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Is now still a good time there for you? Fantastic. I know I did send it through to you the other week to have a bit of a look through as well. Have you read the document or had a bit of a look through? I don't know. You've been probably quite busy as well. Yep. Perfect. All good. Are you driving at the moment as well? Yep. No. Oh, wow. That's that's okay. That's okay. Did you want me to give you a callback shortly? Are you happy just for me to run through the advice with you just to kinda run through the things I need to touch on? Yeah? Easy. Not a problem at all. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Yep. Perfect. And just to do security there with you as well, I am discussing your personal information. So I'll just get you to confirm your full name, address, and date of birth. Sorry. Yep. Yep. Perfect. Thank you so much for that. And you just recently had a holiday. That would have been nice, a bit of downtime for you. Perfect. A bit of time away, a bit of downtime to rest in my Cooper. It's never a bad thing. No. All good. So just to kinda touch on the things that I need to touch on with regards to the advice document there, the first part of the recommendations was to, obviously, retain Hub 24. Hub 24 is still a great platform there for you. Having a look at the options out there, moving to other platforms does mean that we submit more in the way of CGT or capital gains consequences. So I am looking to retain Hub twenty four for the moment as the right platform there. But we did also talk about moving into the the estimate part of the separately managed account there. So we do have the exclusion on Benelon at the moment so that no more funds are invested in Benelon as per your instructions. But we do wanna sort of look at rechanging or altering the investment structure for you. So I am recommending as part of this advice document that we do move you into the SMA. And by doing that, we're actually moving you into a cheaper version of the Hub twenty four, which is called the Core. So hub twenty four has three different tiers to their platform. They have the cheapest tier, which has no admin fees and has a very few a very few investment options to choose from. They have the core, which has had a few more investment options in which we hold the SMA on. And then they have Choice, which is their more expensive version, has the higher admin fees. So what we'll be doing is moving you basically into the core product, which is reducing your administration fees by about $8 on a yearly basis there and moving you into that estimated separately managed account. Now when I did go back and have a really good look in the advice document, and I'm truly transparent with this, is that you when we look at the last three year rolling average with regards to your current high growth portfolio versus the one we wanna move you into, There is a difference in the the last three rolling average returns. So we do know the SMA, over the last couple of years has performed a little bit less than the high growth product that you were in currently. However, we also know that I don't expect to get 16% on a yearly basis every year with the volatility that we are definitely seeing. So the benefits of moving into that SMA product are that the return that we are seeing is probably a little bit closer to what we can expect you to receive. It is making the administration fees, the investment fees, and any other fees applicable to fund much cheaper, and we've also reduced your ongoing service fee as well to 1.1 for the twelve months. So, actually, by moving you into that product, you're getting a greater transparency. We're overall lowering the risk of of being in the market. You also have the Oakview investment committee as well as the BlackRock Committee having a look at everything and making changes on a regular basis. So moving to the SMA is still a better option for you, lowering the risk, lowering the fees, which means you have more money invested. It's more of a passively managed portfolio as well, and it is removing that along completely. So there's no actively managed managers in there. It helps to reduce the risk of your profile there. And over the longer term, we can see greater returns as well depending on how the markets react over time. So one of the best things about the SMA is instead of us having to ring you and say, hey. We feel like the market's changing. This might need to happen or Better Long has been down over the last few months. We need to remove it out. Our managers can take those investments. They can maneuver them as the markets so as the markets are changing, as investments need to change. And then it's still important for us to review your risk level every year, have a look at where things might be changing there for you, and also, you know, make sure that we are updating your portfolio as we need to. Because I wouldn't expect you to be in a high growth environment right up until the day you retire. It's important that we do review that on a regular basis there as well. Does that make sense? Yep. Perfect. With moving into the SMA and the core product, there are capital gains consequences for doing so. We do estimate the CGP for the move to be about $1,673. However, when I weighed up the difference in the the fees, essentially, over the first year in the table, you'll see in the document there, we're saving you about $872 in fees. So we can quite easily make that CDT back and get you moved into that product nice and easily, and then we'll keep reviewing it moving forward there for you. Okay? Perfect. One of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so. You were comfortable with about $50 on a fortnightly basis. So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight. Having more money put into super now does give you a greater advantage because you end up compounding over the longer term. Essentially, if you put $50 in now on a fortnightly basis and you're compounding that over the next twenty seven years towards your time, it has a greater effect on your super than if we start that ten years down the track there. So starting off small is never a bad idea as well. It kinda gets you comfortable to doing so. Admittedly, moving more money into super does mean your take home pay reduces slightly as well. So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term. Essentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate. And it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight. However, it can over the longer term if we look to increase that and make changes to your circumstances can have a greater effect down the track. And being taxed at 15% as opposed to your marginal tax rate means you've got more money invested compounding towards your retirement goals, which is more of an advantage there for you. Does that make sense? Yeah. Perfect. The other part of the recommendations was the insurance side of things. So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there. So increasing that up to the 70% of your current income, which means we increase that to a monthly benefit of 6,183. We keep the thirty day wait and five year benefit period, so no changes there. It does expect or mean that we do expect the the sorry, total premium to increase. The first year's premium, we expect to be a total of 1,479. That is a little bit higher from where you were at the moment. Just going back to have a quick look at your current premium. Sorry. Current premium we had deducted was 1,238. So we're essentially increasing that a little bit more significantly and only really adding an sort of $200 onto the cost of the premium for the year. That's meaning that instead of having a monthly benefit of 4,797, which is a bit low for the income that you're on, you can claim up to that full 70% in the event that something was to happen there. The thirty day wait, I do like because you only have to be off work for thirty days, and that can have a greater benefit. There are certain illnesses or injuries where you might only be off for thirty days, might be off for another, you know, thirty or sixty then go back to work. So it does actually mean that you can claim much sooner, putting less stress on your financial circumstances, but there's also instances where you can claim for extra illnesses or injuries that you might not be able to claim on if you had to wait that full sixty or ninety days there as well. Okay? Yep. Absolutely. Yes. So it really depends on what the circumstances is when it comes to pregnancy. They don't allow you to claim income protection just for to going on maternity leave and and being pregnant. However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy. But if you're just on maternity leave, they don't allow you to claim for that. So it's a hard question to answer. It just comes down to what the illness or injury is that was a result of the pregnancy or the miscarriage or something to do with it. I have seen people be able to claim in the past where they've had a miscarriage, and then their body hasn't really they've had ongoing issues and illnesses and and pain and things like that, and they've had to take extra time off work, and that has been claimed again. But then I've also seen where people have tried to claim for, you know, having a a a bad labor, having to be off for longer than their maternity leave, and they've not backed the claim. So it all just comes down to what what the injury or illness is and and how it stems for them to be able to look at doing that for you, if that makes sense. It's a little bit hard to answer. Sorry. It's a difficult one with pregnancy. Yeah. I'm so sorry. Yeah. Yeah. No. That's okay. It's it's a it's a bit of a difficult one, but, no, I'm so sorry your friends had a difficult bath. I know pregnancy doesn't work for everyone the same way. I've I had difficult ones, and I also had easy ones. So it's definitely not not any not anything that we can kinda predict with how our body's gonna react to pregnancy. All good. Essentially, within so looking to increase that income protection component there for you, this advice document has been scoped solely around to the superannuation. The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment. But if you are wanting to certainly have a look at that, please do let me know. We can definitely have more of a conversation and look at what your needs are in relation to any additional cover over and above what we have recommended already. It's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super. So as part of the review process, while we're moving into the SMA and trying to sort of make things a little bit more streamlined for you and get the best out of your super, it's important that we still do those reviews with you. We'll review your circumstances, what needs to change, whether the sales stack is working for you, how the investments have performed. Because if the estimate doesn't do what we need it to or doesn't work the same way, then we'll look at other options to kind of keep working towards your goals there. And, also, looking at the insurance premiums because they are stacked. As you get older, the risk of you making a claim increases, and those insurance premiums do get more expensive over time. So it is really important that we review that review that with you on a regular basis. I do apologize. You'll note in the documents that we have reduced your ongoing service fee for this year up to 1.1% from the 1.65%. Our head of advisers approved that to be reduced for the twelve months. It and your review time will review how things are working for you and whether we increase that back to the 1.65 or whether we're able to reduce keep it at that 1.1. And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make. It is important to note that it's legislated across the board. So we actually don't it's standardized. It's 66% of the first year's insurance premiums and 22%, they're ongoing. Because it is standardized and legislated across the insurance industry, it means there's no conflict remuneration there. It means that we it doesn't have any effect in the recommendations. I recommended the increase solely with your current provider so that the increase is underwritten. So if there are any changes, the current policy doesn't have any effect. It doesn't change your current policy in any way. And by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there. So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important. Does that make sense? Yeah. Perfect. Do you have any questions? I've kind of touched on the things that I had to. Do you have any questions around any part of the document, any of the recommendations, or anything at all? No. That's okay. Mhmm. Yep. Yep. That's correct. Yeah. So the first one there, the current is what you're in at the moment with your administration fees, investment fees, any other fees applicable to membership fees and an underlying costs, the ongoing service fee that you have been paying at the moment, your contributions going in next. That's after the percent tax, but and doesn't take into account the increase in sales back, and then your current insurance premiums there as well. And then with the high growth portfolio, but showing the three year rolling average there because we weren't able to get the five year rolling average. But, I mean, when you have a look at that, I use projections as just a baseline to kind of look at this what's happening. That's why I'm honest and tell you that there is a difference in the three year rolling average between the current high growth portfolio to the OVF estimate blend. And, like, when I had a look, either the 2024 annual review, you actually returned 7%. Last year when we spoke, it was 7%, and the markets have taken a bit of a hit this year as well. So the portfolio report currently shows you've had an increase of about 4%. So I always take these as the rolling averages with a grain of salt and note that we're working on your super. We're working on things. So the fact that we're reducing your fees, increasing contributions in, hopefully, you get a pay rise there at some point you're deserving of that, That can actually have a greater long term effect on your super than just this three year rolling average because I know this three year rolling average should always be taken with a grain of salt. You can safely say over the last couple of years, you've not received the 16.59% return every year, and I would not expect that to happen moving forward with the amount of volatility that we are seeing. So it's about looking at the other advantages. The 13.97% for the SMA is probably a little bit more logical. I still, again, don't expect you to get that every single year. What we're working towards is a building super at a steady rate on a regular basis and doing what we can to make sure that that continues. With a high growth portfolio, we're actually looking to try and get between eight to ten eight to 10% on a yearly basis, and keep that growing over time, and that's gonna have much more of an effect there. So, it's just it's important that you sort of see that. I'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four. And there's no not a lot of selling that I have to change or move you out of Superfund at all. It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over. Whenever we are moving investments, any investments between the choice and the core product when we're moving between the current high growth through the SMA, Hub twenty four will always do it in the most tax effective way. So they'll have a look at what you've owned for longer, where you've got you've owned for more than twelve months, what they can have discounts on, where they can benefit from losses to offset any gains to kinda minimize the CDT consequences of the moving. And they in specie transfer everything over, so we don't have to sell everything to move it over. The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains. Yeah. Yeah. Easy. Mhmm. Yep. It is. Yes. Sorry. That is a typo. Yeah. My apologies about that one. If you go up to that is a typo on that back page because they're, obviously, they're missing a zero. If you go up to page number 10, this does show it correctly at the current amount. So it is missing an extra zero there. Sorry about that. No. No. That's that's absolutely fine. So at the moment, you do have a million and 50,000 there. That is correct. And on page 10, it notes it correctly. And then I've also got down here on page number sorry. The recommendations there is page 23. Yeah. That's also got it noted correctly for you. So do apologize about that slight typo there. I'm happy to go back and have that rectified and resend the documents too if you'd like us to. That's okay. Yeah. Yeah. Yeah. No. That's absolutely fine. That's not a problem at all. Did you have any other questions about any of the advice or the recommendations or just anything in general? No. That's like Yeah. Yep. Yeah. Yeah. Absolutely. So so this is your part your husband that you were talking about. I do apologize. The phone did sorta cut out a little bit. I'm so sorry. That's okay. If he is looking at getting some advice and maybe looking at super funds, we can absolutely look to help him if he'd like us to. Essentially, if he just wanted to, what we could do, we can't join the super together. That's more of a self money super fund sort of structure, but we can look at if you were both to be in hub twenty four, we can do what's called a fee aggregator or a family fee aggregation. We're essentially linking the accounts together. It does mean you can both see each other's superannuation, so we just need to make sure you are both comfortable with that. But with the family fee aggregation, the more your balance grows, the more of a fee saving and administration fees you do get access to as well. And we do have a coupling fee. So if you do decide to bring your husband on and he signs on as part of a as being a client, he does also get me as the adviser. But it also means that we keep your ongoing service fee down at 1.1, and he benefits from that as well. And if you refer him on and he does sign on, you do also get a $100 gift card for the referrals. So if that's something you guys would like to to look at, I'm more than happy to do so. I'd essentially go through the process of looking at the research with him, looking at what his goals are, tailoring advice to his needs and what he's after, and then we if he decides he's happy with the advice coming on as a client, and then we can kinda link everything together for you. Yeah. Yeah. Yeah. Feel free to have a chat to him about it. If he wants to just have a general chat with me first, I can absolutely organize that to look about what we do, how things work, how advice works, and then we can always, you know, do do the research with him. I am very honest and open. So if there's a point we're not able to help him or if it's not viable or it's not in his best interest, I will be really honest and let him know that. So that's one thing I do pride myself on is the honesty and making sure that if it's not in his best interest, if he's better to stay where he is, that we'll recommend that for him. But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to help. Yeah. That's okay. Did you wanna have it in touch to him first and let us know what you sort of wanted to do, Sarah, if he's interested? Yeah. Perfect. Mhmm. Okay. It really depends. Most of the platforms do prefer at least, say, 20 to $30,000 balance. Hub twenty four prefer a $50,000 balance to begin with, but it also depends on the other circumstances. So you mentioned he was on work cover for the last three years. Is he back, like, starting to work again? Is he earning an income? Yep. Okay. Yep. Mhmm. Okay. Right. Yeah. Mhmm. Yeah. Yeah. Yeah. No. That's understandable. I mean, the other option is if if we can't help you, if it's preferable, I can even just do up strategy paper, which is obviously fully complimentary. And that kinda gives him an idea of what industry fund can work for him, what the fees look like, how it sort of looks in a strategy paper is whilst it's not personal advice. It's more just sort of this is what your goal is. Obviously, our services might not be right for you. However, this is what we're suggesting you probably do in this circumstance to help you along. So I can absolutely do that as well. With the the fact that he's not working, we would wanna make sure to get value out of our services. Making contributions is definitely an important aspect there. So whilst he's not working, I would have to look at whether paying out ongoing service fee is gonna be of a of a benefit to him or whether staying in an industry fund for a shorter period of time might be a bigger benefit. But I look at all those options for you as well. You mentioned that he has been on a TPD claim in the past. So if he has claimed TPD in the past, getting disability cover moving forward is gonna be very difficult. Generally, once you've had a claim in the past, they don't wanna re reinsure you with disability for income protection or TBD. But that is still something I can absolutely look at. I would just wanna get some more information around what the claim was, the injury, the illness, and and I can go out to all the insurers and have a really good look at what the options might be available to him. Often, he probably still can get a bit of life depending on what you're after and maybe some trauma if he's happy paying for insurance out of pocket. But it just comes down to what the injury or the illness was that caused him to claim on disability in the past. So but all of those are these things I can absolutely do, and I'm happy to do the research for him. It's not a problem at all. So feel free to have a chat to him, talk about what we do. And if he wants to just talk to me before going through the process, I can absolutely help with that as well. Okay. Yeah. That's okay. That's not a problem at all. Are you saying No. No. That's okay. We were having this conversation first, and then you were gonna go back and have a bit of a look at it again. If you're comfortable moving forward, I'll get you to sign that one. It does have your annual review documents attached as well. I wanted to sort of send everything out to you together. So it's got the quote to show the increase of the income protection, the ongoing service agreement for the next twelve months there as well with the reduction in the fees. And I've added a whole bunch of documents, the financial services guide into the email as well that you're welcome to review. It has my lovely photo and all the information about me, and you can even show that to your partner. Kinda let him see all the information about the financial services guide, who we are, what we do, how we do it to give him a bit of an idea of, you know, who advisers are. But feel free to run your eyes over those documents. If you have any questions, let me know. The one document that is a bit different to all the others is the tax file opt in form. So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it. It is safe and secure. We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold that. And we also do a lost super search on a regular basis as well. So we have that document attached for you to sign. We'll go back to the ATO to see if there's any money out in the ether anywhere and see what we can find, if we can find anything else to help you along as well. Okay? Perfect. Perfect. So you'll find there's a few documents attached. Feel free to run your eyes through any of those. If you have any questions, let me know. If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me. If there are any changes on the last page of the advice document, we do have a text box where you can write if you there's anything you don't wish to undertake or any part of the advice you don't wish to proceed with, which is completely fine. And if you're happy if it asks you to sign that text box regardless, just put NA if there's no changes if you're happy to take on all of the advice, if that helps. Yeah. Yep. So yeah. So that's essentially the the projection of how Neo see the the annualized and the cumulative premiums projected over time. So this is why it's really important that we review things with you. So it's basically looking at year one is, like, from now, the expected annualized premium. You'll see the first premium, $17.39 94. That's how much the insurance company receives. You'll only pay what's in that table at the above there, which is about $1,400. So you get a bit of a discount, a 58 percent discount for paying for your insurances out of super. It's because of the taxation inside super. They give you a rebate. But this is sort of showing you that over the course of the next sort of ten odd years, how they expect the insurance premiums to increase over time, and they do get more and more expensive as you get older. So that's why we wanna keep looking at what your level of cover is. If you're if you're if you need less cover, we wanna start reducing that. Realistically, the idea is you start with a higher level of cover. Now you have a higher mortgage and a lower super balance. But as your super balance increases significantly, as you reduce your debt level, we should be able to start reducing your cover down so you pay less and less and less. If we can't reduce your cover down as your insurances do accumulate and the risk of you making a claim increases, your insurance premiums actually increase in the cost of how much they're gonna cost you over time. So, generally, by the time we get into our fifties, they're actually very expensive premiums. So this isn't too bad. This sort of shows that in the next ten years, it probably goes up by about $2, which isn't too bad. And we wanna make sure your super is still working by that, but we don't wanna we don't wanna eat away all of your super with your insurance premium. So it's about making sure you've got the right level of cover so that your super is still working hard for you as well, and that's why the reviews are really important. Yeah. Yeah. Perfect. And yeah. And yep. Perfect. I was you're right. Sorry. I was just gonna answer the question. So you also asked me what a and b stands for. It's age next birthday. I do apologize. I missed answering that question for you. Yep. Yeah. So if you're happy to go ahead with that, just press the sign button. It'll take you through to all automatically help you. Yeah. Perfect. Oh, not a problem at all, Sarah. I really enjoyed putting this together for you. I do apologize. It took a little bit longer to kinda get it all out, but I wanna make sure moving forward, things are working harder for you. And I'm glad you enjoyed your holiday. Yeah. Not a problem at all. Let me know if there's any questions you have at any time. You've got my email. Always make time to touch base if you need me to as well. Okay? My pleasure. Thanks, Sarah. See you later. 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Sarah. It's Dana from OQ Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. I had you booked in just to run through that statement of advice. Is now still a good time there for you? Fantastic. I know I did send it through to you the other week to have a bit of a look through as well.\n\nHave you read the document or had a bit of a look through? I don't know. You've been probably quite busy as well. Yep. Perfect.\n\nAll good. Are you driving at the moment as well? Yep. No. Oh, wow.\n\nThat's that's okay. That's okay. Did you want me to give you a callback shortly? Are you happy just for me to run through the advice with you just to kinda run through the things I need to touch on? Yeah?\n\nEasy. Not a problem at all. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Yep.\n\nPerfect. And just to do security there with you as well, I am discussing your personal information. So I'll just get you to confirm your full name, address, and date of birth. Sorry. Yep.\n\nYep. Perfect. Thank you so much for that. And you just recently had a holiday. That would have been nice, a bit of downtime for you.\n\nPerfect. A bit of time away, a bit of downtime to rest in my Cooper. It's never a bad thing. No. All good.\n\nSo just to kinda touch on the things that I need to touch on with regards to the advice document there, the first part of the recommendations was to, obviously, retain Hub 24. Hub 24 is still a great platform there for you. Having a look at the options out there, moving to other platforms does mean that we submit more in the way of CGT or capital gains consequences. So I am looking to retain Hub twenty four for the moment as the right platform there. But we did also talk about moving into the the estimate part of the separately managed account there.\n\nSo we do have the exclusion on Benelon at the moment so that no more funds are invested in Benelon as per your instructions. But we do wanna sort of look at rechanging or altering the investment structure for you. So I am recommending as part of this advice document that we do move you into the SMA. And by doing that, we're actually moving you into a cheaper version of the Hub twenty four, which is called the Core. So hub twenty four has three different tiers to their platform.\n\nThey have the cheapest tier, which has no admin fees and has a very few a very few investment options to choose from. They have the core, which has had a few more investment options in which we hold the SMA on. And then they have Choice, which is their more expensive version, has the higher admin fees. So what we'll be doing is moving you basically into the core product, which is reducing your administration fees by about $8 on a yearly basis there and moving you into that estimated separately managed account. Now when I did go back and have a really good look in the advice document, and I'm truly transparent with this, is that you when we look at the last three year rolling average with regards to your current high growth portfolio versus the one we wanna move you into, There is a difference in the the last three rolling average returns.\n\nSo we do know the SMA, over the last couple of years has performed a little bit less than the high growth product that you were in currently. However, we also know that I don't expect to get 16% on a yearly basis every year with the volatility that we are definitely seeing. So the benefits of moving into that SMA product are that the return that we are seeing is probably a little bit closer to what we can expect you to receive. It is making the administration fees, the investment fees, and any other fees applicable to fund much cheaper, and we've also reduced your ongoing service fee as well to 1.1 for the twelve months. So, actually, by moving you into that product, you're getting a greater transparency.\n\nWe're overall lowering the risk of of being in the market. You also have the Oakview investment committee as well as the BlackRock Committee having a look at everything and making changes on a regular basis. So moving to the SMA is still a better option for you, lowering the risk, lowering the fees, which means you have more money invested. It's more of a passively managed portfolio as well, and it is removing that along completely. So there's no actively managed managers in there.\n\nIt helps to reduce the risk of your profile there. And over the longer term, we can see greater returns as well depending on how the markets react over time. So one of the best things about the SMA is instead of us having to ring you and say, hey. We feel like the market's changing. This might need to happen or Better Long has been down over the last few months.\n\nWe need to remove it out. Our managers can take those investments. They can maneuver them as the markets so as the markets are changing, as investments need to change. And then it's still important for us to review your risk level every year, have a look at where things might be changing there for you, and also, you know, make sure that we are updating your portfolio as we need to. Because I wouldn't expect you to be in a high growth environment right up until the day you retire.\n\nIt's important that we do review that on a regular basis there as well. Does that make sense? Yep. Perfect. With moving into the SMA and the core product, there are capital gains consequences for doing so.\n\nWe do estimate the CGP for the move to be about $1,673. However, when I weighed up the difference in the the fees, essentially, over the first year in the table, you'll see in the document there, we're saving you about $872 in fees. So we can quite easily make that CDT back and get you moved into that product nice and easily, and then we'll keep reviewing it moving forward there for you. Okay? Perfect.\n\nOne of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so. You were comfortable with about $50 on a fortnightly basis. So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight. Having more money put into super now does give you a greater advantage because you end up compounding over the longer term. Essentially, if you put $50 in now on a fortnightly basis and you're compounding that over the next twenty seven years towards your time, it has a greater effect on your super than if we start that ten years down the track there.\n\nSo starting off small is never a bad idea as well. It kinda gets you comfortable to doing so. Admittedly, moving more money into super does mean your take home pay reduces slightly as well. So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term. Essentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate.\n\nAnd it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight. However, it can over the longer term if we look to increase that and make changes to your circumstances can have a greater effect down the track. And being taxed at 15% as opposed to your marginal tax rate means you've got more money invested compounding towards your retirement goals, which is more of an advantage there for you. Does that make sense? Yeah.\n\nPerfect. The other part of the recommendations was the insurance side of things. So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there. So increasing that up to the 70% of your current income, which means we increase that to a monthly benefit of 6,183. We keep the thirty day wait and five year benefit period, so no changes there.\n\nIt does expect or mean that we do expect the the sorry, total premium to increase. The first year's premium, we expect to be a total of 1,479. That is a little bit higher from where you were at the moment. Just going back to have a quick look at your current premium. Sorry.\n\nCurrent premium we had deducted was 1,238. So we're essentially increasing that a little bit more significantly and only really adding an sort of $200 onto the cost of the premium for the year. That's meaning that instead of having a monthly benefit of 4,797, which is a bit low for the income that you're on, you can claim up to that full 70% in the event that something was to happen there. The thirty day wait, I do like because you only have to be off work for thirty days, and that can have a greater benefit. There are certain illnesses or injuries where you might only be off for thirty days, might be off for another, you know, thirty or sixty then go back to work.\n\nSo it does actually mean that you can claim much sooner, putting less stress on your financial circumstances, but there's also instances where you can claim for extra illnesses or injuries that you might not be able to claim on if you had to wait that full sixty or ninety days there as well. Okay? Yep. Absolutely. Yes.\n\nSo it really depends on what the circumstances is when it comes to pregnancy. They don't allow you to claim income protection just for to going on maternity leave and and being pregnant. However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy. But if you're just on maternity leave, they don't allow you to claim for that. So it's a hard question to answer.\n\nIt just comes down to what the illness or injury is that was a result of the pregnancy or the miscarriage or something to do with it. I have seen people be able to claim in the past where they've had a miscarriage, and then their body hasn't really they've had ongoing issues and illnesses and and pain and things like that, and they've had to take extra time off work, and that has been claimed again. But then I've also seen where people have tried to claim for, you know, having a a a bad labor, having to be off for longer than their maternity leave, and they've not backed the claim. So it all just comes down to what what the injury or illness is and and how it stems for them to be able to look at doing that for you, if that makes sense. It's a little bit hard to answer.\n\nSorry. It's a difficult one with pregnancy. Yeah. I'm so sorry. Yeah.\n\nYeah. No. That's okay. It's it's a it's a bit of a difficult one, but, no, I'm so sorry your friends had a difficult bath. I know pregnancy doesn't work for everyone the same way.\n\nI've I had difficult ones, and I also had easy ones. So it's definitely not not any not anything that we can kinda predict with how our body's gonna react to pregnancy. All good. Essentially, within so looking to increase that income protection component there for you, this advice document has been scoped solely around to the superannuation. The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment.\n\nBut if you are wanting to certainly have a look at that, please do let me know. We can definitely have more of a conversation and look at what your needs are in relation to any additional cover over and above what we have recommended already. It's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super. So as part of the review process, while we're moving into the SMA and trying to sort of make things a little bit more streamlined for you and get the best out of your super, it's important that we still do those reviews with you. We'll review your circumstances, what needs to change, whether the sales stack is working for you, how the investments have performed.\n\nBecause if the estimate doesn't do what we need it to or doesn't work the same way, then we'll look at other options to kind of keep working towards your goals there. And, also, looking at the insurance premiums because they are stacked. As you get older, the risk of you making a claim increases, and those insurance premiums do get more expensive over time. So it is really important that we review that review that with you on a regular basis. I do apologize.\n\nYou'll note in the documents that we have reduced your ongoing service fee for this year up to 1.1% from the 1.65%. Our head of advisers approved that to be reduced for the twelve months. It and your review time will review how things are working for you and whether we increase that back to the 1.65 or whether we're able to reduce keep it at that 1.1. And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make. It is important to note that it's legislated across the board.\n\nSo we actually don't it's standardized. It's 66% of the first year's insurance premiums and 22%, they're ongoing. Because it is standardized and legislated across the insurance industry, it means there's no conflict remuneration there. It means that we it doesn't have any effect in the recommendations. I recommended the increase solely with your current provider so that the increase is underwritten.\n\nSo if there are any changes, the current policy doesn't have any effect. It doesn't change your current policy in any way. And by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there. So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important. Does that make sense?\n\nYeah. Perfect. Do you have any questions? I've kind of touched on the things that I had to. Do you have any questions around any part of the document, any of the recommendations, or anything at all?\n\nNo. That's okay. Mhmm. Yep. Yep.\n\nThat's correct. Yeah. So the first one there, the current is what you're in at the moment with your administration fees, investment fees, any other fees applicable to membership fees and an underlying costs, the ongoing service fee that you have been paying at the moment, your contributions going in next. That's after the percent tax, but and doesn't take into account the increase in sales back, and then your current insurance premiums there as well. And then with the high growth portfolio, but showing the three year rolling average there because we weren't able to get the five year rolling average.\n\nBut, I mean, when you have a look at that, I use projections as just a baseline to kind of look at this what's happening. That's why I'm honest and tell you that there is a difference in the three year rolling average between the current high growth portfolio to the OVF estimate blend. And, like, when I had a look, either the 2024 annual review, you actually returned 7%. Last year when we spoke, it was 7%, and the markets have taken a bit of a hit this year as well. So the portfolio report currently shows you've had an increase of about 4%.\n\nSo I always take these as the rolling averages with a grain of salt and note that we're working on your super. We're working on things. So the fact that we're reducing your fees, increasing contributions in, hopefully, you get a pay rise there at some point you're deserving of that, That can actually have a greater long term effect on your super than just this three year rolling average because I know this three year rolling average should always be taken with a grain of salt. You can safely say over the last couple of years, you've not received the 16.59% return every year, and I would not expect that to happen moving forward with the amount of volatility that we are seeing. So it's about looking at the other advantages.\n\nThe 13.97% for the SMA is probably a little bit more logical. I still, again, don't expect you to get that every single year. What we're working towards is a building super at a steady rate on a regular basis and doing what we can to make sure that that continues. With a high growth portfolio, we're actually looking to try and get between eight to ten eight to 10% on a yearly basis, and keep that growing over time, and that's gonna have much more of an effect there. So, it's just it's important that you sort of see that.\n\nI'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four. And there's no not a lot of selling that I have to change or move you out of Superfund at all. It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over. Whenever we are moving investments, any investments between the choice and the core product when we're moving between the current high growth through the SMA, Hub twenty four will always do it in the most tax effective way. So they'll have a look at what you've owned for longer, where you've got you've owned for more than twelve months, what they can have discounts on, where they can benefit from losses to offset any gains to kinda minimize the CDT consequences of the moving.\n\nAnd they in specie transfer everything over, so we don't have to sell everything to move it over. The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains. Yeah. Yeah. Easy.\n\nMhmm. Yep. It is. Yes. Sorry.\n\nThat is a typo. Yeah. My apologies about that one. If you go up to that is a typo on that back page because they're, obviously, they're missing a zero. If you go up to page number 10, this does show it correctly at the current amount.\n\nSo it is missing an extra zero there. Sorry about that. No. No. That's that's absolutely fine.\n\nSo at the moment, you do have a million and 50,000 there. That is correct. And on page 10, it notes it correctly. And then I've also got down here on page number sorry. The recommendations there is page 23.\n\nYeah. That's also got it noted correctly for you. So do apologize about that slight typo there. I'm happy to go back and have that rectified and resend the documents too if you'd like us to. That's okay.\n\nYeah. Yeah. Yeah. No. That's absolutely fine.\n\nThat's not a problem at all. Did you have any other questions about any of the advice or the recommendations or just anything in general? No. That's like Yeah. Yep.\n\nYeah. Yeah. Absolutely. So so this is your part your husband that you were talking about. I do apologize.\n\nThe phone did sorta cut out a little bit. I'm so sorry. That's okay. If he is looking at getting some advice and maybe looking at super funds, we can absolutely look to help him if he'd like us to. Essentially, if he just wanted to, what we could do, we can't join the super together.\n\nThat's more of a self money super fund sort of structure, but we can look at if you were both to be in hub twenty four, we can do what's called a fee aggregator or a family fee aggregation. We're essentially linking the accounts together. It does mean you can both see each other's superannuation, so we just need to make sure you are both comfortable with that. But with the family fee aggregation, the more your balance grows, the more of a fee saving and administration fees you do get access to as well. And we do have a coupling fee.\n\nSo if you do decide to bring your husband on and he signs on as part of a as being a client, he does also get me as the adviser. But it also means that we keep your ongoing service fee down at 1.1, and he benefits from that as well. And if you refer him on and he does sign on, you do also get a $100 gift card for the referrals. So if that's something you guys would like to to look at, I'm more than happy to do so. I'd essentially go through the process of looking at the research with him, looking at what his goals are, tailoring advice to his needs and what he's after, and then we if he decides he's happy with the advice coming on as a client, and then we can kinda link everything together for you.\n\nYeah. Yeah. Yeah. Feel free to have a chat to him about it. If he wants to just have a general chat with me first, I can absolutely organize that to look about what we do, how things work, how advice works, and then we can always, you know, do do the research with him.\n\nI am very honest and open. So if there's a point we're not able to help him or if it's not viable or it's not in his best interest, I will be really honest and let him know that. So that's one thing I do pride myself on is the honesty and making sure that if it's not in his best interest, if he's better to stay where he is, that we'll recommend that for him. But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to help. Yeah.\n\nThat's okay. Did you wanna have it in touch to him first and let us know what you sort of wanted to do, Sarah, if he's interested? Yeah. Perfect. Mhmm.\n\nOkay. It really depends. Most of the platforms do prefer at least, say, 20 to $30,000 balance. Hub twenty four prefer a $50,000 balance to begin with, but it also depends on the other circumstances. So you mentioned he was on work cover for the last three years.\n\nIs he back, like, starting to work again? Is he earning an income? Yep. Okay. Yep.\n\nMhmm. Okay. Right. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. No. That's understandable.\n\nI mean, the other option is if if we can't help you, if it's preferable, I can even just do up strategy paper, which is obviously fully complimentary. And that kinda gives him an idea of what industry fund can work for him, what the fees look like, how it sort of looks in a strategy paper is whilst it's not personal advice. It's more just sort of this is what your goal is. Obviously, our services might not be right for you. However, this is what we're suggesting you probably do in this circumstance to help you along.\n\nSo I can absolutely do that as well. With the the fact that he's not working, we would wanna make sure to get value out of our services. Making contributions is definitely an important aspect there. So whilst he's not working, I would have to look at whether paying out ongoing service fee is gonna be of a of a benefit to him or whether staying in an industry fund for a shorter period of time might be a bigger benefit. But I look at all those options for you as well.\n\nYou mentioned that he has been on a TPD claim in the past. So if he has claimed TPD in the past, getting disability cover moving forward is gonna be very difficult. Generally, once you've had a claim in the past, they don't wanna re reinsure you with disability for income protection or TBD. But that is still something I can absolutely look at. I would just wanna get some more information around what the claim was, the injury, the illness, and and I can go out to all the insurers and have a really good look at what the options might be available to him.\n\nOften, he probably still can get a bit of life depending on what you're after and maybe some trauma if he's happy paying for insurance out of pocket. But it just comes down to what the injury or the illness was that caused him to claim on disability in the past. So but all of those are these things I can absolutely do, and I'm happy to do the research for him. It's not a problem at all. So feel free to have a chat to him, talk about what we do.\n\nAnd if he wants to just talk to me before going through the process, I can absolutely help with that as well. Okay. Yeah. That's okay. That's not a problem at all.\n\nAre you saying No. No. That's okay. We were having this conversation first, and then you were gonna go back and have a bit of a look at it again. If you're comfortable moving forward, I'll get you to sign that one.\n\nIt does have your annual review documents attached as well. I wanted to sort of send everything out to you together. So it's got the quote to show the increase of the income protection, the ongoing service agreement for the next twelve months there as well with the reduction in the fees. And I've added a whole bunch of documents, the financial services guide into the email as well that you're welcome to review. It has my lovely photo and all the information about me, and you can even show that to your partner.\n\nKinda let him see all the information about the financial services guide, who we are, what we do, how we do it to give him a bit of an idea of, you know, who advisers are. But feel free to run your eyes over those documents. If you have any questions, let me know. The one document that is a bit different to all the others is the tax file opt in form. So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it.\n\nIt is safe and secure. We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold that. And we also do a lost super search on a regular basis as well. So we have that document attached for you to sign. We'll go back to the ATO to see if there's any money out in the ether anywhere and see what we can find, if we can find anything else to help you along as well.\n\nOkay? Perfect. Perfect. So you'll find there's a few documents attached. Feel free to run your eyes through any of those.\n\nIf you have any questions, let me know. If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me. If there are any changes on the last page of the advice document, we do have a text box where you can write if you there's anything you don't wish to undertake or any part of the advice you don't wish to proceed with, which is completely fine. And if you're happy if it asks you to sign that text box regardless, just put NA if there's no changes if you're happy to take on all of the advice, if that helps. Yeah.\n\nYep. So yeah. So that's essentially the the projection of how Neo see the the annualized and the cumulative premiums projected over time. So this is why it's really important that we review things with you. So it's basically looking at year one is, like, from now, the expected annualized premium.\n\nYou'll see the first premium, $17.39 94. That's how much the insurance company receives. You'll only pay what's in that table at the above there, which is about $1,400. So you get a bit of a discount, a 58 percent discount for paying for your insurances out of super. It's because of the taxation inside super.\n\nThey give you a rebate. But this is sort of showing you that over the course of the next sort of ten odd years, how they expect the insurance premiums to increase over time, and they do get more and more expensive as you get older. So that's why we wanna keep looking at what your level of cover is. If you're if you're if you need less cover, we wanna start reducing that. Realistically, the idea is you start with a higher level of cover.\n\nNow you have a higher mortgage and a lower super balance. But as your super balance increases significantly, as you reduce your debt level, we should be able to start reducing your cover down so you pay less and less and less. If we can't reduce your cover down as your insurances do accumulate and the risk of you making a claim increases, your insurance premiums actually increase in the cost of how much they're gonna cost you over time. So, generally, by the time we get into our fifties, they're actually very expensive premiums. So this isn't too bad.\n\nThis sort of shows that in the next ten years, it probably goes up by about $2, which isn't too bad. And we wanna make sure your super is still working by that, but we don't wanna we don't wanna eat away all of your super with your insurance premium. So it's about making sure you've got the right level of cover so that your super is still working hard for you as well, and that's why the reviews are really important. Yeah. Yeah.\n\nPerfect. And yeah. And yep. Perfect. I was you're right.\n\nSorry. I was just gonna answer the question. So you also asked me what a and b stands for. It's age next birthday. I do apologize.\n\nI missed answering that question for you. Yep. Yeah. So if you're happy to go ahead with that, just press the sign button. It'll take you through to all automatically help you.\n\nYeah. Perfect. Oh, not a problem at all, Sarah. I really enjoyed putting this together for you. I do apologize.\n\nIt took a little bit longer to kinda get it all out, but I wanna make sure moving forward, things are working harder for you. And I'm glad you enjoyed your holiday. Yeah. Not a problem at all. Let me know if there's any questions you have at any time.\n\nYou've got my email. Always make time to touch base if you need me to as well. Okay? My pleasure. Thanks, Sarah.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sarah.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.1403680071234703},{"text":"It's Dana from OQ Financial.","start":3.6,"end":5.2,"sentiment":"neutral","sentiment_score":0.1773734450340271},{"text":"How are you this morning?","start":5.2,"end":6.5,"sentiment":"neutral","sentiment_score":0.23214842677116393},{"text":"I'm very well.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.6390124758084615},{"text":"Thank you.","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.7098162174224854}],"sentiment":"neutral","sentiment_score":0.3332361903260736,"num_words":17,"start":2.96,"end":9.5199995},{"sentences":[{"text":"Thanks for asking.","start":9.5199995,"end":10.24,"sentiment":"positive","sentiment_score":0.6691200534502665},{"text":"I had you booked in just to run through that statement of advice.","start":10.24,"end":12.639999,"sentiment":"neutral","sentiment_score":0.29720499882331264},{"text":"Is now still a good time there for you?","start":12.639999,"end":14.655,"sentiment":"neutral","sentiment_score":0.2948453426361084},{"text":"Fantastic.","start":16.574999,"end":17.074999,"sentiment":"positive","sentiment_score":0.6510646343231201},{"text":"I know I did send it through to you the other week to have a bit of a look through as well.","start":17.695,"end":20.575,"sentiment":"neutral","sentiment_score":0.27063599770719354}],"sentiment":"neutral","sentiment_score":0.31520187109708786,"num_words":48,"start":9.5199995,"end":20.575},{"sentences":[{"text":"Have you read the document or had a bit of a look through?","start":20.575,"end":23.134998,"sentiment":"neutral","sentiment_score":0.08855106509648837},{"text":"I don't know.","start":23.134998,"end":23.535,"sentiment":"neutral","sentiment_score":-0.07881307353576024},{"text":"You've been probably quite busy as well.","start":23.535,"end":25.555,"sentiment":"neutral","sentiment_score":-0.15170205384492874},{"text":"Yep.","start":32.59,"end":33.09,"sentiment":"neutral","sentiment_score":0.041524894535541534},{"text":"Perfect.","start":36.67,"end":37.17,"sentiment":"positive","sentiment_score":0.3359585702419281}],"sentiment":"neutral","sentiment_score":0.009211748540401458,"num_words":25,"start":20.575,"end":37.17},{"sentences":[{"text":"All good.","start":37.47,"end":38.11,"sentiment":"neutral","sentiment_score":0.2550095021724701},{"text":"Are you driving at the moment as well?","start":38.11,"end":39.97,"sentiment":"neutral","sentiment_score":0.039798854384571314},{"text":"Yep.","start":41.435,"end":41.935,"sentiment":"neutral","sentiment_score":-0.017492374405264854},{"text":"No.","start":45.675,"end":46.175,"sentiment":"neutral","sentiment_score":-0.09087330847978592},{"text":"Oh, wow.","start":46.635002,"end":47.615,"sentiment":"neutral","sentiment_score":0.049554040655493736}],"sentiment":"neutral","sentiment_score":0.05851087413196053,"num_words":14,"start":37.47,"end":47.615},{"sentences":[{"text":"That's that's okay.","start":49.355,"end":51.135002,"sentiment":"neutral","sentiment_score":0.07876652975877126},{"text":"That's okay.","start":52.235,"end":52.875,"sentiment":"neutral","sentiment_score":0.09986172616481781},{"text":"Did you want me to give you a callback shortly?","start":52.875,"end":54.475,"sentiment":"neutral","sentiment_score":0.042610662430524825},{"text":"Are you happy just for me to run through the advice with you just to kinda run through the things I need to touch on?","start":54.475,"end":59.030003,"sentiment":"neutral","sentiment_score":0.07279139257967472},{"text":"Yeah?","start":59.030003,"end":59.530003,"sentiment":"neutral","sentiment_score":0.03215892240405083}],"sentiment":"neutral","sentiment_score":0.0661969122635882,"num_words":41,"start":49.355,"end":59.530003},{"sentences":[{"text":"Easy.","start":61.190002,"end":61.690002,"sentiment":"neutral","sentiment_score":0.19044440984725952},{"text":"Not a problem at all.","start":61.75,"end":62.63,"sentiment":"neutral","sentiment_score":0.1957198739051819},{"text":"And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":62.63,"end":67.590004,"sentiment":"neutral","sentiment_score":0.13290477314820656},{"text":"You're happy for me to proceed with that?","start":67.590004,"end":69.53,"sentiment":"neutral","sentiment_score":0.27642845921218395},{"text":"Yep.","start":70.685,"end":71.16499,"sentiment":"neutral","sentiment_score":0.12872835993766785}],"sentiment":"neutral","sentiment_score":0.16987131499662633,"num_words":41,"start":61.190002,"end":71.16499},{"sentences":[{"text":"Perfect.","start":71.16499,"end":71.66499,"sentiment":"neutral","sentiment_score":0.24419230222702024},{"text":"And just to do security there with you as well, I am discussing your personal information.","start":72.284996,"end":75.905,"sentiment":"neutral","sentiment_score":0.14031130028888583},{"text":"So I'll just get you to confirm your full name, address, and date of birth.","start":75.965,"end":79.80499,"sentiment":"neutral","sentiment_score":0.11012943834066391},{"text":"Sorry.","start":79.80499,"end":80.30499,"sentiment":"neutral","sentiment_score":0.012272028252482414},{"text":"Yep.","start":83.66,"end":84.16,"sentiment":"neutral","sentiment_score":0.0071508437395095825}],"sentiment":"neutral","sentiment_score":0.12236875158679836,"num_words":34,"start":71.16499,"end":84.16},{"sentences":[{"text":"Yep.","start":86.14001,"end":86.64001,"sentiment":"neutral","sentiment_score":0.012800435535609722},{"text":"Perfect.","start":90.62,"end":91.12,"sentiment":"positive","sentiment_score":0.3966549634933472},{"text":"Thank you so much for that.","start":91.18,"end":92.700005,"sentiment":"positive","sentiment_score":0.5145827929178873},{"text":"And you just recently had a holiday.","start":92.700005,"end":94.22,"sentiment":"neutral","sentiment_score":0.3039760355438505},{"text":"That would have been nice, a bit of downtime for you.","start":94.22,"end":96.96001,"sentiment":"positive","sentiment_score":0.3495321842757138}],"sentiment":"positive","sentiment_score":0.36421686278369564,"num_words":26,"start":86.14001,"end":96.96001},{"sentences":[{"text":"Perfect.","start":101.535,"end":102.035,"sentiment":"neutral","sentiment_score":0.07160399109125137},{"text":"A bit of time away, a bit of downtime to rest in my Cooper.","start":102.255005,"end":104.815,"sentiment":"neutral","sentiment_score":-0.03517053569001811},{"text":"It's never a bad thing.","start":104.815,"end":106.115005,"sentiment":"positive","sentiment_score":0.41845226287841797},{"text":"No.","start":109.135,"end":109.635,"sentiment":"neutral","sentiment_score":0.20924092829227448},{"text":"All good.","start":109.695,"end":110.515,"sentiment":"positive","sentiment_score":0.4346397817134857}],"sentiment":"neutral","sentiment_score":0.11956514337140581,"num_words":23,"start":101.535,"end":110.515},{"sentences":[{"text":"So just to kinda touch on the things that I need to touch on with regards to the advice document there, the first part of the recommendations was to, obviously, retain Hub 24.","start":111.090004,"end":120.05,"sentiment":"neutral","sentiment_score":0.09387465318044026},{"text":"Hub 24 is still a great platform there for you.","start":120.05,"end":123.03,"sentiment":"positive","sentiment_score":0.6285818368196487},{"text":"Having a look at the options out there, moving to other platforms does mean that we submit more in the way of CGT or capital gains consequences.","start":123.604996,"end":130.185,"sentiment":"neutral","sentiment_score":0.07314546392471702},{"text":"So I am looking to retain Hub twenty four for the moment as the right platform there.","start":130.405,"end":134.985,"sentiment":"neutral","sentiment_score":0.18905817059909596},{"text":"But we did also talk about moving into the the estimate part of the separately managed account there.","start":135.14,"end":139.78,"sentiment":"neutral","sentiment_score":0.008920854474935267}],"sentiment":"neutral","sentiment_score":0.14031594028430325,"num_words":105,"start":111.090004,"end":139.78},{"sentences":[{"text":"So we do have the exclusion on Benelon at the moment so that no more funds are invested in Benelon as per your instructions.","start":139.78,"end":147.56,"sentiment":"neutral","sentiment_score":-0.1679616685335835},{"text":"But we do wanna sort of look at rechanging or altering the investment structure for you.","start":148.505,"end":152.90501,"sentiment":"neutral","sentiment_score":-0.0744163088966161},{"text":"So I am recommending as part of this advice document that we do move you into the SMA.","start":152.90501,"end":157.785,"sentiment":"neutral","sentiment_score":0.18762418420778382},{"text":"And by doing that, we're actually moving you into a cheaper version of the Hub twenty four, which is called the Core.","start":157.785,"end":163.065,"sentiment":"neutral","sentiment_score":0.19691612673076717},{"text":"So hub twenty four has three different tiers to their platform.","start":163.065,"end":166.7,"sentiment":"neutral","sentiment_score":0.177591894837943}],"sentiment":"neutral","sentiment_score":0.04880395560310437,"num_words":91,"start":139.78,"end":166.7},{"sentences":[{"text":"They have the cheapest tier, which has no admin fees and has a very few a very few investment options to choose from.","start":167.08,"end":174.2,"sentiment":"neutral","sentiment_score":0.2122279162640157},{"text":"They have the core, which has had a few more investment options in which we hold the SMA on.","start":174.2,"end":179.26,"sentiment":"neutral","sentiment_score":0.15208917973857178},{"text":"And then they have Choice, which is their more expensive version, has the higher admin fees.","start":179.535,"end":184.035,"sentiment":"neutral","sentiment_score":0.061643681954592466},{"text":"So what we'll be doing is moving you basically into the core product, which is reducing your administration fees by about $8 on a yearly basis there and moving you into that estimated separately managed account.","start":184.33499,"end":196.05,"sentiment":"positive","sentiment_score":0.3481675051152706},{"text":"Now when I did go back and have a really good look in the advice document, and I'm truly transparent with this, is that you when we look at the last three year rolling average with regards to your current high growth portfolio versus the one we wanna move you into, There is a difference in the the last three rolling average returns.","start":196.19,"end":212.375,"sentiment":"neutral","sentiment_score":0.07612054387018793}],"sentiment":"neutral","sentiment_score":0.16615834298312285,"num_words":157,"start":167.08,"end":212.375},{"sentences":[{"text":"So we do know the SMA, over the last couple of years has performed a little bit less than the high growth product that you were in currently.","start":212.375,"end":219.35501,"sentiment":"neutral","sentiment_score":-0.11084855587354728},{"text":"However, we also know that I don't expect to get 16% on a yearly basis every year with the volatility that we are definitely seeing.","start":219.49501,"end":226.84999,"sentiment":"neutral","sentiment_score":-0.18871487587690353},{"text":"So the benefits of moving into that SMA product are that the return that we are seeing is probably a little bit closer to what we can expect you to receive.","start":226.84999,"end":235.59,"sentiment":"positive","sentiment_score":0.6667555284596258},{"text":"It is making the administration fees, the investment fees, and any other fees applicable to fund much cheaper, and we've also reduced your ongoing service fee as well to 1.1 for the twelve months.","start":236.125,"end":247.485,"sentiment":"positive","sentiment_score":0.6206423272104824},{"text":"So, actually, by moving you into that product, you're getting a greater transparency.","start":247.485,"end":253.06,"sentiment":"positive","sentiment_score":0.6263254537032201}],"sentiment":"neutral","sentiment_score":0.3213119079707233,"num_words":131,"start":212.375,"end":253.06},{"sentences":[{"text":"We're overall lowering the risk of of being in the market.","start":253.36,"end":257.6,"sentiment":"positive","sentiment_score":0.6277169260111722},{"text":"You also have the Oakview investment committee as well as the BlackRock Committee having a look at everything and making changes on a regular basis.","start":257.6,"end":265.945,"sentiment":"neutral","sentiment_score":0.30369857370853426},{"text":"So moving to the SMA is still a better option for you, lowering the risk, lowering the fees, which means you have more money invested.","start":266.005,"end":272.905,"sentiment":"positive","sentiment_score":0.44944399476051333},{"text":"It's more of a passively managed portfolio as well, and it is removing that along completely.","start":273.28,"end":277.6,"sentiment":"neutral","sentiment_score":0.27845714893192053},{"text":"So there's no actively managed managers in there.","start":277.6,"end":280.9,"sentiment":"neutral","sentiment_score":0.1708802431821823}],"sentiment":"positive","sentiment_score":0.37124478501432084,"num_words":85,"start":253.36,"end":280.9},{"sentences":[{"text":"It helps to reduce the risk of your profile there.","start":281.12,"end":284.18,"sentiment":"neutral","sentiment_score":0.28808229267597196},{"text":"And over the longer term, we can see greater returns as well depending on how the markets react over time.","start":284.47998,"end":290.63498,"sentiment":"positive","sentiment_score":0.38199223279953004},{"text":"So one of the best things about the SMA is instead of us having to ring you and say, hey.","start":291.25497,"end":295.175,"sentiment":"neutral","sentiment_score":0.2152013236656785},{"text":"We feel like the market's changing.","start":295.175,"end":296.79498,"sentiment":"neutral","sentiment_score":0.05707435682415962},{"text":"This might need to happen or Better Long has been down over the last few months.","start":296.85498,"end":300.29498,"sentiment":"neutral","sentiment_score":-0.02800847706384957}],"sentiment":"neutral","sentiment_score":0.20443061894426742,"num_words":72,"start":281.12,"end":300.29498},{"sentences":[{"text":"We need to remove it out.","start":300.29498,"end":301.71,"sentiment":"neutral","sentiment_score":-0.06564507943888505},{"text":"Our managers can take those investments.","start":302.50998,"end":304.59,"sentiment":"neutral","sentiment_score":0.006992070625225703},{"text":"They can maneuver them as the markets so as the markets are changing, as investments need to change.","start":304.59,"end":309.87,"sentiment":"neutral","sentiment_score":0.08370233534110917},{"text":"And then it's still important for us to review your risk level every year, have a look at where things might be changing there for you, and also, you know, make sure that we are updating your portfolio as we need to.","start":309.87,"end":321.305,"sentiment":"neutral","sentiment_score":0.12194240217407544},{"text":"Because I wouldn't expect you to be in a high growth environment right up until the day you retire.","start":321.305,"end":325.725,"sentiment":"neutral","sentiment_score":0.009835569678168548}],"sentiment":"neutral","sentiment_score":0.0710239637192789,"num_words":91,"start":300.29498,"end":325.725},{"sentences":[{"text":"It's important that we do review that on a regular basis there as well.","start":326.105,"end":329.54498,"sentiment":"neutral","sentiment_score":0.17394018652183668},{"text":"Does that make sense?","start":329.54498,"end":330.685,"sentiment":"neutral","sentiment_score":0.08846460655331612},{"text":"Yep.","start":332.52,"end":332.91998,"sentiment":"positive","sentiment_score":0.448991060256958},{"text":"Perfect.","start":332.91998,"end":333.41998,"sentiment":"positive","sentiment_score":0.6720870733261108},{"text":"With moving into the SMA and the core product, there are capital gains consequences for doing so.","start":334.36,"end":339.0,"sentiment":"neutral","sentiment_score":0.32123074198470397}],"sentiment":"neutral","sentiment_score":0.2532708590497842,"num_words":37,"start":326.105,"end":339.0},{"sentences":[{"text":"We do estimate the CGP for the move to be about $1,673.","start":339.0,"end":344.775,"sentiment":"neutral","sentiment_score":0.21464315926035246},{"text":"However, when I weighed up the difference in the the fees, essentially, over the first year in the table, you'll see in the document there, we're saving you about $872 in fees.","start":345.255,"end":355.975,"sentiment":"positive","sentiment_score":0.34906488843262196},{"text":"So we can quite easily make that CDT back and get you moved into that product nice and easily, and then we'll keep reviewing it moving forward there for you.","start":355.975,"end":364.87,"sentiment":"positive","sentiment_score":0.6732568581899007},{"text":"Okay?","start":364.87,"end":365.37,"sentiment":"neutral","sentiment_score":0.18825972080230713},{"text":"Perfect.","start":367.35,"end":367.85,"sentiment":"positive","sentiment_score":0.5736311674118042}],"sentiment":"positive","sentiment_score":0.4566498812484114,"num_words":76,"start":339.0,"end":367.85},{"sentences":[{"text":"One of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so.","start":368.63,"end":376.975,"sentiment":"positive","sentiment_score":0.3643814061696713},{"text":"You were comfortable with about $50 on a fortnightly basis.","start":377.515,"end":380.71503,"sentiment":"positive","sentiment_score":0.3353454440832138},{"text":"So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight.","start":380.71503,"end":386.255,"sentiment":"neutral","sentiment_score":0.315509138835801},{"text":"Having more money put into super now does give you a greater advantage because you end up compounding over the longer term.","start":386.55502,"end":392.61002,"sentiment":"positive","sentiment_score":0.5296948213468898},{"text":"Essentially, if you put $50 in now on a fortnightly basis and you're compounding that over the next twenty seven years towards your time, it has a greater effect on your super than if we start that ten years down the track there.","start":392.83002,"end":403.995,"sentiment":"positive","sentiment_score":0.42452338545821433}],"sentiment":"positive","sentiment_score":0.4068430852489311,"num_words":119,"start":368.63,"end":403.995},{"sentences":[{"text":"So starting off small is never a bad idea as well.","start":403.995,"end":407.275,"sentiment":"positive","sentiment_score":0.47627299753102387},{"text":"It kinda gets you comfortable to doing so.","start":407.275,"end":409.615,"sentiment":"positive","sentiment_score":0.5191099755465984},{"text":"Admittedly, moving more money into super does mean your take home pay reduces slightly as well.","start":409.835,"end":415.29498,"sentiment":"neutral","sentiment_score":0.2629806883633137},{"text":"So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term.","start":415.56,"end":425.82,"sentiment":"positive","sentiment_score":0.44544270924395984},{"text":"Essentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate.","start":426.44,"end":433.265,"sentiment":"neutral","sentiment_score":0.2962935375315802}],"sentiment":"positive","sentiment_score":0.3897573436084001,"num_words":92,"start":403.995,"end":433.265},{"sentences":[{"text":"And it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight.","start":433.565,"end":444.465,"sentiment":"positive","sentiment_score":0.3664935635108697},{"text":"However, it can over the longer term if we look to increase that and make changes to your circumstances can have a greater effect down the track.","start":444.9,"end":451.72,"sentiment":"positive","sentiment_score":0.49797142297029495},{"text":"And being taxed at 15% as opposed to your marginal tax rate means you've got more money invested compounding towards your retirement goals, which is more of an advantage there for you.","start":452.1,"end":461.745,"sentiment":"positive","sentiment_score":0.40977626759558916},{"text":"Does that make sense?","start":461.745,"end":462.88498,"sentiment":"neutral","sentiment_score":0.22641810029745102},{"text":"Yeah.","start":464.78497,"end":465.185,"sentiment":"positive","sentiment_score":0.3842054605484009}],"sentiment":"positive","sentiment_score":0.40955590449419677,"num_words":102,"start":433.565,"end":465.185},{"sentences":[{"text":"Perfect.","start":465.185,"end":465.685,"sentiment":"positive","sentiment_score":0.6339119672775269},{"text":"The other part of the recommendations was the insurance side of things.","start":466.94498,"end":470.19,"sentiment":"neutral","sentiment_score":0.2875625044107437},{"text":"So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there.","start":470.19,"end":476.53,"sentiment":"neutral","sentiment_score":0.32874472439289093},{"text":"So increasing that up to the 70% of your current income, which means we increase that to a monthly benefit of 6,183.","start":476.83002,"end":485.25,"sentiment":"positive","sentiment_score":0.38445319506255066},{"text":"We keep the thirty day wait and five year benefit period, so no changes there.","start":485.535,"end":489.795,"sentiment":"neutral","sentiment_score":0.28247530311346053}],"sentiment":"positive","sentiment_score":0.3335020249295566,"num_words":72,"start":465.185,"end":489.795},{"sentences":[{"text":"It does expect or mean that we do expect the the sorry, total premium to increase.","start":489.855,"end":495.39502,"sentiment":"neutral","sentiment_score":0.14372087735682726},{"text":"The first year's premium, we expect to be a total of 1,479.","start":495.935,"end":500.755,"sentiment":"neutral","sentiment_score":0.20352968573570251},{"text":"That is a little bit higher from where you were at the moment.","start":500.95,"end":503.45,"sentiment":"neutral","sentiment_score":0.045044994698120996},{"text":"Just going back to have a quick look at your current premium.","start":503.75,"end":506.55002,"sentiment":"neutral","sentiment_score":0.08046913022796313},{"text":"Sorry.","start":506.55002,"end":507.05002,"sentiment":"neutral","sentiment_score":0.00750543549656868}],"sentiment":"neutral","sentiment_score":0.116677966589729,"num_words":54,"start":489.855,"end":507.05002},{"sentences":[{"text":"Current premium we had deducted was 1,238.","start":507.75,"end":511.75,"sentiment":"neutral","sentiment_score":0.020278091675468853},{"text":"So we're essentially increasing that a little bit more significantly and only really adding an sort of $200 onto the cost of the premium for the year.","start":511.75,"end":519.755,"sentiment":"neutral","sentiment_score":0.2505580109578592},{"text":"That's meaning that instead of having a monthly benefit of 4,797, which is a bit low for the income that you're on, you can claim up to that full 70% in the event that something was to happen there.","start":520.21497,"end":532.315,"sentiment":"positive","sentiment_score":0.3603414461398736},{"text":"The thirty day wait, I do like because you only have to be off work for thirty days, and that can have a greater benefit.","start":532.58997,"end":538.82996,"sentiment":"positive","sentiment_score":0.3681136238574982},{"text":"There are certain illnesses or injuries where you might only be off for thirty days, might be off for another, you know, thirty or sixty then go back to work.","start":538.82996,"end":546.11,"sentiment":"neutral","sentiment_score":0.05621568200488885}],"sentiment":"neutral","sentiment_score":0.2488253155752318,"num_words":128,"start":507.75,"end":546.11},{"sentences":[{"text":"So it does actually mean that you can claim much sooner, putting less stress on your financial circumstances, but there's also instances where you can claim for extra illnesses or injuries that you might not be able to claim on if you had to wait that full sixty or ninety days there as well.","start":546.11,"end":562.91,"sentiment":"neutral","sentiment_score":0.11365126269972986},{"text":"Okay?","start":562.97,"end":563.47,"sentiment":"neutral","sentiment_score":0.04651837050914765},{"text":"Yep.","start":564.56995,"end":565.06995,"sentiment":"neutral","sentiment_score":0.09802280366420746},{"text":"Absolutely.","start":566.64996,"end":567.14996,"sentiment":"neutral","sentiment_score":0.03940202668309212},{"text":"Yes.","start":581.785,"end":582.285,"sentiment":"neutral","sentiment_score":-0.013290882110595705}],"sentiment":"neutral","sentiment_score":0.1087555259401942,"num_words":58,"start":546.11,"end":582.285},{"sentences":[{"text":"So it really depends on what the circumstances is when it comes to pregnancy.","start":592.2,"end":595.82,"sentiment":"neutral","sentiment_score":-0.18163698592356273},{"text":"They don't allow you to claim income protection just for to going on maternity leave and and being pregnant.","start":595.88,"end":600.94,"sentiment":"neutral","sentiment_score":-0.24529500619361275},{"text":"However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy.","start":601.08,"end":614.085,"sentiment":"neutral","sentiment_score":-0.17732189353122269},{"text":"But if you're just on maternity leave, they don't allow you to claim for that.","start":614.94,"end":618.7,"sentiment":"negative","sentiment_score":-0.33342804114023844},{"text":"So it's a hard question to answer.","start":618.7,"end":620.62,"sentiment":"negative","sentiment_score":-0.42031775202069965}],"sentiment":"neutral","sentiment_score":-0.23236744105815887,"num_words":98,"start":592.2,"end":620.62},{"sentences":[{"text":"It just comes down to what the illness or injury is that was a result of the pregnancy or the miscarriage or something to do with it.","start":620.62,"end":629.355,"sentiment":"negative","sentiment_score":-0.34484424304079125},{"text":"I have seen people be able to claim in the past where they've had a miscarriage, and then their body hasn't really they've had ongoing issues and illnesses and and pain and things like that, and they've had to take extra time off work, and that has been claimed again.","start":629.51495,"end":642.735,"sentiment":"neutral","sentiment_score":-0.18887865990400315},{"text":"But then I've also seen where people have tried to claim for, you know, having a a a bad labor, having to be off for longer than their maternity leave, and they've not backed the claim.","start":643.26,"end":654.30005,"sentiment":"neutral","sentiment_score":-0.3040899903410011},{"text":"So it all just comes down to what what the injury or illness is and and how it stems for them to be able to look at doing that for you, if that makes sense.","start":654.30005,"end":664.175,"sentiment":"neutral","sentiment_score":-0.16164386804614747},{"text":"It's a little bit hard to answer.","start":664.175,"end":665.295,"sentiment":"negative","sentiment_score":-0.38242147650037495}],"sentiment":"neutral","sentiment_score":-0.2453964704948087,"num_words":155,"start":620.62,"end":665.295},{"sentences":[{"text":"Sorry.","start":665.295,"end":665.77496,"sentiment":"neutral","sentiment_score":-0.2479286640882492},{"text":"It's a difficult one with pregnancy.","start":665.77496,"end":668.115,"sentiment":"neutral","sentiment_score":-0.30061867584784824},{"text":"Yeah.","start":672.12,"end":672.62,"sentiment":"neutral","sentiment_score":-0.05305234715342522},{"text":"I'm so sorry.","start":674.68,"end":676.37994,"sentiment":"neutral","sentiment_score":-0.16931429008642832},{"text":"Yeah.","start":676.51996,"end":677.01996,"sentiment":"neutral","sentiment_score":-0.11542005091905594}],"sentiment":"neutral","sentiment_score":-0.2273379989589254,"num_words":12,"start":665.295,"end":677.01996},{"sentences":[{"text":"Yeah.","start":680.36,"end":680.86,"sentiment":"neutral","sentiment_score":-0.02905060537159443},{"text":"No.","start":681.0,"end":681.24,"sentiment":"neutral","sentiment_score":-0.13438750803470612},{"text":"That's okay.","start":681.24,"end":682.12,"sentiment":"neutral","sentiment_score":-0.10120191425085068},{"text":"It's it's a it's a bit of a difficult one, but, no, I'm so sorry your friends had a difficult bath.","start":682.12,"end":686.505,"sentiment":"negative","sentiment_score":-0.358379623010045},{"text":"I know pregnancy doesn't work for everyone the same way.","start":686.505,"end":689.545,"sentiment":"neutral","sentiment_score":-0.32055267244577407}],"sentiment":"neutral","sentiment_score":-0.31706687855933396,"num_words":35,"start":680.36,"end":689.545},{"sentences":[{"text":"I've I had difficult ones, and I also had easy ones.","start":689.545,"end":692.425,"sentiment":"neutral","sentiment_score":-0.20231440731070258},{"text":"So it's definitely not not any not anything that we can kinda predict with how our body's gonna react to pregnancy.","start":692.425,"end":698.84503,"sentiment":"neutral","sentiment_score":-0.2016309911296481},{"text":"All good.","start":703.22003,"end":704.04004,"sentiment":"positive","sentiment_score":0.7290160059928894},{"text":"Essentially, within so looking to increase that income protection component there for you, this advice document has been scoped solely around to the superannuation.","start":705.06,"end":713.08,"sentiment":"neutral","sentiment_score":0.07448392570950091},{"text":"The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment.","start":713.46,"end":722.675,"sentiment":"neutral","sentiment_score":-0.06950577284241545}],"sentiment":"neutral","sentiment_score":-0.060111844569615935,"num_words":87,"start":689.545,"end":722.675},{"sentences":[{"text":"But if you are wanting to certainly have a look at that, please do let me know.","start":722.975,"end":726.975,"sentiment":"neutral","sentiment_score":0.0880069914547836},{"text":"We can definitely have more of a conversation and look at what your needs are in relation to any additional cover over and above what we have recommended already.","start":726.975,"end":735.7,"sentiment":"neutral","sentiment_score":0.24067070720524625},{"text":"It's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super.","start":736.4,"end":743.52,"sentiment":"neutral","sentiment_score":-0.018845774233341217},{"text":"So as part of the review process, while we're moving into the SMA and trying to sort of make things a little bit more streamlined for you and get the best out of your super, it's important that we still do those reviews with you.","start":743.52,"end":753.805,"sentiment":"neutral","sentiment_score":0.17304073290692434},{"text":"We'll review your circumstances, what needs to change, whether the sales stack is working for you, how the investments have performed.","start":753.94495,"end":760.19,"sentiment":"neutral","sentiment_score":0.0963276665480364}],"sentiment":"neutral","sentiment_score":0.12684001188193048,"num_words":140,"start":722.975,"end":760.19},{"sentences":[{"text":"Because if the estimate doesn't do what we need it to or doesn't work the same way, then we'll look at other options to kind of keep working towards your goals there.","start":760.19,"end":768.05,"sentiment":"neutral","sentiment_score":-0.0227957108290866},{"text":"And, also, looking at the insurance premiums because they are stacked.","start":768.35,"end":771.47003,"sentiment":"neutral","sentiment_score":-0.06018949147652496},{"text":"As you get older, the risk of you making a claim increases, and those insurance premiums do get more expensive over time.","start":771.47003,"end":777.90497,"sentiment":"neutral","sentiment_score":-0.18794461712241173},{"text":"So it is really important that we review that review that with you on a regular basis.","start":777.90497,"end":782.385,"sentiment":"neutral","sentiment_score":0.02880879053298165},{"text":"I do apologize.","start":782.385,"end":783.205,"sentiment":"neutral","sentiment_score":-0.10238816340764363}],"sentiment":"neutral","sentiment_score":-0.06286757388973938,"num_words":85,"start":760.19,"end":783.205},{"sentences":[{"text":"You'll note in the documents that we have reduced your ongoing service fee for this year up to 1.1% from the 1.65%.","start":784.625,"end":792.82,"sentiment":"neutral","sentiment_score":0.057660227260467684},{"text":"Our head of advisers approved that to be reduced for the twelve months.","start":793.2,"end":796.32,"sentiment":"neutral","sentiment_score":0.14329889703255433},{"text":"It and your review time will review how things are working for you and whether we increase that back to the 1.65 or whether we're able to reduce keep it at that 1.1.","start":796.32,"end":805.495,"sentiment":"neutral","sentiment_score":0.1283748977011507},{"text":"And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make.","start":806.115,"end":814.77496,"sentiment":"neutral","sentiment_score":0.11834789688388507},{"text":"It is important to note that it's legislated across the board.","start":815.15497,"end":817.73,"sentiment":"neutral","sentiment_score":0.13123774325305765}],"sentiment":"neutral","sentiment_score":0.11312375714843052,"num_words":103,"start":784.625,"end":817.73},{"sentences":[{"text":"So we actually don't it's standardized.","start":817.73,"end":819.91,"sentiment":"neutral","sentiment_score":0.10621103271842003},{"text":"It's 66% of the first year's insurance premiums and 22%, they're ongoing.","start":819.97,"end":824.31,"sentiment":"neutral","sentiment_score":0.19292652855316797},{"text":"Because it is standardized and legislated across the insurance industry, it means there's no conflict remuneration there.","start":824.85,"end":831.56995,"sentiment":"neutral","sentiment_score":0.27141117523698244},{"text":"It means that we it doesn't have any effect in the recommendations.","start":831.56995,"end":834.695,"sentiment":"neutral","sentiment_score":0.1920618712902069},{"text":"I recommended the increase solely with your current provider so that the increase is underwritten.","start":835.15497,"end":840.695,"sentiment":"neutral","sentiment_score":0.23922853668530783}],"sentiment":"neutral","sentiment_score":0.21708943586676352,"num_words":62,"start":817.73,"end":840.695},{"sentences":[{"text":"So if there are any changes, the current policy doesn't have any effect.","start":841.475,"end":845.495,"sentiment":"neutral","sentiment_score":0.18925369932101324},{"text":"It doesn't change your current policy in any way.","start":845.71497,"end":848.135,"sentiment":"neutral","sentiment_score":0.030603385633892484},{"text":"And by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there.","start":848.48,"end":854.87994,"sentiment":"neutral","sentiment_score":0.2850819308133352},{"text":"So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important.","start":854.87994,"end":863.94,"sentiment":"positive","sentiment_score":0.3736448635657628},{"text":"Does that make sense?","start":864.135,"end":866.155,"sentiment":"neutral","sentiment_score":0.203312736004591}],"sentiment":"neutral","sentiment_score":0.26941618129804534,"num_words":77,"start":841.475,"end":866.155},{"sentences":[{"text":"Yeah.","start":866.695,"end":867.175,"sentiment":"positive","sentiment_score":0.35906878113746643},{"text":"Perfect.","start":867.175,"end":867.675,"sentiment":"positive","sentiment_score":0.5891995429992676},{"text":"Do you have any questions?","start":867.735,"end":869.355,"sentiment":"neutral","sentiment_score":0.2684563994407654},{"text":"I've kind of touched on the things that I had to.","start":869.41504,"end":871.655,"sentiment":"neutral","sentiment_score":0.15750834210352463},{"text":"Do you have any questions around any part of the document, any of the recommendations, or anything at all?","start":871.655,"end":878.715,"sentiment":"neutral","sentiment_score":0.10198720936712466}],"sentiment":"neutral","sentiment_score":0.16110538006634326,"num_words":37,"start":866.695,"end":878.715},{"sentences":[{"text":"No.","start":884.35,"end":884.75,"sentiment":"neutral","sentiment_score":-0.11277733743190764},{"text":"That's okay.","start":884.75,"end":885.57,"sentiment":"neutral","sentiment_score":0.02150774118490517},{"text":"Mhmm.","start":893.565,"end":894.065,"sentiment":"neutral","sentiment_score":0.06533355265855789},{"text":"Yep.","start":895.965,"end":896.465,"sentiment":"neutral","sentiment_score":0.11441349238157272},{"text":"Yep.","start":896.765,"end":897.265,"sentiment":"neutral","sentiment_score":0.10945992171764374}],"sentiment":"neutral","sentiment_score":0.03657418528261284,"num_words":6,"start":884.35,"end":897.265},{"sentences":[{"text":"That's correct.","start":901.405,"end":902.385,"sentiment":"neutral","sentiment_score":0.15481888502836227},{"text":"Yeah.","start":902.765,"end":903.16504,"sentiment":"neutral","sentiment_score":0.1095925197005272},{"text":"So the first one there, the current is what you're in at the moment with your administration fees, investment fees, any other fees applicable to membership fees and an underlying costs, the ongoing service fee that you have been paying at the moment, your contributions going in next.","start":903.16504,"end":919.0,"sentiment":"neutral","sentiment_score":0.06171175177829961},{"text":"That's after the percent tax, but and doesn't take into account the increase in sales back, and then your current insurance premiums there as well.","start":919.0,"end":927.535,"sentiment":"neutral","sentiment_score":0.010937278680503369},{"text":"And then with the high growth portfolio, but showing the three year rolling average there because we weren't able to get the five year rolling average.","start":927.595,"end":934.65497,"sentiment":"neutral","sentiment_score":0.05414566768404956}],"sentiment":"neutral","sentiment_score":0.049633467665818685,"num_words":102,"start":901.405,"end":934.65497},{"sentences":[{"text":"But, I mean, when you have a look at that, I use projections as just a baseline to kind of look at this what's happening.","start":935.14,"end":941.77997,"sentiment":"neutral","sentiment_score":0.06502866506576538},{"text":"That's why I'm honest and tell you that there is a difference in the three year rolling average between the current high growth portfolio to the OVF estimate blend.","start":941.77997,"end":949.95996,"sentiment":"neutral","sentiment_score":0.17048585517653103},{"text":"And, like, when I had a look, either the 2024 annual review, you actually returned 7%.","start":950.555,"end":956.495,"sentiment":"neutral","sentiment_score":0.29509111773222685},{"text":"Last year when we spoke, it was 7%, and the markets have taken a bit of a hit this year as well.","start":956.875,"end":961.595,"sentiment":"neutral","sentiment_score":0.07024522803046486},{"text":"So the portfolio report currently shows you've had an increase of about 4%.","start":961.595,"end":966.79,"sentiment":"neutral","sentiment_score":0.24454494336476693}],"sentiment":"neutral","sentiment_score":0.1525308913418225,"num_words":105,"start":935.14,"end":966.79},{"sentences":[{"text":"So I always take these as the rolling averages with a grain of salt and note that we're working on your super.","start":967.25,"end":972.93,"sentiment":"neutral","sentiment_score":0.25591045821254904},{"text":"We're working on things.","start":972.93,"end":974.05,"sentiment":"positive","sentiment_score":0.35386645793914795},{"text":"So the fact that we're reducing your fees, increasing contributions in, hopefully, you get a pay rise there at some point you're deserving of that, That can actually have a greater long term effect on your super than just this three year rolling average because I know this three year rolling average should always be taken with a grain of salt.","start":974.05,"end":991.22504,"sentiment":"positive","sentiment_score":0.3666815806607731},{"text":"You can safely say over the last couple of years, you've not received the 16.59% return every year, and I would not expect that to happen moving forward with the amount of volatility that we are seeing.","start":991.84503,"end":1002.13,"sentiment":"neutral","sentiment_score":-0.13179657437108658},{"text":"So it's about looking at the other advantages.","start":1002.51,"end":1004.45,"sentiment":"neutral","sentiment_score":0.15485758520662785}],"sentiment":"neutral","sentiment_score":0.19526863456562613,"num_words":132,"start":967.25,"end":1004.45},{"sentences":[{"text":"The 13.97% for the SMA is probably a little bit more logical.","start":1005.15,"end":1009.41003,"sentiment":"neutral","sentiment_score":0.12441089407851298},{"text":"I still, again, don't expect you to get that every single year.","start":1009.955,"end":1013.09503,"sentiment":"neutral","sentiment_score":-0.2097775029639403},{"text":"What we're working towards is a building super at a steady rate on a regular basis and doing what we can to make sure that that continues.","start":1013.47504,"end":1020.695,"sentiment":"positive","sentiment_score":0.34411661989159054},{"text":"With a high growth portfolio, we're actually looking to try and get between eight to ten eight to 10% on a yearly basis, and keep that growing over time, and that's gonna have much more of an effect there.","start":1020.91504,"end":1031.8,"sentiment":"positive","sentiment_score":0.45414449236331844},{"text":"So, it's just it's important that you sort of see that.","start":1031.8,"end":1035.0,"sentiment":"neutral","sentiment_score":0.12779138004407287}],"sentiment":"neutral","sentiment_score":0.27112960210992115,"num_words":101,"start":1005.15,"end":1035.0},{"sentences":[{"text":"I'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four.","start":1035.0,"end":1044.535,"sentiment":"positive","sentiment_score":0.4328034826937844},{"text":"And there's no not a lot of selling that I have to change or move you out of Superfund at all.","start":1044.535,"end":1049.3351,"sentiment":"neutral","sentiment_score":0.22379002436285927},{"text":"It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over.","start":1049.3351,"end":1058.3,"sentiment":"neutral","sentiment_score":0.2743527591228485},{"text":"Whenever we are moving investments, any investments between the choice and the core product when we're moving between the current high growth through the SMA, Hub twenty four will always do it in the most tax effective way.","start":1059.16,"end":1070.2949,"sentiment":"neutral","sentiment_score":0.3026763565446201},{"text":"So they'll have a look at what you've owned for longer, where you've got you've owned for more than twelve months, what they can have discounts on, where they can benefit from losses to offset any gains to kinda minimize the CDT consequences of the moving.","start":1070.2949,"end":1083.97,"sentiment":"neutral","sentiment_score":0.30789642197930295}],"sentiment":"neutral","sentiment_score":0.3149656969291425,"num_words":171,"start":1035.0,"end":1083.97},{"sentences":[{"text":"And they in specie transfer everything over, so we don't have to sell everything to move it over.","start":1084.35,"end":1089.1699,"sentiment":"neutral","sentiment_score":0.2630029072364171},{"text":"The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains.","start":1089.23,"end":1097.33,"sentiment":"neutral","sentiment_score":0.24968261112059867},{"text":"Yeah.","start":1099.2051,"end":1099.7051,"sentiment":"neutral","sentiment_score":0.16012094914913175},{"text":"Yeah.","start":1100.165,"end":1100.665,"sentiment":"neutral","sentiment_score":0.2691442668437958},{"text":"Easy.","start":1104.885,"end":1105.385,"sentiment":"positive","sentiment_score":0.36821460723876953}],"sentiment":"neutral","sentiment_score":0.2555641890788565,"num_words":49,"start":1084.35,"end":1105.385},{"sentences":[{"text":"Mhmm.","start":1111.62,"end":1112.12,"sentiment":"neutral","sentiment_score":0.0023776148445904255},{"text":"Yep.","start":1114.98,"end":1115.48,"sentiment":"neutral","sentiment_score":0.006634247489273548},{"text":"It is.","start":1130.195,"end":1130.835,"sentiment":"neutral","sentiment_score":0.009709464386105537},{"text":"Yes.","start":1130.835,"end":1131.235,"sentiment":"neutral","sentiment_score":0.011013373732566832},{"text":"Sorry.","start":1131.235,"end":1131.635,"sentiment":"neutral","sentiment_score":-0.05859800428152085}],"sentiment":"neutral","sentiment_score":-0.0031923065738131613,"num_words":6,"start":1111.62,"end":1131.635},{"sentences":[{"text":"That is a typo.","start":1131.635,"end":1132.615,"sentiment":"neutral","sentiment_score":-0.12793762795627117},{"text":"Yeah.","start":1132.835,"end":1133.335,"sentiment":"neutral","sentiment_score":-0.07540705800056458},{"text":"My apologies about that one.","start":1133.5549,"end":1134.835,"sentiment":"neutral","sentiment_score":-0.15285594761371613},{"text":"If you go up to that is a typo on that back page because they're, obviously, they're missing a zero.","start":1134.835,"end":1140.48,"sentiment":"neutral","sentiment_score":-0.06838844027370214},{"text":"If you go up to page number 10, this does show it correctly at the current amount.","start":1142.54,"end":1148.7,"sentiment":"neutral","sentiment_score":0.02623240803094471}],"sentiment":"neutral","sentiment_score":-0.04836713142217474,"num_words":47,"start":1131.635,"end":1148.7},{"sentences":[{"text":"So it is missing an extra zero there.","start":1148.7,"end":1150.945,"sentiment":"neutral","sentiment_score":-0.08282996341586113},{"text":"Sorry about that.","start":1150.945,"end":1151.9249,"sentiment":"neutral","sentiment_score":-0.12597088515758514},{"text":"No.","start":1156.705,"end":1156.945,"sentiment":"neutral","sentiment_score":-0.03950654715299606},{"text":"No.","start":1156.945,"end":1157.2649,"sentiment":"neutral","sentiment_score":0.015559878200292587},{"text":"That's that's absolutely fine.","start":1157.2649,"end":1158.625,"sentiment":"neutral","sentiment_score":0.21891659311950207}],"sentiment":"neutral","sentiment_score":-0.011107803486725864,"num_words":17,"start":1148.7,"end":1158.625},{"sentences":[{"text":"So at the moment, you do have a million and 50,000 there.","start":1158.625,"end":1162.11,"sentiment":"neutral","sentiment_score":0.065065729431808},{"text":"That is correct.","start":1162.59,"end":1163.15,"sentiment":"neutral","sentiment_score":0.22032212217648825},{"text":"And on page 10, it notes it correctly.","start":1163.15,"end":1165.07,"sentiment":"neutral","sentiment_score":0.10172509122639894},{"text":"And then I've also got down here on page number sorry.","start":1165.07,"end":1169.95,"sentiment":"neutral","sentiment_score":0.054184006696397606},{"text":"The recommendations there is page 23.","start":1169.95,"end":1175.15,"sentiment":"neutral","sentiment_score":-0.004560577993591626}],"sentiment":"neutral","sentiment_score":0.0706054113805294,"num_words":40,"start":1158.625,"end":1175.15},{"sentences":[{"text":"Yeah.","start":1175.15,"end":1175.47,"sentiment":"neutral","sentiment_score":0.10834053158760072},{"text":"That's also got it noted correctly for you.","start":1175.47,"end":1177.63,"sentiment":"neutral","sentiment_score":0.16807146649807692},{"text":"So do apologize about that slight typo there.","start":1177.63,"end":1180.325,"sentiment":"neutral","sentiment_score":-0.055984933860599995},{"text":"I'm happy to go back and have that rectified and resend the documents too if you'd like us to.","start":1180.325,"end":1187.445,"sentiment":"positive","sentiment_score":0.48996747990972117},{"text":"That's okay.","start":1187.445,"end":1188.265,"sentiment":"neutral","sentiment_score":0.20330368727445602}],"sentiment":"neutral","sentiment_score":0.28213216540844815,"num_words":38,"start":1175.15,"end":1188.265},{"sentences":[{"text":"Yeah.","start":1188.645,"end":1189.145,"sentiment":"neutral","sentiment_score":0.16131539642810822},{"text":"Yeah.","start":1189.765,"end":1190.265,"sentiment":"neutral","sentiment_score":0.1931291222572327},{"text":"Yeah.","start":1190.325,"end":1190.825,"sentiment":"neutral","sentiment_score":0.2230468392372131},{"text":"No.","start":1190.965,"end":1191.465,"sentiment":"neutral","sentiment_score":0.28710511326789856},{"text":"That's absolutely fine.","start":1191.6499,"end":1193.09,"sentiment":"positive","sentiment_score":0.4847722053527832}],"sentiment":"neutral","sentiment_score":0.3312732981784003,"num_words":7,"start":1188.645,"end":1193.09},{"sentences":[{"text":"That's not a problem at all.","start":1193.09,"end":1194.71,"sentiment":"positive","sentiment_score":0.6074091891447703},{"text":"Did you have any other questions about any of the advice or the recommendations or just anything in general?","start":1195.1699,"end":1202.23,"sentiment":"neutral","sentiment_score":0.19107765037762492},{"text":"No.","start":1207.505,"end":1208.005,"sentiment":"neutral","sentiment_score":-0.1139000728726387},{"text":"That's like Yeah.","start":1208.145,"end":1216.26,"sentiment":"neutral","sentiment_score":-0.042325216655929886},{"text":"Yep.","start":1224.32,"end":1224.82,"sentiment":"neutral","sentiment_score":0.00684254989027977}],"sentiment":"neutral","sentiment_score":0.23469657730311155,"num_words":30,"start":1193.09,"end":1224.82},{"sentences":[{"text":"Yeah.","start":1232.655,"end":1233.155,"sentiment":"neutral","sentiment_score":0.0035146204754710197},{"text":"Yeah.","start":1233.695,"end":1234.195,"sentiment":"neutral","sentiment_score":0.008166437037289143},{"text":"Absolutely.","start":1235.0549,"end":1235.5549,"sentiment":"neutral","sentiment_score":0.05855453759431839},{"text":"So so this is your part your husband that you were talking about.","start":1236.015,"end":1238.495,"sentiment":"neutral","sentiment_score":0.012704336872467628},{"text":"I do apologize.","start":1238.495,"end":1239.215,"sentiment":"neutral","sentiment_score":-0.11152420441309611}],"sentiment":"neutral","sentiment_score":-0.0052200336205331915,"num_words":19,"start":1232.655,"end":1239.215},{"sentences":[{"text":"The phone did sorta cut out a little bit.","start":1239.215,"end":1240.735,"sentiment":"neutral","sentiment_score":-0.24889508055316079},{"text":"I'm so sorry.","start":1240.735,"end":1241.5549,"sentiment":"neutral","sentiment_score":-0.17648549874623617},{"text":"That's okay.","start":1243.58,"end":1243.98,"sentiment":"neutral","sentiment_score":-0.00249667651951313},{"text":"If he is looking at getting some advice and maybe looking at super funds, we can absolutely look to help him if he'd like us to.","start":1243.98,"end":1251.36,"sentiment":"neutral","sentiment_score":0.11677904154818791},{"text":"Essentially, if he just wanted to, what we could do, we can't join the super together.","start":1251.9,"end":1255.82,"sentiment":"neutral","sentiment_score":0.02377173095010221}],"sentiment":"neutral","sentiment_score":0.011466021449970347,"num_words":56,"start":1239.215,"end":1255.82},{"sentences":[{"text":"That's more of a self money super fund sort of structure, but we can look at if you were both to be in hub twenty four, we can do what's called a fee aggregator or a family fee aggregation.","start":1255.82,"end":1264.8251,"sentiment":"neutral","sentiment_score":0.09708238784701397},{"text":"We're essentially linking the accounts together.","start":1265.605,"end":1268.025,"sentiment":"neutral","sentiment_score":0.1953558847308159},{"text":"It does mean you can both see each other's superannuation, so we just need to make sure you are both comfortable with that.","start":1268.0851,"end":1273.52,"sentiment":"neutral","sentiment_score":0.16782288941676202},{"text":"But with the family fee aggregation, the more your balance grows, the more of a fee saving and administration fees you do get access to as well.","start":1273.8201,"end":1281.4401,"sentiment":"positive","sentiment_score":0.48977389710920827},{"text":"And we do have a coupling fee.","start":1281.98,"end":1283.5,"sentiment":"neutral","sentiment_score":0.3252815306186676}],"sentiment":"neutral","sentiment_score":0.23842294928709082,"num_words":102,"start":1255.82,"end":1283.5},{"sentences":[{"text":"So if you do decide to bring your husband on and he signs on as part of a as being a client, he does also get me as the adviser.","start":1283.5,"end":1291.295,"sentiment":"neutral","sentiment_score":0.33036268651485445},{"text":"But it also means that we keep your ongoing service fee down at 1.1, and he benefits from that as well.","start":1291.835,"end":1297.855,"sentiment":"positive","sentiment_score":0.5081238299608231},{"text":"And if you refer him on and he does sign on, you do also get a $100 gift card for the referrals.","start":1298.715,"end":1304.9501,"sentiment":"positive","sentiment_score":0.5043315982276743},{"text":"So if that's something you guys would like to to look at, I'm more than happy to do so.","start":1305.0901,"end":1310.0701,"sentiment":"positive","sentiment_score":0.6944442861958554},{"text":"I'd essentially go through the process of looking at the research with him, looking at what his goals are, tailoring advice to his needs and what he's after, and then we if he decides he's happy with the advice coming on as a client, and then we can kinda link everything together for you.","start":1310.6901,"end":1325.265,"sentiment":"positive","sentiment_score":0.4911986514925957}],"sentiment":"positive","sentiment_score":0.4890133205750217,"num_words":146,"start":1283.5,"end":1325.265},{"sentences":[{"text":"Yeah.","start":1325.325,"end":1325.825,"sentiment":"neutral","sentiment_score":0.2391379177570343},{"text":"Yeah.","start":1328.365,"end":1328.865,"sentiment":"neutral","sentiment_score":0.2220209836959839},{"text":"Yeah.","start":1329.405,"end":1329.8049,"sentiment":"neutral","sentiment_score":0.32152724266052246},{"text":"Feel free to have a chat to him about it.","start":1329.8049,"end":1331.34,"sentiment":"positive","sentiment_score":0.41006751358509064},{"text":"If he wants to just have a general chat with me first, I can absolutely organize that to look about what we do, how things work, how advice works, and then we can always, you know, do do the research with him.","start":1331.34,"end":1342.08,"sentiment":"positive","sentiment_score":0.4154469534045174}],"sentiment":"positive","sentiment_score":0.40603878769007595,"num_words":55,"start":1325.325,"end":1342.08},{"sentences":[{"text":"I am very honest and open.","start":1342.46,"end":1344.0599,"sentiment":"positive","sentiment_score":0.5065400252739588},{"text":"So if there's a point we're not able to help him or if it's not viable or it's not in his best interest, I will be really honest and let him know that.","start":1344.0599,"end":1351.395,"sentiment":"neutral","sentiment_score":0.05281555742928476},{"text":"So that's one thing I do pride myself on is the honesty and making sure that if it's not in his best interest, if he's better to stay where he is, that we'll recommend that for him.","start":1351.395,"end":1360.515,"sentiment":"neutral","sentiment_score":0.32912407322107134},{"text":"But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to help.","start":1360.515,"end":1379.1749,"sentiment":"positive","sentiment_score":0.7365217169125875},{"text":"Yeah.","start":1381.955,"end":1382.455,"sentiment":"positive","sentiment_score":0.4689564108848572}],"sentiment":"positive","sentiment_score":0.4780778252323599,"num_words":152,"start":1342.46,"end":1382.455},{"sentences":[{"text":"That's okay.","start":1382.755,"end":1383.5549,"sentiment":"neutral","sentiment_score":0.3104791045188904},{"text":"Did you wanna have it in touch to him first and let us know what you sort of wanted to do, Sarah, if he's interested?","start":1383.5549,"end":1387.975,"sentiment":"neutral","sentiment_score":0.1401171074807644},{"text":"Yeah.","start":1388.115,"end":1388.4349,"sentiment":"neutral","sentiment_score":0.19120027124881744},{"text":"Perfect.","start":1388.4349,"end":1388.9349,"sentiment":"positive","sentiment_score":0.4067947268486023},{"text":"Mhmm.","start":1395.55,"end":1396.05,"sentiment":"neutral","sentiment_score":-0.008899885229766369}],"sentiment":"neutral","sentiment_score":0.15709936696415147,"num_words":30,"start":1382.755,"end":1396.05},{"sentences":[{"text":"Okay.","start":1403.965,"end":1404.465,"sentiment":"neutral","sentiment_score":-0.010001672431826591},{"text":"It really depends.","start":1417.66,"end":1419.18,"sentiment":"neutral","sentiment_score":-0.08379305650790532},{"text":"Most of the platforms do prefer at least, say, 20 to $30,000 balance.","start":1419.18,"end":1424.54,"sentiment":"neutral","sentiment_score":-0.013436778950003477},{"text":"Hub twenty four prefer a $50,000 balance to begin with, but it also depends on the other circumstances.","start":1424.54,"end":1429.8049,"sentiment":"neutral","sentiment_score":-0.0179208442568779},{"text":"So you mentioned he was on work cover for the last three years.","start":1430.0249,"end":1432.9049,"sentiment":"neutral","sentiment_score":-0.013474873195473965}],"sentiment":"neutral","sentiment_score":-0.019454323259803157,"num_words":48,"start":1403.965,"end":1432.9049},{"sentences":[{"text":"Is he back, like, starting to work again?","start":1432.9049,"end":1435.625,"sentiment":"neutral","sentiment_score":-0.017010829877108335},{"text":"Is he earning an income?","start":1435.625,"end":1437.0049,"sentiment":"neutral","sentiment_score":-0.03451929502189159},{"text":"Yep.","start":1441.64,"end":1442.14,"sentiment":"neutral","sentiment_score":-0.0140606090426445},{"text":"Okay.","start":1449.24,"end":1449.74,"sentiment":"neutral","sentiment_score":0.017792196944355965},{"text":"Yep.","start":1458.695,"end":1459.195,"sentiment":"neutral","sentiment_score":0.04343656450510025}],"sentiment":"neutral","sentiment_score":-0.01634468510746956,"num_words":16,"start":1432.9049,"end":1459.195},{"sentences":[{"text":"Mhmm.","start":1462.855,"end":1463.355,"sentiment":"neutral","sentiment_score":0.03499014675617218},{"text":"Okay.","start":1464.215,"end":1464.715,"sentiment":"neutral","sentiment_score":0.05783654376864433},{"text":"Right.","start":1465.75,"end":1466.25,"sentiment":"neutral","sentiment_score":-0.047480784356594086},{"text":"Yeah.","start":1474.39,"end":1474.89,"sentiment":"neutral","sentiment_score":-0.08669576048851013},{"text":"Mhmm.","start":1484.485,"end":1484.985,"sentiment":"neutral","sentiment_score":-0.07967515289783478}],"sentiment":"neutral","sentiment_score":-0.024205001443624495,"num_words":5,"start":1462.855,"end":1484.985},{"sentences":[{"text":"Yeah.","start":1492.18,"end":1492.68,"sentiment":"neutral","sentiment_score":0.01761796697974205},{"text":"Yeah.","start":1494.8201,"end":1495.3201,"sentiment":"neutral","sentiment_score":0.22998666763305664},{"text":"Yeah.","start":1497.86,"end":1498.36,"sentiment":"neutral","sentiment_score":0.055493827909231186},{"text":"No.","start":1498.74,"end":1499.06,"sentiment":"neutral","sentiment_score":-0.020549681037664413},{"text":"That's understandable.","start":1499.06,"end":1499.8,"sentiment":"neutral","sentiment_score":-0.04473289242014289}],"sentiment":"neutral","sentiment_score":0.032180499440679945,"num_words":6,"start":1492.18,"end":1499.8},{"sentences":[{"text":"I mean, the other option is if if we can't help you, if it's preferable, I can even just do up strategy paper, which is obviously fully complimentary.","start":1500.18,"end":1507.385,"sentiment":"neutral","sentiment_score":0.14536631439945527},{"text":"And that kinda gives him an idea of what industry fund can work for him, what the fees look like, how it sort of looks in a strategy paper is whilst it's not personal advice.","start":1508.005,"end":1516.565,"sentiment":"neutral","sentiment_score":0.26688383498362134},{"text":"It's more just sort of this is what your goal is.","start":1516.565,"end":1519.06,"sentiment":"neutral","sentiment_score":0.24455375969409943},{"text":"Obviously, our services might not be right for you.","start":1519.36,"end":1521.76,"sentiment":"neutral","sentiment_score":-0.07823752239346504},{"text":"However, this is what we're suggesting you probably do in this circumstance to help you along.","start":1521.76,"end":1526.8,"sentiment":"neutral","sentiment_score":0.32668748684227467}],"sentiment":"neutral","sentiment_score":0.20832469163819997,"num_words":99,"start":1500.18,"end":1526.8},{"sentences":[{"text":"So I can absolutely do that as well.","start":1526.8,"end":1528.8201,"sentiment":"positive","sentiment_score":0.5720828175544739},{"text":"With the the fact that he's not working, we would wanna make sure to get value out of our services.","start":1529.68,"end":1535.405,"sentiment":"neutral","sentiment_score":0.3174679972231388},{"text":"Making contributions is definitely an important aspect there.","start":1535.405,"end":1538.365,"sentiment":"positive","sentiment_score":0.4840534180402756},{"text":"So whilst he's not working, I would have to look at whether paying out ongoing service fee is gonna be of a of a benefit to him or whether staying in an industry fund for a shorter period of time might be a bigger benefit.","start":1538.365,"end":1553.3201,"sentiment":"neutral","sentiment_score":0.0913561600777838},{"text":"But I look at all those options for you as well.","start":1553.3201,"end":1555.74,"sentiment":"neutral","sentiment_score":0.1277389810843901}],"sentiment":"neutral","sentiment_score":0.2208109328766232,"num_words":92,"start":1526.8,"end":1555.74},{"sentences":[{"text":"You mentioned that he has been on a TPD claim in the past.","start":1556.375,"end":1559.495,"sentiment":"neutral","sentiment_score":-0.039570536464452744},{"text":"So if he has claimed TPD in the past, getting disability cover moving forward is gonna be very difficult.","start":1559.495,"end":1565.2749,"sentiment":"neutral","sentiment_score":-0.24140886687918714},{"text":"Generally, once you've had a claim in the past, they don't wanna re reinsure you with disability for income protection or TBD.","start":1566.215,"end":1572.97,"sentiment":"neutral","sentiment_score":-0.06668069899420846},{"text":"But that is still something I can absolutely look at.","start":1573.6699,"end":1575.83,"sentiment":"neutral","sentiment_score":0.23551579862833022},{"text":"I would just wanna get some more information around what the claim was, the injury, the illness, and and I can go out to all the insurers and have a really good look at what the options might be available to him.","start":1575.83,"end":1585.5299,"sentiment":"neutral","sentiment_score":0.20687364848951498}],"sentiment":"neutral","sentiment_score":0.04222349434177268,"num_words":106,"start":1556.375,"end":1585.5299},{"sentences":[{"text":"Often, he probably still can get a bit of life depending on what you're after and maybe some trauma if he's happy paying for insurance out of pocket.","start":1585.8949,"end":1593.835,"sentiment":"neutral","sentiment_score":-0.00030476520104067665},{"text":"But it just comes down to what the injury or the illness was that caused him to claim on disability in the past.","start":1594.135,"end":1600.2,"sentiment":"neutral","sentiment_score":-0.09971020435509474},{"text":"So but all of those are these things I can absolutely do, and I'm happy to do the research for him.","start":1600.2,"end":1605.88,"sentiment":"positive","sentiment_score":0.6038879737967536},{"text":"It's not a problem at all.","start":1605.88,"end":1607.08,"sentiment":"positive","sentiment_score":0.6187951862812042},{"text":"So feel free to have a chat to him, talk about what we do.","start":1607.08,"end":1610.36,"sentiment":"positive","sentiment_score":0.4994719262634005}],"sentiment":"neutral","sentiment_score":0.22918649357946022,"num_words":92,"start":1585.8949,"end":1610.36},{"sentences":[{"text":"And if he wants to just talk to me before going through the process, I can absolutely help with that as well.","start":1610.36,"end":1615.1599,"sentiment":"positive","sentiment_score":0.4111800478263335},{"text":"Okay.","start":1615.1599,"end":1615.6599,"sentiment":"neutral","sentiment_score":0.2744258642196655},{"text":"Yeah.","start":1617.8949,"end":1618.3949,"sentiment":"positive","sentiment_score":0.4076434075832367},{"text":"That's okay.","start":1618.695,"end":1619.335,"sentiment":"positive","sentiment_score":0.37049897015094757},{"text":"That's not a problem at all.","start":1619.335,"end":1620.955,"sentiment":"positive","sentiment_score":0.4135080724954605}],"sentiment":"positive","sentiment_score":0.40468989685177803,"num_words":32,"start":1610.36,"end":1620.955},{"sentences":[{"text":"Are you saying No.","start":1623.735,"end":1627.335,"sentiment":"neutral","sentiment_score":0.009229424875229597},{"text":"No.","start":1627.335,"end":1627.6549,"sentiment":"neutral","sentiment_score":-0.030957484617829323},{"text":"That's okay.","start":1627.6549,"end":1628.215,"sentiment":"neutral","sentiment_score":0.06672078929841518},{"text":"We were having this conversation first, and then you were gonna go back and have a bit of a look at it again.","start":1628.215,"end":1633.56,"sentiment":"neutral","sentiment_score":0.1786726143049157},{"text":"If you're comfortable moving forward, I'll get you to sign that one.","start":1634.18,"end":1636.9801,"sentiment":"neutral","sentiment_score":0.3019439068933328}],"sentiment":"neutral","sentiment_score":0.1874333048860232,"num_words":42,"start":1623.735,"end":1636.9801},{"sentences":[{"text":"It does have your annual review documents attached as well.","start":1636.9801,"end":1639.6201,"sentiment":"neutral","sentiment_score":0.2301889032125473},{"text":"I wanted to sort of send everything out to you together.","start":1639.6201,"end":1642.2001,"sentiment":"neutral","sentiment_score":0.27205233004960144},{"text":"So it's got the quote to show the increase of the income protection, the ongoing service agreement for the next twelve months there as well with the reduction in the fees.","start":1642.845,"end":1650.625,"sentiment":"neutral","sentiment_score":0.28393708842415966},{"text":"And I've added a whole bunch of documents, the financial services guide into the email as well that you're welcome to review.","start":1650.925,"end":1657.26,"sentiment":"neutral","sentiment_score":0.32720284909009933},{"text":"It has my lovely photo and all the information about me, and you can even show that to your partner.","start":1657.26,"end":1662.7,"sentiment":"positive","sentiment_score":0.4451193571090698}],"sentiment":"neutral","sentiment_score":0.3212485555955704,"num_words":94,"start":1636.9801,"end":1662.7},{"sentences":[{"text":"Kinda let him see all the information about the financial services guide, who we are, what we do, how we do it to give him a bit of an idea of, you know, who advisers are.","start":1662.7,"end":1671.495,"sentiment":"neutral","sentiment_score":0.24618782848119736},{"text":"But feel free to run your eyes over those documents.","start":1672.035,"end":1674.4349,"sentiment":"neutral","sentiment_score":0.20790530741214752},{"text":"If you have any questions, let me know.","start":1674.4349,"end":1676.375,"sentiment":"neutral","sentiment_score":0.1675075963139534},{"text":"The one document that is a bit different to all the others is the tax file opt in form.","start":1676.515,"end":1680.995,"sentiment":"neutral","sentiment_score":0.010323767109136833},{"text":"So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it.","start":1680.995,"end":1687.8999,"sentiment":"neutral","sentiment_score":0.12418198047412767}],"sentiment":"neutral","sentiment_score":0.15830940717831254,"num_words":100,"start":1662.7,"end":1687.8999},{"sentences":[{"text":"It is safe and secure.","start":1687.8999,"end":1689.34,"sentiment":"positive","sentiment_score":0.3840524733066559},{"text":"We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold that.","start":1689.34,"end":1696.48,"sentiment":"neutral","sentiment_score":0.23473963141441345},{"text":"And we also do a lost super search on a regular basis as well.","start":1696.7799,"end":1700.295,"sentiment":"neutral","sentiment_score":0.15857427700289659},{"text":"So we have that document attached for you to sign.","start":1700.6951,"end":1703.415,"sentiment":"neutral","sentiment_score":0.15849594697356223},{"text":"We'll go back to the ATO to see if there's any money out in the ether anywhere and see what we can find, if we can find anything else to help you along as well.","start":1703.415,"end":1712.635,"sentiment":"neutral","sentiment_score":0.21482829707009451}],"sentiment":"neutral","sentiment_score":0.21497202809486124,"num_words":90,"start":1687.8999,"end":1712.635},{"sentences":[{"text":"Okay?","start":1712.6951,"end":1713.1951,"sentiment":"neutral","sentiment_score":0.13269741833209991},{"text":"Perfect.","start":1716.15,"end":1716.65,"sentiment":"positive","sentiment_score":0.6504281759262085},{"text":"Perfect.","start":1716.71,"end":1717.21,"sentiment":"positive","sentiment_score":0.589128851890564},{"text":"So you'll find there's a few documents attached.","start":1717.59,"end":1719.59,"sentiment":"neutral","sentiment_score":0.11102464981377125},{"text":"Feel free to run your eyes through any of those.","start":1719.59,"end":1721.99,"sentiment":"neutral","sentiment_score":0.1773843139410019}],"sentiment":"neutral","sentiment_score":0.19210927543186007,"num_words":21,"start":1712.6951,"end":1721.99},{"sentences":[{"text":"If you have any questions, let me know.","start":1721.99,"end":1724.25,"sentiment":"neutral","sentiment_score":0.12413001991808414},{"text":"If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me.","start":1724.47,"end":1729.155,"sentiment":"neutral","sentiment_score":0.2902997887947343},{"text":"If there are any changes on the last page of the advice document, we do have a text box where you can write if you there's anything you don't wish to undertake or any part of the advice you don't wish to proceed with, which is completely fine.","start":1729.395,"end":1742.535,"sentiment":"neutral","sentiment_score":0.059940793454491846},{"text":"And if you're happy if it asks you to sign that text box regardless, just put NA if there's no changes if you're happy to take on all of the advice, if that helps.","start":1743.14,"end":1751.64,"sentiment":"neutral","sentiment_score":0.17410180882057724},{"text":"Yeah.","start":1753.46,"end":1753.96,"sentiment":"neutral","sentiment_score":0.03687445819377899}],"sentiment":"neutral","sentiment_score":0.1434790226259986,"num_words":113,"start":1721.99,"end":1753.96},{"sentences":[{"text":"Yep.","start":1762.515,"end":1763.015,"sentiment":"neutral","sentiment_score":0.03409886360168457},{"text":"So yeah.","start":1768.45,"end":1770.13,"sentiment":"neutral","sentiment_score":0.024114375934004784},{"text":"So that's essentially the the projection of how Neo see the the annualized and the cumulative premiums projected over time.","start":1770.13,"end":1779.09,"sentiment":"neutral","sentiment_score":0.05452740415930748},{"text":"So this is why it's really important that we review things with you.","start":1779.09,"end":1782.645,"sentiment":"neutral","sentiment_score":0.09177427079815131},{"text":"So it's basically looking at year one is, like, from now, the expected annualized premium.","start":1783.185,"end":1788.225,"sentiment":"neutral","sentiment_score":0.0796722595890363}],"sentiment":"neutral","sentiment_score":0.06982402182092853,"num_words":51,"start":1762.515,"end":1788.225},{"sentences":[{"text":"You'll see the first premium, $17.39 94.","start":1788.225,"end":1791.425,"sentiment":"neutral","sentiment_score":0.08712879568338394},{"text":"That's how much the insurance company receives.","start":1791.425,"end":1793.605,"sentiment":"neutral","sentiment_score":0.09795820393732615},{"text":"You'll only pay what's in that table at the above there, which is about $1,400.","start":1793.97,"end":1798.37,"sentiment":"neutral","sentiment_score":0.07550385743379592},{"text":"So you get a bit of a discount, a 58 percent discount for paying for your insurances out of super.","start":1798.37,"end":1803.65,"sentiment":"neutral","sentiment_score":0.26040102615952493},{"text":"It's because of the taxation inside super.","start":1803.65,"end":1805.89,"sentiment":"neutral","sentiment_score":0.1709808153765542}],"sentiment":"neutral","sentiment_score":0.15773309088711226,"num_words":56,"start":1788.225,"end":1805.89},{"sentences":[{"text":"They give you a rebate.","start":1805.89,"end":1806.95,"sentiment":"neutral","sentiment_score":0.13532491624355317},{"text":"But this is sort of showing you that over the course of the next sort of ten odd years, how they expect the insurance premiums to increase over time, and they do get more and more expensive as you get older.","start":1808.085,"end":1819.285,"sentiment":"neutral","sentiment_score":-0.03912142500644777},{"text":"So that's why we wanna keep looking at what your level of cover is.","start":1819.285,"end":1822.97,"sentiment":"neutral","sentiment_score":-0.012274638217474734},{"text":"If you're if you're if you need less cover, we wanna start reducing that.","start":1822.97,"end":1827.85,"sentiment":"neutral","sentiment_score":-0.04199176601001194},{"text":"Realistically, the idea is you start with a higher level of cover.","start":1827.85,"end":1830.8099,"sentiment":"neutral","sentiment_score":0.07165514212101698}],"sentiment":"neutral","sentiment_score":-0.009618858113711657,"num_words":86,"start":1805.89,"end":1830.8099},{"sentences":[{"text":"Now you have a higher mortgage and a lower super balance.","start":1830.8099,"end":1833.63,"sentiment":"neutral","sentiment_score":0.08348705992102623},{"text":"But as your super balance increases significantly, as you reduce your debt level, we should be able to start reducing your cover down so you pay less and less and less.","start":1833.725,"end":1842.625,"sentiment":"neutral","sentiment_score":0.11332448247459627},{"text":"If we can't reduce your cover down as your insurances do accumulate and the risk of you making a claim increases, your insurance premiums actually increase in the cost of how much they're gonna cost you over time.","start":1842.925,"end":1855.5801,"sentiment":"neutral","sentiment_score":-0.07723539952482832},{"text":"So, generally, by the time we get into our fifties, they're actually very expensive premiums.","start":1855.5801,"end":1861.02,"sentiment":"neutral","sentiment_score":-0.10311364481846491},{"text":"So this isn't too bad.","start":1861.02,"end":1862.595,"sentiment":"neutral","sentiment_score":-0.04288170486688614}],"sentiment":"neutral","sentiment_score":-0.0026464176271110773,"num_words":100,"start":1830.8099,"end":1862.595},{"sentences":[{"text":"This sort of shows that in the next ten years, it probably goes up by about $2, which isn't too bad.","start":1862.595,"end":1868.595,"sentiment":"neutral","sentiment_score":0.033247144804114385},{"text":"And we wanna make sure your super is still working by that, but we don't wanna we don't wanna eat away all of your super with your insurance premium.","start":1868.595,"end":1876.5599,"sentiment":"neutral","sentiment_score":0.016165867367566658},{"text":"So it's about making sure you've got the right level of cover so that your super is still working hard for you as well, and that's why the reviews are really important.","start":1876.5599,"end":1883.5399,"sentiment":"neutral","sentiment_score":0.16371234436519444},{"text":"Yeah.","start":1885.5199,"end":1886.0199,"sentiment":"neutral","sentiment_score":0.17047953605651855},{"text":"Yeah.","start":1886.32,"end":1886.7999,"sentiment":"neutral","sentiment_score":0.26673340797424316}],"sentiment":"neutral","sentiment_score":0.08146438283646214,"num_words":84,"start":1862.595,"end":1886.7999},{"sentences":[{"text":"Perfect.","start":1886.7999,"end":1887.2999,"sentiment":"positive","sentiment_score":0.566689133644104},{"text":"And yeah.","start":1890.335,"end":1891.775,"sentiment":"neutral","sentiment_score":0.26930761337280273},{"text":"And yep.","start":1891.775,"end":1893.075,"sentiment":"neutral","sentiment_score":0.17338495701551437},{"text":"Perfect.","start":1893.2949,"end":1893.7949,"sentiment":"neutral","sentiment_score":0.31708693504333496},{"text":"I was you're right.","start":1893.855,"end":1895.2949,"sentiment":"neutral","sentiment_score":0.11385366320610046}],"sentiment":"neutral","sentiment_score":0.2224575862288475,"num_words":10,"start":1886.7999,"end":1895.2949},{"sentences":[{"text":"Sorry.","start":1895.2949,"end":1895.455,"sentiment":"neutral","sentiment_score":0.01348612643778324},{"text":"I was just gonna answer the question.","start":1895.455,"end":1896.575,"sentiment":"neutral","sentiment_score":0.0102369791961142},{"text":"So you also asked me what a and b stands for.","start":1896.575,"end":1898.655,"sentiment":"neutral","sentiment_score":0.02425900838253173},{"text":"It's age next birthday.","start":1898.655,"end":1899.695,"sentiment":"neutral","sentiment_score":0.020956757944077253},{"text":"I do apologize.","start":1899.695,"end":1900.4149,"sentiment":"neutral","sentiment_score":-0.07074655468265216}],"sentiment":"neutral","sentiment_score":0.008599286182568623,"num_words":26,"start":1895.2949,"end":1900.4149},{"sentences":[{"text":"I missed answering that question for you.","start":1900.4149,"end":1902.275,"sentiment":"neutral","sentiment_score":-0.10878125657992703},{"text":"Yep.","start":1910.1599,"end":1910.6599,"sentiment":"neutral","sentiment_score":0.07544022798538208},{"text":"Yeah.","start":1911.76,"end":1912.1599,"sentiment":"neutral","sentiment_score":0.08390381187200546},{"text":"So if you're happy to go ahead with that, just press the sign button.","start":1912.1599,"end":1914.96,"sentiment":"neutral","sentiment_score":0.1533404216170311},{"text":"It'll take you through to all automatically help you.","start":1914.96,"end":1926.395,"sentiment":"neutral","sentiment_score":0.25837467941972947}],"sentiment":"neutral","sentiment_score":0.12093791441293433,"num_words":32,"start":1900.4149,"end":1926.395},{"sentences":[{"text":"Yeah.","start":1928.2151,"end":1928.7151,"sentiment":"positive","sentiment_score":0.4748682677745819},{"text":"Perfect.","start":1929.33,"end":1929.83,"sentiment":"positive","sentiment_score":0.7167683839797974},{"text":"Oh, not a problem at all, Sarah.","start":1932.0499,"end":1934.0499,"sentiment":"positive","sentiment_score":0.4831009124006544},{"text":"I really enjoyed putting this together for you.","start":1934.0499,"end":1935.8099,"sentiment":"positive","sentiment_score":0.8607976213097572},{"text":"I do apologize.","start":1935.8099,"end":1936.5499,"sentiment":"neutral","sentiment_score":0.13765828559796014}],"sentiment":"positive","sentiment_score":0.5936349432915449,"num_words":20,"start":1928.2151,"end":1936.5499},{"sentences":[{"text":"It took a little bit longer to kinda get it all out, but I wanna make sure moving forward, things are working harder for you.","start":1936.69,"end":1941.73,"sentiment":"positive","sentiment_score":0.3346377551555634},{"text":"And I'm glad you enjoyed your holiday.","start":1941.73,"end":1943.4299,"sentiment":"positive","sentiment_score":0.7901840209960938},{"text":"Yeah.","start":1947.755,"end":1948.075,"sentiment":"positive","sentiment_score":0.3552505373954773},{"text":"Not a problem at all.","start":1948.075,"end":1949.115,"sentiment":"positive","sentiment_score":0.3918762385845184},{"text":"Let me know if there's any questions you have at any time.","start":1949.115,"end":1951.195,"sentiment":"neutral","sentiment_score":0.3116927531858285}],"sentiment":"positive","sentiment_score":0.399043535888195,"num_words":50,"start":1936.69,"end":1951.195},{"sentences":[{"text":"You've got my email.","start":1951.195,"end":1952.255,"sentiment":"neutral","sentiment_score":0.2773646265268326},{"text":"Always make time to touch base if you need me to as well.","start":1952.395,"end":1955.355,"sentiment":"neutral","sentiment_score":0.28812695695803714},{"text":"Okay?","start":1955.355,"end":1955.855,"sentiment":"neutral","sentiment_score":0.19966216385364532},{"text":"My pleasure.","start":1958.073,"end":1958.713,"sentiment":"positive","sentiment_score":0.7045336067676544},{"text":"Thanks, Sarah.","start":1958.713,"end":1959.433,"sentiment":"positive","sentiment_score":0.6774725914001465}],"sentiment":"positive","sentiment_score":0.35539925030686637,"num_words":22,"start":1951.195,"end":1959.433},{"sentences":[{"text":"See you later.","start":1959.433,"end":1960.153,"sentiment":"positive","sentiment_score":0.5682340860366821},{"text":"Bye.","start":1960.153,"end":1960.653,"sentiment":"neutral","sentiment_score":-0.08954198658466339}],"sentiment":"positive","sentiment_score":0.40379006788134575,"num_words":4,"start":1959.433,"end":1960.653}]}}]},{"alternatives":[{"transcript":"Hello. Sarah speaking. Good. How are you going? Yeah. That's right. Yeah. Yeah. Yeah. I did have a look. It was mainly the insurance, so I was just wanting to, you know, have a look at and that all yeah. I am sorry. My my mom just so I'm just coming back from her. But I'll get back soon, so it'll be fine. Bye. Have my yeah. Yeah. Yeah. Just go for it. Yeah. No problem. Sarah Bethany Valen. '20 1992. 20 Del Rio, Chris, San Antonio, Victoria 3966. Yeah. Yeah. We're just away in Queensland. That's right. Yeah. Yeah. That'd be good. K. Yeah. Can I just ask, is there, like so say if we if there's something related to, like, a pregnancy or something, like, say something good? Is that at all could not all at all be in conversation, or is that just, you know, say it's something say if you have a really difficult birth, or is that not related at all? That's okay. I know that's it. Let me check. My friend just had a really It's not open. Alright. Thank you. Yeah. That's good. Yes. Yeah. No. I don't think so. I guess I'm just the comparison. So is this investment returns like the recommended switch where where we've got Choice and Super actual and Core switching. These are all the differences between the fees and the adviser fees, net contribution. Okay. Perfect. In this so it still remains. I'm just looking at page what page is this? 35 of confidential statement of advice. It kind of, like, a 105,000 because there's a dot after that is not a comma. It it is a million, isn't it? My life insurance and my TPD. No. No. No. Okay. I just thought as long as it's not wrong. Okay. Right. Yeah. Yeah. No. I don't mind. As long as it because it is what it is. Yeah. No. I don't think so. My currently has an insurance a superannuation he's looking at. Any options if we were to join or together? Like, obviously, he has his own super balance, but is there any, like I don't know. Like, combine you know, like, combined support options or husband and wife? Or Yeah. Okay. That's of course. Sounds good. Alright. Thank you. Yeah. Yeah. It's like a Super Balance. So he's been on work cover the last, I don't know, three years. And he's only just started they've only just started paying his super balance, and it was previously paid out with his TPD claim. So I'm not really sure if he'll even have enough, but it was more is there, like, a certain balance that that you wouldn't bother kind of helping until it reaches a certain amount, like, whether it would be worth it or not? No. He's still well, he was previously on income protection and then WorkCover took over. So, yeah, he is looking for work, but he has started working yet. But there was a there was something about the laws in WorkCover, and they started paying his super balance from a certain date. So he picked a superannuation fund, so he just picked one and just went with that. But he doesn't have like, I asked him yesterday, he doesn't have, like, TPD and he doesn't have income protection. He doesn't have any of it. So I asked him to, like, look into that and sign up and sort it all out, but I just wanted him to so he's gonna work out the fees and all that related to that. Then I thought that he should probably chat to somebody else and see if there's another option for him or tailored a little more towards his needs because he's back again with his super balance. Oh, that'd be really cool. Okay. Thank you. Yeah. Okay. Perfect. Well yeah. So have I already signed that? I can't remember. Mhmm. Sounds good. Okay. Okay. And in these bottom pages, it's talking about projection quote our protection quote projection. Is that just an estimated what's a n d premium? Yes. Yes. That makes sense. Amazing. Well yes. Okay. This is a good time. Is it is it okay? Oh, that's it. All good. Perfect. So is it just this one that you need signed? Oh, that's great. Alright. Thank you. And thanks so much for your help. We appreciate it. Yeah. Yeah. That's good. Thanks. Thanks for that. 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Sarah speaking. Good. How are you going? Yeah.\n\nThat's right. Yeah. Yeah. Yeah. I did have a look.\n\nIt was mainly the insurance, so I was just wanting to, you know, have a look at and that all yeah. I am sorry. My my mom just so I'm just coming back from her. But I'll get back soon, so it'll be fine. Bye.\n\nHave my yeah. Yeah. Yeah. Just go for it. Yeah.\n\nNo problem. Sarah Bethany Valen. '20 1992. 20 Del Rio, Chris, San Antonio, Victoria 3966. Yeah.\n\nYeah. We're just away in Queensland. That's right. Yeah. Yeah.\n\nThat'd be good. K. Yeah. Can I just ask, is there, like so say if we if there's something related to, like, a pregnancy or something, like, say something good? Is that at all could not all at all be in conversation, or is that just, you know, say it's something say if you have a really difficult birth, or is that not related at all?\n\nThat's okay. I know that's it. Let me check. My friend just had a really It's not open. Alright.\n\nThank you. Yeah. That's good. Yes. Yeah.\n\nNo. I don't think so. I guess I'm just the comparison. So is this investment returns like the recommended switch where where we've got Choice and Super actual and Core switching. These are all the differences between the fees and the adviser fees, net contribution.\n\nOkay. Perfect. In this so it still remains. I'm just looking at page what page is this? 35 of confidential statement of advice.\n\nIt kind of, like, a 105,000 because there's a dot after that is not a comma. It it is a million, isn't it? My life insurance and my TPD. No. No.\n\nNo. Okay. I just thought as long as it's not wrong. Okay. Right.\n\nYeah. Yeah. No. I don't mind. As long as it because it is what it is.\n\nYeah. No. I don't think so. My currently has an insurance a superannuation he's looking at. Any options if we were to join or together?\n\nLike, obviously, he has his own super balance, but is there any, like I don't know. Like, combine you know, like, combined support options or husband and wife? Or Yeah. Okay. That's of course.\n\nSounds good. Alright. Thank you. Yeah. Yeah.\n\nIt's like a Super Balance. So he's been on work cover the last, I don't know, three years. And he's only just started they've only just started paying his super balance, and it was previously paid out with his TPD claim. So I'm not really sure if he'll even have enough, but it was more is there, like, a certain balance that that you wouldn't bother kind of helping until it reaches a certain amount, like, whether it would be worth it or not? No.\n\nHe's still well, he was previously on income protection and then WorkCover took over. So, yeah, he is looking for work, but he has started working yet. But there was a there was something about the laws in WorkCover, and they started paying his super balance from a certain date. So he picked a superannuation fund, so he just picked one and just went with that. But he doesn't have like, I asked him yesterday, he doesn't have, like, TPD and he doesn't have income protection.\n\nHe doesn't have any of it. So I asked him to, like, look into that and sign up and sort it all out, but I just wanted him to so he's gonna work out the fees and all that related to that. Then I thought that he should probably chat to somebody else and see if there's another option for him or tailored a little more towards his needs because he's back again with his super balance. Oh, that'd be really cool. Okay.\n\nThank you. Yeah. Okay. Perfect. Well yeah.\n\nSo have I already signed that? I can't remember. Mhmm. Sounds good. Okay.\n\nOkay. And in these bottom pages, it's talking about projection quote our protection quote projection. Is that just an estimated what's a n d premium? Yes. Yes.\n\nThat makes sense. Amazing. Well yes. Okay. This is a good time.\n\nIs it is it okay? Oh, that's it. All good. Perfect. So is it just this one that you need signed?\n\nOh, that's great. Alright. Thank you. And thanks so much for your help. We appreciate it.\n\nYeah. Yeah. That's good. Thanks. Thanks for that.\n\nSee you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03006504662334919},{"text":"Sarah speaking.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.023658473044633865},{"text":"Good.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.4923868775367737},{"text":"How are you going?","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.3642161786556244},{"text":"Yeah.","start":14.88,"end":15.12,"sentiment":"neutral","sentiment_score":0.1429596245288849}],"sentiment":"neutral","sentiment_score":0.24106591215564144,"num_words":9,"start":1.12,"end":15.12},{"sentences":[{"text":"That's 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coming back from her.","start":41.489998,"end":46.235,"sentiment":"neutral","sentiment_score":-0.06348702785643665},{"text":"But I'll get back soon, so it'll be fine.","start":46.614998,"end":49.754997,"sentiment":"neutral","sentiment_score":0.04744265725215276},{"text":"Bye.","start":50.055,"end":50.135,"sentiment":"neutral","sentiment_score":0.08126550912857056}],"sentiment":"neutral","sentiment_score":0.017311458248231146,"num_words":45,"start":27.735,"end":50.135},{"sentences":[{"text":"Have my yeah.","start":50.135,"end":57.915,"sentiment":"neutral","sentiment_score":0.07125059515237808},{"text":"Yeah.","start":58.535,"end":59.035,"sentiment":"neutral","sentiment_score":0.013461609371006489},{"text":"Yeah.","start":59.655,"end":59.894997,"sentiment":"neutral","sentiment_score":0.06784303486347198},{"text":"Just go for 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3966.","start":85.655,"end":90.34,"sentiment":"neutral","sentiment_score":0.019102246267721057},{"text":"Yeah.","start":97.36,"end":97.76,"sentiment":"neutral","sentiment_score":0.058845289051532745}],"sentiment":"neutral","sentiment_score":0.038477297173812985,"num_words":16,"start":60.855,"end":97.76},{"sentences":[{"text":"Yeah.","start":97.76,"end":98.24,"sentiment":"neutral","sentiment_score":0.04267764836549759},{"text":"We're just away in Queensland.","start":98.24,"end":99.62,"sentiment":"neutral","sentiment_score":0.03850631006062031},{"text":"That's right.","start":106.335,"end":106.975,"sentiment":"positive","sentiment_score":0.39557763934135437},{"text":"Yeah.","start":106.975,"end":107.475,"sentiment":"neutral","sentiment_score":0.21414974331855777},{"text":"Yeah.","start":331.05002,"end":331.29,"sentiment":"neutral","sentiment_score":0.017146505415439606}],"sentiment":"neutral","sentiment_score":0.1257660726085305,"num_words":10,"start":97.76,"end":331.29},{"sentences":[{"text":"That'd be good.","start":331.29,"end":332.11002,"sentiment":"positive","sentiment_score":0.7212133606274923},{"text":"K.","start":366.225,"end":366.725,"sentiment":"neutral","sentiment_score":0.2761860489845276},{"text":"Yeah.","start":564.005,"end":564.485,"sentiment":"neutral","sentiment_score":0.07621145248413086},{"text":"Can I just ask, is there, like so say if we if there's something related to, like, a pregnancy or something, like, say something good?","start":564.485,"end":578.27,"sentiment":"neutral","sentiment_score":-0.01058389626443386},{"text":"Is that at all could not all at all be in conversation, or is that just, you know, say it's something say if you have a really difficult birth, or is that not related at all?","start":578.27,"end":591.765,"sentiment":"neutral","sentiment_score":-0.1707476739668184}],"sentiment":"neutral","sentiment_score":-0.05902236494038141,"num_words":66,"start":331.29,"end":591.765},{"sentences":[{"text":"That's okay.","start":659.97,"end":667.11,"sentiment":"neutral","sentiment_score":-0.14208629727363586},{"text":"I know that's it.","start":669.17,"end":670.23,"sentiment":"neutral","sentiment_score":-0.16114214807748795},{"text":"Let me check.","start":670.44995,"end":671.25,"sentiment":"neutral","sentiment_score":-0.03640593277911345},{"text":"My friend just had a really It's not open.","start":671.25,"end":679.715,"sentiment":"neutral","sentiment_score":-0.09253657464351919},{"text":"Alright.","start":679.715,"end":680.03503,"sentiment":"neutral","sentiment_score":0.044831156730651855}],"sentiment":"neutral","sentiment_score":-0.09610300001345183,"num_words":19,"start":659.97,"end":680.03503},{"sentences":[{"text":"Thank you.","start":680.03503,"end":680.775,"sentiment":"neutral","sentiment_score":0.11511939764022827},{"text":"Yeah.","start":699.92,"end":700.42,"sentiment":"positive","sentiment_score":0.5146713852882385},{"text":"That's good.","start":700.64,"end":701.355,"sentiment":"positive","sentiment_score":0.7428101301193237},{"text":"Yes.","start":865.85004,"end":866.35004,"sentiment":"neutral","sentiment_score":0.20543228089809415},{"text":"Yeah.","start":866.41003,"end":866.91003,"sentiment":"neutral","sentiment_score":0.2518553137779236}],"sentiment":"positive","sentiment_score":0.3839740050690515,"num_words":7,"start":680.03503,"end":866.91003},{"sentences":[{"text":"No.","start":882.58,"end":882.82,"sentiment":"neutral","sentiment_score":-0.12392598390579224},{"text":"I don't think so.","start":882.82,"end":884.12,"sentiment":"neutral","sentiment_score":-0.15579057671129704},{"text":"I guess I'm just the comparison.","start":884.18,"end":886.92,"sentiment":"neutral","sentiment_score":-0.03293264036377271},{"text":"So is this investment returns like the recommended switch where where we've got Choice and Super actual and Core switching.","start":886.98,"end":896.04,"sentiment":"neutral","sentiment_score":0.09490390289574861},{"text":"These are all the differences between the fees and the adviser fees, net contribution.","start":897.025,"end":901.685,"sentiment":"neutral","sentiment_score":0.052955828074898036}],"sentiment":"neutral","sentiment_score":0.03766167817844285,"num_words":45,"start":882.58,"end":901.685},{"sentences":[{"text":"Okay.","start":1099.15,"end":1099.65,"sentiment":"neutral","sentiment_score":0.1376897394657135},{"text":"Perfect.","start":1103.6151,"end":1104.1151,"sentiment":"positive","sentiment_score":0.5025043487548828},{"text":"In this so it still remains.","start":1104.7351,"end":1108.175,"sentiment":"neutral","sentiment_score":0.20689915617307028},{"text":"I'm just looking at page what page is this?","start":1108.175,"end":1110.415,"sentiment":"neutral","sentiment_score":0.01827684986508555},{"text":"35 of confidential statement of advice.","start":1110.415,"end":1114.515,"sentiment":"neutral","sentiment_score":0.0059549456151823206}],"sentiment":"neutral","sentiment_score":0.09051349337982095,"num_words":23,"start":1099.15,"end":1114.515},{"sentences":[{"text":"It kind of, like, a 105,000 because there's a dot after that is not a comma.","start":1114.9751,"end":1123.68,"sentiment":"neutral","sentiment_score":-0.008966333698481321},{"text":"It it is a million, isn't it?","start":1124.3,"end":1126.3,"sentiment":"neutral","sentiment_score":0.004480168489473206},{"text":"My life insurance and my TPD.","start":1126.3,"end":1128.48,"sentiment":"neutral","sentiment_score":0.0028831477587421737},{"text":"No.","start":1152.37,"end":1152.61,"sentiment":"neutral","sentiment_score":-0.14214684069156647},{"text":"No.","start":1152.61,"end":1152.85,"sentiment":"neutral","sentiment_score":-0.13565802574157715}],"sentiment":"neutral","sentiment_score":-0.012019552891292879,"num_words":31,"start":1114.9751,"end":1152.85},{"sentences":[{"text":"No.","start":1152.85,"end":1153.01,"sentiment":"neutral","sentiment_score":-0.10013774782419203},{"text":"Okay.","start":1153.01,"end":1153.51,"sentiment":"neutral","sentiment_score":-0.04356097802519798},{"text":"I just thought as long as it's not wrong.","start":1153.57,"end":1156.07,"sentiment":"neutral","sentiment_score":-0.0017310961460073797},{"text":"Okay.","start":1156.625,"end":1157.125,"sentiment":"neutral","sentiment_score":0.04470597207546234},{"text":"Right.","start":1167.905,"end":1168.405,"sentiment":"neutral","sentiment_score":0.07498142123222351}],"sentiment":"neutral","sentiment_score":-0.003045476758136199,"num_words":13,"start":1152.85,"end":1168.405},{"sentences":[{"text":"Yeah.","start":1169.025,"end":1169.265,"sentiment":"neutral","sentiment_score":0.07944657653570175},{"text":"Yeah.","start":1169.265,"end":1169.46,"sentiment":"neutral","sentiment_score":0.047972068190574646},{"text":"No.","start":1186.135,"end":1186.375,"sentiment":"neutral","sentiment_score":0.058790821582078934},{"text":"I don't mind.","start":1186.375,"end":1186.855,"sentiment":"neutral","sentiment_score":-0.004494314392407736},{"text":"As long as it because it is what it is.","start":1186.855,"end":1189.515,"sentiment":"neutral","sentiment_score":0.11206570789217948}],"sentiment":"neutral","sentiment_score":0.08083647512830794,"num_words":16,"start":1169.025,"end":1189.515},{"sentences":[{"text":"Yeah.","start":1189.575,"end":1190.075,"sentiment":"neutral","sentiment_score":0.1780005842447281},{"text":"No.","start":1205.87,"end":1205.95,"sentiment":"neutral","sentiment_score":-0.10872501134872437},{"text":"I don't think so.","start":1205.95,"end":1207.25,"sentiment":"neutral","sentiment_score":-0.16553036123514175},{"text":"My currently has an insurance a superannuation he's looking at.","start":1208.35,"end":1215.315,"sentiment":"neutral","sentiment_score":-0.06619855985045434},{"text":"Any options if we were to join or together?","start":1216.655,"end":1220.915,"sentiment":"neutral","sentiment_score":0.015192650051580535}],"sentiment":"neutral","sentiment_score":-0.04472390480339527,"num_words":25,"start":1189.575,"end":1220.915},{"sentences":[{"text":"Like, obviously, he has his own super balance, but is there any, like I don't know.","start":1221.215,"end":1229.03,"sentiment":"neutral","sentiment_score":-0.01898650999646634},{"text":"Like, combine you know, like, combined support options or husband and wife?","start":1229.03,"end":1234.15,"sentiment":"neutral","sentiment_score":-0.011191530463596186},{"text":"Or Yeah.","start":1234.15,"end":1252.825,"sentiment":"neutral","sentiment_score":0.03721555881202221},{"text":"Okay.","start":1326.8601,"end":1327.18,"sentiment":"neutral","sentiment_score":0.253429651260376},{"text":"That's of course.","start":1327.18,"end":1329.0851,"sentiment":"neutral","sentiment_score":0.24832580983638763}],"sentiment":"neutral","sentiment_score":0.018669284496675518,"num_words":34,"start":1221.215,"end":1329.0851},{"sentences":[{"text":"Sounds good.","start":1380.56,"end":1381.28,"sentiment":"positive","sentiment_score":0.6680807769298553},{"text":"Alright.","start":1381.28,"end":1381.76,"sentiment":"positive","sentiment_score":0.42095208168029785},{"text":"Thank you.","start":1381.76,"end":1382.5,"sentiment":"positive","sentiment_score":0.5058285892009735},{"text":"Yeah.","start":1386.485,"end":1386.985,"sentiment":"neutral","sentiment_score":0.0809490904211998},{"text":"Yeah.","start":1388.645,"end":1389.145,"sentiment":"neutral","sentiment_score":0.19260406494140625}],"sentiment":"positive","sentiment_score":0.4346177099006517,"num_words":7,"start":1380.56,"end":1389.145},{"sentences":[{"text":"It's like a Super Balance.","start":1389.285,"end":1390.725,"sentiment":"neutral","sentiment_score":0.18701858520507814},{"text":"So he's been on work cover the last, I don't know, three years.","start":1390.725,"end":1395.0651,"sentiment":"neutral","sentiment_score":0.05379603559581133},{"text":"And he's only just started they've only just started paying his super balance, and it was previously paid out with his TPD claim.","start":1395.525,"end":1403.39,"sentiment":"neutral","sentiment_score":-0.03595578589517137},{"text":"So I'm not really sure if he'll even have enough, but it was more is there, like, a certain balance that that you wouldn't bother kind of helping until it reaches a certain amount, like, whether it would be worth it or not?","start":1405.05,"end":1417.225,"sentiment":"neutral","sentiment_score":-0.10069272346621336},{"text":"No.","start":1438.36,"end":1438.84,"sentiment":"neutral","sentiment_score":-0.11202444136142732}],"sentiment":"neutral","sentiment_score":-0.0427570969085483,"num_words":85,"start":1389.285,"end":1438.84},{"sentences":[{"text":"He's still well, he was previously on income protection and then WorkCover took over.","start":1438.84,"end":1443.1749,"sentiment":"neutral","sentiment_score":-0.03462765538798911},{"text":"So, yeah, he is looking for work, but he has started working yet.","start":1445.395,"end":1451.55,"sentiment":"neutral","sentiment_score":0.0023895204067230225},{"text":"But there was a there was something about the laws in WorkCover, and they started paying his super balance from a certain date.","start":1451.79,"end":1458.37,"sentiment":"neutral","sentiment_score":-0.07327841586716798},{"text":"So he picked a superannuation fund, so he just picked one and just went with that.","start":1458.67,"end":1465.0901,"sentiment":"neutral","sentiment_score":0.05962373875081539},{"text":"But he doesn't have like, I asked him yesterday, he doesn't have, like, TPD and he doesn't have income protection.","start":1465.63,"end":1472.355,"sentiment":"neutral","sentiment_score":-0.26334426533430816}],"sentiment":"neutral","sentiment_score":-0.0750236332763073,"num_words":86,"start":1438.84,"end":1472.355},{"sentences":[{"text":"He doesn't have any of it.","start":1472.355,"end":1473.735,"sentiment":"negative","sentiment_score":-0.37166914840539295},{"text":"So I asked him to, like, look into that and sign up and sort it all out, but I just wanted him to so he's gonna work out the fees and all that related to that.","start":1474.115,"end":1485.05,"sentiment":"neutral","sentiment_score":-0.019807340163323615},{"text":"Then I thought that he should probably chat to somebody else and see if there's another option for him or tailored a little more towards his needs because he's back again with his super balance.","start":1485.35,"end":1497.315,"sentiment":"neutral","sentiment_score":0.04564403848988669},{"text":"Oh, that'd be really cool.","start":1615.895,"end":1617.255,"sentiment":"positive","sentiment_score":0.42558798789978025},{"text":"Okay.","start":1617.255,"end":1617.655,"sentiment":"positive","sentiment_score":0.35100236535072327}],"sentiment":"neutral","sentiment_score":0.013655476092574108,"num_words":83,"start":1472.355,"end":1617.655},{"sentences":[{"text":"Thank you.","start":1617.655,"end":1618.395,"sentiment":"positive","sentiment_score":0.449743315577507},{"text":"Yeah.","start":1621.8151,"end":1622.135,"sentiment":"neutral","sentiment_score":0.2478397935628891},{"text":"Okay.","start":1622.135,"end":1622.535,"sentiment":"neutral","sentiment_score":0.27072346210479736},{"text":"Perfect.","start":1622.535,"end":1623.035,"sentiment":"positive","sentiment_score":0.37418657541275024},{"text":"Well yeah.","start":1623.52,"end":1624.08,"sentiment":"neutral","sentiment_score":0.12304877862334251}],"sentiment":"neutral","sentiment_score":0.29119057421173367,"num_words":7,"start":1617.655,"end":1624.08},{"sentences":[{"text":"So have I already signed that?","start":1624.08,"end":1625.68,"sentiment":"neutral","sentiment_score":0.033986110240221024},{"text":"I can't remember.","start":1625.68,"end":1626.5,"sentiment":"neutral","sentiment_score":-0.02996598742902279},{"text":"Mhmm.","start":1714.0599,"end":1714.5599,"sentiment":"neutral","sentiment_score":0.1592227965593338},{"text":"Sounds good.","start":1714.7,"end":1715.68,"sentiment":"positive","sentiment_score":0.523924708366394},{"text":"Okay.","start":1717.58,"end":1718.08,"sentiment":"neutral","sentiment_score":0.2751709818840027}],"sentiment":"neutral","sentiment_score":0.12278937648695248,"num_words":13,"start":1624.08,"end":1718.08},{"sentences":[{"text":"Okay.","start":1752.85,"end":1753.35,"sentiment":"neutral","sentiment_score":0.049587272107601166},{"text":"And in these bottom pages, it's talking about projection quote our protection quote projection.","start":1753.49,"end":1761.695,"sentiment":"neutral","sentiment_score":0.026066438561039313},{"text":"Is that just an estimated what's a n d premium?","start":1762.235,"end":1768.6699,"sentiment":"neutral","sentiment_score":0.02389077693223953},{"text":"Yes.","start":1807.8151,"end":1808.3151,"sentiment":"neutral","sentiment_score":0.11884776502847672},{"text":"Yes.","start":1884.47,"end":1884.97,"sentiment":"neutral","sentiment_score":0.1309857964515686}],"sentiment":"neutral","sentiment_score":0.03345402750979971,"num_words":27,"start":1752.85,"end":1884.97},{"sentences":[{"text":"That makes sense.","start":1885.03,"end":1886.01,"sentiment":"neutral","sentiment_score":0.15880223115285239},{"text":"Amazing.","start":1889.195,"end":1889.695,"sentiment":"positive","sentiment_score":0.5285249948501587},{"text":"Well yes.","start":1889.755,"end":1890.395,"sentiment":"neutral","sentiment_score":0.28436169028282166},{"text":"Okay.","start":1890.395,"end":1890.895,"sentiment":"neutral","sentiment_score":0.24306106567382812},{"text":"This is a good time.","start":1891.035,"end":1892.095,"sentiment":"neutral","sentiment_score":0.3221053183078766}],"sentiment":"neutral","sentiment_score":0.2856035605072975,"num_words":12,"start":1885.03,"end":1892.095},{"sentences":[{"text":"Is it is it okay?","start":1892.635,"end":1902.175,"sentiment":"neutral","sentiment_score":0.14445108473300933},{"text":"Oh, that's it.","start":1902.395,"end":1905.03,"sentiment":"neutral","sentiment_score":0.10895690818627675},{"text":"All good.","start":1905.81,"end":1906.29,"sentiment":"positive","sentiment_score":0.5340588390827179},{"text":"Perfect.","start":1906.29,"end":1906.79,"sentiment":"positive","sentiment_score":0.517691433429718},{"text":"So is it just this one that you need signed?","start":1907.17,"end":1910.7101,"sentiment":"neutral","sentiment_score":0.09670894555747508}],"sentiment":"neutral","sentiment_score":0.17152498644732295,"num_words":21,"start":1892.635,"end":1910.7101},{"sentences":[{"text":"Oh, that's great.","start":1926.6549,"end":1927.74,"sentiment":"positive","sentiment_score":0.646332840124766},{"text":"Alright.","start":1927.98,"end":1928.22,"sentiment":"positive","sentiment_score":0.46134456992149353},{"text":"Thank you.","start":1928.22,"end":1928.96,"sentiment":"positive","sentiment_score":0.6742346286773682},{"text":"And thanks so much for your help.","start":1930.14,"end":1931.58,"sentiment":"positive","sentiment_score":0.7901363117354256},{"text":"We appreciate it.","start":1931.58,"end":1932.8,"sentiment":"positive","sentiment_score":0.5045612653096517}],"sentiment":"positive","sentiment_score":0.6745906453579664,"num_words":16,"start":1926.6549,"end":1932.8},{"sentences":[{"text":"Yeah.","start":1944.5851,"end":1944.665,"sentiment":"positive","sentiment_score":0.5360177755355835},{"text":"Yeah.","start":1944.665,"end":1944.905,"sentiment":"positive","sentiment_score":0.58974289894104},{"text":"That's good.","start":1944.905,"end":1945.305,"sentiment":"positive","sentiment_score":0.7490723729133606},{"text":"Thanks.","start":1945.305,"end":1945.805,"sentiment":"positive","sentiment_score":0.6920459270477295},{"text":"Thanks for that.","start":1956.745,"end":1957.305,"sentiment":"positive","sentiment_score":0.7210310300191244}],"sentiment":"positive","sentiment_score":0.6848805546760559,"num_words":8,"start":1944.5851,"end":1957.305},{"sentences":[{"text":"See you.","start":1957.305,"end":1958.125,"sentiment":"positive","sentiment_score":0.5974047780036926}],"sentiment":"positive","sentiment_score":0.5974047780036926,"num_words":2,"start":1957.305,"end":1958.125}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sarah speaking.\n\nChannel 0: Hi, Sarah. It's Dana from OQ Financial. How are you this morning?\n\nChannel 1: Good. How are you going?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in just to run through that statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Fantastic. I know I did send it through to you the other week to have a bit of a look through as well. Have you read the document or had a bit of a look through? I don't know. You've been probably quite busy as well.\n\nChannel 1: Yeah. Yeah. I did have a look. It was mainly the insurance, so I was just wanting to, you know, have a look at and\n\nChannel 0: Yep.\n\nChannel 1: that all yeah.\n\nChannel 0: Perfect. All good. Are you driving at the moment as well?\n\nChannel 1: I am sorry.\n\nChannel 0: Yep.\n\nChannel 1: My my mom just so I'm just coming back from\n\nChannel 0: No.\n\nChannel 1: her. But\n\nChannel 0: Oh,\n\nChannel 1: I'll\n\nChannel 0: wow.\n\nChannel 1: get back soon, so it'll be fine.\n\nChannel 0: That's\n\nChannel 1: Bye.\n\nChannel 0: that's\n\nChannel 1: Have my\n\nChannel 0: okay. That's okay. Did you want me to give you a callback shortly? Are you happy just for me to run through the advice with you just to kinda\n\nChannel 1: yeah.\n\nChannel 0: run through the things I need to\n\nChannel 1: Yeah.\n\nChannel 0: touch on? Yeah?\n\nChannel 1: Yeah. Just go for it. Yeah. No problem.\n\nChannel 0: Easy. Not a problem at all. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Yep.\n\nPerfect. And just to do security there with you as well, I am discussing your personal information. So I'll just get you to confirm your full name, address, and date of birth. Sorry.\n\nChannel 1: Sarah Bethany Valen. '20\n\nChannel 0: Yep.\n\nChannel 1: 1992. 20 Del\n\nChannel 0: Yep.\n\nChannel 1: Rio, Chris, San Antonio, Victoria 3966.\n\nChannel 0: Perfect. Thank you so much for that. And you just recently had a holiday. That would have been nice, a bit of downtime for you.\n\nChannel 1: Yeah. Yeah. We're just away in Queensland.\n\nChannel 0: Perfect. A bit of time away, a bit of downtime to rest in my Cooper. It's never a bad thing.\n\nChannel 1: That's right. Yeah.\n\nChannel 0: No. All good. So just to kinda touch on the things that I need to touch on with regards to the advice document there, the first part of the recommendations was to, obviously, retain Hub 24. Hub 24 is still a great platform there for you. Having a look at the options out there, moving to other platforms does mean that we submit more in the way of CGT or capital gains consequences.\n\nSo I am looking to retain Hub twenty four for the moment as the right platform there. But we did also talk about moving into the the estimate part of the separately managed account there. So we do have the exclusion on Benelon at the moment so that no more funds are invested in Benelon as per your instructions. But we do wanna sort of look at rechanging or altering the investment structure for you. So I am recommending as part of this advice document that we do move you into the SMA.\n\nAnd by doing that, we're actually moving you into a cheaper version of the Hub twenty four, which is called the Core. So hub twenty four has three different tiers to their platform. They have the cheapest tier, which has no admin fees and has a very few a very few investment options to choose from. They have the core, which has had a few more investment options in which we hold the SMA on. And then they have Choice, which is their more expensive version, has the higher admin fees.\n\nSo what we'll be doing is moving you basically into the core product, which is reducing your administration fees by about $8 on a yearly basis there and moving you into that estimated separately managed account. Now when I did go back and have a really good look in the advice document, and I'm truly transparent with this, is that you when we look at the last three year rolling average with regards to your current high growth portfolio versus the one we wanna move you into, There is a difference in the the last three rolling average returns. So we do know the SMA, over the last couple of years has performed a little bit less than the high growth product that you were in currently. However, we also know that I don't expect to get 16% on a yearly basis every year with the volatility that we are definitely seeing. So the benefits of moving into that SMA product are that the return that we are seeing is probably a little bit closer to what we can expect you to receive.\n\nIt is making the administration fees, the investment fees, and any other fees applicable to fund much cheaper, and we've also reduced your ongoing service fee as well to 1.1 for the twelve months. So, actually, by moving you into that product, you're getting a greater transparency. We're overall lowering the risk of of being in the market. You also have the Oakview investment committee as well as the BlackRock Committee having a look at everything and making changes on a regular basis. So moving to the SMA is still a better option for you, lowering the risk, lowering the fees, which means you have more money invested.\n\nIt's more of a passively managed portfolio as well, and it is removing that along completely. So there's no actively managed managers in there. It helps to reduce the risk of your profile there. And over the longer term, we can see greater returns as well depending on how the markets react over time. So one of the best things about the SMA is instead of us having to ring you and say, hey.\n\nWe feel like the market's changing. This might need to happen or Better Long has been down over the last few months. We need to remove it out. Our managers can take those investments. They can maneuver them as the markets so as the markets are changing, as investments need to change.\n\nAnd then it's still important for us to review your risk level every year, have a look at where things might be changing there for you, and also, you know, make sure that we are updating your portfolio as we need to. Because I wouldn't expect you to be in a high growth environment right up until the day you retire. It's important that we do review that on a regular basis there as well. Does that make sense?\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: Yep. Perfect. With moving into the SMA and the core product, there are capital gains consequences for doing so. We do estimate the CGP for the move to be about $1,673. However, when I weighed up the difference in the the fees, essentially, over the first year in the table, you'll see in the document there, we're saving you about $872 in fees.\n\nSo we can quite easily make that CDT back and get you moved into that product nice and easily, and then we'll keep reviewing it moving forward there for you. Okay?\n\nChannel 1: K.\n\nChannel 0: Perfect. One of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so. You were comfortable with about $50 on a fortnightly basis. So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight. Having more money put into super now does give you a greater advantage because you end up compounding over the longer term.\n\nEssentially, if you put $50 in now on a fortnightly basis and you're compounding that over the next twenty seven years towards your time, it has a greater effect on your super than if we start that ten years down the track there. So starting off small is never a bad idea as well. It kinda gets you comfortable to doing so. Admittedly, moving more money into super does mean your take home pay reduces slightly as well. So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term.\n\nEssentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate. And it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight. However, it can over the longer term if we look to increase that and make changes to your circumstances can have a greater effect down the track. And being taxed at 15% as opposed to your marginal tax rate means you've got more money invested compounding towards your retirement goals, which is more of an advantage there for you. Does that make sense?\n\nYeah. Perfect. The other part of the recommendations was the insurance side of things. So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there. So increasing that up to the 70% of your current income, which means we increase that to a monthly benefit of 6,183.\n\nWe keep the thirty day wait and five year benefit period, so no changes there. It does expect or mean that we do expect the the sorry, total premium to increase. The first year's premium, we expect to be a total of 1,479. That is a little bit higher from where you were at the moment. Just going back to have a quick look at your current premium.\n\nSorry. Current premium we had deducted was 1,238. So we're essentially increasing that a little bit more significantly and only really adding an sort of $200 onto the cost of the premium for the year. That's meaning that instead of having a monthly benefit of 4,797, which is a bit low for the income that you're on, you can claim up to that full 70% in the event that something was to happen there. The thirty day wait, I do like because you only have to be off work for thirty days, and that can have a greater benefit.\n\nThere are certain illnesses or injuries where you might only be off for thirty days, might be off for another, you know, thirty or sixty then go back to work. So it does actually mean that you can claim much sooner, putting less stress on your financial circumstances, but there's also instances where you can claim for extra illnesses or injuries that you might not be able to claim on if you had to wait that full sixty or ninety days there as well. Okay?\n\nChannel 1: Yeah. Can\n\nChannel 0: Yep.\n\nChannel 1: I just ask,\n\nChannel 0: Absolutely.\n\nChannel 1: is there, like so say if we if there's something related to, like, a pregnancy or something, like, say something good? Is that at all could not all at all be in conversation,\n\nChannel 0: Yes.\n\nChannel 1: or is that just, you know, say it's something say if you have a really difficult birth, or is that not related at all?\n\nChannel 0: So it really depends on what the circumstances is when it comes to pregnancy. They don't allow you to claim income protection just for to going on maternity leave and and being pregnant. However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy. But if you're just on maternity leave, they don't allow you to claim for that. So it's a hard question to answer.\n\nIt just comes down to what the illness or injury is that was a result of the pregnancy or the miscarriage or something to do with it. I have seen people be able to claim in the past where they've had a miscarriage, and then their body hasn't really they've had ongoing issues and illnesses and and pain and things like that, and they've had to take extra time off work, and that has been claimed again. But then I've also seen where people have tried to claim for, you know, having a a a bad labor, having to be off for longer than their maternity leave, and they've not backed the claim. So it all just comes down to what what the injury or illness is and and how\n\nChannel 1: That's\n\nChannel 0: it stems for them to be able to look at doing that for you, if that makes sense. It's a little bit hard to answer. Sorry. It's\n\nChannel 1: okay.\n\nChannel 0: a difficult one with pregnancy.\n\nChannel 1: I know that's it. Let me check. My friend just had a\n\nChannel 0: Yeah.\n\nChannel 1: really\n\nChannel 0: I'm so sorry. Yeah.\n\nChannel 1: It's not open. Alright. Thank you.\n\nChannel 0: Yeah. No. That's okay. It's it's a it's a bit of a difficult one, but, no, I'm so sorry your friends had a difficult bath. I know pregnancy doesn't work for everyone the same way.\n\nI've I had difficult ones, and I also had easy ones. So it's definitely not not any not anything that we can kinda predict with how our body's gonna react to pregnancy.\n\nChannel 1: Yeah. That's good.\n\nChannel 0: All good. Essentially, within so looking to increase that income protection component there for you, this advice document has been scoped solely around to the superannuation. The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment. But if you are wanting to certainly have a look at that, please do let me know. We can definitely have more of a conversation and look at what your needs are in relation to any additional cover over and above what we have recommended already.\n\nIt's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super. So as part of the review process, while we're moving into the SMA and trying to sort of make things a little bit more streamlined for you and get the best out of your super, it's important that we still do those reviews with you. We'll review your circumstances, what needs to change, whether the sales stack is working for you, how the investments have performed. Because if the estimate doesn't do what we need it to or doesn't work the same way, then we'll look at other options to kind of keep working towards your goals there. And, also, looking at the insurance premiums because they are stacked.\n\nAs you get older, the risk of you making a claim increases, and those insurance premiums do get more expensive over time. So it is really important that we review that review that with you on a regular basis. I do apologize. You'll note in the documents that we have reduced your ongoing service fee for this year up to 1.1% from the 1.65%. Our head of advisers approved that to be reduced for the twelve months.\n\nIt and your review time will review how things are working for you and whether we increase that back to the 1.65 or whether we're able to reduce keep it at that 1.1. And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make. It is important to note that it's legislated across the board. So we actually don't it's standardized. It's 66% of the first year's insurance premiums and 22%, they're ongoing.\n\nBecause it is standardized and legislated across the insurance industry, it means there's no conflict remuneration there. It means that we it doesn't have any effect in the recommendations. I recommended the increase solely with your current provider so that the increase is underwritten. So if there are any changes, the current policy doesn't have any effect. It doesn't change your current policy in any way.\n\nAnd by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there. So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important. Does that make sense?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. Perfect. Do you have any questions? I've kind of touched on the things that I had to. Do you have any questions around any part of the document, any of the recommendations, or anything at all?\n\nChannel 1: No. I don't think so. I\n\nChannel 0: No.\n\nChannel 1: guess I'm\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: okay.\n\nChannel 1: the comparison. So is this investment returns like the recommended switch where where we've got Choice and Super\n\nChannel 0: Mhmm.\n\nChannel 1: actual and Core switching.\n\nChannel 0: Yep. Yep.\n\nChannel 1: These are all the differences between the fees and the adviser fees, net contribution.\n\nChannel 0: That's correct. Yeah. So the first one there, the current is what you're in at the moment with your administration fees, investment fees, any other fees applicable to membership fees and an underlying costs, the ongoing service fee that you have been paying at the moment, your contributions going in next. That's after the percent tax, but and doesn't take into account the increase in sales back, and then your current insurance premiums there as well. And then with the high growth portfolio, but showing the three year rolling average there because we weren't able to get the five year rolling average.\n\nBut, I mean, when you have a look at that, I use projections as just a baseline to kind of look at this what's happening. That's why I'm honest and tell you that there is a difference in the three year rolling average between the current high growth portfolio to the OVF estimate blend. And, like, when I had a look, either the 2024 annual review, you actually returned 7%. Last year when we spoke, it was 7%, and the markets have taken a bit of a hit this year as well. So the portfolio report currently shows you've had an increase of about 4%.\n\nSo I always take these as the rolling averages with a grain of salt and note that we're working on your super. We're working on things. So the fact that we're reducing your fees, increasing contributions in, hopefully, you get a pay rise there at some point you're deserving of that, That can actually have a greater long term effect on your super than just this three year rolling average because I know this three year rolling average should always be taken with a grain of salt. You can safely say over the last couple of years, you've not received the 16.59% return every year, and I would not expect that to happen moving forward with the amount of volatility that we are seeing. So it's about looking at the other advantages.\n\nThe 13.97% for the SMA is probably a little bit more logical. I still, again, don't expect you to get that every single year. What we're working towards is a building super at a steady rate on a regular basis and doing what we can to make sure that that continues. With a high growth portfolio, we're actually looking to try and get between eight to ten eight to 10% on a yearly basis, and keep that growing over time, and that's gonna have much more of an effect there. So, it's just it's important that you sort of see that.\n\nI'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four. And there's no not a lot of selling that I have to change or move you out of Superfund at all. It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over. Whenever we are moving investments, any investments between the choice and the core product when we're moving between the current high growth through the SMA, Hub twenty four will always do it in the most tax effective way. So they'll have a look at what you've owned for longer, where you've got you've owned for more than twelve months, what they can have discounts on, where they can benefit from losses to offset any gains to kinda minimize the CDT consequences of the moving.\n\nAnd they in specie transfer everything over, so we don't have to sell everything to move it over. The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Perfect. In\n\nChannel 0: Easy.\n\nChannel 1: this so it still remains. I'm just looking at page what page is this? 35\n\nChannel 0: Mhmm.\n\nChannel 1: of confidential statement of advice. It\n\nChannel 0: Yep.\n\nChannel 1: kind of, like, a 105,000 because there's a dot after that is not a comma. It it is a million, isn't it? My life insurance and my TPD.\n\nChannel 0: It is. Yes. Sorry. That is a typo. Yeah.\n\nMy apologies about that one. If you go up to that is a typo on that back page because they're, obviously, they're missing a zero. If you go up to page number 10, this does show it correctly at the current amount. So it is missing an extra zero there. Sorry about that.\n\nChannel 1: No. No. No. Okay. I just thought as long as it's not wrong.\n\nOkay.\n\nChannel 0: No. No. That's that's absolutely fine. So at the moment, you do have a million and 50,000 there. That is correct.\n\nAnd on page 10, it notes it correctly. And then I've also got down here on page number\n\nChannel 1: Right. Yeah. Yeah.\n\nChannel 0: sorry. The recommendations there is page 23. Yeah. That's also got it noted correctly for you. So do apologize about that slight typo there.\n\nI'm happy to go back and have that rectified and resend the documents too if you'd like us\n\nChannel 1: No. I don't mind. As long as\n\nChannel 0: to.\n\nChannel 1: it\n\nChannel 0: That's okay.\n\nChannel 1: because it is\n\nChannel 0: Yeah.\n\nChannel 1: what it is. Yeah.\n\nChannel 0: Yeah. Yeah. No. That's absolutely fine. That's not a problem at all.\n\nDid you have any other questions about any of the advice or the recommendations or just anything in general?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. That's\n\nChannel 1: My\n\nChannel 0: like\n\nChannel 1: currently has an insurance a superannuation he's looking at.\n\nChannel 0: Yeah.\n\nChannel 1: Any options if we were to join or together? Like, obviously, he has his own super balance, but\n\nChannel 0: Yep.\n\nChannel 1: is there any, like I don't know. Like, combine you know, like, combined support options\n\nChannel 0: Yeah.\n\nChannel 1: or husband\n\nChannel 0: Yeah.\n\nChannel 1: and wife? Or\n\nChannel 0: Absolutely. So so this is your part your husband that you were talking about. I do apologize. The phone did sorta cut out a little bit. I'm so sorry.\n\nThat's okay. If he is looking at getting some advice and maybe looking at super funds, we can absolutely look to help him if he'd like us to. Essentially,\n\nChannel 1: Yeah.\n\nChannel 0: if he just wanted to, what we could do, we can't join the super together. That's more of a self money super fund sort of structure, but we can look at if you were both to be in hub twenty four, we can do what's called a fee aggregator or a family fee aggregation. We're essentially linking the accounts together. It does mean you can both see each other's superannuation, so we just need to make sure you are both comfortable with that. But with the family fee aggregation, the more your balance grows, the more of a fee saving and administration fees you do get access to as well.\n\nAnd we do have a coupling fee. So if you do decide to bring your husband on and he signs on as part of a as being a client, he does also get me as the adviser. But it also means that we keep your ongoing service fee down at 1.1, and he benefits from that as well. And if you refer him on and he does sign on, you do also get a $100 gift card for the referrals. So if that's something you guys would like to to look at, I'm more than happy to do so.\n\nI'd essentially go through the process of looking at the research with him, looking at what his goals are, tailoring advice to his needs and what he's after, and then we if he decides he's happy with the advice coming on as a client, and then we can kinda link everything together for you. Yeah.\n\nChannel 1: Okay. That's\n\nChannel 0: Yeah.\n\nChannel 1: of course.\n\nChannel 0: Yeah. Feel free to have a chat to him about it. If he wants to just have a general chat with me first, I can absolutely organize that to look about what we do, how things work, how advice works, and then we can always, you know, do do the research with him. I am very honest and open. So if there's a point we're not able to help him or if it's not viable or it's not in his best interest, I will be really honest and let him know that.\n\nSo that's one thing I do pride myself on is the honesty and making sure that if it's not in his best interest, if he's better to stay where he is, that we'll recommend that for him. But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to help.\n\nChannel 1: Sounds good. Alright. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: That's okay. Did you wanna have it in touch to him first and let us know what you sort of wanted\n\nChannel 1: Yeah.\n\nChannel 0: to do, Sarah, if he's interested? Yeah. Perfect.\n\nChannel 1: Yeah. It's like a Super Balance. So he's been on work cover the last, I don't know, three years. And\n\nChannel 0: Mhmm.\n\nChannel 1: he's only just started they've only just started paying his super balance, and it was previously paid out with his TPD claim.\n\nChannel 0: Okay.\n\nChannel 1: So I'm not really sure if he'll even have enough, but it was more is there, like, a certain balance that that you wouldn't bother kind of helping until it reaches a certain amount, like, whether it would be worth it or not?\n\nChannel 0: It really depends. Most of the platforms do prefer at least, say, 20 to $30,000 balance. Hub twenty four prefer a $50,000 balance to begin with, but it also depends on the other circumstances. So you mentioned he was on work cover for the last three years. Is he back, like, starting to work again?\n\nIs he earning an income?\n\nChannel 1: No. He's still well, he was previously on income protection and\n\nChannel 0: Yep.\n\nChannel 1: then WorkCover took over. So, yeah, he is looking for work, but\n\nChannel 0: Okay.\n\nChannel 1: he has started working yet. But there was a there was something about the laws in WorkCover, and they started paying his super balance from a certain date. So\n\nChannel 0: Yep.\n\nChannel 1: he picked a superannuation fund, so he just picked\n\nChannel 0: Mhmm.\n\nChannel 1: one and just went\n\nChannel 0: Okay.\n\nChannel 1: with that. But\n\nChannel 0: Right.\n\nChannel 1: he doesn't have like, I asked him yesterday, he doesn't have, like, TPD and he doesn't have income protection. He doesn't have any of it. So\n\nChannel 0: Yeah.\n\nChannel 1: I asked him to, like, look into that and sign up and sort it all out, but I just wanted him to so he's gonna work out the fees and all that related to\n\nChannel 0: Mhmm.\n\nChannel 1: that. Then I thought that he should probably chat to somebody else and see if there's another option for him or tailored a little\n\nChannel 0: Yeah.\n\nChannel 1: more towards his needs because\n\nChannel 0: Yeah.\n\nChannel 1: he's back again with his super balance.\n\nChannel 0: Yeah. No. That's understandable. I mean, the other option is if if we can't help you, if it's preferable, I can even just do up strategy paper, which is obviously fully complimentary. And that kinda gives him an idea of what industry fund can work for him, what the fees look like, how it sort of looks in a strategy paper is whilst it's not personal advice.\n\nIt's more just sort of this is what your goal is. Obviously, our services might not be right for you. However, this is what we're suggesting you probably do in this circumstance to help you along. So I can absolutely do that as well. With the the fact that he's not working, we would wanna make sure to get value out of our services.\n\nMaking contributions is definitely an important aspect there. So whilst he's not working, I would have to look at whether paying out ongoing service fee is gonna be of a of a benefit to him or whether staying in an industry fund for a shorter period of time might be a bigger benefit. But I look at all those options for you as well. You mentioned that he has been on a TPD claim in the past. So if he has claimed TPD in the past, getting disability cover moving forward is gonna be very difficult.\n\nGenerally, once you've had a claim in the past, they don't wanna re reinsure you with disability for income protection or TBD. But that is still something I can absolutely look at. I would just wanna get some more information around what the claim was, the injury, the illness, and and I can go out to all the insurers and have a really good look at what the options might be available to him. Often, he probably still can get a bit of life depending on what you're after and maybe some trauma if he's happy paying for insurance out of pocket. But it just comes down to what the injury or the illness was that caused him to claim on disability in the past.\n\nSo but all of those are these things I can absolutely do, and I'm happy to do the research for him. It's not a problem at all. So feel free to have a chat to him, talk about what we do. And if he wants to just talk to me before going through the process, I can absolutely help with that as well. Okay.\n\nChannel 1: Oh, that'd be really cool. Okay. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: That's okay. That's not a problem at all.\n\nChannel 1: Yeah. Okay. Perfect. Well yeah.\n\nChannel 0: Are you\n\nChannel 1: So\n\nChannel 0: saying\n\nChannel 1: have I already signed that? I can't remember.\n\nChannel 0: No. No. That's okay. We were having this conversation first, and then you were gonna go back and have a bit of a look at it again. If you're comfortable moving forward, I'll get you to sign that one.\n\nIt does have your annual review documents attached as well. I wanted to sort of send everything out to you together. So it's got the quote to show the increase of the income protection, the ongoing service agreement for the next twelve months there as well with the reduction in the fees. And I've added a whole bunch of documents, the financial services guide into the email as well that you're welcome to review. It has my lovely photo and all the information about me, and you can even show that to your partner.\n\nKinda let him see all the information about the financial services guide, who we are, what we do, how we do it to give him a bit of an idea of, you know, who advisers are. But feel free to run your eyes over those documents. If you have any questions, let me know. The one document that is a bit different to all the others is the tax file opt in form. So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it.\n\nIt is safe and secure. We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold that. And we also do a lost super search on a regular basis as well. So we have that document attached for you to sign. We'll go back to the ATO to see if there's any money out in the ether anywhere and see what we can find, if we can find anything else to help you along as well.\n\nOkay?\n\nChannel 1: Mhmm. Sounds good.\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: Okay.\n\nChannel 0: So you'll find there's a few documents attached. Feel free to run your eyes through any of those. If you have any questions, let me know. If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me. If there are any changes on the last page of the advice document, we do have a text box where you can write if you there's anything you don't wish to undertake or any part of the advice you don't wish to proceed with, which is completely fine.\n\nAnd if you're happy if it asks you to sign that text box regardless, just put NA if there's no changes if you're happy to take on all of the advice, if that helps.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: And in these bottom pages, it's talking about projection quote our protection quote projection. Is that\n\nChannel 0: Yep.\n\nChannel 1: just an estimated what's a n d premium?\n\nChannel 0: So yeah. So that's essentially the the projection of how Neo see the the annualized and the cumulative premiums projected over time. So this is why it's really important that we review things with you. So it's basically looking at year one is, like, from now, the expected annualized premium. You'll see the first premium, $17.39 94.\n\nThat's how much the insurance company receives. You'll only pay what's in that table at the above there, which is about $1,400. So you get a bit of a discount, a 58 percent discount for paying for your insurances out of super. It's because of the taxation inside super. They give you a rebate.\n\nChannel 1: Yes.\n\nChannel 0: But this is sort of showing you that over the course of the next sort of ten odd years, how they expect the insurance premiums to increase over time, and they do get more and more expensive as you get older. So that's why we wanna keep looking at what your level of cover is. If you're if you're if you need less cover, we wanna start reducing that. Realistically, the idea is you start with a higher level of cover. Now you have a higher mortgage and a lower super balance.\n\nBut as your super balance increases significantly, as you reduce your debt level, we should be able to start reducing your cover down so you pay less and less and less. If we can't reduce your cover down as your insurances do accumulate and the risk of you making a claim increases, your insurance premiums actually increase in the cost of how much they're gonna cost you over time. So, generally, by the time we get into our fifties, they're actually very expensive premiums. So this isn't too bad. This sort of shows that in the next ten years, it probably goes up by about $2, which isn't too bad.\n\nAnd we wanna make sure your super is still working by that, but we don't wanna we don't wanna eat away all of your super with your insurance premium. So it's about making sure you've got the right level of cover so that your super is still working hard for you as well, and that's why the reviews are really important.\n\nChannel 1: Yes. That makes sense.\n\nChannel 0: Yeah. Yeah. Perfect.\n\nChannel 1: Amazing. Well yes.\n\nChannel 0: And\n\nChannel 1: Okay. This is a\n\nChannel 0: yeah.\n\nChannel 1: good time.\n\nChannel 0: And yep.\n\nChannel 1: Is it is\n\nChannel 0: Perfect.\n\nChannel 1: it\n\nChannel 0: I was you're right. Sorry. I was just gonna answer the question. So you also asked me what a and b stands for. It's age next birthday.\n\nI do apologize. I missed answering that question for\n\nChannel 1: okay?\n\nChannel 0: you.\n\nChannel 1: Oh, that's it. All good. Perfect. So is it just this one that you need\n\nChannel 0: Yep.\n\nChannel 1: signed?\n\nChannel 0: Yeah. So if you're happy to go ahead with that, just press the sign button. It'll take you through to all automatically help you.\n\nChannel 1: Oh, that's great. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Perfect.\n\nChannel 1: And thanks so much for your help. We appreciate\n\nChannel 0: Oh,\n\nChannel 1: it.\n\nChannel 0: not a problem at all, Sarah. I really enjoyed putting this together for you. I do apologize. It took a little bit longer to kinda get it all out, but I wanna make sure moving forward, things are working harder for you. And I'm glad you enjoyed your holiday.\n\nChannel 1: Yeah. Yeah. That's good. Thanks.\n\nChannel 0: Yeah. Not a problem at all. Let me know if there's any questions you have at any time. You've got my email. Always make time to touch base if you need me to as well.\n\nOkay?\n\nChannel 1: Thanks for that. See you.\n\nChannel 0: My pleasure. Thanks, Sarah. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03006504662334919},{"text":"Sarah speaking.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.023658473044633865}],"sentiment":"neutral","sentiment_score":0.025793997570872307,"channel":1,"num_words":3,"start":1.12,"end":2.5},{"sentences":[{"text":"Hi, Sarah.","start":2.96,"end":3.6,"sentiment":"neutral","sentiment_score":0.1403680071234703},{"text":"It's Dana from OQ Financial.","start":3.6,"end":5.2,"sentiment":"neutral","sentiment_score":0.1773734450340271},{"text":"How are you this morning?","start":5.2,"end":6.5,"sentiment":"neutral","sentiment_score":0.23214842677116393}],"sentiment":"neutral","sentiment_score":0.19402878110607466,"channel":0,"num_words":12,"start":2.96,"end":6.5},{"sentences":[{"text":"Good.","start":6.7999997,"end":7.2799997,"sentiment":"positive","sentiment_score":0.4923868775367737},{"text":"How are you 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you?","start":12.639999,"end":14.655,"sentiment":"neutral","sentiment_score":0.2948453426361084}],"sentiment":"positive","sentiment_score":0.3953767697016398,"channel":0,"num_words":30,"start":8.24,"end":14.655},{"sentences":[{"text":"Yeah.","start":14.88,"end":15.12,"sentiment":"neutral","sentiment_score":0.1429596245288849},{"text":"That's right.","start":15.12,"end":15.679999,"sentiment":"neutral","sentiment_score":0.1948491707444191},{"text":"Yeah.","start":15.679999,"end":15.975,"sentiment":"positive","sentiment_score":0.4068493843078614}],"sentiment":"neutral","sentiment_score":0.2348768375813961,"channel":1,"num_words":4,"start":14.88,"end":15.975},{"sentences":[{"text":"Fantastic.","start":16.574999,"end":17.074999,"sentiment":"positive","sentiment_score":0.6510646343231201},{"text":"I know I did send it through to you the other week to have a bit of a look through as well.","start":17.695,"end":20.575,"sentiment":"neutral","sentiment_score":0.27063599770719354},{"text":"Have you read the document or had a bit of a look through?","start":20.575,"end":23.134998,"sentiment":"neutral","sentiment_score":0.08855106509648837},{"text":"I don't know.","start":23.134998,"end":23.535,"sentiment":"neutral","sentiment_score":-0.07881307353576024},{"text":"You've been probably quite busy as well.","start":23.535,"end":25.555,"sentiment":"neutral","sentiment_score":-0.15170205384492874}],"sentiment":"neutral","sentiment_score":0.14038840940465097,"channel":0,"num_words":46,"start":16.574999,"end":25.555},{"sentences":[{"text":"Yeah.","start":26.215,"end":26.615,"sentiment":"neutral","sentiment_score":0.00785271730273962},{"text":"Yeah.","start":26.615,"end":26.855,"sentiment":"neutral","sentiment_score":0.02558090165257454},{"text":"I did have a look.","start":26.855,"end":27.735,"sentiment":"neutral","sentiment_score":0.04170354381203652},{"text":"It was mainly the insurance, so I was just wanting to, you know, have a look at 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back soon, so it'll be fine.","start":47.335,"end":49.754997,"sentiment":"neutral","sentiment_score":0.0598039339695658}],"sentiment":"neutral","sentiment_score":0.0598039339695658,"channel":1,"num_words":7,"start":47.335,"end":49.754997},{"sentences":[{"text":"That's","start":49.355,"end":49.855,"sentiment":"neutral","sentiment_score":0.09741460531949996}],"sentiment":"neutral","sentiment_score":0.09741460531949996,"channel":0,"num_words":1,"start":49.355,"end":49.855},{"sentences":[{"text":"Bye.","start":50.055,"end":50.135,"sentiment":"neutral","sentiment_score":0.08126550912857056}],"sentiment":"neutral","sentiment_score":0.08126550912857056,"channel":1,"num_words":1,"start":50.055,"end":50.135},{"sentences":[{"text":"that's","start":50.075,"end":50.575,"sentiment":"neutral","sentiment_score":0.049404487013816833}],"sentiment":"neutral","sentiment_score":0.049404487013816833,"channel":0,"num_words":1,"start":50.075,"end":50.575},{"sentences":[{"text":"Have 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kinda","start":54.475,"end":57.59,"sentiment":"neutral","sentiment_score":0.0852087854873389}],"sentiment":"neutral","sentiment_score":0.07167762556466563,"channel":0,"num_words":29,"start":50.635002,"end":57.59},{"sentences":[{"text":"yeah.","start":57.415,"end":57.915,"sentiment":"neutral","sentiment_score":0.09644372761249542}],"sentiment":"neutral","sentiment_score":0.09644372761249542,"channel":1,"num_words":1,"start":57.415,"end":57.915},{"sentences":[{"text":"run through the things I need to","start":57.59,"end":58.550003,"sentiment":"neutral","sentiment_score":0.05960744433104992}],"sentiment":"neutral","sentiment_score":0.05960744433104992,"channel":0,"num_words":7,"start":57.59,"end":58.550003},{"sentences":[{"text":"Yeah.","start":58.535,"end":59.035,"sentiment":"neutral","sentiment_score":0.013461609371006489}],"sentiment":"neutral","sentiment_score":0.013461609371006489,"channel":1,"num_words":1,"start":58.535,"end":59.035},{"sentences":[{"text":"touch on?","start":58.550003,"end":59.030003,"sentiment":"neutral","sentiment_score":0.019596068188548088},{"text":"Yeah?","start":59.030003,"end":59.530003,"sentiment":"neutral","sentiment_score":0.03215892240405083}],"sentiment":"neutral","sentiment_score":0.023783686260382336,"channel":0,"num_words":3,"start":58.550003,"end":59.530003},{"sentences":[{"text":"Yeah.","start":59.655,"end":59.894997,"sentiment":"neutral","sentiment_score":0.06784303486347198},{"text":"Just go for it.","start":59.894997,"end":60.614998,"sentiment":"neutral","sentiment_score":0.11467614956200123},{"text":"Yeah.","start":60.614998,"end":60.855,"sentiment":"neutral","sentiment_score":0.09575092047452928},{"text":"No problem.","start":60.855,"end":61.44,"sentiment":"neutral","sentiment_score":0.184583380818367}],"sentiment":"neutral","sentiment_score":0.12393316440284252,"channel":1,"num_words":8,"start":59.655,"end":61.44},{"sentences":[{"text":"Easy.","start":61.190002,"end":61.690002,"sentiment":"neutral","sentiment_score":0.19044440984725952},{"text":"Not a problem at all.","start":61.75,"end":62.63,"sentiment":"neutral","sentiment_score":0.1957198739051819},{"text":"And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":62.63,"end":67.590004,"sentiment":"neutral","sentiment_score":0.13290477314820656},{"text":"You're happy for me to proceed with that?","start":67.590004,"end":69.53,"sentiment":"neutral","sentiment_score":0.27642845921218395},{"text":"Yep.","start":70.685,"end":71.16499,"sentiment":"neutral","sentiment_score":0.12872835993766785}],"sentiment":"neutral","sentiment_score":0.16987131499662633,"channel":0,"num_words":41,"start":61.190002,"end":71.16499},{"sentences":[{"text":"Perfect.","start":71.16499,"end":71.66499,"sentiment":"neutral","sentiment_score":0.24419230222702024},{"text":"And just to do security there with you as well, I am discussing your personal information.","start":72.284996,"end":75.905,"sentiment":"neutral","sentiment_score":0.14031130028888583},{"text":"So I'll just get you to confirm your full name, address, and date of birth.","start":75.965,"end":79.80499,"sentiment":"neutral","sentiment_score":0.11012943834066391},{"text":"Sorry.","start":79.80499,"end":80.30499,"sentiment":"neutral","sentiment_score":0.012272028252482414}],"sentiment":"neutral","sentiment_score":0.1258602033397465,"channel":0,"num_words":33,"start":71.16499,"end":80.30499},{"sentences":[{"text":"Sarah Bethany 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recently had a holiday.","start":92.700005,"end":94.22,"sentiment":"neutral","sentiment_score":0.3039760355438505},{"text":"That would have been nice, a bit of downtime for you.","start":94.22,"end":96.96001,"sentiment":"positive","sentiment_score":0.3495321842757138}],"sentiment":"positive","sentiment_score":0.37827351987361907,"channel":0,"num_words":25,"start":90.62,"end":96.96001},{"sentences":[{"text":"Yeah.","start":97.36,"end":97.76,"sentiment":"neutral","sentiment_score":0.058845289051532745},{"text":"Yeah.","start":97.76,"end":98.24,"sentiment":"neutral","sentiment_score":0.04267764836549759},{"text":"We're just away in Queensland.","start":98.24,"end":99.62,"sentiment":"neutral","sentiment_score":0.03850631006062031}],"sentiment":"neutral","sentiment_score":0.04200778396001884,"channel":1,"num_words":7,"start":97.36,"end":99.62},{"sentences":[{"text":"Perfect.","start":101.535,"end":102.035,"sentiment":"neutral","sentiment_score":0.07160399109125137},{"text":"A bit of time away, a bit of downtime to rest in my Cooper.","start":102.255005,"end":104.815,"sentiment":"neutral","sentiment_score":-0.03517053569001811},{"text":"It's never a bad thing.","start":104.815,"end":106.115005,"sentiment":"positive","sentiment_score":0.41845226287841797}],"sentiment":"neutral","sentiment_score":0.08357389029115439,"channel":0,"num_words":20,"start":101.535,"end":106.115005},{"sentences":[{"text":"That's right.","start":106.335,"end":106.975,"sentiment":"positive","sentiment_score":0.39557763934135437},{"text":"Yeah.","start":106.975,"end":107.475,"sentiment":"neutral","sentiment_score":0.21414974331855777}],"sentiment":"positive","sentiment_score":0.3351016740004222,"channel":1,"num_words":3,"start":106.335,"end":107.475},{"sentences":[{"text":"No.","start":109.135,"end":109.635,"sentiment":"neutral","sentiment_score":0.20924092829227448},{"text":"All good.","start":109.695,"end":110.515,"sentiment":"positive","sentiment_score":0.4346397817134857},{"text":"So just to kinda touch on the things that I need to touch on with regards to the advice document there, the first part of the recommendations was to, obviously, retain Hub 24.","start":111.090004,"end":120.05,"sentiment":"neutral","sentiment_score":0.09387465318044026},{"text":"Hub 24 is still a great platform there for you.","start":120.05,"end":123.03,"sentiment":"positive","sentiment_score":0.6285818368196487},{"text":"Having a look at the options out there, moving to other platforms does mean that we submit more in the way of CGT or capital gains consequences.","start":123.604996,"end":130.185,"sentiment":"neutral","sentiment_score":0.07314546392471702}],"sentiment":"neutral","sentiment_score":0.1703716430251729,"channel":0,"num_words":73,"start":109.135,"end":130.185},{"sentences":[{"text":"So I am looking to retain Hub twenty four for the moment as the right platform there.","start":130.405,"end":134.985,"sentiment":"neutral","sentiment_score":0.18905817059909596},{"text":"But we did also talk about moving into the the estimate part of the separately managed account there.","start":135.14,"end":139.78,"sentiment":"neutral","sentiment_score":0.008920854474935267},{"text":"So we do have the exclusion on Benelon at the moment so that no more funds are invested in Benelon as per your instructions.","start":139.78,"end":147.56,"sentiment":"neutral","sentiment_score":-0.1679616685335835},{"text":"But we do wanna sort of look at rechanging or altering the investment structure for you.","start":148.505,"end":152.90501,"sentiment":"neutral","sentiment_score":-0.0744163088966161},{"text":"So I am recommending as part of this advice document that we do move you into the SMA.","start":152.90501,"end":157.785,"sentiment":"neutral","sentiment_score":0.18762418420778382}],"sentiment":"neutral","sentiment_score":0.016452243110986167,"channel":0,"num_words":93,"start":130.405,"end":157.785},{"sentences":[{"text":"And by doing that, we're actually moving you into a cheaper version of the 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fees.","start":179.535,"end":184.035,"sentiment":"neutral","sentiment_score":0.061643681954592466}],"sentiment":"neutral","sentiment_score":0.16530660474365885,"channel":0,"num_words":91,"start":157.785,"end":184.035},{"sentences":[{"text":"So what we'll be doing is moving you basically into the core product, which is reducing your administration fees by about $8 on a yearly basis there and moving you into that estimated separately managed account.","start":184.33499,"end":196.05,"sentiment":"positive","sentiment_score":0.3481675051152706},{"text":"Now when I did go back and have a really good look in the advice document, and I'm truly transparent with this, is that you when we look at the last three year rolling average with regards to your current high growth portfolio versus the one we wanna move you into, There is a difference in the the last three rolling average returns.","start":196.19,"end":212.375,"sentiment":"neutral","sentiment_score":0.07612054387018793},{"text":"So we do know the SMA, over the last couple of years has performed a little bit less than the high growth product that you were in currently.","start":212.375,"end":219.35501,"sentiment":"neutral","sentiment_score":-0.11084855587354728},{"text":"However, we also know that I don't expect to get 16% on a yearly basis every year with the volatility that we are definitely seeing.","start":219.49501,"end":226.84999,"sentiment":"neutral","sentiment_score":-0.18871487587690353},{"text":"So the benefits of moving into that SMA product are that the return that we are seeing is probably a little bit closer to what we can expect you to receive.","start":226.84999,"end":235.59,"sentiment":"positive","sentiment_score":0.6667555284596258}],"sentiment":"neutral","sentiment_score":0.16490390365485286,"channel":0,"num_words":183,"start":184.33499,"end":235.59},{"sentences":[{"text":"It is making the administration fees, the investment fees, and any other fees applicable to fund much cheaper, and we've also reduced your ongoing service fee as well to 1.1 for the twelve months.","start":236.125,"end":247.485,"sentiment":"positive","sentiment_score":0.6206423272104824},{"text":"So, actually, by moving you into that product, you're getting a greater transparency.","start":247.485,"end":253.06,"sentiment":"positive","sentiment_score":0.6263254537032201},{"text":"We're overall lowering the risk of of being in the market.","start":253.36,"end":257.6,"sentiment":"positive","sentiment_score":0.6277169260111722},{"text":"You also have the Oakview investment committee as well as the BlackRock Committee having a look at everything and making changes on a regular basis.","start":257.6,"end":265.945,"sentiment":"neutral","sentiment_score":0.30369857370853426},{"text":"So moving to the SMA is still a better option for you, lowering the risk, lowering the fees, which means you have more money invested.","start":266.005,"end":272.905,"sentiment":"positive","sentiment_score":0.44944399476051333}],"sentiment":"positive","sentiment_score":0.5090511150106236,"channel":0,"num_words":108,"start":236.125,"end":272.905},{"sentences":[{"text":"It's more of a passively managed portfolio as well, and it is removing that along completely.","start":273.28,"end":277.6,"sentiment":"neutral","sentiment_score":0.27845714893192053},{"text":"So there's no actively managed managers in there.","start":277.6,"end":280.9,"sentiment":"neutral","sentiment_score":0.1708802431821823},{"text":"It helps to reduce the risk of your profile there.","start":281.12,"end":284.18,"sentiment":"neutral","sentiment_score":0.28808229267597196},{"text":"And over the longer term, we can see greater returns as well depending on how the markets react over time.","start":284.47998,"end":290.63498,"sentiment":"positive","sentiment_score":0.38199223279953004},{"text":"So one of the best things about the SMA is instead of us having to ring you and say, hey.","start":291.25497,"end":295.175,"sentiment":"neutral","sentiment_score":0.2152013236656785}],"sentiment":"neutral","sentiment_score":0.27901419438421726,"channel":0,"num_words":74,"start":273.28,"end":295.175},{"sentences":[{"text":"We feel like the market's changing.","start":295.175,"end":296.79498,"sentiment":"neutral","sentiment_score":0.05707435682415962},{"text":"This might need to happen or Better Long has been down over the last few months.","start":296.85498,"end":300.29498,"sentiment":"neutral","sentiment_score":-0.02800847706384957},{"text":"We need to remove it out.","start":300.29498,"end":301.71,"sentiment":"neutral","sentiment_score":-0.06564507943888505},{"text":"Our managers can take those investments.","start":302.50998,"end":304.59,"sentiment":"neutral","sentiment_score":0.006992070625225703},{"text":"They can maneuver them as the markets so as the markets are changing, as investments need to change.","start":304.59,"end":309.87,"sentiment":"neutral","sentiment_score":0.08370233534110917}],"sentiment":"neutral","sentiment_score":0.020173740215026416,"channel":0,"num_words":52,"start":295.175,"end":309.87},{"sentences":[{"text":"And then it's still important for us to review your risk level every year, have a look at where things might be changing there for you, and also, you know, make sure that we are updating your portfolio as we need to.","start":309.87,"end":321.305,"sentiment":"neutral","sentiment_score":0.12194240217407544},{"text":"Because I wouldn't expect you to be in a high growth environment right up until the day you retire.","start":321.305,"end":325.725,"sentiment":"neutral","sentiment_score":0.009835569678168548},{"text":"It's important that we do review that on a regular basis there as well.","start":326.105,"end":329.54498,"sentiment":"neutral","sentiment_score":0.17394018652183668},{"text":"Does that make sense?","start":329.54498,"end":330.685,"sentiment":"neutral","sentiment_score":0.08846460655331612}],"sentiment":"neutral","sentiment_score":0.10249971838880188,"channel":0,"num_words":79,"start":309.87,"end":330.685},{"sentences":[{"text":"Yeah.","start":331.05002,"end":331.29,"sentiment":"neutral","sentiment_score":0.017146505415439606},{"text":"That'd be good.","start":331.29,"end":332.11002,"sentiment":"positive","sentiment_score":0.7212133606274923}],"sentiment":"positive","sentiment_score":0.5451966468244791,"channel":1,"num_words":4,"start":331.05002,"end":332.11002},{"sentences":[{"text":"Yep.","start":332.52,"end":332.91998,"sentiment":"positive","sentiment_score":0.448991060256958},{"text":"Perfect.","start":332.91998,"end":333.41998,"sentiment":"positive","sentiment_score":0.6720870733261108},{"text":"With moving into the SMA and the core product, there are capital gains consequences for doing so.","start":334.36,"end":339.0,"sentiment":"neutral","sentiment_score":0.32123074198470397},{"text":"We do estimate the CGP for the move to be about $1,673.","start":339.0,"end":344.775,"sentiment":"neutral","sentiment_score":0.21464315926035246},{"text":"However, when I weighed up the difference in the the fees, essentially, over the first year in the table, you'll see in the document there, we're saving you about $872 in fees.","start":345.255,"end":355.975,"sentiment":"positive","sentiment_score":0.34906488843262196}],"sentiment":"neutral","sentiment_score":0.3226634140998598,"channel":0,"num_words":63,"start":332.52,"end":355.975},{"sentences":[{"text":"So we can quite easily make that CDT back and get you moved into that product nice and easily, and then we'll keep reviewing it moving forward there for you.","start":355.975,"end":364.87,"sentiment":"positive","sentiment_score":0.6732568581899007},{"text":"Okay?","start":364.87,"end":365.37,"sentiment":"neutral","sentiment_score":0.18825972080230713}],"sentiment":"positive","sentiment_score":0.6576117892419139,"channel":0,"num_words":31,"start":355.975,"end":365.37},{"sentences":[{"text":"K.","start":366.225,"end":366.725,"sentiment":"neutral","sentiment_score":0.2761860489845276}],"sentiment":"neutral","sentiment_score":0.2761860489845276,"channel":1,"num_words":1,"start":366.225,"end":366.725},{"sentences":[{"text":"Perfect.","start":367.35,"end":367.85,"sentiment":"positive","sentiment_score":0.5736311674118042},{"text":"One of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so.","start":368.63,"end":376.975,"sentiment":"positive","sentiment_score":0.3643814061696713},{"text":"You were comfortable with about $50 on a fortnightly basis.","start":377.515,"end":380.71503,"sentiment":"positive","sentiment_score":0.3353454440832138},{"text":"So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight.","start":380.71503,"end":386.255,"sentiment":"neutral","sentiment_score":0.315509138835801},{"text":"Having more money put into super now does give you a greater advantage because you end up compounding over the longer term.","start":386.55502,"end":392.61002,"sentiment":"positive","sentiment_score":0.5296948213468898}],"sentiment":"positive","sentiment_score":0.3991357498354726,"channel":0,"num_words":77,"start":367.35,"end":392.61002},{"sentences":[{"text":"Essentially, if you put $50 in now on a fortnightly basis and you're compounding that over the next twenty seven years towards your time, it has a greater effect on your super than if we start that ten years down the track there.","start":392.83002,"end":403.995,"sentiment":"positive","sentiment_score":0.42452338545821433},{"text":"So starting off small is never a bad idea as well.","start":403.995,"end":407.275,"sentiment":"positive","sentiment_score":0.47627299753102387},{"text":"It kinda gets you comfortable to doing so.","start":407.275,"end":409.615,"sentiment":"positive","sentiment_score":0.5191099755465984},{"text":"Admittedly, moving more money into super does mean your take home pay reduces slightly as well.","start":409.835,"end":415.29498,"sentiment":"neutral","sentiment_score":0.2629806883633137},{"text":"So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term.","start":415.56,"end":425.82,"sentiment":"positive","sentiment_score":0.44544270924395984}],"sentiment":"positive","sentiment_score":0.4200878675308144,"channel":0,"num_words":114,"start":392.83002,"end":425.82},{"sentences":[{"text":"Essentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate.","start":426.44,"end":433.265,"sentiment":"neutral","sentiment_score":0.2962935375315802},{"text":"And it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight.","start":433.565,"end":444.465,"sentiment":"positive","sentiment_score":0.3664935635108697},{"text":"However, it can over the longer term if we look to increase that and make changes to your circumstances can have a greater effect down the track.","start":444.9,"end":451.72,"sentiment":"positive","sentiment_score":0.49797142297029495},{"text":"And being taxed at 15% as opposed to your marginal tax rate means you've got more money invested compounding towards your retirement goals, which is more of an advantage there for you.","start":452.1,"end":461.745,"sentiment":"positive","sentiment_score":0.40977626759558916},{"text":"Does that make sense?","start":461.745,"end":462.88498,"sentiment":"neutral","sentiment_score":0.22641810029745102}],"sentiment":"positive","sentiment_score":0.3902677138198595,"channel":0,"num_words":122,"start":426.44,"end":462.88498},{"sentences":[{"text":"Yeah.","start":464.78497,"end":465.185,"sentiment":"positive","sentiment_score":0.3842054605484009},{"text":"Perfect.","start":465.185,"end":465.685,"sentiment":"positive","sentiment_score":0.6339119672775269},{"text":"The other part of the recommendations was the insurance side of things.","start":466.94498,"end":470.19,"sentiment":"neutral","sentiment_score":0.2875625044107437},{"text":"So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there.","start":470.19,"end":476.53,"sentiment":"neutral","sentiment_score":0.32874472439289093},{"text":"So increasing that up to the 70% of your current income, which means we increase that to a monthly benefit of 6,183.","start":476.83002,"end":485.25,"sentiment":"positive","sentiment_score":0.38445319506255066}],"sentiment":"positive","sentiment_score":0.3475727880823201,"channel":0,"num_words":58,"start":464.78497,"end":485.25},{"sentences":[{"text":"We keep the thirty day wait and five year benefit period, so no changes there.","start":485.535,"end":489.795,"sentiment":"neutral","sentiment_score":0.28247530311346053},{"text":"It does expect or mean that we do expect the the sorry, total premium to increase.","start":489.855,"end":495.39502,"sentiment":"neutral","sentiment_score":0.14372087735682726},{"text":"The first year's premium, we expect to be a total of 1,479.","start":495.935,"end":500.755,"sentiment":"neutral","sentiment_score":0.20352968573570251},{"text":"That is a little bit higher from where you were at the moment.","start":500.95,"end":503.45,"sentiment":"neutral","sentiment_score":0.045044994698120996},{"text":"Just going back to have a quick look at your current premium.","start":503.75,"end":506.55002,"sentiment":"neutral","sentiment_score":0.08046913022796313}],"sentiment":"neutral","sentiment_score":0.15485638686839273,"channel":0,"num_words":68,"start":485.535,"end":506.55002},{"sentences":[{"text":"Sorry.","start":506.55002,"end":507.05002,"sentiment":"neutral","sentiment_score":0.00750543549656868},{"text":"Current premium we had deducted was 1,238.","start":507.75,"end":511.75,"sentiment":"neutral","sentiment_score":0.020278091675468853},{"text":"So we're essentially increasing that a little bit more significantly and only really adding an sort of $200 onto the cost of the premium for the year.","start":511.75,"end":519.755,"sentiment":"neutral","sentiment_score":0.2505580109578592},{"text":"That's meaning that instead of having a monthly benefit of 4,797, which is a bit low for the income that you're on, you can claim up to that full 70% in the event that something was to happen there.","start":520.21497,"end":532.315,"sentiment":"positive","sentiment_score":0.3603414461398736},{"text":"The thirty day wait, I do like because you only have to be off work for thirty days, and that can have a greater benefit.","start":532.58997,"end":538.82996,"sentiment":"positive","sentiment_score":0.3681136238574982}],"sentiment":"neutral","sentiment_score":0.30475429665635934,"channel":0,"num_words":99,"start":506.55002,"end":538.82996},{"sentences":[{"text":"There are certain illnesses or injuries where you might only be off for thirty days, might be off for another, you know, thirty or sixty then go back to work.","start":538.82996,"end":546.11,"sentiment":"neutral","sentiment_score":0.05621568200488885},{"text":"So it does actually mean that you can claim much sooner, putting less stress on your financial circumstances, but there's also instances where you can claim for extra illnesses or injuries that you might not be able to claim on if you had to wait that full sixty or ninety days there as well.","start":546.11,"end":562.91,"sentiment":"neutral","sentiment_score":0.11365126269972986},{"text":"Okay?","start":562.97,"end":563.47,"sentiment":"neutral","sentiment_score":0.04651837050914765}],"sentiment":"neutral","sentiment_score":0.09259008254636736,"channel":0,"num_words":85,"start":538.82996,"end":563.47},{"sentences":[{"text":"Yeah.","start":564.005,"end":564.485,"sentiment":"neutral","sentiment_score":0.07621145248413086},{"text":"Can","start":564.485,"end":564.72504,"sentiment":"neutral","sentiment_score":0.06687698513269424}],"sentiment":"neutral","sentiment_score":0.07154421880841255,"channel":1,"num_words":2,"start":564.005,"end":564.72504},{"sentences":[{"text":"Yep.","start":564.56995,"end":565.06995,"sentiment":"neutral","sentiment_score":0.09802280366420746}],"sentiment":"neutral","sentiment_score":0.09802280366420746,"channel":0,"num_words":1,"start":564.56995,"end":565.06995},{"sentences":[{"text":"I just ask,","start":564.72504,"end":565.705,"sentiment":"neutral","sentiment_score":0.03994873786966006}],"sentiment":"neutral","sentiment_score":0.03994873786966006,"channel":1,"num_words":3,"start":564.72504,"end":565.705},{"sentences":[{"text":"Absolutely.","start":566.64996,"end":567.14996,"sentiment":"neutral","sentiment_score":0.03940202668309212}],"sentiment":"neutral","sentiment_score":0.03940202668309212,"channel":0,"num_words":1,"start":566.64996,"end":567.14996},{"sentences":[{"text":"is there, like so say if we if there's something related to, like, a pregnancy or something, like, say something good?","start":567.84503,"end":578.27,"sentiment":"neutral","sentiment_score":-0.021491457397739094},{"text":"Is that at all could not all at all be in conversation,","start":578.27,"end":581.65,"sentiment":"neutral","sentiment_score":-0.12261346230904262}],"sentiment":"neutral","sentiment_score":-0.05826309554730401,"channel":1,"num_words":33,"start":567.84503,"end":581.65},{"sentences":[{"text":"Yes.","start":581.785,"end":582.285,"sentiment":"neutral","sentiment_score":-0.013290882110595705}],"sentiment":"neutral","sentiment_score":-0.013290882110595705,"channel":0,"num_words":1,"start":581.785,"end":582.285},{"sentences":[{"text":"or is that just, you know, say it's something say if you have a really difficult birth, or is that not related at all?","start":581.95,"end":591.765,"sentiment":"neutral","sentiment_score":-0.19481477979570627}],"sentiment":"neutral","sentiment_score":-0.19481477979570627,"channel":1,"num_words":24,"start":581.95,"end":591.765},{"sentences":[{"text":"So it really depends on what the circumstances is when it comes to pregnancy.","start":592.2,"end":595.82,"sentiment":"neutral","sentiment_score":-0.18163698592356273},{"text":"They don't allow you to claim income protection just for to going on maternity leave and and being pregnant.","start":595.88,"end":600.94,"sentiment":"neutral","sentiment_score":-0.24529500619361275},{"text":"However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy.","start":601.08,"end":614.085,"sentiment":"neutral","sentiment_score":-0.17732189353122269},{"text":"But if you're just on maternity leave, they don't allow you to claim for that.","start":614.94,"end":618.7,"sentiment":"negative","sentiment_score":-0.33342804114023844},{"text":"So it's a hard question to answer.","start":618.7,"end":620.62,"sentiment":"negative","sentiment_score":-0.42031775202069965}],"sentiment":"neutral","sentiment_score":-0.23236744105815887,"channel":0,"num_words":98,"start":592.2,"end":620.62},{"sentences":[{"text":"It just comes down to what the illness or injury is that was a result of the pregnancy or the miscarriage or something to do with it.","start":620.62,"end":629.355,"sentiment":"negative","sentiment_score":-0.34484424304079125},{"text":"I have seen people be able to claim in the past where they've had a miscarriage, and then their body hasn't really they've had ongoing issues and illnesses and and pain and things like that, and they've had to take extra time off work, and that has been claimed again.","start":629.51495,"end":642.735,"sentiment":"neutral","sentiment_score":-0.18887865990400315},{"text":"But then I've also seen where people have tried to claim for, you know, having a a a bad labor, having to be off for longer than their maternity leave, and they've not backed the claim.","start":643.26,"end":654.30005,"sentiment":"neutral","sentiment_score":-0.3040899903410011},{"text":"So it all just comes down to what what the injury or illness is and and how","start":654.30005,"end":660.095,"sentiment":"neutral","sentiment_score":-0.1871646664598409}],"sentiment":"neutral","sentiment_score":-0.25295205030303736,"channel":0,"num_words":130,"start":620.62,"end":660.095},{"sentences":[{"text":"That's","start":659.97,"end":660.47,"sentiment":"neutral","sentiment_score":-0.13628238439559937}],"sentiment":"neutral","sentiment_score":-0.13628238439559937,"channel":1,"num_words":1,"start":659.97,"end":660.47},{"sentences":[{"text":"it stems for them to be able to look at doing that for you, if that makes sense.","start":660.095,"end":664.175,"sentiment":"neutral","sentiment_score":-0.13754089176654816},{"text":"It's a little bit hard to answer.","start":664.175,"end":665.295,"sentiment":"negative","sentiment_score":-0.38242147650037495},{"text":"Sorry.","start":665.295,"end":665.77496,"sentiment":"neutral","sentiment_score":-0.2479286640882492},{"text":"It's","start":665.77496,"end":666.27496,"sentiment":"neutral","sentiment_score":-0.20145265758037567}],"sentiment":"neutral","sentiment_score":-0.20748398922107839,"channel":0,"num_words":27,"start":660.095,"end":666.27496},{"sentences":[{"text":"okay.","start":666.61,"end":667.11,"sentiment":"neutral","sentiment_score":-0.14789021015167236}],"sentiment":"neutral","sentiment_score":-0.14789021015167236,"channel":1,"num_words":1,"start":666.61,"end":667.11},{"sentences":[{"text":"a difficult one with pregnancy.","start":666.65497,"end":668.115,"sentiment":"neutral","sentiment_score":-0.3204518795013428}],"sentiment":"neutral","sentiment_score":-0.3204518795013428,"channel":0,"num_words":5,"start":666.65497,"end":668.115},{"sentences":[{"text":"I know that's it.","start":669.17,"end":670.23,"sentiment":"neutral","sentiment_score":-0.16114214807748795},{"text":"Let me check.","start":670.44995,"end":671.25,"sentiment":"neutral","sentiment_score":-0.03640593277911345},{"text":"My friend just had a","start":671.25,"end":672.12994,"sentiment":"neutral","sentiment_score":-0.03686461038887501}],"sentiment":"neutral","sentiment_score":-0.07817578688263893,"channel":1,"num_words":12,"start":669.17,"end":672.12994},{"sentences":[{"text":"Yeah.","start":672.12,"end":672.62,"sentiment":"neutral","sentiment_score":-0.05305234715342522}],"sentiment":"neutral","sentiment_score":-0.05305234715342522,"channel":0,"num_words":1,"start":672.12,"end":672.62},{"sentences":[{"text":"really","start":672.12994,"end":672.62994,"sentiment":"neutral","sentiment_score":-0.15553386509418488}],"sentiment":"neutral","sentiment_score":-0.15553386509418488,"channel":1,"num_words":1,"start":672.12994,"end":672.62994},{"sentences":[{"text":"I'm so sorry.","start":674.68,"end":676.37994,"sentiment":"neutral","sentiment_score":-0.16931429008642832},{"text":"Yeah.","start":676.51996,"end":677.01996,"sentiment":"neutral","sentiment_score":-0.11542005091905594}],"sentiment":"neutral","sentiment_score":-0.15584073029458523,"channel":0,"num_words":4,"start":674.68,"end":677.01996},{"sentences":[{"text":"It's not open.","start":679.075,"end":679.715,"sentiment":"neutral","sentiment_score":-0.16432408491770426},{"text":"Alright.","start":679.715,"end":680.03503,"sentiment":"neutral","sentiment_score":0.044831156730651855},{"text":"Thank you.","start":680.03503,"end":680.775,"sentiment":"neutral","sentiment_score":0.11511939764022827}],"sentiment":"neutral","sentiment_score":-0.03631705045700073,"channel":1,"num_words":6,"start":679.075,"end":680.775},{"sentences":[{"text":"Yeah.","start":680.36,"end":680.86,"sentiment":"neutral","sentiment_score":-0.02905060537159443},{"text":"No.","start":681.0,"end":681.24,"sentiment":"neutral","sentiment_score":-0.13438750803470612},{"text":"That's okay.","start":681.24,"end":682.12,"sentiment":"neutral","sentiment_score":-0.10120191425085068},{"text":"It's it's a it's a bit of a difficult one, but, no, I'm so sorry your friends had a difficult bath.","start":682.12,"end":686.505,"sentiment":"negative","sentiment_score":-0.358379623010045},{"text":"I know pregnancy doesn't work for everyone the same way.","start":686.505,"end":689.545,"sentiment":"neutral","sentiment_score":-0.32055267244577407}],"sentiment":"neutral","sentiment_score":-0.31706687855933396,"channel":0,"num_words":35,"start":680.36,"end":689.545},{"sentences":[{"text":"I've I had difficult ones, and I also had easy ones.","start":689.545,"end":692.425,"sentiment":"neutral","sentiment_score":-0.20231440731070258},{"text":"So it's definitely not not any not anything that we can kinda predict with how our body's gonna react to pregnancy.","start":692.425,"end":698.84503,"sentiment":"neutral","sentiment_score":-0.2016309911296481}],"sentiment":"neutral","sentiment_score":-0.2018659154418856,"channel":0,"num_words":32,"start":689.545,"end":698.84503},{"sentences":[{"text":"Yeah.","start":699.92,"end":700.42,"sentiment":"positive","sentiment_score":0.5146713852882385},{"text":"That's good.","start":700.64,"end":701.355,"sentiment":"positive","sentiment_score":0.7428101301193237}],"sentiment":"positive","sentiment_score":0.6667638818422953,"channel":1,"num_words":3,"start":699.92,"end":701.355},{"sentences":[{"text":"All good.","start":703.22003,"end":704.04004,"sentiment":"positive","sentiment_score":0.7290160059928894},{"text":"Essentially, within so looking to increase that income protection component there for you, this advice document has been scoped solely around to the superannuation.","start":705.06,"end":713.08,"sentiment":"neutral","sentiment_score":0.07448392570950091},{"text":"The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment.","start":713.46,"end":722.675,"sentiment":"neutral","sentiment_score":-0.06950577284241545},{"text":"But if you are wanting to certainly have a look at that, please do let me know.","start":722.975,"end":726.975,"sentiment":"neutral","sentiment_score":0.0880069914547836},{"text":"We can definitely have more of a conversation and look at what your needs are in relation to any additional cover over and above what we have recommended already.","start":726.975,"end":735.7,"sentiment":"neutral","sentiment_score":0.24067070720524625}],"sentiment":"neutral","sentiment_score":0.09609453643828926,"channel":0,"num_words":101,"start":703.22003,"end":735.7},{"sentences":[{"text":"It's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super.","start":736.4,"end":743.52,"sentiment":"neutral","sentiment_score":-0.018845774233341217},{"text":"So as part of the review process, while we're moving into the SMA and trying to sort of make things a little bit more streamlined for you and get the best out of your super, it's important that we still do those reviews with you.","start":743.52,"end":753.805,"sentiment":"neutral","sentiment_score":0.17304073290692434},{"text":"We'll review your circumstances, what needs to change, whether the sales stack is working for you, how the investments have performed.","start":753.94495,"end":760.19,"sentiment":"neutral","sentiment_score":0.0963276665480364},{"text":"Because if the estimate doesn't do what we need it to or doesn't work the same way, then we'll look at other options to kind of keep working towards your goals there.","start":760.19,"end":768.05,"sentiment":"neutral","sentiment_score":-0.0227957108290866},{"text":"And, also, looking at the insurance premiums because they are stacked.","start":768.35,"end":771.47003,"sentiment":"neutral","sentiment_score":-0.06018949147652496}],"sentiment":"neutral","sentiment_score":0.0575947820949946,"channel":0,"num_words":137,"start":736.4,"end":771.47003},{"sentences":[{"text":"As you get older, the risk of you making a claim increases, and those insurance premiums do get more expensive over time.","start":771.47003,"end":777.90497,"sentiment":"neutral","sentiment_score":-0.18794461712241173},{"text":"So it is really important that we review that review that with you on a regular basis.","start":777.90497,"end":782.385,"sentiment":"neutral","sentiment_score":0.02880879053298165},{"text":"I do apologize.","start":782.385,"end":783.205,"sentiment":"neutral","sentiment_score":-0.10238816340764363},{"text":"You'll note in the documents that we have reduced your ongoing service fee for this year up to 1.1% from the 1.65%.","start":784.625,"end":792.82,"sentiment":"neutral","sentiment_score":0.057660227260467684},{"text":"Our head of advisers approved that to be reduced for the twelve months.","start":793.2,"end":796.32,"sentiment":"neutral","sentiment_score":0.14329889703255433}],"sentiment":"neutral","sentiment_score":-0.010659558009114358,"channel":0,"num_words":77,"start":771.47003,"end":796.32},{"sentences":[{"text":"It and your review time will review how things are working for you and whether we increase that back to the 1.65 or whether we're able to reduce keep it at that 1.1.","start":796.32,"end":805.495,"sentiment":"neutral","sentiment_score":0.1283748977011507},{"text":"And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make.","start":806.115,"end":814.77496,"sentiment":"neutral","sentiment_score":0.11834789688388507},{"text":"It is important to note that it's legislated across the board.","start":815.15497,"end":817.73,"sentiment":"neutral","sentiment_score":0.13123774325305765},{"text":"So we actually don't it's standardized.","start":817.73,"end":819.91,"sentiment":"neutral","sentiment_score":0.10621103271842003},{"text":"It's 66% of the first year's insurance premiums and 22%, they're ongoing.","start":819.97,"end":824.31,"sentiment":"neutral","sentiment_score":0.19292652855316797}],"sentiment":"neutral","sentiment_score":0.13340373097771377,"channel":0,"num_words":86,"start":796.32,"end":824.31},{"sentences":[{"text":"Because it is standardized and legislated across the insurance industry, it means there's no conflict remuneration there.","start":824.85,"end":831.56995,"sentiment":"neutral","sentiment_score":0.27141117523698244},{"text":"It means that we it doesn't have any effect in the recommendations.","start":831.56995,"end":834.695,"sentiment":"neutral","sentiment_score":0.1920618712902069},{"text":"I recommended the increase solely with your current provider so that the increase is underwritten.","start":835.15497,"end":840.695,"sentiment":"neutral","sentiment_score":0.23922853668530783},{"text":"So if there are any changes, the current policy doesn't have any effect.","start":841.475,"end":845.495,"sentiment":"neutral","sentiment_score":0.18925369932101324},{"text":"It doesn't change your current policy in any way.","start":845.71497,"end":848.135,"sentiment":"neutral","sentiment_score":0.030603385633892484}],"sentiment":"neutral","sentiment_score":0.20064983404043948,"channel":0,"num_words":66,"start":824.85,"end":848.135},{"sentences":[{"text":"And by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there.","start":848.48,"end":854.87994,"sentiment":"neutral","sentiment_score":0.2850819308133352},{"text":"So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important.","start":854.87994,"end":863.94,"sentiment":"positive","sentiment_score":0.3736448635657628},{"text":"Does that make sense?","start":864.135,"end":866.155,"sentiment":"neutral","sentiment_score":0.203312736004591}],"sentiment":"neutral","sentiment_score":0.32744213451038706,"channel":0,"num_words":55,"start":848.48,"end":866.155},{"sentences":[{"text":"Yes.","start":865.85004,"end":866.35004,"sentiment":"neutral","sentiment_score":0.20543228089809415},{"text":"Yeah.","start":866.41003,"end":866.91003,"sentiment":"neutral","sentiment_score":0.2518553137779236}],"sentiment":"neutral","sentiment_score":0.22864379733800888,"channel":1,"num_words":2,"start":865.85004,"end":866.91003},{"sentences":[{"text":"Yeah.","start":866.695,"end":867.175,"sentiment":"positive","sentiment_score":0.35906878113746643},{"text":"Perfect.","start":867.175,"end":867.675,"sentiment":"positive","sentiment_score":0.5891995429992676},{"text":"Do you have any questions?","start":867.735,"end":869.355,"sentiment":"neutral","sentiment_score":0.2684563994407654},{"text":"I've kind of touched on the things that I had to.","start":869.41504,"end":871.655,"sentiment":"neutral","sentiment_score":0.15750834210352463},{"text":"Do you have any questions around any part of the document, any of the recommendations, or anything at all?","start":871.655,"end":878.715,"sentiment":"neutral","sentiment_score":0.10198720936712466}],"sentiment":"neutral","sentiment_score":0.16110538006634326,"channel":0,"num_words":37,"start":866.695,"end":878.715},{"sentences":[{"text":"No.","start":882.58,"end":882.82,"sentiment":"neutral","sentiment_score":-0.12392598390579224},{"text":"I don't think so.","start":882.82,"end":884.12,"sentiment":"neutral","sentiment_score":-0.15579057671129704},{"text":"I","start":884.18,"end":884.42,"sentiment":"neutral","sentiment_score":-0.09688690304756165}],"sentiment":"neutral","sentiment_score":-0.140662532299757,"channel":1,"num_words":6,"start":882.58,"end":884.42},{"sentences":[{"text":"No.","start":884.35,"end":884.75,"sentiment":"neutral","sentiment_score":-0.11277733743190764}],"sentiment":"neutral","sentiment_score":-0.11277733743190764,"channel":0,"num_words":1,"start":884.35,"end":884.75},{"sentences":[{"text":"guess I'm","start":884.42,"end":884.9,"sentiment":"neutral","sentiment_score":-0.09706775844097137}],"sentiment":"neutral","sentiment_score":-0.09706775844097137,"channel":1,"num_words":2,"start":884.42,"end":884.9},{"sentences":[{"text":"That's","start":884.75,"end":885.07,"sentiment":"neutral","sentiment_score":-0.0033100894652307034}],"sentiment":"neutral","sentiment_score":-0.0033100894652307034,"channel":0,"num_words":1,"start":884.75,"end":885.07},{"sentences":[{"text":"just","start":884.9,"end":885.4,"sentiment":"neutral","sentiment_score":-0.005624070763587952}],"sentiment":"neutral","sentiment_score":-0.005624070763587952,"channel":1,"num_words":1,"start":884.9,"end":885.4},{"sentences":[{"text":"okay.","start":885.07,"end":885.57,"sentiment":"neutral","sentiment_score":0.046325571835041046}],"sentiment":"neutral","sentiment_score":0.046325571835041046,"channel":0,"num_words":1,"start":885.07,"end":885.57},{"sentences":[{"text":"the comparison.","start":886.26,"end":886.92,"sentiment":"neutral","sentiment_score":0.04952532425522804},{"text":"So is this investment returns like the recommended switch where where we've got Choice and Super","start":886.98,"end":892.92,"sentiment":"neutral","sentiment_score":0.0968570385593921}],"sentiment":"neutral","sentiment_score":0.09159795919226275,"channel":1,"num_words":18,"start":886.26,"end":892.92},{"sentences":[{"text":"Mhmm.","start":893.565,"end":894.065,"sentiment":"neutral","sentiment_score":0.06533355265855789}],"sentiment":"neutral","sentiment_score":0.06533355265855789,"channel":0,"num_words":1,"start":893.565,"end":894.065},{"sentences":[{"text":"actual and Core switching.","start":893.78,"end":896.04,"sentiment":"neutral","sentiment_score":0.0870913602411747}],"sentiment":"neutral","sentiment_score":0.0870913602411747,"channel":1,"num_words":4,"start":893.78,"end":896.04},{"sentences":[{"text":"Yep.","start":895.965,"end":896.465,"sentiment":"neutral","sentiment_score":0.11441349238157272},{"text":"Yep.","start":896.765,"end":897.265,"sentiment":"neutral","sentiment_score":0.10945992171764374}],"sentiment":"neutral","sentiment_score":0.11193670704960823,"channel":0,"num_words":2,"start":895.965,"end":897.265},{"sentences":[{"text":"These are all the differences between the fees and the adviser fees, net contribution.","start":897.025,"end":901.685,"sentiment":"neutral","sentiment_score":0.052955828074898036}],"sentiment":"neutral","sentiment_score":0.052955828074898036,"channel":1,"num_words":14,"start":897.025,"end":901.685},{"sentences":[{"text":"That's correct.","start":901.405,"end":902.385,"sentiment":"neutral","sentiment_score":0.15481888502836227},{"text":"Yeah.","start":902.765,"end":903.16504,"sentiment":"neutral","sentiment_score":0.1095925197005272},{"text":"So the first one there, the current is what you're in at the moment with your administration fees, investment fees, any other fees applicable to membership fees and an underlying costs, the ongoing service fee that you have been paying at the moment, your contributions going in next.","start":903.16504,"end":919.0,"sentiment":"neutral","sentiment_score":0.06171175177829961},{"text":"That's after the percent tax, but and doesn't take into account the increase in sales back, and then your current insurance premiums there as well.","start":919.0,"end":927.535,"sentiment":"neutral","sentiment_score":0.010937278680503369},{"text":"And then with the high growth portfolio, but showing the three year rolling average there because we weren't able to get the five year rolling average.","start":927.595,"end":934.65497,"sentiment":"neutral","sentiment_score":0.05414566768404956}],"sentiment":"neutral","sentiment_score":0.049633467665818685,"channel":0,"num_words":102,"start":901.405,"end":934.65497},{"sentences":[{"text":"But, I mean, when you have a look at that, I use projections as just a baseline to kind of look at this what's happening.","start":935.14,"end":941.77997,"sentiment":"neutral","sentiment_score":0.06502866506576538},{"text":"That's why I'm honest and tell you that there is a difference in the three year rolling average between the current high growth portfolio to the OVF estimate blend.","start":941.77997,"end":949.95996,"sentiment":"neutral","sentiment_score":0.17048585517653103},{"text":"And, like, when I had a look, either the 2024 annual review, you actually returned 7%.","start":950.555,"end":956.495,"sentiment":"neutral","sentiment_score":0.29509111773222685},{"text":"Last year when we spoke, it was 7%, and the markets have taken a bit of a hit this year as well.","start":956.875,"end":961.595,"sentiment":"neutral","sentiment_score":0.07024522803046486},{"text":"So the portfolio report currently shows you've had an increase of about 4%.","start":961.595,"end":966.79,"sentiment":"neutral","sentiment_score":0.24454494336476693}],"sentiment":"neutral","sentiment_score":0.1525308913418225,"channel":0,"num_words":105,"start":935.14,"end":966.79},{"sentences":[{"text":"So I always take these as the rolling averages with a grain of salt and note that we're working on your super.","start":967.25,"end":972.93,"sentiment":"neutral","sentiment_score":0.25591045821254904},{"text":"We're working on things.","start":972.93,"end":974.05,"sentiment":"positive","sentiment_score":0.35386645793914795},{"text":"So the fact that we're reducing your fees, increasing contributions in, hopefully, you get a pay rise there at some point you're deserving of that, That can actually have a greater long term effect on your super than just this three year rolling average because I know this three year rolling average should always be taken with a grain of salt.","start":974.05,"end":991.22504,"sentiment":"positive","sentiment_score":0.3666815806607731},{"text":"You can safely say over the last couple of years, you've not received the 16.59% return every year, and I would not expect that to happen moving forward with the amount of volatility that we are seeing.","start":991.84503,"end":1002.13,"sentiment":"neutral","sentiment_score":-0.13179657437108658},{"text":"So it's about looking at the other advantages.","start":1002.51,"end":1004.45,"sentiment":"neutral","sentiment_score":0.15485758520662785}],"sentiment":"neutral","sentiment_score":0.19526863456562613,"channel":0,"num_words":132,"start":967.25,"end":1004.45},{"sentences":[{"text":"The 13.97% for the SMA is probably a little bit more logical.","start":1005.15,"end":1009.41003,"sentiment":"neutral","sentiment_score":0.12441089407851298},{"text":"I still, again, don't expect you to get that every single year.","start":1009.955,"end":1013.09503,"sentiment":"neutral","sentiment_score":-0.2097775029639403},{"text":"What we're working towards is a building super at a steady rate on a regular basis and doing what we can to make sure that that continues.","start":1013.47504,"end":1020.695,"sentiment":"positive","sentiment_score":0.34411661989159054},{"text":"With a high growth portfolio, we're actually looking to try and get between eight to ten eight to 10% on a yearly basis, and keep that growing over time, and that's gonna have much more of an effect there.","start":1020.91504,"end":1031.8,"sentiment":"positive","sentiment_score":0.45414449236331844},{"text":"So, it's just it's important that you sort of see that.","start":1031.8,"end":1035.0,"sentiment":"neutral","sentiment_score":0.12779138004407287}],"sentiment":"neutral","sentiment_score":0.27112960210992115,"channel":0,"num_words":101,"start":1005.15,"end":1035.0},{"sentences":[{"text":"I'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four.","start":1035.0,"end":1044.535,"sentiment":"positive","sentiment_score":0.4328034826937844},{"text":"And there's no not a lot of selling that I have to change or move you out of Superfund at all.","start":1044.535,"end":1049.3351,"sentiment":"neutral","sentiment_score":0.22379002436285927},{"text":"It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over.","start":1049.3351,"end":1058.3,"sentiment":"neutral","sentiment_score":0.2743527591228485},{"text":"Whenever we are moving investments, any investments between the choice and the core product when we're moving between the current high growth through the SMA, Hub twenty four will always do it in the most tax effective way.","start":1059.16,"end":1070.2949,"sentiment":"neutral","sentiment_score":0.3026763565446201},{"text":"So they'll have a look at what you've owned for longer, where you've got you've owned for more than twelve months, what they can have discounts on, where they can benefit from losses to offset any gains to kinda minimize the CDT consequences of the moving.","start":1070.2949,"end":1083.97,"sentiment":"neutral","sentiment_score":0.30789642197930295}],"sentiment":"neutral","sentiment_score":0.3149656969291425,"channel":0,"num_words":171,"start":1035.0,"end":1083.97},{"sentences":[{"text":"And they in specie transfer everything over, so we don't have to sell everything to move it over.","start":1084.35,"end":1089.1699,"sentiment":"neutral","sentiment_score":0.2630029072364171},{"text":"The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains.","start":1089.23,"end":1097.33,"sentiment":"neutral","sentiment_score":0.24968261112059867}],"sentiment":"neutral","sentiment_score":0.25489490090504935,"channel":0,"num_words":46,"start":1084.35,"end":1097.33},{"sentences":[{"text":"Okay.","start":1099.15,"end":1099.65,"sentiment":"neutral","sentiment_score":0.1376897394657135}],"sentiment":"neutral","sentiment_score":0.1376897394657135,"channel":1,"num_words":1,"start":1099.15,"end":1099.65},{"sentences":[{"text":"Yeah.","start":1099.2051,"end":1099.7051,"sentiment":"neutral","sentiment_score":0.16012094914913175},{"text":"Yeah.","start":1100.165,"end":1100.665,"sentiment":"neutral","sentiment_score":0.2691442668437958}],"sentiment":"neutral","sentiment_score":0.21463260799646378,"channel":0,"num_words":2,"start":1099.2051,"end":1100.665},{"sentences":[{"text":"Perfect.","start":1103.6151,"end":1104.1151,"sentiment":"positive","sentiment_score":0.5025043487548828},{"text":"In","start":1104.7351,"end":1104.9751,"sentiment":"positive","sentiment_score":0.34754306077957153}],"sentiment":"positive","sentiment_score":0.4250237047672272,"channel":1,"num_words":2,"start":1103.6151,"end":1104.9751},{"sentences":[{"text":"Easy.","start":1104.885,"end":1105.385,"sentiment":"positive","sentiment_score":0.36821460723876953}],"sentiment":"positive","sentiment_score":0.36821460723876953,"channel":0,"num_words":1,"start":1104.885,"end":1105.385},{"sentences":[{"text":"this so it still remains.","start":1104.9751,"end":1108.175,"sentiment":"neutral","sentiment_score":0.17877037525177003},{"text":"I'm just looking at page what page is this?","start":1108.175,"end":1110.415,"sentiment":"neutral","sentiment_score":0.01827684986508555},{"text":"35","start":1110.415,"end":1111.2351,"sentiment":"neutral","sentiment_score":-0.00048799626529216766}],"sentiment":"neutral","sentiment_score":0.07052370191862185,"channel":1,"num_words":15,"start":1104.9751,"end":1111.2351},{"sentences":[{"text":"Mhmm.","start":1111.62,"end":1112.12,"sentiment":"neutral","sentiment_score":0.0023776148445904255}],"sentiment":"neutral","sentiment_score":0.0023776148445904255,"channel":0,"num_words":1,"start":1111.62,"end":1112.12},{"sentences":[{"text":"of confidential statement of advice.","start":1111.935,"end":1114.515,"sentiment":"neutral","sentiment_score":0.007243533991277218},{"text":"It","start":1114.9751,"end":1115.2151,"sentiment":"neutral","sentiment_score":0.00243566557765007}],"sentiment":"neutral","sentiment_score":0.006442222589006026,"channel":1,"num_words":6,"start":1111.935,"end":1115.2151},{"sentences":[{"text":"Yep.","start":1114.98,"end":1115.48,"sentiment":"neutral","sentiment_score":0.006634247489273548}],"sentiment":"neutral","sentiment_score":0.006634247489273548,"channel":0,"num_words":1,"start":1114.98,"end":1115.48},{"sentences":[{"text":"kind of, like, a 105,000 because there's a dot after that is not a comma.","start":1115.2151,"end":1123.68,"sentiment":"neutral","sentiment_score":-0.009726466983556748},{"text":"It it is a million, isn't it?","start":1124.3,"end":1126.3,"sentiment":"neutral","sentiment_score":0.004480168489473206},{"text":"My life insurance and my TPD.","start":1126.3,"end":1128.48,"sentiment":"neutral","sentiment_score":0.0028831477587421737}],"sentiment":"neutral","sentiment_score":-0.0034727478133780615,"channel":1,"num_words":28,"start":1115.2151,"end":1128.48},{"sentences":[{"text":"It is.","start":1130.195,"end":1130.835,"sentiment":"neutral","sentiment_score":0.009709464386105537},{"text":"Yes.","start":1130.835,"end":1131.235,"sentiment":"neutral","sentiment_score":0.011013373732566832},{"text":"Sorry.","start":1131.235,"end":1131.635,"sentiment":"neutral","sentiment_score":-0.05859800428152085},{"text":"That is a typo.","start":1131.635,"end":1132.615,"sentiment":"neutral","sentiment_score":-0.12793762795627117},{"text":"Yeah.","start":1132.835,"end":1133.335,"sentiment":"neutral","sentiment_score":-0.07540705800056458}],"sentiment":"neutral","sentiment_score":-0.0683692524002658,"channel":0,"num_words":9,"start":1130.195,"end":1133.335},{"sentences":[{"text":"My apologies about that one.","start":1133.5549,"end":1134.835,"sentiment":"neutral","sentiment_score":-0.15285594761371613},{"text":"If you go up to that is a typo on that back page because they're, obviously, they're missing a zero.","start":1134.835,"end":1140.48,"sentiment":"neutral","sentiment_score":-0.06838844027370214},{"text":"If you go up to page number 10, this does show it correctly at the current amount.","start":1142.54,"end":1148.7,"sentiment":"neutral","sentiment_score":0.02623240803094471},{"text":"So it is missing an extra zero there.","start":1148.7,"end":1150.945,"sentiment":"neutral","sentiment_score":-0.08282996341586113},{"text":"Sorry about that.","start":1150.945,"end":1151.9249,"sentiment":"neutral","sentiment_score":-0.12597088515758514}],"sentiment":"neutral","sentiment_score":-0.051446225845588826,"channel":0,"num_words":53,"start":1133.5549,"end":1151.9249},{"sentences":[{"text":"No.","start":1152.37,"end":1152.61,"sentiment":"neutral","sentiment_score":-0.14214684069156647},{"text":"No.","start":1152.61,"end":1152.85,"sentiment":"neutral","sentiment_score":-0.13565802574157715},{"text":"No.","start":1152.85,"end":1153.01,"sentiment":"neutral","sentiment_score":-0.10013774782419203},{"text":"Okay.","start":1153.01,"end":1153.51,"sentiment":"neutral","sentiment_score":-0.04356097802519798},{"text":"I just thought as long as it's not wrong.","start":1153.57,"end":1156.07,"sentiment":"neutral","sentiment_score":-0.0017310961460073797}],"sentiment":"neutral","sentiment_score":-0.0336218044305077,"channel":1,"num_words":13,"start":1152.37,"end":1156.07},{"sentences":[{"text":"Okay.","start":1156.625,"end":1157.125,"sentiment":"neutral","sentiment_score":0.04470597207546234}],"sentiment":"neutral","sentiment_score":0.04470597207546234,"channel":1,"num_words":1,"start":1156.625,"end":1157.125},{"sentences":[{"text":"No.","start":1156.705,"end":1156.945,"sentiment":"neutral","sentiment_score":-0.03950654715299606},{"text":"No.","start":1156.945,"end":1157.2649,"sentiment":"neutral","sentiment_score":0.015559878200292587},{"text":"That's that's absolutely fine.","start":1157.2649,"end":1158.625,"sentiment":"neutral","sentiment_score":0.21891659311950207},{"text":"So at the moment, you do have a million and 50,000 there.","start":1158.625,"end":1162.11,"sentiment":"neutral","sentiment_score":0.065065729431808},{"text":"That is correct.","start":1162.59,"end":1163.15,"sentiment":"neutral","sentiment_score":0.22032212217648825}],"sentiment":"neutral","sentiment_score":0.10921308682078407,"channel":0,"num_words":21,"start":1156.705,"end":1163.15},{"sentences":[{"text":"And on page 10, it notes it correctly.","start":1163.15,"end":1165.07,"sentiment":"neutral","sentiment_score":0.10172509122639894},{"text":"And then I've also got down here on page number","start":1165.07,"end":1168.29,"sentiment":"neutral","sentiment_score":0.06021784394979477}],"sentiment":"neutral","sentiment_score":0.07866550940606329,"channel":0,"num_words":18,"start":1163.15,"end":1168.29},{"sentences":[{"text":"Right.","start":1167.905,"end":1168.405,"sentiment":"neutral","sentiment_score":0.07498142123222351},{"text":"Yeah.","start":1169.025,"end":1169.265,"sentiment":"neutral","sentiment_score":0.07944657653570175},{"text":"Yeah.","start":1169.265,"end":1169.46,"sentiment":"neutral","sentiment_score":0.047972068190574646}],"sentiment":"neutral","sentiment_score":0.0674666886528333,"channel":1,"num_words":3,"start":1167.905,"end":1169.46},{"sentences":[{"text":"sorry.","start":1169.63,"end":1169.95,"sentiment":"neutral","sentiment_score":-0.006154365837574005},{"text":"The recommendations there is page 23.","start":1169.95,"end":1175.15,"sentiment":"neutral","sentiment_score":-0.004560577993591626},{"text":"Yeah.","start":1175.15,"end":1175.47,"sentiment":"neutral","sentiment_score":0.10834053158760072},{"text":"That's also got it noted correctly for you.","start":1175.47,"end":1177.63,"sentiment":"neutral","sentiment_score":0.16807146649807692},{"text":"So do apologize about that slight typo there.","start":1177.63,"end":1180.325,"sentiment":"neutral","sentiment_score":-0.055984933860599995}],"sentiment":"neutral","sentiment_score":0.040479789953678846,"channel":0,"num_words":24,"start":1169.63,"end":1180.325},{"sentences":[{"text":"I'm happy to go back and have that rectified and resend the documents too if you'd like 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as","start":1186.855,"end":1187.1749,"sentiment":"neutral","sentiment_score":0.03593861311674118}],"sentiment":"neutral","sentiment_score":0.02187481682215418,"channel":1,"num_words":7,"start":1186.135,"end":1187.1749},{"sentences":[{"text":"to.","start":1187.125,"end":1187.445,"sentiment":"neutral","sentiment_score":0.043471433222293854}],"sentiment":"neutral","sentiment_score":0.043471433222293854,"channel":0,"num_words":1,"start":1187.125,"end":1187.445},{"sentences":[{"text":"it","start":1187.1749,"end":1187.6749,"sentiment":"neutral","sentiment_score":0.03980757296085358}],"sentiment":"neutral","sentiment_score":0.03980757296085358,"channel":1,"num_words":1,"start":1187.1749,"end":1187.6749},{"sentences":[{"text":"That's okay.","start":1187.445,"end":1188.265,"sentiment":"neutral","sentiment_score":0.20330368727445602}],"sentiment":"neutral","sentiment_score":0.20330368727445602,"channel":0,"num_words":2,"start":1187.445,"end":1188.265},{"sentences":[{"text":"because it 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it's not viable or it's not in his best interest, I will be really honest and let him know that.","start":1344.0599,"end":1351.395,"sentiment":"neutral","sentiment_score":0.05281555742928476}],"sentiment":"neutral","sentiment_score":0.28970791269903595,"channel":0,"num_words":92,"start":1329.405,"end":1351.395},{"sentences":[{"text":"So that's one thing I do pride myself on is the honesty and making sure that if it's not in his best interest, if he's better to stay where he is, that we'll recommend that for him.","start":1351.395,"end":1360.515,"sentiment":"neutral","sentiment_score":0.32912407322107134},{"text":"But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to 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paper is whilst it's not personal advice.","start":1508.005,"end":1516.565,"sentiment":"neutral","sentiment_score":0.26688383498362134}],"sentiment":"neutral","sentiment_score":0.1993532744722802,"channel":0,"num_words":67,"start":1497.86,"end":1516.565},{"sentences":[{"text":"It's more just sort of this is what your goal is.","start":1516.565,"end":1519.06,"sentiment":"neutral","sentiment_score":0.24455375969409943},{"text":"Obviously, our services might not be right for you.","start":1519.36,"end":1521.76,"sentiment":"neutral","sentiment_score":-0.07823752239346504},{"text":"However, this is what we're suggesting you probably do in this circumstance to help you along.","start":1521.76,"end":1526.8,"sentiment":"neutral","sentiment_score":0.32668748684227467},{"text":"So I can absolutely do that as well.","start":1526.8,"end":1528.8201,"sentiment":"positive","sentiment_score":0.5720828175544739},{"text":"With the the fact that he's not working, we would wanna make sure to get value out 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know.","start":1674.4349,"end":1676.375,"sentiment":"neutral","sentiment_score":0.1675075963139534},{"text":"The one document that is a bit different to all the others is the tax file opt in form.","start":1676.515,"end":1680.995,"sentiment":"neutral","sentiment_score":0.010323767109136833},{"text":"So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it.","start":1680.995,"end":1687.8999,"sentiment":"neutral","sentiment_score":0.12418198047412767}],"sentiment":"neutral","sentiment_score":0.15830940717831254,"channel":0,"num_words":100,"start":1662.7,"end":1687.8999},{"sentences":[{"text":"It is safe and secure.","start":1687.8999,"end":1689.34,"sentiment":"positive","sentiment_score":0.3840524733066559},{"text":"We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold 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eyes through any of those.","start":1719.59,"end":1721.99,"sentiment":"neutral","sentiment_score":0.1773843139410019},{"text":"If you have any questions, let me know.","start":1721.99,"end":1724.25,"sentiment":"neutral","sentiment_score":0.12413001991808414},{"text":"If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me.","start":1724.47,"end":1729.155,"sentiment":"neutral","sentiment_score":0.2902997887947343},{"text":"If there are any changes on the last page of the advice document, we do have a text box where you can write if you there's anything you don't wish to undertake or any part of the advice you don't wish to proceed with, which is completely fine.","start":1729.395,"end":1742.535,"sentiment":"neutral","sentiment_score":0.059940793454491846}],"sentiment":"neutral","sentiment_score":0.13457118683921485,"channel":0,"num_words":96,"start":1717.59,"end":1742.535},{"sentences":[{"text":"And if you're happy if it asks you to 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Sarah.","start":1958.713,"end":1959.433,"sentiment":"positive","sentiment_score":0.6774725914001465},{"text":"See you later.","start":1959.433,"end":1960.153,"sentiment":"positive","sentiment_score":0.5682340860366821},{"text":"Bye.","start":1960.153,"end":1960.653,"sentiment":"neutral","sentiment_score":-0.08954198658466339}],"sentiment":"positive","sentiment_score":0.5473965834826231,"channel":0,"num_words":8,"start":1958.073,"end":1960.653}]},"summary":{"result":"success","short":"Representatives from OQ Financial and Super recommend new platforms and insurance options, including the Core platform, which is cheaper and less expensive. The speaker emphasizes the importance of reviewing circumstances and adjusting insurance policy accordingly, as well as the benefits of moving into cheaper products within Hub 24. The company offers to provide advice and guidance to customers and emphasizes the importance of reducing fees and moving investments into cheaper products. The agent emphasizes the importance of reviewing policy documents and reducing coverage for older individuals, and offers assistance for customers with signing and reviewing them."},"intents":{"segments":[{"text":"I had you booked in just to run through that statement of advice. Is now still a good time there for you? Yeah. That's right. Yeah. Fantastic. I know I did send it through to you the other week to have a bit of a look through as well. Have you read the document or had a bit of a look through? I don't know.","start_word":28,"end_word":92,"intents":[{"intent":"Check status","confidence_score":0.05598797}]},{"text":"Did you want me to give you a callback shortly?","start_word":175,"end_word":184,"intents":[{"intent":"Request call back","confidence_score":0.0066087972}]},{"text":"And just to do security there with you as well, I am discussing your personal information. So I'll just get you to confirm your full name, address, and date of birth. Sorry.","start_word":263,"end_word":294,"intents":[{"intent":"Confirm information","confidence_score":0.15991323}]},{"text":"But we do wanna sort of look at rechanging or altering the investment structure for you.","start_word":497,"end_word":512,"intents":[{"intent":"Retain hub 24 and restructure investment structure","confidence_score":0.00008767406}]},{"text":"And over the longer term, we can see greater returns as well depending on how the markets react over time.","start_word":947,"end_word":966,"intents":[{"intent":"Achieve higher returns","confidence_score":0.000040395204}]},{"text":"One of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so. You were comfortable with about $50 on a fortnightly basis. So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight.","start_word":1218,"end_word":1271,"intents":[{"intent":"Making contributions","confidence_score":0.00096219865}]},{"text":"So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term.","start_word":1372,"end_word":1407,"intents":[{"intent":"Recommending small changes","confidence_score":0.03184475}]},{"text":"Essentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate. And it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight.","start_word":1408,"end_word":1466,"intents":[{"intent":"Comparing benefits","confidence_score":0.0051052263},{"intent":"Limiting income tax deduction","confidence_score":0.005894358}]},{"text":"So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there.","start_word":1544,"end_word":1565,"intents":[{"intent":"Increase income protection benefit and increase premium","confidence_score":0.00025229334}]},{"text":"They don't allow you to claim income protection just for to going on maternity leave and and being pregnant.","start_word":1919,"end_word":1937,"intents":[{"intent":"Clarify situation and claim benefits","confidence_score":0.000036538233}]},{"text":"However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy.","start_word":1938,"end_word":1980,"intents":[{"intent":"Assess claim based on illness or injury","confidence_score":0.12025855},{"intent":"Explain miscarriage or miscarriage situation","confidence_score":1.8605908e-7}]},{"text":"The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment.","start_word":2287,"end_word":2315,"intents":[{"intent":"Discuss additional cover and review.","confidence_score":0.000008507147}]},{"text":"It's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super.","start_word":2362,"end_word":2389,"intents":[{"intent":"Review.com and its impact on super","confidence_score":0.001171644}]},{"text":"And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make.","start_word":2610,"end_word":2633,"intents":[{"intent":"Ensure remuneration is standardized and effective","confidence_score":0.0000017506833}]},{"text":"And by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there. So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important. Does that make sense? Yes.","start_word":2728,"end_word":2783,"intents":[{"intent":"Provide policy and guidance on underwriting process and tax implications","confidence_score":1.2484934e-9}]},{"text":"So is this investment returns like the recommended switch where where we've got Choice and Super Mhmm. actual and Core switching. Yep. Yep.","start_word":2836,"end_word":2858,"intents":[{"intent":"Expedite investment return and investment decisions","confidence_score":6.5081565e-11}]},{"text":"The 13.97% for the SMA is probably a little bit more logical.","start_word":3212,"end_word":3223,"intents":[{"intent":"Explain portfolio advantages","confidence_score":0.00043606336}]},{"text":"I'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four.","start_word":3314,"end_word":3347,"intents":[{"intent":"Explaining difference between rolling average and cheaper products","confidence_score":0.004010885}]},{"text":"It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over.","start_word":3368,"end_word":3399,"intents":[{"intent":"Offering advice on how to transfer investments","confidence_score":0.000019159024},{"intent":"Explaining changes to core product","confidence_score":0.0007218647}]},{"text":"The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains. Okay. Yeah.","start_word":3502,"end_word":3531,"intents":[{"intent":"Explaining new policies for investment portfolios","confidence_score":1.5223728e-7}]},{"text":"kind of, like, a 105,000 because there's a dot after that is not a comma. It it is a million, isn't it?","start_word":3559,"end_word":3580,"intents":[{"intent":"Explaining confusion about comma","confidence_score":0.0081804935}]},{"text":"That is a typo. Yeah.","start_word":3591,"end_word":3595,"intents":[{"intent":"Expressing gratitude for typo","confidence_score":0.031264186},{"intent":"Apologizing for typo","confidence_score":0.011492454}]},{"text":"And if you refer him on and he does sign on, you do also get a $100 gift card for the referrals.","start_word":4084,"end_word":4105,"intents":[{"intent":"Inform referrals","confidence_score":0.0003779113}]},{"text":"But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to help. Sounds good. Alright.","start_word":4315,"end_word":4392,"intents":[{"intent":"Discuss advice for goals","confidence_score":0.0040988126},{"intent":"Help with goals","confidence_score":0.05524887}]},{"text":"It's like a Super Balance. So he's been on work cover the last, I don't know, three years. And Mhmm.","start_word":4426,"end_word":4445,"intents":[{"intent":"Work cover","confidence_score":0.001592249}]},{"text":"It's like a Super Balance. So he's been on work cover the last, I don't know, three years. And Mhmm. he's only just started they've only just started paying his super balance, and it was previously paid out with his TPD claim.","start_word":4426,"end_word":4467,"intents":[{"intent":"Discuss super balance","confidence_score":0.07148521}]},{"text":"No.","start_word":4572,"end_word":4572,"intents":[{"intent":"Discuss income and work situations","confidence_score":0.000010619715}]},{"text":"I asked him to, like, look into that and sign up and sort it all out, but I just wanted him to so he's gonna work out the fees and all that related to Mhmm. that.","start_word":4673,"end_word":4708,"intents":[{"intent":"Sort out fees","confidence_score":0.13312584}]},{"text":"And that kinda gives him an idea of what industry fund can work for him, what the fees look like, how it sort of looks in a strategy paper is whilst it's not personal advice.","start_word":4778,"end_word":4812,"intents":[{"intent":"Provide strategy paper","confidence_score":0.13740203}]},{"text":"Obviously, our services might not be right for you. However, this is what we're suggesting you probably do in this circumstance to help you along.","start_word":4824,"end_word":4848,"intents":[{"intent":"Help","confidence_score":0.0033745486}]},{"text":"Making contributions is definitely an important aspect there.","start_word":4877,"end_word":4884,"intents":[{"intent":"Make contributions","confidence_score":0.4342036}]},{"text":"Generally, once you've had a claim in the past, they don't wanna re reinsure you with disability for income protection or TBD.","start_word":4973,"end_word":4994,"intents":[{"intent":"Reinsure with tdb","confidence_score":0.0284267}]},{"text":"I would just wanna get some more information around what the claim was, the injury, the illness, and and I can go out to all the insurers and have a really good look at what the options might be available to him.","start_word":5006,"end_word":5047,"intents":[{"intent":"Gather claim information","confidence_score":0.19563597},{"intent":"Go out to insurance providers","confidence_score":0.0023389913},{"intent":"Obtain information about claim and benefits","confidence_score":0.000022980888}]},{"text":"But it just comes down to what the injury or the illness was that caused him to claim on disability in the past.","start_word":5075,"end_word":5097,"intents":[{"intent":"Discuss disability claim","confidence_score":0.22456723},{"intent":"Discuss disability claim","confidence_score":0.059035696}]},{"text":"So feel free to have a chat to him, talk about what we do. And if he wants to just talk to me before going through the process, I can absolutely help with that as well. Okay.","start_word":5125,"end_word":5161,"intents":[{"intent":"Get assistance with information","confidence_score":0.00011337565}]},{"text":"And if he wants to just talk to me before going through the process, I can absolutely help with that as well.","start_word":5139,"end_word":5160,"intents":[{"intent":"Provide assistance with filing documents and documents","confidence_score":0.00003644651}]},{"text":"So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it. It is safe and secure. We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold that.","start_word":5402,"end_word":5459,"intents":[{"intent":"Update authority","confidence_score":0.34044433}]},{"text":"We'll go back to the ATO to see if there's any money out in the ether anywhere and see what we can find, if we can find anything else to help you along as well. Okay?","start_word":5484,"end_word":5519,"intents":[{"intent":"Find and return documents","confidence_score":0.02973695}]},{"text":"If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me.","start_word":5552,"end_word":5573,"intents":[{"intent":"Provide recommendations","confidence_score":0.0001984855}]},{"text":"And in these bottom pages, it's talking about projection quote our protection quote projection. Is that Yep.","start_word":5658,"end_word":5674,"intents":[{"intent":"Review and review projection quote","confidence_score":0.041204367}]},{"text":"If you're if you're if you need less cover, we wanna start reducing that.","start_word":5850,"end_word":5863,"intents":[{"intent":"Reduce cover","confidence_score":0.026342718}]},{"text":"And we wanna make sure your super is still working by that, but we don't wanna we don't wanna eat away all of your super with your insurance premium.","start_word":5997,"end_word":6025,"intents":[{"intent":"Maintain super super","confidence_score":0.007594266}]},{"text":"I was just gonna answer the question. So you also asked me what a and b stands for.","start_word":6088,"end_word":6105,"intents":[{"intent":"Answer question","confidence_score":0.67796975}]}]},"sentiments":{"segments":[{"text":"Hello. Sarah speaking. Hi, Sarah. It's Dana from OQ Financial. How are you this morning?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1553301215171814},{"text":"Good. How are you going? I'm very well. Thank you. Thanks for asking.","start_word":15,"end_word":27,"sentiment":"positive","sentiment_score":0.5689982771873474},{"text":"I had you booked in just to run through that statement of advice. Is now still a good time there for you? Yeah. That's right.","start_word":28,"end_word":52,"sentiment":"neutral","sentiment_score":0.2698589563369751},{"text":"Yeah. Fantastic.","start_word":53,"end_word":54,"sentiment":"positive","sentiment_score":0.5289570093154907},{"text":"I know I did send it through to you the other week to have a bit of a look through as well. Have you read the document or had a bit of a look through? I don't know. You've been probably quite busy as well. Yeah. Yeah. I did have a look. It was mainly the insurance, so I was just wanting to, you know, have a look at and Yep. that all yeah.","start_word":55,"end_word":128,"sentiment":"neutral","sentiment_score":0.08364783972501755},{"text":"Perfect.","start_word":129,"end_word":129,"sentiment":"positive","sentiment_score":0.3359585702419281},{"text":"All good. Are you driving at the moment as well? I am sorry. Yep. My my mom just so I'm just coming back from No. her. But Oh, I'll wow. get back soon, so it'll be fine. That's Bye. that's Have my okay. That's okay. Did you want me to give you a callback shortly? Are you happy just for me to run through the advice with you just to kinda yeah. run through the things I need to Yeah. touch on? Yeah? Yeah. Just go for it. Yeah. No problem. Easy. Not a problem at all. And before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Yep. Perfect. And just to do security there with you as well, I am discussing your personal information. So I'll just get you to confirm your full name, address, and date of birth. Sorry. Sarah Bethany Valen. '20 Yep. 1992. 20 Del Yep. Rio, Chris, San Antonio, Victoria 3966.","start_word":130,"end_word":309,"sentiment":"neutral","sentiment_score":0.08289238810539246},{"text":"Perfect. Thank you so much for that.","start_word":310,"end_word":316,"sentiment":"positive","sentiment_score":0.487004280090332},{"text":"And you just recently had a holiday.","start_word":317,"end_word":323,"sentiment":"neutral","sentiment_score":0.3066641688346863},{"text":"That would have been nice, a bit of downtime for you.","start_word":324,"end_word":334,"sentiment":"positive","sentiment_score":0.3452930748462677},{"text":"Yeah. Yeah. We're just away in Queensland. Perfect. A bit of time away, a bit of downtime to rest in my Cooper.","start_word":335,"end_word":356,"sentiment":"neutral","sentiment_score":0.0033294594084674663},{"text":"It's never a bad thing. That's right.","start_word":357,"end_word":363,"sentiment":"positive","sentiment_score":0.4104924499988556},{"text":"Yeah. No.","start_word":364,"end_word":365,"sentiment":"neutral","sentiment_score":0.2116953432559967},{"text":"All good.","start_word":366,"end_word":367,"sentiment":"positive","sentiment_score":0.41148242354393005},{"text":"So just to kinda touch on the things that I need to touch on with regards to the advice document there, the first part of the recommendations was to, obviously, retain Hub 24.","start_word":368,"end_word":400,"sentiment":"neutral","sentiment_score":0.09779637306928636},{"text":"Hub 24 is still a great platform there for you.","start_word":401,"end_word":410,"sentiment":"positive","sentiment_score":0.6336816549301147},{"text":"Having a look at the options out there, moving to other platforms does mean that we submit more in the way of CGT or capital gains consequences. So I am looking to retain Hub twenty four for the moment as the right platform there. But we did also talk about moving into the the estimate part of the separately managed account there. So we do have the exclusion on Benelon at the moment so that no more funds are invested in Benelon as per your instructions. But we do wanna sort of look at rechanging or altering the investment structure for you. So I am recommending as part of this advice document that we do move you into the SMA. And by doing that, we're actually moving you into a cheaper version of the Hub twenty four, which is called the Core. So hub twenty four has three different tiers to their platform. They have the cheapest tier, which has no admin fees and has a very few a very few investment options to choose from. They have the core, which has had a few more investment options in which we hold the SMA on. And then they have Choice, which is their more expensive version, has the higher admin fees.","start_word":411,"end_word":621,"sentiment":"neutral","sentiment_score":0.08605805039405823},{"text":"So what we'll be doing is moving you basically into the core product, which is reducing your administration fees by about $8 on a yearly basis there and moving you into that estimated separately managed account.","start_word":622,"end_word":657,"sentiment":"positive","sentiment_score":0.3488015830516815},{"text":"Now when I did go back and have a really good look in the advice document, and I'm truly transparent with this, is that you when we look at the last three year rolling average with regards to your current high growth portfolio versus the one we wanna move you into, There is a difference in the the last three rolling average returns. So we do know the SMA, over the last couple of years has performed a little bit less than the high growth product that you were in currently. However, we also know that I don't expect to get 16% on a yearly basis every year with the volatility that we are definitely seeing.","start_word":658,"end_word":773,"sentiment":"neutral","sentiment_score":-0.022425498620703303},{"text":"So the benefits of moving into that SMA product are that the return that we are seeing is probably a little bit closer to what we can expect you to receive. It is making the administration fees, the investment fees, and any other fees applicable to fund much cheaper, and we've also reduced your ongoing service fee as well to 1.1 for the twelve months. So, actually, by moving you into that product, you're getting a greater transparency. We're overall lowering the risk of of being in the market.","start_word":774,"end_word":862,"sentiment":"positive","sentiment_score":0.6387889385223389},{"text":"You also have the Oakview investment committee as well as the BlackRock Committee having a look at everything and making changes on a regular basis.","start_word":863,"end_word":887,"sentiment":"neutral","sentiment_score":0.3009413182735443},{"text":"So moving to the SMA is still a better option for you, lowering the risk, lowering the fees, which means you have more money invested.","start_word":888,"end_word":912,"sentiment":"positive","sentiment_score":0.4489089250564575},{"text":"It's more of a passively managed portfolio as well, and it is removing that along completely. So there's no actively managed managers in there. It helps to reduce the risk of your profile there.","start_word":913,"end_word":946,"sentiment":"neutral","sentiment_score":0.26197579503059387},{"text":"And over the longer term, we can see greater returns as well depending on how the markets react over time.","start_word":947,"end_word":966,"sentiment":"positive","sentiment_score":0.37833794951438904},{"text":"So one of the best things about the SMA is instead of us having to ring you and say, hey. We feel like the market's changing. This might need to happen or Better Long has been down over the last few months. We need to remove it out. Our managers can take those investments. They can maneuver them as the markets so as the markets are changing, as investments need to change. And then it's still important for us to review your risk level every year, have a look at where things might be changing there for you, and also, you know, make sure that we are updating your portfolio as we need to. Because I wouldn't expect you to be in a high growth environment right up until the day you retire. It's important that we do review that on a regular basis there as well. Does that make sense? Yeah.","start_word":967,"end_word":1118,"sentiment":"neutral","sentiment_score":0.08899713307619095},{"text":"That'd be good. Yep. Perfect.","start_word":1119,"end_word":1123,"sentiment":"positive","sentiment_score":0.6350354552268982},{"text":"With moving into the SMA and the core product, there are capital gains consequences for doing so. We do estimate the CGP for the move to be about $1,673. However, when I weighed up the difference in the the fees, essentially, over the first year in the table, you'll see in the document there, we're saving you about $872 in fees.","start_word":1124,"end_word":1184,"sentiment":"neutral","sentiment_score":0.32431989908218384},{"text":"So we can quite easily make that CDT back and get you moved into that product nice and easily, and then we'll keep reviewing it moving forward there for you.","start_word":1185,"end_word":1214,"sentiment":"positive","sentiment_score":0.65974360704422},{"text":"Okay? K.","start_word":1215,"end_word":1216,"sentiment":"neutral","sentiment_score":0.23222288489341736},{"text":"Perfect. One of the other things we did talk about was the making additional contributions to Super, and you were comfortable to start looking at doing so.","start_word":1217,"end_word":1243,"sentiment":"positive","sentiment_score":0.38094186782836914},{"text":"You were comfortable with about $50 on a fortnightly basis. So we are making a recommendation that you start that salary sacrifice in at the $50 per fortnight.","start_word":1244,"end_word":1271,"sentiment":"neutral","sentiment_score":0.31763625144958496},{"text":"Having more money put into super now does give you a greater advantage because you end up compounding over the longer term. Essentially, if you put $50 in now on a fortnightly basis and you're compounding that over the next twenty seven years towards your time, it has a greater effect on your super than if we start that ten years down the track there. So starting off small is never a bad idea as well. It kinda gets you comfortable to doing so.","start_word":1272,"end_word":1355,"sentiment":"positive","sentiment_score":0.4584274291992187},{"text":"Admittedly, moving more money into super does mean your take home pay reduces slightly as well.","start_word":1356,"end_word":1371,"sentiment":"neutral","sentiment_score":0.2511715292930603},{"text":"So it is important to maybe start doing that smaller, working your way up and and changing and altering that as your lifestyle changes as you're able to contribute more to super over the longer term.","start_word":1372,"end_word":1407,"sentiment":"positive","sentiment_score":0.45294466614723206},{"text":"Essentially, moving the money into super now inside super, it is only taxed at 15% instead of your marginal tax rate.","start_word":1408,"end_word":1428,"sentiment":"neutral","sentiment_score":0.2903292775154114},{"text":"And it is a pretax deduction as well, so it can have the effect of being able to reduce your income tax, which whilst it's only very small amount compared to being this is only $50 per fortnight. However, it can over the longer term if we look to increase that and make changes to your circumstances can have a greater effect down the track. And being taxed at 15% as opposed to your marginal tax rate means you've got more money invested compounding towards your retirement goals, which is more of an advantage there for you.","start_word":1429,"end_word":1525,"sentiment":"positive","sentiment_score":0.41596602379661246},{"text":"Does that make sense?","start_word":1526,"end_word":1529,"sentiment":"neutral","sentiment_score":0.22167225182056427},{"text":"Yeah. Perfect.","start_word":1530,"end_word":1531,"sentiment":"positive","sentiment_score":0.5090587139129639},{"text":"The other part of the recommendations was the insurance side of things. So we're looking to retain your life and TPD exactly as it is, but looking to increase your income protection benefit there.","start_word":1532,"end_word":1565,"sentiment":"neutral","sentiment_score":0.31155917048454285},{"text":"So increasing that up to the 70% of your current income, which means we increase that to a monthly benefit of 6,183.","start_word":1566,"end_word":1587,"sentiment":"positive","sentiment_score":0.3784155547618866},{"text":"We keep the thirty day wait and five year benefit period, so no changes there. It does expect or mean that we do expect the the sorry, total premium to increase. The first year's premium, we expect to be a total of 1,479. That is a little bit higher from where you were at the moment. Just going back to have a quick look at your current premium. Sorry. Current premium we had deducted was 1,238. So we're essentially increasing that a little bit more significantly and only really adding an sort of $200 onto the cost of the premium for the year.","start_word":1588,"end_word":1690,"sentiment":"neutral","sentiment_score":0.16542987525463104},{"text":"That's meaning that instead of having a monthly benefit of 4,797, which is a bit low for the income that you're on, you can claim up to that full 70% in the event that something was to happen there. The thirty day wait, I do like because you only have to be off work for thirty days, and that can have a greater benefit.","start_word":1691,"end_word":1754,"sentiment":"positive","sentiment_score":0.36234793066978455},{"text":"There are certain illnesses or injuries where you might only be off for thirty days, might be off for another, you know, thirty or sixty then go back to work. So it does actually mean that you can claim much sooner, putting less stress on your financial circumstances, but there's also instances where you can claim for extra illnesses or injuries that you might not be able to claim on if you had to wait that full sixty or ninety days there as well. Okay? Yeah. Can Yep. I just ask, Absolutely. is there, like so say if we if there's something related to, like, a pregnancy or something, like, say something good? Is that at all could not all at all be in conversation, Yes. or is that just, you know, say it's something say if you have a really difficult birth, or is that not related at all? So it really depends on what the circumstances is when it comes to pregnancy. They don't allow you to claim income protection just for to going on maternity leave and and being pregnant. However, if you were to, say, have a miscarriage and there was some sort of ongoing effect from that, then they can assess the claim based on the illness or injury that comes from, say, a miscarriage or an issue with your pregnancy. But if you're just on maternity leave, they don't allow you to claim for that.","start_word":1755,"end_word":1995,"sentiment":"neutral","sentiment_score":-0.07698655916818445},{"text":"So it's a hard question to answer. It just comes down to what the illness or injury is that was a result of the pregnancy or the miscarriage or something to do with it.","start_word":1996,"end_word":2029,"sentiment":"negative","sentiment_score":-0.36332160234451294},{"text":"I have seen people be able to claim in the past where they've had a miscarriage, and then their body hasn't really they've had ongoing issues and illnesses and and pain and things like that, and they've had to take extra time off work, and that has been claimed again. But then I've also seen where people have tried to claim for, you know, having a a a bad labor, having to be off for longer than their maternity leave, and they've not backed the claim. So it all just comes down to what what the injury or illness is and and how That's it stems for them to be able to look at doing that for you, if that makes sense.","start_word":2030,"end_word":2151,"sentiment":"neutral","sentiment_score":-0.21320399641990664},{"text":"It's a little bit hard to answer.","start_word":2152,"end_word":2158,"sentiment":"negative","sentiment_score":-0.36759498715400696},{"text":"Sorry. It's okay. a difficult one with pregnancy. I know that's it. Let me check. My friend just had a Yeah. really I'm so sorry. Yeah. It's not open. Alright. Thank you. Yeah. No. That's okay. It's it's a it's a bit of a difficult one, but, no, I'm so sorry your friends had a difficult bath.","start_word":2159,"end_word":2215,"sentiment":"neutral","sentiment_score":-0.19961823523044583},{"text":"I know pregnancy doesn't work for everyone the same way.","start_word":2216,"end_word":2225,"sentiment":"negative","sentiment_score":-0.3352692127227783},{"text":"I've I had difficult ones, and I also had easy ones. So it's definitely not not any not anything that we can kinda predict with how our body's gonna react to pregnancy.","start_word":2226,"end_word":2257,"sentiment":"neutral","sentiment_score":-0.19907616078853607},{"text":"Yeah. That's good. All good.","start_word":2258,"end_word":2262,"sentiment":"positive","sentiment_score":0.685152530670166},{"text":"Essentially, within so looking to increase that income protection component there for you, this advice document has been scoped solely around to the superannuation. The additional contributions there and the increase of income protection, we're not looking to apply for any additional cover over trauma or anything out of pocket at the moment. But if you are wanting to certainly have a look at that, please do let me know. We can definitely have more of a conversation and look at what your needs are in relation to any additional cover over and above what we have recommended already. It's important to know that when we are paying for insurances, because these insurances are paid out of your super, it does have an effect on your super. So as part of the review process, while we're moving into the SMA and trying to sort of make things a little bit more streamlined for you and get the best out of your super, it's important that we still do those reviews with you. We'll review your circumstances, what needs to change, whether the sales stack is working for you, how the investments have performed. Because if the estimate doesn't do what we need it to or doesn't work the same way, then we'll look at other options to kind of keep working towards your goals there. And, also, looking at the insurance premiums because they are stacked. As you get older, the risk of you making a claim increases, and those insurance premiums do get more expensive over time. So it is really important that we review that review that with you on a regular basis. I do apologize. You'll note in the documents that we have reduced your ongoing service fee for this year up to 1.1% from the 1.65%. Our head of advisers approved that to be reduced for the twelve months. It and your review time will review how things are working for you and whether we increase that back to the 1.65 or whether we're able to reduce keep it at that 1.1. And it's also really important that you're aware too there, Sarah, that we do receive remuneration from insurance companies for the recommendations we make. It is important to note that it's legislated across the board. So we actually don't it's standardized. It's 66% of the first year's insurance premiums and 22%, they're ongoing. Because it is standardized and legislated across the insurance industry, it means there's no conflict remuneration there. It means that we it doesn't have any effect in the recommendations. I recommended the increase solely with your current provider so that the increase is underwritten. So if there are any changes, the current policy doesn't have any effect. It doesn't change your current policy in any way. And by keeping it with Nios and just increasing that, you're only going through the underwriting process to the increase there.","start_word":2263,"end_word":2748,"sentiment":"neutral","sentiment_score":0.09205704358686144},{"text":"So it does make it a bit streamlined, a little bit easier, an underwriting process, and any changes to your health doesn't affect your current policy, which is really important.","start_word":2749,"end_word":2778,"sentiment":"positive","sentiment_score":0.37380123138427734},{"text":"Does that make sense? Yes. Yeah.","start_word":2779,"end_word":2784,"sentiment":"neutral","sentiment_score":0.2108888179063797},{"text":"Yeah. Perfect.","start_word":2785,"end_word":2786,"sentiment":"positive","sentiment_score":0.4741341471672058},{"text":"Do you have any questions? I've kind of touched on the things that I had to. Do you have any questions around any part of the document, any of the recommendations, or anything at all? No. I don't think so. I No. guess I'm That's just okay. the comparison. So is this investment returns like the recommended switch where where we've got Choice and Super Mhmm. actual and Core switching. Yep. Yep. These are all the differences between the fees and the adviser fees, net contribution. That's correct. Yeah. So the first one there, the current is what you're in at the moment with your administration fees, investment fees, any other fees applicable to membership fees and an underlying costs, the ongoing service fee that you have been paying at the moment, your contributions going in next. That's after the percent tax, but and doesn't take into account the increase in sales back, and then your current insurance premiums there as well. And then with the high growth portfolio, but showing the three year rolling average there because we weren't able to get the five year rolling average. But, I mean, when you have a look at that, I use projections as just a baseline to kind of look at this what's happening. That's why I'm honest and tell you that there is a difference in the three year rolling average between the current high growth portfolio to the OVF estimate blend. And, like, when I had a look, either the 2024 annual review, you actually returned 7%. Last year when we spoke, it was 7%, and the markets have taken a bit of a hit this year as well. So the portfolio report currently shows you've had an increase of about 4%. So I always take these as the rolling averages with a grain of salt and note that we're working on your super.","start_word":2787,"end_word":3101,"sentiment":"neutral","sentiment_score":0.10728289484977722},{"text":"We're working on things. So the fact that we're reducing your fees, increasing contributions in, hopefully, you get a pay rise there at some point you're deserving of that, That can actually have a greater long term effect on your super than just this three year rolling average because I know this three year rolling average should always be taken with a grain of salt.","start_word":3102,"end_word":3166,"sentiment":"positive","sentiment_score":0.3644520342350006},{"text":"You can safely say over the last couple of years, you've not received the 16.59% return every year, and I would not expect that to happen moving forward with the amount of volatility that we are seeing. So it's about looking at the other advantages. The 13.97% for the SMA is probably a little bit more logical. I still, again, don't expect you to get that every single year. What we're working towards is a building super at a steady rate on a regular basis and doing what we can to make sure that that continues.","start_word":3167,"end_word":3262,"sentiment":"neutral","sentiment_score":0.05391605198383331},{"text":"With a high growth portfolio, we're actually looking to try and get between eight to ten eight to 10% on a yearly basis, and keep that growing over time, and that's gonna have much more of an effect there.","start_word":3263,"end_word":3301,"sentiment":"positive","sentiment_score":0.4584173858165741},{"text":"So, it's just it's important that you sort of see that.","start_word":3302,"end_word":3312,"sentiment":"neutral","sentiment_score":0.1392192840576172},{"text":"I'm honest and open with the the difference in the three year rolling average, but also noting that we're also saving in fees by moving you into the cheaper products within hub twenty four.","start_word":3313,"end_word":3346,"sentiment":"positive","sentiment_score":0.4361218512058258},{"text":"And there's no not a lot of selling that I have to change or move you out of Superfund at all. It's just the form you sign, and in the back end, they'll just change it from the choice product to the core product, and then we can transfer all the investments over. Whenever we are moving investments, any investments between the choice and the core product when we're moving between the current high growth through the SMA, Hub twenty four will always do it in the most tax effective way. So they'll have a look at what you've owned for longer, where you've got you've owned for more than twelve months, what they can have discounts on, where they can benefit from losses to offset any gains to kinda minimize the CDT consequences of the moving. And they in specie transfer everything over, so we don't have to sell everything to move it over. The things that can be moved from the current portfolio into the estimate, they'll be added in specie transfer over, which can also help to minimize those gains. Okay. Yeah. Yeah.","start_word":3347,"end_word":3532,"sentiment":"neutral","sentiment_score":0.27889400720596313},{"text":"Perfect. In Easy.","start_word":3533,"end_word":3535,"sentiment":"positive","sentiment_score":0.4177962243556976},{"text":"this so it still remains. I'm just looking at page what page is this? 35 Mhmm. of confidential statement of advice. It Yep. kind of, like, a 105,000 because there's a dot after that is not a comma. It it is a million, isn't it? My life insurance and my TPD. It is. Yes. Sorry. That is a typo. Yeah. My apologies about that one. If you go up to that is a typo on that back page because they're, obviously, they're missing a zero. If you go up to page number 10, this does show it correctly at the current amount. So it is missing an extra zero there. Sorry about that. No. No. No. Okay. I just thought as long as it's not wrong. Okay. No. No. That's that's absolutely fine. So at the moment, you do have a million and 50,000 there. That is correct. And on page 10, it notes it correctly. And then I've also got down here on page number Right. Yeah. Yeah. sorry. The recommendations there is page 23. Yeah. That's also got it noted correctly for you. So do apologize about that slight typo there.","start_word":3536,"end_word":3728,"sentiment":"neutral","sentiment_score":0.011768184085931494},{"text":"I'm happy to go back and have that rectified and resend the documents too if you'd like us No.","start_word":3729,"end_word":3747,"sentiment":"positive","sentiment_score":0.4755735397338867},{"text":"I don't mind. As long as to. it That's okay. because it is Yeah. what it is. Yeah. Yeah. Yeah. No.","start_word":3748,"end_word":3768,"sentiment":"neutral","sentiment_score":0.130552276968956},{"text":"That's absolutely fine. That's not a problem at all.","start_word":3769,"end_word":3777,"sentiment":"positive","sentiment_score":0.5580804347991943},{"text":"Did you have any other questions about any of the advice or the recommendations or just anything in general? No. I don't think so. No. That's My like currently has an insurance a superannuation he's looking at. Yeah. Any options if we were to join or together? Like, obviously, he has his own super balance, but Yep. is there any, like I don't know. Like, combine you know, like, combined support options Yeah. or husband Yeah. and wife? Or Absolutely. So so this is your part your husband that you were talking about. I do apologize. The phone did sorta cut out a little bit. I'm so sorry. That's okay. If he is looking at getting some advice and maybe looking at super funds, we can absolutely look to help him if he'd like us to. Essentially, Yeah. if he just wanted to, what we could do, we can't join the super together. That's more of a self money super fund sort of structure, but we can look at if you were both to be in hub twenty four, we can do what's called a fee aggregator or a family fee aggregation. We're essentially linking the accounts together. It does mean you can both see each other's superannuation, so we just need to make sure you are both comfortable with that.","start_word":3778,"end_word":3998,"sentiment":"neutral","sentiment_score":0.04158182814717293},{"text":"But with the family fee aggregation, the more your balance grows, the more of a fee saving and administration fees you do get access to as well.","start_word":3999,"end_word":4025,"sentiment":"positive","sentiment_score":0.4808111786842346},{"text":"And we do have a coupling fee. So if you do decide to bring your husband on and he signs on as part of a as being a client, he does also get me as the adviser.","start_word":4026,"end_word":4062,"sentiment":"neutral","sentiment_score":0.3282437324523926},{"text":"But it also means that we keep your ongoing service fee down at 1.1, and he benefits from that as well. And if you refer him on and he does sign on, you do also get a $100 gift card for the referrals. So if that's something you guys would like to to look at, I'm more than happy to do so. I'd essentially go through the process of looking at the research with him, looking at what his goals are, tailoring advice to his needs and what he's after, and then we if he decides he's happy with the advice coming on as a client, and then we can kinda link everything together for you.","start_word":4063,"end_word":4178,"sentiment":"positive","sentiment_score":0.5340656042098999},{"text":"Yeah. Okay. That's Yeah. of course. Yeah.","start_word":4179,"end_word":4185,"sentiment":"neutral","sentiment_score":0.25341907143592834},{"text":"Feel free to have a chat to him about it. If he wants to just have a general chat with me first, I can absolutely organize that to look about what we do, how things work, how advice works, and then we can always, you know, do do the research with him. I am very honest and open.","start_word":4186,"end_word":4243,"sentiment":"positive","sentiment_score":0.4187728762626648},{"text":"So if there's a point we're not able to help him or if it's not viable or it's not in his best interest, I will be really honest and let him know that. So that's one thing I do pride myself on is the honesty and making sure that if it's not in his best interest, if he's better to stay where he is, that we'll recommend that for him.","start_word":4244,"end_word":4313,"sentiment":"neutral","sentiment_score":0.18774326145648956},{"text":"But I'm happy to have that conversation, happy to talk about how advice works, what we do, and how we can help him assess his goals fully and do all the research, and then kind of come up with a a tailored advice piece for him to show him what we can do to help him meet his goals and where he might be tracking and, you know, what we can definitely do to help. Sounds good. Alright. Thank Yeah. you.","start_word":4314,"end_word":4394,"sentiment":"positive","sentiment_score":0.7067795991897583},{"text":"That's okay. Did you wanna have it in touch to him first and let us know what you sort of wanted Yeah. to do, Sarah, if he's interested? Yeah.","start_word":4395,"end_word":4423,"sentiment":"neutral","sentiment_score":0.1483559012413025},{"text":"Perfect.","start_word":4424,"end_word":4424,"sentiment":"positive","sentiment_score":0.4067947268486023},{"text":"Yeah. It's like a Super Balance. So he's been on work cover the last, I don't know, three years. And Mhmm. he's only just started they've only just started paying his super balance, and it was previously paid out with his TPD claim. Okay. So I'm not really sure if he'll even have enough, but it was more is there, like, a certain balance that that you wouldn't bother kind of helping until it reaches a certain amount, like, whether it would be worth it or not? It really depends. Most of the platforms do prefer at least, say, 20 to $30,000 balance. Hub twenty four prefer a $50,000 balance to begin with, but it also depends on the other circumstances. So you mentioned he was on work cover for the last three years. Is he back, like, starting to work again? Is he earning an income? No. He's still well, he was previously on income protection and Yep. then WorkCover took over. So, yeah, he is looking for work, but Okay. he has started working yet. But there was a there was something about the laws in WorkCover, and they started paying his super balance from a certain date. So Yep. he picked a superannuation fund, so he just picked Mhmm. one and just went Okay. with that. But Right. he doesn't have like, I asked him yesterday, he doesn't have, like, TPD and he doesn't have income protection.","start_word":4425,"end_word":4664,"sentiment":"neutral","sentiment_score":-0.04149689973176767},{"text":"He doesn't have any of it.","start_word":4665,"end_word":4670,"sentiment":"negative","sentiment_score":-0.37462833523750305},{"text":"So Yeah. I asked him to, like, look into that and sign up and sort it all out, but I just wanted him to so he's gonna work out the fees and all that related to Mhmm. that. Then I thought that he should probably chat to somebody else and see if there's another option for him or tailored a little Yeah. more towards his needs because Yeah.","start_word":4671,"end_word":4738,"sentiment":"neutral","sentiment_score":-0.026627710089087486},{"text":"he's back again with his super balance.","start_word":4739,"end_word":4745,"sentiment":"positive","sentiment_score":0.39908504486083984},{"text":"Yeah. No. That's understandable. I mean, the other option is if if we can't help you, if it's preferable, I can even just do up strategy paper, which is obviously fully complimentary. And that kinda gives him an idea of what industry fund can work for him, what the fees look like, how it sort of looks in a strategy paper is whilst it's not personal advice. It's more just sort of this is what your goal is. Obviously, our services might not be right for you. However, this is what we're suggesting you probably do in this circumstance to help you along.","start_word":4746,"end_word":4848,"sentiment":"neutral","sentiment_score":0.17966073751449585},{"text":"So I can absolutely do that as well.","start_word":4849,"end_word":4856,"sentiment":"positive","sentiment_score":0.5611727237701416},{"text":"With the the fact that he's not working, we would wanna make sure to get value out of our services.","start_word":4857,"end_word":4876,"sentiment":"neutral","sentiment_score":0.30815279483795166},{"text":"Making contributions is definitely an important aspect there.","start_word":4877,"end_word":4884,"sentiment":"positive","sentiment_score":0.4849696755409241},{"text":"So whilst he's not working, I would have to look at whether paying out ongoing service fee is gonna be of a of a benefit to him or whether staying in an industry fund for a shorter period of time might be a bigger benefit. But I look at all those options for you as well. You mentioned that he has been on a TPD claim in the past. So if he has claimed TPD in the past, getting disability cover moving forward is gonna be very difficult. Generally, once you've had a claim in the past, they don't wanna re reinsure you with disability for income protection or TBD. But that is still something I can absolutely look at. I would just wanna get some more information around what the claim was, the injury, the illness, and and I can go out to all the insurers and have a really good look at what the options might be available to him. Often, he probably still can get a bit of life depending on what you're after and maybe some trauma if he's happy paying for insurance out of pocket. But it just comes down to what the injury or the illness was that caused him to claim on disability in the past.","start_word":4885,"end_word":5097,"sentiment":"neutral","sentiment_score":0.03446885282304925},{"text":"So but all of those are these things I can absolutely do, and I'm happy to do the research for him. It's not a problem at all. So feel free to have a chat to him, talk about what we do. And if he wants to just talk to me before going through the process, I can absolutely help with that as well.","start_word":5098,"end_word":5160,"sentiment":"positive","sentiment_score":0.524558424949646},{"text":"Okay.","start_word":5161,"end_word":5161,"sentiment":"neutral","sentiment_score":0.2744258642196655},{"text":"Oh, that'd be really cool. Okay. Thank Yeah. you. That's okay. That's not a problem at all.","start_word":5162,"end_word":5178,"sentiment":"positive","sentiment_score":0.4073638916015625},{"text":"Yeah. Okay.","start_word":5179,"end_word":5180,"sentiment":"neutral","sentiment_score":0.25928163528442383},{"text":"Perfect.","start_word":5181,"end_word":5181,"sentiment":"positive","sentiment_score":0.37418657541275024},{"text":"Well yeah. Are you So saying have I already signed that? I can't remember. No. No. That's okay. We were having this conversation first, and then you were gonna go back and have a bit of a look at it again. If you're comfortable moving forward, I'll get you to sign that one. It does have your annual review documents attached as well. I wanted to sort of send everything out to you together. So it's got the quote to show the increase of the income protection, the ongoing service agreement for the next twelve months there as well with the reduction in the fees. And I've added a whole bunch of documents, the financial services guide into the email as well that you're welcome to review.","start_word":5182,"end_word":5308,"sentiment":"neutral","sentiment_score":0.22641082108020785},{"text":"It has my lovely photo and all the information about me, and you can even show that to your partner.","start_word":5309,"end_word":5328,"sentiment":"positive","sentiment_score":0.4400467574596405},{"text":"Kinda let him see all the information about the financial services guide, who we are, what we do, how we do it to give him a bit of an idea of, you know, who advisers are. But feel free to run your eyes over those documents. If you have any questions, let me know. The one document that is a bit different to all the others is the tax file opt in form. So because we do have your tax file number on file, we do need to just sign this authority, letting you know that we do hold it.","start_word":5329,"end_word":5428,"sentiment":"neutral","sentiment_score":0.16011417880654336},{"text":"It is safe and secure.","start_word":5429,"end_word":5433,"sentiment":"positive","sentiment_score":0.377135157585144},{"text":"We do protect your identity, but we do wanna update the authority just making sure you're aware we do hold it explaining how we hold that. And we also do a lost super search on a regular basis as well. So we have that document attached for you to sign. We'll go back to the ATO to see if there's any money out in the ether anywhere and see what we can find, if we can find anything else to help you along as well. Okay? Mhmm.","start_word":5434,"end_word":5520,"sentiment":"neutral","sentiment_score":0.20039232075214383},{"text":"Sounds good. Perfect. Perfect.","start_word":5521,"end_word":5524,"sentiment":"positive","sentiment_score":0.5801867246627808},{"text":"Okay. So you'll find there's a few documents attached. Feel free to run your eyes through any of those. If you have any questions, let me know. If you're happy to take on all the recommendations, we'll just get you to sign and return it back there for me. If there are any changes on the last page of the advice document, we do have a text box where you can write if you there's anything you don't wish to undertake or any part of the advice you don't wish to proceed with, which is completely fine. And if you're happy if it asks you to sign that text box regardless, just put NA if there's no changes if you're happy to take on all of the advice, if that helps. Okay. Yeah. And in these bottom pages, it's talking about projection quote our protection quote projection. Is that Yep. just an estimated what's a n d premium? So yeah. So that's essentially the the projection of how Neo see the the annualized and the cumulative premiums projected over time. So this is why it's really important that we review things with you. So it's basically looking at year one is, like, from now, the expected annualized premium. You'll see the first premium, $17.39 94. That's how much the insurance company receives. You'll only pay what's in that table at the above there, which is about $1,400. So you get a bit of a discount, a 58 percent discount for paying for your insurances out of super. It's because of the taxation inside super. They give you a rebate. Yes. But this is sort of showing you that over the course of the next sort of ten odd years, how they expect the insurance premiums to increase over time, and they do get more and more expensive as you get older. So that's why we wanna keep looking at what your level of cover is. If you're if you're if you need less cover, we wanna start reducing that. Realistically, the idea is you start with a higher level of cover. Now you have a higher mortgage and a lower super balance. But as your super balance increases significantly, as you reduce your debt level, we should be able to start reducing your cover down so you pay less and less and less. If we can't reduce your cover down as your insurances do accumulate and the risk of you making a claim increases, your insurance premiums actually increase in the cost of how much they're gonna cost you over time. So, generally, by the time we get into our fifties, they're actually very expensive premiums. So this isn't too bad. This sort of shows that in the next ten years, it probably goes up by about $2, which isn't too bad. And we wanna make sure your super is still working by that, but we don't wanna we don't wanna eat away all of your super with your insurance premium. So it's about making sure you've got the right level of cover so that your super is still working hard for you as well, and that's why the reviews are really important. Yes. That makes sense. Yeah. Yeah.","start_word":5525,"end_word":6063,"sentiment":"neutral","sentiment_score":0.069442410630231},{"text":"Perfect. Amazing.","start_word":6064,"end_word":6065,"sentiment":"positive","sentiment_score":0.5476070642471313},{"text":"Well yes. And Okay. This is a yeah.","start_word":6066,"end_word":6073,"sentiment":"neutral","sentiment_score":0.2769913375377655},{"text":"good time.","start_word":6074,"end_word":6075,"sentiment":"positive","sentiment_score":0.38202330470085144},{"text":"And yep. Is it is Perfect. it I was you're right. Sorry. I was just gonna answer the question. So you also asked me what a and b stands for. It's age next birthday. I do apologize. I missed answering that question for okay? you. Oh, that's it.","start_word":6076,"end_word":6123,"sentiment":"neutral","sentiment_score":0.04883182165212929},{"text":"All good. Perfect.","start_word":6124,"end_word":6126,"sentiment":"positive","sentiment_score":0.5242772102355957},{"text":"So is it just this one that you need Yep. signed? Yeah. So if you're happy to go ahead with that, just press the sign button. It'll take you through to all automatically help you.","start_word":6127,"end_word":6161,"sentiment":"neutral","sentiment_score":0.15440988540649414},{"text":"Oh, that's great. Alright. Yeah. Thank you. Perfect. And thanks so much for your help. We appreciate Oh, it. not a problem at all, Sarah. I really enjoyed putting this together for you.","start_word":6162,"end_word":6194,"sentiment":"positive","sentiment_score":0.6529407501220703},{"text":"I do apologize.","start_word":6195,"end_word":6197,"sentiment":"neutral","sentiment_score":0.12263669073581696},{"text":"It took a little bit longer to kinda get it all out, but I wanna make sure moving forward, things are working harder for you. And I'm glad you enjoyed your holiday. Yeah. Yeah. That's good. Thanks. Yeah. Not a problem at all.","start_word":6198,"end_word":6240,"sentiment":"positive","sentiment_score":0.4816664159297943},{"text":"Let me know if there's any questions you have at any time. You've got my email. Always make time to touch base if you need me to as well. Okay?","start_word":6241,"end_word":6270,"sentiment":"neutral","sentiment_score":0.2951192855834961},{"text":"Thanks for that. See you. My pleasure. Thanks, Sarah. See you later.","start_word":6271,"end_word":6282,"sentiment":"positive","sentiment_score":0.6571658253669739},{"text":"Bye.","start_word":6283,"end_word":6283,"sentiment":"neutral","sentiment_score":0.3026576638221741}],"average":{"sentiment":"neutral","sentiment_score":0.160041943799268}}}}