a $145, but\n\nChannel 1: Yep.\n\nChannel 0: it was less than not having it.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K. So I think you should be good to replace it. The only thing you wanna do before you cancel anything\n\nChannel 1: Yep.\n\nChannel 0: is just make sure the policy gets through the underwriting and it comes out okay. I think the only thing we had noted down was a shoulder concern, which I don't think they had much\n\nChannel 1: Yeah.\n\nChannel 0: of a problem with.\n\nChannel 1: And I it hasn't made a problem for fifteen,\n\nChannel 0: Decades.\n\nChannel 1: twenty years, whatever it's\n\nChannel 0: Yep.\n\nChannel 1: been. Yeah.\n\nChannel 0: Yep. Exactly right. We've got a bit of an impact table on page 23 where it just says, look, if you do have insurance versus not, what are the differences there that it actually\n\nChannel 1: Yep.\n\nChannel 0: makes to the super? Because obviously, premiums slow down the growth.\n\nChannel 1: Yep.\n\nChannel 0: Gotta keep a lid on cost. And outside of that, page 26 onwards is basically your tax tables for the contributions that you're doing.\n\nChannel 1: Yep.\n\nChannel 0: If you recall, we were kind of looking at doing that notice of intent to claim for your tax return to claim the\n\nChannel 1: Yep.\n\nChannel 0: contributions.\n\nChannel 1: Yep.\n\nChannel 0: So I don't know if you've gotten the confirmation letter from that just yet, but if not, just make\n\nChannel 1: I\n\nChannel 0: sure\n\nChannel 1: don't\n\nChannel 0: you get\n\nChannel 1: think\n\nChannel 0: that\n\nChannel 1: so.\n\nChannel 0: before. Okay. I'll follow that up with the admin team. Just make\n\nChannel 1: Yep.\n\nChannel 0: sure you get that before you submit your tax return.\n\nChannel 1: Yep. So everything that I need to do from here, just to say that one again for the the tax contributions. Tax\n\nChannel 0: Yeah.\n\nChannel 1: contributions.\n\nChannel 0: So I believe the amounts that went in there previously, I\n\nChannel 1: Yep.\n\nChannel 0: think there was a forgive me if I'm wrong on this one, 4 and a thousand for last\n\nChannel 1: Yep.\n\nChannel 0: financial year. That's gonna be claims. Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with.\n\nChannel 1: Yep.\n\nChannel 0: We'll do the same for this financial year once it finishes, but I have just put in there that thousand a month. Year once it finishes, but I have just put in there that thousand a month. And then when it comes time for June, we'll do another one of these intent to claim forms for you.\n\nChannel 1: Yes.\n\nChannel 0: From there, everything else in the document is basically just why you should establish a will and a power of\n\nChannel 1: Yep.\n\nChannel 0: attorney for the estate planning. But that's about it. Once we put in place the Neos policy, we'll obviously have to put a beneficiary nomination down as well.\n\nChannel 1: Yep.\n\nChannel 0: So if you just want me to kind of mimic what you've got on the super there, we can kind of just\n\nChannel 1: I assume\n\nChannel 0: mirror\n\nChannel 1: that's just\n\nChannel 0: that.\n\nChannel 1: that that needs details all day.\n\nChannel 0: Yeah. Yep. So\n\nChannel 1: Yeah.\n\nChannel 0: if you want\n\nChannel 1: Yeah.\n\nChannel 0: me\n\nChannel 1: That's\n\nChannel 0: to do\n\nChannel 1: fine.\n\nChannel 0: it that way, I'll just match it up.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And that's it. So, basically, the steps from here is I'll make sure that notice is done so\n\nChannel 1: Yep.\n\nChannel 0: your contributions are sort of the tax.\n\nChannel 1: Yep.\n\nChannel 0: We'll get you booked in to go through the personal statement application for Neos.\n\nChannel 1: Yep.\n\nChannel 0: And then once it's approved, then you should be sweet to to can the hourly portion for yourself.\n\nChannel 1: No worries. Perfect.\n\nChannel 0: Awesome.\n\nChannel 1: Now that all sounds great, man.\n\nChannel 0: As cool. As soon as this comes back signed, we'll pretty much do the investment switches this week anyway.\n\nChannel 1: Yep.\n\nChannel 0: That's something we can just do online. We don't have to send any further forms for that.\n\nChannel 1: Okay. No\n\nChannel 0: The other thing too is I think the third document is just the service agreement. You guys\n\nChannel 1: worries.\n\nChannel 0: are still on the 1.1% partner discount with Oakview. So\n\nChannel 1: Yep.\n\nChannel 0: that just kind of refreshes the consent on the super funds from the July 14 to the July 14. That's kind of like your revolving reference date.\n\nChannel 1: Yep.\n\nChannel 0: Cool. A couple of PDFs is there. When it comes to these documents, so the the buttons will kind of bring you to the spot to sign. It'll stamp\n\nChannel 1: Yep.\n\nChannel 0: on their signatures and so on. There is a quote with Neos to sign as well.\n\nChannel 1: Okay.\n\nChannel 0: Outside of that, you can basically just hit skip, like, next document or scroll through them. Just bear in mind that the last three doc last two documents, they're about eighty four and sixty six pages long, product\n\nChannel 1: I'm just I'm just if it's everything that we've talked to, I've just kind of signed them\n\nChannel 0: documents.\n\nChannel 1: off. Fuck\n\nChannel 0: Yeah.\n\nChannel 1: with me.\n\nChannel 0: It's just for your reference there as well. Once you\n\nChannel 1: Yep.\n\nChannel 0: get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records.\n\nChannel 1: Yep. Yep. Going through that now.\n\nChannel 0: Cool. Did you want me to book in a bit of a time to go through the insurance application with the implementation team? Do you kinda know what your movements are like for the next week or two?\n\nChannel 1: Same time next week would be fine. Yeah. That works.\n\nChannel 0: Yep. Easy done. Same time next week. If there's any issues, I'll get the team to reach out straight away, but\n\nChannel 1: Yep.\n\nChannel 0: I'll get that in for you\n\nChannel 1: Perfect.\n\nChannel 0: for personal statement and give you a bit of a heads up message beforehand.\n\nChannel 1: Perfect.\n\nChannel 0: Sweet. Outside of that, I'll reach out to Danny and go through her updated plan as well. And do you have any questions\n\nChannel 1: No.\n\nChannel 0: for\n\nChannel 1: I think that's all good.\n\nChannel 0: me? Cool. Well, I appreciate it. We had a pretty good outcome there, so all is well that ends well. And I'll update everything on file, And you'll probably be getting a call from Jack on next Monday just to go through the insurance\n\nChannel 1: Yep.\n\nChannel 0: application, and he will give you an update on the rest of the implementation as well. But\n\nChannel 1: Yep.\n\nChannel 0: in between, just keep an ear out for that email for the contributions.\n\nChannel 1: Perfect. And I appreciate your your time and your help getting all this sorted.\n\nChannel 0: No worries. Anytime at all, just give us a buzz.\n\nChannel 1: Appreciate it, mate. Have a good week.\n\nChannel 0: Thanks, Don. You too. Cheers.\n\nChannel 1: Yeah. Take care. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.02043510042130947},{"text":"Hello?","start":4.3199997,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.03445570170879364}],"sentiment":"neutral","sentiment_score":0.027445401065051556,"channel":1,"num_words":2,"start":0.16,"end":4.8199997},{"sentences":[{"text":"Hey, Dom.","start":6.0,"end":6.56,"sentiment":"neutral","sentiment_score":0.13581962510943413},{"text":"It's Tommy here from Oakview.","start":6.56,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.17181285619735717},{"text":"How are you doing?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.2079535610973835}],"sentiment":"neutral","sentiment_score":0.17841070687228983,"channel":0,"num_words":11,"start":6.0,"end":8.58},{"sentences":[{"text":"Good, mate.","start":8.559999,"end":9.12,"sentiment":"positive","sentiment_score":0.5411461293697357},{"text":"Yourself?","start":9.12,"end":9.62,"sentiment":"neutral","sentiment_score":0.3163124918937683}],"sentiment":"positive","sentiment_score":0.46620158354441327,"channel":1,"num_words":3,"start":8.559999,"end":9.62},{"sentences":[{"text":"Alright.","start":9.92,"end":10.24,"sentiment":"neutral","sentiment_score":0.1100042462348938},{"text":"Living in so far.","start":10.24,"end":11.599999,"sentiment":"neutral","sentiment_score":0.01409061811864376},{"text":"A little bit tired.","start":11.599999,"end":12.4,"sentiment":"neutral","sentiment_score":-0.19492631405591965},{"text":"Kids have got me running around a little bit.","start":12.4,"end":13.92,"sentiment":"neutral","sentiment_score":-0.20394209855132633},{"text":"What about","start":13.92,"end":14.535,"sentiment":"neutral","sentiment_score":-0.0708562545478344}],"sentiment":"neutral","sentiment_score":-0.12952649667859079,"channel":0,"num_words":20,"start":9.92,"end":14.535},{"sentences":[{"text":"Simla.","start":15.755,"end":16.235,"sentiment":"neutral","sentiment_score":-0.08038955181837082},{"text":"I'm kinda I'm just being stuck with work the last last week or so.","start":16.235,"end":20.235,"sentiment":"neutral","sentiment_score":-0.11243541219404765},{"text":"So, yeah, just kinda running running to digital line at the moment.","start":20.235,"end":24.494999,"sentiment":"neutral","sentiment_score":0.004006754451741775}],"sentiment":"neutral","sentiment_score":-0.059496454411634696,"channel":1,"num_words":27,"start":15.755,"end":24.494999},{"sentences":[{"text":"you?","start":24.695,"end":24.855,"sentiment":"neutral","sentiment_score":0.0008286610245704651},{"text":"No worries, 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me.","start":915.81,"end":916.47,"sentiment":"neutral","sentiment_score":-0.19858244806528091}],"sentiment":"neutral","sentiment_score":-0.19858244806528091,"channel":1,"num_words":2,"start":915.81,"end":916.47},{"sentences":[{"text":"It's just for your reference there as well.","start":917.105,"end":918.785,"sentiment":"neutral","sentiment_score":-0.09157789684832096},{"text":"Once you","start":918.785,"end":919.105,"sentiment":"neutral","sentiment_score":0.006631840020418168}],"sentiment":"neutral","sentiment_score":-0.07193594947457313,"channel":0,"num_words":10,"start":917.105,"end":919.105},{"sentences":[{"text":"Yep.","start":919.08997,"end":919.58997,"sentiment":"neutral","sentiment_score":0.006209231913089752}],"sentiment":"neutral","sentiment_score":0.006209231913089752,"channel":1,"num_words":1,"start":919.08997,"end":919.58997},{"sentences":[{"text":"get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records.","start":919.105,"end":924.3,"sentiment":"neutral","sentiment_score":-0.015434746807884602}],"sentiment":"neutral","sentiment_score":-0.015434746807884602,"channel":0,"num_words":21,"start":919.105,"end":924.3},{"sentences":[{"text":"Yep.","start":925.125,"end":925.44495,"sentiment":"neutral","sentiment_score":0.05385638773441315},{"text":"Yep.","start":925.44495,"end":925.76495,"sentiment":"neutral","sentiment_score":0.06478552520275116},{"text":"Going through that now.","start":925.76495,"end":926.985,"sentiment":"neutral","sentiment_score":0.10185050219297409}],"sentiment":"neutral","sentiment_score":0.08767398695151012,"channel":1,"num_words":6,"start":925.125,"end":926.985},{"sentences":[{"text":"Cool.","start":927.5,"end":928.0,"sentiment":"neutral","sentiment_score":0.23426306247711184},{"text":"Did you want me to book in a bit of a time to go through the insurance application with the implementation team?","start":928.45996,"end":936.06,"sentiment":"neutral","sentiment_score":0.13462692058899187},{"text":"Do you kinda know what your movements are like for the next week or two?","start":936.06,"end":939.045,"sentiment":"neutral","sentiment_score":0.05469110359748205}],"sentiment":"neutral","sentiment_score":0.10569531235255693,"channel":0,"num_words":38,"start":927.5,"end":939.045},{"sentences":[{"text":"Same time next week would be fine.","start":939.42,"end":941.10004,"sentiment":"neutral","sentiment_score":0.10110605880618095},{"text":"Yeah.","start":941.10004,"end":941.60004,"sentiment":"neutral","sentiment_score":0.19073712825775144},{"text":"That works.","start":941.82,"end":942.56,"sentiment":"neutral","sentiment_score":0.24943527579307556}],"sentiment":"neutral","sentiment_score":0.13973500914871692,"channel":1,"num_words":10,"start":939.42,"end":942.56},{"sentences":[{"text":"Yep.","start":942.14496,"end":942.64496,"sentiment":"neutral","sentiment_score":0.2282121628522873},{"text":"Easy done.","start":943.505,"end":944.325,"sentiment":"positive","sentiment_score":0.358170747756958},{"text":"Same time next week.","start":945.185,"end":946.305,"sentiment":"neutral","sentiment_score":0.1356035340577364},{"text":"If there's any issues, I'll get the team to reach out straight away, but","start":946.305,"end":949.425,"sentiment":"neutral","sentiment_score":0.0777130379740681}],"sentiment":"neutral","sentiment_score":0.12261668220162392,"channel":0,"num_words":21,"start":942.14496,"end":949.425},{"sentences":[{"text":"Yep.","start":949.34,"end":949.84,"sentiment":"neutral","sentiment_score":0.08880533277988434}],"sentiment":"neutral","sentiment_score":0.08880533277988434,"channel":1,"num_words":1,"start":949.34,"end":949.84},{"sentences":[{"text":"I'll get that in for you","start":949.425,"end":950.94,"sentiment":"neutral","sentiment_score":0.1638097663720449}],"sentiment":"neutral","sentiment_score":0.1638097663720449,"channel":0,"num_words":6,"start":949.425,"end":950.94},{"sentences":[{"text":"Perfect.","start":951.34,"end":951.84,"sentiment":"neutral","sentiment_score":0.22331364452838895}],"sentiment":"neutral","sentiment_score":0.22331364452838895,"channel":1,"num_words":1,"start":951.34,"end":951.84},{"sentences":[{"text":"for personal statement and give you a bit of a heads up message beforehand.","start":952.54,"end":957.76,"sentiment":"neutral","sentiment_score":0.18224380910396576}],"sentiment":"neutral","sentiment_score":0.18224380910396576,"channel":0,"num_words":14,"start":952.54,"end":957.76},{"sentences":[{"text":"Perfect.","start":958.665,"end":959.165,"sentiment":"positive","sentiment_score":0.37640631198883057}],"sentiment":"positive","sentiment_score":0.37640631198883057,"channel":1,"num_words":1,"start":958.665,"end":959.165},{"sentences":[{"text":"Sweet.","start":960.14,"end":960.64,"sentiment":"neutral","sentiment_score":0.3175034523010254},{"text":"Outside of that, I'll reach out to Danny and go through her updated plan as well.","start":960.7,"end":964.48,"sentiment":"neutral","sentiment_score":0.2085374528542161},{"text":"And do you have any questions","start":965.58,"end":967.775,"sentiment":"neutral","sentiment_score":0.021292134343336027}],"sentiment":"neutral","sentiment_score":0.16442850017515215,"channel":0,"num_words":23,"start":960.14,"end":967.775},{"sentences":[{"text":"No.","start":967.97,"end":968.29,"sentiment":"neutral","sentiment_score":-0.07458257675170898}],"sentiment":"neutral","sentiment_score":-0.07458257675170898,"channel":1,"num_words":1,"start":967.97,"end":968.29},{"sentences":[{"text":"for","start":968.19507,"end":968.69507,"sentiment":"neutral","sentiment_score":-0.07987039536237717}],"sentiment":"neutral","sentiment_score":-0.07987039536237717,"channel":0,"num_words":1,"start":968.19507,"end":968.69507},{"sentences":[{"text":"I think that's all good.","start":968.29,"end":969.51,"sentiment":"neutral","sentiment_score":-0.013661990314722058}],"sentiment":"neutral","sentiment_score":-0.013661990314722058,"channel":1,"num_words":5,"start":968.29,"end":969.51},{"sentences":[{"text":"me?","start":969.11505,"end":969.61505,"sentiment":"neutral","sentiment_score":0.04776627570390701},{"text":"Cool.","start":970.03503,"end":970.53503,"sentiment":"neutral","sentiment_score":0.31985390186309814},{"text":"Well, I appreciate it.","start":970.675,"end":971.79504,"sentiment":"positive","sentiment_score":0.4691014066338539},{"text":"We had a pretty good outcome there, so all is well that ends well.","start":971.79504,"end":975.79504,"sentiment":"positive","sentiment_score":0.5982105476515633},{"text":"And I'll update everything on file, And you'll probably be getting a call from Jack on next Monday just to go through the insurance","start":975.79504,"end":985.22,"sentiment":"neutral","sentiment_score":0.2813596532990535}],"sentiment":"positive","sentiment_score":0.3948092079636725,"channel":0,"num_words":44,"start":969.11505,"end":985.22},{"sentences":[{"text":"Yep.","start":985.135,"end":985.635,"sentiment":"neutral","sentiment_score":0.2049654722213745}],"sentiment":"neutral","sentiment_score":0.2049654722213745,"channel":1,"num_words":1,"start":985.135,"end":985.635},{"sentences":[{"text":"application, and he will give you an update on the rest of the implementation as well.","start":985.22,"end":988.83997,"sentiment":"neutral","sentiment_score":0.2895997129380703},{"text":"But","start":988.98,"end":989.22,"sentiment":"neutral","sentiment_score":0.2342842072248459}],"sentiment":"neutral","sentiment_score":0.2863458596608218,"channel":0,"num_words":17,"start":985.22,"end":989.22},{"sentences":[{"text":"Yep.","start":989.05505,"end":989.55505,"sentiment":"neutral","sentiment_score":0.20458489656448364}],"sentiment":"neutral","sentiment_score":0.20458489656448364,"channel":1,"num_words":1,"start":989.05505,"end":989.55505},{"sentences":[{"text":"in between, just keep an ear out for that email for the contributions.","start":989.22,"end":992.76,"sentiment":"neutral","sentiment_score":0.32120402271930987}],"sentiment":"neutral","sentiment_score":0.32120402271930987,"channel":0,"num_words":13,"start":989.22,"end":992.76},{"sentences":[{"text":"Perfect.","start":993.51,"end":993.99,"sentiment":"positive","sentiment_score":0.6381049156188965},{"text":"And I appreciate your your time and your help getting all this sorted.","start":993.99,"end":997.37,"sentiment":"positive","sentiment_score":0.7090622232510493}],"sentiment":"positive","sentiment_score":0.703993844134467,"channel":1,"num_words":14,"start":993.51,"end":997.37},{"sentences":[{"text":"No worries.","start":997.765,"end":998.325,"sentiment":"neutral","sentiment_score":0.25319987535476685},{"text":"Anytime at all, just give us a buzz.","start":998.325,"end":1000.105,"sentiment":"neutral","sentiment_score":0.1742749698460102}],"sentiment":"neutral","sentiment_score":0.19005995094776154,"channel":0,"num_words":10,"start":997.765,"end":1000.105},{"sentences":[{"text":"Appreciate it, mate.","start":1000.87,"end":1001.67,"sentiment":"positive","sentiment_score":0.865864078203837},{"text":"Have a good week.","start":1001.67,"end":1002.65,"sentiment":"positive","sentiment_score":0.7718463242053986}],"sentiment":"positive","sentiment_score":0.8121396473475865,"channel":1,"num_words":7,"start":1000.87,"end":1002.65},{"sentences":[{"text":"Thanks, Don.","start":1002.885,"end":1003.52496,"sentiment":"positive","sentiment_score":0.8077413439750671},{"text":"You too.","start":1003.52496,"end":1004.005,"sentiment":"positive","sentiment_score":0.7147057056427002},{"text":"Cheers.","start":1004.005,"end":1004.505,"sentiment":"positive","sentiment_score":0.6672841906547546}],"sentiment":"positive","sentiment_score":0.7424356579780579,"channel":0,"num_words":5,"start":1002.885,"end":1004.505},{"sentences":[{"text":"Yeah.","start":1004.39,"end":1004.55,"sentiment":"positive","sentiment_score":0.4743535816669464},{"text":"Take care.","start":1004.55,"end":1005.11,"sentiment":"positive","sentiment_score":0.515150859951973},{"text":"Bye bye.","start":1005.11,"end":1005.77,"sentiment":"neutral","sentiment_score":0.23946723341941833}],"sentiment":"positive","sentiment_score":0.3967179536819458,"channel":1,"num_words":5,"start":1004.39,"end":1005.77},{"sentences":[{"text":"Bye.","start":1005.925,"end":1006.425,"sentiment":"neutral","sentiment_score":-0.09168357402086258}],"sentiment":"neutral","sentiment_score":-0.09168357402086258,"channel":0,"num_words":1,"start":1005.925,"end":1006.425}]},"summary":{"result":"success","short":"The representative from Oakview called Dom to discuss their updated plan and leave some documents with Dom. Dom had good outcomes, including a signature request and retirement goals. The speaker explains the financial information of the customer's insurance policy, including their coverage, risk profile, and investment fees. The retirement plan and coverage amount and retirement period were discussed, along with the success of the Neos insurance policy and retirement of life insurance coverage. The speaker explains the process of updating the customer's tax forms, setting up a will and power of attorney, and signing and downloading a signed copy of the form. The speaker also mentions a call with the implementation team and promises to update the customer on the rest of the process."},"intents":{"segments":[{"text":"just wanted to kind of run the key points by you and then just kind of leave the documents with you to to have a read through if you're comfortable with the plan, if that's alright. Yeah.","start_word":92,"end_word":128,"intents":[{"intent":"Leave documents","confidence_score":0.001110549}]},{"text":"We were obviously looking at updating your portfolio.","start_word":360,"end_word":367,"intents":[{"intent":"Update portfolio","confidence_score":0.8437422}]},{"text":"Just Yep. got the comparisons with Ali Insurance, Yep. all the cover for income protection and trauma and everything in there.","start_word":376,"end_word":396,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.00046248414}]},{"text":"got the comparisons with Ali Insurance, Yep. all the cover for income protection and trauma and everything in there.","start_word":378,"end_word":396,"intents":[{"intent":"Provide advice on insurance coverage and policy implications","confidence_score":8.5409745e-8}]},{"text":"There's, on the next page, a couple of reminders about the estate planning side of things just in terms of, you know, a will and a power of attorney and so on.","start_word":397,"end_word":428,"intents":[{"intent":"Provide information about estate planning","confidence_score":0.006418037}]},{"text":"And I've included those contributions as well.","start_word":430,"end_word":436,"intents":[{"intent":"Include contributions","confidence_score":0.21812515}]},{"text":"Now what I found from that one is they would have had a bit of a policy anniversary, so the covers would be a tiny bit different and a little bit more expensive than this. This Yep.","start_word":533,"end_word":569,"intents":[{"intent":"Confirm policy changes and costs","confidence_score":0.00015225839}]},{"text":"Pages twelve and thirteen have strategy recommendations. It's pretty text heavy and some advantages and disadvantages.","start_word":670,"end_word":685,"intents":[{"intent":"Discuss strategy recommendations","confidence_score":0.12910293}]},{"text":"The fee comparison on the next page, I've highlighted the differences in green and red for you. Yep.","start_word":922,"end_word":939,"intents":[{"intent":"Address investment differences","confidence_score":0.00006678704}]},{"text":"And the bottom row, performance average. So just on the five year rolling average, this brings it back up to those double digits hitting around the sort of 12.37% mark. Again, Yep.","start_word":1036,"end_word":1067,"intents":[{"intent":"Analyze performance","confidence_score":0.11825444}]},{"text":"Again, came out pretty good on the pricing there. And then what I've also done is for your out of pocket costs. On the next page, you can see life and critical illness in that next little table. Yep. So instead of that kind of 900 or a thousand or above for the life insurance and trauma that you've got with Ali, came out to $22.27 a month.","start_word":1485,"end_word":1552,"intents":[{"intent":"Clarify insurance coverage cost","confidence_score":0.008743762}]},{"text":"have replacement life and trauma cover, which are more affordable, better quality.","start_word":1726,"end_word":1737,"intents":[{"intent":"Replace insurance","confidence_score":0.25460136}]},{"text":"The only thing you wanna do before you cancel anything Yep. is just make sure the policy gets through the underwriting and it comes out okay.","start_word":1803,"end_word":1828,"intents":[{"intent":"Verify policy","confidence_score":0.0049599255},{"intent":"Ensure policy status","confidence_score":0.00037274818}]},{"text":"We've got a bit of an impact table on page 23 where it just says, look, if you do have insurance versus not, what are the differences there that it actually Yep. makes to the super? Because obviously, premiums slow down the growth. Yep.","start_word":1874,"end_word":1917,"intents":[{"intent":"Evaluate impact","confidence_score":0.000039158924}]},{"text":"Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with.","start_word":2081,"end_word":2103,"intents":[{"intent":"Confirm and claim tax returns","confidence_score":0.011942253}]},{"text":"Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with. Yep. We'll do the same for this financial year once it finishes, but I have just put in there that thousand a month. Year once it finishes, but I have just put in there that thousand a month. And then when it comes time for June, we'll do another one of these intent to claim forms for you.","start_word":2081,"end_word":2161,"intents":[{"intent":"Make declaration","confidence_score":0.00004767931}]},{"text":"your contributions are sort of the tax. Yep.","start_word":2290,"end_word":2297,"intents":[{"intent":"Apologize for wrong contributions","confidence_score":0.0000022647464}]},{"text":"that just kind of refreshes the consent on the super funds from the July 14 to the July 14. That's kind of like your revolving reference date. Yep.","start_word":2409,"end_word":2436,"intents":[{"intent":"Update consent on super funds","confidence_score":0.019197375}]},{"text":"get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records. Yep.","start_word":2556,"end_word":2577,"intents":[{"intent":"Validate documents","confidence_score":0.15876624}]},{"text":"Did you want me to book in a bit of a time to go through the insurance application with the implementation team? Do you kinda know what your movements are like for the next week or two?","start_word":2584,"end_word":2620,"intents":[{"intent":"Book insurance appointment","confidence_score":0.03681325}]},{"text":"Outside of that, I'll reach out to Danny and go through her updated plan as well.","start_word":2676,"end_word":2691,"intents":[{"intent":"Update plan","confidence_score":0.59805036}]},{"text":"in between, just keep an ear out for that email for the contributions.","start_word":2768,"end_word":2780,"intents":[{"intent":"Receive email","confidence_score":0.014283996}]},{"text":"And I appreciate your your time and your help getting all this sorted. No worries.","start_word":2782,"end_word":2796,"intents":[{"intent":"Help with implementation","confidence_score":0.105701245}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hey, Dom. It's Tommy here from Oakview. How are you doing?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.14738306403160095},{"text":"Good, mate.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.5327892303466797},{"text":"Yourself? Alright. Living in so far. A little bit tired. Kids have got me running around a little bit. What about Simla. I'm kinda I'm just being stuck with work the last last week or so. So, yeah, just kinda running running to digital line at the moment. you? No worries, mate. I won't take up too much of your time today, but I had some pretty good outcomes for your updated plan. Yeah. So I Yep. just wanted to kind of run the key points by you and then just kind of leave the documents with you to to have a read through if you're comfortable with the plan, if that's alright. Yeah. No worries.","start_word":15,"end_word":130,"sentiment":"neutral","sentiment_score":0.12740927934646606},{"text":"Cool. I'm gonna pop them through to your email just so you've got them.","start_word":131,"end_word":144,"sentiment":"positive","sentiment_score":0.3598119020462036},{"text":"Were you gonna look onto it with me, or should I just kinda walk you through it?","start_word":145,"end_word":161,"sentiment":"neutral","sentiment_score":0.26015907526016235},{"text":"I'm happy to look at it while you're kinda talking to it, Steve.","start_word":162,"end_word":174,"sentiment":"positive","sentiment_score":0.5101585388183594},{"text":"Yep. Alright. Just give me one sec. And just while I'm doing that, mate, can I just confirm date of birth and address for security? March 8. Perfect.","start_word":175,"end_word":202,"sentiment":"neutral","sentiment_score":0.14662249386310575},{"text":"Now that should come through pretty quickly.","start_word":203,"end_word":209,"sentiment":"positive","sentiment_score":0.40498924255371094},{"text":"I'm just gonna hit a little bit of a resend there for you. There's about six documents there. Most of them are product documents, a bit of updated research as well, Yep. but the main one is just the statement of advice. So just let me know if you can see Yep. Just a signature that request. coming through. That's the one. So pop Yep. into there. If you hit the purple button, it'll bring up the documents to scroll through. It'll Yep. let you scroll through them and skip around to the different documents as well. Yep. Now you should see that beachfront city picture for the Gold Coast on it. Yep. Beauty. So if you pop down just a couple of quick sort of housekeeping items on page three and four is Mhmm. a scope of advice. Yep. So I've got your and Daniella's retirement goal in there. We were obviously looking at updating your portfolio. I went through pretty heavily with the insurances. Just Yep. got the comparisons with Ali Insurance, Yep. all the cover for income protection and trauma and everything in there. There's, on the next page, a couple of reminders about the estate planning side of things just in terms of, you know, a will and a power of attorney and so on. Yep. And I've included those contributions as well. So whatever was coming in from one of the, Yeah. debt management at this point, and no personal investment advice in this document. Okay. Just swing through to pages seven and eight, you'll see the about you section where we've got your occupation as a graphic designer. Yeah. We've got your email, phone number, a $150 approx. Asset to liabilities, the home shares, car offset account, and just the Yeah. in the car loan there. Yeah. Now if you swing through, page nine's got your Ali Group cover from the last figure that we had. Yep. Now what I found from that one is they would have had a bit of a policy anniversary, so the covers would be a tiny bit different and a little bit more expensive than this. This Yep. was just from June 11. We did have Daniella's portion of it, but they Yep. weren't sending through yours yet. That's alright. But I did confirm with them, with the joint policy, you can actually, like, essentially drop off the policy, Yeah. no longer be a life insured. The premiums for your portion will just be wiped out, essentially. So and Okay. it won't impact her Okay. cover. Now if you go down to next one, we've just got your risk profile still as high growth. Again, it's the engine tune up rather than a full Yep. sweeping change. Yep. Pages twelve and thirteen have strategy recommendations. It's pretty text heavy and some advantages and disadvantages.","start_word":210,"end_word":685,"sentiment":"neutral","sentiment_score":0.046405986696873014},{"text":"The main thing is we found far more affordable investments, a lot lower investment Yep.","start_word":686,"end_word":700,"sentiment":"positive","sentiment_score":0.33366498351097107},{"text":"fees. Yep. The trade off for it is because they are ETFs, There's a little bit of capital gains tax inside the super to switch them around, which is only Okay. a couple of $100, Yep. and there's some brokerage fees. So they usually charge, like, 0.11% to purchase them. And then from that day onwards, they're kind of the cheapest investments. Now if you go down to the actual figures, Yep. Okay. Yep. table, second last column under target weight, you can just see the round figures there, the seven percent zero six nine. Can you see that? Yep. So what this is essentially doing is rebalancing the investments back to the model portfolio, each allocation. The second row, Bennelong, which was underperforming, is being removed. Okay. And the second last one, beta shares Australia 200, that's your replacement index option for that portion. There's a bit Okay. And and just some deployment of some cash that was building up as well. But Yeah. if you go to the main figures on '17 and '18, you'll see the pie chart there for the asset allocation. Yep. Middle row, growth total in gray. High Mhmm. growth, you're aiming for about 90% or 90 to 100. You're sitting at 91, and you'll bump up slightly to 94 with the rebalance. Yep. Okay. The fee comparison on the next page, I've highlighted the differences in green and red for you. Yep. So top right, the difference there, the $2.23, that's capital gains tax that the super options had holding under the hood. Yeah. The investment fees there, $751 less. It's percentage based, the investment fees, but that's just based on that balance. So it goes from that $9.87 down to $2.36. It's pretty much like a 70% reduction in investment fees. Yep. Okay. Adviser service fees go up a tiny bit because, obviously, the balance is increasing and Yep. insurance premium. So a full suite policy came out to about 1,400 after the 15% rebate. Okay. And the bottom row, performance average.","start_word":701,"end_word":1040,"sentiment":"neutral","sentiment_score":0.07875539423788296},{"text":"So just on the five year rolling average, this brings it back up to those double digits hitting around the sort of 12.37% mark.","start_word":1041,"end_word":1064,"sentiment":"positive","sentiment_score":0.394606500864029},{"text":"Again, Yep.","start_word":1065,"end_word":1066,"sentiment":"neutral","sentiment_score":0.3193037509918213},{"text":"high growth, you kind of want 10 or above.","start_word":1067,"end_word":1075,"sentiment":"positive","sentiment_score":0.3958405554294586},{"text":"Okay. Updated projections under that table. So the impact of it should be somewhere between 50 to 150,000 over the next five and ten years, Yep. factoring in the premiums, the capital gains, the brokerage, performance, and investment K. No worries. fees. Performance table after that, you can just see a bit more consistency over one, three, five, and ten years. Just trying to make sure all time periods are in that area.","start_word":1076,"end_word":1148,"sentiment":"neutral","sentiment_score":0.21088732779026031},{"text":"Yep. And that's pretty much it for the super so far.","start_word":1149,"end_word":1159,"sentiment":"positive","sentiment_score":0.4740597903728485},{"text":"So I factored in all the contributions.","start_word":1160,"end_word":1166,"sentiment":"neutral","sentiment_score":0.3319547772407532},{"text":"The portfolio should be right on track again.","start_word":1167,"end_word":1174,"sentiment":"positive","sentiment_score":0.5103774666786194},{"text":"And then we come to the insurance section. Do you have any questions on that so far? Not that all same, though. Cool. When it comes to the insurances, so comparing the top four providers, Neos came out the best for you. And I did confirm for them that you you do obviously see clients a little K. bit as well. Yep.","start_word":1175,"end_word":1236,"sentiment":"neutral","sentiment_score":0.1839174926280975},{"text":"So they were totally happy with the occupation rating, which came out really well.","start_word":1237,"end_word":1250,"sentiment":"positive","sentiment_score":0.6154509782791138},{"text":"We've got the top table you can see here on page 20, life, TBD, and income protection. Yep. So what I've essentially done here is the 480,000 that we had noted for Ali, it's being replaced by this life policy in super where it gets, Yep. like, a 15% tax rebate. Okay. Attached to it is 486,000 worth of total disability. So there's a lump sum if you can never work again, so you don't currently have that. That's Yeah. getting added on. Okay. Quick little point on linking cover. It shares the same pool of life insurance funds. So if you claim on TPD like you're in a car accident, you can never work again and get 400,000, it'll Yeah. deplete the life insurance by that amount. But there's a a life cover buyback that'll fill it back up again. Okay. Claim on both.","start_word":1251,"end_word":1395,"sentiment":"neutral","sentiment_score":0.03699519069030367},{"text":"Perfect. The income protection came out pretty good. So we were able to get the thirty day waiting period, which is the kind of standard mainline Yep.","start_word":1396,"end_word":1422,"sentiment":"positive","sentiment_score":0.5275645852088928},{"text":"and a benefit of all the way up to the age of 65. I've got the cover amount set as 8 Yep. thousand 750 a month worth of cover, which, again, just bear in mind, that's a couple of grand a week just under Yep. after tax. It's the full 70% maximum, Yep. which covers the $150 worth of income. Yeah. Okay.","start_word":1423,"end_word":1484,"sentiment":"neutral","sentiment_score":0.1910550892353058},{"text":"Again, came out pretty good on the pricing there.","start_word":1485,"end_word":1493,"sentiment":"positive","sentiment_score":0.34927651286125183},{"text":"And then what I've also done is for your out of pocket costs. On the next page, you can see life and critical illness in that next little table. Yep. So instead of that kind of 900 or a thousand or above for the life insurance and trauma that you've got with Ali, came out to $22.27 a month. Okay. So $22.27. Just under 300 Yep. And how much was it with Dali? Sorry. bucks. About 1,000. Yeah. Okay. So I'm getting more for, what, 70% less. Yeah. If you add on the life that's inside super, it probably brings up the total. I've got it noted down here. Bear with me two secs. We've got a few 100 for that. Yeah. So it's about, like, $5,600 all up instead of a thousand when you got all the yeah. And the crazy thing too is in the appendix, you'll see there's a little comparison table in feature scores. Yep. Yep. That's all, like, the fine print under the hood. Most providers were all bouncing between 80 and 90. Ali came out at 60, and Nios was 91, Okay. Jeez. the sort of second highest feature score, but the lowest cost. Yeah. Yeah.","start_word":1494,"end_word":1695,"sentiment":"neutral","sentiment_score":0.09428730607032776},{"text":"Nice.","start_word":1696,"end_word":1696,"sentiment":"positive","sentiment_score":0.41227173805236816},{"text":"Underneath that, mate, there's a big wall of text there just basically saying you will now have TPD and income protection that you didn't have before. You'll Yep.","start_word":1697,"end_word":1724,"sentiment":"neutral","sentiment_score":0.06337364763021469},{"text":"have replacement life and trauma cover, which are more affordable, better quality. Technically, what I've done is to make the trauma cover even cheaper is I linked a tiny bit of life insurance to it, Yep. and it actually is cheaper than just having trauma by itself.","start_word":1725,"end_word":1771,"sentiment":"positive","sentiment_score":0.49504005908966064},{"text":"And so, technically, you're over insured by a $145, but Yep. it was less than not having it. Yeah. Okay. K.","start_word":1772,"end_word":1792,"sentiment":"neutral","sentiment_score":0.15466895699501038},{"text":"So I think you should be good to replace it.","start_word":1793,"end_word":1802,"sentiment":"positive","sentiment_score":0.4624168276786804},{"text":"The only thing you wanna do before you cancel anything Yep. is just make sure the policy gets through the underwriting and it comes out okay. I think the only thing we had noted down was a shoulder concern, which I don't think they had much Yeah. of a problem with. And I it hasn't made a problem for fifteen, Decades. twenty years, whatever it's Yep. been. Yeah. Yep. Exactly right. We've got a bit of an impact table on page 23 where it just says, look, if you do have insurance versus not, what are the differences there that it actually Yep. makes to the super? Because obviously, premiums slow down the growth. Yep. Gotta keep a lid on cost. And outside of that, page 26 onwards is basically your tax tables for the contributions that you're doing. Yep. If you recall, we were kind of looking at doing that notice of intent to claim for your tax return to claim the Yep. contributions. Yep. So I don't know if you've gotten the confirmation letter from that just yet, but if not, just make I sure don't you get think that so. before. Okay. I'll follow that up with the admin team. Just make Yep. sure you get that before you submit your tax return. Yep. So everything that I need to do from here, just to say that one again for the the tax contributions. Tax Yeah. contributions. So I believe the amounts that went in there previously, I Yep. think there was a forgive me if I'm wrong on this one, 4 and a thousand for last Yep. financial year. That's gonna be claims. Once it's confirmed that the super fund has told the tax office, you get a confirmation letter to do your tax return with. Yep. We'll do the same for this financial year once it finishes, but I have just put in there that thousand a month. Year once it finishes, but I have just put in there that thousand a month. And then when it comes time for June, we'll do another one of these intent to claim forms for you. Yes. From there, everything else in the document is basically just why you should establish a will and a power of Yep. attorney for the estate planning. But that's about it. Once we put in place the Neos policy, we'll obviously have to put a beneficiary nomination down as well. Yep. So if you just want me to kind of mimic what you've got on the super there, we can kind of just I assume mirror that's just that. that that needs details all day. Yeah. Yep. So Yeah. if you want Yeah. me That's to do fine. it that way, I'll just match it up. Yep.","start_word":1803,"end_word":2267,"sentiment":"neutral","sentiment_score":0.03763635895635572},{"text":"That's fine. Perfect.","start_word":2268,"end_word":2270,"sentiment":"positive","sentiment_score":0.40517884492874146},{"text":"And that's it. So, basically, the steps from here is I'll make sure that notice is done so Yep. your contributions are sort of the tax. Yep. We'll get you booked in to go through the personal statement application for Neos. Yep. And then once it's approved, then you should be sweet to to can the hourly portion for yourself. No worries.","start_word":2271,"end_word":2332,"sentiment":"neutral","sentiment_score":0.15010780096054077},{"text":"Perfect. Awesome. Now that all sounds great, man. As cool.","start_word":2333,"end_word":2342,"sentiment":"positive","sentiment_score":0.7310434579849243},{"text":"As soon as this comes back signed, we'll pretty much do the investment switches this week anyway. Yep. That's something we can just do online. We don't have to send any further forms for that. Okay. No The other thing too is I think the third document is just the service agreement. You guys worries. are still on the 1.1% partner discount with Oakview. So Yep. that just kind of refreshes the consent on the super funds from the July 14 to the July 14. That's kind of like your revolving reference date. Yep.","start_word":2343,"end_word":2436,"sentiment":"neutral","sentiment_score":0.10286221653223038},{"text":"Cool.","start_word":2437,"end_word":2437,"sentiment":"positive","sentiment_score":0.4389282166957855},{"text":"A couple of PDFs is there. When it comes to these documents, so the the buttons will kind of bring you to the spot to sign. It'll stamp Yep. on their signatures and so on. There is a quote with Neos to sign as well. Okay. Outside of that, you can basically just hit skip, like, next document or scroll through them. Just bear in mind that the last three doc last two documents, they're about eighty four and sixty six pages long, product I'm just I'm just if it's everything that we've talked to, I've just kind of signed them documents. off. Fuck Yeah. with me. It's just for your reference there as well. Once you Yep. get to the the end, it'll say validate, and then it'll ask you to download a signed copy for your records. Yep. Yep. Going through that now. Cool. Did you want me to book in a bit of a time to go through the insurance application with the implementation team? Do you kinda know what your movements are like for the next week or two? Same time next week would be fine. Yeah. That works. Yep.","start_word":2438,"end_word":2631,"sentiment":"neutral","sentiment_score":0.021630064881953997},{"text":"Easy done.","start_word":2632,"end_word":2633,"sentiment":"positive","sentiment_score":0.34237584471702576},{"text":"Same time next week. If there's any issues, I'll get the team to reach out straight away, but Yep. I'll get that in for you Perfect. for personal statement and give you a bit of a heads up message beforehand.","start_word":2634,"end_word":2673,"sentiment":"neutral","sentiment_score":0.13134025037288666},{"text":"Perfect.","start_word":2674,"end_word":2674,"sentiment":"positive","sentiment_score":0.37640631198883057},{"text":"Sweet. Outside of that, I'll reach out to Danny and go through her updated plan as well. And do you have any questions No. for I think that's all good. me? Cool.","start_word":2675,"end_word":2706,"sentiment":"neutral","sentiment_score":0.11860910803079604},{"text":"Well, I appreciate it. We had a pretty good outcome there, so all is well that ends well.","start_word":2707,"end_word":2724,"sentiment":"positive","sentiment_score":0.5586134791374207},{"text":"And I'll update everything on file, And you'll probably be getting a call from Jack on next Monday just to go through the insurance Yep. application, and he will give you an update on the rest of the implementation as well. But Yep. in between, just keep an ear out for that email for the contributions.","start_word":2725,"end_word":2780,"sentiment":"neutral","sentiment_score":0.2822239100933075},{"text":"Perfect. And I appreciate your your time and your help getting all this sorted.","start_word":2781,"end_word":2794,"sentiment":"positive","sentiment_score":0.7012391090393066},{"text":"No worries. Anytime at all, just give us a buzz.","start_word":2795,"end_word":2804,"sentiment":"neutral","sentiment_score":0.20991650223731995},{"text":"Appreciate it, mate. Have a good week. Thanks, Don. You too. Cheers. Yeah. Take care.","start_word":2805,"end_word":2819,"sentiment":"positive","sentiment_score":0.737330973148346},{"text":"Bye bye. Bye.","start_word":2820,"end_word":2822,"sentiment":"neutral","sentiment_score":0.21929973363876343}],"average":{"sentiment":"neutral","sentiment_score":0.1232565700417698}}}}