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Yep. Beautiful. Do you happen to have access to your emails there as well? If you don't, that's okay. Don't worry. Yep. That's okay. If you're somewhere secure because we are discussing your personal information, it's absolutely fine. If not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself. It's completely up to you. Yeah. You're right. Excellent. I'm I'm sending the email through to you now as well. That way, it's on its way to you. It's got the advice document attached there. Just while that is coming through, Darren, I do have to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Lovely. Excellent. And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file for you. Yep. Yep. Beautiful. Thank you so much for that. That email popped through there yet. Yep. Beautiful. So when you open that one up there, you'll see it does have a little button that says sign. You do need to click on that to be able to move forward. However, it just lets you scroll up and down to the documents, so you don't actually have to sign it. You're welcome to take it back and have a read through it prior to taking on any of the recommendations. Okay? Yep. Yeah. That's okay. Not a problem at all. I'll run through the things that I need to. Feel free to let me know if you do happen to have any questions. I'll try to keep it nice and brief for you, and then you're able to go back and have a really good read of it. Okay? Perfect. Now, Darren, the advice has been provided for yourself as of the 03/30/2026 when we completed the document. Our documents do stay valid for sixty days. On the bottom there, it does note my authorized representative number. I'm registered through Aspik as a registered financial adviser, and my number is 1304394. This document was updating your circumstances by looking at areas of superannuation as you're hoping to be able to retire by the age of 67, hoping to draw an income of about 95,000 per year in retirement at the moment. We also looked at the personal insurance aspect. You've got your life, your safety, income protection now. You want us to see if we could get something different for you. You were aiming to have between 350 to 400,000 of life and CBD cover and TBD if you are unable to work or passing away to protect your family. We've also looked at the estate planning side of things to make sure that your beneficiary nominations are in line with your goals, And we've also, on a limited basis, scoping the Social Security side of things and retirement planning. So whilst we're not quite there yet, you've got a bit of time ahead of you still. We've scoped that into a limited base to show you the projected outcome based on the recommendations we're making currently. And this is fluid, so we'll keep updating the recommendations as we need to as your life changes as we are working towards the goal long term. Okay? Areas that we've not considered. So we're not providing any cash flow or savings advice at the moment. However, down the track, if you need additional advice in these sorts of areas, you're welcome to let me know. Okay? Beautiful. Now as you are running through the document, you've got the about you and your assets and liabilities. This has all been updated since our last conversation. Now when you do review that one, if you do find there are any updates that needs to be made to those, please let me know. I'm more than happy to do so. Okay. Excellent. Now with the recommendations, firstly, the super. So I am recommending that we do retain both your hub 20 four and your care super. I've got the appendix, and I'll show you in the appendix when you're looking at it essentially the outcome there. I had a look at the insurance side of things really deeply. So we did do that pre and we went back to the insurers and looked at the outcome there. Unfortunately, because of your health history, disability cover was gonna have three easy exclusions, which meant you weren't gonna be able to claim on any of the policies for any of your preexisting medical conditions, which basically meant you were gonna be it's gonna be very hard to claim on any disability policies even if they offered them. Generally, when an insurer has three exclusions on a disability cover, it's a straight decline. So if they were willing to offer cover with those exclusions, it would make it very, very hard to claim and very expensive to to have. Otherwise, a lot of them came back and said there would be a straight decline for you. So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper. You currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment. So I would be very unsure about replacing a policy that you can hardly claim on for a policy that would have a lot more restrictions around claiming and be more expensive for doing so. Okay? Absolutely. It's good that we've gone back and we've had a really good look so we understand where things are at for you, and we have a bit of a starting point moving forward as well. So it is about retaining both of those funds at the moment. We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa. So every year, we do the reviews with you. We're gonna go over and roll everything bar 15,000. I'm keeping 15,000 in CareSoupa Slaver because it's a minimum of 10,000 to make sure we're hitting the minimum threshold. We're accounting for volatility in the market, but then also on top of that leaving enough reinsurance premiums there. So it's giving you a buffer in case of market downturns, which with the volatility we are seeing is a possibility there. So you'll keep both those funds, keep your contributions going into CareSuper there for me. We'll make sure a new TPA is applied to the policy. It does look the TPA has lapsed with them. So I'll go back and add a new authority onto the policy. I'll look after both of those accounts for you. We do wanna retain 15,000 in CareSlooper. And then when we do reviews with you, everything over that 15,000 will be rolled into hub twenty four. We can do it on a yearly basis. We can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover. So when we do the catch ups with you, we'll make sure we call carefully if we get a balance from them, and then we could decide whether we dollar cost average enroll money over on a regular basis or whether we do it once a year depending on your circumstances at the time. Does that make sense so far? Beautiful. I did also, as an alternative, consider transfer terms. So canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four. Transfer terms is basically transferring the same level of cover. However, the risk factor is slightly different. And the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover. And hub twenty four do have on those transfer terms exclusion period where preexisting conditions can't be claimed for a certain period of time. So, I determined with the increase in cost for the same level of cover and having an exclusion period on preexisting conditions, it was better for you to retain CareSuper and have twenty four as two separate funds, and we monitor everything for you the way it is. Okay? Yep. It is because I also looked at canceling that, and I don't know how CareSuper do this, but we did a quote with CareSuper to see if canceling the income protection was gonna make the policy cheaper for you, and it unfortunately increased the cost of it. So because they bundle a life TBD and income protection, I think you're getting a bit of a multi policy discount in with inside there. It actually increased the policy quite significantly, and we've added all those quotes into the appendix so you can see them. But it actually worked out in your benefit whilst the income protection's just under the 70% there. It is giving you a little bit of an additional buffer in the event you had the claim, and it's actually keeping the policy slightly cheaper for you, which is gonna give you a greater benefit long term. So I'm gonna recommend you keep all three of those policies as they are, just until you don't need them anymore at a point where your super balance is good, you've got no debt, you're comfortable with not having any life saving your income protections, then we can look to consolidate and But that comes down to when it's comfortable for you to do so. If we get to 60 and then we decide you no longer need them anymore, that's absolutely okay. But we'll just keep monitoring things with you long term. But it all came down to what you have, what you needed, but also what was cost effective. And, unfortunately, when we get into our fifties, things do become a lot more expensive. The risk of us claiming increases, so we are seen as very high risk, unfortunately. So I've I've got all those in the appendix. All good. Absolutely. It is. It is. And that's why I put them in the appendix. So when you are looking at that document, you can go through and have a look at the difference in quotes. I've got the different projection tables in there to show you the outcome and why we've gone the way we have with this one. Okay? Excellent. Now with your hub 24, I'm not changing any of the investments within your care, Sue, but everything there looks to be fine at the moment. We would be rolling because you've got a bit over 21,000 in there at the moment, rolling about 6,453 from CareSoup in the hub 24. I am looking to change some of the investments. So we did note when we spoke last time, some of the investments have been underperforming there. So what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you. If you're looking at the document, if you wanna look at page number twenty five and twenty six, this shows you the changes I'll be making with the investments for you. Perfect. Yeah. That's that's okay. That's not a problem at all. Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech. It has been very volatile. It is still a good investment to have. However, this newer portfolio is cheaper and has been working much better. So removing all of the battery and lithium tech, removing all of the agriculture in the investment portfolio, we're keeping some cybersecurity and just topping that up a little bit. We're still gonna keep exposure sorry. We're getting bit of exposure into Asia and keeping exposure into Europe and topping that up a little bit for you. We are keeping the exposure into the S and P 500, the top 500 companies in The US, and just topping that up a little bit there as well. We'll be getting rid of the Global Healthcare, getting rid of the Vanguard diversified index, and getting rid of the Vanna Long Australian equities, which has been severely underperforming for you in your portfolio. And we're gonna increase exposure and add in exposure to Japan. We're gonna keep the diversification by making sure you've got global access and putting you into the Vanguard all world ex US. So that's giving you access to well established countries, all countries except for The US, essentially, so giving you diversified worldwide exposure into all the different industries there. It's into a well established industries and companies and established markets as well as some up and coming as well. So we're giving you a little bit of exposure into what has already been established, but also up and coming areas and changes that we see. The Vanguard all wealth all world index tracks the all world basically, the entire market by The US. So it's about making sure you've got diversification, but also investments that have a good track record, and that have performed really well in the past. And this one has done really, really well. It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important. Okay? With removing the Vanguard Australian Equities, we're putting the money into the a 200, the Australian 200. So it's still giving you access to Australian equities. It's tracking the top 200 companies on the ASX. And the good thing about this investment is it's cheaper than the the than a long Australian equities, but it's also making sure you always invest in the top 200 companies. One of the things with this newer portfolio is that it's not sort of more actively managed. It's more of a passively managed portfolio. It's these investments attracting a certain industry, which is great. That tends to keep it a lot more cheaper for you. You're not paying for high end investment managers who are trying to outperform the market and taking more risk in the back end of the market. We're tracking indices, and we're sitting in investments that have seen a greater track record that have shown that they can perform and have withstood market volatility in the past, which is important as well. Okay? The a 200 gives you access to the top 200 companies on the ASF and tracks the top 200 companies there. So one of the benefits of the a 200, and you get this benefit with the S and P as well, is that the industry the the investment committee for the industry, sorry, meet every quarter. So where a company no longer meets the criteria to be in the top 200 of Australian on the ASEC or the S and P 500, they are removed from that industry, in which case they're removed out of these investments as well. So you are always tracking the top con the top companies on the S and P and in the a 200 and not having to sit with underperforming investments. It's also cheaper and taking a lot more lower risk, which is really important for you as well. Okay? Yes. Yep. Yeah. No. Yeah. Absolutely. So we are moving you down into more that growth environment, which is taking a bit more low risk. And the expectation of what we're looking for, we're hoping for out of a growth portfolio between seven to 9% on a yearly basis. If you can get that, you know, moving forward, you'll be pretty well working on track for that portfolio, which is great. We know some years you're gonna get greater returns. We've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic. And with the volatility we are seeing this year, I would expect we might see a little bit lower of returns. So something under seven percent, but that's because there's a lot of uncertainty and a lot of movement in the market at the moment. But what we wanna do is make these yeah. Sorry. Yeah. Yeah. Absolutely. Absolutely. Yeah. Yep. Absolutely. This it was very overvalued, and it still technically is because the pullback hasn't been that much. I had a look when I was looking at the all odds with the all odds, and it's essentially giving you a combination of the entire market. And when I looked at the other day, over the last few months, it was down by about 7% as a total. That's not a huge increase. Sorry. That's not a massive pullback when you consider. Over the last sort of three to four years, we've actually seen a good 20 or 30% return of the market as a whole. So it's just a slight pullback. It's not a depression or anything crazy. It's seen as a bit more of a correction. It is gonna come back, and these investments we're putting you in have been through COVID times. They've been through the DFC. They've seen very large market dips and then come back and recovered. So and that's what's really important to me, making sure that you're in something passive that's lower in phase. The portfolio the investment fees, if you when you're looking at the table there on page number 29, it actually shows you by making these changes here, you're actually gonna save for the first year about $715 in investment fees. That's a pretty big saving on investment fees, making sure that more money is invested for you working harder. And the CGT, because they're no longer been underperforming, the CGT consequences for making these changes, it's about a $159. So not a bad CGT consequence. We're retaining as much as we possibly can and making sure that you're in a low cost, well performing portfolio. We are reducing the risk of it. Also, we're moving you out of the high growth environment into the growth environment. You're reducing your risk in the market by about 10%, which is good. It is time to start sort of pulling back a little bit, especially in these volatile times. And the portfolio that we have looked at, we've looked at a five year rolling average to show what it has averaged over the past five years, but the the portfolio we're moving into has averaged about 12.6%. So it's not by any means saying that you're gonna get that every year. It's saying this is what it has averaged when we look at it over the past five years. So it has averaged a greater level of return, hoping to lower the risk level for you and reduce the overall fees as well. Okay? Yep. That's pretty good. Absolutely. And we'll make sure that we're updating things with you and checking in to see how things are going. And you've got my email here as well. So if you can send about anything, email me and let me know, and I'll talk you through it. Okay? AUC. Beautiful. Thank you. Yeah. Yep. Beautiful. Beautiful. Excellent. I will also explain. We do have in there, as I mentioned, the limited scope around the retirement aspect. So I do do some modeling for to sort of see where this is taking you long term based on our current projections. I know you're aiming for an incoming retirement of about 95,000 per annum. This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen. So it's not quite not quite meeting your goal there at the moment, but this is just the starting point. We can look down the track at additional contributions. When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly similar. We can also look at other portfolios down the track and sort of see what we're doing. So this is a starting point to kinda get you back on track now, and then we'll keep building on that as we get closer and closer. Okay? Yeah. Yep. It's lower. Absolutely. No. No. Correct. Yep. Correct. Yeah. Beautiful. Beautiful. Yeah. Yes. Yep. Absolutely. No. Correct. Absolutely. And I'll make sure we're working harder with you. Moving forward with the catch ups, how often did you want us to do them? Do you wanna maybe check-in with me once every quarter or every six months? What's comfortable for you and your lifestyle at the moment? Six monthly? Yep. Yep. Yeah. Yeah. Yeah. Yep. I can jump in and let you know. Sorry. Two seconds. I'll jump in the hub real quick. There we go. Beautiful. While I'm jumping in here, I will make I've made a note here. It's a six monthly, so I'll make it down. It's in our calendar. Sorry. My admin team member, Michelle, she'll give you a call in a in a couple of months. We'll book in your first catch up, and we'll make sure that moving forward, these catch ups do occur for you so you are getting those updates. And as I said, you've got my email. If something's concerning you, email me. I do look at the markets on a regular basis. I invest in my speaker, but also in my own name as well. So I am looking at the markets at what's happening. And, you know, if there is a need of the concern, we'll definitely bring it up with you. Sorry. I have this taking a second to load, but here we go. Okay. Absolutely. Absolutely. We have had a little bit of a change in the business, so they set it up a bit more. So instead of having any adviser give you a call, it will just be me. I've put you into my book, and so myself and Michelle will be the ones that make contact with you. You'll speak to her a lot as well as myself. You can call and book in extra times with you. You're not limited to just once every six months. If you are concerned or you want an extra catch up, you let me know or, you know, we can, yeah, make a time to catch up with you. I work longer Monday to Thursday, so I work after hours as well. So you you know, we'll make sure that we're here for you and that you do get those catch ups moving forward because it is really important that you are getting the value out of our service, and I wanna make sure that things are working harder for you. Okay? Beautiful. So having a look now, I'm in here. Your balance in hub as of now, we're sitting at a 182,830. So on here, we had it's dropped about just over $2 at the moment. Yeah. Yeah. So slight dip in the market there. Been along sort of holding. Hasn't really come back in any way, shape, or form, but that's the one investment that over the course of everything is holding your portfolio back a little bit more. Because when I look at from inception, everything else has been performing really, really well. So once we remove Benelon out of there, get the a 200 in, make those changes to the portfolio, then let it sit for a little bit, let it do its thing through these market ups and downs, then we'll come back and review what it's doing for you. But it is it is all Benelon kinda holding it back at the moment. Okay? It has been a difficult one. Yeah. Well, do everything I can to help you kind of make it all back. Okay? All good. The last part of the advice is just the the estate planning side of things. So you we just wanna make sure your beneficiaries are up to date. So we are gonna recommend that you do binding non lapsing beneficiaries, nominating your wife receives everything in the event of that passing with CareSoup, but we weren't able to see exactly what it had noted there, but we're gonna go back and double check. Yeah? Beautiful. It's numb so you've got a nonbinding? I'm gonna update that. You're right? Okay. So nonbinding means that you've made the nomination, but the trustee if you pass away, the trustee has discretion to make that decision so they don't have to follow the direction. It doesn't bind them to to follow through. Is it bind with the one in care sweep, it does it say binding non lapsing or binding lapsing? If you're not sure. Yeah. Perfect. Yep. Beautiful. Because I wanna make sure that they both definitely are. I still wanted to have this in the advice to sort of, like, this is where we're starting off with the with the estate planning side of things. We'll make sure that everything is in line because binding, non lapsing binds the trustee to follow that direction so long as your nomination is valid. And non lapsing means you don't have to keep filling out the document. These are annoying documents to fill out. So filling it out once, and then we review that with you continuously to make sure it remains in line with your needs. And when something changes, if you say, hey. That's not suitable anymore, then we'll look to change that with you. Okay? Yep. Yes. Hub definitely is. Yes. Yep. Absolutely. If you can avoid that, absolutely. They make these 90 nominations very difficult to fill out, and they shouldn't do, but they absolutely do make them hard. So if we can alleviate that pressure on you, we'll 100% help you out with it. But I wanted to have have that in there. That's my recommendation with those estate planning. As long as they're up to date and valid, that's fine, and we'll just make sure we keep reviewing that with you moving forward. Okay? Absolutely. Yeah. Definitely. Definitely. Beautiful. Now if you do like a little bit of reading, attach the DocuSign. I've also got there the PDF documents for the recommendation, the hub 24 and care super. I've got our financial services guide, which has got a lovely picture of me and some information on me in there for you. I've also got the appendix, which has all the research that I completed around looking at what to recommend for you as well that you can run your eyes over. And you're welcome to let me know if you have any additional questions. I've gone through everything I needed to touch base on. The rest of the document does have a lot around the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well. So you're welcome to run your eyes over that, have a read through anything. And if you find us any questions, let me know. I am off next week just because I'm taking some time up with my son, but email me if there's anything or call us and let Michelle know. I do check my emails over the course of the week every so often, so I will get back to you as soon as I can, but I'm back on the thirteenth. Okay? Correct. Yep. Absolutely. You sign and return it back, and we'll be able to go in and make the investment switches for you and get all of that sorted nice and quickly. That way your portfolio has got some time to recover and start to build and work a bit harder for you. And if there's anything that you wanna change, on the back page, we have a text box. You're welcome to write in there with if there's any part of the advice you don't wish to proceed with. If it does require you to answer that box, just put NA if you're happy to proceed with all of the advice. Okay? Yep. Beautiful. No worries. No worries, Darren. If there's anything, you let me know. It doesn't matter what question is. I'm here to help you. So you if there's something on your mind, you email me and let me know or give me a buzz. I'll make time to stop and have a chat. And, yeah, once you sign that, we'll get that in place. And I've got a note here. We'll give you a call and organize a catch up in six months time if you don't need us beforehand. Okay? All good. Perfect. Thank you so much for your time this morning. I really appreciate it. No. Not a problem at all. You have a lovely day. I'll talk to you really soon. Thanks, Darren. Talk soon. See you later. 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Darren. It's Dana from OQ Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in just to run through your updated advice piece. Is now a good time there for you? Yep. Beautiful. Do you happen to have access to your emails there as well?\n\nIf you don't, that's okay. Don't worry. Yep. That's okay. If you're somewhere secure because we are discussing your personal information, it's absolutely fine.\n\nIf not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself. It's completely up to you. Yeah. You're right. Excellent.\n\nI'm I'm sending the email through to you now as well. That way, it's on its way to you. It's got the advice document attached there. Just while that is coming through, Darren, I do have to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nYep. Lovely. Excellent. And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file for you. Yep.\n\nYep. Beautiful. Thank you so much for that. That email popped through there yet. Yep.\n\nBeautiful. So when you open that one up there, you'll see it does have a little button that says sign. You do need to click on that to be able to move forward. However, it just lets you scroll up and down to the documents, so you don't actually have to sign it. You're welcome to take it back and have a read through it prior to taking on any of the recommendations.\n\nOkay? Yep. Yeah. That's okay. Not a problem at all.\n\nI'll run through the things that I need to. Feel free to let me know if you do happen to have any questions. I'll try to keep it nice and brief for you, and then you're able to go back and have a really good read of it. Okay? Perfect.\n\nNow, Darren, the advice has been provided for yourself as of the 03/30/2026 when we completed the document. Our documents do stay valid for sixty days. On the bottom there, it does note my authorized representative number. I'm registered through Aspik as a registered financial adviser, and my number is 1304394. This document was updating your circumstances by looking at areas of superannuation as you're hoping to be able to retire by the age of 67, hoping to draw an income of about 95,000 per year in retirement at the moment.\n\nWe also looked at the personal insurance aspect. You've got your life, your safety, income protection now. You want us to see if we could get something different for you. You were aiming to have between 350 to 400,000 of life and CBD cover and TBD if you are unable to work or passing away to protect your family. We've also looked at the estate planning side of things to make sure that your beneficiary nominations are in line with your goals, And we've also, on a limited basis, scoping the Social Security side of things and retirement planning.\n\nSo whilst we're not quite there yet, you've got a bit of time ahead of you still. We've scoped that into a limited base to show you the projected outcome based on the recommendations we're making currently. And this is fluid, so we'll keep updating the recommendations as we need to as your life changes as we are working towards the goal long term. Okay? Areas that we've not considered.\n\nSo we're not providing any cash flow or savings advice at the moment. However, down the track, if you need additional advice in these sorts of areas, you're welcome to let me know. Okay? Beautiful. Now as you are running through the document, you've got the about you and your assets and liabilities.\n\nThis has all been updated since our last conversation. Now when you do review that one, if you do find there are any updates that needs to be made to those, please let me know. I'm more than happy to do so. Okay. Excellent.\n\nNow with the recommendations, firstly, the super. So I am recommending that we do retain both your hub 20 four and your care super. I've got the appendix, and I'll show you in the appendix when you're looking at it essentially the outcome there. I had a look at the insurance side of things really deeply. So we did do that pre and we went back to the insurers and looked at the outcome there.\n\nUnfortunately, because of your health history, disability cover was gonna have three easy exclusions, which meant you weren't gonna be able to claim on any of the policies for any of your preexisting medical conditions, which basically meant you were gonna be it's gonna be very hard to claim on any disability policies even if they offered them. Generally, when an insurer has three exclusions on a disability cover, it's a straight decline. So if they were willing to offer cover with those exclusions, it would make it very, very hard to claim and very expensive to to have. Otherwise, a lot of them came back and said there would be a straight decline for you. So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper.\n\nYou currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment. So I would be very unsure about replacing a policy that you can hardly claim on for a policy that would have a lot more restrictions around claiming and be more expensive for doing so. Okay? Absolutely. It's good that we've gone back and we've had a really good look so we understand where things are at for you, and we have a bit of a starting point moving forward as well.\n\nSo it is about retaining both of those funds at the moment. We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa. So every year, we do the reviews with you. We're gonna go over and roll everything bar 15,000. I'm keeping 15,000 in CareSoupa Slaver because it's a minimum of 10,000 to make sure we're hitting the minimum threshold.\n\nWe're accounting for volatility in the market, but then also on top of that leaving enough reinsurance premiums there. So it's giving you a buffer in case of market downturns, which with the volatility we are seeing is a possibility there. So you'll keep both those funds, keep your contributions going into CareSuper there for me. We'll make sure a new TPA is applied to the policy. It does look the TPA has lapsed with them.\n\nSo I'll go back and add a new authority onto the policy. I'll look after both of those accounts for you. We do wanna retain 15,000 in CareSlooper. And then when we do reviews with you, everything over that 15,000 will be rolled into hub twenty four. We can do it on a yearly basis.\n\nWe can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover. So when we do the catch ups with you, we'll make sure we call carefully if we get a balance from them, and then we could decide whether we dollar cost average enroll money over on a regular basis or whether we do it once a year depending on your circumstances at the time. Does that make sense so far? Beautiful. I did also, as an alternative, consider transfer terms.\n\nSo canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four. Transfer terms is basically transferring the same level of cover. However, the risk factor is slightly different. And the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover. And hub twenty four do have on those transfer terms exclusion period where preexisting conditions can't be claimed for a certain period of time.\n\nSo, I determined with the increase in cost for the same level of cover and having an exclusion period on preexisting conditions, it was better for you to retain CareSuper and have twenty four as two separate funds, and we monitor everything for you the way it is. Okay? Yep. It is because I also looked at canceling that, and I don't know how CareSuper do this, but we did a quote with CareSuper to see if canceling the income protection was gonna make the policy cheaper for you, and it unfortunately increased the cost of it. So because they bundle a life TBD and income protection, I think you're getting a bit of a multi policy discount in with inside there.\n\nIt actually increased the policy quite significantly, and we've added all those quotes into the appendix so you can see them. But it actually worked out in your benefit whilst the income protection's just under the 70% there. It is giving you a little bit of an additional buffer in the event you had the claim, and it's actually keeping the policy slightly cheaper for you, which is gonna give you a greater benefit long term. So I'm gonna recommend you keep all three of those policies as they are, just until you don't need them anymore at a point where your super balance is good, you've got no debt, you're comfortable with not having any life saving your income protections, then we can look to consolidate and But that comes down to when it's comfortable for you to do so. If we get to 60 and then we decide you no longer need them anymore, that's absolutely okay.\n\nBut we'll just keep monitoring things with you long term. But it all came down to what you have, what you needed, but also what was cost effective. And, unfortunately, when we get into our fifties, things do become a lot more expensive. The risk of us claiming increases, so we are seen as very high risk, unfortunately. So I've I've got all those in the appendix.\n\nAll good. Absolutely. It is. It is. And that's why I put them in the appendix.\n\nSo when you are looking at that document, you can go through and have a look at the difference in quotes. I've got the different projection tables in there to show you the outcome and why we've gone the way we have with this one. Okay? Excellent. Now with your hub 24, I'm not changing any of the investments within your care, Sue, but everything there looks to be fine at the moment.\n\nWe would be rolling because you've got a bit over 21,000 in there at the moment, rolling about 6,453 from CareSoup in the hub 24. I am looking to change some of the investments. So we did note when we spoke last time, some of the investments have been underperforming there. So what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you. If you're looking at the document, if you wanna look at page number twenty five and twenty six, this shows you the changes I'll be making with the investments for you.\n\nPerfect. Yeah. That's that's okay. That's not a problem at all. Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech.\n\nIt has been very volatile. It is still a good investment to have. However, this newer portfolio is cheaper and has been working much better. So removing all of the battery and lithium tech, removing all of the agriculture in the investment portfolio, we're keeping some cybersecurity and just topping that up a little bit. We're still gonna keep exposure sorry.\n\nWe're getting bit of exposure into Asia and keeping exposure into Europe and topping that up a little bit for you. We are keeping the exposure into the S and P 500, the top 500 companies in The US, and just topping that up a little bit there as well. We'll be getting rid of the Global Healthcare, getting rid of the Vanguard diversified index, and getting rid of the Vanna Long Australian equities, which has been severely underperforming for you in your portfolio. And we're gonna increase exposure and add in exposure to Japan. We're gonna keep the diversification by making sure you've got global access and putting you into the Vanguard all world ex US.\n\nSo that's giving you access to well established countries, all countries except for The US, essentially, so giving you diversified worldwide exposure into all the different industries there. It's into a well established industries and companies and established markets as well as some up and coming as well. So we're giving you a little bit of exposure into what has already been established, but also up and coming areas and changes that we see. The Vanguard all wealth all world index tracks the all world basically, the entire market by The US. So it's about making sure you've got diversification, but also investments that have a good track record, and that have performed really well in the past.\n\nAnd this one has done really, really well. It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important. Okay? With removing the Vanguard Australian Equities, we're putting the money into the a 200, the Australian 200. So it's still giving you access to Australian equities.\n\nIt's tracking the top 200 companies on the ASX. And the good thing about this investment is it's cheaper than the the than a long Australian equities, but it's also making sure you always invest in the top 200 companies. One of the things with this newer portfolio is that it's not sort of more actively managed. It's more of a passively managed portfolio. It's these investments attracting a certain industry, which is great.\n\nThat tends to keep it a lot more cheaper for you. You're not paying for high end investment managers who are trying to outperform the market and taking more risk in the back end of the market. We're tracking indices, and we're sitting in investments that have seen a greater track record that have shown that they can perform and have withstood market volatility in the past, which is important as well. Okay? The a 200 gives you access to the top 200 companies on the ASF and tracks the top 200 companies there.\n\nSo one of the benefits of the a 200, and you get this benefit with the S and P as well, is that the industry the the investment committee for the industry, sorry, meet every quarter. So where a company no longer meets the criteria to be in the top 200 of Australian on the ASEC or the S and P 500, they are removed from that industry, in which case they're removed out of these investments as well. So you are always tracking the top con the top companies on the S and P and in the a 200 and not having to sit with underperforming investments. It's also cheaper and taking a lot more lower risk, which is really important for you as well. Okay?\n\nYes. Yep. Yeah. No. Yeah.\n\nAbsolutely. So we are moving you down into more that growth environment, which is taking a bit more low risk. And the expectation of what we're looking for, we're hoping for out of a growth portfolio between seven to 9% on a yearly basis. If you can get that, you know, moving forward, you'll be pretty well working on track for that portfolio, which is great. We know some years you're gonna get greater returns.\n\nWe've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic. And with the volatility we are seeing this year, I would expect we might see a little bit lower of returns. So something under seven percent, but that's because there's a lot of uncertainty and a lot of movement in the market at the moment. But what we wanna do is make these yeah. Sorry.\n\nYeah. Yeah. Absolutely. Absolutely. Yeah.\n\nYep. Absolutely. This it was very overvalued, and it still technically is because the pullback hasn't been that much. I had a look when I was looking at the all odds with the all odds, and it's essentially giving you a combination of the entire market. And when I looked at the other day, over the last few months, it was down by about 7% as a total.\n\nThat's not a huge increase. Sorry. That's not a massive pullback when you consider. Over the last sort of three to four years, we've actually seen a good 20 or 30% return of the market as a whole. So it's just a slight pullback.\n\nIt's not a depression or anything crazy. It's seen as a bit more of a correction. It is gonna come back, and these investments we're putting you in have been through COVID times. They've been through the DFC. They've seen very large market dips and then come back and recovered.\n\nSo and that's what's really important to me, making sure that you're in something passive that's lower in phase. The portfolio the investment fees, if you when you're looking at the table there on page number 29, it actually shows you by making these changes here, you're actually gonna save for the first year about $715 in investment fees. That's a pretty big saving on investment fees, making sure that more money is invested for you working harder. And the CGT, because they're no longer been underperforming, the CGT consequences for making these changes, it's about a $159. So not a bad CGT consequence.\n\nWe're retaining as much as we possibly can and making sure that you're in a low cost, well performing portfolio. We are reducing the risk of it. Also, we're moving you out of the high growth environment into the growth environment. You're reducing your risk in the market by about 10%, which is good. It is time to start sort of pulling back a little bit, especially in these volatile times.\n\nAnd the portfolio that we have looked at, we've looked at a five year rolling average to show what it has averaged over the past five years, but the the portfolio we're moving into has averaged about 12.6%. So it's not by any means saying that you're gonna get that every year. It's saying this is what it has averaged when we look at it over the past five years. So it has averaged a greater level of return, hoping to lower the risk level for you and reduce the overall fees as well. Okay?\n\nYep. That's pretty good. Absolutely. And we'll make sure that we're updating things with you and checking in to see how things are going. And you've got my email here as well.\n\nSo if you can send about anything, email me and let me know, and I'll talk you through it. Okay? AUC. Beautiful. Thank you.\n\nYeah. Yep. Beautiful. Beautiful. Excellent.\n\nI will also explain. We do have in there, as I mentioned, the limited scope around the retirement aspect. So I do do some modeling for to sort of see where this is taking you long term based on our current projections. I know you're aiming for an incoming retirement of about 95,000 per annum. This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen.\n\nSo it's not quite not quite meeting your goal there at the moment, but this is just the starting point. We can look down the track at additional contributions. When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly similar. We can also look at other portfolios down the track and sort of see what we're doing. So this is a starting point to kinda get you back on track now, and then we'll keep building on that as we get closer and closer.\n\nOkay? Yeah. Yep. It's lower. Absolutely.\n\nNo. No. Correct. Yep. Correct.\n\nYeah. Beautiful. Beautiful. Yeah. Yes.\n\nYep. Absolutely. No. Correct. Absolutely.\n\nAnd I'll make sure we're working harder with you. Moving forward with the catch ups, how often did you want us to do them? Do you wanna maybe check-in with me once every quarter or every six months? What's comfortable for you and your lifestyle at the moment? Six monthly?\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYep. I can jump in and let you know. Sorry. Two seconds. I'll jump in the hub real quick.\n\nThere we go. Beautiful. While I'm jumping in here, I will make I've made a note here. It's a six monthly, so I'll make it down. It's in our calendar.\n\nSorry. My admin team member, Michelle, she'll give you a call in a in a couple of months. We'll book in your first catch up, and we'll make sure that moving forward, these catch ups do occur for you so you are getting those updates. And as I said, you've got my email. If something's concerning you, email me.\n\nI do look at the markets on a regular basis. I invest in my speaker, but also in my own name as well. So I am looking at the markets at what's happening. And, you know, if there is a need of the concern, we'll definitely bring it up with you. Sorry.\n\nI have this taking a second to load, but here we go. Okay. Absolutely. Absolutely. We have had a little bit of a change in the business, so they set it up a bit more.\n\nSo instead of having any adviser give you a call, it will just be me. I've put you into my book, and so myself and Michelle will be the ones that make contact with you. You'll speak to her a lot as well as myself. You can call and book in extra times with you. You're not limited to just once every six months.\n\nIf you are concerned or you want an extra catch up, you let me know or, you know, we can, yeah, make a time to catch up with you. I work longer Monday to Thursday, so I work after hours as well. So you you know, we'll make sure that we're here for you and that you do get those catch ups moving forward because it is really important that you are getting the value out of our service, and I wanna make sure that things are working harder for you. Okay? Beautiful.\n\nSo having a look now, I'm in here. Your balance in hub as of now, we're sitting at a 182,830. So on here, we had it's dropped about just over $2 at the moment. Yeah. Yeah.\n\nSo slight dip in the market there. Been along sort of holding. Hasn't really come back in any way, shape, or form, but that's the one investment that over the course of everything is holding your portfolio back a little bit more. Because when I look at from inception, everything else has been performing really, really well. So once we remove Benelon out of there, get the a 200 in, make those changes to the portfolio, then let it sit for a little bit, let it do its thing through these market ups and downs, then we'll come back and review what it's doing for you.\n\nBut it is it is all Benelon kinda holding it back at the moment. Okay? It has been a difficult one. Yeah. Well, do everything I can to help you kind of make it all back.\n\nOkay? All good. The last part of the advice is just the the estate planning side of things. So you we just wanna make sure your beneficiaries are up to date. So we are gonna recommend that you do binding non lapsing beneficiaries, nominating your wife receives everything in the event of that passing with CareSoup, but we weren't able to see exactly what it had noted there, but we're gonna go back and double check.\n\nYeah? Beautiful. It's numb so you've got a nonbinding? I'm gonna update that. You're right?\n\nOkay. So nonbinding means that you've made the nomination, but the trustee if you pass away, the trustee has discretion to make that decision so they don't have to follow the direction. It doesn't bind them to to follow through. Is it bind with the one in care sweep, it does it say binding non lapsing or binding lapsing? If you're not sure.\n\nYeah. Perfect. Yep. Beautiful. Because I wanna make sure that they both definitely are.\n\nI still wanted to have this in the advice to sort of, like, this is where we're starting off with the with the estate planning side of things. We'll make sure that everything is in line because binding, non lapsing binds the trustee to follow that direction so long as your nomination is valid. And non lapsing means you don't have to keep filling out the document. These are annoying documents to fill out. So filling it out once, and then we review that with you continuously to make sure it remains in line with your needs.\n\nAnd when something changes, if you say, hey. That's not suitable anymore, then we'll look to change that with you. Okay? Yep. Yes.\n\nHub definitely is. Yes. Yep. Absolutely. If you can avoid that, absolutely.\n\nThey make these 90 nominations very difficult to fill out, and they shouldn't do, but they absolutely do make them hard. So if we can alleviate that pressure on you, we'll 100% help you out with it. But I wanted to have have that in there. That's my recommendation with those estate planning. As long as they're up to date and valid, that's fine, and we'll just make sure we keep reviewing that with you moving forward.\n\nOkay? Absolutely. Yeah. Definitely. Definitely.\n\nBeautiful. Now if you do like a little bit of reading, attach the DocuSign. I've also got there the PDF documents for the recommendation, the hub 24 and care super. I've got our financial services guide, which has got a lovely picture of me and some information on me in there for you. I've also got the appendix, which has all the research that I completed around looking at what to recommend for you as well that you can run your eyes over.\n\nAnd you're welcome to let me know if you have any additional questions. I've gone through everything I needed to touch base on. The rest of the document does have a lot around the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well. So you're welcome to run your eyes over that, have a read through anything. And if you find us any questions, let me know.\n\nI am off next week just because I'm taking some time up with my son, but email me if there's anything or call us and let Michelle know. I do check my emails over the course of the week every so often, so I will get back to you as soon as I can, but I'm back on the thirteenth. Okay? Correct. Yep.\n\nAbsolutely. You sign and return it back, and we'll be able to go in and make the investment switches for you and get all of that sorted nice and quickly. That way your portfolio has got some time to recover and start to build and work a bit harder for you. And if there's anything that you wanna change, on the back page, we have a text box. You're welcome to write in there with if there's any part of the advice you don't wish to proceed with.\n\nIf it does require you to answer that box, just put NA if you're happy to proceed with all of the advice. Okay? Yep. Beautiful. No worries.\n\nNo worries, Darren. If there's anything, you let me know. It doesn't matter what question is. I'm here to help you. So you if there's something on your mind, you email me and let me know or give me a buzz.\n\nI'll make time to stop and have a chat. And, yeah, once you sign that, we'll get that in place. And I've got a note here. We'll give you a call and organize a catch up in six months time if you don't need us beforehand. Okay?\n\nAll good. Perfect. Thank you so much for your time this morning. I really appreciate it. No.\n\nNot a problem at all. You have a lovely day. I'll talk to you really soon. Thanks, Darren. Talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.14337187260389328},{"text":"It's Dana from OQ Financial.","start":3.76,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.16817193627357482},{"text":"How are you this morning?","start":5.3599997,"end":6.42,"sentiment":"neutral","sentiment_score":0.20667448043823242},{"text":"I'm very well.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.6437649925549825},{"text":"Thank you.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.7363117337226868}],"sentiment":"neutral","sentiment_score":0.32734672199277315,"num_words":17,"start":3.04,"end":9.599999},{"sentences":[{"text":"I had you booked in just to run through your updated advice piece.","start":9.599999,"end":12.4,"sentiment":"positive","sentiment_score":0.392405615403102},{"text":"Is now a good time there for you?","start":12.4,"end":14.179999,"sentiment":"positive","sentiment_score":0.3503760062158108},{"text":"Yep.","start":15.255,"end":15.575,"sentiment":"neutral","sentiment_score":0.21450543403625488},{"text":"Beautiful.","start":15.575,"end":15.975,"sentiment":"positive","sentiment_score":0.4196246564388275},{"text":"Do you happen to have access to your emails there as well?","start":15.975,"end":18.475,"sentiment":"neutral","sentiment_score":0.11635061539709568}],"sentiment":"neutral","sentiment_score":0.28384624357734406,"num_words":35,"start":9.599999,"end":18.475},{"sentences":[{"text":"If you don't, that's okay.","start":19.895,"end":21.175,"sentiment":"neutral","sentiment_score":0.03853818029165268},{"text":"Don't worry.","start":21.175,"end":21.835,"sentiment":"neutral","sentiment_score":0.08513743430376053},{"text":"Yep.","start":25.654999,"end":26.154999,"sentiment":"neutral","sentiment_score":0.06536069512367249},{"text":"That's okay.","start":27.59,"end":28.23,"sentiment":"neutral","sentiment_score":0.18719249218702316},{"text":"If you're somewhere secure because we are discussing your personal information, it's absolutely fine.","start":28.23,"end":32.33,"sentiment":"neutral","sentiment_score":0.2671383651239531}],"sentiment":"neutral","sentiment_score":0.18927702338745198,"num_words":24,"start":19.895,"end":32.33},{"sentences":[{"text":"If not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself.","start":32.55,"end":38.949997,"sentiment":"neutral","sentiment_score":0.27815450548098003},{"text":"It's completely up to you.","start":38.949997,"end":40.41,"sentiment":"neutral","sentiment_score":0.21432413458824157},{"text":"Yeah.","start":44.985,"end":45.225,"sentiment":"neutral","sentiment_score":0.11948516219854356},{"text":"You're right.","start":45.225,"end":46.045,"sentiment":"neutral","sentiment_score":0.21284975856542587},{"text":"Excellent.","start":63.079998,"end":63.579998,"sentiment":"positive","sentiment_score":0.5427950620651245}],"sentiment":"neutral","sentiment_score":0.26910739666537237,"num_words":38,"start":32.55,"end":63.579998},{"sentences":[{"text":"I'm I'm sending the email through to you now as well.","start":63.8,"end":66.04,"sentiment":"positive","sentiment_score":0.36422921039841394},{"text":"That way, it's on its way to you.","start":66.04,"end":67.24,"sentiment":"positive","sentiment_score":0.3984728083014488},{"text":"It's got the advice document attached there.","start":67.24,"end":69.245,"sentiment":"neutral","sentiment_score":0.22192685518945968},{"text":"Just while that is coming through, Darren, I do have to let you know moving forward, we do record our calls for quality and training purposes.","start":69.885,"end":75.325,"sentiment":"neutral","sentiment_score":0.17238611126175293},{"text":"Are you happy for me to proceed with that?","start":75.325,"end":77.425,"sentiment":"neutral","sentiment_score":0.17046801414754656}],"sentiment":"neutral","sentiment_score":0.242033488315637,"num_words":61,"start":63.8,"end":77.425},{"sentences":[{"text":"Yep.","start":78.925,"end":79.245,"sentiment":"neutral","sentiment_score":0.16015587747097015},{"text":"Lovely.","start":79.245,"end":79.745,"sentiment":"positive","sentiment_score":0.44574210047721863},{"text":"Excellent.","start":80.159996,"end":80.4,"sentiment":"positive","sentiment_score":0.427809476852417},{"text":"And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file for you.","start":80.4,"end":86.02,"sentiment":"neutral","sentiment_score":0.19765926152467728},{"text":"Yep.","start":90.56,"end":91.06,"sentiment":"neutral","sentiment_score":0.04056275263428688}],"sentiment":"neutral","sentiment_score":0.206522797816433,"num_words":32,"start":78.925,"end":91.06},{"sentences":[{"text":"Yep.","start":92.415,"end":92.915,"sentiment":"neutral","sentiment_score":0.025550058111548424},{"text":"Beautiful.","start":95.295,"end":95.795,"sentiment":"positive","sentiment_score":0.4184088408946991},{"text":"Thank you so much for that.","start":95.935,"end":97.475,"sentiment":"positive","sentiment_score":0.5540671745936075},{"text":"That email popped through there yet.","start":104.095,"end":106.034996,"sentiment":"positive","sentiment_score":0.3737395852804184},{"text":"Yep.","start":108.340004,"end":108.74,"sentiment":"neutral","sentiment_score":0.18470820784568787}],"sentiment":"positive","sentiment_score":0.41303384440640606,"num_words":15,"start":92.415,"end":108.74},{"sentences":[{"text":"Beautiful.","start":108.74,"end":109.24,"sentiment":"neutral","sentiment_score":0.3192965090274811},{"text":"So when you open that one up there, you'll see it does have a little button that says sign.","start":109.380005,"end":114.18,"sentiment":"neutral","sentiment_score":0.14281219440071205},{"text":"You do need to click on that to be able to move forward.","start":114.18,"end":116.5,"sentiment":"neutral","sentiment_score":0.1550469192174765},{"text":"However, it just lets you scroll up and down to the documents, so you don't actually have to sign it.","start":116.5,"end":120.645,"sentiment":"neutral","sentiment_score":0.1508306846022606},{"text":"You're welcome to take it back and have a read through it prior to taking on any of the recommendations.","start":120.725,"end":124.265,"sentiment":"neutral","sentiment_score":0.22338092178106309}],"sentiment":"neutral","sentiment_score":0.17167904493335176,"num_words":73,"start":108.74,"end":124.265},{"sentences":[{"text":"Okay?","start":124.725,"end":125.225,"sentiment":"neutral","sentiment_score":0.10857633501291276},{"text":"Yep.","start":129.125,"end":129.625,"sentiment":"neutral","sentiment_score":0.05923398956656456},{"text":"Yeah.","start":130.485,"end":130.805,"sentiment":"neutral","sentiment_score":0.18228748440742493},{"text":"That's okay.","start":130.805,"end":131.44499,"sentiment":"positive","sentiment_score":0.33740703761577606},{"text":"Not a problem at all.","start":131.44499,"end":132.565,"sentiment":"positive","sentiment_score":0.48156251907348635}],"sentiment":"positive","sentiment_score":0.3432724479585886,"num_words":10,"start":124.725,"end":132.565},{"sentences":[{"text":"I'll run through the things that I need to.","start":132.565,"end":134.40999,"sentiment":"positive","sentiment_score":0.38571524288919234},{"text":"Feel free to let me know if you do happen to have any questions.","start":134.40999,"end":136.81,"sentiment":"positive","sentiment_score":0.4372995240347726},{"text":"I'll try to keep it nice and brief for you, and then you're able to go back and have a really good read of it.","start":136.81,"end":141.61,"sentiment":"positive","sentiment_score":0.6405378413200379},{"text":"Okay?","start":141.61,"end":142.11,"sentiment":"neutral","sentiment_score":0.23757535219192505},{"text":"Perfect.","start":144.25,"end":144.75,"sentiment":"positive","sentiment_score":0.7361488342285156}],"sentiment":"positive","sentiment_score":0.5316160148382187,"num_words":50,"start":132.565,"end":144.75},{"sentences":[{"text":"Now, Darren, the advice has been provided for yourself as of the 03/30/2026 when we completed the document.","start":144.81,"end":150.475,"sentiment":"neutral","sentiment_score":0.25176329496834016},{"text":"Our documents do stay valid for sixty days.","start":150.475,"end":152.895,"sentiment":"neutral","sentiment_score":0.2420131228864193},{"text":"On the bottom there, it does note my authorized representative number.","start":153.515,"end":156.395,"sentiment":"neutral","sentiment_score":0.10667936808683655},{"text":"I'm registered through Aspik as a registered financial adviser, and my number is 1304394.","start":156.395,"end":161.935,"sentiment":"neutral","sentiment_score":0.10312428218977791},{"text":"This document was updating your circumstances by looking at areas of superannuation as you're hoping to be able to retire by the age of 67, hoping to draw an income of about 95,000 per year in retirement at the moment.","start":162.5,"end":174.28,"sentiment":"neutral","sentiment_score":0.12352964468300343}],"sentiment":"neutral","sentiment_score":0.15413453933465612,"num_words":91,"start":144.81,"end":174.28},{"sentences":[{"text":"We also looked at the personal insurance aspect.","start":174.755,"end":176.995,"sentiment":"neutral","sentiment_score":0.01231460738927126},{"text":"You've got your life, your safety, income protection now.","start":176.995,"end":179.555,"sentiment":"neutral","sentiment_score":0.010726794600486755},{"text":"You want us to see if we could get something different for you.","start":179.555,"end":182.275,"sentiment":"neutral","sentiment_score":0.038142711497270144},{"text":"You were aiming to have between 350 to 400,000 of life and CBD cover and TBD if you are unable to work or passing away to protect your family.","start":182.275,"end":192.56,"sentiment":"neutral","sentiment_score":0.027546327432681775},{"text":"We've also looked at the estate planning side of things to make sure that your beneficiary nominations are in line with your goals, And we've also, on a limited basis, scoping the Social Security side of things and retirement planning.","start":193.81999,"end":205.625,"sentiment":"neutral","sentiment_score":0.1416001573204994}],"sentiment":"neutral","sentiment_score":0.07226023281162436,"num_words":99,"start":174.755,"end":205.625},{"sentences":[{"text":"So whilst we're not quite there yet, you've got a bit of time ahead of you still.","start":205.625,"end":208.92499,"sentiment":"neutral","sentiment_score":0.010172940571518505},{"text":"We've scoped that into a limited base to show you the projected outcome based on the recommendations we're making currently.","start":209.14499,"end":215.56499,"sentiment":"neutral","sentiment_score":0.180767535045743},{"text":"And this is fluid, so we'll keep updating the recommendations as we need to as your life changes as we are working towards the goal long term.","start":215.82,"end":223.20001,"sentiment":"neutral","sentiment_score":0.25406010338553675},{"text":"Okay?","start":223.26001,"end":223.76001,"sentiment":"neutral","sentiment_score":0.04077544808387756},{"text":"Areas that we've not considered.","start":226.14001,"end":227.42001,"sentiment":"neutral","sentiment_score":-0.319934618473053}],"sentiment":"neutral","sentiment_score":0.12984308339655398,"num_words":70,"start":205.625,"end":227.42001},{"sentences":[{"text":"So we're not providing any cash flow or savings advice at the moment.","start":227.42001,"end":230.44499,"sentiment":"negative","sentiment_score":-0.470927643088194},{"text":"However, down the track, if you need additional advice in these sorts of areas, you're welcome to let me know.","start":230.44499,"end":235.08499,"sentiment":"neutral","sentiment_score":0.06212907326407731},{"text":"Okay?","start":235.08499,"end":235.58499,"sentiment":"neutral","sentiment_score":0.14851148426532745},{"text":"Beautiful.","start":237.08499,"end":237.58499,"sentiment":"positive","sentiment_score":0.5907528400421143},{"text":"Now as you are running through the document, you've got the about you and your assets and liabilities.","start":238.205,"end":242.44499,"sentiment":"neutral","sentiment_score":0.17184638645913866}],"sentiment":"neutral","sentiment_score":-0.01975431347722715,"num_words":53,"start":227.42001,"end":242.44499},{"sentences":[{"text":"This has all been updated since our last conversation.","start":242.44499,"end":244.73999,"sentiment":"neutral","sentiment_score":0.16571601894166735},{"text":"Now when you do review that one, if you do find there are any updates that needs to be made to those, please let me know.","start":244.73999,"end":250.01999,"sentiment":"neutral","sentiment_score":0.12041109685714428},{"text":"I'm more than happy to do so.","start":250.01999,"end":251.54,"sentiment":"positive","sentiment_score":0.7283199770109994},{"text":"Okay.","start":251.54,"end":252.04,"sentiment":"neutral","sentiment_score":0.15889981389045715},{"text":"Excellent.","start":253.45999,"end":253.95999,"sentiment":"positive","sentiment_score":0.6311852335929871}],"sentiment":"neutral","sentiment_score":0.2388740358027545,"num_words":44,"start":242.44499,"end":253.95999},{"sentences":[{"text":"Now with the recommendations, firstly, the super.","start":254.01999,"end":257.055,"sentiment":"neutral","sentiment_score":0.2708681161914553},{"text":"So I am recommending that we do retain both your hub 20 four and your care super.","start":257.055,"end":261.235,"sentiment":"neutral","sentiment_score":0.1811669894001063},{"text":"I've got the appendix, and I'll show you in the appendix when you're looking at it essentially the outcome there.","start":261.455,"end":266.435,"sentiment":"neutral","sentiment_score":0.14464508965611458},{"text":"I had a look at the insurance side of things really deeply.","start":266.57498,"end":269.455,"sentiment":"neutral","sentiment_score":-0.0337331898820897},{"text":"So we did do that pre and we went back to the insurers and looked at the outcome there.","start":269.455,"end":275.12,"sentiment":"neutral","sentiment_score":-0.0122806156348241}],"sentiment":"neutral","sentiment_score":0.09640916600823403,"num_words":75,"start":254.01999,"end":275.12},{"sentences":[{"text":"Unfortunately, because of your health history, disability cover was gonna have three easy exclusions, which meant you weren't gonna be able to claim on any of the policies for any of your preexisting medical conditions, which basically meant you were gonna be it's gonna be very hard to claim on any disability policies even if they offered them.","start":275.82,"end":294.755,"sentiment":"negative","sentiment_score":-0.35837290204804517},{"text":"Generally, when an insurer has three exclusions on a disability cover, it's a straight decline.","start":295.135,"end":300.36,"sentiment":"neutral","sentiment_score":-0.23571247855822244},{"text":"So if they were willing to offer cover with those exclusions, it would make it very, very hard to claim and very expensive to to have.","start":300.5,"end":307.71997,"sentiment":"neutral","sentiment_score":-0.29626435385300565},{"text":"Otherwise, a lot of them came back and said there would be a straight decline for you.","start":308.5,"end":312.585,"sentiment":"neutral","sentiment_score":-0.24092081715078914},{"text":"So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper.","start":312.585,"end":318.845,"sentiment":"neutral","sentiment_score":-0.06820667009143268}],"sentiment":"neutral","sentiment_score":-0.2802959096274878,"num_words":133,"start":275.82,"end":318.845},{"sentences":[{"text":"You currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment.","start":319.305,"end":327.98,"sentiment":"neutral","sentiment_score":-0.12474460407559361},{"text":"So I would be very unsure about replacing a policy that you can hardly claim on for a policy that would have a lot more restrictions around claiming and be more expensive for doing so.","start":327.98,"end":338.06,"sentiment":"negative","sentiment_score":-0.38206237895148143},{"text":"Okay?","start":338.06,"end":338.56,"sentiment":"neutral","sentiment_score":-0.12895140051841736},{"text":"Absolutely.","start":341.85498,"end":342.35498,"sentiment":"neutral","sentiment_score":0.010768870823085308},{"text":"It's good that we've gone back and we've had a really good look so we understand where things are at for you, and we have a bit of a starting point moving forward as well.","start":342.655,"end":349.615,"sentiment":"positive","sentiment_score":0.6643916692052568}],"sentiment":"neutral","sentiment_score":0.06270493715070188,"num_words":100,"start":319.305,"end":349.615},{"sentences":[{"text":"So it is about retaining both of those funds at the moment.","start":349.615,"end":353.13498,"sentiment":"neutral","sentiment_score":0.170001699278752},{"text":"We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa.","start":353.13498,"end":358.36002,"sentiment":"neutral","sentiment_score":0.19731989316642284},{"text":"So every year, we do the reviews with you.","start":358.5,"end":360.58002,"sentiment":"neutral","sentiment_score":0.12125430173344082},{"text":"We're gonna go over and roll everything bar 15,000.","start":360.58002,"end":364.28,"sentiment":"neutral","sentiment_score":0.10926230831278695},{"text":"I'm keeping 15,000 in CareSoupa Slaver because it's a minimum of 10,000 to make sure we're hitting the minimum threshold.","start":364.34003,"end":370.375,"sentiment":"neutral","sentiment_score":0.1318234156817198}],"sentiment":"neutral","sentiment_score":0.15012509827360962,"num_words":66,"start":349.615,"end":370.375},{"sentences":[{"text":"We're accounting for volatility in the market, but then also on top of that leaving enough reinsurance premiums there.","start":370.595,"end":376.995,"sentiment":"neutral","sentiment_score":0.09517469786499676},{"text":"So it's giving you a buffer in case of market downturns, which with the volatility we are seeing is a possibility there.","start":376.995,"end":383.94,"sentiment":"neutral","sentiment_score":0.12788307971575044},{"text":"So you'll keep both those funds, keep your contributions going into CareSuper there for me.","start":383.94,"end":389.7,"sentiment":"neutral","sentiment_score":0.22627526024977365},{"text":"We'll make sure a new TPA is applied to the policy.","start":389.7,"end":392.1,"sentiment":"neutral","sentiment_score":0.13214384493502704},{"text":"It does look the TPA has lapsed with them.","start":392.1,"end":394.595,"sentiment":"neutral","sentiment_score":0.04906679089698526}],"sentiment":"neutral","sentiment_score":0.13040867538534498,"num_words":76,"start":370.595,"end":394.595},{"sentences":[{"text":"So I'll go back and add a new authority onto the policy.","start":394.595,"end":397.555,"sentiment":"neutral","sentiment_score":0.09108613803982735},{"text":"I'll look after both of those accounts for you.","start":397.555,"end":399.475,"sentiment":"neutral","sentiment_score":0.12329828821950489},{"text":"We do wanna retain 15,000 in CareSlooper.","start":399.475,"end":401.975,"sentiment":"neutral","sentiment_score":0.15937540254422597},{"text":"And then when we do reviews with you, everything over that 15,000 will be rolled into hub twenty four.","start":402.115,"end":408.535,"sentiment":"neutral","sentiment_score":0.11241978014770307},{"text":"We can do it on a yearly basis.","start":408.7,"end":410.30002,"sentiment":"neutral","sentiment_score":0.12611330766230822}],"sentiment":"neutral","sentiment_score":0.11751324277032506,"num_words":55,"start":394.595,"end":410.30002},{"sentences":[{"text":"We can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover.","start":410.30002,"end":415.74002,"sentiment":"neutral","sentiment_score":0.08410906217371424},{"text":"So when we do the catch ups with you, we'll make sure we call carefully if we get a balance from them, and then we could decide whether we dollar cost average enroll money over on a regular basis or whether we do it once a year depending on your circumstances at the time.","start":415.74002,"end":428.475,"sentiment":"neutral","sentiment_score":0.08618794905918616},{"text":"Does that make sense so far?","start":428.475,"end":430.01498,"sentiment":"neutral","sentiment_score":0.0710297046850125},{"text":"Beautiful.","start":432.235,"end":432.735,"sentiment":"positive","sentiment_score":0.5275800228118896},{"text":"I did also, as an alternative, consider transfer terms.","start":433.22998,"end":436.59,"sentiment":"neutral","sentiment_score":0.09145596913165516}],"sentiment":"neutral","sentiment_score":0.08988966717523464,"num_words":94,"start":410.30002,"end":436.59},{"sentences":[{"text":"So canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four.","start":436.59,"end":442.69,"sentiment":"neutral","sentiment_score":0.03745774073260171},{"text":"Transfer terms is basically transferring the same level of cover.","start":442.75,"end":445.94998,"sentiment":"neutral","sentiment_score":0.016848527267575263},{"text":"However, the risk factor is slightly different.","start":445.94998,"end":448.28998,"sentiment":"neutral","sentiment_score":-0.09512955376080104},{"text":"And the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover.","start":448.63498,"end":457.935,"sentiment":"neutral","sentiment_score":-0.28966273805674386},{"text":"And hub twenty four do have on those transfer terms exclusion period where preexisting conditions can't be claimed for a certain period of time.","start":458.395,"end":465.69,"sentiment":"neutral","sentiment_score":-0.08283590308080117}],"sentiment":"neutral","sentiment_score":-0.12028545641805977,"num_words":96,"start":436.59,"end":465.69},{"sentences":[{"text":"So, I determined with the increase in cost for the same level of cover and having an exclusion period on preexisting conditions, it was better for you to retain CareSuper and have twenty four as two separate funds, and we monitor everything for you the way it is.","start":465.69,"end":482.175,"sentiment":"neutral","sentiment_score":-0.001972992205992341},{"text":"Okay?","start":482.23502,"end":482.73502,"sentiment":"neutral","sentiment_score":0.04691287875175476},{"text":"Yep.","start":484.555,"end":485.055,"sentiment":"neutral","sentiment_score":0.14286836981773376},{"text":"It is because I also looked at canceling that, and I don't know how CareSuper do this, but we did a quote with CareSuper to see if canceling the income protection was gonna make the policy cheaper for you, and it unfortunately increased the cost of it.","start":488.33,"end":501.385,"sentiment":"neutral","sentiment_score":-0.25589684904255766},{"text":"So because they bundle a life TBD and income protection, I think you're getting a bit of a multi policy discount in with inside there.","start":501.385,"end":508.765,"sentiment":"neutral","sentiment_score":0.04243948891758919}],"sentiment":"neutral","sentiment_score":-0.08910727097851331,"num_words":122,"start":465.69,"end":508.765},{"sentences":[{"text":"It actually increased the policy quite significantly, and we've added all those quotes into the appendix so you can see them.","start":508.98502,"end":514.585,"sentiment":"neutral","sentiment_score":0.33144440821238924},{"text":"But it actually worked out in your benefit whilst the income protection's just under the 70% there.","start":514.585,"end":520.29004,"sentiment":"positive","sentiment_score":0.4699382694328533},{"text":"It is giving you a little bit of an additional buffer in the event you had the claim, and it's actually keeping the policy slightly cheaper for you, which is gonna give you a greater benefit long term.","start":520.29004,"end":529.885,"sentiment":"positive","sentiment_score":0.5482621828192159},{"text":"So I'm gonna recommend you keep all three of those policies as they are, just until you don't need them anymore at a point where your super balance is good, you've got no debt, you're comfortable with not having any life saving your income protections, then we can look to consolidate and But that comes down to when it's comfortable for you to do so.","start":529.885,"end":548.58,"sentiment":"neutral","sentiment_score":0.2300207709463743},{"text":"If we get to 60 and then we decide you no longer need them anymore, that's absolutely okay.","start":548.58,"end":553.38,"sentiment":"neutral","sentiment_score":0.13544599670502874}],"sentiment":"positive","sentiment_score":0.3344190198248662,"num_words":159,"start":508.98502,"end":553.38},{"sentences":[{"text":"But we'll just keep monitoring things with you long term.","start":553.38,"end":556.1,"sentiment":"neutral","sentiment_score":0.2687326446175575},{"text":"But it all came down to what you have, what you needed, but also what was cost effective.","start":556.1,"end":560.195,"sentiment":"neutral","sentiment_score":0.12576673842138714},{"text":"And, unfortunately, when we get into our fifties, things do become a lot more expensive.","start":560.195,"end":564.435,"sentiment":"negative","sentiment_score":-0.4950780967871348},{"text":"The risk of us claiming increases, so we are seen as very high risk, unfortunately.","start":564.435,"end":569.015,"sentiment":"negative","sentiment_score":-0.3660270949204763},{"text":"So I've I've got all those in the appendix.","start":569.315,"end":571.36005,"sentiment":"neutral","sentiment_score":-0.047520197100109525}],"sentiment":"neutral","sentiment_score":-0.12527062554857624,"num_words":67,"start":553.38,"end":571.36005},{"sentences":[{"text":"All good.","start":571.36005,"end":571.94,"sentiment":"positive","sentiment_score":0.3719639182090759},{"text":"Absolutely.","start":577.84,"end":578.34,"sentiment":"positive","sentiment_score":0.358004629611969},{"text":"It is.","start":578.48004,"end":578.88,"sentiment":"positive","sentiment_score":0.33949290215969086},{"text":"It is.","start":578.88,"end":579.12,"sentiment":"neutral","sentiment_score":0.28803741931915283},{"text":"And that's why I put them in the appendix.","start":579.12,"end":580.64,"sentiment":"neutral","sentiment_score":0.11655076179239485}],"sentiment":"neutral","sentiment_score":0.21287187281996012,"num_words":16,"start":571.36005,"end":580.64},{"sentences":[{"text":"So when you are looking at that document, you can go through and have a look at the difference in quotes.","start":580.64,"end":584.48004,"sentiment":"neutral","sentiment_score":0.09172529407909938},{"text":"I've got the different projection tables in there to show you the outcome and why we've gone the way we have with this one.","start":584.48004,"end":589.565,"sentiment":"neutral","sentiment_score":0.06909430085215718},{"text":"Okay?","start":589.565,"end":590.065,"sentiment":"neutral","sentiment_score":0.024406269192695618},{"text":"Excellent.","start":591.725,"end":592.225,"sentiment":"positive","sentiment_score":0.48859381675720215},{"text":"Now with your hub 24, I'm not changing any of the investments within your care, Sue, but everything there looks to be fine at the moment.","start":592.685,"end":598.68,"sentiment":"neutral","sentiment_score":0.06683200325530309}],"sentiment":"neutral","sentiment_score":0.07993324063973475,"num_words":73,"start":580.64,"end":598.68},{"sentences":[{"text":"We would be rolling because you've got a bit over 21,000 in there at the moment, rolling about 6,453 from CareSoup in the hub 24.","start":598.98,"end":607.39996,"sentiment":"neutral","sentiment_score":0.06431532368063926},{"text":"I am looking to change some of the investments.","start":607.86,"end":610.36,"sentiment":"neutral","sentiment_score":0.007845967180199094},{"text":"So we did note when we spoke last time, some of the investments have been underperforming there.","start":610.395,"end":614.79504,"sentiment":"neutral","sentiment_score":-0.08754377527272},{"text":"So what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you.","start":614.79504,"end":623.775,"sentiment":"neutral","sentiment_score":0.1079296310033117},{"text":"If you're looking at the document, if you wanna look at page number twenty five and twenty six, this shows you the changes I'll be making with the investments for you.","start":623.93,"end":631.63,"sentiment":"neutral","sentiment_score":0.061745517917217746}],"sentiment":"neutral","sentiment_score":0.050272656047446095,"num_words":117,"start":598.98,"end":631.63},{"sentences":[{"text":"Perfect.","start":633.85,"end":634.35,"sentiment":"neutral","sentiment_score":0.121257022023201},{"text":"Yeah.","start":636.90497,"end":637.40497,"sentiment":"neutral","sentiment_score":0.01587088778614998},{"text":"That's that's okay.","start":637.545,"end":639.305,"sentiment":"neutral","sentiment_score":0.10299019639690717},{"text":"That's not a problem at all.","start":639.305,"end":640.90497,"sentiment":"neutral","sentiment_score":0.21080384900172552},{"text":"Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech.","start":640.90497,"end":644.345,"sentiment":"neutral","sentiment_score":0.06391464940765325}],"sentiment":"neutral","sentiment_score":0.09990966546216182,"num_words":28,"start":633.85,"end":644.345},{"sentences":[{"text":"It has been very volatile.","start":644.345,"end":645.545,"sentiment":"neutral","sentiment_score":-0.01845497190952301},{"text":"It is still a good investment to have.","start":645.545,"end":647.225,"sentiment":"positive","sentiment_score":0.4147324003279209},{"text":"However, this newer portfolio is cheaper and has been working much better.","start":647.225,"end":651.065,"sentiment":"neutral","sentiment_score":0.31219674879685044},{"text":"So removing all of the battery and lithium tech, removing all of the agriculture in the investment portfolio, we're keeping some cybersecurity and just topping that up a little bit.","start":651.065,"end":660.27,"sentiment":"neutral","sentiment_score":-0.008984128292649985},{"text":"We're still gonna keep exposure sorry.","start":660.33,"end":662.41003,"sentiment":"neutral","sentiment_score":-0.09212535495559375}],"sentiment":"neutral","sentiment_score":0.10081425164139173,"num_words":61,"start":644.345,"end":662.41003},{"sentences":[{"text":"We're getting bit of exposure into Asia and keeping exposure into Europe and topping that up a little bit for you.","start":662.41003,"end":667.735,"sentiment":"neutral","sentiment_score":-0.054209367150352114},{"text":"We are keeping the exposure into the S and P 500, the top 500 companies in The US, and just topping that up a little bit there as well.","start":667.955,"end":675.155,"sentiment":"neutral","sentiment_score":0.009648543043897069},{"text":"We'll be getting rid of the Global Healthcare, getting rid of the Vanguard diversified index, and getting rid of the Vanna Long Australian equities, which has been severely underperforming for you in your portfolio.","start":675.155,"end":685.14996,"sentiment":"neutral","sentiment_score":-0.15264167127144687},{"text":"And we're gonna increase exposure and add in exposure to Japan.","start":685.69,"end":690.35,"sentiment":"neutral","sentiment_score":-0.04266153750094501},{"text":"We're gonna keep the diversification by making sure you've got global access and putting you into the Vanguard all world ex US.","start":690.81,"end":697.065,"sentiment":"neutral","sentiment_score":0.157343213531104}],"sentiment":"neutral","sentiment_score":-0.02612078632427077,"num_words":117,"start":662.41003,"end":697.065},{"sentences":[{"text":"So that's giving you access to well established countries, all countries except for The US, essentially, so giving you diversified worldwide exposure into all the different industries there.","start":697.065,"end":706.925,"sentiment":"neutral","sentiment_score":0.15681821719876357},{"text":"It's into a well established industries and companies and established markets as well as some up and coming as well.","start":707.27997,"end":714.63995,"sentiment":"neutral","sentiment_score":0.17625227943062782},{"text":"So we're giving you a little bit of exposure into what has already been established, but also up and coming areas and changes that we see.","start":714.63995,"end":721.755,"sentiment":"neutral","sentiment_score":0.11592041070644672},{"text":"The Vanguard all wealth all world index tracks the all world basically, the entire market by The US.","start":721.835,"end":727.59503,"sentiment":"neutral","sentiment_score":0.19922387765513527},{"text":"So it's about making sure you've got diversification, but also investments that have a good track record, and that have performed really well in the past.","start":727.59503,"end":735.275,"sentiment":"positive","sentiment_score":0.40485182576454604}],"sentiment":"neutral","sentiment_score":0.21222087810352697,"num_words":118,"start":697.065,"end":735.275},{"sentences":[{"text":"And this one has done really, really well.","start":735.275,"end":737.375,"sentiment":"positive","sentiment_score":0.7724385038018227},{"text":"It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important.","start":737.48004,"end":743.5,"sentiment":"positive","sentiment_score":0.5719848315824162},{"text":"Okay?","start":743.72003,"end":744.22003,"sentiment":"neutral","sentiment_score":0.12738266587257385},{"text":"With removing the Vanguard Australian Equities, we're putting the money into the a 200, the Australian 200.","start":745.72003,"end":751.08,"sentiment":"neutral","sentiment_score":0.12354828767916735},{"text":"So it's still giving you access to Australian equities.","start":751.08,"end":753.60504,"sentiment":"neutral","sentiment_score":0.273628584212727}],"sentiment":"positive","sentiment_score":0.4114655287642228,"num_words":57,"start":735.275,"end":753.60504},{"sentences":[{"text":"It's tracking the top 200 companies on the ASX.","start":753.60504,"end":756.34503,"sentiment":"neutral","sentiment_score":0.2836748974190818},{"text":"And the good thing about this investment is it's cheaper than the the than a long Australian equities, but it's also making sure you always invest in the top 200 companies.","start":756.565,"end":765.065,"sentiment":"positive","sentiment_score":0.4649089585629202},{"text":"One of the things with this newer portfolio is that it's not sort of more actively managed.","start":765.95,"end":769.79004,"sentiment":"neutral","sentiment_score":-0.0876637495615903},{"text":"It's more of a passively managed portfolio.","start":769.79004,"end":771.55,"sentiment":"neutral","sentiment_score":0.016584313341549466},{"text":"It's these investments attracting a certain industry, which is great.","start":771.55,"end":775.09,"sentiment":"positive","sentiment_score":0.5367791712284088}],"sentiment":"neutral","sentiment_score":0.2832277020993265,"num_words":74,"start":753.60504,"end":775.09},{"sentences":[{"text":"That tends to keep it a lot more cheaper for you.","start":775.23004,"end":777.39,"sentiment":"positive","sentiment_score":0.6276133087548342},{"text":"You're not paying for high end investment managers who are trying to outperform the market and taking more risk in the back end of the market.","start":777.39,"end":784.33496,"sentiment":"neutral","sentiment_score":0.18201378217110267},{"text":"We're tracking indices, and we're sitting in investments that have seen a greater track record that have shown that they can perform and have withstood market volatility in the past, which is important as well.","start":784.33496,"end":794.65497,"sentiment":"neutral","sentiment_score":0.3187646550791604},{"text":"Okay?","start":794.65497,"end":795.15497,"sentiment":"neutral","sentiment_score":0.07058808207511902},{"text":"The a 200 gives you access to the top 200 companies on the ASF and tracks the top 200 companies there.","start":796.71,"end":802.79004,"sentiment":"neutral","sentiment_score":0.18072307322706496}],"sentiment":"neutral","sentiment_score":0.2836025561741058,"num_words":94,"start":775.23004,"end":802.79004},{"sentences":[{"text":"So one of the benefits of the a 200, and you get this benefit with the S and P as well, is that the industry the the investment committee for the industry, sorry, meet every quarter.","start":802.79004,"end":813.275,"sentiment":"neutral","sentiment_score":0.22418767482870156},{"text":"So where a company no longer meets the criteria to be in the top 200 of Australian on the ASEC or the S and P 500, they are removed from that industry, in which case they're removed out of these investments as well.","start":813.335,"end":826.46,"sentiment":"neutral","sentiment_score":0.07682585603622503},{"text":"So you are always tracking the top con the top companies on the S and P and in the a 200 and not having to sit with underperforming investments.","start":826.46,"end":834.96,"sentiment":"neutral","sentiment_score":0.3181410164668642},{"text":"It's also cheaper and taking a lot more lower risk, which is really important for you as well.","start":835.34,"end":840.08,"sentiment":"positive","sentiment_score":0.43100667496522266},{"text":"Okay?","start":840.105,"end":840.605,"sentiment":"neutral","sentiment_score":0.05877332016825676}],"sentiment":"neutral","sentiment_score":0.22375788228718316,"num_words":127,"start":802.79004,"end":840.605},{"sentences":[{"text":"Yes.","start":843.065,"end":843.565,"sentiment":"neutral","sentiment_score":0.03349028527736664},{"text":"Yep.","start":846.02496,"end":846.52496,"sentiment":"neutral","sentiment_score":0.009966704063117504},{"text":"Yeah.","start":851.14496,"end":851.64496,"sentiment":"neutral","sentiment_score":-0.04214133322238922},{"text":"No.","start":862.32,"end":862.64,"sentiment":"neutral","sentiment_score":-0.04788647964596749},{"text":"Yeah.","start":862.64,"end":863.14,"sentiment":"neutral","sentiment_score":-0.011013961397111416}],"sentiment":"neutral","sentiment_score":-0.011516956984996798,"num_words":5,"start":843.065,"end":863.14},{"sentences":[{"text":"Absolutely.","start":863.68,"end":864.18,"sentiment":"neutral","sentiment_score":0.053606875240802765},{"text":"So we are moving you down into more that growth environment, which is taking a bit more low risk.","start":865.055,"end":869.45496,"sentiment":"neutral","sentiment_score":0.14644433989336617},{"text":"And the expectation of what we're looking for, we're hoping for out of a growth portfolio between seven to 9% on a yearly basis.","start":869.45496,"end":876.815,"sentiment":"neutral","sentiment_score":0.2564019573231538},{"text":"If you can get that, you know, moving forward, you'll be pretty well working on track for that portfolio, which is great.","start":876.815,"end":883.29004,"sentiment":"positive","sentiment_score":0.4477578110315583},{"text":"We know some years you're gonna get greater returns.","start":883.35004,"end":885.59,"sentiment":"neutral","sentiment_score":0.252174499962065}],"sentiment":"neutral","sentiment_score":0.2814658486843109,"num_words":75,"start":863.68,"end":885.59},{"sentences":[{"text":"We've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic.","start":885.59,"end":890.33,"sentiment":"positive","sentiment_score":0.6031720899045467},{"text":"And with the volatility we are seeing this year, I would expect we might see a little bit lower of returns.","start":890.79004,"end":895.885,"sentiment":"neutral","sentiment_score":-0.22581896966411955},{"text":"So something under seven percent, but that's because there's a lot of uncertainty and a lot of movement in the market at the moment.","start":895.885,"end":902.305,"sentiment":"neutral","sentiment_score":-0.19287437107414007},{"text":"But what we wanna do is make these yeah.","start":902.525,"end":904.84503,"sentiment":"neutral","sentiment_score":-0.01712910768886407},{"text":"Sorry.","start":904.84503,"end":905.34503,"sentiment":"neutral","sentiment_score":-0.08764186501502991}],"sentiment":"neutral","sentiment_score":0.0005319202187615381,"num_words":71,"start":885.59,"end":905.34503},{"sentences":[{"text":"Yeah.","start":911.72,"end":912.22,"sentiment":"neutral","sentiment_score":0.009438215754926205},{"text":"Yeah.","start":912.83997,"end":913.33997,"sentiment":"neutral","sentiment_score":0.008007627911865711},{"text":"Absolutely.","start":916.6,"end":917.1,"sentiment":"positive","sentiment_score":0.34919488430023193},{"text":"Absolutely.","start":918.52,"end":919.02,"sentiment":"positive","sentiment_score":0.33524149656295776},{"text":"Yeah.","start":919.8,"end":920.3,"sentiment":"neutral","sentiment_score":0.1533842533826828}],"sentiment":"neutral","sentiment_score":0.17105329558253288,"num_words":5,"start":911.72,"end":920.3},{"sentences":[{"text":"Yep.","start":922.41504,"end":922.91504,"sentiment":"neutral","sentiment_score":0.0800676941871643},{"text":"Absolutely.","start":925.775,"end":926.275,"sentiment":"neutral","sentiment_score":0.12315469235181808},{"text":"This it was very overvalued, and it still technically is because the pullback hasn't been that much.","start":926.495,"end":931.85504,"sentiment":"neutral","sentiment_score":-0.30983435055788827},{"text":"I had a look when I was looking at the all odds with the all odds, and it's essentially giving you a combination of the entire market.","start":931.85504,"end":938.1424,"sentiment":"neutral","sentiment_score":-0.020918045192956924},{"text":"And when I looked at the other day, over the last few months, it was down by about 7% as a total.","start":938.1424,"end":944.2794,"sentiment":"neutral","sentiment_score":-0.09833568114448678}],"sentiment":"neutral","sentiment_score":-0.11459020262255389,"num_words":68,"start":922.41504,"end":944.2794},{"sentences":[{"text":"That's not a huge increase.","start":944.2794,"end":945.6136,"sentiment":"neutral","sentiment_score":-0.19580178260803222},{"text":"Sorry.","start":945.6136,"end":945.8804,"sentiment":"neutral","sentiment_score":-0.11137259751558304},{"text":"That's not a massive pullback when you consider.","start":945.8804,"end":948.015,"sentiment":"neutral","sentiment_score":-0.16038288921117783},{"text":"Over the last sort of three to four years, we've actually seen a good 20 or 30% return of the market as a whole.","start":948.09503,"end":953.775,"sentiment":"neutral","sentiment_score":0.0763525787430505},{"text":"So it's just a slight pullback.","start":953.775,"end":955.615,"sentiment":"neutral","sentiment_score":-0.08661835764845212}],"sentiment":"neutral","sentiment_score":-0.024106656370515175,"num_words":44,"start":944.2794,"end":955.615},{"sentences":[{"text":"It's not a depression or anything crazy.","start":955.615,"end":957.375,"sentiment":"neutral","sentiment_score":-0.23472800850868225},{"text":"It's seen as a bit more of a correction.","start":957.375,"end":958.995,"sentiment":"neutral","sentiment_score":-0.17903426620695326},{"text":"It is gonna come back, and these investments we're putting you in have been through COVID times.","start":959.53503,"end":964.69995,"sentiment":"neutral","sentiment_score":0.011900144355262028},{"text":"They've been through the DFC.","start":964.69995,"end":966.24,"sentiment":"neutral","sentiment_score":0.027266394719481467},{"text":"They've seen very large market dips and then come back and recovered.","start":966.3,"end":969.75995,"sentiment":"neutral","sentiment_score":0.004957391880452633}],"sentiment":"neutral","sentiment_score":-0.05712562650442123,"num_words":50,"start":955.615,"end":969.75995},{"sentences":[{"text":"So and that's what's really important to me, making sure that you're in something passive that's lower in phase.","start":969.81995,"end":975.19995,"sentiment":"neutral","sentiment_score":-0.003197573848362816},{"text":"The portfolio the investment fees, if you when you're looking at the table there on page number 29, it actually shows you by making these changes here, you're actually gonna save for the first year about $715 in investment fees.","start":975.945,"end":988.66504,"sentiment":"neutral","sentiment_score":0.25086106434464456},{"text":"That's a pretty big saving on investment fees, making sure that more money is invested for you working harder.","start":988.66504,"end":994.39,"sentiment":"positive","sentiment_score":0.47565857987654836},{"text":"And the CGT, because they're no longer been underperforming, the CGT consequences for making these changes, it's about a $159.","start":994.77,"end":1003.51,"sentiment":"neutral","sentiment_score":0.13217143211513757},{"text":"So not a bad CGT consequence.","start":1003.795,"end":1005.895,"sentiment":"neutral","sentiment_score":0.25370056678851444}],"sentiment":"neutral","sentiment_score":0.22285417049379946,"num_words":104,"start":969.81995,"end":1005.895},{"sentences":[{"text":"We're retaining as much as we possibly can and making sure that you're in a low cost, well performing portfolio.","start":1006.03503,"end":1012.455,"sentiment":"positive","sentiment_score":0.4234629362821579},{"text":"We are reducing the risk of it.","start":1013.47504,"end":1015.155,"sentiment":"positive","sentiment_score":0.42662302936826435},{"text":"Also, we're moving you out of the high growth environment into the growth environment.","start":1015.155,"end":1018.615,"sentiment":"neutral","sentiment_score":0.28535597984279903},{"text":"You're reducing your risk in the market by about 10%, which is good.","start":1018.8,"end":1022.33997,"sentiment":"positive","sentiment_score":0.4146136137155386},{"text":"It is time to start sort of pulling back a little bit, especially in these volatile times.","start":1022.56,"end":1026.42,"sentiment":"neutral","sentiment_score":-0.0018514226026394788}],"sentiment":"neutral","sentiment_score":0.2930860062405257,"num_words":71,"start":1006.03503,"end":1026.42},{"sentences":[{"text":"And the portfolio that we have looked at, we've looked at a five year rolling average to show what it has averaged over the past five years, but the the portfolio we're moving into has averaged about 12.6%.","start":1027.04,"end":1038.1151,"sentiment":"neutral","sentiment_score":0.05885917722786728},{"text":"So it's not by any means saying that you're gonna get that every year.","start":1038.415,"end":1041.775,"sentiment":"neutral","sentiment_score":-0.018867441586085727},{"text":"It's saying this is what it has averaged when we look at it over the past five years.","start":1041.775,"end":1045.295,"sentiment":"neutral","sentiment_score":0.07179763499233457},{"text":"So it has averaged a greater level of return, hoping to lower the risk level for you and reduce the overall fees as well.","start":1045.295,"end":1052.9299,"sentiment":"neutral","sentiment_score":0.16786280802140632},{"text":"Okay?","start":1053.07,"end":1053.57,"sentiment":"neutral","sentiment_score":0.026568908244371418}],"sentiment":"neutral","sentiment_score":0.0770540871902516,"num_words":95,"start":1027.04,"end":1053.57},{"sentences":[{"text":"Yep.","start":1057.3899,"end":1057.8899,"sentiment":"neutral","sentiment_score":0.0037076673470437527},{"text":"That's pretty good.","start":1060.5751,"end":1061.7151,"sentiment":"positive","sentiment_score":0.44000564018885296},{"text":"Absolutely.","start":1064.015,"end":1064.515,"sentiment":"positive","sentiment_score":0.4587482810020447},{"text":"And we'll make sure that we're updating things with you and checking in to see how things are going.","start":1064.7351,"end":1068.9751,"sentiment":"neutral","sentiment_score":0.2187079779411617},{"text":"And you've got my email here as well.","start":1068.9751,"end":1070.415,"sentiment":"neutral","sentiment_score":0.11882903520017862}],"sentiment":"neutral","sentiment_score":0.2152673978562234,"num_words":32,"start":1057.3899,"end":1070.415},{"sentences":[{"text":"So if you can send about anything, email me and let me know, and I'll talk you through it.","start":1070.415,"end":1074.44,"sentiment":"neutral","sentiment_score":0.08592821363555758},{"text":"Okay?","start":1074.44,"end":1074.94,"sentiment":"neutral","sentiment_score":0.03995342552661896},{"text":"AUC.","start":1077.08,"end":1077.58,"sentiment":"neutral","sentiment_score":-0.014796859584748743},{"text":"Beautiful.","start":1080.9199,"end":1081.4199,"sentiment":"neutral","sentiment_score":0.07671476155519485},{"text":"Thank you.","start":1086.535,"end":1087.275,"sentiment":"positive","sentiment_score":0.35593070089817047}],"sentiment":"neutral","sentiment_score":0.10193203284870833,"num_words":24,"start":1070.415,"end":1087.275},{"sentences":[{"text":"Yeah.","start":1090.455,"end":1090.955,"sentiment":"neutral","sentiment_score":0.06715017557144165},{"text":"Yep.","start":1094.135,"end":1094.635,"sentiment":"neutral","sentiment_score":0.09766896069049837},{"text":"Beautiful.","start":1096.95,"end":1097.45,"sentiment":"positive","sentiment_score":0.4732992649078369},{"text":"Beautiful.","start":1098.63,"end":1099.13,"sentiment":"positive","sentiment_score":0.7084625363349915},{"text":"Excellent.","start":1099.4299,"end":1099.9299,"sentiment":"positive","sentiment_score":0.6917746067047119}],"sentiment":"positive","sentiment_score":0.40767110884189606,"num_words":5,"start":1090.455,"end":1099.9299},{"sentences":[{"text":"I will also explain.","start":1100.23,"end":1101.4299,"sentiment":"positive","sentiment_score":0.34412235021591187},{"text":"We do have in there, as I mentioned, the limited scope around the retirement aspect.","start":1101.4299,"end":1105.27,"sentiment":"neutral","sentiment_score":0.07737074668208758},{"text":"So I do do some modeling for to sort of see where this is taking you long term based on our current projections.","start":1105.27,"end":1110.65,"sentiment":"neutral","sentiment_score":0.09566418599823247},{"text":"I know you're aiming for an incoming retirement of about 95,000 per annum.","start":1111.455,"end":1116.595,"sentiment":"neutral","sentiment_score":0.08596475766255306},{"text":"This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen.","start":1116.895,"end":1140.22,"sentiment":"neutral","sentiment_score":0.11878409149916205}],"sentiment":"neutral","sentiment_score":0.11348521412583068,"num_words":128,"start":1100.23,"end":1140.22},{"sentences":[{"text":"So it's not quite not quite meeting your goal there at the moment, but this is just the starting point.","start":1140.22,"end":1145.335,"sentiment":"neutral","sentiment_score":-0.06586488615721464},{"text":"We can look down the track at additional contributions.","start":1145.335,"end":1147.595,"sentiment":"neutral","sentiment_score":0.06874676917990048},{"text":"When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly similar.","start":1148.135,"end":1159.54,"sentiment":"neutral","sentiment_score":0.11275266844313592},{"text":"We can also look at other portfolios down the track and sort of see what we're doing.","start":1159.92,"end":1163.3601,"sentiment":"neutral","sentiment_score":0.10119248554110527},{"text":"So this is a starting point to kinda get you back on track now, and then we'll keep building on that as we get closer and closer.","start":1163.3601,"end":1170.42,"sentiment":"neutral","sentiment_score":0.22253833214441934}],"sentiment":"neutral","sentiment_score":0.10131729344526927,"num_words":105,"start":1140.22,"end":1170.42},{"sentences":[{"text":"Okay?","start":1170.64,"end":1171.14,"sentiment":"neutral","sentiment_score":0.06697220355272293},{"text":"Yeah.","start":1176.085,"end":1176.585,"sentiment":"neutral","sentiment_score":0.032238759100437164},{"text":"Yep.","start":1177.0449,"end":1177.5449,"sentiment":"neutral","sentiment_score":0.04179504513740539},{"text":"It's lower.","start":1180.085,"end":1180.905,"sentiment":"neutral","sentiment_score":0.01979340147227049},{"text":"Absolutely.","start":1182.165,"end":1182.665,"sentiment":"neutral","sentiment_score":0.15664413571357727}],"sentiment":"neutral","sentiment_score":0.05620615774144729,"num_words":6,"start":1170.64,"end":1182.665},{"sentences":[{"text":"No.","start":1185.54,"end":1186.04,"sentiment":"neutral","sentiment_score":-0.09479708969593048},{"text":"No.","start":1186.1,"end":1186.6,"sentiment":"neutral","sentiment_score":-0.06307712942361832},{"text":"Correct.","start":1186.82,"end":1187.32,"sentiment":"neutral","sentiment_score":0.0014775358140468595},{"text":"Yep.","start":1192.02,"end":1192.52,"sentiment":"neutral","sentiment_score":0.0426807776093483},{"text":"Correct.","start":1197.875,"end":1198.375,"sentiment":"neutral","sentiment_score":0.01178698893636465}],"sentiment":"neutral","sentiment_score":-0.020385783351957797,"num_words":5,"start":1185.54,"end":1198.375},{"sentences":[{"text":"Yeah.","start":1202.275,"end":1202.775,"sentiment":"neutral","sentiment_score":-0.04086608439683914},{"text":"Beautiful.","start":1204.1951,"end":1204.6951,"sentiment":"neutral","sentiment_score":0.3294537365436554},{"text":"Beautiful.","start":1205.395,"end":1205.895,"sentiment":"positive","sentiment_score":0.5135903358459473},{"text":"Yeah.","start":1207.235,"end":1207.735,"sentiment":"neutral","sentiment_score":0.2568392753601074},{"text":"Yes.","start":1209.2001,"end":1209.7001,"sentiment":"neutral","sentiment_score":0.1300290822982788}],"sentiment":"neutral","sentiment_score":0.23780926913022996,"num_words":5,"start":1202.275,"end":1209.7001},{"sentences":[{"text":"Yep.","start":1210.4801,"end":1210.9801,"sentiment":"neutral","sentiment_score":0.05064171552658081},{"text":"Absolutely.","start":1212.16,"end":1212.66,"sentiment":"neutral","sentiment_score":0.20062297582626343},{"text":"No.","start":1212.88,"end":1213.28,"sentiment":"neutral","sentiment_score":0.11636094748973846},{"text":"Correct.","start":1213.28,"end":1213.68,"sentiment":"neutral","sentiment_score":0.22206783294677737},{"text":"Absolutely.","start":1213.68,"end":1214.18,"sentiment":"neutral","sentiment_score":0.25483593344688416}],"sentiment":"neutral","sentiment_score":0.16890588104724885,"num_words":5,"start":1210.4801,"end":1214.18},{"sentences":[{"text":"And I'll make sure we're working harder with you.","start":1214.3201,"end":1216.5,"sentiment":"neutral","sentiment_score":0.20906693240006766},{"text":"Moving forward with the catch ups, how often did you want us to do them?","start":1216.8,"end":1219.8401,"sentiment":"neutral","sentiment_score":0.1070712407430013},{"text":"Do you wanna maybe check-in with me once every quarter or every six months?","start":1219.8401,"end":1223.225,"sentiment":"neutral","sentiment_score":0.0652459314359086},{"text":"What's comfortable for you and your lifestyle at the moment?","start":1223.225,"end":1225.8049,"sentiment":"neutral","sentiment_score":0.11665198504924774},{"text":"Six monthly?","start":1229.225,"end":1229.965,"sentiment":"neutral","sentiment_score":0.0283593088388443}],"sentiment":"neutral","sentiment_score":0.1124870502203703,"num_words":50,"start":1214.3201,"end":1229.965},{"sentences":[{"text":"Yep.","start":1230.2649,"end":1230.7649,"sentiment":"neutral","sentiment_score":0.04817257076501846},{"text":"Yep.","start":1233.3049,"end":1233.8049,"sentiment":"neutral","sentiment_score":0.05615627393126488},{"text":"Yeah.","start":1239.98,"end":1240.48,"sentiment":"neutral","sentiment_score":-0.021905522793531414},{"text":"Yeah.","start":1243.66,"end":1244.16,"sentiment":"neutral","sentiment_score":-0.10673026740550996},{"text":"Yeah.","start":1252.9551,"end":1253.4551,"sentiment":"neutral","sentiment_score":-0.05308227241039276}],"sentiment":"neutral","sentiment_score":-0.015477843582630161,"num_words":5,"start":1230.2649,"end":1253.4551},{"sentences":[{"text":"Yep.","start":1264.3301,"end":1264.8301,"sentiment":"neutral","sentiment_score":0.004916018806397915},{"text":"I can jump in and let you know.","start":1270.8251,"end":1272.505,"sentiment":"neutral","sentiment_score":0.018780269543640316},{"text":"Sorry.","start":1272.505,"end":1272.905,"sentiment":"neutral","sentiment_score":-0.024251718074083328},{"text":"Two seconds.","start":1272.905,"end":1273.4651,"sentiment":"neutral","sentiment_score":-0.009266028180718422},{"text":"I'll jump in the hub real quick.","start":1273.4651,"end":1275.165,"sentiment":"neutral","sentiment_score":0.02270115659173046}],"sentiment":"neutral","sentiment_score":0.014278026150637552,"num_words":19,"start":1264.3301,"end":1275.165},{"sentences":[{"text":"There we go.","start":1276.025,"end":1276.925,"sentiment":"neutral","sentiment_score":0.05039947728315989},{"text":"Beautiful.","start":1277.0651,"end":1277.5651,"sentiment":"neutral","sentiment_score":0.3238521218299866},{"text":"While I'm jumping in here, I will make I've made a note here.","start":1277.9451,"end":1280.3451,"sentiment":"neutral","sentiment_score":0.12213095678732945},{"text":"It's a six monthly, so I'll make it down.","start":1280.3451,"end":1282.1051,"sentiment":"neutral","sentiment_score":0.07900760902298821},{"text":"It's in our calendar.","start":1282.1051,"end":1283.165,"sentiment":"neutral","sentiment_score":0.05434907414019108}],"sentiment":"neutral","sentiment_score":0.09970725898941359,"num_words":30,"start":1276.025,"end":1283.165},{"sentences":[{"text":"Sorry.","start":1283.305,"end":1283.805,"sentiment":"neutral","sentiment_score":0.01656702719628811},{"text":"My admin team member, Michelle, she'll give you a call in a in a couple of months.","start":1284.0599,"end":1288.1399,"sentiment":"neutral","sentiment_score":0.04535714602645706},{"text":"We'll book in your first catch up, and we'll make sure that moving forward, these catch ups do occur for you so you are getting those updates.","start":1288.1399,"end":1294.0,"sentiment":"neutral","sentiment_score":0.12573641014319878},{"text":"And as I said, you've got my email.","start":1294.46,"end":1295.98,"sentiment":"neutral","sentiment_score":0.06512320041656494},{"text":"If something's concerning you, email me.","start":1295.98,"end":1298.065,"sentiment":"neutral","sentiment_score":0.0464412085711956}],"sentiment":"neutral","sentiment_score":0.0844432955639342,"num_words":59,"start":1283.305,"end":1298.065},{"sentences":[{"text":"I do look at the markets on a regular basis.","start":1298.065,"end":1300.3049,"sentiment":"neutral","sentiment_score":0.04914150647819042},{"text":"I invest in my speaker, but also in my own name as well.","start":1300.3049,"end":1303.105,"sentiment":"neutral","sentiment_score":0.1635994934118711},{"text":"So I am looking at the markets at what's happening.","start":1303.105,"end":1306.385,"sentiment":"neutral","sentiment_score":0.10439354404807091},{"text":"And, you know, if there is a need of the concern, we'll definitely bring it up with you.","start":1306.385,"end":1310.325,"sentiment":"neutral","sentiment_score":0.167564292334848},{"text":"Sorry.","start":1311.3401,"end":1311.5,"sentiment":"neutral","sentiment_score":-0.04566459357738495}],"sentiment":"neutral","sentiment_score":0.12755070361666954,"num_words":52,"start":1298.065,"end":1311.5},{"sentences":[{"text":"I have this taking a second to load, but here we go.","start":1311.5,"end":1317.3601,"sentiment":"neutral","sentiment_score":-0.03735304903239012},{"text":"Okay.","start":1329.115,"end":1329.195,"sentiment":"neutral","sentiment_score":0.15432927012443542},{"text":"Absolutely.","start":1329.195,"end":1329.695,"sentiment":"neutral","sentiment_score":0.2931808531284332},{"text":"Absolutely.","start":1330.1549,"end":1330.6549,"sentiment":"neutral","sentiment_score":0.28147757053375244},{"text":"We have had a little bit of a change in the business, so they set it up a bit more.","start":1330.875,"end":1334.7949,"sentiment":"neutral","sentiment_score":0.07570639848709107}],"sentiment":"neutral","sentiment_score":0.051282259289707456,"num_words":35,"start":1311.5,"end":1334.7949},{"sentences":[{"text":"So instead of having any adviser give you a call, it will just be me.","start":1334.7949,"end":1338.0499,"sentiment":"neutral","sentiment_score":0.1459734300772349},{"text":"I've put you into my book, and so myself and Michelle will be the ones that make contact with you.","start":1338.0499,"end":1343.09,"sentiment":"neutral","sentiment_score":0.27038636729121207},{"text":"You'll speak to her a lot as well as myself.","start":1343.09,"end":1345.25,"sentiment":"neutral","sentiment_score":0.27399600446224215},{"text":"You can call and book in extra times with you.","start":1345.25,"end":1347.65,"sentiment":"neutral","sentiment_score":0.20442144870758056},{"text":"You're not limited to just once every six months.","start":1347.65,"end":1350.37,"sentiment":"neutral","sentiment_score":0.1056846243639787}],"sentiment":"neutral","sentiment_score":0.208322889811825,"num_words":64,"start":1334.7949,"end":1350.37},{"sentences":[{"text":"If you are concerned or you want an extra catch up, you let me know or, you know, we can, yeah, make a time to catch up with you.","start":1350.37,"end":1357.515,"sentiment":"neutral","sentiment_score":0.13648258098240557},{"text":"I work longer Monday to Thursday, so I work after hours as well.","start":1357.515,"end":1361.755,"sentiment":"neutral","sentiment_score":0.13152968711577928},{"text":"So you you know, we'll make sure that we're here for you and that you do get those catch ups moving forward because it is really important that you are getting the value out of our service, and I wanna make sure that things are working harder for you.","start":1361.755,"end":1373.3,"sentiment":"neutral","sentiment_score":0.2965176768448888},{"text":"Okay?","start":1373.3,"end":1373.8,"sentiment":"neutral","sentiment_score":-0.013554085046052933},{"text":"Beautiful.","start":1375.7001,"end":1376.2001,"sentiment":"neutral","sentiment_score":0.30817824602127075}],"sentiment":"neutral","sentiment_score":0.22034270007924367,"num_words":93,"start":1350.37,"end":1376.2001},{"sentences":[{"text":"So having a look now, I'm in here.","start":1376.5,"end":1379.48,"sentiment":"neutral","sentiment_score":0.06283548660576344},{"text":"Your balance in hub as of now, we're sitting at a 182,830.","start":1380.875,"end":1387.935,"sentiment":"neutral","sentiment_score":0.011585783523817858},{"text":"So on here, we had it's dropped about just over $2 at the moment.","start":1389.1151,"end":1399.72,"sentiment":"neutral","sentiment_score":-0.11106445593759418},{"text":"Yeah.","start":1399.78,"end":1400.28,"sentiment":"neutral","sentiment_score":-0.08833853900432587},{"text":"Yeah.","start":1400.42,"end":1400.92,"sentiment":"neutral","sentiment_score":-0.15110260248184204}],"sentiment":"neutral","sentiment_score":-0.03201750637446013,"num_words":36,"start":1376.5,"end":1400.92},{"sentences":[{"text":"So slight dip in the market there.","start":1401.4601,"end":1404.04,"sentiment":"neutral","sentiment_score":-0.33100804686546326},{"text":"Been along sort of holding.","start":1404.18,"end":1405.54,"sentiment":"negative","sentiment_score":-0.358956378698349},{"text":"Hasn't really come back in any way, shape, or form, but that's the one investment that over the course of everything is holding your portfolio back a little bit more.","start":1405.54,"end":1413.265,"sentiment":"negative","sentiment_score":-0.367489363749822},{"text":"Because when I look at from inception, everything else has been performing really, really well.","start":1413.265,"end":1417.745,"sentiment":"positive","sentiment_score":0.4757470687230428},{"text":"So once we remove Benelon out of there, get the a 200 in, make those changes to the portfolio, then let it sit for a little bit, let it do its thing through these market ups and downs, then we'll come back and review what it's doing for you.","start":1417.745,"end":1430.5,"sentiment":"neutral","sentiment_score":0.10801929056796493}],"sentiment":"neutral","sentiment_score":-0.02554120627706343,"num_words":106,"start":1401.4601,"end":1430.5},{"sentences":[{"text":"But it is it is all Benelon kinda holding it back at the moment.","start":1430.5,"end":1433.7999,"sentiment":"neutral","sentiment_score":-0.24604269117116928},{"text":"Okay?","start":1433.86,"end":1434.36,"sentiment":"neutral","sentiment_score":-0.059440601617097855},{"text":"It has been a difficult one.","start":1439.4751,"end":1440.915,"sentiment":"negative","sentiment_score":-0.4355286608139674},{"text":"Yeah.","start":1440.915,"end":1441.155,"sentiment":"neutral","sentiment_score":-0.07940444350242615},{"text":"Well, do everything I can to help you kind of make it all back.","start":1441.155,"end":1444.355,"sentiment":"neutral","sentiment_score":0.09023071080446243}],"sentiment":"neutral","sentiment_score":-0.13703846486492288,"num_words":36,"start":1430.5,"end":1444.355},{"sentences":[{"text":"Okay?","start":1444.355,"end":1444.855,"sentiment":"neutral","sentiment_score":0.0939597561955452},{"text":"All good.","start":1448.13,"end":1448.79,"sentiment":"positive","sentiment_score":0.5518656969070435},{"text":"The last part of the advice is just the the estate planning side of things.","start":1449.5701,"end":1453.81,"sentiment":"neutral","sentiment_score":0.11771337340275446},{"text":"So you we just wanna make sure your beneficiaries are up to date.","start":1453.81,"end":1457.09,"sentiment":"neutral","sentiment_score":0.12689576412622744},{"text":"So we are gonna recommend that you do binding non lapsing beneficiaries, nominating your wife receives everything in the event of that passing with CareSoup, but we weren't able to see exactly what it had noted there, but we're gonna go back and double check.","start":1457.09,"end":1472.5651,"sentiment":"neutral","sentiment_score":0.0622582260105345}],"sentiment":"neutral","sentiment_score":0.0975612744100784,"num_words":76,"start":1444.355,"end":1472.5651},{"sentences":[{"text":"Yeah?","start":1473.105,"end":1473.605,"sentiment":"neutral","sentiment_score":-0.03100258857011795},{"text":"Beautiful.","start":1476.16,"end":1476.66,"sentiment":"neutral","sentiment_score":0.19069674611091617},{"text":"It's numb so you've got a nonbinding?","start":1477.3601,"end":1479.38,"sentiment":"neutral","sentiment_score":-0.13012751298291342},{"text":"I'm gonna update that.","start":1480.88,"end":1482.3401,"sentiment":"neutral","sentiment_score":-0.009912891779094934},{"text":"You're right?","start":1482.56,"end":1483.3,"sentiment":"neutral","sentiment_score":-0.00248834490776062}],"sentiment":"neutral","sentiment_score":-0.05305511268476645,"num_words":15,"start":1473.105,"end":1483.3},{"sentences":[{"text":"Okay.","start":1486.0,"end":1486.5,"sentiment":"neutral","sentiment_score":-0.010626768693327904},{"text":"So nonbinding means that you've made the nomination, but the trustee if you pass away, the trustee has discretion to make that decision so they don't have to follow the direction.","start":1490.6549,"end":1499.615,"sentiment":"neutral","sentiment_score":-0.027278296281433394},{"text":"It doesn't bind them to to follow through.","start":1499.615,"end":1502.2749,"sentiment":"neutral","sentiment_score":-0.04449486616067588},{"text":"Is it bind with the one in care sweep, it does it say binding non lapsing or binding lapsing?","start":1505.65,"end":1510.47,"sentiment":"neutral","sentiment_score":-0.01860346071618168},{"text":"If you're not sure.","start":1512.13,"end":1513.35,"sentiment":"neutral","sentiment_score":-0.027016057167202234}],"sentiment":"neutral","sentiment_score":-0.02656734706316557,"num_words":63,"start":1486.0,"end":1513.35},{"sentences":[{"text":"Yeah.","start":1513.97,"end":1514.29,"sentiment":"neutral","sentiment_score":0.0830632895231247},{"text":"Perfect.","start":1514.29,"end":1514.79,"sentiment":"positive","sentiment_score":0.3635762929916382},{"text":"Yep.","start":1516.2749,"end":1516.7749,"sentiment":"neutral","sentiment_score":0.026649868115782738},{"text":"Beautiful.","start":1518.5149,"end":1518.9149,"sentiment":"positive","sentiment_score":0.7136536836624146},{"text":"Because I wanna make sure that they both definitely are.","start":1518.9149,"end":1521.315,"sentiment":"positive","sentiment_score":0.5277516841888428}],"sentiment":"positive","sentiment_score":0.46174714115581345,"num_words":14,"start":1513.97,"end":1521.315},{"sentences":[{"text":"I still wanted to have this in the advice to sort of, like, this is where we're starting off with the with the estate planning side of things.","start":1521.315,"end":1528.0349,"sentiment":"neutral","sentiment_score":0.12814613844134978},{"text":"We'll make sure that everything is in line because binding, non lapsing binds the trustee to follow that direction so long as your nomination is valid.","start":1528.0349,"end":1534.9401,"sentiment":"neutral","sentiment_score":0.14954751586684814},{"text":"And non lapsing means you don't have to keep filling out the document.","start":1534.9401,"end":1537.66,"sentiment":"neutral","sentiment_score":0.007329098163889005},{"text":"These are annoying documents to fill out.","start":1537.66,"end":1539.92,"sentiment":"neutral","sentiment_score":-0.29511687265975134},{"text":"So filling it out once, and then we review that with you continuously to make sure it remains in line with your needs.","start":1539.98,"end":1545.875,"sentiment":"neutral","sentiment_score":-0.1916917568963507}],"sentiment":"neutral","sentiment_score":0.011308010801980175,"num_words":97,"start":1521.315,"end":1545.875},{"sentences":[{"text":"And when something changes, if you say, hey.","start":1545.9349,"end":1548.1749,"sentiment":"neutral","sentiment_score":-0.16749213822185993},{"text":"That's not suitable anymore, then we'll look to change that with you.","start":1548.1749,"end":1551.535,"sentiment":"neutral","sentiment_score":-0.21464245518048605},{"text":"Okay?","start":1551.535,"end":1552.035,"sentiment":"neutral","sentiment_score":0.001663096249103546},{"text":"Yep.","start":1552.575,"end":1553.075,"sentiment":"neutral","sentiment_score":0.030626265332102776},{"text":"Yes.","start":1557.55,"end":1558.03,"sentiment":"neutral","sentiment_score":0.06362257897853851}],"sentiment":"neutral","sentiment_score":-0.16607541858178118,"num_words":23,"start":1545.9349,"end":1558.03},{"sentences":[{"text":"Hub definitely is.","start":1558.03,"end":1558.99,"sentiment":"neutral","sentiment_score":0.07706680397192638},{"text":"Yes.","start":1558.99,"end":1559.49,"sentiment":"neutral","sentiment_score":0.10150205343961716},{"text":"Yep.","start":1561.39,"end":1561.89,"sentiment":"neutral","sentiment_score":0.03728096932172775},{"text":"Absolutely.","start":1568.525,"end":1568.925,"sentiment":"neutral","sentiment_score":0.0488847978413105},{"text":"If you can avoid that, absolutely.","start":1568.925,"end":1570.865,"sentiment":"neutral","sentiment_score":-0.028882350772619247}],"sentiment":"neutral","sentiment_score":0.020464510656893253,"num_words":12,"start":1558.03,"end":1570.865},{"sentences":[{"text":"They make these 90 nominations very difficult to fill out, and they shouldn't do, but they absolutely do make them hard.","start":1571.005,"end":1577.165,"sentiment":"neutral","sentiment_score":-0.1838059900772004},{"text":"So if we can alleviate that pressure on you, we'll 100% help you out with it.","start":1577.165,"end":1581.48,"sentiment":"neutral","sentiment_score":0.1533604497089982},{"text":"But I wanted to have have that in there.","start":1581.88,"end":1583.7999,"sentiment":"neutral","sentiment_score":0.11850669980049133},{"text":"That's my recommendation with those estate planning.","start":1583.7999,"end":1586.2999,"sentiment":"neutral","sentiment_score":0.2337016463279724},{"text":"As long as they're up to date and valid, that's fine, and we'll just make sure we keep reviewing that with you moving forward.","start":1586.76,"end":1592.46,"sentiment":"neutral","sentiment_score":0.24565009338160357}],"sentiment":"neutral","sentiment_score":0.09340149957638283,"num_words":77,"start":1571.005,"end":1592.46},{"sentences":[{"text":"Okay?","start":1592.52,"end":1593.02,"sentiment":"neutral","sentiment_score":0.11201974004507063},{"text":"Absolutely.","start":1598.8351,"end":1599.3351,"sentiment":"positive","sentiment_score":0.3358897566795349},{"text":"Yeah.","start":1599.795,"end":1600.115,"sentiment":"neutral","sentiment_score":0.23502635955810547},{"text":"Definitely.","start":1600.115,"end":1600.615,"sentiment":"neutral","sentiment_score":0.31447339057922363},{"text":"Definitely.","start":1601.235,"end":1601.735,"sentiment":"positive","sentiment_score":0.33730006217956543}],"sentiment":"neutral","sentiment_score":0.26694186180830004,"num_words":5,"start":1592.52,"end":1601.735},{"sentences":[{"text":"Beautiful.","start":1602.275,"end":1602.775,"sentiment":"positive","sentiment_score":0.5046997666358948},{"text":"Now if you do like a little bit of reading, attach the DocuSign.","start":1603.475,"end":1606.615,"sentiment":"neutral","sentiment_score":0.14006449683354452},{"text":"I've also got there the PDF documents for the recommendation, the hub 24 and care super.","start":1606.675,"end":1612.49,"sentiment":"neutral","sentiment_score":0.11296438914723694},{"text":"I've got our financial services guide, which has got a lovely picture of me and some information on me in there for you.","start":1612.71,"end":1617.85,"sentiment":"positive","sentiment_score":0.7035624967968982},{"text":"I've also got the appendix, which has all the research that I completed around looking at what to recommend for you as well that you can run your eyes over.","start":1618.23,"end":1625.9551,"sentiment":"positive","sentiment_score":0.3933683524529139}],"sentiment":"positive","sentiment_score":0.38693923435835953,"num_words":83,"start":1602.275,"end":1625.9551},{"sentences":[{"text":"And you're welcome to let me know if you have any additional questions.","start":1625.9551,"end":1628.775,"sentiment":"neutral","sentiment_score":0.3316406699327322},{"text":"I've gone through everything I needed to touch base on.","start":1629.555,"end":1632.275,"sentiment":"neutral","sentiment_score":0.2690682619810104},{"text":"The rest of the document does have a lot around the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well.","start":1632.275,"end":1638.91,"sentiment":"neutral","sentiment_score":0.1291991053149104},{"text":"So you're welcome to run your eyes over that, have a read through anything.","start":1638.9701,"end":1641.77,"sentiment":"positive","sentiment_score":0.33792567253112793},{"text":"And if you find us any questions, let me know.","start":1641.77,"end":1644.27,"sentiment":"neutral","sentiment_score":0.1951961949467659}],"sentiment":"neutral","sentiment_score":0.2364184679069989,"num_words":71,"start":1625.9551,"end":1644.27},{"sentences":[{"text":"I am off next week just because I'm taking some time up with my son, but email me if there's anything or call us and let Michelle know.","start":1644.9701,"end":1651.905,"sentiment":"neutral","sentiment_score":0.0573441136096205},{"text":"I do check my emails over the course of the week every so often, so I will get back to you as soon as I can, but I'm back on the thirteenth.","start":1652.145,"end":1658.0851,"sentiment":"neutral","sentiment_score":0.08836466335924342},{"text":"Okay?","start":1658.305,"end":1658.805,"sentiment":"neutral","sentiment_score":0.03473012149333954},{"text":"Correct.","start":1666.4,"end":1666.9,"sentiment":"neutral","sentiment_score":0.0416298545897007},{"text":"Yep.","start":1667.2001,"end":1667.6001,"sentiment":"neutral","sentiment_score":0.24590155482292175}],"sentiment":"neutral","sentiment_score":0.07548517364239882,"num_words":63,"start":1644.9701,"end":1667.6001},{"sentences":[{"text":"Absolutely.","start":1667.6001,"end":1668.1001,"sentiment":"positive","sentiment_score":0.4070320427417755},{"text":"You sign and return it back, and we'll be able to go in and make the investment switches for you and get all of that sorted nice and quickly.","start":1668.16,"end":1673.6001,"sentiment":"positive","sentiment_score":0.46919718384742737},{"text":"That way your portfolio has got some time to recover and start to build and work a bit harder for you.","start":1673.6001,"end":1679.445,"sentiment":"neutral","sentiment_score":0.20478315154711405},{"text":"And if there's anything that you wanna change, on the back page, we have a text box.","start":1680.4049,"end":1685.605,"sentiment":"neutral","sentiment_score":0.06989381287027807},{"text":"You're welcome to write in there with if there's any part of the advice you don't wish to proceed with.","start":1685.605,"end":1690.4249,"sentiment":"neutral","sentiment_score":0.01885223276913166}],"sentiment":"neutral","sentiment_score":0.22590268217027187,"num_words":88,"start":1667.6001,"end":1690.4249},{"sentences":[{"text":"If it does require you to answer that box, just put NA if you're happy to proceed with all of the advice.","start":1690.965,"end":1696.63,"sentiment":"neutral","sentiment_score":0.06150635501200503},{"text":"Okay?","start":1696.6901,"end":1697.1901,"sentiment":"neutral","sentiment_score":0.0590583011507988},{"text":"Yep.","start":1699.01,"end":1699.51,"sentiment":"neutral","sentiment_score":0.2332315742969513},{"text":"Beautiful.","start":1699.65,"end":1700.15,"sentiment":"positive","sentiment_score":0.4846288859844208},{"text":"No worries.","start":1703.97,"end":1704.79,"sentiment":"neutral","sentiment_score":0.07971743494272232}],"sentiment":"neutral","sentiment_score":0.08479605339191577,"num_words":27,"start":1690.965,"end":1704.79},{"sentences":[{"text":"No worries, Darren.","start":1704.85,"end":1705.73,"sentiment":"neutral","sentiment_score":0.16407824556032816},{"text":"If there's anything, you let me know.","start":1705.73,"end":1707.01,"sentiment":"neutral","sentiment_score":0.19775441076074327},{"text":"It doesn't matter what question is.","start":1707.01,"end":1708.3151,"sentiment":"neutral","sentiment_score":0.21498249967892966},{"text":"I'm here to help you.","start":1708.3151,"end":1709.615,"sentiment":"positive","sentiment_score":0.4027218699455261},{"text":"So you if there's something on your mind, you email me and let me know or give me a buzz.","start":1709.8351,"end":1713.8351,"sentiment":"neutral","sentiment_score":0.07178259342908859}],"sentiment":"neutral","sentiment_score":0.16135784947290654,"num_words":41,"start":1704.85,"end":1713.8351},{"sentences":[{"text":"I'll make time to stop and have a chat.","start":1713.8351,"end":1715.935,"sentiment":"neutral","sentiment_score":0.17368990017308128},{"text":"And, yeah, once you sign that, we'll get that in place.","start":1716.555,"end":1718.9551,"sentiment":"neutral","sentiment_score":0.12008737637238069},{"text":"And I've got a note here.","start":1718.9551,"end":1720.4751,"sentiment":"neutral","sentiment_score":0.1398348162571589},{"text":"We'll give you a call and organize a catch up in six months time if you don't need us beforehand.","start":1720.4751,"end":1724.5901,"sentiment":"neutral","sentiment_score":0.11758322417736053},{"text":"Okay?","start":1724.7301,"end":1725.2301,"sentiment":"neutral","sentiment_score":0.05373532325029373}],"sentiment":"neutral","sentiment_score":0.13039529672328462,"num_words":47,"start":1713.8351,"end":1725.2301},{"sentences":[{"text":"All good.","start":1727.37,"end":1728.1101,"sentiment":"positive","sentiment_score":0.47563636302948},{"text":"Perfect.","start":1728.3301,"end":1728.8301,"sentiment":"positive","sentiment_score":0.7298574447631836},{"text":"Thank you so much for your time this morning.","start":1729.4501,"end":1731.4501,"sentiment":"positive","sentiment_score":0.8261942664782206},{"text":"I really appreciate it.","start":1731.4501,"end":1732.91,"sentiment":"positive","sentiment_score":0.7711495012044907},{"text":"No.","start":1738.2949,"end":1738.615,"sentiment":"neutral","sentiment_score":0.2773747444152832}],"sentiment":"positive","sentiment_score":0.7340500775505515,"num_words":17,"start":1727.37,"end":1738.615},{"sentences":[{"text":"Not a problem at all.","start":1738.615,"end":1739.6549,"sentiment":"positive","sentiment_score":0.5038055419921875},{"text":"You have a lovely day.","start":1739.6549,"end":1740.855,"sentiment":"positive","sentiment_score":0.7537020444869995},{"text":"I'll talk to you really soon.","start":1740.855,"end":1742.235,"sentiment":"positive","sentiment_score":0.4984633723894755},{"text":"Thanks, Darren.","start":1743.735,"end":1744.455,"sentiment":"positive","sentiment_score":0.5803663730621338},{"text":"Talk 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Darren speaking. Hey. Good. How are you? Yeah. Yeah. They're on my phone. I'll have to be on on speaker. Hang on. Give me give me a sec. Yes. That's all. Darren Edwards or Darren Anthony Edwards. First of birth 07/01 6 Mayberry Way, Werribee. Yep. I've got it. Yep. Yeah. I'm I'm yeah. I'm scrolling through it now, so I'll have a quick sticky back. Yes. That's four. Yep. Okay. Okay. No worries. Yep. Yes. Okay. Yes. No. That's that's fair enough. I'd rather keep that then. Sure, Val. That's fine. Yeah. That's fine. So is it is it still worth keeping the income protection as well? Next time. Yep. Yeah. That's fine. No. That's cool. That's what my fees are paying you paying you to do. Looking to be. No. That's fine. Yeah. That's fine. Yeah. I'll I'll I'm not looking at it now, but I will look at look at that look at it after. Yep. Okay. K. Alright. So bottom bottom line with the changes, what am I I know it's hard because of market at the moment, but what what's the standard growth on a on a 12 monthly basis with the super base? Sort of I know it's hard to use to give me accurate. It's sort of ballpark area with all. Yep. Yeah. But yeah. I get yeah. I get that. I mean, markets tend to stabilize every every three to when I say every three to five years, the the the market tend to go through dips like this every three to five years, then stabilize with good growth. It's like a systematic readjustment. It's like he's he's done he's done his war to readjust the stock market. Yes. No. Yeah. Yeah. Yes. Not. No. If if that can be if if that can be an average, a five year average of twelve twelve to 13%, I I'd be happy. I'm happy with that. I mean yep. No. That's fine. At at the moment, I'm extremely happy. So I I I can't I can't I can't I can't complain what you've explained to me. So when when I'm when when I get the chance, I will read through it and and go through it in-depth. But at the moment, no. I'm I'm comfortable with where what you what you're planning to do, so that's good. Yeah. When I say the 95, I mean, that's currently my gross income. So by the time you take the tax component out of it, that brings it down to 7 anyway. So we're so we're not far off the mark. So by by being able to get part pension draw super, I mean, who knows what what cost of living is gonna be like in another ten ten years or so. But at the at the moment at the moment, we're we're pretty okay. So I'm not stressing too much about that at the moment. More getting more more getting more super balance up where I've got that buffer not to stress about it too much. Six monthly is fine at this stage. Just to you know, a six monthly review and update. I mean, I check my balances. I don't I'm not really just where I check it weekly, but I I must you know, I haven't checked it since I last spoken to you. So that's purely because I'm on holidays and that too. So I've stayed away from my laptop and opening up my my laptop to check emails and stuff. So I'd probably check my super monthly. So if I see a significant downturn, I'll I'll get in contact and go, what's going on? But, generally, if it if it stays roughly where it is at the moment, what is my hub balance at the moment? Yes. Yep. Well, considering I hadn't heard I hadn't heard from anybody for for eighteen months, and I've had four phone calls and and stuff in the last six weeks. So I think I think, yeah, that you're gonna be on top of things looking after me. So yep. Not that far. K. So it's it's dropped the vent 12 by 12. Yeah. I've dropped about 15 a since the start of the year. Yep. No worries. That's fine. No. It is I have got hers nonbinding. Yep. Oh, hang on. No. I'm pretty sure they're both binding. Which binding what's the difference between the two? Yeah. No. I've done it. I've done no. I've done it I've done it in binding for both. I'm pretty sure it's non latencies. Sync. I'll double I can double I'll double check that for you. I'm pretty sure they buy it from non lap sync. Yeah. Yep. Yeah. Now I'm pretty I'm pretty I'm pretty sure they're both I I I know Hubs is non latching. Correct? Yeah. I'm pretty sure they're both the same. And I've done that I did that because of the paperwork in that too, and I'm going, well, I've done it. I don't wanna have to keep filling it out every three to five years. Yeah. But and in in in and in the event that something changes, then we make the changes accordingly. So that's fine. Yeah. No. No. That should be fine. So I guess once I sign the document that gives you the permission to make the changes that we've just discussed. Yep. Yes. Yep. That's fine. Not a problem. I'll I'll get that done today before you go on live, so that's fine. No. That's fine. No. Thank you, Dana. I appreciate the work you you and your team have gone through for me, sir. That's great. Thank you. Thank you. 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Darren speaking. Hey. Good. How are you?\n\nYeah. Yeah. They're on my phone. I'll have to be on on speaker. Hang on.\n\nGive me give me a sec. Yes. That's all. Darren Edwards or Darren Anthony Edwards. First of birth 07/01 6 Mayberry Way, Werribee.\n\nYep. I've got it. Yep. Yeah. I'm I'm yeah.\n\nI'm scrolling through it now, so I'll have a quick sticky back. Yes. That's four. Yep. Okay.\n\nOkay. No worries. Yep. Yes. Okay.\n\nYes. No. That's that's fair enough. I'd rather keep that then. Sure, Val.\n\nThat's fine. Yeah. That's fine. So is it is it still worth keeping the income protection as well? Next time.\n\nYep. Yeah. That's fine. No. That's cool.\n\nThat's what my fees are paying you paying you to do. Looking to be. No. That's fine. Yeah.\n\nThat's fine. Yeah. I'll I'll I'm not looking at it now, but I will look at look at that look at it after. Yep. Okay.\n\nK. Alright. So bottom bottom line with the changes, what am I I know it's hard because of market at the moment, but what what's the standard growth on a on a 12 monthly basis with the super base? Sort of I know it's hard to use to give me accurate. It's sort of ballpark area with all.\n\nYep. Yeah. But yeah. I get yeah. I get that.\n\nI mean, markets tend to stabilize every every three to when I say every three to five years, the the the market tend to go through dips like this every three to five years, then stabilize with good growth. It's like a systematic readjustment. It's like he's he's done he's done his war to readjust the stock market. Yes. No.\n\nYeah. Yeah. Yes. Not. No.\n\nIf if that can be if if that can be an average, a five year average of twelve twelve to 13%, I I'd be happy. I'm happy with that. I mean yep. No. That's fine.\n\nAt at the moment, I'm extremely happy. So I I I can't I can't I can't I can't complain what you've explained to me. So when when I'm when when I get the chance, I will read through it and and go through it in-depth. But at the moment, no. I'm I'm comfortable with where what you what you're planning to do, so that's good.\n\nYeah. When I say the 95, I mean, that's currently my gross income. So by the time you take the tax component out of it, that brings it down to 7 anyway. So we're so we're not far off the mark. So by by being able to get part pension draw super, I mean, who knows what what cost of living is gonna be like in another ten ten years or so.\n\nBut at the at the moment at the moment, we're we're pretty okay. So I'm not stressing too much about that at the moment. More getting more more getting more super balance up where I've got that buffer not to stress about it too much. Six monthly is fine at this stage. Just to you know, a six monthly review and update.\n\nI mean, I check my balances. I don't I'm not really just where I check it weekly, but I I must you know, I haven't checked it since I last spoken to you. So that's purely because I'm on holidays and that too. So I've stayed away from my laptop and opening up my my laptop to check emails and stuff. So I'd probably check my super monthly.\n\nSo if I see a significant downturn, I'll I'll get in contact and go, what's going on? But, generally, if it if it stays roughly where it is at the moment, what is my hub balance at the moment? Yes. Yep. Well, considering I hadn't heard I hadn't heard from anybody for for eighteen months, and I've had four phone calls and and stuff in the last six weeks.\n\nSo I think I think, yeah, that you're gonna be on top of things looking after me. So yep. Not that far. K. So it's it's dropped the vent 12 by 12.\n\nYeah. I've dropped about 15 a since the start of the year. Yep. No worries. That's fine.\n\nNo. It is I have got hers nonbinding. Yep. Oh, hang on. No.\n\nI'm pretty sure they're both binding. Which binding what's the difference between the two? Yeah. No. I've done it.\n\nI've done no. I've done it I've done it in binding for both. I'm pretty sure it's non latencies. Sync. I'll double I can double I'll double check that for you.\n\nI'm pretty sure they buy it from non lap sync. Yeah. Yep. Yeah. Now I'm pretty I'm pretty I'm pretty sure they're both I I I know Hubs is non latching.\n\nCorrect? Yeah. I'm pretty sure they're both the same. And I've done that I did that because of the paperwork in that too, and I'm going, well, I've done it. I don't wanna have to keep filling it out every three to five years.\n\nYeah. But and in in in and in the event that something changes, then we make the changes accordingly. So that's fine. Yeah. No.\n\nNo. That should be fine. So I guess once I sign the document that gives you the permission to make the changes that we've just discussed. Yep. Yes.\n\nYep. That's fine. Not a problem. I'll I'll get that done today before you go on live, so that's fine. No.\n\nThat's fine. No. Thank you, Dana. I appreciate the work you you and your team have gone through for me, sir. That's great.\n\nThank you. Thank you. 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then.","start":339.645,"end":341.185,"sentiment":"neutral","sentiment_score":-0.07261743620038033},{"text":"Sure, Val.","start":430.47498,"end":430.875,"sentiment":"neutral","sentiment_score":0.1857576221227646}],"sentiment":"neutral","sentiment_score":-0.04627056806706465,"num_words":13,"start":333.00497,"end":430.875},{"sentences":[{"text":"That's fine.","start":430.875,"end":431.775,"sentiment":"positive","sentiment_score":0.34753990173339844},{"text":"Yeah.","start":483.13,"end":483.37,"sentiment":"neutral","sentiment_score":0.08325786143541336},{"text":"That's fine.","start":483.37,"end":484.01,"sentiment":"neutral","sentiment_score":0.17344301193952563},{"text":"So is it is it still worth keeping the income protection as well?","start":484.01,"end":488.23502,"sentiment":"neutral","sentiment_score":0.10200228885962413},{"text":"Next time.","start":507.11,"end":507.66998,"sentiment":"neutral","sentiment_score":0.015929775312542915}],"sentiment":"neutral","sentiment_score":0.12415564972907304,"num_words":20,"start":430.875,"end":507.66998},{"sentences":[{"text":"Yep.","start":507.66998,"end":508.16998,"sentiment":"neutral","sentiment_score":0.11642336845397948},{"text":"Yeah.","start":566.825,"end":567.325,"sentiment":"neutral","sentiment_score":-0.2196439504623413},{"text":"That's fine.","start":570.10504,"end":570.84503,"sentiment":"neutral","sentiment_score":-0.02327729295939207},{"text":"No.","start":572.34,"end":572.58,"sentiment":"neutral","sentiment_score":0.02270606905221939},{"text":"That's cool.","start":572.58,"end":573.30005,"sentiment":"neutral","sentiment_score":0.24651595205068588}],"sentiment":"neutral","sentiment_score":0.05228040074663503,"num_words":7,"start":507.66998,"end":573.30005},{"sentences":[{"text":"That's what my fees are paying you paying you to do.","start":573.30005,"end":575.78,"sentiment":"neutral","sentiment_score":0.06386326490478082},{"text":"Looking to be.","start":575.78,"end":576.76,"sentiment":"neutral","sentiment_score":0.11924979835748672},{"text":"No.","start":589.795,"end":589.95496,"sentiment":"neutral","sentiment_score":-0.06900431960821152},{"text":"That's fine.","start":589.95496,"end":590.435,"sentiment":"neutral","sentiment_score":0.01598482485860586},{"text":"Yeah.","start":590.435,"end":590.675,"sentiment":"neutral","sentiment_score":0.1124788299202919}],"sentiment":"neutral","sentiment_score":0.06309385939190786,"num_words":18,"start":573.30005,"end":590.675},{"sentences":[{"text":"That's fine.","start":590.675,"end":591.415,"sentiment":"neutral","sentiment_score":0.2331780269742012},{"text":"Yeah.","start":632.32,"end":632.685,"sentiment":"neutral","sentiment_score":0.04209023341536522},{"text":"I'll I'll I'm not looking at it now, but I will look at look at that look at it after.","start":633.565,"end":638.045,"sentiment":"neutral","sentiment_score":0.018575583957135676},{"text":"Yep.","start":638.045,"end":638.545,"sentiment":"neutral","sentiment_score":0.09562733769416808},{"text":"Okay.","start":745.0,"end":745.5,"sentiment":"neutral","sentiment_score":0.12751106917858124}],"sentiment":"neutral","sentiment_score":0.04412385493516922,"num_words":25,"start":590.675,"end":745.5},{"sentences":[{"text":"K.","start":795.76495,"end":796.23,"sentiment":"neutral","sentiment_score":0.062114469707012177},{"text":"Alright.","start":841.715,"end":842.11505,"sentiment":"neutral","sentiment_score":0.05098596215248108},{"text":"So bottom bottom line with the changes, what am I I know it's hard because of market at the moment, but what what's the standard growth on a on a 12 monthly basis with the super base?","start":842.11505,"end":858.285,"sentiment":"neutral","sentiment_score":-0.03329969217648377},{"text":"Sort of I know it's hard to use to give me accurate.","start":858.365,"end":861.725,"sentiment":"neutral","sentiment_score":-0.10156732145696878},{"text":"It's sort of ballpark area with all.","start":861.725,"end":864.46497,"sentiment":"neutral","sentiment_score":-0.020760091287749156}],"sentiment":"neutral","sentiment_score":-0.04281235646841855,"num_words":58,"start":795.76495,"end":864.46497},{"sentences":[{"text":"Yep.","start":895.915,"end":896.22,"sentiment":"neutral","sentiment_score":-0.12501397728919983},{"text":"Yeah.","start":903.1,"end":903.6,"sentiment":"neutral","sentiment_score":-0.009263483807444572},{"text":"But yeah.","start":904.77997,"end":905.26,"sentiment":"neutral","sentiment_score":-0.04573441110551357},{"text":"I get yeah.","start":905.26,"end":905.89996,"sentiment":"neutral","sentiment_score":-0.0202551760400335},{"text":"I get that.","start":905.89996,"end":906.37994,"sentiment":"neutral","sentiment_score":0.02660641446709633}],"sentiment":"neutral","sentiment_score":-0.020669256802648306,"num_words":10,"start":895.915,"end":906.37994},{"sentences":[{"text":"I mean, markets tend to stabilize every every three to when I say every three to five years, the the the market tend to go through dips like this every three to five years, then stabilize with good growth.","start":906.37994,"end":917.875,"sentiment":"neutral","sentiment_score":0.044168792330683805},{"text":"It's like a systematic readjustment.","start":919.615,"end":921.395,"sentiment":"neutral","sentiment_score":0.16284342110157013},{"text":"It's like he's he's done he's done his war to readjust the stock market.","start":921.535,"end":925.44995,"sentiment":"neutral","sentiment_score":0.06184110178479126},{"text":"Yes.","start":943.605,"end":944.105,"sentiment":"neutral","sentiment_score":-0.13145865499973297},{"text":"No.","start":947.445,"end":947.82,"sentiment":"neutral","sentiment_score":-0.16518178582191467}],"sentiment":"neutral","sentiment_score":0.05176558317616582,"num_words":60,"start":906.37994,"end":947.82},{"sentences":[{"text":"Yeah.","start":959.34,"end":959.835,"sentiment":"neutral","sentiment_score":0.0033420883119106293},{"text":"Yeah.","start":966.79504,"end":967.29504,"sentiment":"neutral","sentiment_score":0.011667020618915558},{"text":"Yes.","start":991.225,"end":991.725,"sentiment":"positive","sentiment_score":0.4375028312206268},{"text":"Not.","start":1041.5149,"end":1042.0149,"sentiment":"neutral","sentiment_score":-0.0005759764462709427},{"text":"No.","start":1053.2899,"end":1053.77,"sentiment":"neutral","sentiment_score":-0.04805929213762283}],"sentiment":"neutral","sentiment_score":0.08077533431351183,"num_words":5,"start":959.34,"end":1053.77},{"sentences":[{"text":"If if that can be if if that can be an average, a five year average of twelve twelve to 13%, I I'd be happy.","start":1053.77,"end":1062.505,"sentiment":"neutral","sentiment_score":0.08352366521954536},{"text":"I'm happy with that.","start":1062.505,"end":1063.725,"sentiment":"positive","sentiment_score":0.6224028915166855},{"text":"I mean yep.","start":1064.345,"end":1071.725,"sentiment":"neutral","sentiment_score":0.193923839678367},{"text":"No.","start":1075.35,"end":1075.59,"sentiment":"neutral","sentiment_score":-0.041710857301950455},{"text":"That's fine.","start":1075.59,"end":1077.75,"sentiment":"neutral","sentiment_score":0.07741320505738258}],"sentiment":"neutral","sentiment_score":0.15064543624009405,"num_words":35,"start":1053.77,"end":1077.75},{"sentences":[{"text":"At at the moment, I'm extremely happy.","start":1077.75,"end":1079.83,"sentiment":"positive","sentiment_score":0.3981137658868517},{"text":"So I I I can't I can't I can't I can't complain what you've explained to me.","start":1079.83,"end":1084.71,"sentiment":"neutral","sentiment_score":-0.055825764203772825},{"text":"So when when I'm when when I get the chance, I will read through it and and go through it in-depth.","start":1084.71,"end":1093.405,"sentiment":"neutral","sentiment_score":0.09369558699074246},{"text":"But at the moment, no.","start":1093.465,"end":1094.665,"sentiment":"neutral","sentiment_score":0.05184887200593948},{"text":"I'm I'm comfortable with where what you what you're planning to do, so that's good.","start":1094.665,"end":1098.81,"sentiment":"neutral","sentiment_score":0.2712535525361697}],"sentiment":"neutral","sentiment_score":0.12512943607110244,"num_words":65,"start":1077.75,"end":1098.81},{"sentences":[{"text":"Yeah.","start":1170.805,"end":1171.305,"sentiment":"neutral","sentiment_score":0.03430527448654175},{"text":"When I say the 95, I mean, that's currently my gross income.","start":1171.925,"end":1176.18,"sentiment":"neutral","sentiment_score":0.008570496536170443},{"text":"So by the time you take the tax component out of it, that brings it down to 7 anyway.","start":1176.3601,"end":1181.4601,"sentiment":"neutral","sentiment_score":0.03566853045240829},{"text":"So we're so we're not far off the mark.","start":1181.6,"end":1185.04,"sentiment":"neutral","sentiment_score":-0.0147579200565815},{"text":"So by by being able to get part pension draw super, I mean, who knows what what cost of living is gonna be like in another ten ten years or so.","start":1185.04,"end":1197.205,"sentiment":"neutral","sentiment_score":-0.011873905877432516}],"sentiment":"neutral","sentiment_score":0.004360290955648654,"num_words":72,"start":1170.805,"end":1197.205},{"sentences":[{"text":"But at the at the moment at the moment, we're we're pretty okay.","start":1197.205,"end":1201.605,"sentiment":"neutral","sentiment_score":-0.008023438258812977},{"text":"So I'm not stressing too much about that at the moment.","start":1201.605,"end":1204.87,"sentiment":"neutral","sentiment_score":-0.0037370744076642122},{"text":"More getting more more getting more super balance up where I've got that buffer not to stress about it too much.","start":1205.33,"end":1211.75,"sentiment":"neutral","sentiment_score":0.1979826587651457},{"text":"Six monthly is fine at this stage.","start":1227.1849,"end":1229.505,"sentiment":"neutral","sentiment_score":0.07365949345486504},{"text":"Just to you know, a six monthly review and update.","start":1229.505,"end":1234.08,"sentiment":"neutral","sentiment_score":0.051709093153476715}],"sentiment":"neutral","sentiment_score":0.08136985006351624,"num_words":62,"start":1197.205,"end":1234.08},{"sentences":[{"text":"I mean, I check my balances.","start":1234.08,"end":1235.5399,"sentiment":"neutral","sentiment_score":0.01460251227642099},{"text":"I don't I'm not really just where I check it weekly, but I I must you know, I haven't checked it since I last spoken to you.","start":1236.96,"end":1243.12,"sentiment":"neutral","sentiment_score":-0.05962268428670035},{"text":"So that's purely because I'm on holidays and that too.","start":1243.12,"end":1247.355,"sentiment":"neutral","sentiment_score":-0.14475115910172462},{"text":"So I've stayed away from my laptop and opening up my my laptop to check emails and stuff.","start":1247.355,"end":1251.995,"sentiment":"neutral","sentiment_score":-0.18365328593386543},{"text":"So I'd probably check my super monthly.","start":1251.995,"end":1256.795,"sentiment":"neutral","sentiment_score":-0.04800339389060225}],"sentiment":"neutral","sentiment_score":-0.09722782201681505,"num_words":68,"start":1234.08,"end":1256.795},{"sentences":[{"text":"So if I see a significant downturn, I'll I'll get in contact and go, what's going on?","start":1256.795,"end":1263.6901,"sentiment":"neutral","sentiment_score":-0.026008240330745194},{"text":"But, generally, if it if it stays roughly where it is at the moment, what is my hub balance at the moment?","start":1263.6901,"end":1270.11,"sentiment":"neutral","sentiment_score":0.0065902921963821755},{"text":"Yes.","start":1294.36,"end":1294.86,"sentiment":"neutral","sentiment_score":0.06912735849618912},{"text":"Yep.","start":1310.6151,"end":1310.91,"sentiment":"neutral","sentiment_score":0.031705908477306366},{"text":"Well, considering I hadn't heard I hadn't heard from anybody for for eighteen months, and I've had four phone calls and and stuff in the last six weeks.","start":1316.35,"end":1325.4349,"sentiment":"neutral","sentiment_score":-0.1611172499667321}],"sentiment":"neutral","sentiment_score":-0.06822613607822121,"num_words":69,"start":1256.795,"end":1325.4349},{"sentences":[{"text":"So I think I think, yeah, that you're gonna be on top of things looking after me.","start":1325.4349,"end":1328.715,"sentiment":"neutral","sentiment_score":0.06253411007278106},{"text":"So yep.","start":1328.715,"end":1340.31,"sentiment":"neutral","sentiment_score":0.17335757613182068},{"text":"Not that far.","start":1374.3,"end":1375.28,"sentiment":"neutral","sentiment_score":-0.17673061539729437},{"text":"K.","start":1389.355,"end":1389.855,"sentiment":"neutral","sentiment_score":-0.014233751222491264},{"text":"So it's it's dropped the vent 12 by 12.","start":1391.675,"end":1395.18,"sentiment":"neutral","sentiment_score":-0.08943058177828789}],"sentiment":"neutral","sentiment_score":0.001890443440061063,"num_words":32,"start":1325.4349,"end":1395.18},{"sentences":[{"text":"Yeah.","start":1433.9299,"end":1434.4299,"sentiment":"neutral","sentiment_score":-0.16207069158554077},{"text":"I've dropped about 15 a since the start of the year.","start":1435.7151,"end":1438.935,"sentiment":"neutral","sentiment_score":-0.32175305485725403},{"text":"Yep.","start":1445.9551,"end":1446.275,"sentiment":"neutral","sentiment_score":0.1335187554359436},{"text":"No worries.","start":1446.275,"end":1446.8351,"sentiment":"neutral","sentiment_score":0.18496207892894745},{"text":"That's fine.","start":1446.8351,"end":1447.56,"sentiment":"positive","sentiment_score":0.350383922457695}],"sentiment":"neutral","sentiment_score":-0.14689079628271215,"num_words":17,"start":1433.9299,"end":1447.56},{"sentences":[{"text":"No.","start":1471.81,"end":1472.31,"sentiment":"neutral","sentiment_score":-0.08452029526233673},{"text":"It is I have got hers nonbinding.","start":1472.85,"end":1475.1901,"sentiment":"neutral","sentiment_score":-0.02931991751704897},{"text":"Yep.","start":1480.05,"end":1480.55,"sentiment":"neutral","sentiment_score":-0.014857481233775616},{"text":"Oh, hang 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it.","start":1501.33,"end":1501.97,"sentiment":"neutral","sentiment_score":-0.054118877897659935}],"sentiment":"neutral","sentiment_score":-0.046853670605311266,"num_words":19,"start":1483.65,"end":1501.97},{"sentences":[{"text":"I've done no.","start":1501.97,"end":1502.5299,"sentiment":"neutral","sentiment_score":-0.047783354918162026},{"text":"I've done it I've done it in binding for both.","start":1502.5299,"end":1505.27,"sentiment":"neutral","sentiment_score":-0.034698447585105895},{"text":"I'm pretty sure it's non latencies.","start":1511.6499,"end":1513.35,"sentiment":"neutral","sentiment_score":-0.017002587129051488},{"text":"Sync.","start":1513.635,"end":1513.795,"sentiment":"neutral","sentiment_score":0.026002611964941025},{"text":"I'll double I can double I'll double check that for you.","start":1513.795,"end":1516.1951,"sentiment":"neutral","sentiment_score":0.14342968436804684}],"sentiment":"neutral","sentiment_score":0.032625131504309755,"num_words":31,"start":1501.97,"end":1516.1951},{"sentences":[{"text":"I'm pretty sure they buy it from non lap sync.","start":1516.1951,"end":1518.295,"sentiment":"neutral","sentiment_score":0.16972407400608064},{"text":"Yeah.","start":1538.05,"end":1538.325,"sentiment":"neutral","sentiment_score":-0.21512874960899353},{"text":"Yep.","start":1549.845,"end":1550.345,"sentiment":"neutral","sentiment_score":-0.14025843143463135},{"text":"Yeah.","start":1551.5249,"end":1552.0249,"sentiment":"neutral","sentiment_score":-0.0006306152790784836},{"text":"Now I'm pretty I'm pretty I'm pretty sure they're both I I I know Hubs is non 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years.","start":1564.7999,"end":1567.725,"sentiment":"neutral","sentiment_score":-0.12834385835698672}],"sentiment":"neutral","sentiment_score":-0.01760249202859334,"num_words":44,"start":1556.88,"end":1567.725},{"sentences":[{"text":"Yeah.","start":1592.92,"end":1593.16,"sentiment":"neutral","sentiment_score":0.09692486375570296},{"text":"But and in in in and in the event that something changes, then we make the changes accordingly.","start":1593.16,"end":1598.015,"sentiment":"neutral","sentiment_score":0.11397939754856957},{"text":"So that's fine.","start":1598.235,"end":1599.135,"sentiment":"neutral","sentiment_score":0.1821390837430954},{"text":"Yeah.","start":1626.29,"end":1626.645,"sentiment":"neutral","sentiment_score":0.2830195426940918},{"text":"No.","start":1658.5951,"end":1659.0951,"sentiment":"neutral","sentiment_score":-0.1038995161652565}],"sentiment":"neutral","sentiment_score":0.11975380405783653,"num_words":24,"start":1592.92,"end":1659.0951},{"sentences":[{"text":"No.","start":1659.3151,"end":1659.555,"sentiment":"neutral","sentiment_score":-0.09518907219171524},{"text":"That should be fine.","start":1659.555,"end":1660.535,"sentiment":"neutral","sentiment_score":0.017746184952557087},{"text":"So I guess once I sign the document that gives you the permission to make the changes that we've just discussed.","start":1660.5951,"end":1666.7999,"sentiment":"neutral","sentiment_score":0.054112636617251804},{"text":"Yep.","start":1666.7999,"end":1667.2999,"sentiment":"neutral","sentiment_score":0.14980827271938324},{"text":"Yes.","start":1690.655,"end":1691.155,"sentiment":"neutral","sentiment_score":0.06165072321891785}],"sentiment":"neutral","sentiment_score":0.04727214401853936,"num_words":28,"start":1659.3151,"end":1691.155},{"sentences":[{"text":"Yep.","start":1697.9501,"end":1698.35,"sentiment":"neutral","sentiment_score":0.1063249409198761},{"text":"That's fine.","start":1698.35,"end":1699.25,"sentiment":"neutral","sentiment_score":0.18010053038597107},{"text":"Not a problem.","start":1700.1901,"end":1700.99,"sentiment":"neutral","sentiment_score":0.28985727826754254},{"text":"I'll I'll get that done today before you go on live, so that's fine.","start":1700.99,"end":1704.53,"sentiment":"neutral","sentiment_score":0.1868606215076787},{"text":"No.","start":1725.62,"end":1725.86,"sentiment":"neutral","sentiment_score":-0.0998723804950714}],"sentiment":"neutral","sentiment_score":0.18344162652889887,"num_words":21,"start":1697.9501,"end":1725.86},{"sentences":[{"text":"That's fine.","start":1725.86,"end":1726.68,"sentiment":"neutral","sentiment_score":0.10669824481010437},{"text":"No.","start":1733.185,"end":1733.425,"sentiment":"neutral","sentiment_score":0.17481637001037598},{"text":"Thank you, Dana.","start":1733.425,"end":1734.025,"sentiment":"positive","sentiment_score":0.5888694922129313},{"text":"I appreciate the work you you and your team have gone through for me, sir.","start":1734.025,"end":1737.265,"sentiment":"positive","sentiment_score":0.76592485109965},{"text":"That's great.","start":1737.265,"end":1737.8251,"sentiment":"positive","sentiment_score":0.836782842874527}],"sentiment":"positive","sentiment_score":0.6659678168918776,"num_words":23,"start":1725.86,"end":1737.8251},{"sentences":[{"text":"Thank you.","start":1737.8251,"end":1738.485,"sentiment":"positive","sentiment_score":0.7018802762031555},{"text":"Thank you.","start":1742.545,"end":1743.4451,"sentiment":"positive","sentiment_score":0.6536883413791656},{"text":"Bye bye.","start":1745.905,"end":1746.645,"sentiment":"neutral","sentiment_score":0.014728829264640801}],"sentiment":"positive","sentiment_score":0.456765815615654,"num_words":6,"start":1737.8251,"end":1746.645}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Morning. Darren speaking.\n\nChannel 0: Hi, Darren. It's Dana from OQ Financial. How are you this morning?\n\nChannel 1: Hey. Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to run through your updated advice piece. Is now a good time there for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Do you happen to have access to your emails there as well? If you don't, that's okay. Don't worry.\n\nChannel 1: Yeah. They're on my phone. I'll have to\n\nChannel 0: Yep.\n\nChannel 1: be on on speaker.\n\nChannel 0: That's okay. If you're somewhere secure because we are discussing your personal information, it's absolutely fine. If not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself. It's completely up to you.\n\nChannel 1: Hang on. Give me give me a sec.\n\nChannel 0: Yeah. You're right. Excellent. I'm I'm sending the email through to you now as well. That way, it's on its way to you.\n\nIt's got the advice document attached there. Just while that is coming through, Darren, I do have to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. That's\n\nChannel 0: Yep.\n\nChannel 1: all.\n\nChannel 0: Lovely. Excellent. And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file for you.\n\nChannel 1: Darren Edwards or Darren Anthony Edwards. First of birth\n\nChannel 0: Yep.\n\nChannel 1: 07/01\n\nChannel 0: Yep.\n\nChannel 1: 6 Mayberry Way, Werribee.\n\nChannel 0: Beautiful. Thank you so much for that. That email popped through there yet.\n\nChannel 1: Yep. I've got it. Yep.\n\nChannel 0: Yep. Beautiful. So when you open that one up there, you'll see it does have a little button that says sign. You do need to click on that to be able to move forward. However, it just lets you scroll up and down to the documents, so you don't actually have to sign it.\n\nYou're welcome to take it back and have a read through it prior to taking on any of the recommendations. Okay?\n\nChannel 1: Yeah. I'm I'm yeah. I'm scrolling through it now, so I'll have a\n\nChannel 0: Yep.\n\nChannel 1: quick sticky back.\n\nChannel 0: Yeah. That's okay. Not a problem at all. I'll run through the things that I need to. Feel free to let me know if you do happen to have any questions.\n\nI'll try to keep it nice and brief for you, and then you're able to go back and have a really good read of it. Okay?\n\nChannel 1: Yes. That's four.\n\nChannel 0: Perfect. Now, Darren, the advice has been provided for yourself as of the 03/30/2026 when we completed the document. Our documents do stay valid for sixty days. On the bottom there, it does note my authorized representative number. I'm registered through Aspik as a registered financial adviser, and my number is 1304394.\n\nThis document was updating your circumstances by looking at areas of superannuation as you're hoping to be able to retire by the age of 67, hoping to draw an income of about 95,000 per year in retirement at the moment. We also looked at the personal insurance aspect. You've got your life, your safety, income protection now. You want us to see if we could get something different for you. You were aiming to have between 350 to 400,000 of life and CBD cover and TBD if you are unable to work or passing away to protect your family.\n\nWe've also looked at the estate planning side of things to make sure that your beneficiary nominations are in line with your goals, And we've also, on a limited basis, scoping the Social Security side of things and retirement planning. So whilst we're not quite there yet, you've got a bit of time ahead of you still. We've scoped that into a limited base to show you the projected outcome based on the recommendations we're making currently. And this is fluid, so we'll keep updating the recommendations as we need to as your life changes as we are working towards the goal long term. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Areas that we've not considered. So we're not providing any cash flow or savings advice at the moment. However, down the track, if you need additional advice in these sorts of areas, you're welcome to let me know. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Now as you are running through the document, you've got the about you and your assets and liabilities. This has all been updated since our last conversation. Now when you do review that one, if you do find there are any updates that needs to be made to those, please let me know. I'm more than happy to do so.\n\nOkay.\n\nChannel 1: Okay. No worries. Yep.\n\nChannel 0: Excellent. Now with the recommendations, firstly, the super. So I am recommending that we do retain both your hub 20 four and your care super. I've got the appendix, and I'll show you in the appendix when you're looking at it essentially the outcome there. I had a look at the insurance side of things really deeply.\n\nSo we did do that pre and\n\nChannel 1: Yes.\n\nChannel 0: we went back to the insurers and looked at the outcome there. Unfortunately, because of your health history, disability cover was gonna have three easy exclusions, which meant you weren't gonna be able to claim on any of the policies for any of your preexisting medical conditions, which basically meant you were gonna be it's gonna be very hard to claim on any disability policies even if they offered them. Generally,\n\nChannel 1: Okay.\n\nChannel 0: when an insurer has three exclusions on a disability cover, it's a straight decline. So if they were willing to offer cover with those exclusions, it would make it very, very hard to claim and very expensive to to have. Otherwise, a lot of them came back and said there would be a straight decline for you. So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper. You currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment.\n\nSo I would be very unsure about replacing a policy that you can hardly claim on for a\n\nChannel 1: Yes.\n\nChannel 0: policy that would have a lot more restrictions around claiming and be more expensive for doing so.\n\nChannel 1: No.\n\nChannel 0: Okay?\n\nChannel 1: That's that's fair enough. I'd rather keep that then.\n\nChannel 0: Absolutely. It's good that we've gone back and we've had a really good look so we understand where things are at for you, and we have a bit of a starting point moving forward as well. So it is about retaining both of those funds at the moment. We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa. So every year, we do the reviews with you.\n\nWe're gonna go over and roll everything bar 15,000. I'm keeping 15,000 in CareSoupa Slaver because it's a minimum of 10,000 to make sure we're hitting the minimum threshold. We're accounting for volatility in the market, but then also on top of that leaving enough reinsurance premiums there. So it's giving you a buffer in case of market downturns, which with the volatility we are seeing is a possibility there. So you'll keep both those funds, keep your contributions going into CareSuper there for me.\n\nWe'll make sure a new TPA is applied to the policy. It does look the TPA has lapsed with them. So I'll go back and add a new authority onto the policy. I'll look after both of those accounts for you. We do wanna retain 15,000 in CareSlooper.\n\nAnd then when we do reviews with you, everything over that 15,000 will be rolled into hub twenty four. We can do it on a yearly basis. We can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover. So when we do the catch ups with you, we'll make sure we call carefully if we get a balance from them, and then we could decide whether we dollar cost average enroll money over on a regular basis or whether we do it once a year depending on your circumstances at the time. Does that make sense so far?\n\nChannel 1: Sure, Val. That's fine.\n\nChannel 0: Beautiful. I did also, as an alternative, consider transfer terms. So canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four. Transfer terms is basically transferring the same level of cover. However, the risk factor is slightly different.\n\nAnd the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover. And hub twenty four do have on those transfer terms exclusion period where preexisting conditions can't be claimed for a certain period of time. So, I determined with the increase in cost for the same level of cover and having an exclusion period on preexisting conditions, it was better for you to retain CareSuper and have twenty four as two separate funds, and we monitor everything for you the way it is. Okay?\n\nChannel 1: Yeah. That's fine. So\n\nChannel 0: Yep.\n\nChannel 1: is it is it still worth keeping the income protection as well?\n\nChannel 0: It is because I also looked at canceling that, and I don't know how CareSuper do this, but we did a quote with CareSuper to see if canceling the income protection was gonna make the policy cheaper for you, and it unfortunately increased the cost of it. So because they bundle a life TBD and income protection, I think you're getting a bit of a multi policy discount in\n\nChannel 1: Next time.\n\nChannel 0: with\n\nChannel 1: Yep.\n\nChannel 0: inside there. It actually increased the policy quite significantly, and we've added all those quotes into the appendix so you can see them. But it actually worked out in your benefit whilst the income protection's just under the 70% there. It is giving you a little bit of an additional buffer in the event you had the claim, and it's actually keeping the policy slightly cheaper for you, which is gonna give you a greater benefit long term. So I'm gonna recommend you keep all three of those policies as they are, just until you don't need them anymore at a point where your super balance is good, you've got no debt, you're comfortable with not having any life saving your income protections, then we can look to consolidate and But that comes down to when it's comfortable for you to do so.\n\nIf we get to 60 and then we decide you no longer need them anymore, that's absolutely okay. But we'll just keep monitoring things with you long term. But it all came down to what you have, what you needed, but also what was cost effective. And, unfortunately, when we get into our fifties, things do become a lot more expensive. The risk of us claiming increases, so\n\nChannel 1: Yeah.\n\nChannel 0: we are seen as very high risk, unfortunately. So I've I've\n\nChannel 1: That's\n\nChannel 0: got all\n\nChannel 1: fine.\n\nChannel 0: those in the appendix. All good.\n\nChannel 1: No. That's cool. That's what my fees are paying you paying you to do. Looking to be.\n\nChannel 0: Absolutely. It is. It is. And that's why I put them in the appendix. So when you are looking at that document, you can go through and have a look at the difference in quotes.\n\nI've got the different projection tables in there to show you the outcome and why we've gone the way we have with this one. Okay?\n\nChannel 1: No. That's fine. Yeah. That's fine.\n\nChannel 0: Excellent. Now with your hub 24, I'm not changing any of the investments within your care, Sue, but everything there looks to be fine at the moment. We would be rolling because you've got a bit over 21,000 in there at the moment, rolling about 6,453 from CareSoup in the hub 24. I am looking to change some of the investments. So we did note when we spoke last time, some of the investments have been underperforming there.\n\nSo what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you. If you're looking at the document, if you wanna look at page number twenty five and twenty six, this shows you the changes I'll be making with the investments for you.\n\nChannel 1: Yeah. I'll I'll\n\nChannel 0: Perfect.\n\nChannel 1: I'm not looking at it now, but I will look at look at that\n\nChannel 0: Yeah.\n\nChannel 1: look at it\n\nChannel 0: That's\n\nChannel 1: after. Yep.\n\nChannel 0: that's okay. That's not a problem at all. Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech. It has been very volatile. It is still a good investment to have.\n\nHowever, this newer portfolio is cheaper and has been working much better. So removing all of the battery and lithium tech, removing all of the agriculture in the investment portfolio, we're keeping some cybersecurity and just topping that up a little bit. We're still gonna keep exposure sorry. We're getting bit of exposure into Asia and keeping exposure into Europe and topping that up a little bit for you. We are keeping the exposure into the S and P 500, the top 500 companies in The US, and just topping that up a little bit there as well.\n\nWe'll be getting rid of the Global Healthcare, getting rid of the Vanguard diversified index, and getting rid of the Vanna Long Australian equities, which has been severely underperforming for you in your portfolio. And we're gonna increase exposure and add in exposure to Japan. We're gonna keep the diversification by making sure you've got global access and putting you into the Vanguard all world ex US. So that's giving you access to well established countries, all countries except for The US, essentially, so giving you diversified worldwide exposure into all the different industries there. It's into a well established industries and companies and established markets as well as some up and coming as well.\n\nSo we're giving you a little bit of exposure into what has already been established, but also up and coming areas and changes that we see. The Vanguard all wealth all world index tracks the all world basically, the entire market by The US. So it's about making sure you've got diversification, but also investments that have a good track record, and that have performed really well in the past. And this one has done really, really well. It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: With removing the Vanguard Australian Equities, we're putting the money into the a 200, the Australian 200. So it's still giving you access to Australian equities. It's tracking the top 200 companies on the ASX. And the good thing about this investment is it's cheaper than the the than a long Australian equities, but it's also making sure you always invest in the top 200 companies. One of the things with this newer portfolio is that it's not sort of more actively managed.\n\nIt's more of a passively managed portfolio. It's these investments attracting a certain industry, which is great. That tends to keep it a lot more cheaper for you. You're not paying for high end investment managers who are trying to outperform the market and taking more risk in the back end of the market. We're tracking indices, and we're sitting in investments that have seen a greater track record that have shown that they can perform and have withstood market volatility in the past, which is important as well.\n\nOkay?\n\nChannel 1: K.\n\nChannel 0: The a 200 gives you access to the top 200 companies on the ASF and tracks the top 200 companies there. So one of the benefits of the a 200, and you get this benefit with the S and P as well, is that the industry the the investment committee for the industry, sorry, meet every quarter. So where a company no longer meets the criteria to be in the top 200 of Australian on the ASEC or the S and P 500, they are removed from that industry, in which case they're removed out of these investments as well. So you are always tracking the top con the top companies on the S and P and in the a 200 and not having to sit with underperforming investments. It's also cheaper and taking a lot more lower risk, which is really important for you as well.\n\nOkay?\n\nChannel 1: Alright. So\n\nChannel 0: Yes.\n\nChannel 1: bottom bottom line with the changes,\n\nChannel 0: Yep.\n\nChannel 1: what am I I know it's hard because of market at the moment, but\n\nChannel 0: Yeah.\n\nChannel 1: what what's the standard growth on a on a 12 monthly basis with the super base? Sort of I know it's hard to use to give me accurate. It's sort\n\nChannel 0: No.\n\nChannel 1: of ballpark\n\nChannel 0: Yeah.\n\nChannel 1: area\n\nChannel 0: Absolutely.\n\nChannel 1: with all.\n\nChannel 0: So we are moving you down into more that growth environment, which is taking a bit more low risk. And the expectation of what we're looking for, we're hoping for out of a growth portfolio between seven to 9% on a yearly basis. If you can get that, you know, moving forward, you'll be pretty well working on track for that portfolio, which is great. We know some years you're gonna get greater returns. We've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic.\n\nAnd with the volatility we are seeing this year, I would expect we might see a little bit lower of returns. So\n\nChannel 1: Yep.\n\nChannel 0: something under seven percent, but that's because there's a lot of uncertainty and a lot of movement in the market at the moment. But what we wanna\n\nChannel 1: Yeah.\n\nChannel 0: do is make these yeah.\n\nChannel 1: But\n\nChannel 0: Sorry.\n\nChannel 1: yeah. I get yeah. I get that. I mean, markets tend to stabilize every every three to when I say every three to five\n\nChannel 0: Yeah.\n\nChannel 1: years, the the the\n\nChannel 0: Yeah.\n\nChannel 1: market tend to go through dips like this every three to five years, then stabilize\n\nChannel 0: Absolutely.\n\nChannel 1: with good growth.\n\nChannel 0: Absolutely.\n\nChannel 1: It's\n\nChannel 0: Yeah.\n\nChannel 1: like a systematic readjustment. It's like he's he's\n\nChannel 0: Yep.\n\nChannel 1: done he's done his war to readjust the stock market.\n\nChannel 0: Absolutely. This it was very overvalued, and it still technically is because the pullback hasn't been that much. I had a look when I was looking at the all odds with the all odds, and it's essentially giving you a combination of the entire market. And when I looked at the other day, over the last few months, it was down by about 7% as\n\nChannel 1: Yes.\n\nChannel 0: a total. That's not a huge increase. Sorry. That's not a massive pullback when\n\nChannel 1: No.\n\nChannel 0: you consider. Over the last sort of three to four years, we've actually seen a good 20 or 30% return of the market as a whole. So it's just a slight pullback. It's not a depression or anything crazy. It's seen as a bit more of a correction.\n\nChannel 1: Yeah.\n\nChannel 0: It is gonna come back, and these investments we're putting you in have been through COVID times. They've been through the DFC. They've seen\n\nChannel 1: Yeah.\n\nChannel 0: very large market dips and then come back and recovered. So and that's what's really important to me, making sure that you're in something passive that's lower in phase. The portfolio the investment fees, if you when you're looking at the table there on page number 29, it actually shows you by making these changes here, you're actually gonna save for the first year about $715 in investment fees. That's a pretty big saving on investment fees,\n\nChannel 1: Yes.\n\nChannel 0: making sure that more money is invested for you working harder. And the CGT, because they're no longer been underperforming, the CGT consequences for making these changes, it's about a $159. So not a bad CGT consequence. We're retaining as much as we possibly can and making sure that you're in a low cost, well performing portfolio. We are reducing the risk of it.\n\nAlso, we're moving you out of the high growth environment into the growth environment. You're reducing your risk in the market by about 10%, which is good. It is time to start sort of pulling back a little bit, especially in these volatile times. And the portfolio that we have looked at, we've looked at a five year rolling average to show what it has averaged over the past five years, but the the portfolio we're moving into has averaged about 12.6%. So it's not by any means saying that you're gonna get that every year.\n\nChannel 1: Not.\n\nChannel 0: It's saying this is what it has averaged when we look at it over the past five years. So it has averaged a greater level of return, hoping to lower the risk level for you and reduce the overall fees as well. Okay?\n\nChannel 1: No. If if that can be if if that can be an average, a five\n\nChannel 0: Yep.\n\nChannel 1: year average of twelve twelve to 13%,\n\nChannel 0: That's pretty\n\nChannel 1: I\n\nChannel 0: good.\n\nChannel 1: I'd be happy. I'm happy with that.\n\nChannel 0: Absolutely.\n\nChannel 1: I mean\n\nChannel 0: And we'll make sure that we're updating things with you and checking in to see how things are going. And you've got my email here as well. So if you can send about\n\nChannel 1: yep.\n\nChannel 0: anything, email me and let me know, and I'll talk you through it. Okay?\n\nChannel 1: No. That's\n\nChannel 0: AUC.\n\nChannel 1: fine. At at the moment, I'm extremely happy. So I I\n\nChannel 0: Beautiful.\n\nChannel 1: I can't I can't I can't I can't complain what you've explained to me. So when when I'm\n\nChannel 0: Thank you.\n\nChannel 1: when when I get the chance, I will read through it and\n\nChannel 0: Yeah.\n\nChannel 1: and go through it in-depth. But at the moment,\n\nChannel 0: Yep.\n\nChannel 1: no. I'm I'm comfortable with where what you what you're\n\nChannel 0: Beautiful.\n\nChannel 1: planning to do, so that's good.\n\nChannel 0: Beautiful. Excellent. I will also explain. We do have in there, as I mentioned, the limited scope around the retirement aspect. So I do do some modeling for to sort of see where this is taking you long term based on our current projections.\n\nI know you're aiming for an incoming retirement of about 95,000 per annum. This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen. So it's not quite not quite meeting your goal there at the moment, but this is just the starting point. We can look down the track at additional contributions. When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly similar.\n\nWe can also look at other portfolios down the track and sort of see what we're doing. So this is a starting point to kinda get you back on track now, and then we'll keep building on that as we get closer and closer. Okay?\n\nChannel 1: Yeah. When I say the 95, I mean, that's currently my gross income.\n\nChannel 0: Yeah.\n\nChannel 1: So by\n\nChannel 0: Yep.\n\nChannel 1: the time you take the tax component out of it, that brings it\n\nChannel 0: It's\n\nChannel 1: down to\n\nChannel 0: lower.\n\nChannel 1: 7 anyway. So we're\n\nChannel 0: Absolutely.\n\nChannel 1: so we're not far off the mark. So\n\nChannel 0: No. No. Correct.\n\nChannel 1: by by being able to get part pension draw super,\n\nChannel 0: Yep.\n\nChannel 1: I mean, who knows what what cost of living is gonna be like in another ten ten years or so. But\n\nChannel 0: Correct.\n\nChannel 1: at the at the moment at the moment, we're we're pretty okay. So I'm not\n\nChannel 0: Yeah.\n\nChannel 1: stressing too much about that at\n\nChannel 0: Beautiful.\n\nChannel 1: the moment. More\n\nChannel 0: Beautiful.\n\nChannel 1: getting more more getting more\n\nChannel 0: Yeah.\n\nChannel 1: super balance up where I've got that\n\nChannel 0: Yes.\n\nChannel 1: buffer not to stress\n\nChannel 0: Yep.\n\nChannel 1: about it too much.\n\nChannel 0: Absolutely. No. Correct. Absolutely. And I'll make sure we're working harder with you.\n\nMoving forward with the catch ups, how often did you want us to do them? Do you wanna maybe check-in with me once every quarter or every six months? What's comfortable for you and your lifestyle at the moment?\n\nChannel 1: Six monthly is fine at this stage.\n\nChannel 0: Six monthly?\n\nChannel 1: Just to\n\nChannel 0: Yep.\n\nChannel 1: you know, a six monthly review\n\nChannel 0: Yep.\n\nChannel 1: and update. I mean, I check my balances. I don't I'm not really just where I check it weekly, but I\n\nChannel 0: Yeah.\n\nChannel 1: I must you know, I haven't checked it since I last spoken to you. So\n\nChannel 0: Yeah.\n\nChannel 1: that's purely because I'm on holidays and that too. So I've stayed away from my laptop and opening up my my laptop to check emails and stuff. So\n\nChannel 0: Yeah.\n\nChannel 1: I'd probably check my super monthly. So if I see a significant downturn, I'll I'll get in contact and go, what's going on? But, generally,\n\nChannel 0: Yep.\n\nChannel 1: if it if it stays roughly where it is at the moment, what is my hub balance at the moment?\n\nChannel 0: I can jump in and let you know. Sorry. Two seconds. I'll jump in the hub real quick. There we go.\n\nBeautiful. While I'm jumping in here, I will make I've made a note here. It's a six monthly, so I'll make it down. It's in our calendar. Sorry.\n\nMy admin team member, Michelle, she'll give you a call in a in a couple of months. We'll book in your first catch up, and we'll make sure that moving forward, these catch ups do occur for you so you are getting those updates.\n\nChannel 1: Yes.\n\nChannel 0: And as I said, you've got my email. If something's concerning you, email me. I do look at the markets on a regular basis. I invest in my speaker, but also in my own name as well. So I am looking at the markets at what's happening.\n\nAnd, you know, if there is a need of the concern, we'll definitely bring it up with you.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. I have this taking a second to load, but\n\nChannel 1: Well,\n\nChannel 0: here\n\nChannel 1: considering\n\nChannel 0: we go.\n\nChannel 1: I hadn't heard I hadn't heard from anybody for for eighteen months, and I've had four phone calls and and stuff in the last six weeks. So I think I think, yeah, that you're gonna be on top of things looking after me. So\n\nChannel 0: Okay. Absolutely. Absolutely. We have had a little bit of a change in the business, so they set it up a bit more. So instead of having any adviser give you a call, it will just be me.\n\nI've put you into my book,\n\nChannel 1: yep.\n\nChannel 0: and so myself and Michelle will be the ones that make contact with you. You'll speak to her a lot as well as myself. You can call and book in extra times with you. You're not limited to just once every six months. If you are concerned or you want an extra catch up, you let me know or, you know, we can, yeah, make a time to catch up with you.\n\nI work longer Monday to Thursday, so I work after hours as well. So you you know, we'll make sure that we're here for you and that you do get those catch ups moving forward because it is really important that you are getting the value out of our service, and I wanna make sure that things are working harder for you. Okay?\n\nChannel 1: Not that far.\n\nChannel 0: Beautiful. So having a look now, I'm in here. Your balance in hub as of now, we're sitting at a 182,830. So\n\nChannel 1: K.\n\nChannel 0: on here, we\n\nChannel 1: So\n\nChannel 0: had\n\nChannel 1: it's it's dropped the vent 12 by 12.\n\nChannel 0: it's dropped about just over $2 at the moment. Yeah. Yeah. So slight dip in the market there. Been along sort of holding.\n\nHasn't really come back in any way, shape, or form, but that's the one investment that over the course of everything is holding your portfolio back a little bit more. Because when I look at from inception, everything else has been performing really, really well. So once we remove Benelon out of there, get the a 200 in, make those changes to the portfolio, then let it sit for a little bit, let it do its thing through these market ups and downs, then we'll come back and review what it's doing for you. But it is it is all Benelon kinda holding it back at the moment. Okay?\n\nChannel 1: Yeah. I've dropped about 15 a since the start of the year.\n\nChannel 0: It has been a difficult one. Yeah. Well, do everything I can to help you kind of make it all back. Okay?\n\nChannel 1: Yep. No worries. That's fine.\n\nChannel 0: All good. The last part of the advice is just the the estate planning side of things. So you we just wanna make sure your beneficiaries are up to date. So we are gonna recommend that you do binding non lapsing beneficiaries, nominating your wife receives everything in the event of that passing with CareSoup, but we weren't able to see exactly what it had noted there, but we're gonna go back and double\n\nChannel 1: No.\n\nChannel 0: check.\n\nChannel 1: It is\n\nChannel 0: Yeah?\n\nChannel 1: I have got hers nonbinding.\n\nChannel 0: Beautiful. It's numb so you've got a nonbinding?\n\nChannel 1: Yep.\n\nChannel 0: I'm\n\nChannel 1: Oh,\n\nChannel 0: gonna\n\nChannel 1: hang\n\nChannel 0: update\n\nChannel 1: on.\n\nChannel 0: that. You're right?\n\nChannel 1: No. I'm pretty sure they're both binding.\n\nChannel 0: Okay.\n\nChannel 1: Which binding what's the difference between the two?\n\nChannel 0: So nonbinding means that you've made the nomination, but the trustee if you pass away, the trustee has discretion to make that decision so they don't have to follow the direction. It doesn't bind them\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: I've\n\nChannel 0: follow\n\nChannel 1: done\n\nChannel 0: through.\n\nChannel 1: it. I've done no. I've done it I've done it in binding for both.\n\nChannel 0: Is it bind with the one in care sweep, it does it say binding non lapsing or binding lapsing?\n\nChannel 1: I'm pretty sure\n\nChannel 0: If\n\nChannel 1: it's\n\nChannel 0: you're not\n\nChannel 1: non latencies.\n\nChannel 0: sure.\n\nChannel 1: Sync. I'll double\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: can double I'll double check that for you. I'm\n\nChannel 0: Yep.\n\nChannel 1: pretty sure they buy it from non lap sync.\n\nChannel 0: Beautiful. Because I wanna make sure that they both definitely are. I still wanted to have this in the advice to sort of, like, this is where we're starting off with the with the estate planning side of things. We'll make sure that everything is in line because binding, non lapsing binds the trustee to follow that direction so long as your nomination is valid. And non lapsing means you don't have to keep filling out the document.\n\nThese are\n\nChannel 1: Yeah.\n\nChannel 0: annoying documents to fill out. So filling it out once, and then we review that with you continuously to make sure it remains in line with your needs. And when something changes, if you say, hey. That's not suitable anymore, then we'll\n\nChannel 1: Yep.\n\nChannel 0: look to change that with you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Now I'm pretty\n\nChannel 0: Yep.\n\nChannel 1: I'm pretty I'm pretty sure they're both I I I know Hubs is non latching. Correct?\n\nChannel 0: Yes. Hub definitely is.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I'm pretty sure they're both the same. And I've done\n\nChannel 0: Yep.\n\nChannel 1: that I did that because of the paperwork in that too, and I'm going, well, I've done it. I don't wanna have to keep filling it out every three to five years.\n\nChannel 0: Absolutely. If you can avoid that, absolutely. They make these 90 nominations very difficult to fill out, and they shouldn't do, but they absolutely do make them hard. So if we can alleviate that pressure on you, we'll 100% help you out with it. But I wanted to have have that in there.\n\nThat's my recommendation with those estate planning. As long as they're up to date and valid, that's fine, and we'll just make sure we keep reviewing that with you moving forward. Okay?\n\nChannel 1: Yeah. But and in in in and in the event that something changes, then we make the changes accordingly. So that's fine.\n\nChannel 0: Absolutely. Yeah. Definitely. Definitely. Beautiful.\n\nNow if you do like a little bit of reading, attach the DocuSign. I've also got there the PDF documents for the recommendation, the hub 24 and care super. I've got our financial services guide, which has got a lovely picture of me and some information on me in there for you. I've also got the appendix, which has all the research that I completed around looking at what to recommend for you as well that you can run your eyes over. And you're\n\nChannel 1: Yeah.\n\nChannel 0: welcome to let me know if you have any additional questions. I've gone through everything I needed to touch base on. The rest of the document does have a lot around the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well. So you're welcome to run your eyes over that, have a read through anything. And if you find us any questions, let me know.\n\nI am off next week just because I'm taking some time up with my son, but email me if there's anything or call us and let Michelle know. I do check my emails over the course of the week every so often, so I will get back to you as soon as I can, but I'm back on the thirteenth. Okay?\n\nChannel 1: No. No. That should be fine. So I guess once I sign the document that gives you the permission to make the changes that we've just\n\nChannel 0: Correct.\n\nChannel 1: discussed. Yep.\n\nChannel 0: Yep. Absolutely. You sign and return it back, and we'll be able to go in and make the investment switches for you and get all of that sorted nice and quickly. That way your portfolio has got some time to recover and start to build and work a bit harder for you. And if there's anything that you wanna change, on the back page, we have a text box.\n\nYou're welcome to write in there with if there's any part of the advice you don't wish to proceed with.\n\nChannel 1: Yes.\n\nChannel 0: If it does require you to answer that box, just put NA if you're happy to proceed with all of the advice. Okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Not a problem. I'll I'll get that done today before you go on live, so that's\n\nChannel 0: No\n\nChannel 1: fine.\n\nChannel 0: worries. No worries, Darren. If there's anything, you let me know. It doesn't matter what question is. I'm here to help you.\n\nSo you if there's something on your mind, you email me and let me know or give me a buzz. I'll make time to stop and have a chat. And, yeah, once you sign that, we'll get that in place. And I've got a note here. We'll give you a call and organize a catch up in six months time if you don't need us beforehand.\n\nOkay?\n\nChannel 1: No. That's fine.\n\nChannel 0: All good. Perfect. Thank you so much for your time this morning. I really appreciate it.\n\nChannel 1: No. Thank you, Dana. I appreciate the work you you and your team have gone through for me, sir. That's great. Thank you.\n\nChannel 0: No. Not a problem at all. You have a lovely day. I'll talk to you really soon.\n\nChannel 1: Thank you.\n\nChannel 0: Thanks, Darren. Talk soon. See you later. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":1.1999999,"end":1.68,"sentiment":"neutral","sentiment_score":0.03531855344772339},{"text":"Darren speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.026835736818611625}],"sentiment":"neutral","sentiment_score":0.029663342361648876,"channel":1,"num_words":3,"start":1.1999999,"end":2.5},{"sentences":[{"text":"Hi, Darren.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.14337187260389328},{"text":"It's Dana from OQ Financial.","start":3.76,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.16817193627357482},{"text":"How are you this morning?","start":5.3599997,"end":6.42,"sentiment":"neutral","sentiment_score":0.20667448043823242}],"sentiment":"neutral","sentiment_score":0.1800813190639019,"channel":0,"num_words":12,"start":3.04,"end":6.42},{"sentences":[{"text":"Hey.","start":6.72,"end":7.04,"sentiment":"neutral","sentiment_score":0.27338480949401855},{"text":"Good.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.41640955209732056},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"neutral","sentiment_score":0.29523521661758423}],"sentiment":"neutral","sentiment_score":0.31510000228881835,"channel":1,"num_words":5,"start":6.72,"end":8.1},{"sentences":[{"text":"I'm very well.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.6437649925549825},{"text":"Thank you.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.7363117337226868},{"text":"I had you booked in just to run through your updated advice piece.","start":9.599999,"end":12.4,"sentiment":"positive","sentiment_score":0.392405615403102},{"text":"Is now a good time there for you?","start":12.4,"end":14.179999,"sentiment":"positive","sentiment_score":0.3503760062158108}],"sentiment":"positive","sentiment_score":0.434930749810659,"channel":0,"num_words":26,"start":8.24,"end":14.179999},{"sentences":[{"text":"Yeah.","start":14.4,"end":14.9,"sentiment":"neutral","sentiment_score":0.16134947538375854}],"sentiment":"neutral","sentiment_score":0.16134947538375854,"channel":1,"num_words":1,"start":14.4,"end":14.9},{"sentences":[{"text":"Yep.","start":15.255,"end":15.575,"sentiment":"neutral","sentiment_score":0.21450543403625488},{"text":"Beautiful.","start":15.575,"end":15.975,"sentiment":"positive","sentiment_score":0.4196246564388275},{"text":"Do you happen to have access to your emails there as well?","start":15.975,"end":18.475,"sentiment":"neutral","sentiment_score":0.11635061539709568},{"text":"If you don't, that's okay.","start":19.895,"end":21.175,"sentiment":"neutral","sentiment_score":0.03853818029165268},{"text":"Don't worry.","start":21.175,"end":21.835,"sentiment":"neutral","sentiment_score":0.08513743430376053}],"sentiment":"neutral","sentiment_score":0.11396682120504834,"channel":0,"num_words":21,"start":15.255,"end":21.835},{"sentences":[{"text":"Yeah.","start":23.305,"end":23.805,"sentiment":"neutral","sentiment_score":0.0858914703130722},{"text":"They're on my phone.","start":23.865,"end":25.064999,"sentiment":"neutral","sentiment_score":0.07436139322817326},{"text":"I'll have to","start":25.064999,"end":25.705,"sentiment":"neutral","sentiment_score":0.07957422981659572}],"sentiment":"neutral","sentiment_score":0.07775746658444405,"channel":1,"num_words":8,"start":23.305,"end":25.705},{"sentences":[{"text":"Yep.","start":25.654999,"end":26.154999,"sentiment":"neutral","sentiment_score":0.06536069512367249}],"sentiment":"neutral","sentiment_score":0.06536069512367249,"channel":0,"num_words":1,"start":25.654999,"end":26.154999},{"sentences":[{"text":"be on on speaker.","start":25.705,"end":27.085,"sentiment":"neutral","sentiment_score":0.06040209345519543}],"sentiment":"neutral","sentiment_score":0.06040209345519543,"channel":1,"num_words":4,"start":25.705,"end":27.085},{"sentences":[{"text":"That's okay.","start":27.59,"end":28.23,"sentiment":"neutral","sentiment_score":0.18719249218702316},{"text":"If you're somewhere secure because we are discussing your personal information, it's absolutely fine.","start":28.23,"end":32.33,"sentiment":"neutral","sentiment_score":0.2671383651239531},{"text":"If not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself.","start":32.55,"end":38.949997,"sentiment":"neutral","sentiment_score":0.27815450548098003},{"text":"It's completely up to you.","start":38.949997,"end":40.41,"sentiment":"neutral","sentiment_score":0.21432413458824157}],"sentiment":"neutral","sentiment_score":0.2650484685599804,"channel":0,"num_words":50,"start":27.59,"end":40.41},{"sentences":[{"text":"Hang on.","start":42.344997,"end":42.745,"sentiment":"neutral","sentiment_score":0.061122188344597816},{"text":"Give me give me a sec.","start":42.745,"end":44.125,"sentiment":"neutral","sentiment_score":0.044868566716710724}],"sentiment":"neutral","sentiment_score":0.0489319721236825,"channel":1,"num_words":8,"start":42.344997,"end":44.125},{"sentences":[{"text":"Yeah.","start":44.985,"end":45.225,"sentiment":"neutral","sentiment_score":0.11948516219854356},{"text":"You're right.","start":45.225,"end":46.045,"sentiment":"neutral","sentiment_score":0.21284975856542587},{"text":"Excellent.","start":63.079998,"end":63.579998,"sentiment":"positive","sentiment_score":0.5427950620651245},{"text":"I'm I'm sending the email through to you now as well.","start":63.8,"end":66.04,"sentiment":"positive","sentiment_score":0.36422921039841394},{"text":"That way, it's on its way to you.","start":66.04,"end":67.24,"sentiment":"positive","sentiment_score":0.3984728083014488}],"sentiment":"positive","sentiment_score":0.36009928357342014,"channel":0,"num_words":23,"start":44.985,"end":67.24},{"sentences":[{"text":"It's got the advice document attached there.","start":67.24,"end":69.245,"sentiment":"neutral","sentiment_score":0.22192685518945968},{"text":"Just while that is coming through, Darren, I do have to let you know moving forward, we do record our calls for quality and training purposes.","start":69.885,"end":75.325,"sentiment":"neutral","sentiment_score":0.17238611126175293},{"text":"Are you happy for me to proceed with that?","start":75.325,"end":77.425,"sentiment":"neutral","sentiment_score":0.17046801414754656}],"sentiment":"neutral","sentiment_score":0.18023188110618366,"channel":0,"num_words":42,"start":67.24,"end":77.425},{"sentences":[{"text":"Yes.","start":77.945,"end":78.445,"sentiment":"neutral","sentiment_score":0.1411171853542328},{"text":"That's","start":78.745,"end":78.985,"sentiment":"neutral","sentiment_score":0.1758541464805603}],"sentiment":"neutral","sentiment_score":0.15848566591739655,"channel":1,"num_words":2,"start":77.945,"end":78.985},{"sentences":[{"text":"Yep.","start":78.925,"end":79.245,"sentiment":"neutral","sentiment_score":0.16015587747097015}],"sentiment":"neutral","sentiment_score":0.16015587747097015,"channel":0,"num_words":1,"start":78.925,"end":79.245},{"sentences":[{"text":"all.","start":78.985,"end":79.485,"sentiment":"neutral","sentiment_score":0.20950332283973697}],"sentiment":"neutral","sentiment_score":0.20950332283973697,"channel":1,"num_words":1,"start":78.985,"end":79.485},{"sentences":[{"text":"Lovely.","start":79.245,"end":79.745,"sentiment":"positive","sentiment_score":0.44574210047721863},{"text":"Excellent.","start":80.159996,"end":80.4,"sentiment":"positive","sentiment_score":0.427809476852417},{"text":"And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file for you.","start":80.4,"end":86.02,"sentiment":"neutral","sentiment_score":0.19765926152467728}],"sentiment":"neutral","sentiment_score":0.21360036333401997,"channel":0,"num_words":30,"start":79.245,"end":86.02},{"sentences":[{"text":"Darren Edwards or Darren Anthony Edwards.","start":87.72,"end":89.9,"sentiment":"neutral","sentiment_score":0.048586657270789146},{"text":"First of birth","start":89.96,"end":90.76,"sentiment":"neutral","sentiment_score":0.0417698435485363}],"sentiment":"neutral","sentiment_score":0.0463143860300382,"channel":1,"num_words":9,"start":87.72,"end":90.76},{"sentences":[{"text":"Yep.","start":90.56,"end":91.06,"sentiment":"neutral","sentiment_score":0.04056275263428688}],"sentiment":"neutral","sentiment_score":0.04056275263428688,"channel":0,"num_words":1,"start":90.56,"end":91.06},{"sentences":[{"text":"07/01","start":90.76,"end":91.66,"sentiment":"neutral","sentiment_score":0.026984592899680138}],"sentiment":"neutral","sentiment_score":0.026984592899680138,"channel":1,"num_words":1,"start":90.76,"end":91.66},{"sentences":[{"text":"Yep.","start":92.415,"end":92.915,"sentiment":"neutral","sentiment_score":0.025550058111548424}],"sentiment":"neutral","sentiment_score":0.025550058111548424,"channel":0,"num_words":1,"start":92.415,"end":92.915},{"sentences":[{"text":"6 Mayberry Way, Werribee.","start":92.44,"end":94.14,"sentiment":"neutral","sentiment_score":0.0379109182395041}],"sentiment":"neutral","sentiment_score":0.0379109182395041,"channel":1,"num_words":4,"start":92.44,"end":94.14},{"sentences":[{"text":"Beautiful.","start":95.295,"end":95.795,"sentiment":"positive","sentiment_score":0.4184088408946991},{"text":"Thank you so much for that.","start":95.935,"end":97.475,"sentiment":"positive","sentiment_score":0.5540671745936075},{"text":"That email popped through there yet.","start":104.095,"end":106.034996,"sentiment":"positive","sentiment_score":0.3737395852804184}],"sentiment":"positive","sentiment_score":0.46040380001068115,"channel":0,"num_words":13,"start":95.295,"end":106.034996},{"sentences":[{"text":"Yep.","start":106.855,"end":107.095,"sentiment":"neutral","sentiment_score":0.14542913436889648},{"text":"I've got it.","start":107.095,"end":107.735,"sentiment":"neutral","sentiment_score":0.1552776296933492},{"text":"Yep.","start":107.735,"end":108.235,"sentiment":"neutral","sentiment_score":0.12904928624629974}],"sentiment":"neutral","sentiment_score":0.14806226193904876,"channel":1,"num_words":5,"start":106.855,"end":108.235},{"sentences":[{"text":"Yep.","start":108.340004,"end":108.74,"sentiment":"neutral","sentiment_score":0.18470820784568787},{"text":"Beautiful.","start":108.74,"end":109.24,"sentiment":"neutral","sentiment_score":0.3192965090274811},{"text":"So when you open that one up there, you'll see it does have a little button that says sign.","start":109.380005,"end":114.18,"sentiment":"neutral","sentiment_score":0.14281219440071205},{"text":"You do need to click on that to be able to move forward.","start":114.18,"end":116.5,"sentiment":"neutral","sentiment_score":0.1550469192174765},{"text":"However, it just lets you scroll up and down to the documents, so you don't actually have to 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a","start":126.924995,"end":129.165,"sentiment":"neutral","sentiment_score":0.07387824480732282}],"sentiment":"neutral","sentiment_score":0.06541346930540524,"channel":1,"num_words":13,"start":125.245,"end":129.165},{"sentences":[{"text":"Yep.","start":129.125,"end":129.625,"sentiment":"neutral","sentiment_score":0.05923398956656456}],"sentiment":"neutral","sentiment_score":0.05923398956656456,"channel":0,"num_words":1,"start":129.125,"end":129.625},{"sentences":[{"text":"quick sticky back.","start":129.165,"end":130.385,"sentiment":"neutral","sentiment_score":0.05832060674826304}],"sentiment":"neutral","sentiment_score":0.05832060674826304,"channel":1,"num_words":3,"start":129.165,"end":130.385},{"sentences":[{"text":"Yeah.","start":130.485,"end":130.805,"sentiment":"neutral","sentiment_score":0.18228748440742493},{"text":"That's okay.","start":130.805,"end":131.44499,"sentiment":"positive","sentiment_score":0.33740703761577606},{"text":"Not a problem at all.","start":131.44499,"end":132.565,"sentiment":"positive","sentiment_score":0.48156251907348635},{"text":"I'll run through the things that I need to.","start":132.565,"end":134.40999,"sentiment":"positive","sentiment_score":0.38571524288919234},{"text":"Feel free to let me know if you do happen to have any questions.","start":134.40999,"end":136.81,"sentiment":"positive","sentiment_score":0.4372995240347726}],"sentiment":"positive","sentiment_score":0.41479176379019217,"channel":0,"num_words":31,"start":130.485,"end":136.81},{"sentences":[{"text":"I'll try to keep it nice and brief for you, and then you're able to go back and have a really good read of it.","start":136.81,"end":141.61,"sentiment":"positive","sentiment_score":0.6405378413200379},{"text":"Okay?","start":141.61,"end":142.11,"sentiment":"neutral","sentiment_score":0.23757535219192505}],"sentiment":"positive","sentiment_score":0.6250392840458796,"channel":0,"num_words":26,"start":136.81,"end":142.11},{"sentences":[{"text":"Yes.","start":142.86,"end":143.1,"sentiment":"neutral","sentiment_score":0.25989770889282227},{"text":"That's four.","start":143.1,"end":143.92001,"sentiment":"neutral","sentiment_score":0.30886995792388916}],"sentiment":"neutral","sentiment_score":0.2925458749135335,"channel":1,"num_words":3,"start":142.86,"end":143.92001},{"sentences":[{"text":"Perfect.","start":144.25,"end":144.75,"sentiment":"positive","sentiment_score":0.7361488342285156},{"text":"Now, Darren, the advice has been provided for yourself as of the 03/30/2026 when we completed the document.","start":144.81,"end":150.475,"sentiment":"neutral","sentiment_score":0.25176329496834016},{"text":"Our documents do stay valid for sixty days.","start":150.475,"end":152.895,"sentiment":"neutral","sentiment_score":0.2420131228864193},{"text":"On the bottom there, it does note my authorized representative number.","start":153.515,"end":156.395,"sentiment":"neutral","sentiment_score":0.10667936808683655},{"text":"I'm registered through Aspik as a registered financial adviser, and my number is 1304394.","start":156.395,"end":161.935,"sentiment":"neutral","sentiment_score":0.10312428218977791}],"sentiment":"neutral","sentiment_score":0.18886934858388627,"channel":0,"num_words":52,"start":144.25,"end":161.935},{"sentences":[{"text":"This document was updating your circumstances by looking at areas of superannuation as you're hoping to be able to retire by the age of 67, hoping to draw an income of about 95,000 per year in retirement at the moment.","start":162.5,"end":174.28,"sentiment":"neutral","sentiment_score":0.12352964468300343},{"text":"We also looked at the personal insurance aspect.","start":174.755,"end":176.995,"sentiment":"neutral","sentiment_score":0.01231460738927126},{"text":"You've got your life, your safety, income protection now.","start":176.995,"end":179.555,"sentiment":"neutral","sentiment_score":0.010726794600486755},{"text":"You want us to see if we could get something different for you.","start":179.555,"end":182.275,"sentiment":"neutral","sentiment_score":0.038142711497270144},{"text":"You were aiming to have between 350 to 400,000 of life and CBD cover and TBD if you are unable to work or passing away to protect your family.","start":182.275,"end":192.56,"sentiment":"neutral","sentiment_score":0.027546327432681775}],"sentiment":"neutral","sentiment_score":0.06495901558435324,"channel":0,"num_words":99,"start":162.5,"end":192.56},{"sentences":[{"text":"We've also looked at the estate planning side of things to make sure that your beneficiary nominations are in line with your goals, And we've also, on a limited basis, scoping the Social Security side of things and retirement planning.","start":193.81999,"end":205.625,"sentiment":"neutral","sentiment_score":0.1416001573204994},{"text":"So whilst we're not quite there yet, you've got a bit of time ahead of you still.","start":205.625,"end":208.92499,"sentiment":"neutral","sentiment_score":0.010172940571518505},{"text":"We've scoped that into a limited base to show you the projected outcome based on the recommendations we're making currently.","start":209.14499,"end":215.56499,"sentiment":"neutral","sentiment_score":0.180767535045743},{"text":"And this is fluid, so we'll keep updating the recommendations as we need to as your life changes as we are working towards the goal long term.","start":215.82,"end":223.20001,"sentiment":"neutral","sentiment_score":0.25406010338553675},{"text":"Okay?","start":223.26001,"end":223.76001,"sentiment":"neutral","sentiment_score":0.04077544808387756}],"sentiment":"neutral","sentiment_score":0.15573995450422878,"channel":0,"num_words":105,"start":193.81999,"end":223.76001},{"sentences":[{"text":"Yep.","start":224.82,"end":225.32,"sentiment":"neutral","sentiment_score":-0.05939476191997528}],"sentiment":"neutral","sentiment_score":-0.05939476191997528,"channel":1,"num_words":1,"start":224.82,"end":225.32},{"sentences":[{"text":"Areas that we've not considered.","start":226.14001,"end":227.42001,"sentiment":"neutral","sentiment_score":-0.319934618473053},{"text":"So we're not providing any cash flow or savings advice at the moment.","start":227.42001,"end":230.44499,"sentiment":"negative","sentiment_score":-0.470927643088194},{"text":"However, down the track, if you need additional advice in these sorts of areas, you're welcome to let me know.","start":230.44499,"end":235.08499,"sentiment":"neutral","sentiment_score":0.06212907326407731},{"text":"Okay?","start":235.08499,"end":235.58499,"sentiment":"neutral","sentiment_score":0.14851148426532745}],"sentiment":"neutral","sentiment_score":-0.1623240898196132,"channel":0,"num_words":39,"start":226.14001,"end":235.58499},{"sentences":[{"text":"Okay.","start":236.27501,"end":236.77501,"sentiment":"neutral","sentiment_score":0.2404455244541168}],"sentiment":"neutral","sentiment_score":0.2404455244541168,"channel":1,"num_words":1,"start":236.27501,"end":236.77501},{"sentences":[{"text":"Beautiful.","start":237.08499,"end":237.58499,"sentiment":"positive","sentiment_score":0.5907528400421143},{"text":"Now as you are running through the document, you've got the about you and your assets and liabilities.","start":238.205,"end":242.44499,"sentiment":"neutral","sentiment_score":0.17184638645913866},{"text":"This has all been updated since our last conversation.","start":242.44499,"end":244.73999,"sentiment":"neutral","sentiment_score":0.16571601894166735},{"text":"Now when you do review that one, if you do find there are any updates that needs to be made to those, please let me know.","start":244.73999,"end":250.01999,"sentiment":"neutral","sentiment_score":0.12041109685714428},{"text":"I'm more than happy to do so.","start":250.01999,"end":251.54,"sentiment":"positive","sentiment_score":0.7283199770109994}],"sentiment":"neutral","sentiment_score":0.21974361187121907,"channel":0,"num_words":61,"start":237.08499,"end":251.54},{"sentences":[{"text":"Okay.","start":251.54,"end":252.04,"sentiment":"neutral","sentiment_score":0.15889981389045715}],"sentiment":"neutral","sentiment_score":0.15889981389045715,"channel":0,"num_words":1,"start":251.54,"end":252.04},{"sentences":[{"text":"Okay.","start":251.86,"end":252.26001,"sentiment":"neutral","sentiment_score":0.13472625613212583},{"text":"No worries.","start":252.26001,"end":252.90001,"sentiment":"neutral","sentiment_score":0.185573011636734},{"text":"Yep.","start":252.90001,"end":253.40001,"sentiment":"neutral","sentiment_score":0.31373023986816406}],"sentiment":"neutral","sentiment_score":0.20490062981843948,"channel":1,"num_words":4,"start":251.86,"end":253.40001},{"sentences":[{"text":"Excellent.","start":253.45999,"end":253.95999,"sentiment":"positive","sentiment_score":0.6311852335929871},{"text":"Now with the recommendations, firstly, the super.","start":254.01999,"end":257.055,"sentiment":"neutral","sentiment_score":0.2708681161914553},{"text":"So I am recommending that we do retain both your hub 20 four and your care super.","start":257.055,"end":261.235,"sentiment":"neutral","sentiment_score":0.1811669894001063},{"text":"I've got the appendix, and I'll show you in the appendix when you're looking at it essentially the outcome there.","start":261.455,"end":266.435,"sentiment":"neutral","sentiment_score":0.14464508965611458},{"text":"I had a look at the insurance side of things really deeply.","start":266.57498,"end":269.455,"sentiment":"neutral","sentiment_score":-0.0337331898820897}],"sentiment":"neutral","sentiment_score":0.14202112949600346,"channel":0,"num_words":57,"start":253.45999,"end":269.455},{"sentences":[{"text":"So we did do that pre and","start":269.455,"end":272.06,"sentiment":"neutral","sentiment_score":-0.0008650137377636773}],"sentiment":"neutral","sentiment_score":-0.0008650137377636773,"channel":0,"num_words":7,"start":269.455,"end":272.06},{"sentences":[{"text":"Yes.","start":272.05002,"end":272.55002,"sentiment":"neutral","sentiment_score":-0.0010461695492267609}],"sentiment":"neutral","sentiment_score":-0.0010461695492267609,"channel":1,"num_words":1,"start":272.05002,"end":272.55002},{"sentences":[{"text":"we went back to the insurers and looked at the outcome there.","start":272.06,"end":275.12,"sentiment":"neutral","sentiment_score":-0.01893971674144268},{"text":"Unfortunately, because of your health history, disability cover was gonna have three easy exclusions, which meant you weren't gonna be able to claim on any of the policies for any of your preexisting medical conditions, which basically meant you were gonna be it's gonna be very hard to claim on any disability policies even if they offered them.","start":275.82,"end":294.755,"sentiment":"negative","sentiment_score":-0.35837290204804517},{"text":"Generally,","start":295.135,"end":295.615,"sentiment":"neutral","sentiment_score":-0.13409742712974548}],"sentiment":"neutral","sentiment_score":-0.297845103476249,"channel":0,"num_words":71,"start":272.06,"end":295.615},{"sentences":[{"text":"Okay.","start":295.28,"end":295.78,"sentiment":"neutral","sentiment_score":-0.16815267503261566}],"sentiment":"neutral","sentiment_score":-0.16815267503261566,"channel":1,"num_words":1,"start":295.28,"end":295.78},{"sentences":[{"text":"when an insurer has three exclusions on a disability cover, it's a straight decline.","start":295.615,"end":300.36,"sentiment":"neutral","sentiment_score":-0.2429706965173994},{"text":"So if they were willing to offer cover with those exclusions, it would make it very, very hard to claim and very expensive to to have.","start":300.5,"end":307.71997,"sentiment":"neutral","sentiment_score":-0.29626435385300565},{"text":"Otherwise, a lot of them came back and said there would be a straight decline for you.","start":308.5,"end":312.585,"sentiment":"neutral","sentiment_score":-0.24092081715078914},{"text":"So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper.","start":312.585,"end":318.845,"sentiment":"neutral","sentiment_score":-0.06820667009143268},{"text":"You currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment.","start":319.305,"end":327.98,"sentiment":"neutral","sentiment_score":-0.12474460407559361}],"sentiment":"neutral","sentiment_score":-0.19463214851623656,"channel":0,"num_words":102,"start":295.615,"end":327.98},{"sentences":[{"text":"So I would be very unsure about replacing a policy that you can hardly claim on for a","start":327.98,"end":333.02002,"sentiment":"negative","sentiment_score":-0.3844778686761856}],"sentiment":"negative","sentiment_score":-0.3844778686761856,"channel":0,"num_words":18,"start":327.98,"end":333.02002},{"sentences":[{"text":"Yes.","start":333.00497,"end":333.50497,"sentiment":"neutral","sentiment_score":-0.2180185467004776}],"sentiment":"neutral","sentiment_score":-0.2180185467004776,"channel":1,"num_words":1,"start":333.00497,"end":333.50497},{"sentences":[{"text":"policy that would have a lot more restrictions around claiming and be more expensive for doing so.","start":333.02002,"end":338.06,"sentiment":"negative","sentiment_score":-0.37950480159591227}],"sentiment":"negative","sentiment_score":-0.37950480159591227,"channel":0,"num_words":17,"start":333.02002,"end":338.06},{"sentences":[{"text":"No.","start":338.04498,"end":338.365,"sentiment":"neutral","sentiment_score":-0.18123093247413635}],"sentiment":"neutral","sentiment_score":-0.18123093247413635,"channel":1,"num_words":1,"start":338.04498,"end":338.365},{"sentences":[{"text":"Okay?","start":338.06,"end":338.56,"sentiment":"neutral","sentiment_score":-0.12895140051841736}],"sentiment":"neutral","sentiment_score":-0.12895140051841736,"channel":0,"num_words":1,"start":338.06,"end":338.56},{"sentences":[{"text":"That's that's fair enough.","start":338.365,"end":339.645,"sentiment":"neutral","sentiment_score":-0.05267399223521352},{"text":"I'd rather keep that then.","start":339.645,"end":341.185,"sentiment":"neutral","sentiment_score":-0.07261743620038033}],"sentiment":"neutral","sentiment_score":-0.06375368332697286,"channel":1,"num_words":9,"start":338.365,"end":341.185},{"sentences":[{"text":"Absolutely.","start":341.85498,"end":342.35498,"sentiment":"neutral","sentiment_score":0.010768870823085308},{"text":"It's good that we've gone back and we've had a really good look so we understand where things are at for you, and we have a bit of a starting point moving forward as well.","start":342.655,"end":349.615,"sentiment":"positive","sentiment_score":0.6643916692052568},{"text":"So it is about retaining both of those funds at the moment.","start":349.615,"end":353.13498,"sentiment":"neutral","sentiment_score":0.170001699278752},{"text":"We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa.","start":353.13498,"end":358.36002,"sentiment":"neutral","sentiment_score":0.19731989316642284},{"text":"So every year, we do the reviews with you.","start":358.5,"end":360.58002,"sentiment":"neutral","sentiment_score":0.12125430173344082}],"sentiment":"positive","sentiment_score":0.40483431083035387,"channel":0,"num_words":73,"start":341.85498,"end":360.58002},{"sentences":[{"text":"We're gonna go over and roll everything bar 15,000.","start":360.58002,"end":364.28,"sentiment":"neutral","sentiment_score":0.10926230831278695},{"text":"I'm keeping 15,000 in CareSoupa Slaver because it's a minimum of 10,000 to make sure we're hitting the minimum threshold.","start":364.34003,"end":370.375,"sentiment":"neutral","sentiment_score":0.1318234156817198},{"text":"We're accounting for volatility in the market, but then also on top of that leaving enough reinsurance premiums there.","start":370.595,"end":376.995,"sentiment":"neutral","sentiment_score":0.09517469786499676},{"text":"So it's giving you a buffer in case of market downturns, which with the volatility we are seeing is a possibility there.","start":376.995,"end":383.94,"sentiment":"neutral","sentiment_score":0.12788307971575044},{"text":"So you'll keep both those funds, keep your contributions going into CareSuper there for me.","start":383.94,"end":389.7,"sentiment":"neutral","sentiment_score":0.22627526024977365}],"sentiment":"neutral","sentiment_score":0.1368906471220886,"channel":0,"num_words":85,"start":360.58002,"end":389.7},{"sentences":[{"text":"We'll make sure a new TPA is applied to the policy.","start":389.7,"end":392.1,"sentiment":"neutral","sentiment_score":0.13214384493502704},{"text":"It does look the TPA has lapsed with them.","start":392.1,"end":394.595,"sentiment":"neutral","sentiment_score":0.04906679089698526},{"text":"So I'll go back and add a new authority onto the policy.","start":394.595,"end":397.555,"sentiment":"neutral","sentiment_score":0.09108613803982735},{"text":"I'll look after both of those accounts for you.","start":397.555,"end":399.475,"sentiment":"neutral","sentiment_score":0.12329828821950489},{"text":"We do wanna retain 15,000 in CareSlooper.","start":399.475,"end":401.975,"sentiment":"neutral","sentiment_score":0.15937540254422597}],"sentiment":"neutral","sentiment_score":0.10861519751294206,"channel":0,"num_words":48,"start":389.7,"end":401.975},{"sentences":[{"text":"And then when we do reviews with you, everything over that 15,000 will be rolled into hub twenty four.","start":402.115,"end":408.535,"sentiment":"neutral","sentiment_score":0.11241978014770307},{"text":"We can do it on a yearly basis.","start":408.7,"end":410.30002,"sentiment":"neutral","sentiment_score":0.12611330766230822},{"text":"We can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover.","start":410.30002,"end":415.74002,"sentiment":"neutral","sentiment_score":0.08410906217371424},{"text":"So when we do the catch ups with you, we'll make sure we call carefully if we get a balance from them, and then we could decide whether we dollar cost average enroll money over on a regular basis or whether we do it once a year depending on your circumstances at the time.","start":415.74002,"end":428.475,"sentiment":"neutral","sentiment_score":0.08618794905918616},{"text":"Does that make sense so far?","start":428.475,"end":430.01498,"sentiment":"neutral","sentiment_score":0.0710297046850125}],"sentiment":"neutral","sentiment_score":0.09228673201423508,"channel":0,"num_words":111,"start":402.115,"end":430.01498},{"sentences":[{"text":"Sure, Val.","start":430.47498,"end":430.875,"sentiment":"neutral","sentiment_score":0.1857576221227646},{"text":"That's fine.","start":430.875,"end":431.775,"sentiment":"positive","sentiment_score":0.34753990173339844}],"sentiment":"neutral","sentiment_score":0.2666487619280815,"channel":1,"num_words":4,"start":430.47498,"end":431.775},{"sentences":[{"text":"Beautiful.","start":432.235,"end":432.735,"sentiment":"positive","sentiment_score":0.5275800228118896},{"text":"I did also, as an alternative, consider transfer terms.","start":433.22998,"end":436.59,"sentiment":"neutral","sentiment_score":0.09145596913165516},{"text":"So canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four.","start":436.59,"end":442.69,"sentiment":"neutral","sentiment_score":0.03745774073260171},{"text":"Transfer terms is basically transferring the same level of cover.","start":442.75,"end":445.94998,"sentiment":"neutral","sentiment_score":0.016848527267575263},{"text":"However, the risk factor is slightly different.","start":445.94998,"end":448.28998,"sentiment":"neutral","sentiment_score":-0.09512955376080104}],"sentiment":"neutral","sentiment_score":0.034164056181907654,"channel":0,"num_words":48,"start":432.235,"end":448.28998},{"sentences":[{"text":"And the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover.","start":448.63498,"end":457.935,"sentiment":"neutral","sentiment_score":-0.28966273805674386},{"text":"And hub twenty four do have on those transfer terms exclusion period where preexisting conditions can't be claimed for a certain period of time.","start":458.395,"end":465.69,"sentiment":"neutral","sentiment_score":-0.08283590308080117},{"text":"So, I determined with the increase in cost for the same level of cover and having an exclusion period on preexisting conditions, it was better for you to retain CareSuper and have twenty four as two separate funds, and we monitor everything for you the way it is.","start":465.69,"end":482.175,"sentiment":"neutral","sentiment_score":-0.001972992205992341},{"text":"Okay?","start":482.23502,"end":482.73502,"sentiment":"neutral","sentiment_score":0.04691287875175476}],"sentiment":"neutral","sentiment_score":-0.11106902350471398,"channel":0,"num_words":107,"start":448.63498,"end":482.73502},{"sentences":[{"text":"Yeah.","start":483.13,"end":483.37,"sentiment":"neutral","sentiment_score":0.08325786143541336},{"text":"That's fine.","start":483.37,"end":484.01,"sentiment":"neutral","sentiment_score":0.17344301193952563},{"text":"So","start":484.01,"end":484.51,"sentiment":"neutral","sentiment_score":0.16363514959812164}],"sentiment":"neutral","sentiment_score":0.14844475872814655,"channel":1,"num_words":4,"start":483.13,"end":484.51},{"sentences":[{"text":"Yep.","start":484.555,"end":485.055,"sentiment":"neutral","sentiment_score":0.14286836981773376}],"sentiment":"neutral","sentiment_score":0.14286836981773376,"channel":0,"num_words":1,"start":484.555,"end":485.055},{"sentences":[{"text":"is it is it still worth keeping the income protection as well?","start":484.855,"end":488.23502,"sentiment":"neutral","sentiment_score":0.09686621713141601}],"sentiment":"neutral","sentiment_score":0.09686621713141601,"channel":1,"num_words":12,"start":484.855,"end":488.23502},{"sentences":[{"text":"It is because I also looked at canceling that, and I don't know how CareSuper do this, but we did a quote with CareSuper to see if canceling the income protection was gonna make the policy cheaper for you, and it unfortunately increased the cost of it.","start":488.33,"end":501.385,"sentiment":"neutral","sentiment_score":-0.25589684904255766},{"text":"So because they bundle a life TBD and income protection, I think you're getting a bit of a multi policy discount in","start":501.385,"end":507.385,"sentiment":"neutral","sentiment_score":0.03392664563249458}],"sentiment":"neutral","sentiment_score":-0.1634893579867439,"channel":0,"num_words":69,"start":488.33,"end":507.385},{"sentences":[{"text":"Next time.","start":507.11,"end":507.66998,"sentiment":"neutral","sentiment_score":0.015929775312542915}],"sentiment":"neutral","sentiment_score":0.015929775312542915,"channel":1,"num_words":2,"start":507.11,"end":507.66998},{"sentences":[{"text":"with","start":507.465,"end":507.70502,"sentiment":"neutral","sentiment_score":0.05262739956378937}],"sentiment":"neutral","sentiment_score":0.05262739956378937,"channel":0,"num_words":1,"start":507.465,"end":507.70502},{"sentences":[{"text":"Yep.","start":507.66998,"end":508.16998,"sentiment":"neutral","sentiment_score":0.11642336845397948}],"sentiment":"neutral","sentiment_score":0.11642336845397948,"channel":1,"num_words":1,"start":507.66998,"end":508.16998},{"sentences":[{"text":"inside there.","start":507.785,"end":508.765,"sentiment":"neutral","sentiment_score":0.13098680973052979},{"text":"It actually increased the policy quite significantly, and we've added all those quotes into the appendix so you can see them.","start":508.98502,"end":514.585,"sentiment":"neutral","sentiment_score":0.33144440821238924},{"text":"But it actually worked out in your benefit whilst the income protection's just under the 70% there.","start":514.585,"end":520.29004,"sentiment":"positive","sentiment_score":0.4699382694328533},{"text":"It is giving you a little bit of an additional buffer in the event you had the claim, and it's actually keeping the policy slightly cheaper for you, which is gonna give you a greater benefit long term.","start":520.29004,"end":529.885,"sentiment":"positive","sentiment_score":0.5482621828192159},{"text":"So I'm gonna recommend you keep all three of those policies as they are, just until you don't need them anymore at a point where your super balance is good, you've got no debt, you're comfortable with not having any life saving your income protections, then we can look to consolidate and But that comes down to when it's comfortable for you to do so.","start":529.885,"end":548.58,"sentiment":"neutral","sentiment_score":0.2300207709463743}],"sentiment":"positive","sentiment_score":0.3566193694470229,"channel":0,"num_words":143,"start":507.785,"end":548.58},{"sentences":[{"text":"If we get to 60 and then we decide you no longer need them anymore, that's absolutely okay.","start":548.58,"end":553.38,"sentiment":"neutral","sentiment_score":0.13544599670502874},{"text":"But we'll just keep monitoring things with you long term.","start":553.38,"end":556.1,"sentiment":"neutral","sentiment_score":0.2687326446175575},{"text":"But it all came down to what you have, what you needed, but also what was cost effective.","start":556.1,"end":560.195,"sentiment":"neutral","sentiment_score":0.12576673842138714},{"text":"And, unfortunately, when we get into our fifties, things do become a lot more expensive.","start":560.195,"end":564.435,"sentiment":"negative","sentiment_score":-0.4950780967871348},{"text":"The risk of us claiming increases, so","start":564.435,"end":566.835,"sentiment":"negative","sentiment_score":-0.38535432304654804}],"sentiment":"neutral","sentiment_score":-0.04021317698061466,"channel":0,"num_words":68,"start":548.58,"end":566.835},{"sentences":[{"text":"Yeah.","start":566.825,"end":567.325,"sentiment":"neutral","sentiment_score":-0.2196439504623413}],"sentiment":"neutral","sentiment_score":-0.2196439504623413,"channel":1,"num_words":1,"start":566.825,"end":567.325},{"sentences":[{"text":"we are seen as very high risk, unfortunately.","start":566.835,"end":569.015,"sentiment":"negative","sentiment_score":-0.3491157703101635},{"text":"So I've I've","start":569.315,"end":570.115,"sentiment":"neutral","sentiment_score":-0.10783023138840993}],"sentiment":"neutral","sentiment_score":-0.2833106233315034,"channel":0,"num_words":11,"start":566.835,"end":570.115},{"sentences":[{"text":"That's","start":570.10504,"end":570.34503,"sentiment":"neutral","sentiment_score":-0.017897075042128563}],"sentiment":"neutral","sentiment_score":-0.017897075042128563,"channel":1,"num_words":1,"start":570.10504,"end":570.34503},{"sentences":[{"text":"got all","start":570.115,"end":570.435,"sentiment":"neutral","sentiment_score":-0.02761860564351082}],"sentiment":"neutral","sentiment_score":-0.02761860564351082,"channel":0,"num_words":2,"start":570.115,"end":570.435},{"sentences":[{"text":"fine.","start":570.34503,"end":570.84503,"sentiment":"neutral","sentiment_score":-0.02865751087665558}],"sentiment":"neutral","sentiment_score":-0.02865751087665558,"channel":1,"num_words":1,"start":570.34503,"end":570.84503},{"sentences":[{"text":"those in the appendix.","start":570.435,"end":571.36005,"sentiment":"neutral","sentiment_score":-0.01223846711218357},{"text":"All good.","start":571.36005,"end":571.94,"sentiment":"positive","sentiment_score":0.3719639182090759}],"sentiment":"neutral","sentiment_score":0.1158289946615696,"channel":0,"num_words":6,"start":570.435,"end":571.94},{"sentences":[{"text":"No.","start":572.34,"end":572.58,"sentiment":"neutral","sentiment_score":0.02270606905221939},{"text":"That's cool.","start":572.58,"end":573.30005,"sentiment":"neutral","sentiment_score":0.24651595205068588},{"text":"That's what my fees are paying you paying you to do.","start":573.30005,"end":575.78,"sentiment":"neutral","sentiment_score":0.06386326490478082},{"text":"Looking to be.","start":575.78,"end":576.76,"sentiment":"neutral","sentiment_score":0.11924979835748672}],"sentiment":"neutral","sentiment_score":0.09270489895168472,"channel":1,"num_words":17,"start":572.34,"end":576.76},{"sentences":[{"text":"Absolutely.","start":577.84,"end":578.34,"sentiment":"positive","sentiment_score":0.358004629611969},{"text":"It is.","start":578.48004,"end":578.88,"sentiment":"positive","sentiment_score":0.33949290215969086},{"text":"It is.","start":578.88,"end":579.12,"sentiment":"neutral","sentiment_score":0.28803741931915283},{"text":"And that's why I put them in the appendix.","start":579.12,"end":580.64,"sentiment":"neutral","sentiment_score":0.11655076179239485},{"text":"So when you are looking at that document, you can go through and have a look at the difference in quotes.","start":580.64,"end":584.48004,"sentiment":"neutral","sentiment_score":0.09172529407909938}],"sentiment":"neutral","sentiment_score":0.1310929515532085,"channel":0,"num_words":35,"start":577.84,"end":584.48004},{"sentences":[{"text":"I've got the different projection tables in there to show you the outcome and why we've gone the way we have with this one.","start":584.48004,"end":589.565,"sentiment":"neutral","sentiment_score":0.06909430085215718},{"text":"Okay?","start":589.565,"end":590.065,"sentiment":"neutral","sentiment_score":0.024406269192695618}],"sentiment":"neutral","sentiment_score":0.06730677958577871,"channel":0,"num_words":25,"start":584.48004,"end":590.065},{"sentences":[{"text":"No.","start":589.795,"end":589.95496,"sentiment":"neutral","sentiment_score":-0.06900431960821152},{"text":"That's fine.","start":589.95496,"end":590.435,"sentiment":"neutral","sentiment_score":0.01598482485860586},{"text":"Yeah.","start":590.435,"end":590.675,"sentiment":"neutral","sentiment_score":0.1124788299202919},{"text":"That's fine.","start":590.675,"end":591.415,"sentiment":"neutral","sentiment_score":0.2331780269742012}],"sentiment":"neutral","sentiment_score":0.09030003566294909,"channel":1,"num_words":6,"start":589.795,"end":591.415},{"sentences":[{"text":"Excellent.","start":591.725,"end":592.225,"sentiment":"positive","sentiment_score":0.48859381675720215},{"text":"Now with your hub 24, I'm not changing any of the investments within your care, Sue, but everything there looks to be fine at the moment.","start":592.685,"end":598.68,"sentiment":"neutral","sentiment_score":0.06683200325530309},{"text":"We would be rolling because you've got a bit over 21,000 in there at the moment, rolling about 6,453 from CareSoup in the hub 24.","start":598.98,"end":607.39996,"sentiment":"neutral","sentiment_score":0.06431532368063926},{"text":"I am looking to change some of the investments.","start":607.86,"end":610.36,"sentiment":"neutral","sentiment_score":0.007845967180199094},{"text":"So we did note when we spoke last time, some of the investments have been underperforming there.","start":610.395,"end":614.79504,"sentiment":"neutral","sentiment_score":-0.08754377527272}],"sentiment":"neutral","sentiment_score":0.03098049382559764,"channel":0,"num_words":78,"start":591.725,"end":614.79504},{"sentences":[{"text":"So what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you.","start":614.79504,"end":623.775,"sentiment":"neutral","sentiment_score":0.1079296310033117},{"text":"If you're looking at the document, if you wanna look at page number twenty five and twenty six, this shows you the changes I'll be making with the investments for you.","start":623.93,"end":631.63,"sentiment":"neutral","sentiment_score":0.061745517917217746}],"sentiment":"neutral","sentiment_score":0.08623709303863121,"channel":0,"num_words":66,"start":614.79504,"end":631.63},{"sentences":[{"text":"Yeah.","start":632.32,"end":632.685,"sentiment":"neutral","sentiment_score":0.04209023341536522},{"text":"I'll I'll","start":633.565,"end":633.885,"sentiment":"neutral","sentiment_score":0.0397160779684782}],"sentiment":"neutral","sentiment_score":0.040507463117440544,"channel":1,"num_words":3,"start":632.32,"end":633.885},{"sentences":[{"text":"Perfect.","start":633.85,"end":634.35,"sentiment":"neutral","sentiment_score":0.121257022023201}],"sentiment":"neutral","sentiment_score":0.121257022023201,"channel":0,"num_words":1,"start":633.85,"end":634.35},{"sentences":[{"text":"I'm not looking at it now, but I will look at look at that","start":634.125,"end":636.925,"sentiment":"neutral","sentiment_score":0.016233878875417367}],"sentiment":"neutral","sentiment_score":0.016233878875417367,"channel":1,"num_words":14,"start":634.125,"end":636.925},{"sentences":[{"text":"Yeah.","start":636.90497,"end":637.40497,"sentiment":"neutral","sentiment_score":0.01587088778614998}],"sentiment":"neutral","sentiment_score":0.01587088778614998,"channel":0,"num_words":1,"start":636.90497,"end":637.40497},{"sentences":[{"text":"look at it","start":636.925,"end":637.645,"sentiment":"neutral","sentiment_score":0.015871744602918625}],"sentiment":"neutral","sentiment_score":0.015871744602918625,"channel":1,"num_words":3,"start":636.925,"end":637.645},{"sentences":[{"text":"That's","start":637.545,"end":638.045,"sentiment":"neutral","sentiment_score":0.007925111800432205}],"sentiment":"neutral","sentiment_score":0.007925111800432205,"channel":0,"num_words":1,"start":637.545,"end":638.045},{"sentences":[{"text":"after.","start":637.645,"end":638.045,"sentiment":"neutral","sentiment_score":0.017189985141158104},{"text":"Yep.","start":638.045,"end":638.545,"sentiment":"neutral","sentiment_score":0.09562733769416808}],"sentiment":"neutral","sentiment_score":0.05640866141766309,"channel":1,"num_words":2,"start":637.645,"end":638.545},{"sentences":[{"text":"that's okay.","start":638.58496,"end":639.305,"sentiment":"neutral","sentiment_score":0.15052273869514465},{"text":"That's not a problem at all.","start":639.305,"end":640.90497,"sentiment":"neutral","sentiment_score":0.21080384900172552},{"text":"Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech.","start":640.90497,"end":644.345,"sentiment":"neutral","sentiment_score":0.06391464940765325},{"text":"It has been very volatile.","start":644.345,"end":645.545,"sentiment":"neutral","sentiment_score":-0.01845497190952301},{"text":"It is still a good investment to have.","start":645.545,"end":647.225,"sentiment":"positive","sentiment_score":0.4147324003279209}],"sentiment":"neutral","sentiment_score":0.15468426195806578,"channel":0,"num_words":38,"start":638.58496,"end":647.225},{"sentences":[{"text":"However, this newer portfolio is cheaper and has been working much better.","start":647.225,"end":651.065,"sentiment":"neutral","sentiment_score":0.31219674879685044},{"text":"So removing all of the battery and lithium tech, removing all of the agriculture in the investment portfolio, we're keeping some cybersecurity and just topping that up a little bit.","start":651.065,"end":660.27,"sentiment":"neutral","sentiment_score":-0.008984128292649985},{"text":"We're still gonna keep exposure sorry.","start":660.33,"end":662.41003,"sentiment":"neutral","sentiment_score":-0.09212535495559375},{"text":"We're getting bit of exposure into Asia and keeping exposure into Europe and topping that up a little bit for you.","start":662.41003,"end":667.735,"sentiment":"neutral","sentiment_score":-0.054209367150352114},{"text":"We are keeping the exposure into the S and P 500, the top 500 companies in The US, and just topping that up a little bit there as well.","start":667.955,"end":675.155,"sentiment":"neutral","sentiment_score":0.009648543043897069}],"sentiment":"neutral","sentiment_score":0.021076490256783306,"channel":0,"num_words":98,"start":647.225,"end":675.155},{"sentences":[{"text":"We'll be getting rid of the Global Healthcare, getting rid of the Vanguard diversified 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as some up and coming as well.","start":707.27997,"end":714.63995,"sentiment":"neutral","sentiment_score":0.17625227943062782}],"sentiment":"neutral","sentiment_score":0.04972532723584901,"channel":0,"num_words":115,"start":675.155,"end":714.63995},{"sentences":[{"text":"So we're giving you a little bit of exposure into what has already been established, but also up and coming areas and changes that we see.","start":714.63995,"end":721.755,"sentiment":"neutral","sentiment_score":0.11592041070644672},{"text":"The Vanguard all wealth all world index tracks the all world basically, the entire market by The US.","start":721.835,"end":727.59503,"sentiment":"neutral","sentiment_score":0.19922387765513527},{"text":"So it's about making sure you've got diversification, but also investments that have a good track record, and that have performed really well in the past.","start":727.59503,"end":735.275,"sentiment":"positive","sentiment_score":0.40485182576454604},{"text":"And this one has done really, really well.","start":735.275,"end":737.375,"sentiment":"positive","sentiment_score":0.7724385038018227},{"text":"It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important.","start":737.48004,"end":743.5,"sentiment":"positive","sentiment_score":0.5719848315824162}],"sentiment":"positive","sentiment_score":0.3588928227126598,"channel":0,"num_words":100,"start":714.63995,"end":743.5},{"sentences":[{"text":"Okay?","start":743.72003,"end":744.22003,"sentiment":"neutral","sentiment_score":0.12738266587257385}],"sentiment":"neutral","sentiment_score":0.12738266587257385,"channel":0,"num_words":1,"start":743.72003,"end":744.22003},{"sentences":[{"text":"Okay.","start":745.0,"end":745.5,"sentiment":"neutral","sentiment_score":0.12751106917858124}],"sentiment":"neutral","sentiment_score":0.12751106917858124,"channel":1,"num_words":1,"start":745.0,"end":745.5},{"sentences":[{"text":"With removing the Vanguard 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risk, which is really important for you as 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bottom line with the changes,","start":843.23505,"end":845.495,"sentiment":"neutral","sentiment_score":0.02452350438882907}],"sentiment":"neutral","sentiment_score":0.02452350438882907,"channel":1,"num_words":6,"start":843.23505,"end":845.495},{"sentences":[{"text":"Yep.","start":846.02496,"end":846.52496,"sentiment":"neutral","sentiment_score":0.009966704063117504}],"sentiment":"neutral","sentiment_score":0.009966704063117504,"channel":0,"num_words":1,"start":846.02496,"end":846.52496},{"sentences":[{"text":"what am I I know it's hard because of market at the moment, but","start":847.47003,"end":851.33,"sentiment":"neutral","sentiment_score":-0.073193410278431}],"sentiment":"neutral","sentiment_score":-0.073193410278431,"channel":1,"num_words":14,"start":847.47003,"end":851.33},{"sentences":[{"text":"Yeah.","start":851.14496,"end":851.64496,"sentiment":"neutral","sentiment_score":-0.04214133322238922}],"sentiment":"neutral","sentiment_score":-0.04214133322238922,"channel":0,"num_words":1,"start":851.14496,"end":851.64496},{"sentences":[{"text":"what what's the standard growth on a on a 12 monthly basis with the super base?","start":851.79004,"end":858.285,"sentiment":"neutral","sentiment_score":-0.0246171613689512},{"text":"Sort of I know it's hard to use to give me accurate.","start":858.365,"end":861.725,"sentiment":"neutral","sentiment_score":-0.10156732145696878},{"text":"It's sort","start":861.725,"end":862.44495,"sentiment":"neutral","sentiment_score":-0.05544376000761986}],"sentiment":"neutral","sentiment_score":-0.05745233198006948,"channel":1,"num_words":30,"start":851.79004,"end":862.44495},{"sentences":[{"text":"No.","start":862.32,"end":862.64,"sentiment":"neutral","sentiment_score":-0.04788647964596749}],"sentiment":"neutral","sentiment_score":-0.04788647964596749,"channel":0,"num_words":1,"start":862.32,"end":862.64},{"sentences":[{"text":"of 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all.","start":863.805,"end":864.46497,"sentiment":"neutral","sentiment_score":0.04534489847719669}],"sentiment":"neutral","sentiment_score":0.04534489847719669,"channel":1,"num_words":2,"start":863.805,"end":864.46497},{"sentences":[{"text":"So we are moving you down into more that growth environment, which is taking a bit more low risk.","start":865.055,"end":869.45496,"sentiment":"neutral","sentiment_score":0.14644433989336617},{"text":"And the expectation of what we're looking for, we're hoping for out of a growth portfolio between seven to 9% on a yearly basis.","start":869.45496,"end":876.815,"sentiment":"neutral","sentiment_score":0.2564019573231538},{"text":"If you can get that, you know, moving forward, you'll be pretty well working on track for that portfolio, which is great.","start":876.815,"end":883.29004,"sentiment":"positive","sentiment_score":0.4477578110315583},{"text":"We know some years you're gonna get greater returns.","start":883.35004,"end":885.59,"sentiment":"neutral","sentiment_score":0.252174499962065},{"text":"We've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic.","start":885.59,"end":890.33,"sentiment":"positive","sentiment_score":0.6031720899045467}],"sentiment":"positive","sentiment_score":0.34118983571728073,"channel":0,"num_words":90,"start":865.055,"end":890.33},{"sentences":[{"text":"And with the volatility we are seeing this year, I would expect we might see a little bit lower of 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as","start":938.1424,"end":943.7458,"sentiment":"neutral","sentiment_score":-0.10100461337715387}],"sentiment":"neutral","sentiment_score":-0.11890628853669534,"channel":0,"num_words":65,"start":925.775,"end":943.7458},{"sentences":[{"text":"Yes.","start":943.605,"end":944.105,"sentiment":"neutral","sentiment_score":-0.13145865499973297}],"sentiment":"neutral","sentiment_score":-0.13145865499973297,"channel":1,"num_words":1,"start":943.605,"end":944.105},{"sentences":[{"text":"a total.","start":943.7458,"end":944.2794,"sentiment":"neutral","sentiment_score":-0.07164635881781578},{"text":"That's not a huge increase.","start":944.2794,"end":945.6136,"sentiment":"neutral","sentiment_score":-0.19580178260803222},{"text":"Sorry.","start":945.6136,"end":945.8804,"sentiment":"neutral","sentiment_score":-0.11137259751558304},{"text":"That's not a massive pullback 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by making these changes here, you're actually gonna save for the first year about $715 in investment fees.","start":975.945,"end":988.66504,"sentiment":"neutral","sentiment_score":0.25086106434464456},{"text":"That's a pretty big saving on investment fees,","start":988.66504,"end":990.925,"sentiment":"positive","sentiment_score":0.6252164617180824}],"sentiment":"neutral","sentiment_score":0.19424918784106804,"channel":0,"num_words":77,"start":967.01996,"end":990.925},{"sentences":[{"text":"Yes.","start":991.225,"end":991.725,"sentiment":"positive","sentiment_score":0.4375028312206268}],"sentiment":"positive","sentiment_score":0.4375028312206268,"channel":1,"num_words":1,"start":991.225,"end":991.725},{"sentences":[{"text":"making sure that more money is invested for you working harder.","start":991.49,"end":994.39,"sentiment":"positive","sentiment_score":0.3668892112645236},{"text":"And the CGT, because they're no longer been underperforming, the CGT consequences for making these 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at the moment, I'm extremely happy.","start":1077.75,"end":1079.83,"sentiment":"positive","sentiment_score":0.3981137658868517},{"text":"So I I","start":1079.83,"end":1080.89,"sentiment":"positive","sentiment_score":0.4035385052363078}],"sentiment":"positive","sentiment_score":0.37353379143909976,"channel":1,"num_words":11,"start":1077.67,"end":1080.89},{"sentences":[{"text":"Beautiful.","start":1080.9199,"end":1081.4199,"sentiment":"neutral","sentiment_score":0.07671476155519485}],"sentiment":"neutral","sentiment_score":0.07671476155519485,"channel":0,"num_words":1,"start":1080.9199,"end":1081.4199},{"sentences":[{"text":"I can't I can't I can't I can't complain what you've explained to me.","start":1081.11,"end":1084.71,"sentiment":"neutral","sentiment_score":-0.1542609647980758},{"text":"So when when I'm","start":1084.71,"end":1086.585,"sentiment":"neutral","sentiment_score":0.0866795377805829}],"sentiment":"neutral","sentiment_score":-0.10071863089170721,"channel":1,"num_words":18,"start":1081.11,"end":1086.585},{"sentences":[{"text":"Thank you.","start":1086.535,"end":1087.275,"sentiment":"positive","sentiment_score":0.35593070089817047}],"sentiment":"positive","sentiment_score":0.35593070089817047,"channel":0,"num_words":2,"start":1086.535,"end":1087.275},{"sentences":[{"text":"when when I get the chance, I will read through it 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explain.","start":1100.23,"end":1101.4299,"sentiment":"positive","sentiment_score":0.34412235021591187},{"text":"We do have in there, as I mentioned, the limited scope around the retirement aspect.","start":1101.4299,"end":1105.27,"sentiment":"neutral","sentiment_score":0.07737074668208758},{"text":"So I do do some modeling for to sort of see where this is taking you long term based on our current projections.","start":1105.27,"end":1110.65,"sentiment":"neutral","sentiment_score":0.09566418599823247}],"sentiment":"neutral","sentiment_score":0.13949009141122753,"channel":0,"num_words":44,"start":1098.63,"end":1110.65},{"sentences":[{"text":"I know you're aiming for an incoming retirement of about 95,000 per annum.","start":1111.455,"end":1116.595,"sentiment":"neutral","sentiment_score":0.08596475766255306},{"text":"This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen.","start":1116.895,"end":1140.22,"sentiment":"neutral","sentiment_score":0.11878409149916205},{"text":"So it's not quite not quite meeting your goal there at the moment, but this is just the starting point.","start":1140.22,"end":1145.335,"sentiment":"neutral","sentiment_score":-0.06586488615721464},{"text":"We can look down the track at additional contributions.","start":1145.335,"end":1147.595,"sentiment":"neutral","sentiment_score":0.06874676917990048},{"text":"When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly 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how often did you want us to do them?","start":1216.8,"end":1219.8401,"sentiment":"neutral","sentiment_score":0.1070712407430013},{"text":"Do you wanna maybe check-in with me once every quarter or every six months?","start":1219.8401,"end":1223.225,"sentiment":"neutral","sentiment_score":0.0652459314359086},{"text":"What's comfortable for you and your lifestyle at the moment?","start":1223.225,"end":1225.8049,"sentiment":"neutral","sentiment_score":0.11665198504924774}],"sentiment":"neutral","sentiment_score":0.09451362824974915,"channel":0,"num_words":39,"start":1216.8,"end":1225.8049},{"sentences":[{"text":"Six monthly is fine at this stage.","start":1227.1849,"end":1229.505,"sentiment":"neutral","sentiment_score":0.07365949345486504}],"sentiment":"neutral","sentiment_score":0.07365949345486504,"channel":1,"num_words":7,"start":1227.1849,"end":1229.505},{"sentences":[{"text":"Six 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I","start":1236.96,"end":1240.1599,"sentiment":"neutral","sentiment_score":-0.025641894684388086}],"sentiment":"neutral","sentiment_score":-0.006250633148565179,"channel":1,"num_words":21,"start":1233.52,"end":1240.1599},{"sentences":[{"text":"Yeah.","start":1239.98,"end":1240.48,"sentiment":"neutral","sentiment_score":-0.021905522793531414}],"sentiment":"neutral","sentiment_score":-0.021905522793531414,"channel":0,"num_words":1,"start":1239.98,"end":1240.48},{"sentences":[{"text":"I must you know, I haven't checked it since I last spoken to 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generally,","start":1263.6901,"end":1264.43,"sentiment":"neutral","sentiment_score":-0.0029715513810515404}],"sentiment":"neutral","sentiment_score":-0.029480068609118462,"channel":1,"num_words":25,"start":1254.875,"end":1264.43},{"sentences":[{"text":"Yep.","start":1264.3301,"end":1264.8301,"sentiment":"neutral","sentiment_score":0.004916018806397915}],"sentiment":"neutral","sentiment_score":0.004916018806397915,"channel":0,"num_words":1,"start":1264.3301,"end":1264.8301},{"sentences":[{"text":"if it if it stays roughly where it is at the moment, what is my hub balance at the moment?","start":1264.49,"end":1270.11,"sentiment":"neutral","sentiment_score":0.007546476554125547}],"sentiment":"neutral","sentiment_score":0.007546476554125547,"channel":1,"num_words":20,"start":1264.49,"end":1270.11},{"sentences":[{"text":"I can jump in and let you 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updates.","start":1288.1399,"end":1294.0,"sentiment":"neutral","sentiment_score":0.12573641014319878}],"sentiment":"neutral","sentiment_score":0.09468078537082131,"channel":0,"num_words":44,"start":1284.0599,"end":1294.0},{"sentences":[{"text":"Yes.","start":1294.36,"end":1294.86,"sentiment":"neutral","sentiment_score":0.06912735849618912}],"sentiment":"neutral","sentiment_score":0.06912735849618912,"channel":1,"num_words":1,"start":1294.36,"end":1294.86},{"sentences":[{"text":"And as I said, you've got my email.","start":1294.46,"end":1295.98,"sentiment":"neutral","sentiment_score":0.06512320041656494},{"text":"If something's concerning you, email me.","start":1295.98,"end":1298.065,"sentiment":"neutral","sentiment_score":0.0464412085711956},{"text":"I do look at the markets on a regular basis.","start":1298.065,"end":1300.3049,"sentiment":"neutral","sentiment_score":0.04914150647819042},{"text":"I invest in my speaker, but also in my own name as 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fine.","start":1725.86,"end":1726.68,"sentiment":"neutral","sentiment_score":0.10669824481010437}],"sentiment":"neutral","sentiment_score":0.03784136970837911,"channel":1,"num_words":3,"start":1725.62,"end":1726.68},{"sentences":[{"text":"All good.","start":1727.37,"end":1728.1101,"sentiment":"positive","sentiment_score":0.47563636302948},{"text":"Perfect.","start":1728.3301,"end":1728.8301,"sentiment":"positive","sentiment_score":0.7298574447631836},{"text":"Thank you so much for your time this morning.","start":1729.4501,"end":1731.4501,"sentiment":"positive","sentiment_score":0.8261942664782206},{"text":"I really appreciate it.","start":1731.4501,"end":1732.91,"sentiment":"positive","sentiment_score":0.7711495012044907}],"sentiment":"positive","sentiment_score":0.7625922858715057,"channel":0,"num_words":16,"start":1727.37,"end":1732.91},{"sentences":[{"text":"No.","start":1733.185,"end":1733.425,"sentiment":"neutral","sentiment_score":0.17481637001037598},{"text":"Thank you, Dana.","start":1733.425,"end":1734.025,"sentiment":"positive","sentiment_score":0.5888694922129313},{"text":"I appreciate the work you you and your team have gone through for me, sir.","start":1734.025,"end":1737.265,"sentiment":"positive","sentiment_score":0.76592485109965},{"text":"That's great.","start":1737.265,"end":1737.8251,"sentiment":"positive","sentiment_score":0.836782842874527},{"text":"Thank you.","start":1737.8251,"end":1738.485,"sentiment":"positive","sentiment_score":0.7018802762031555}],"sentiment":"positive","sentiment_score":0.7177227761434473,"channel":1,"num_words":23,"start":1733.185,"end":1738.485},{"sentences":[{"text":"No.","start":1738.2949,"end":1738.615,"sentiment":"neutral","sentiment_score":0.2773747444152832},{"text":"Not a problem at all.","start":1738.615,"end":1739.6549,"sentiment":"positive","sentiment_score":0.5038055419921875},{"text":"You have a lovely day.","start":1739.6549,"end":1740.855,"sentiment":"positive","sentiment_score":0.7537020444869995},{"text":"I'll talk to you really soon.","start":1740.855,"end":1742.235,"sentiment":"positive","sentiment_score":0.4984633723894755}],"sentiment":"positive","sentiment_score":0.5620995830087101,"channel":0,"num_words":17,"start":1738.2949,"end":1742.235},{"sentences":[{"text":"Thank you.","start":1742.545,"end":1743.4451,"sentiment":"positive","sentiment_score":0.6536883413791656}],"sentiment":"positive","sentiment_score":0.6536883413791656,"channel":1,"num_words":2,"start":1742.545,"end":1743.4451},{"sentences":[{"text":"Thanks, Darren.","start":1743.735,"end":1744.455,"sentiment":"positive","sentiment_score":0.5803663730621338},{"text":"Talk soon.","start":1744.455,"end":1745.015,"sentiment":"positive","sentiment_score":0.4280789643526077},{"text":"See you later.","start":1745.015,"end":1745.755,"sentiment":"positive","sentiment_score":0.34273528059323627},{"text":"Bye.","start":1745.815,"end":1746.315,"sentiment":"neutral","sentiment_score":0.2064468115568161}],"sentiment":"positive","sentiment_score":0.406442916020751,"channel":0,"num_words":8,"start":1743.735,"end":1746.315},{"sentences":[{"text":"Bye bye.","start":1745.905,"end":1746.645,"sentiment":"neutral","sentiment_score":0.014728829264640801}],"sentiment":"neutral","sentiment_score":0.014728829264640801,"channel":1,"num_words":2,"start":1745.905,"end":1746.645}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial Allpoint Financial discuss personal insurance and estate planning with customers. They recommend retaining certain insurance policies and adjusting their portfolios to make it cheaper in the future. The speakers emphasize the importance of risk management and managing risk for the customer. They also emphasize the importance of reducing risk and increasing investment for the customer, and offer to provide updates on estate planning and retirement plans. Customers are advised to update beneficiaries and keep documents in case of changes. The speakers suggest avoiding filling out estate planning documents and scheduling catch-ups with customers."},"intents":{"segments":[{"text":"If you're somewhere secure because we are discussing your personal information, it's absolutely fine. If not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself. It's completely up to you. Hang on.","start_word":83,"end_word":132,"intents":[{"intent":"Report security concerns","confidence_score":0.000099896075}]},{"text":"Our documents do stay valid for sixty days.","start_word":443,"end_word":450,"intents":[{"intent":"Update documents","confidence_score":0.287363}]},{"text":"So I am recommending that we do retain both your hub 20 four and your care super.","start_word":795,"end_word":811,"intents":[{"intent":"Recommend keeping caresuper and care super","confidence_score":0.023519639}]},{"text":"So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper.","start_word":981,"end_word":997,"intents":[{"intent":"Recommend keeping caresuper and policies","confidence_score":0.0039072046}]},{"text":"So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper. You currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment.","start_word":981,"end_word":1025,"intents":[{"intent":"Recommend retaining caresuper and care super policies","confidence_score":0.026582625}]},{"text":"I'd rather keep that then. Absolutely.","start_word":1068,"end_word":1073,"intents":[{"intent":"Recommend keeping and updating information","confidence_score":0.0000061566675}]},{"text":"So it is about retaining both of those funds at the moment.","start_word":1109,"end_word":1120,"intents":[{"intent":"Retain funds","confidence_score":0.6860451}]},{"text":"We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa.","start_word":1121,"end_word":1136,"intents":[{"intent":"Maintain balance","confidence_score":0.6066121}]},{"text":"We'll make sure a new TPA is applied to the policy. It does look the TPA has lapsed with them. So I'll go back and add a new authority onto the policy.","start_word":1231,"end_word":1262,"intents":[{"intent":"Add new tpa","confidence_score":0.009467524}]},{"text":"We can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover.","start_word":1306,"end_word":1329,"intents":[{"intent":"Check balance","confidence_score":0.41543442}]},{"text":"I did also, as an alternative, consider transfer terms. So canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four.","start_word":1395,"end_word":1424,"intents":[{"intent":"Consider transfer terms","confidence_score":0.6088764}]},{"text":"And the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover.","start_word":1443,"end_word":1476,"intents":[{"intent":"Address costs","confidence_score":0.000043874392}]},{"text":"is it is it still worth keeping the income protection as well?","start_word":1554,"end_word":1565,"intents":[{"intent":"Recommend keeping income protection","confidence_score":0.31879434}]},{"text":"And, unfortunately, when we get into our fifties, things do become a lot more expensive. The risk of us claiming increases, so Yeah. we are seen as very high risk, unfortunately. So I've I've That's got all fine. those in the appendix. All good. No. That's cool. That's what my fees are paying you paying you to do. Looking to be.","start_word":1829,"end_word":1889,"intents":[{"intent":"Evaluate costs","confidence_score":0.0004054257}]},{"text":"I am looking to change some of the investments. So we did note when we spoke last time, some of the investments have been underperforming there. So what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you.","start_word":2007,"end_word":2067,"intents":[{"intent":"Change portfolio","confidence_score":0.27855742},{"intent":"Discuss portfolio changes","confidence_score":0.057360187}]},{"text":"Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech. It has been very volatile. It is still a good investment to have. However, this newer portfolio is cheaper and has been working much better.","start_word":2132,"end_word":2173,"intents":[{"intent":"Removing battery/lithium tech","confidence_score":0.00076348626}]},{"text":"It is still a good investment to have. However, this newer portfolio is cheaper and has been working much better.","start_word":2154,"end_word":2173,"intents":[{"intent":"Addressing volatility","confidence_score":0.044371482}]},{"text":"However, this newer portfolio is cheaper and has been working much better.","start_word":2162,"end_word":2173,"intents":[{"intent":"Evaluate portfolio effectiveness","confidence_score":0.013115016}]},{"text":"And this one has done really, really well. It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important. Okay?","start_word":2445,"end_word":2475,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.002682659}]},{"text":"One of the things with this newer portfolio is that it's not sort of more actively managed. It's more of a passively managed portfolio. It's these investments attracting a certain industry, which is great. That tends to keep it a lot more cheaper for you. You're not paying for high end investment managers who are trying to outperform the market and taking more risk in the back end of the market.","start_word":2544,"end_word":2614,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.2724417}]},{"text":"We know some years you're gonna get greater returns. We've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic. And with the volatility we are seeing this year, I would expect we might see a little bit lower of returns. So Yep.","start_word":2928,"end_word":2975,"intents":[{"intent":"Analyze market trends","confidence_score":0.13535653}]},{"text":"I mean And we'll make sure that we're updating things with you and checking in to see how things are going.","start_word":3553,"end_word":3573,"intents":[{"intent":"Monitor portfolio updates","confidence_score":0.0022651642}]},{"text":"We do have in there, as I mentioned, the limited scope around the retirement aspect. So I do do some modeling for to sort of see where this is taking you long term based on our current projections.","start_word":3684,"end_word":3721,"intents":[{"intent":"Analyze retirement projections","confidence_score":0.0031672465}]},{"text":"I know you're aiming for an incoming retirement of about 95,000 per annum.","start_word":3722,"end_word":3734,"intents":[{"intent":"Reach retirement target","confidence_score":0.00041809754}]},{"text":"This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen.","start_word":3735,"end_word":3807,"intents":[{"intent":"Maintain super working","confidence_score":0.037296854}]},{"text":"We can look down the track at additional contributions. When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly similar.","start_word":3828,"end_word":3868,"intents":[{"intent":"Extend contributions","confidence_score":0.004801431}]},{"text":"I mean, who knows what what cost of living is gonna be like in another ten ten years or so. But Correct.","start_word":3975,"end_word":3996,"intents":[{"intent":"Calculate cost of living","confidence_score":0.34382558}]},{"text":"Moving forward with the catch ups, how often did you want us to do them? Do you wanna maybe check-in with me once every quarter or every six months?","start_word":4060,"end_word":4088,"intents":[{"intent":"Schedule catch ups","confidence_score":0.15456496}]},{"text":"So I am looking at the markets at what's happening.","start_word":4362,"end_word":4371,"intents":[{"intent":"Report market fluctuations","confidence_score":0.002466098}]},{"text":"So once we remove Benelon out of there, get the a 200 in, make those changes to the portfolio, then let it sit for a little bit, let it do its thing through these market ups and downs, then we'll come back and review what it's doing for you. But it is it is all Benelon kinda holding it back at the moment. Okay?","start_word":4737,"end_word":4800,"intents":[{"intent":"Reset portfolio","confidence_score":0.000030812622}]},{"text":"Well, do everything I can to help you kind of make it all back. Okay?","start_word":4820,"end_word":4834,"intents":[{"intent":"Help with estate planning","confidence_score":0.40247044}]},{"text":"The last part of the advice is just the the estate planning side of things. So you we just wanna make sure your beneficiaries are up to date.","start_word":4842,"end_word":4869,"intents":[{"intent":"Ensure beneficiaries get updated","confidence_score":0.000014456554}]},{"text":"So nonbinding means that you've made the nomination, but the trustee if you pass away, the trustee has discretion to make that decision so they don't have to follow the direction. It doesn't bind them Yeah.","start_word":4958,"end_word":4993,"intents":[{"intent":"Confirm binding and nonbinding","confidence_score":0.06273621},{"intent":"Confirm nonbinding for trustees","confidence_score":0.000044310906}]},{"text":"Sync. I'll double Yeah.","start_word":5044,"end_word":5047,"intents":[{"intent":"Check synchronization of latencies","confidence_score":0.0005159888}]},{"text":"I still wanted to have this in the advice to sort of, like, this is where we're starting off with the with the estate planning side of things. We'll make sure that everything is in line because binding, non lapsing binds the trustee to follow that direction so long as your nomination is valid. And non lapsing means you don't have to keep filling out the document. These are Yeah.","start_word":5080,"end_word":5149,"intents":[{"intent":"Ensure compliance with estate planning","confidence_score":0.005968171}]},{"text":"annoying documents to fill out. So filling it out once, and then we review that with you continuously to make sure it remains in line with your needs. And when something changes, if you say, hey. That's not suitable anymore, then we'll Yep. look to change that with you. Yeah.","start_word":5150,"end_word":5199,"intents":[{"intent":"Clarify huhs' nonlacing ability to fill out and change requirements.","confidence_score":6.1220355e-11}]},{"text":"I'm pretty I'm pretty sure they're both I I I know Hubs is non latching. Correct?","start_word":5205,"end_word":5220,"intents":[{"intent":"Highlight need for hudd not latching","confidence_score":0.0000016832553}]},{"text":"I'm pretty I'm pretty sure they're both I I I know Hubs is non latching. Correct? Yes.","start_word":5205,"end_word":5221,"intents":[{"intent":"Confirm understanding of hudd's non-lacing documents","confidence_score":0.000028271132},{"intent":"Ensure hudd's compatibility.","confidence_score":1.8989333e-8}]},{"text":"If you can avoid that, absolutely. They make these 90 nominations very difficult to fill out, and they shouldn't do, but they absolutely do make them hard. So if we can alleviate that pressure on you, we'll 100% help you out with it. But I wanted to have have that in there. That's my recommendation with those estate planning.","start_word":5271,"end_word":5329,"intents":[{"intent":"Recommend avoiding wasting unnecessary paperwork","confidence_score":0.00014786761}]},{"text":"welcome to let me know if you have any additional questions. I've gone through everything I needed to touch base on. The rest of the document does have a lot around the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well. So you're welcome to run your eyes over that, have a read through anything. And if you find us any questions, let me know.","start_word":5467,"end_word":5535,"intents":[{"intent":"Give feedback","confidence_score":0.00023490944}]}]},"sentiments":{"segments":[{"text":"Morning. Darren speaking. Hi, Darren. It's Dana from OQ Financial. How are you this morning? Hey.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1501011997461319},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.41640955209732056},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.30989861488342285},{"text":"I'm very well. Thank you. I had you booked in just to run through your updated advice piece. Is now a good time there for you?","start_word":20,"end_word":45,"sentiment":"positive","sentiment_score":0.4493906795978546},{"text":"Yeah. Yep.","start_word":46,"end_word":47,"sentiment":"neutral","sentiment_score":0.19324305653572085},{"text":"Beautiful.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4196246564388275},{"text":"Do you happen to have access to your emails there as well? If you don't, that's okay. Don't worry. Yeah. They're on my phone. I'll have to Yep. be on on speaker. That's okay. If you're somewhere secure because we are discussing your personal information, it's absolutely fine. If not, I'm happy just to run through the recommendations, send this to you, and you can have a look at it later on when it's easier for yourself. It's completely up to you. Hang on. Give me give me a sec. Yeah. You're right.","start_word":49,"end_word":141,"sentiment":"neutral","sentiment_score":0.17123454809188843},{"text":"Excellent. I'm I'm sending the email through to you now as well. That way, it's on its way to you.","start_word":142,"end_word":161,"sentiment":"positive","sentiment_score":0.3928893506526947},{"text":"It's got the advice document attached there. Just while that is coming through, Darren, I do have to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. That's Yep. all.","start_word":162,"end_word":207,"sentiment":"neutral","sentiment_score":0.1812431514263153},{"text":"Lovely. Excellent.","start_word":208,"end_word":209,"sentiment":"positive","sentiment_score":0.436775803565979},{"text":"And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file for you. Darren Edwards or Darren Anthony Edwards. First of birth Yep. 07/01 Yep. 6 Mayberry Way, Werribee.","start_word":210,"end_word":253,"sentiment":"neutral","sentiment_score":0.11763380467891692},{"text":"Beautiful. Thank you so much for that. That email popped through there yet.","start_word":254,"end_word":266,"sentiment":"positive","sentiment_score":0.4488580822944641},{"text":"Yep. I've got it. Yep. Yep. Beautiful. So when you open that one up there, you'll see it does have a little button that says sign. You do need to click on that to be able to move forward. However, it just lets you scroll up and down to the documents, so you don't actually have to sign it. You're welcome to take it back and have a read through it prior to taking on any of the recommendations. Okay? Yeah. I'm I'm yeah. I'm scrolling through it now, so I'll have a Yep. quick sticky back. Yeah. That's okay.","start_word":267,"end_word":366,"sentiment":"neutral","sentiment_score":0.15519230037927628},{"text":"Not a problem at all. I'll run through the things that I need to. Feel free to let me know if you do happen to have any questions. I'll try to keep it nice and brief for you, and then you're able to go back and have a really good read of it.","start_word":367,"end_word":419,"sentiment":"positive","sentiment_score":0.5284379124641418},{"text":"Okay? Yes. That's four.","start_word":420,"end_word":423,"sentiment":"neutral","sentiment_score":0.2791702449321747},{"text":"Perfect.","start_word":424,"end_word":424,"sentiment":"positive","sentiment_score":0.7361488342285156},{"text":"Now, Darren, the advice has been provided for yourself as of the 03/30/2026 when we completed the document. Our documents do stay valid for sixty days. On the bottom there, it does note my authorized representative number. I'm registered through Aspik as a registered financial adviser, and my number is 1304394. This document was updating your circumstances by looking at areas of superannuation as you're hoping to be able to retire by the age of 67, hoping to draw an income of about 95,000 per year in retirement at the moment. We also looked at the personal insurance aspect. You've got your life, your safety, income protection now. You want us to see if we could get something different for you. You were aiming to have between 350 to 400,000 of life and CBD cover and TBD if you are unable to work or passing away to protect your family. We've also looked at the estate planning side of things to make sure that your beneficiary nominations are in line with your goals, And we've also, on a limited basis, scoping the Social Security side of things and retirement planning. So whilst we're not quite there yet, you've got a bit of time ahead of you still. We've scoped that into a limited base to show you the projected outcome based on the recommendations we're making currently. And this is fluid, so we'll keep updating the recommendations as we need to as your life changes as we are working towards the goal long term. Okay? Yep. Areas that we've not considered.","start_word":425,"end_word":685,"sentiment":"neutral","sentiment_score":0.11144950240850449},{"text":"So we're not providing any cash flow or savings advice at the moment.","start_word":686,"end_word":698,"sentiment":"negative","sentiment_score":-0.5017297863960266},{"text":"However, down the track, if you need additional advice in these sorts of areas, you're welcome to let me know. Okay? Okay.","start_word":699,"end_word":720,"sentiment":"neutral","sentiment_score":0.08273633569478989},{"text":"Beautiful.","start_word":721,"end_word":721,"sentiment":"positive","sentiment_score":0.5907528400421143},{"text":"Now as you are running through the document, you've got the about you and your assets and liabilities. This has all been updated since our last conversation. Now when you do review that one, if you do find there are any updates that needs to be made to those, please let me know.","start_word":722,"end_word":774,"sentiment":"neutral","sentiment_score":0.1445871740579605},{"text":"I'm more than happy to do so.","start_word":775,"end_word":781,"sentiment":"positive","sentiment_score":0.7222087979316711},{"text":"Okay. Okay. No worries. Yep.","start_word":782,"end_word":786,"sentiment":"neutral","sentiment_score":0.2099412977695465},{"text":"Excellent.","start_word":787,"end_word":787,"sentiment":"positive","sentiment_score":0.6311852335929871},{"text":"Now with the recommendations, firstly, the super. So I am recommending that we do retain both your hub 20 four and your care super. I've got the appendix, and I'll show you in the appendix when you're looking at it essentially the outcome there. I had a look at the insurance side of things really deeply. So we did do that pre and Yes. we went back to the insurers and looked at the outcome there.","start_word":788,"end_word":863,"sentiment":"neutral","sentiment_score":0.1026773601770401},{"text":"Unfortunately, because of your health history, disability cover was gonna have three easy exclusions, which meant you weren't gonna be able to claim on any of the policies for any of your preexisting medical conditions, which basically meant you were gonna be it's gonna be very hard to claim on any disability policies even if they offered them.","start_word":864,"end_word":921,"sentiment":"negative","sentiment_score":-0.35304537415504456},{"text":"Generally, Okay. when an insurer has three exclusions on a disability cover, it's a straight decline. So if they were willing to offer cover with those exclusions, it would make it very, very hard to claim and very expensive to to have. Otherwise, a lot of them came back and said there would be a straight decline for you. So I have recommended we retain your CareSuper and retain the policies you do have with CareSuper. You currently have about three hundred and ninety four thousand of life and TBD, and those policies don't have any loadings or exclusions on them at the moment.","start_word":922,"end_word":1025,"sentiment":"neutral","sentiment_score":-0.18962951004505155},{"text":"So I would be very unsure about replacing a policy that you can hardly claim on for a Yes. policy that would have a lot more restrictions around claiming and be more expensive for doing so.","start_word":1026,"end_word":1061,"sentiment":"negative","sentiment_score":-0.37758147716522217},{"text":"No. Okay? That's that's fair enough. I'd rather keep that then. Absolutely.","start_word":1062,"end_word":1073,"sentiment":"neutral","sentiment_score":-0.06193116679787636},{"text":"It's good that we've gone back and we've had a really good look so we understand where things are at for you, and we have a bit of a starting point moving forward as well.","start_word":1074,"end_word":1108,"sentiment":"positive","sentiment_score":0.6699100136756897},{"text":"So it is about retaining both of those funds at the moment. We'll keep your contributions going into CareSoupa, and we do wanna retain a balance in CareSoupa. So every year, we do the reviews with you. We're gonna go over and roll everything bar 15,000. I'm keeping 15,000 in CareSoupa Slaver because it's a minimum of 10,000 to make sure we're hitting the minimum threshold. We're accounting for volatility in the market, but then also on top of that leaving enough reinsurance premiums there. So it's giving you a buffer in case of market downturns, which with the volatility we are seeing is a possibility there. So you'll keep both those funds, keep your contributions going into CareSuper there for me. We'll make sure a new TPA is applied to the policy. It does look the TPA has lapsed with them. So I'll go back and add a new authority onto the policy. I'll look after both of those accounts for you. We do wanna retain 15,000 in CareSlooper. And then when we do reviews with you, everything over that 15,000 will be rolled into hub twenty four. We can do it on a yearly basis. We can also check every couple of months to see what the balance is and whether it's worth doing a bit of a rollover. So when we do the catch ups with you, we'll make sure we call carefully if we get a balance from them, and then we could decide whether we dollar cost average enroll money over on a regular basis or whether we do it once a year depending on your circumstances at the time. Does that make sense so far? Sure, Val.","start_word":1109,"end_word":1391,"sentiment":"neutral","sentiment_score":0.12131637334823608},{"text":"That's fine. Beautiful.","start_word":1392,"end_word":1394,"sentiment":"positive","sentiment_score":0.396340012550354},{"text":"I did also, as an alternative, consider transfer terms. So canceling the IP as you sort of had originally wanted and transferring your cover from CareSuper into hub twenty four. Transfer terms is basically transferring the same level of cover. However, the risk factor is slightly different. And the hub twenty four transfer terms, while it was possible to do, it actually came out about a thousand dollars more expensive than what you're currently paying for the same level of cover. And hub twenty four do have on those transfer terms exclusion period where preexisting conditions can't be claimed for a certain period of time. So, I determined with the increase in cost for the same level of cover and having an exclusion period on preexisting conditions, it was better for you to retain CareSuper and have twenty four as two separate funds, and we monitor everything for you the way it is. Okay? Yeah. That's fine. So Yep. is it is it still worth keeping the income protection as well? It is because I also looked at canceling that, and I don't know how CareSuper do this, but we did a quote with CareSuper to see if canceling the income protection was gonna make the policy cheaper for you, and it unfortunately increased the cost of it. So because they bundle a life TBD and income protection, I think you're getting a bit of a multi policy discount in Next time. with Yep. inside there. It actually increased the policy quite significantly, and we've added all those quotes into the appendix so you can see them.","start_word":1395,"end_word":1661,"sentiment":"neutral","sentiment_score":-0.04274909368503406},{"text":"But it actually worked out in your benefit whilst the income protection's just under the 70% there. It is giving you a little bit of an additional buffer in the event you had the claim, and it's actually keeping the policy slightly cheaper for you, which is gonna give you a greater benefit long term.","start_word":1662,"end_word":1716,"sentiment":"positive","sentiment_score":0.5202546715736389},{"text":"So I'm gonna recommend you keep all three of those policies as they are, just until you don't need them anymore at a point where your super balance is good, you've got no debt, you're comfortable with not having any life saving your income protections, then we can look to consolidate and But that comes down to when it's comfortable for you to do so. If we get to 60 and then we decide you no longer need them anymore, that's absolutely okay. But we'll just keep monitoring things with you long term. But it all came down to what you have, what you needed, but also what was cost effective.","start_word":1717,"end_word":1827,"sentiment":"neutral","sentiment_score":0.206740602850914},{"text":"And, unfortunately, when we get into our fifties, things do become a lot more expensive. The risk of us claiming increases, so Yeah. we are seen as very high risk, unfortunately.","start_word":1828,"end_word":1858,"sentiment":"negative","sentiment_score":-0.42412909865379333},{"text":"So I've I've That's got all fine. those in the appendix.","start_word":1859,"end_word":1869,"sentiment":"neutral","sentiment_score":-0.04629241302609444},{"text":"All good.","start_word":1870,"end_word":1871,"sentiment":"positive","sentiment_score":0.33390387892723083},{"text":"No. That's cool. That's what my fees are paying you paying you to do. Looking to be.","start_word":1872,"end_word":1888,"sentiment":"neutral","sentiment_score":0.1099909245967865},{"text":"Absolutely. It is.","start_word":1889,"end_word":1891,"sentiment":"positive","sentiment_score":0.34724316000938416},{"text":"It is. And that's why I put them in the appendix. So when you are looking at that document, you can go through and have a look at the difference in quotes. I've got the different projection tables in there to show you the outcome and why we've gone the way we have with this one. Okay? No. That's fine. Yeah. That's fine.","start_word":1892,"end_word":1954,"sentiment":"neutral","sentiment_score":0.09405872225761414},{"text":"Excellent.","start_word":1955,"end_word":1955,"sentiment":"positive","sentiment_score":0.48859381675720215},{"text":"Now with your hub 24, I'm not changing any of the investments within your care, Sue, but everything there looks to be fine at the moment. We would be rolling because you've got a bit over 21,000 in there at the moment, rolling about 6,453 from CareSoup in the hub 24. I am looking to change some of the investments. So we did note when we spoke last time, some of the investments have been underperforming there. So what I'm gonna do is I'm altering your portfolio to put you into something that is a bit more cheaper when the way of investment fees, but also making sure it's working for you. If you're looking at the document, if you wanna look at page number twenty five and twenty six, this shows you the changes I'll be making with the investments for you. Yeah. I'll I'll Perfect. I'm not looking at it now, but I will look at look at that Yeah. look at it That's after. Yep. that's okay. That's not a problem at all. Essentially, what we're gonna be doing is we're gonna get rid of the battery and lithium tech. It has been very volatile.","start_word":1956,"end_word":2153,"sentiment":"neutral","sentiment_score":0.0602109394967556},{"text":"It is still a good investment to have.","start_word":2154,"end_word":2161,"sentiment":"positive","sentiment_score":0.4144209027290344},{"text":"However, this newer portfolio is cheaper and has been working much better. So removing all of the battery and lithium tech, removing all of the agriculture in the investment portfolio, we're keeping some cybersecurity and just topping that up a little bit. We're still gonna keep exposure sorry. We're getting bit of exposure into Asia and keeping exposure into Europe and topping that up a little bit for you. We are keeping the exposure into the S and P 500, the top 500 companies in The US, and just topping that up a little bit there as well. We'll be getting rid of the Global Healthcare, getting rid of the Vanguard diversified index, and getting rid of the Vanna Long Australian equities, which has been severely underperforming for you in your portfolio. And we're gonna increase exposure and add in exposure to Japan. We're gonna keep the diversification by making sure you've got global access and putting you into the Vanguard all world ex US. So that's giving you access to well established countries, all countries except for The US, essentially, so giving you diversified worldwide exposure into all the different industries there. It's into a well established industries and companies and established markets as well as some up and coming as well. So we're giving you a little bit of exposure into what has already been established, but also up and coming areas and changes that we see. The Vanguard all wealth all world index tracks the all world basically, the entire market by The US.","start_word":2162,"end_word":2418,"sentiment":"neutral","sentiment_score":0.05360902611035781},{"text":"So it's about making sure you've got diversification, but also investments that have a good track record, and that have performed really well in the past. And this one has done really, really well. It's also helping to reduce the cost of your portfolio, which means more money stays invested for you, which is really important.","start_word":2419,"end_word":2474,"sentiment":"positive","sentiment_score":0.5104458928108215},{"text":"Okay? Okay. With removing the Vanguard Australian Equities, we're putting the money into the a 200, the Australian 200. So it's still giving you access to Australian equities. It's tracking the top 200 companies on the ASX.","start_word":2475,"end_word":2511,"sentiment":"neutral","sentiment_score":0.19395415484905243},{"text":"And the good thing about this investment is it's cheaper than the the than a long Australian equities, but it's also making sure you always invest in the top 200 companies.","start_word":2512,"end_word":2542,"sentiment":"positive","sentiment_score":0.4805901646614074},{"text":"One of the things with this newer portfolio is that it's not sort of more actively managed. It's more of a passively managed portfolio.","start_word":2543,"end_word":2566,"sentiment":"neutral","sentiment_score":-0.05265041813254357},{"text":"It's these investments attracting a certain industry, which is great. That tends to keep it a lot more cheaper for you.","start_word":2567,"end_word":2587,"sentiment":"positive","sentiment_score":0.5638226866722107},{"text":"You're not paying for high end investment managers who are trying to outperform the market and taking more risk in the back end of the market. We're tracking indices, and we're sitting in investments that have seen a greater track record that have shown that they can perform and have withstood market volatility in the past, which is important as well. Okay? K. The a 200 gives you access to the top 200 companies on the ASF and tracks the top 200 companies there. So one of the benefits of the a 200, and you get this benefit with the S and P as well, is that the industry the the investment committee for the industry, sorry, meet every quarter. So where a company no longer meets the criteria to be in the top 200 of Australian on the ASEC or the S and P 500, they are removed from that industry, in which case they're removed out of these investments as well. So you are always tracking the top con the top companies on the S and P and in the a 200 and not having to sit with underperforming investments.","start_word":2588,"end_word":2779,"sentiment":"neutral","sentiment_score":0.2124561071395874},{"text":"It's also cheaper and taking a lot more lower risk, which is really important for you as well.","start_word":2780,"end_word":2797,"sentiment":"positive","sentiment_score":0.4299604594707489},{"text":"Okay? Alright. So Yes. bottom bottom line with the changes, Yep. what am I I know it's hard because of market at the moment, but Yeah. what what's the standard growth on a on a 12 monthly basis with the super base? Sort of I know it's hard to use to give me accurate. It's sort No. of ballpark Yeah. area Absolutely. with all. So we are moving you down into more that growth environment, which is taking a bit more low risk. And the expectation of what we're looking for, we're hoping for out of a growth portfolio between seven to 9% on a yearly basis.","start_word":2798,"end_word":2904,"sentiment":"neutral","sentiment_score":0.05829578638076782},{"text":"If you can get that, you know, moving forward, you'll be pretty well working on track for that portfolio, which is great.","start_word":2905,"end_word":2926,"sentiment":"positive","sentiment_score":0.4658752381801605},{"text":"We know some years you're gonna get greater returns.","start_word":2927,"end_word":2935,"sentiment":"neutral","sentiment_score":0.2589702606201172},{"text":"We've seen growth portfolios over the last twelve months get upwards of 20%, which is fantastic.","start_word":2936,"end_word":2951,"sentiment":"positive","sentiment_score":0.6086379289627075},{"text":"And with the volatility we are seeing this year, I would expect we might see a little bit lower of returns. So Yep. something under seven percent, but that's because there's a lot of uncertainty and a lot of movement in the market at the moment. But what we wanna Yeah. do is make these yeah. But Sorry. yeah. I get yeah. I get that. I mean, markets tend to stabilize every every three to when I say every three to five Yeah. years, the the the Yeah. market tend to go through dips like this every three to five years, then stabilize Absolutely.","start_word":2952,"end_word":3055,"sentiment":"neutral","sentiment_score":-0.0874510183930397},{"text":"with good growth. Absolutely.","start_word":3056,"end_word":3059,"sentiment":"positive","sentiment_score":0.44220131635665894},{"text":"It's Yeah. like a systematic readjustment. It's like he's he's Yep. done he's done his war to readjust the stock market. Absolutely. This it was very overvalued, and it still technically is because the pullback hasn't been that much. I had a look when I was looking at the all odds with the all odds, and it's essentially giving you a combination of the entire market. And when I looked at the other day, over the last few months, it was down by about 7% as Yes. a total. That's not a huge increase. Sorry. That's not a massive pullback when No. you consider. Over the last sort of three to four years, we've actually seen a good 20 or 30% return of the market as a whole. So it's just a slight pullback. It's not a depression or anything crazy. It's seen as a bit more of a correction. Yeah. It is gonna come back, and these investments we're putting you in have been through COVID times. They've been through the DFC. They've seen Yeah. very large market dips and then come back and recovered. So and that's what's really important to me, making sure that you're in something passive that's lower in phase. The portfolio the investment fees, if you when you're looking at the table there on page number 29, it actually shows you by making these changes here, you're actually gonna save for the first year about $715 in investment fees.","start_word":3060,"end_word":3304,"sentiment":"neutral","sentiment_score":0.0036760015907336256},{"text":"That's a pretty big saving on investment fees, Yes. making sure that more money is invested for you working harder.","start_word":3305,"end_word":3324,"sentiment":"positive","sentiment_score":0.4909606873989105},{"text":"And the CGT, because they're no longer been underperforming, the CGT consequences for making these changes, it's about a $159. So not a bad CGT consequence.","start_word":3325,"end_word":3350,"sentiment":"neutral","sentiment_score":0.15884242951869965},{"text":"We're retaining as much as we possibly can and making sure that you're in a low cost, well performing portfolio. We are reducing the risk of it.","start_word":3351,"end_word":3377,"sentiment":"positive","sentiment_score":0.4210806488990784},{"text":"Also, we're moving you out of the high growth environment into the growth environment.","start_word":3378,"end_word":3391,"sentiment":"neutral","sentiment_score":0.30419546365737915},{"text":"You're reducing your risk in the market by about 10%, which is good.","start_word":3392,"end_word":3404,"sentiment":"positive","sentiment_score":0.42106175422668457},{"text":"It is time to start sort of pulling back a little bit, especially in these volatile times. And the portfolio that we have looked at, we've looked at a five year rolling average to show what it has averaged over the past five years, but the the portfolio we're moving into has averaged about 12.6%. So it's not by any means saying that you're gonna get that every year. Not. It's saying this is what it has averaged when we look at it over the past five years. So it has averaged a greater level of return, hoping to lower the risk level for you and reduce the overall fees as well. Okay? No. If if that can be if if that can be an average, a five Yep. year average of twelve twelve to 13%, That's pretty I good.","start_word":3405,"end_word":3544,"sentiment":"neutral","sentiment_score":0.06206714361906051},{"text":"I'd be happy. I'm happy with that. Absolutely.","start_word":3545,"end_word":3552,"sentiment":"positive","sentiment_score":0.5967101454734802},{"text":"I mean And we'll make sure that we're updating things with you and checking in to see how things are going. And you've got my email here as well. So if you can send about yep. anything, email me and let me know, and I'll talk you through it. Okay? No. That's AUC. fine.","start_word":3553,"end_word":3606,"sentiment":"neutral","sentiment_score":0.12635938823223114},{"text":"At at the moment, I'm extremely happy. So I I Beautiful.","start_word":3607,"end_word":3617,"sentiment":"positive","sentiment_score":0.4555830955505371},{"text":"I can't I can't I can't I can't complain what you've explained to me. So when when I'm Thank you. when when I get the chance, I will read through it and Yeah. and go through it in-depth. But at the moment, Yep. no. I'm I'm comfortable with where what you what you're Beautiful.","start_word":3618,"end_word":3671,"sentiment":"neutral","sentiment_score":0.0446670837700367},{"text":"planning to do, so that's good. Beautiful. Excellent.","start_word":3672,"end_word":3679,"sentiment":"positive","sentiment_score":0.5260269045829773},{"text":"I will also explain. We do have in there, as I mentioned, the limited scope around the retirement aspect. So I do do some modeling for to sort of see where this is taking you long term based on our current projections. I know you're aiming for an incoming retirement of about 95,000 per annum. This projection, when you are looking at it, shows you that the average we can get currently based on the recommendations shows that in retirement with age pension accessibility, which currently you will be eligible for, and also drawing out a super to give you longevity and keep your super working into the age of around about 91, we would be able to draw down about sixty one thousand nine hundred and nineteen. So it's not quite not quite meeting your goal there at the moment, but this is just the starting point. We can look down the track at additional contributions. When you're 60, the TTR advised looking at increasing contribution some way and, you know, helping to draw down a little bit to alleviate your expenditure and keep your income fairly similar. We can also look at other portfolios down the track and sort of see what we're doing. So this is a starting point to kinda get you back on track now, and then we'll keep building on that as we get closer and closer. Okay? Yeah. When I say the 95, I mean, that's currently my gross income. Yeah. So by Yep. the time you take the tax component out of it, that brings it It's down to lower. 7 anyway. So we're Absolutely. so we're not far off the mark. So No. No. Correct. by by being able to get part pension draw super, Yep. I mean, who knows what what cost of living is gonna be like in another ten ten years or so. But Correct. at the at the moment at the moment, we're we're pretty okay. So I'm not Yeah. stressing too much about that at Beautiful. the moment.","start_word":3680,"end_word":4021,"sentiment":"neutral","sentiment_score":0.07423584064065714},{"text":"More Beautiful.","start_word":4022,"end_word":4023,"sentiment":"positive","sentiment_score":0.4592452943325043},{"text":"getting more more getting more Yeah. super balance up where I've got that Yes. buffer not to stress Yep. about it too much. Absolutely. No. Correct. Absolutely. And I'll make sure we're working harder with you. Moving forward with the catch ups, how often did you want us to do them? Do you wanna maybe check-in with me once every quarter or every six months? What's comfortable for you and your lifestyle at the moment? Six monthly is fine at this stage. Six monthly? Just to Yep. you know, a six monthly review Yep. and update. I mean, I check my balances. I don't I'm not really just where I check it weekly, but I Yeah. I must you know, I haven't checked it since I last spoken to you. So Yeah. that's purely because I'm on holidays and that too. So I've stayed away from my laptop and opening up my my laptop to check emails and stuff. So Yeah. I'd probably check my super monthly. So if I see a significant downturn, I'll I'll get in contact and go, what's going on? But, generally, Yep. if it if it stays roughly where it is at the moment, what is my hub balance at the moment? I can jump in and let you know. Sorry. Two seconds. I'll jump in the hub real quick. There we go. Beautiful. While I'm jumping in here, I will make I've made a note here. It's a six monthly, so I'll make it down. It's in our calendar. Sorry. My admin team member, Michelle, she'll give you a call in a in a couple of months. We'll book in your first catch up, and we'll make sure that moving forward, these catch ups do occur for you so you are getting those updates. Yes. And as I said, you've got my email. If something's concerning you, email me. I do look at the markets on a regular basis. I invest in my speaker, but also in my own name as well. So I am looking at the markets at what's happening. And, you know, if there is a need of the concern, we'll definitely bring it up with you. Yep. Sorry. I have this taking a second to load, but Well, here considering we go. I hadn't heard I hadn't heard from anybody for for eighteen months, and I've had four phone calls and and stuff in the last six weeks. So I think I think, yeah, that you're gonna be on top of things looking after me. So Okay. Absolutely. Absolutely. We have had a little bit of a change in the business, so they set it up a bit more. So instead of having any adviser give you a call, it will just be me. I've put you into my book, yep. and so myself and Michelle will be the ones that make contact with you. You'll speak to her a lot as well as myself. You can call and book in extra times with you. You're not limited to just once every six months. If you are concerned or you want an extra catch up, you let me know or, you know, we can, yeah, make a time to catch up with you. I work longer Monday to Thursday, so I work after hours as well. So you you know, we'll make sure that we're here for you and that you do get those catch ups moving forward because it is really important that you are getting the value out of our service, and I wanna make sure that things are working harder for you. Okay? Not that far. Beautiful. So having a look now, I'm in here. Your balance in hub as of now, we're sitting at a 182,830. So K. on here, we So had it's it's dropped the vent 12 by 12. it's dropped about just over $2 at the moment. Yeah. Yeah. So slight dip in the market there.","start_word":4024,"end_word":4686,"sentiment":"neutral","sentiment_score":0.06992435068184254},{"text":"Been along sort of holding. Hasn't really come back in any way, shape, or form, but that's the one investment that over the course of everything is holding your portfolio back a little bit more.","start_word":4687,"end_word":4721,"sentiment":"negative","sentiment_score":-0.3702316284179687},{"text":"Because when I look at from inception, everything else has been performing really, really well.","start_word":4722,"end_word":4736,"sentiment":"positive","sentiment_score":0.4815550744533539},{"text":"So once we remove Benelon out of there, get the a 200 in, make those changes to the portfolio, then let it sit for a little bit, let it do its thing through these market ups and downs, then we'll come back and review what it's doing for you. But it is it is all Benelon kinda holding it back at the moment. Okay? Yeah. I've dropped about 15 a since the start of the year.","start_word":4737,"end_word":4812,"sentiment":"neutral","sentiment_score":-0.03868265822529793},{"text":"It has been a difficult one.","start_word":4813,"end_word":4818,"sentiment":"negative","sentiment_score":-0.4359778761863709},{"text":"Yeah. Well, do everything I can to help you kind of make it all back. Okay? Yep. No worries.","start_word":4819,"end_word":4837,"sentiment":"neutral","sentiment_score":0.08653698861598969},{"text":"That's fine. All good.","start_word":4838,"end_word":4841,"sentiment":"positive","sentiment_score":0.41700634360313416},{"text":"The last part of the advice is just the the estate planning side of things. So you we just wanna make sure your beneficiaries are up to date. So we are gonna recommend that you do binding non lapsing beneficiaries, nominating your wife receives everything in the event of that passing with CareSoup, but we weren't able to see exactly what it had noted there, but we're gonna go back and double No. check. It is Yeah? I have got hers nonbinding. Beautiful. It's numb so you've got a nonbinding? Yep. I'm Oh, gonna hang update on. that. You're right? No. I'm pretty sure they're both binding. Okay. Which binding what's the difference between the two? So nonbinding means that you've made the nomination, but the trustee if you pass away, the trustee has discretion to make that decision so they don't have to follow the direction. It doesn't bind them Yeah. to No. to I've follow done through. it. I've done no. I've done it I've done it in binding for both. Is it bind with the one in care sweep, it does it say binding non lapsing or binding lapsing? I'm pretty If sure it's you're not non sure. latencies. Sync. I'll double Yeah. I Perfect. can double I'll double check that for you. I'm Yep. pretty sure they buy it from non lap sync.","start_word":4842,"end_word":5068,"sentiment":"neutral","sentiment_score":0.01724684309001011},{"text":"Beautiful. Because I wanna make sure that they both definitely are.","start_word":5069,"end_word":5079,"sentiment":"positive","sentiment_score":0.5533932447433472},{"text":"I still wanted to have this in the advice to sort of, like, this is where we're starting off with the with the estate planning side of things. We'll make sure that everything is in line because binding, non lapsing binds the trustee to follow that direction so long as your nomination is valid. And non lapsing means you don't have to keep filling out the document. These are Yeah.","start_word":5080,"end_word":5149,"sentiment":"neutral","sentiment_score":0.0951349288225174},{"text":"annoying documents to fill out.","start_word":5150,"end_word":5154,"sentiment":"negative","sentiment_score":-0.3734527230262756},{"text":"So filling it out once, and then we review that with you continuously to make sure it remains in line with your needs. And when something changes, if you say, hey. That's not suitable anymore, then we'll Yep. look to change that with you. Yeah. Okay? Now I'm pretty Yep. I'm pretty I'm pretty sure they're both I I I know Hubs is non latching. Correct? Yes. Hub definitely is. Yeah. Yes. I'm pretty sure they're both the same. And I've done Yep. that I did that because of the paperwork in that too, and I'm going, well, I've done it. I don't wanna have to keep filling it out every three to five years. Absolutely. If you can avoid that, absolutely. They make these 90 nominations very difficult to fill out, and they shouldn't do, but they absolutely do make them hard. So if we can alleviate that pressure on you, we'll 100% help you out with it. But I wanted to have have that in there. That's my recommendation with those estate planning. As long as they're up to date and valid, that's fine, and we'll just make sure we keep reviewing that with you moving forward. Okay? Yeah. But and in in in and in the event that something changes, then we make the changes accordingly. So that's fine.","start_word":5155,"end_word":5376,"sentiment":"neutral","sentiment_score":0.009994879364967346},{"text":"Absolutely.","start_word":5377,"end_word":5377,"sentiment":"positive","sentiment_score":0.3358897566795349},{"text":"Yeah. Definitely.","start_word":5378,"end_word":5379,"sentiment":"neutral","sentiment_score":0.28269457817077637},{"text":"Definitely. Beautiful.","start_word":5380,"end_word":5381,"sentiment":"positive","sentiment_score":0.404259979724884},{"text":"Now if you do like a little bit of reading, attach the DocuSign. I've also got there the PDF documents for the recommendation, the hub 24 and care super.","start_word":5382,"end_word":5410,"sentiment":"neutral","sentiment_score":0.1313309520483017},{"text":"I've got our financial services guide, which has got a lovely picture of me and some information on me in there for you. I've also got the appendix, which has all the research that I completed around looking at what to recommend for you as well that you can run your eyes over.","start_word":5411,"end_word":5463,"sentiment":"positive","sentiment_score":0.5227631330490112},{"text":"And you're Yeah.","start_word":5464,"end_word":5466,"sentiment":"neutral","sentiment_score":0.2082352340221405},{"text":"welcome to let me know if you have any additional questions.","start_word":5467,"end_word":5477,"sentiment":"positive","sentiment_score":0.358607679605484},{"text":"I've gone through everything I needed to touch base on. The rest of the document does have a lot around the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well.","start_word":5478,"end_word":5511,"sentiment":"neutral","sentiment_score":0.16981874406337738},{"text":"So you're welcome to run your eyes over that, have a read through anything.","start_word":5512,"end_word":5525,"sentiment":"positive","sentiment_score":0.3386237919330597},{"text":"And if you find us any questions, let me know. I am off next week just because I'm taking some time up with my son, but email me if there's anything or call us and let Michelle know. I do check my emails over the course of the week every so often, so I will get back to you as soon as I can, but I'm back on the thirteenth. Okay? No. No. That should be fine. So I guess once I sign the document that gives you the permission to make the changes that we've just Correct. discussed. Yep. Yep.","start_word":5526,"end_word":5626,"sentiment":"neutral","sentiment_score":0.07805987447500229},{"text":"Absolutely. You sign and return it back, and we'll be able to go in and make the investment switches for you and get all of that sorted nice and quickly.","start_word":5627,"end_word":5656,"sentiment":"positive","sentiment_score":0.4619389772415161},{"text":"That way your portfolio has got some time to recover and start to build and work a bit harder for you. And if there's anything that you wanna change, on the back page, we have a text box. You're welcome to write in there with if there's any part of the advice you don't wish to proceed with. Yes. If it does require you to answer that box, just put NA if you're happy to proceed with all of the advice. Okay? Yep. That's fine. Yep.","start_word":5657,"end_word":5742,"sentiment":"neutral","sentiment_score":0.0917062908411026},{"text":"Beautiful.","start_word":5743,"end_word":5743,"sentiment":"positive","sentiment_score":0.4846288859844208},{"text":"Not a problem. I'll I'll get that done today before you go on live, so that's No fine. worries. No worries, Darren. If there's anything, you let me know. It doesn't matter what question is.","start_word":5744,"end_word":5778,"sentiment":"neutral","sentiment_score":0.1954919546842575},{"text":"I'm here to help you.","start_word":5779,"end_word":5783,"sentiment":"positive","sentiment_score":0.4229225814342499},{"text":"So you if there's something on your mind, you email me and let me know or give me a buzz. I'll make time to stop and have a chat. And, yeah, once you sign that, we'll get that in place. And I've got a note here. We'll give you a call and organize a catch up in six months time if you don't need us beforehand. Okay? No. That's fine.","start_word":5784,"end_word":5853,"sentiment":"neutral","sentiment_score":0.10689909756183624},{"text":"All good. Perfect. Thank you so much for your time this morning. I really appreciate it.","start_word":5854,"end_word":5869,"sentiment":"positive","sentiment_score":0.7511407732963562},{"text":"No.","start_word":5870,"end_word":5870,"sentiment":"neutral","sentiment_score":0.17481637001037598},{"text":"Thank you, Dana. I appreciate the work you you and your team have gone through for me, sir. That's great. Thank you.","start_word":5871,"end_word":5892,"sentiment":"positive","sentiment_score":0.7347390055656433},{"text":"No.","start_word":5893,"end_word":5893,"sentiment":"neutral","sentiment_score":0.2773747444152832},{"text":"Not a problem at all. You have a lovely day. I'll talk to you really soon. Thank you. Thanks, Darren. Talk soon. See you later.","start_word":5894,"end_word":5918,"sentiment":"positive","sentiment_score":0.5445113182067871},{"text":"Bye. Bye bye.","start_word":5919,"end_word":5921,"sentiment":"neutral","sentiment_score":0.17931833863258362}],"average":{"sentiment":"neutral","sentiment_score":0.1076905815012162}}}}