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Is now still a good time there for you? Fantastic. How is everything going at home at the moment? Yes? Absolutely. Oh, good. Good. Everyone's settling in nicely. Oh, fantastic. That is absolutely fantastic. Matthew, do you happen to have access to your emails at the moment as well? Yep. Perfect. What I'm gonna do send through an email with the updated statement of advice. If you wanted to let me know when that one comes through and open the document there, you'll be able to run through that one with me so you get a bit of an understanding of what I'm looking at. Okay? Perfect. I've just sent the email through to you there. Now just confirming I'm sending it through to matthewhua@1992atgmail.com. Beautiful. And just to confirm, moving forward, I do record our calls for quality and training You're happy for me to proceed with that? Lovely. And just to do security there with you as well, I'll just confirm your full name, date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. I've sent that email through. Hopefully, it pops through fairly quickly there for you. Just let me know if it does you that was excellent. I've had some a couple of clients recently had trouble getting the emails coming through, so I'm glad yours came through nice and quickly there for you. If you open that one up, it'll ask you to it doesn't ask you to agree and accept anymore. It does just have, like, a little sign button. You press that, and then it lets you go forward so you can see the document. I will never ask you to sign anything you haven't read, but it does let you scroll through that document there. Okay? Perfect. Lovely. Thank you for that. Now having a look at the document there as on the front page, it should definitely, sorry, state statement of advice prepared for yourself as of the 02/25/2026. That's when we completed the document for you. Authorized representative for me myself registered with ASIC is 1304394. That's on the bottom of the document there for you. Okay? Now as you are scrolling through this one, Matthew, on the next page, it does note the best interest, Judy. It's just letting you know that any advice we do provide does need to be provided in your best interest, essentially. We make sure we go through the process we do of understanding your goals and objectives and making sure that, you know, any advice we are providing is that it'll help you meet your goals moving forward. But it's really important to know that best interest is also changing as well. So your goals will change. You've got a lot of years before you're able to access super and retire, so your goals will continuously change. Therefore, the advice needs to alter and change with it as your as your life changes. Okay? Perfect. If you scroll down to page number three for me, you'll see the heading noted there the scope of advice. So this is just noting out the areas that we have scoped in for the statement of advice. We're looking at areas of superannuation. Now when we sorta had spoken last time, you wanted to look at maybe moving into more of a high growth profile for your super, just making sure you're taking a bit more risk in the market to try and obtain those greater potential returns moving forward. You do have a lot of years ahead of you. You're still very young. So we can take a bit more risk in the market to try and get those greater potential returns now so that we can sort of pull back in the future there as well. Okay? We have obviously seen some changes in the market there as well, so I have had a look at the portfolios and just made sure that you are invested correctly and also made some changes to some of the investments in the within the investment profile as well. Okay? We're also looking the insurance side of things. So now that you've had your second child, very exciting news for you, you wanted to look at just getting some life and TBD. You were comfortable with it about 250,000 of life and TPD. So I've gone out there and done the research, looked at the different insurers, what they offer, and made a recommendation for you for that. Okay? And then, also, make sure we scoping the estate planning side of things and making sure in the event that you were to pass away, touch wood, nothing ever happens. But in the unless the event that this was to happen prematurely, that your family are covered making sure your beneficiary nominations are up to date so your partner could take care of your kids moving forward. Okay? Perfect. The next page outlines the areas that we're not looking at at the moment. So we're not looking at areas of income protection or trauma. You were comfortable just with the insurance side of things. We're looking at life and TPD only. We can always come back in the future and talk about the income protection and the trauma side of things. However, it does sort of leave you with the risk of not being covered or not having adequate cover in the event of being unable to go to work in a shorter term due to illness or injury or with trauma not being able to claim that lump sum tax refund if it in the event a traumatic diagnosis is made. Okay? One of the other things we did kinda talk about down the track was the possibility of maybe opening yourself any super funds. So we have scoped out for now. We're just looking to build your super for the moment. However, down the track, it was something you were maybe looking to look into. Okay? Yeah. That's absolutely okay. The next page outlines the limited advice. So it's just letting you know that I'm not a a lawyer, so we don't draft wills for you. However, in the event of you requiring the assistance of a solicitor to draft a will, we can definitely refer you on. It's also important that we look at personal insurance products, so things like life, TPD, income protection, trauma insurances. We don't provide advice around general insurance products. That's things like motor home, housing contents, business liability insurance, things like that. We can refer you to a general insurance broker should you need those sort of insurance options. And under the Better Advice Act 2021, I am a relevant tax provider. That essentially means I'm authorized to provide tax financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your tax for you. If you did require the assistance of an accountant on the track, we can always refer you through to one. Okay? Perfect. On the bottom of that page, it outlines essentially the start of the recommendations, but I'll take you a bit lower and I'll take you through those in a bit more detail there. Okay? On the next page is the about you section there, Matthew. Can you just run your eyes over that for me? Just let me know if there's been any major changes to any of those details that we should have noted for you. Yep. Perfect. No major pay rise. I was hoping that your income had gone up a little bit since then, but, no, not yet. Yeah. Yep. Yep. No. That's okay. Not a problem at all. I can always make a note here that this is what we've got your income noted at, but that you generally do get 25,000 per quarter to kind of make it up. Okay? Per annum. So sorry. No. That's okay. So 25,000 per annum in commissions is it was expected. Yep. Perfect. Not a problem at all. I'll make a note of that one for you as well. Absolutely. On the next page, we do have your assets and liabilities noted as per our last conversation. I know some of those may have changed since we last spoke. Are there any major changes you would like to have updated? Keeping in mind that, no, with the changes made here, nothing really affects the advice in any negative way, but I'm more than happy to update anything on the back end for you if you would like me to. That's all good. Yes. Yeah. That's correct. Yeah. Yep. That's okay. Not a problem at all. Yep. Beautiful. On the next page there, we do have the risk profile outlined. So you did score as a growth investor and were in that growth portfolio. You wanted to look at going a bit more high growth to try and get some greater potential returns and keep that compounding, working towards your retirement there. So this outlines a little bit about the high growth environment that you can see. Okay? Essentially, the next page, there is a strategy recommendation. So what I'll do is I'll start to take you through these to make it easier. The first one there is that we are recommending that you do retain your Hub twenty four super account. So I did have a look at all the options for super. Hub twenty four has been working great for you. There's been no major changes that really reflects us requiring to make any changes there. And because we were looking at a high growth portfolio and wanting to sort of take on a little bit more risk there, if we had made a recommendation to alter and move you to a different platform, it would require a full sell down. So retaining hub twenty four essentially means that we can alter the portfolio. The investments we need to be able to invest in are available there, and it means we don't have to sell down all of your investment assets, which can save you on CGT. We can just sell partial or what we need to. And if we do alter portfolios, we can often try to increase and transfer what we can as well. So pertaining hub twenty four worked out more cost effective for you. Okay. There is. Yes. Yes. So your your super fund, just like you do, your super fund does a tax return every single year. So when we do buy and sell assets and make changes to your investment portfolio, there is definitely capital gains tax, and your super fund makes discount at that. Yeah. That's exactly right. Yeah. Now we are recommending that you do move into the updated Q Financial number six high growth portfolio there. We have noted that with not sure if we spoke about it before, but in early January when we sort of touched base, there had been some changes to some of the investments and the way the markets were reacting. Then along Australian equities, which was in your original portfolio, has been underperforming. So we have made a decision to remove that from the portfolios and look at moving you into something else. Because you are still quite young, you've got a bit of time ahead of you, you are still able to have that active management in your sort of portfolio. So I am recommending that whilst we are moving you with a high growth portfolio there, that we remove them along from that. We're selling all of that and replacing it with the Affinity Australian Share Fund. It's essentially making sure that you still got that active manager in your portfolio, that you can get those greater potential returns moving forward. It's still giving you access to the Australian equities portion. However, the Affinity, fund is actually a little bit cheaper than Bennelong was, and they tend to hold a few more investments over Bennelong. So they can also make it a little bit more give you more diversification essentially whilst making the investments a bit cheaper, which is a benefit for you as well. Okay? Perfect. We are recommending that you do continue all contributions to go into the hub twenty four funds, so no changes there for you at all. Okay? With all the recommendations, as I kinda mentioned before, we do make sure they are in your best interest. So with regard to all the recommendations on these pages, you will see a best interest statement there. So, essentially, this is in your best interest because replacing the underperforming investments allows you to retain and remain invested in the portfolio that is aligned with your risk profile, Removing those underperforming assets and replacing with something that has such generated potential return can help you long term whilst maintaining a level of risk that is consistent with your goals and objectives there. Maintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well. So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well. Okay? Underneath that, you'll see the advantages, the disadvantages, and the risks involved. I'll let you go back and have a bit of a read through these later. But, essentially, as I've kind of gone through making sure retaining hub twenty four can limit the CGT consequences, removing that along and placing it with Affinity still gives you access to an actively managed investment given you're young and still have a lot of time ahead of you. The recommended portfolio we are popping you into has has seen greater greater past performance than what their current one is. So we can, if the markets perform the same way or do better, see it puts you in a better position moving forward there as well. Okay? Yeah. Yes. Yeah. Yeah. Absolutely. What I'll get you to do is if you scroll down to page number 17 for you, I can actually show you what that looks like. Yeah. That's okay. Perfect. So you'll see here we've got your current table, which shows your current investment portfolio, the amount you have in super there, and the administration fees, investment fees, and any other fees applicable to the account. You've got your ongoing service fee for us looking after everything for you and your contributions going in there as well. Underneath that, you do also have you in a growth portfolio, and it was showing the three year rolling average there. We've had to use the three year as some investments haven't given us a five year rolling average, but it's averaged about 14.56%. With the high growth portfolio that we wanna move you into, you will see a difference in the balance starting at the top, and that's the $892. That's just the ADT consequences for making those changes there. Okay? So starting balance would come down a little bit due to the CDT once we complete the investment switch. There's no change to the administration fees, but we do work out in having a look at the newer portfolio. It is saving you for the first year about a $143 in investment fees and no changes to any other fees applicable to the fund there. You do notice the ongoing service fee does increase a little bit as we expect growth in the funds. So our ongoing service fee is 1.65% and alters with the performance of the portfolio there. Okay? And then your contributions. And I've also got there the insurance premium. So one thing we are factoring into the advice is the life and CBD component. They will be paid out as super, so the insurance premium's there as well showing you the effect. With the high growth portfolio, it has seen with it utilizing the three year rolling average a greater potential return. So it has, over the past three years, have averaged about a 17.01% return. Now I definitely don't think you're gonna get 17% every year moving forward, but if the markets do perform the way they have over the past, if the portfolio performs the way it has, you could see yourself over the next ten years increase your super balance up to about 900,144 as you'll see a little bit below there. Okay. Yeah. I see. So that's okay. So the advantages are that this portfolio has performed greater over the past. It is saving you in the way of investment fees a bit. So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you. It is limiting the CDT. So the CDT has been reduced down to about 892, which is really important to try and reduce as much as possible. And we can see, so long as things work the same way, that it can provide greater potential growth in the future for you. Okay? That's okay. On the next page there, it does also note the twelve and three year performance of the two different portfolios just so you can kinda see the difference there as well. Okay? Perfect. If you scroll back up for me, just the page number 16, this is just outlining essentially the risk profile with the existing and the proposed. So as I kinda went through at the moment, you are in more of a growth portfolio, which generally sees about 80% of your super invested in growth assets. So things like Australian shares, international shares. We don't really have a lot of property in our portfolios, but alternatives like gold and silver as well. And then you would generally see around about 20% in defensive investments, so things like fixed interest, defensive alternatives, and also cash investments there as well. With your existing portfolio, you're actually 88.55% in those growth investments and showing 11.45% in those defensive investments. With the portfolio that was just kinda gone through there, you essentially see about 91.84% in those growth investments. So you're increasing the growth side of things and decreasing the defensive side there. The growth investments are taking on a bit more risk, but you wanna get greater potential returns there as well, and then reducing the defensive investments down to about 8.16. Okay? If you wanted to see what the investment portfolio looked like, if you go back up one more page there for me to the investment side of things, you'll actually see all the individual investments that we are looking at there. So when we're kinda looking at the buyers and sales, which is the one, two, three, four, fifth column along, you'll actually see there that we're sort of selling the bank hybrids there. We're selling the the agriculture. We're keep we're keeping some of the physical gold, but just kinda rebalancing it down a little bit there for you. We're also buying into some cybersecurity, keeping and just rebalancing the S and P 500 to keep you balanced and in line with that grace high growth portfolio. We're also selling some of the Raffy 200, but keeping it, you'll still still have about 15% in that once we complete the rebalance then. We're getting rid of all of the Bannalongs, so you'll have no Bannalong left in the portfolio. And then with the ClearBridge infrastructure fund, completely getting rid of that as well. And then also rebalancing and keeping some of the India investment. On the next page there, the global shares, all the rebalancing. So we are buying into that one. You have about 7% in there. Alphinity, you'll see 10% invested in there once we complete the buy of that one, and that's replacing the Benelon that we are selling all of. And then you'll still also have 15% of the JPMorgan Research enhanced equity fund. And then also within the portfolio, you do have about 1.25% in hub 24 in cash, which has to remain there to kind of cover the cost of ongoing expenses like administration fees and our ongoing service fees and things like that. So you'll see once we've kinda completed the rebalance, at the end of it, you'll end up with having some of the bank hybrids there, just a small component around 7% for defensive investments, some physical gold with which is a growth asset, but it also works defensively at certain times. And with the volatility we are seeing at the moment, having some physical gold in there is always a benefit. Some cybersecurity will be in there as well. Having about 7% there is more of a thematic kind of ETF investment, so you're wanting to branch out to try and get greater growth. And cybersecurity, whilst having some ups and downs, is still a very big player in the market. And moving forward, the governments are putting a lot of money into cybersecurity in areas like that. The S and P 500, it's more one of your standard sort of core investments in the portfolio. We would see about 25% invested in there. Whilst the markets in The US and Australia have seen lots of ups and downs at the moment, they are still good to hold. We wanna make sure we're holding through that. And one of the benefits of the S and P 500 is that whilst you're looking at the top 500 companies in The US, they have to they the companies have to meet a certain criteria. So the index actually looks at what companies are in the S and P 500 every quarter, and if they no longer meet that criteria, they get removed and replaced with something else. So you are always invested in the 500 companies in The US. And as much as The US is seeing a lot of volatility and as is the straight equities at the moment, over the course of the you know, when you look at over time over ten, twenty, or thirty years, staying invested in The US still does provide great returns. Okay? Does that make sense? Perfect. We've also got the beta shares Rafi 200 there. You'll see about 15% invested in that. That, again, is another one of those good core investments to hold. Australian equities, again, have seen great potential returns over the past couple of years. They are seeing a bit of volatility at the moment because we do tend to follow suit when it comes to The US. However, it is really important to still hold some Australian equities in there. We're getting rid of the Banda Long and the ClearBridge so that will have none invested. The India will be about 7%. So, again, this is more of a thematic kind of investment. We're looking at some of the top country companies within the Indian market, and they have seen some good growth over the past couple of years. We've got the global health care. So giving you access to global health care. Health care since COVID has been one of those big spots, and this is not just looking at doctors' offices and things. This is looking at, like, cybersecurity within health care. It's looking at the technology side of things within health care. So there are a lot of advantages and changes coming to the health care sector with the robotics and the IT side of things. So this is also encompassing some of those sorts of areas for you as well. And then you would also see about 10% in the Affinity Share Funds. So giving you a bit of an actively managed component, we wanna make sure we review this with you on a regular basis. So if this investment does need to be moved in the future, that we're able to remove that for you and alter your portfolio. And then the JPMorgan Global Enhanced Research in equity fund, this is looking at they utilize JPMorgan's research team, and they're looking at investments globally in areas of great growth. So it's giving you a little bit of a little bit of active management in there. If only a small portion actively managed, but they are looking at globally. So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good. And then, obviously, the to help you do that is really good. And then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out. You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system. So they have, like, a set time of the month where they go through, and they might buy and sell certain investments. It's kind of a cash run. It's making sure they do top up the cash in your super fund, or if you have too much, they'll start to buy into some investments. That way, you don't have too much sitting there. So that does happen around about the twentieth of every month. Okay? Perfect. Do you have any questions about any of that so far? No? Perfect. Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you. So beautiful. So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there. I have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich. So Zurich are one of Australia's largest insurers. They have been around for a really long time, and they offered the best rate available to you. Essentially, for the first year's premium to be deducted from your super fund for the recommended amount of cover, it's just gonna cost about a $190.01, so very cheap to have that license TBD. Essentially, underneath that, you'll see the amount of 223 and 54¢ there. That's how much the insurer actually receives the premium. You get a bit of a 15% rebate or a discount on the policy, so you'll only pay the $1.90 out of your super fund for the best year. Underneath that, you've got your best interest, Judy. So the amount of cover recommended is in in line with what you wanted, and we'll review that with you regularly to make sure it stays in line with what you're after. You do need to go through, essentially, an application. So they will look at your health. There's nothing that was really flagged with anything that we spoke about to to note that it could be any loadings or exclusions. But if there is anything that comes out in the application, there could be loadings or exclusions applied to the policy. Well, it's all good. When you do go through the application with my colleague, Jack, he'll probably flag it with me if there's anything that we need to maybe review. But when you and I spoke last time, there was nothing of concern that really showed us there was gonna be anything on the on the policy as a loading or exclusion. It gives you that level of cover in the event that something was to happen. And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released. So it makes sure your family gets an extra benefit with the life cover. Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well. Okay? Perfect. On the next page there, one of the important things to kinda note is that when you are paying for the insurance premiums out of super, it does have an effect. And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns it has received. You'll see that we've got the same table again, but at the very end, it's got the no insurance option. So, essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much. However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment. Okay? Perfect. Yeah. Beautiful. The advantages, disadvantages, and the risks involved are also noted out there for you as well. So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover. So every year that you do happen to keep the cover in place, you don't have to reapply or anything. The insurances are just renewed each year. Increasing claims, essentially, if you're on a claim, it can obviously make sure that that the claim is paid out along with c p CPI. And we have what's called a last buyback option here as well. So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy. It essentially means that in the event of a claim for TPD, your TPD payment is paid out. And then because we have attached the policy to your life, it does actually wipe your life policy out. So by having the life buyback option, it means that after your TBD claim, within about twelve months, your life policy is reinstated at the preclaim amount, and then you're able to claim back on that policy again. By structuring this way, as much as we know that when the TBD claim happens, it does wipe your life out for the time being, that twelve months. It's actually a more cost effective way of structuring it. If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying. So by structuring the policies this way, we're getting the multi policy discount. We're making the premiums much cheaper for you, but also making sure that you have access to claim on both of those in the event that something was to happen. Okay? That's Yeah. Yeah. Well, the way it sort of normally works is that you would normally start by claiming on the TPD first, and then once you've sort of survived the TPD that you're still going, if it was terminal or if you were to pass away after the twelve months, then we can claim on the life as well. You don't yeah. But if you were to pass away, we only claim on the life side of things. We don't claim on the TBD. Does that make sense? Yep. Perfect. All good. I'll let you go back and have a bit more of a read through all of those options later as well. Just let me know if you do have any questions in relation to anything there. The last sort of yeah. Beautiful. The last part of the recommendations there is to make sure that your beneficiaries are applied On your last cover with Zurich, applying a beneficiary for a 100% to your partner, Maria, making sure that in the event of passing that everything is paid out to her, and we're making sure that on your super fund, again, that you have a nonbinding lapsing sorry. A non lapsing binding nomination again to Maria just to make sure that if anything was to happen, that the claim could be made. The funds are paid out to her so she can continue to look after your family moving forward. Okay? Yeah. Beautiful. Underneath that, I've also made the recommendations that to serve a will and make sure power of attorneys are in place as well. I always sort of suggest if you have a local solicitor you're comfortable talking to to maybe meet with them and have a will and a power of attorney drawn up, especially now as you do have your two kids there. You're wanting to make sure that in the event that something happens that, you know, your t's are crossed in your i's, the daughter, that your family are protected. Having the beneficiaries in place looks after your life cover and your super, but there's also all those other assets that you do hold outside of super, like your home, any investments you might have, your cars, your caravans, all of your belongings and your savings accounts and things like that. So all of those sorts of things still also need to be accounted for in the future and looked after to make sure they're distributed as per your wishes. Okay? Yeah. Yeah. Yeah. It's amazing when having another child and things changing a little bit. It does make you think a bit more about that side of things, doesn't it? Yeah. No. Beautiful. The only other thing to sort of make mention there for you, Matthew, is that when we do look at insurances, we are we are paid commissions from the insurance company for the insurances that we set up for you. It is really important. I note that it is standardized across the board. So we do receive 66% of the first year's premiums and 22%, they're ongoing. It is standard and legislative across the board that it's the same for all insurance companies, so it has no effect on the recommendation I have made. The recommendations made are in your best interest and in line with your goals and making sure that it is cost effective for you as well. Okay? Beautiful. Are you yeah. No. All good. That's basically everything I needed to run through with you there. You're welcome to have a really good read through the document. Let me know if you do happen to have any questions there at all. But do you have any questions for me at the moment with what I have gone through? Yeah. Yeah. Perfect. Oh, lovely. Well, thank you so much for that. I will let you go to have a read to it. If you are happy to take on the recommendations there, I'll just get you to sign and return that one back there for me. On the last page of the advice document, we do have a little text box there as well. So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with. If you're happy to proceed with all the recommendations, just put NA in the box. So I'm in the little bottom part there and send it back to us. We've also got in there for you as an attachment the quotes, which gives you a bit of a breakdown of the insurances. I've got the financial service guide which outlines everything about who I am, what I do, and everything here about Oakview Financial. And if you're like me and enjoy a bit of reading, miss Drew, I've also got the product disclosure statements attached to the email for you as well in case you wanted to have a bit more detailed look at the products. Okay. Fantastic. Not a problem at all. Well, thank you so much for your time. I'll let you go. Have a read through that. And if you find you have any questions at all, you're welcome to let me know. Okay? Oh, no problem, Matthew. Enjoy the rest of your day. It was a pleasure. Thank you. See you later. 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Matthew. It's Zaina from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to run through your updated statement of advice. Is now still a good time there for you? Fantastic. How is everything going at home at the moment?\n\nYes? Absolutely. Oh, good. Good. Everyone's settling in nicely.\n\nOh, fantastic. That is absolutely fantastic. Matthew, do you happen to have access to your emails at the moment as well? Yep. Perfect.\n\nWhat I'm gonna do send through an email with the updated statement of advice. If you wanted to let me know when that one comes through and open the document there, you'll be able to run through that one with me so you get a bit of an understanding of what I'm looking at. Okay? Perfect. I've just sent the email through to you there.\n\nNow just confirming I'm sending it through to matthewhua@1992atgmail.com. Beautiful. And just to confirm, moving forward, I do record our calls for quality and training You're happy for me to proceed with that? Lovely. And just to do security there with you as well, I'll just confirm your full name, date of birth, and address I should have on file.\n\nYep. Beautiful. Thank you so much for that. I've sent that email through. Hopefully, it pops through fairly quickly there for you.\n\nJust let me know if it does you that was excellent. I've had some a couple of clients recently had trouble getting the emails coming through, so I'm glad yours came through nice and quickly there for you. If you open that one up, it'll ask you to it doesn't ask you to agree and accept anymore. It does just have, like, a little sign button. You press that, and then it lets you go forward so you can see the document.\n\nI will never ask you to sign anything you haven't read, but it does let you scroll through that document there. Okay? Perfect. Lovely. Thank you for that.\n\nNow having a look at the document there as on the front page, it should definitely, sorry, state statement of advice prepared for yourself as of the 02/25/2026. That's when we completed the document for you. Authorized representative for me myself registered with ASIC is 1304394. That's on the bottom of the document there for you. Okay?\n\nNow as you are scrolling through this one, Matthew, on the next page, it does note the best interest, Judy. It's just letting you know that any advice we do provide does need to be provided in your best interest, essentially. We make sure we go through the process we do of understanding your goals and objectives and making sure that, you know, any advice we are providing is that it'll help you meet your goals moving forward. But it's really important to know that best interest is also changing as well. So your goals will change.\n\nYou've got a lot of years before you're able to access super and retire, so your goals will continuously change. Therefore, the advice needs to alter and change with it as your as your life changes. Okay? Perfect. If you scroll down to page number three for me, you'll see the heading noted there the scope of advice.\n\nSo this is just noting out the areas that we have scoped in for the statement of advice. We're looking at areas of superannuation. Now when we sorta had spoken last time, you wanted to look at maybe moving into more of a high growth profile for your super, just making sure you're taking a bit more risk in the market to try and obtain those greater potential returns moving forward. You do have a lot of years ahead of you. You're still very young.\n\nSo we can take a bit more risk in the market to try and get those greater potential returns now so that we can sort of pull back in the future there as well. Okay? We have obviously seen some changes in the market there as well, so I have had a look at the portfolios and just made sure that you are invested correctly and also made some changes to some of the investments in the within the investment profile as well. Okay? We're also looking the insurance side of things.\n\nSo now that you've had your second child, very exciting news for you, you wanted to look at just getting some life and TBD. You were comfortable with it about 250,000 of life and TPD. So I've gone out there and done the research, looked at the different insurers, what they offer, and made a recommendation for you for that. Okay? And then, also, make sure we scoping the estate planning side of things and making sure in the event that you were to pass away, touch wood, nothing ever happens.\n\nBut in the unless the event that this was to happen prematurely, that your family are covered making sure your beneficiary nominations are up to date so your partner could take care of your kids moving forward. Okay? Perfect. The next page outlines the areas that we're not looking at at the moment. So we're not looking at areas of income protection or trauma.\n\nYou were comfortable just with the insurance side of things. We're looking at life and TPD only. We can always come back in the future and talk about the income protection and the trauma side of things. However, it does sort of leave you with the risk of not being covered or not having adequate cover in the event of being unable to go to work in a shorter term due to illness or injury or with trauma not being able to claim that lump sum tax refund if it in the event a traumatic diagnosis is made. Okay?\n\nOne of the other things we did kinda talk about down the track was the possibility of maybe opening yourself any super funds. So we have scoped out for now. We're just looking to build your super for the moment. However, down the track, it was something you were maybe looking to look into. Okay?\n\nYeah. That's absolutely okay. The next page outlines the limited advice. So it's just letting you know that I'm not a a lawyer, so we don't draft wills for you. However, in the event of you requiring the assistance of a solicitor to draft a will, we can definitely refer you on.\n\nIt's also important that we look at personal insurance products, so things like life, TPD, income protection, trauma insurances. We don't provide advice around general insurance products. That's things like motor home, housing contents, business liability insurance, things like that. We can refer you to a general insurance broker should you need those sort of insurance options. And under the Better Advice Act 2021, I am a relevant tax provider.\n\nThat essentially means I'm authorized to provide tax financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your tax for you. If you did require the assistance of an accountant on the track, we can always refer you through to one. Okay? Perfect.\n\nOn the bottom of that page, it outlines essentially the start of the recommendations, but I'll take you a bit lower and I'll take you through those in a bit more detail there. Okay? On the next page is the about you section there, Matthew. Can you just run your eyes over that for me? Just let me know if there's been any major changes to any of those details that we should have noted for you.\n\nYep. Perfect. No major pay rise. I was hoping that your income had gone up a little bit since then, but, no, not yet. Yeah.\n\nYep. Yep. No. That's okay. Not a problem at all.\n\nI can always make a note here that this is what we've got your income noted at, but that you generally do get 25,000 per quarter to kind of make it up. Okay? Per annum. So sorry. No.\n\nThat's okay. So 25,000 per annum in commissions is it was expected. Yep. Perfect. Not a problem at all.\n\nI'll make a note of that one for you as well. Absolutely. On the next page, we do have your assets and liabilities noted as per our last conversation. I know some of those may have changed since we last spoke. Are there any major changes you would like to have updated?\n\nKeeping in mind that, no, with the changes made here, nothing really affects the advice in any negative way, but I'm more than happy to update anything on the back end for you if you would like me to. That's all good. Yes. Yeah. That's correct.\n\nYeah. Yep. That's okay. Not a problem at all. Yep.\n\nBeautiful. On the next page there, we do have the risk profile outlined. So you did score as a growth investor and were in that growth portfolio. You wanted to look at going a bit more high growth to try and get some greater potential returns and keep that compounding, working towards your retirement there. So this outlines a little bit about the high growth environment that you can see.\n\nOkay? Essentially, the next page, there is a strategy recommendation. So what I'll do is I'll start to take you through these to make it easier. The first one there is that we are recommending that you do retain your Hub twenty four super account. So I did have a look at all the options for super.\n\nHub twenty four has been working great for you. There's been no major changes that really reflects us requiring to make any changes there. And because we were looking at a high growth portfolio and wanting to sort of take on a little bit more risk there, if we had made a recommendation to alter and move you to a different platform, it would require a full sell down. So retaining hub twenty four essentially means that we can alter the portfolio. The investments we need to be able to invest in are available there, and it means we don't have to sell down all of your investment assets, which can save you on CGT.\n\nWe can just sell partial or what we need to. And if we do alter portfolios, we can often try to increase and transfer what we can as well. So pertaining hub twenty four worked out more cost effective for you. Okay. There is.\n\nYes. Yes. So your your super fund, just like you do, your super fund does a tax return every single year. So when we do buy and sell assets and make changes to your investment portfolio, there is definitely capital gains tax, and your super fund makes discount at that. Yeah.\n\nThat's exactly right. Yeah. Now we are recommending that you do move into the updated Q Financial number six high growth portfolio there. We have noted that with not sure if we spoke about it before, but in early January when we sort of touched base, there had been some changes to some of the investments and the way the markets were reacting. Then along Australian equities, which was in your original portfolio, has been underperforming.\n\nSo we have made a decision to remove that from the portfolios and look at moving you into something else. Because you are still quite young, you've got a bit of time ahead of you, you are still able to have that active management in your sort of portfolio. So I am recommending that whilst we are moving you with a high growth portfolio there, that we remove them along from that. We're selling all of that and replacing it with the Affinity Australian Share Fund. It's essentially making sure that you still got that active manager in your portfolio, that you can get those greater potential returns moving forward.\n\nIt's still giving you access to the Australian equities portion. However, the Affinity, fund is actually a little bit cheaper than Bennelong was, and they tend to hold a few more investments over Bennelong. So they can also make it a little bit more give you more diversification essentially whilst making the investments a bit cheaper, which is a benefit for you as well. Okay? Perfect.\n\nWe are recommending that you do continue all contributions to go into the hub twenty four funds, so no changes there for you at all. Okay? With all the recommendations, as I kinda mentioned before, we do make sure they are in your best interest. So with regard to all the recommendations on these pages, you will see a best interest statement there. So, essentially, this is in your best interest because replacing the underperforming investments allows you to retain and remain invested in the portfolio that is aligned with your risk profile, Removing those underperforming assets and replacing with something that has such generated potential return can help you long term whilst maintaining a level of risk that is consistent with your goals and objectives there.\n\nMaintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well. So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well. Okay? Underneath that, you'll see the advantages, the disadvantages, and the risks involved. I'll let you go back and have a bit of a read through these later.\n\nBut, essentially, as I've kind of gone through making sure retaining hub twenty four can limit the CGT consequences, removing that along and placing it with Affinity still gives you access to an actively managed investment given you're young and still have a lot of time ahead of you. The recommended portfolio we are popping you into has has seen greater greater past performance than what their current one is. So we can, if the markets perform the same way or do better, see it puts you in a better position moving forward there as well. Okay? Yeah.\n\nYes. Yeah. Yeah. Absolutely. What I'll get you to do is if you scroll down to page number 17 for you, I can actually show you what that looks like.\n\nYeah. That's okay. Perfect. So you'll see here we've got your current table, which shows your current investment portfolio, the amount you have in super there, and the administration fees, investment fees, and any other fees applicable to the account. You've got your ongoing service fee for us looking after everything for you and your contributions going in there as well.\n\nUnderneath that, you do also have you in a growth portfolio, and it was showing the three year rolling average there. We've had to use the three year as some investments haven't given us a five year rolling average, but it's averaged about 14.56%. With the high growth portfolio that we wanna move you into, you will see a difference in the balance starting at the top, and that's the $892. That's just the ADT consequences for making those changes there. Okay?\n\nSo starting balance would come down a little bit due to the CDT once we complete the investment switch. There's no change to the administration fees, but we do work out in having a look at the newer portfolio. It is saving you for the first year about a $143 in investment fees and no changes to any other fees applicable to the fund there. You do notice the ongoing service fee does increase a little bit as we expect growth in the funds. So our ongoing service fee is 1.65% and alters with the performance of the portfolio there.\n\nOkay? And then your contributions. And I've also got there the insurance premium. So one thing we are factoring into the advice is the life and CBD component. They will be paid out as super, so the insurance premium's there as well showing you the effect.\n\nWith the high growth portfolio, it has seen with it utilizing the three year rolling average a greater potential return. So it has, over the past three years, have averaged about a 17.01% return. Now I definitely don't think you're gonna get 17% every year moving forward, but if the markets do perform the way they have over the past, if the portfolio performs the way it has, you could see yourself over the next ten years increase your super balance up to about 900,144 as you'll see a little bit below there. Okay. Yeah.\n\nI see. So that's okay. So the advantages are that this portfolio has performed greater over the past. It is saving you in the way of investment fees a bit. So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you.\n\nIt is limiting the CDT. So the CDT has been reduced down to about 892, which is really important to try and reduce as much as possible. And we can see, so long as things work the same way, that it can provide greater potential growth in the future for you. Okay? That's okay.\n\nOn the next page there, it does also note the twelve and three year performance of the two different portfolios just so you can kinda see the difference there as well. Okay? Perfect. If you scroll back up for me, just the page number 16, this is just outlining essentially the risk profile with the existing and the proposed. So as I kinda went through at the moment, you are in more of a growth portfolio, which generally sees about 80% of your super invested in growth assets.\n\nSo things like Australian shares, international shares. We don't really have a lot of property in our portfolios, but alternatives like gold and silver as well. And then you would generally see around about 20% in defensive investments, so things like fixed interest, defensive alternatives, and also cash investments there as well. With your existing portfolio, you're actually 88.55% in those growth investments and showing 11.45% in those defensive investments. With the portfolio that was just kinda gone through there, you essentially see about 91.84% in those growth investments.\n\nSo you're increasing the growth side of things and decreasing the defensive side there. The growth investments are taking on a bit more risk, but you wanna get greater potential returns there as well, and then reducing the defensive investments down to about 8.16. Okay? If you wanted to see what the investment portfolio looked like, if you go back up one more page there for me to the investment side of things, you'll actually see all the individual investments that we are looking at there. So when we're kinda looking at the buyers and sales, which is the one, two, three, four, fifth column along, you'll actually see there that we're sort of selling the bank hybrids there.\n\nWe're selling the the agriculture. We're keep we're keeping some of the physical gold, but just kinda rebalancing it down a little bit there for you. We're also buying into some cybersecurity, keeping and just rebalancing the S and P 500 to keep you balanced and in line with that grace high growth portfolio. We're also selling some of the Raffy 200, but keeping it, you'll still still have about 15% in that once we complete the rebalance then. We're getting rid of all of the Bannalongs, so you'll have no Bannalong left in the portfolio.\n\nAnd then with the ClearBridge infrastructure fund, completely getting rid of that as well. And then also rebalancing and keeping some of the India investment. On the next page there, the global shares, all the rebalancing. So we are buying into that one. You have about 7% in there.\n\nAlphinity, you'll see 10% invested in there once we complete the buy of that one, and that's replacing the Benelon that we are selling all of. And then you'll still also have 15% of the JPMorgan Research enhanced equity fund. And then also within the portfolio, you do have about 1.25% in hub 24 in cash, which has to remain there to kind of cover the cost of ongoing expenses like administration fees and our ongoing service fees and things like that. So you'll see once we've kinda completed the rebalance, at the end of it, you'll end up with having some of the bank hybrids there, just a small component around 7% for defensive investments, some physical gold with which is a growth asset, but it also works defensively at certain times. And with the volatility we are seeing at the moment, having some physical gold in there is always a benefit.\n\nSome cybersecurity will be in there as well. Having about 7% there is more of a thematic kind of ETF investment, so you're wanting to branch out to try and get greater growth. And cybersecurity, whilst having some ups and downs, is still a very big player in the market. And moving forward, the governments are putting a lot of money into cybersecurity in areas like that. The S and P 500, it's more one of your standard sort of core investments in the portfolio.\n\nWe would see about 25% invested in there. Whilst the markets in The US and Australia have seen lots of ups and downs at the moment, they are still good to hold. We wanna make sure we're holding through that. And one of the benefits of the S and P 500 is that whilst you're looking at the top 500 companies in The US, they have to they the companies have to meet a certain criteria. So the index actually looks at what companies are in the S and P 500 every quarter, and if they no longer meet that criteria, they get removed and replaced with something else.\n\nSo you are always invested in the 500 companies in The US. And as much as The US is seeing a lot of volatility and as is the straight equities at the moment, over the course of the you know, when you look at over time over ten, twenty, or thirty years, staying invested in The US still does provide great returns. Okay? Does that make sense? Perfect.\n\nWe've also got the beta shares Rafi 200 there. You'll see about 15% invested in that. That, again, is another one of those good core investments to hold. Australian equities, again, have seen great potential returns over the past couple of years. They are seeing a bit of volatility at the moment because we do tend to follow suit when it comes to The US.\n\nHowever, it is really important to still hold some Australian equities in there. We're getting rid of the Banda Long and the ClearBridge so that will have none invested. The India will be about 7%. So, again, this is more of a thematic kind of investment. We're looking at some of the top country companies within the Indian market, and they have seen some good growth over the past couple of years.\n\nWe've got the global health care. So giving you access to global health care. Health care since COVID has been one of those big spots, and this is not just looking at doctors' offices and things. This is looking at, like, cybersecurity within health care. It's looking at the technology side of things within health care.\n\nSo there are a lot of advantages and changes coming to the health care sector with the robotics and the IT side of things. So this is also encompassing some of those sorts of areas for you as well. And then you would also see about 10% in the Affinity Share Funds. So giving you a bit of an actively managed component, we wanna make sure we review this with you on a regular basis. So if this investment does need to be moved in the future, that we're able to remove that for you and alter your portfolio.\n\nAnd then the JPMorgan Global Enhanced Research in equity fund, this is looking at they utilize JPMorgan's research team, and they're looking at investments globally in areas of great growth. So it's giving you a little bit of a little bit of active management in there. If only a small portion actively managed, but they are looking at globally. So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good. And then, obviously, the to help you do that is really good.\n\nAnd then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out. You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system. So they have, like, a set time of the month where they go through, and they might buy and sell certain investments. It's kind of a cash run. It's making sure they do top up the cash in your super fund, or if you have too much, they'll start to buy into some investments.\n\nThat way, you don't have too much sitting there. So that does happen around about the twentieth of every month. Okay? Perfect. Do you have any questions about any of that so far?\n\nNo? Perfect. Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you. So beautiful. So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there.\n\nI have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich. So Zurich are one of Australia's largest insurers. They have been around for a really long time, and they offered the best rate available to you. Essentially, for the first year's premium to be deducted from your super fund for the recommended amount of cover, it's just gonna cost about a $190.01, so very cheap to have that license TBD. Essentially, underneath that, you'll see the amount of 223 and 54¢ there.\n\nThat's how much the insurer actually receives the premium. You get a bit of a 15% rebate or a discount on the policy, so you'll only pay the $1.90 out of your super fund for the best year. Underneath that, you've got your best interest, Judy. So the amount of cover recommended is in in line with what you wanted, and we'll review that with you regularly to make sure it stays in line with what you're after. You do need to go through, essentially, an application.\n\nSo they will look at your health. There's nothing that was really flagged with anything that we spoke about to to note that it could be any loadings or exclusions. But if there is anything that comes out in the application, there could be loadings or exclusions applied to the policy. Well, it's all good. When you do go through the application with my colleague, Jack, he'll probably flag it with me if there's anything that we need to maybe review.\n\nBut when you and I spoke last time, there was nothing of concern that really showed us there was gonna be anything on the on the policy as a loading or exclusion. It gives you that level of cover in the event that something was to happen. And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released. So it makes sure your family gets an extra benefit with the life cover. Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well.\n\nOkay? Perfect. On the next page there, one of the important things to kinda note is that when you are paying for the insurance premiums out of super, it does have an effect. And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns it has received. You'll see that we've got the same table again, but at the very end, it's got the no insurance option.\n\nSo, essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much. However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment. Okay? Perfect. Yeah.\n\nBeautiful. The advantages, disadvantages, and the risks involved are also noted out there for you as well. So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover. So every year that you do happen to keep the cover in place, you don't have to reapply or anything. The insurances are just renewed each year.\n\nIncreasing claims, essentially, if you're on a claim, it can obviously make sure that that the claim is paid out along with c p CPI. And we have what's called a last buyback option here as well. So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy. It essentially means that in the event of a claim for TPD, your TPD payment is paid out. And then because we have attached the policy to your life, it does actually wipe your life policy out.\n\nSo by having the life buyback option, it means that after your TBD claim, within about twelve months, your life policy is reinstated at the preclaim amount, and then you're able to claim back on that policy again. By structuring this way, as much as we know that when the TBD claim happens, it does wipe your life out for the time being, that twelve months. It's actually a more cost effective way of structuring it. If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying. So by structuring the policies this way, we're getting the multi policy discount.\n\nWe're making the premiums much cheaper for you, but also making sure that you have access to claim on both of those in the event that something was to happen. Okay? That's Yeah. Yeah. Well, the way it sort of normally works is that you would normally start by claiming on the TPD first, and then once you've sort of survived the TPD that you're still going, if it was terminal or if you were to pass away after the twelve months, then we can claim on the life as well.\n\nYou don't yeah. But if you were to pass away, we only claim on the life side of things. We don't claim on the TBD. Does that make sense? Yep.\n\nPerfect. All good. I'll let you go back and have a bit more of a read through all of those options later as well. Just let me know if you do have any questions in relation to anything there. The last sort of yeah.\n\nBeautiful. The last part of the recommendations there is to make sure that your beneficiaries are applied On your last cover with Zurich, applying a beneficiary for a 100% to your partner, Maria, making sure that in the event of passing that everything is paid out to her, and we're making sure that on your super fund, again, that you have a nonbinding lapsing sorry. A non lapsing binding nomination again to Maria just to make sure that if anything was to happen, that the claim could be made. The funds are paid out to her so she can continue to look after your family moving forward. Okay?\n\nYeah. Beautiful. Underneath that, I've also made the recommendations that to serve a will and make sure power of attorneys are in place as well. I always sort of suggest if you have a local solicitor you're comfortable talking to to maybe meet with them and have a will and a power of attorney drawn up, especially now as you do have your two kids there. You're wanting to make sure that in the event that something happens that, you know, your t's are crossed in your i's, the daughter, that your family are protected.\n\nHaving the beneficiaries in place looks after your life cover and your super, but there's also all those other assets that you do hold outside of super, like your home, any investments you might have, your cars, your caravans, all of your belongings and your savings accounts and things like that. So all of those sorts of things still also need to be accounted for in the future and looked after to make sure they're distributed as per your wishes. Okay? Yeah. Yeah.\n\nYeah. It's amazing when having another child and things changing a little bit. It does make you think a bit more about that side of things, doesn't it? Yeah. No.\n\nBeautiful. The only other thing to sort of make mention there for you, Matthew, is that when we do look at insurances, we are we are paid commissions from the insurance company for the insurances that we set up for you. It is really important. I note that it is standardized across the board. So we do receive 66% of the first year's premiums and 22%, they're ongoing.\n\nIt is standard and legislative across the board that it's the same for all insurance companies, so it has no effect on the recommendation I have made. The recommendations made are in your best interest and in line with your goals and making sure that it is cost effective for you as well. Okay? Beautiful. Are you yeah.\n\nNo. All good. That's basically everything I needed to run through with you there. You're welcome to have a really good read through the document. Let me know if you do happen to have any questions there at all.\n\nBut do you have any questions for me at the moment with what I have gone through? Yeah. Yeah. Perfect. Oh, lovely.\n\nWell, thank you so much for that. I will let you go to have a read to it. If you are happy to take on the recommendations there, I'll just get you to sign and return that one back there for me. On the last page of the advice document, we do have a little text box there as well. So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with.\n\nIf you're happy to proceed with all the recommendations, just put NA in the box. So I'm in the little bottom part there and send it back to us. We've also got in there for you as an attachment the quotes, which gives you a bit of a breakdown of the insurances. I've got the financial service guide which outlines everything about who I am, what I do, and everything here about Oakview Financial. And if you're like me and enjoy a bit of reading, miss Drew, I've also got the product disclosure statements attached to the email for you as well in case you wanted to have a bit more detailed look at the products.\n\nOkay. Fantastic. Not a problem at all. Well, thank you so much for your time. I'll let you go.\n\nHave a read through that. And if you find you have any questions at all, you're welcome to let me know. Okay? Oh, no problem, Matthew. Enjoy the rest of your day.\n\nIt was a pleasure. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":4.24,"end":4.88,"sentiment":"neutral","sentiment_score":0.012720656115561724},{"text":"It's Zaina from OQ Financial.","start":4.88,"end":6.48,"sentiment":"neutral","sentiment_score":0.05159452334046364},{"text":"How are you this afternoon?","start":6.48,"end":7.7,"sentiment":"neutral","sentiment_score":0.09409699589014053},{"text":"I'm very well.","start":9.5199995,"end":10.48,"sentiment":"positive","sentiment_score":0.48176008462905884},{"text":"Thank you.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.6117182374000549}],"sentiment":"neutral","sentiment_score":0.2013303315924371,"num_words":17,"start":4.24,"end":10.88},{"sentences":[{"text":"Thanks for asking.","start":10.88,"end":11.86,"sentiment":"positive","sentiment_score":0.5647412538528442},{"text":"I had you booked in to run through your updated statement of advice.","start":11.92,"end":14.88,"sentiment":"neutral","sentiment_score":0.15982101685725725},{"text":"Is now still a good time there for you?","start":14.88,"end":18.125,"sentiment":"positive","sentiment_score":0.33848006278276443},{"text":"Fantastic.","start":18.125,"end":18.625,"sentiment":"positive","sentiment_score":0.39975231885910034},{"text":"How is everything going at home at the moment?","start":19.164999,"end":21.585,"sentiment":"neutral","sentiment_score":0.1612674809164471}],"sentiment":"neutral","sentiment_score":0.2476964912244252,"num_words":35,"start":10.88,"end":21.585},{"sentences":[{"text":"Yes?","start":24.044998,"end":24.544998,"sentiment":"neutral","sentiment_score":0.04803475737571716},{"text":"Absolutely.","start":26.044998,"end":26.544998,"sentiment":"neutral","sentiment_score":0.2775704264640808},{"text":"Oh, good.","start":27.98,"end":28.62,"sentiment":"positive","sentiment_score":0.34464333951473236},{"text":"Good.","start":28.62,"end":28.78,"sentiment":"positive","sentiment_score":0.4115456342697144},{"text":"Everyone's settling in nicely.","start":28.78,"end":30.4,"sentiment":"positive","sentiment_score":0.41788122057914734}],"sentiment":"positive","sentiment_score":0.3442180421617296,"num_words":9,"start":24.044998,"end":30.4},{"sentences":[{"text":"Oh, fantastic.","start":33.82,"end":35.12,"sentiment":"positive","sentiment_score":0.4082760065793991},{"text":"That is absolutely fantastic.","start":35.34,"end":36.8,"sentiment":"positive","sentiment_score":0.5216962546110153},{"text":"Matthew, do you happen to have access to your emails at the moment as well?","start":37.34,"end":40.96,"sentiment":"neutral","sentiment_score":0.06634241404632728},{"text":"Yep.","start":42.225002,"end":42.545002,"sentiment":"neutral","sentiment_score":0.1318560242652893},{"text":"Perfect.","start":42.545002,"end":43.025,"sentiment":"neutral","sentiment_score":0.26311561465263367}],"sentiment":"neutral","sentiment_score":0.1866715165745953,"num_words":23,"start":33.82,"end":43.025},{"sentences":[{"text":"What I'm gonna do send through an email with the updated statement of advice.","start":43.025,"end":46.225002,"sentiment":"neutral","sentiment_score":0.12625617906451225},{"text":"If you wanted to let me know when that one comes through and open the document there, you'll be able to run through that one with me so you get a bit of an understanding of what I'm looking at.","start":46.225002,"end":54.625,"sentiment":"neutral","sentiment_score":0.11268090959638358},{"text":"Okay?","start":54.625,"end":55.125,"sentiment":"neutral","sentiment_score":0.08812341094017029},{"text":"Perfect.","start":56.7,"end":57.2,"sentiment":"positive","sentiment_score":0.4189383387565613},{"text":"I've just sent the email through to you there.","start":57.98,"end":59.9,"sentiment":"neutral","sentiment_score":0.20626652737458548}],"sentiment":"neutral","sentiment_score":0.1328966674896387,"num_words":65,"start":43.025,"end":59.9},{"sentences":[{"text":"Now just confirming I'm sending it through to matthewhua@1992atgmail.com.","start":59.9,"end":64.56,"sentiment":"neutral","sentiment_score":0.13346581740511787},{"text":"Beautiful.","start":66.06,"end":66.46,"sentiment":"positive","sentiment_score":0.3852626383304596},{"text":"And just to confirm, moving forward, I do record our calls for quality and training You're happy for me to proceed with that?","start":66.46,"end":71.975006,"sentiment":"neutral","sentiment_score":0.1926591959984406},{"text":"Lovely.","start":73.475006,"end":73.875,"sentiment":"neutral","sentiment_score":0.31030088663101196},{"text":"And just to do security there with you as well, I'll just confirm your full name, date of birth, and address I should have on file.","start":73.875,"end":79.33501,"sentiment":"neutral","sentiment_score":0.13258693309930655}],"sentiment":"neutral","sentiment_score":0.16291962750256062,"num_words":60,"start":59.9,"end":79.33501},{"sentences":[{"text":"Yep.","start":85.810005,"end":86.310005,"sentiment":"neutral","sentiment_score":0.03573291003704071},{"text":"Beautiful.","start":90.450005,"end":90.950005,"sentiment":"neutral","sentiment_score":0.2640489637851715},{"text":"Thank you so much for that.","start":91.090004,"end":92.79,"sentiment":"positive","sentiment_score":0.554138054450353},{"text":"I've sent that email through.","start":93.170006,"end":94.450005,"sentiment":"neutral","sentiment_score":0.24709613621234894},{"text":"Hopefully, it pops through fairly quickly there for you.","start":94.450005,"end":96.695,"sentiment":"neutral","sentiment_score":0.22291235791312325}],"sentiment":"neutral","sentiment_score":0.31210464103655383,"num_words":22,"start":85.810005,"end":96.695},{"sentences":[{"text":"Just let me know if it does you that was excellent.","start":96.695,"end":99.035,"sentiment":"neutral","sentiment_score":0.2289438552477143},{"text":"I've had some a couple of clients recently had trouble getting the emails coming through, so I'm glad yours came through nice and quickly there for you.","start":99.415,"end":106.315,"sentiment":"neutral","sentiment_score":0.2317867819909696},{"text":"If you open that one up, it'll ask you to it doesn't ask you to agree and accept anymore.","start":107.51,"end":112.310005,"sentiment":"neutral","sentiment_score":0.027530017652009662},{"text":"It does just have, like, a little sign button.","start":112.310005,"end":114.07,"sentiment":"neutral","sentiment_score":0.16430162555641598},{"text":"You press that, and then it lets you go forward so you can see the document.","start":114.07,"end":117.29,"sentiment":"neutral","sentiment_score":0.17098696762695909}],"sentiment":"neutral","sentiment_score":0.1648073410842477,"num_words":82,"start":96.695,"end":117.29},{"sentences":[{"text":"I will never ask you to sign anything you haven't read, but it does let you scroll through that document there.","start":117.75,"end":122.565,"sentiment":"neutral","sentiment_score":-0.0270627329037303},{"text":"Okay?","start":122.565,"end":123.065,"sentiment":"neutral","sentiment_score":0.027894385159015656},{"text":"Perfect.","start":125.125,"end":125.625,"sentiment":"positive","sentiment_score":0.6248321533203125},{"text":"Lovely.","start":125.765,"end":126.265,"sentiment":"positive","sentiment_score":0.6716117858886719},{"text":"Thank you for that.","start":126.325005,"end":127.465004,"sentiment":"positive","sentiment_score":0.7015049904584885}],"sentiment":"neutral","sentiment_score":0.12721574625798635,"num_words":28,"start":117.75,"end":127.465004},{"sentences":[{"text":"Now having a look at the document there as on the front page, it should definitely, sorry, state statement of advice prepared for yourself as of the 02/25/2026.","start":128.16501,"end":137.46,"sentiment":"neutral","sentiment_score":0.11219163239002228},{"text":"That's when we completed the document for you.","start":137.54001,"end":140.68001,"sentiment":"neutral","sentiment_score":0.09433879842981696},{"text":"Authorized representative for me myself registered with ASIC is 1304394.","start":141.3,"end":146.34001,"sentiment":"neutral","sentiment_score":0.08290509767830372},{"text":"That's on the bottom of the document there for you.","start":146.34001,"end":148.82,"sentiment":"neutral","sentiment_score":0.09793407469987869},{"text":"Okay?","start":148.82,"end":149.32,"sentiment":"neutral","sentiment_score":0.07135248929262161}],"sentiment":"neutral","sentiment_score":0.1013301808321685,"num_words":57,"start":128.16501,"end":149.32},{"sentences":[{"text":"Now as you are scrolling through this one, Matthew, on the next page, it does note the best interest, Judy.","start":150.675,"end":155.07501,"sentiment":"neutral","sentiment_score":0.09930434282869101},{"text":"It's just letting you know that any advice we do provide does need to be provided in your best interest, essentially.","start":155.07501,"end":160.21501,"sentiment":"neutral","sentiment_score":0.157552736500899},{"text":"We make sure we go through the process we do of understanding your goals and objectives and making sure that, you know, any advice we are providing is that it'll help you meet your goals moving forward.","start":161.07501,"end":171.61,"sentiment":"neutral","sentiment_score":0.2305211090558284},{"text":"But it's really important to know that best interest is also changing as well.","start":171.61,"end":174.81,"sentiment":"neutral","sentiment_score":0.08221901740346636},{"text":"So your goals will change.","start":174.81,"end":176.01,"sentiment":"neutral","sentiment_score":0.08201941847801208}],"sentiment":"neutral","sentiment_score":0.15860967725976227,"num_words":97,"start":150.675,"end":176.01},{"sentences":[{"text":"You've got a lot of years before you're able to access super and retire, so your goals will continuously change.","start":176.01,"end":182.295,"sentiment":"neutral","sentiment_score":0.07747644064947963},{"text":"Therefore, the advice needs to alter and change with it as your as your life changes.","start":182.295,"end":186.555,"sentiment":"neutral","sentiment_score":0.1219858038239181},{"text":"Okay?","start":186.69499,"end":187.19499,"sentiment":"neutral","sentiment_score":0.08604799956083298},{"text":"Perfect.","start":188.375,"end":188.875,"sentiment":"positive","sentiment_score":0.38963550329208374},{"text":"If you scroll down to page number three for me, you'll see the heading noted there the scope of advice.","start":189.83,"end":194.87,"sentiment":"neutral","sentiment_score":0.08861705735325813}],"sentiment":"neutral","sentiment_score":0.09912631593259244,"num_words":58,"start":176.01,"end":194.87},{"sentences":[{"text":"So this is just noting out the areas that we have scoped in for the statement of advice.","start":194.87,"end":199.67,"sentiment":"neutral","sentiment_score":0.07741972328060204},{"text":"We're looking at areas of superannuation.","start":199.67,"end":201.29,"sentiment":"neutral","sentiment_score":0.02511524905761083},{"text":"Now when we sorta had spoken last time, you wanted to look at maybe moving into more of a high growth profile for your super, just making sure you're taking a bit more risk in the market to try and obtain those greater potential returns moving forward.","start":202.26501,"end":214.74,"sentiment":"neutral","sentiment_score":0.2764374691438168},{"text":"You do have a lot of years ahead of you.","start":215.22,"end":216.82,"sentiment":"positive","sentiment_score":0.37334972321987153},{"text":"You're still very young.","start":216.82,"end":218.56,"sentiment":"neutral","sentiment_score":0.17450571805238724}],"sentiment":"neutral","sentiment_score":0.22315679608899006,"num_words":85,"start":194.87,"end":218.56},{"sentences":[{"text":"So we can take a bit more risk in the market to try and get those greater potential returns now so that we can sort of pull back in the future there as well.","start":218.82,"end":227.0,"sentiment":"positive","sentiment_score":0.4168726871995365},{"text":"Okay?","start":227.14,"end":227.64,"sentiment":"neutral","sentiment_score":0.18444028496742249},{"text":"We have obviously seen some changes in the market there as well, so I have had a look at the portfolios and just made sure that you are invested correctly and also made some changes to some of the investments in the within the investment profile as well.","start":228.66501,"end":240.74501,"sentiment":"neutral","sentiment_score":0.2592707133541505},{"text":"Okay?","start":240.74501,"end":241.24501,"sentiment":"neutral","sentiment_score":0.1422991305589676},{"text":"We're also looking the insurance side of things.","start":242.81,"end":244.65,"sentiment":"neutral","sentiment_score":0.15039772540330887}],"sentiment":"neutral","sentiment_score":0.30596290026669914,"num_words":92,"start":218.82,"end":244.65},{"sentences":[{"text":"So now that you've had your second child, very exciting news for you, you wanted to look at just getting some life and TBD.","start":244.65,"end":250.67,"sentiment":"positive","sentiment_score":0.4588781048854192},{"text":"You were comfortable with it about 250,000 of life and TPD.","start":251.37,"end":255.575,"sentiment":"positive","sentiment_score":0.43605252558534796},{"text":"So I've gone out there and done the research, looked at the different insurers, what they offer, and made a recommendation for you for that.","start":255.575,"end":261.895,"sentiment":"positive","sentiment_score":0.3924935454130173},{"text":"Okay?","start":261.895,"end":262.395,"sentiment":"neutral","sentiment_score":0.263863742351532},{"text":"And then, also, make sure we scoping the estate planning side of things and making sure in the event that you were to pass away, touch wood, nothing ever happens.","start":263.655,"end":271.07,"sentiment":"neutral","sentiment_score":0.1898539857318004}],"sentiment":"positive","sentiment_score":0.34704916756395454,"num_words":91,"start":244.65,"end":271.07},{"sentences":[{"text":"But in the unless the event that this was to happen prematurely, that your family are covered making sure your beneficiary nominations are up to date so your partner could take care of your kids moving forward.","start":271.07,"end":282.45,"sentiment":"neutral","sentiment_score":0.18960040364716504},{"text":"Okay?","start":282.59,"end":283.09,"sentiment":"neutral","sentiment_score":0.14955762028694153},{"text":"Perfect.","start":284.26498,"end":284.76498,"sentiment":"positive","sentiment_score":0.651370644569397},{"text":"The next page outlines the areas that we're not looking at at the moment.","start":285.625,"end":288.745,"sentiment":"neutral","sentiment_score":-0.08426331143294062},{"text":"So we're not looking at areas of income protection or trauma.","start":288.745,"end":291.645,"sentiment":"neutral","sentiment_score":-0.2794305370612578}],"sentiment":"neutral","sentiment_score":0.055667514563538134,"num_words":64,"start":271.07,"end":291.645},{"sentences":[{"text":"You were comfortable just with the insurance side of things.","start":291.865,"end":294.10498,"sentiment":"neutral","sentiment_score":-0.08167471587657929},{"text":"We're looking at life and TPD only.","start":294.10498,"end":296.205,"sentiment":"neutral","sentiment_score":0.10009827970394067},{"text":"We can always come back in the future and talk about the income protection and the trauma side of things.","start":296.33,"end":300.83,"sentiment":"neutral","sentiment_score":0.09004388824105262},{"text":"However, it does sort of leave you with the risk of not being covered or not having adequate cover in the event of being unable to go to work in a shorter term due to illness or injury or with trauma not being able to claim that lump sum tax refund if it in the event a traumatic diagnosis is made.","start":301.13,"end":316.745,"sentiment":"negative","sentiment_score":-0.48659665516165435},{"text":"Okay?","start":316.745,"end":317.245,"sentiment":"neutral","sentiment_score":-0.06075207516551018}],"sentiment":"neutral","sentiment_score":-0.2834174694549857,"num_words":99,"start":291.865,"end":317.245},{"sentences":[{"text":"One of the other things we did kinda talk about down the track was the possibility of maybe opening yourself any super funds.","start":318.345,"end":323.87,"sentiment":"neutral","sentiment_score":0.16111757735843243},{"text":"So we have scoped out for now.","start":323.87,"end":325.78998,"sentiment":"neutral","sentiment_score":0.16384010442665645},{"text":"We're just looking to build your super for the moment.","start":325.78998,"end":328.03,"sentiment":"neutral","sentiment_score":0.25147066712379457},{"text":"However, down the track, it was something you were maybe looking to look into.","start":328.03,"end":331.81,"sentiment":"neutral","sentiment_score":0.024236897671861306},{"text":"Okay?","start":332.11,"end":332.61,"sentiment":"neutral","sentiment_score":0.017481843009591103}],"sentiment":"neutral","sentiment_score":0.14043800167062065,"num_words":55,"start":318.345,"end":332.61},{"sentences":[{"text":"Yeah.","start":334.66998,"end":335.16998,"sentiment":"neutral","sentiment_score":-0.04096085578203201},{"text":"That's absolutely okay.","start":335.55,"end":337.25,"sentiment":"positive","sentiment_score":0.3390374978383382},{"text":"The next page outlines the limited advice.","start":338.105,"end":340.665,"sentiment":"neutral","sentiment_score":0.03745016934616225},{"text":"So it's just letting you know that I'm not a a lawyer, so we don't draft wills for you.","start":340.665,"end":344.74503,"sentiment":"neutral","sentiment_score":-0.01969018867729526},{"text":"However, in the event of you requiring the assistance of a solicitor to draft a will, we can definitely refer you on.","start":344.74503,"end":351.03,"sentiment":"neutral","sentiment_score":0.12389367649501021}],"sentiment":"neutral","sentiment_score":0.06903557925341794,"num_words":52,"start":334.66998,"end":351.03},{"sentences":[{"text":"It's also important that we look at personal insurance products, so things like life, TPD, income protection, trauma insurances.","start":351.51,"end":357.85,"sentiment":"neutral","sentiment_score":0.035636339728769506},{"text":"We don't provide advice around general insurance products.","start":357.99,"end":361.35,"sentiment":"neutral","sentiment_score":-0.0900438018143177},{"text":"That's things like motor home, housing contents, business liability insurance, things like that.","start":361.35,"end":366.855,"sentiment":"neutral","sentiment_score":-0.012404235294805123},{"text":"We can refer you to a general insurance broker should you need those sort of insurance options.","start":367.255,"end":371.67502,"sentiment":"neutral","sentiment_score":0.061010152101516724},{"text":"And under the Better Advice Act 2021, I am a relevant tax provider.","start":372.695,"end":376.475,"sentiment":"neutral","sentiment_score":0.05029370320531038}],"sentiment":"neutral","sentiment_score":0.021235367269920452,"num_words":70,"start":351.51,"end":376.475},{"sentences":[{"text":"That essentially means I'm authorized to provide tax financial advice in relation to tax and tax related issues.","start":376.535,"end":382.28,"sentiment":"neutral","sentiment_score":0.06386495505770047},{"text":"However, we're not accountants, so we don't do your tax for you.","start":382.34,"end":385.31998,"sentiment":"neutral","sentiment_score":-0.16777479834854603},{"text":"If you did require the assistance of an accountant on the track, we can always refer you through to one.","start":385.46,"end":391.13998,"sentiment":"neutral","sentiment_score":0.09114068076014518},{"text":"Okay?","start":391.13998,"end":391.63998,"sentiment":"neutral","sentiment_score":0.10887598991394044},{"text":"Perfect.","start":393.13998,"end":393.63998,"sentiment":"positive","sentiment_score":0.38722193241119385}],"sentiment":"neutral","sentiment_score":0.027984291315078735,"num_words":52,"start":376.535,"end":393.63998},{"sentences":[{"text":"On the bottom of that page, it outlines essentially the start of the recommendations, but I'll take you a bit lower and I'll take you through those in a bit more detail there.","start":394.45502,"end":402.875,"sentiment":"neutral","sentiment_score":0.151507385978193},{"text":"Okay?","start":402.935,"end":403.435,"sentiment":"neutral","sentiment_score":0.08443304896354675},{"text":"On the next page is the about you section there, Matthew.","start":405.17502,"end":407.99002,"sentiment":"neutral","sentiment_score":0.0882460315796462},{"text":"Can you just run your eyes over that for me?","start":407.99002,"end":409.67,"sentiment":"neutral","sentiment_score":0.08712874315679073},{"text":"Just let me know if there's been any major changes to any of those details that we should have noted for you.","start":409.67,"end":415.13,"sentiment":"neutral","sentiment_score":0.058349910700185734}],"sentiment":"neutral","sentiment_score":0.10662167013755866,"num_words":77,"start":394.45502,"end":415.13},{"sentences":[{"text":"Yep.","start":424.32498,"end":424.805,"sentiment":"positive","sentiment_score":0.34004947543144226},{"text":"Perfect.","start":424.805,"end":425.285,"sentiment":"positive","sentiment_score":0.6126043796539307},{"text":"No major pay rise.","start":425.285,"end":426.32498,"sentiment":"neutral","sentiment_score":-0.004013543948531151},{"text":"I was hoping that your income had gone up a little bit since then, but, no, not yet.","start":426.32498,"end":430.345,"sentiment":"neutral","sentiment_score":-0.0019441619515419006},{"text":"Yeah.","start":435.58,"end":436.08,"sentiment":"neutral","sentiment_score":0.05018523335456848}],"sentiment":"neutral","sentiment_score":0.0380715999007225,"num_words":25,"start":424.32498,"end":436.08},{"sentences":[{"text":"Yep.","start":436.13998,"end":436.63998,"sentiment":"neutral","sentiment_score":0.05850483104586601},{"text":"Yep.","start":444.875,"end":445.375,"sentiment":"neutral","sentiment_score":0.020635977387428284},{"text":"No.","start":449.67502,"end":450.075,"sentiment":"neutral","sentiment_score":0.0025421325117349625},{"text":"That's okay.","start":450.075,"end":450.975,"sentiment":"neutral","sentiment_score":0.07545316591858864},{"text":"Not a problem at all.","start":451.035,"end":451.915,"sentiment":"neutral","sentiment_score":0.23927654325962067}],"sentiment":"neutral","sentiment_score":0.142897198908031,"num_words":10,"start":436.13998,"end":451.915},{"sentences":[{"text":"I can always make a note here that this is what we've got your income noted at, but that you generally do get 25,000 per quarter to kind of make it up.","start":451.915,"end":460.96,"sentiment":"neutral","sentiment_score":0.11074552370700985},{"text":"Okay?","start":460.96,"end":461.46,"sentiment":"neutral","sentiment_score":0.05670399218797684},{"text":"Per annum.","start":464.0,"end":464.72,"sentiment":"neutral","sentiment_score":0.0049759873654693365},{"text":"So sorry.","start":464.72,"end":465.46,"sentiment":"neutral","sentiment_score":-0.01870050746947527},{"text":"No.","start":465.92,"end":466.16,"sentiment":"neutral","sentiment_score":-0.037400007247924805}],"sentiment":"neutral","sentiment_score":0.09304504482516725,"num_words":38,"start":451.915,"end":466.16},{"sentences":[{"text":"That's okay.","start":466.16,"end":466.96,"sentiment":"neutral","sentiment_score":-0.000851800199598074},{"text":"So 25,000 per annum in commissions is it was expected.","start":466.96,"end":470.58002,"sentiment":"neutral","sentiment_score":0.005698331166058779},{"text":"Yep.","start":470.72,"end":471.2,"sentiment":"neutral","sentiment_score":0.09351034462451936},{"text":"Perfect.","start":471.2,"end":471.7,"sentiment":"positive","sentiment_score":0.3824058175086975},{"text":"Not a problem at all.","start":472.47498,"end":473.435,"sentiment":"positive","sentiment_score":0.36004543900489805}],"sentiment":"neutral","sentiment_score":0.12270647728521573,"num_words":19,"start":466.16,"end":473.435},{"sentences":[{"text":"I'll make a note of that one for you as well.","start":473.435,"end":475.275,"sentiment":"neutral","sentiment_score":0.3012976754795421},{"text":"Absolutely.","start":475.275,"end":475.775,"sentiment":"neutral","sentiment_score":0.22382253408432007},{"text":"On the next page, we do have your assets and liabilities noted as per our last conversation.","start":476.63498,"end":481.375,"sentiment":"neutral","sentiment_score":0.0571222052197246},{"text":"I know some of those may have changed since we last spoke.","start":482.07498,"end":484.97498,"sentiment":"neutral","sentiment_score":0.01612869758779804},{"text":"Are there any major changes you would like to have updated?","start":485.03497,"end":487.85498,"sentiment":"neutral","sentiment_score":-0.00008473867042498155}],"sentiment":"neutral","sentiment_score":0.09041897497641352,"num_words":52,"start":473.435,"end":487.85498},{"sentences":[{"text":"Keeping in mind that, no, with the changes made here, nothing really affects the advice in any negative way, but I'm more than happy to update anything on the back end for you if you would like me to.","start":488.47,"end":498.01,"sentiment":"neutral","sentiment_score":0.11395013437439235},{"text":"That's all good.","start":500.245,"end":503.22498,"sentiment":"neutral","sentiment_score":0.05295825252930323},{"text":"Yes.","start":504.965,"end":505.285,"sentiment":"neutral","sentiment_score":0.020318718627095222},{"text":"Yeah.","start":505.285,"end":505.525,"sentiment":"neutral","sentiment_score":0.024403924122452736},{"text":"That's correct.","start":505.525,"end":506.245,"sentiment":"neutral","sentiment_score":0.0645863339304924}],"sentiment":"neutral","sentiment_score":0.10384402845216834,"num_words":46,"start":488.47,"end":506.245},{"sentences":[{"text":"Yeah.","start":506.245,"end":506.645,"sentiment":"neutral","sentiment_score":0.05454808473587036},{"text":"Yep.","start":506.645,"end":506.965,"sentiment":"neutral","sentiment_score":0.06399699300527573},{"text":"That's okay.","start":506.965,"end":507.785,"sentiment":"neutral","sentiment_score":0.14066273719072342},{"text":"Not a problem at all.","start":508.085,"end":509.54498,"sentiment":"neutral","sentiment_score":0.2692112892866135},{"text":"Yep.","start":510.965,"end":511.365,"sentiment":"neutral","sentiment_score":0.2684618830680847}],"sentiment":"neutral","sentiment_score":0.20143888816237449,"num_words":10,"start":506.245,"end":511.365},{"sentences":[{"text":"Beautiful.","start":511.365,"end":511.865,"sentiment":"positive","sentiment_score":0.5568622946739197},{"text":"On the next page there, we do have the risk profile outlined.","start":512.74005,"end":515.88,"sentiment":"neutral","sentiment_score":0.10705566468338172},{"text":"So you did score as a growth investor and were in that growth portfolio.","start":515.94,"end":519.72003,"sentiment":"neutral","sentiment_score":0.2465814437185015},{"text":"You wanted to look at going a bit more high growth to try and get some greater potential returns and keep that compounding, working towards your retirement there.","start":519.78,"end":527.235,"sentiment":"neutral","sentiment_score":0.29731363111308645},{"text":"So this outlines a little bit about the high growth environment that you can see.","start":527.235,"end":531.255,"sentiment":"neutral","sentiment_score":0.18586642146110535}],"sentiment":"neutral","sentiment_score":0.2343778353716646,"num_words":70,"start":511.365,"end":531.255},{"sentences":[{"text":"Okay?","start":531.395,"end":531.895,"sentiment":"neutral","sentiment_score":0.11057527363300323},{"text":"Essentially, the next page, there is a strategy recommendation.","start":533.475,"end":536.055,"sentiment":"neutral","sentiment_score":0.10015216883685854},{"text":"So what I'll do is I'll start to take you through these to make it easier.","start":536.435,"end":540.135,"sentiment":"neutral","sentiment_score":0.17739797197282314},{"text":"The first one there is that we are recommending that you do retain your Hub twenty four super account.","start":541.44,"end":545.68,"sentiment":"neutral","sentiment_score":0.12676411710287394},{"text":"So I did have a look at all the options for super.","start":545.68,"end":547.76,"sentiment":"neutral","sentiment_score":0.18882563461860022}],"sentiment":"neutral","sentiment_score":0.1495568102650475,"num_words":57,"start":531.395,"end":547.76},{"sentences":[{"text":"Hub twenty four has been working great for you.","start":547.76,"end":550.26,"sentiment":"positive","sentiment_score":0.6884918146663241},{"text":"There's been no major changes that really reflects us requiring to make any changes there.","start":550.32,"end":555.735,"sentiment":"neutral","sentiment_score":0.12755884279807408},{"text":"And because we were looking at a high growth portfolio and wanting to sort of take on a little bit more risk there, if we had made a recommendation to alter and move you to a different platform, it would require a full sell down.","start":555.89496,"end":566.77496,"sentiment":"neutral","sentiment_score":0.04475423830250899},{"text":"So retaining hub twenty four essentially means that we can alter the portfolio.","start":566.77496,"end":571.07,"sentiment":"neutral","sentiment_score":0.17745604881873497},{"text":"The investments we need to be able to invest in are available there, and it means we don't have to sell down all of your investment assets, which can save you on CGT.","start":571.07,"end":579.73,"sentiment":"neutral","sentiment_score":0.21750891750509088}],"sentiment":"neutral","sentiment_score":0.170508457477326,"num_words":115,"start":547.76,"end":579.73},{"sentences":[{"text":"We can just sell partial or what we need to.","start":579.87,"end":582.525,"sentiment":"neutral","sentiment_score":0.1820962354540825},{"text":"And if we do alter portfolios, we can often try to increase and transfer what we can as well.","start":582.765,"end":587.325,"sentiment":"neutral","sentiment_score":0.18003763885874496},{"text":"So pertaining hub twenty four worked out more cost effective for you.","start":587.325,"end":591.325,"sentiment":"positive","sentiment_score":0.3431744898358981},{"text":"Okay.","start":591.325,"end":591.825,"sentiment":"neutral","sentiment_score":0.09552913904190063},{"text":"There is.","start":595.89996,"end":596.69995,"sentiment":"neutral","sentiment_score":0.006729966960847378}],"sentiment":"neutral","sentiment_score":0.21519910099662162,"num_words":44,"start":579.87,"end":596.69995},{"sentences":[{"text":"Yes.","start":596.69995,"end":597.01996,"sentiment":"neutral","sentiment_score":0.04205282777547836},{"text":"Yes.","start":597.01996,"end":597.42,"sentiment":"neutral","sentiment_score":0.04946806654334068},{"text":"So your your super fund, just like you do, your super fund does a tax return every single year.","start":597.42,"end":603.04,"sentiment":"neutral","sentiment_score":0.0819301524836766},{"text":"So when we do buy and sell assets and make changes to your investment portfolio, there is definitely capital gains tax, and your super fund makes discount at that.","start":603.18,"end":611.565,"sentiment":"neutral","sentiment_score":-0.0026177886937712802},{"text":"Yeah.","start":611.565,"end":612.065,"sentiment":"neutral","sentiment_score":-0.01789192110300064}],"sentiment":"neutral","sentiment_score":0.03047815682914327,"num_words":51,"start":596.69995,"end":612.065},{"sentences":[{"text":"That's exactly right.","start":614.045,"end":615.485,"sentiment":"neutral","sentiment_score":0.031482828160127006},{"text":"Yeah.","start":615.485,"end":615.985,"sentiment":"neutral","sentiment_score":0.1169545203447342},{"text":"Now we are recommending that you do move into the updated Q Financial number six high growth portfolio there.","start":616.685,"end":624.385,"sentiment":"neutral","sentiment_score":0.1373757092576278},{"text":"We have noted that with not sure if we spoke about it before, but in early January when we sort of touched base, there had been some changes to some of the investments and the way the markets were reacting.","start":624.89996,"end":635.63995,"sentiment":"neutral","sentiment_score":-0.15225673159584402},{"text":"Then along Australian equities, which was in your original portfolio, has been underperforming.","start":636.1,"end":640.275,"sentiment":"negative","sentiment_score":-0.35312321667487806}],"sentiment":"neutral","sentiment_score":-0.10341223157746227,"num_words":76,"start":614.045,"end":640.275},{"sentences":[{"text":"So we have made a decision to remove that from the portfolios and look at moving you into something else.","start":640.655,"end":646.355,"sentiment":"neutral","sentiment_score":-0.2607726838439703},{"text":"Because you are still quite young, you've got a bit of time ahead of you, you are still able to have that active management in your sort of portfolio.","start":646.735,"end":653.94,"sentiment":"neutral","sentiment_score":-0.0009230827463084254},{"text":"So I am recommending that whilst we are moving you with a high growth portfolio there, that we remove them along from that.","start":654.08,"end":660.56,"sentiment":"neutral","sentiment_score":-0.009455323705206747},{"text":"We're selling all of that and replacing it with the Affinity Australian Share Fund.","start":660.56,"end":664.815,"sentiment":"neutral","sentiment_score":0.20273035897740296},{"text":"It's essentially making sure that you still got that active manager in your portfolio, that you can get those greater potential returns moving forward.","start":664.895,"end":672.255,"sentiment":"positive","sentiment_score":0.524794219682614}],"sentiment":"neutral","sentiment_score":0.09066900705749338,"num_words":110,"start":640.655,"end":672.255},{"sentences":[{"text":"It's still giving you access to the Australian equities portion.","start":672.495,"end":675.475,"sentiment":"positive","sentiment_score":0.4574046492576599},{"text":"However, the Affinity, fund is actually a little bit cheaper than Bennelong was, and they tend to hold a few more investments over Bennelong.","start":675.535,"end":682.22,"sentiment":"positive","sentiment_score":0.42601624752084416},{"text":"So they can also make it a little bit more give you more diversification essentially whilst making the investments a bit cheaper, which is a benefit for you as well.","start":682.27997,"end":692.12,"sentiment":"positive","sentiment_score":0.6271265308062236},{"text":"Okay?","start":692.12,"end":692.62,"sentiment":"positive","sentiment_score":0.3605527579784394},{"text":"Perfect.","start":694.58496,"end":695.08496,"sentiment":"positive","sentiment_score":0.6826737523078918}],"sentiment":"positive","sentiment_score":0.5250827101143923,"num_words":66,"start":672.495,"end":695.08496},{"sentences":[{"text":"We are recommending that you do continue all contributions to go into the hub twenty four funds, so no changes there for you at all.","start":695.625,"end":702.265,"sentiment":"neutral","sentiment_score":0.32161489844322205},{"text":"Okay?","start":702.265,"end":702.765,"sentiment":"neutral","sentiment_score":0.28755098581314087},{"text":"With all the recommendations, as I kinda mentioned before, we do make sure they are in your best interest.","start":703.46497,"end":707.97,"sentiment":"positive","sentiment_score":0.36552502136481435},{"text":"So with regard to all the recommendations on these pages, you will see a best interest statement there.","start":708.44995,"end":713.49,"sentiment":"neutral","sentiment_score":0.23664472583267424},{"text":"So, essentially, this is in your best interest because replacing the underperforming investments allows you to retain and remain invested in the portfolio that is aligned with your risk profile, Removing those underperforming assets and replacing with something that has such generated potential return can help you long term whilst maintaining a level of risk that is consistent with your goals and objectives there.","start":713.49,"end":734.655,"sentiment":"positive","sentiment_score":0.35575751042051706}],"sentiment":"neutral","sentiment_score":0.33307861877737316,"num_words":127,"start":695.625,"end":734.655},{"sentences":[{"text":"Maintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well.","start":734.79504,"end":748.31995,"sentiment":"positive","sentiment_score":0.3349961376771694},{"text":"So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well.","start":748.54,"end":759.125,"sentiment":"positive","sentiment_score":0.6640133902430534},{"text":"Okay?","start":759.125,"end":759.625,"sentiment":"neutral","sentiment_score":0.13205896317958832},{"text":"Underneath that, you'll see the advantages, the disadvantages, and the risks involved.","start":761.045,"end":764.645,"sentiment":"neutral","sentiment_score":-0.03450839687138796},{"text":"I'll let you go back and have a bit of a read through these later.","start":764.645,"end":767.545,"sentiment":"neutral","sentiment_score":0.1796964645385742}],"sentiment":"positive","sentiment_score":0.39182369195676725,"num_words":109,"start":734.79504,"end":767.545},{"sentences":[{"text":"But, essentially, as I've kind of gone through making sure retaining hub twenty four can limit the CGT consequences, removing that along and placing it with Affinity still gives you access to an actively managed investment given you're young and still have a lot of time ahead of you.","start":767.79,"end":781.575,"sentiment":"positive","sentiment_score":0.3880461971370541},{"text":"The recommended portfolio we are popping you into has has seen greater greater past performance than what their current one is.","start":781.895,"end":789.255,"sentiment":"positive","sentiment_score":0.5400108467964899},{"text":"So we can, if the markets perform the same way or do better, see it puts you in a better position moving forward there as well.","start":789.255,"end":795.815,"sentiment":"positive","sentiment_score":0.5928814984284915},{"text":"Okay?","start":795.815,"end":796.315,"sentiment":"neutral","sentiment_score":0.10222932696342468},{"text":"Yeah.","start":796.695,"end":797.195,"sentiment":"neutral","sentiment_score":0.09920385479927064}],"sentiment":"positive","sentiment_score":0.4690902406463818,"num_words":98,"start":767.79,"end":797.195},{"sentences":[{"text":"Yes.","start":797.37994,"end":797.87994,"sentiment":"neutral","sentiment_score":0.09935574233531952},{"text":"Yeah.","start":800.74,"end":801.24,"sentiment":"neutral","sentiment_score":-0.02790701761841774},{"text":"Yeah.","start":802.5,"end":802.98,"sentiment":"neutral","sentiment_score":0.1911215782165527},{"text":"Absolutely.","start":802.98,"end":803.48,"sentiment":"neutral","sentiment_score":0.3065554201602936},{"text":"What I'll get you to do is if you scroll down to page number 17 for you, I can actually show you what that looks like.","start":803.69995,"end":809.685,"sentiment":"neutral","sentiment_score":0.181548668214908}],"sentiment":"neutral","sentiment_score":0.17631303655604522,"num_words":30,"start":797.37994,"end":809.685},{"sentences":[{"text":"Yeah.","start":810.885,"end":811.385,"sentiment":"neutral","sentiment_score":0.06886172294616699},{"text":"That's okay.","start":811.445,"end":812.185,"sentiment":"neutral","sentiment_score":0.17042306810617447},{"text":"Perfect.","start":815.285,"end":815.785,"sentiment":"positive","sentiment_score":0.471509724855423},{"text":"So you'll see here we've got your current table, which shows your current investment portfolio, the amount you have in super there, and the administration fees, investment fees, and any other fees applicable to the account.","start":816.005,"end":826.89,"sentiment":"neutral","sentiment_score":0.19986486331456238},{"text":"You've got your ongoing service fee for us looking after everything for you and your contributions going in there as well.","start":826.95,"end":832.81,"sentiment":"neutral","sentiment_score":0.3176295743102119}],"sentiment":"neutral","sentiment_score":0.24174711022709236,"num_words":61,"start":810.885,"end":832.81},{"sentences":[{"text":"Underneath that, you do also have you in a growth portfolio, and it was showing the three year rolling average there.","start":833.19,"end":838.605,"sentiment":"neutral","sentiment_score":0.22789617618989377},{"text":"We've had to use the three year as some investments haven't given us a five year rolling average, but it's averaged about 14.56%.","start":838.605,"end":845.905,"sentiment":"neutral","sentiment_score":0.022359596079458362},{"text":"With the high growth portfolio that we wanna move you into, you will see a difference in the balance starting at the top, and that's the $892.","start":846.125,"end":854.05,"sentiment":"neutral","sentiment_score":0.21173340413305494},{"text":"That's just the ADT consequences for making those changes there.","start":854.05,"end":857.97,"sentiment":"neutral","sentiment_score":0.1011606965214014},{"text":"Okay?","start":857.97,"end":858.47,"sentiment":"neutral","sentiment_score":0.0825672298669815}],"sentiment":"neutral","sentiment_score":0.14769593312791207,"num_words":82,"start":833.19,"end":858.47},{"sentences":[{"text":"So starting balance would come down a little bit due to the CDT once we complete the investment switch.","start":859.73,"end":864.585,"sentiment":"neutral","sentiment_score":0.0850257061814007},{"text":"There's no change to the administration fees, but we do work out in having a look at the newer portfolio.","start":865.065,"end":869.885,"sentiment":"neutral","sentiment_score":0.2348258350044489},{"text":"It is saving you for the first year about a $143 in investment fees and no changes to any other fees applicable to the fund there.","start":870.10504,"end":878.1,"sentiment":"neutral","sentiment_score":0.30014878712021387},{"text":"You do notice the ongoing service fee does increase a little bit as we expect growth in the funds.","start":878.57996,"end":884.18,"sentiment":"neutral","sentiment_score":0.060359011747335135},{"text":"So our ongoing service fee is 1.65% and alters with the performance of the portfolio there.","start":884.18,"end":889.77997,"sentiment":"neutral","sentiment_score":0.039640156202949584}],"sentiment":"neutral","sentiment_score":0.15896937305107714,"num_words":100,"start":859.73,"end":889.77997},{"sentences":[{"text":"Okay?","start":889.77997,"end":890.27997,"sentiment":"neutral","sentiment_score":0.04375079274177551},{"text":"And then your contributions.","start":891.20496,"end":892.58496,"sentiment":"neutral","sentiment_score":0.040046608075499535},{"text":"And I've also got there the insurance premium.","start":892.64496,"end":894.885,"sentiment":"neutral","sentiment_score":0.04264087323099375},{"text":"So one thing we are factoring into the advice is the life and CBD component.","start":894.885,"end":898.745,"sentiment":"neutral","sentiment_score":0.08331897954146067},{"text":"They will be paid out as super, so the insurance premium's there as well showing you the effect.","start":899.125,"end":904.345,"sentiment":"neutral","sentiment_score":0.09989314360751046}],"sentiment":"neutral","sentiment_score":0.07810707584671352,"num_words":46,"start":889.77997,"end":904.345},{"sentences":[{"text":"With the high growth portfolio, it has seen with it utilizing the three year rolling average a greater potential return.","start":904.82996,"end":911.14996,"sentiment":"neutral","sentiment_score":0.22891628593206406},{"text":"So it has, over the past three years, have averaged about a 17.01% return.","start":911.14996,"end":916.61,"sentiment":"neutral","sentiment_score":0.234794411276068},{"text":"Now I definitely don't think you're gonna get 17% every year moving forward, but if the markets do perform the way they have over the past, if the portfolio performs the way it has, you could see yourself over the next ten years increase your super balance up to about 900,144 as you'll see a little bit below there.","start":916.90497,"end":935.32996,"sentiment":"neutral","sentiment_score":0.09426782305462886},{"text":"Okay.","start":935.38995,"end":935.88995,"sentiment":"neutral","sentiment_score":0.10905347764492036},{"text":"Yeah.","start":936.67,"end":937.17,"sentiment":"neutral","sentiment_score":0.15286549925804138}],"sentiment":"neutral","sentiment_score":0.14409650540665575,"num_words":95,"start":904.82996,"end":937.17},{"sentences":[{"text":"I see.","start":937.23,"end":937.88995,"sentiment":"neutral","sentiment_score":0.28266000747680664},{"text":"So that's okay.","start":938.18994,"end":939.32996,"sentiment":"neutral","sentiment_score":0.2365025927623113},{"text":"So the advantages are that this portfolio has performed greater over the past.","start":939.38995,"end":943.32996,"sentiment":"positive","sentiment_score":0.3967807934834407},{"text":"It is saving you in the way of investment fees a bit.","start":943.64496,"end":946.045,"sentiment":"positive","sentiment_score":0.4232555056611697},{"text":"So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you.","start":946.045,"end":952.365,"sentiment":"positive","sentiment_score":0.4770498844710263}],"sentiment":"positive","sentiment_score":0.4232142622081133,"num_words":52,"start":937.23,"end":952.365},{"sentences":[{"text":"It is limiting the CDT.","start":952.365,"end":953.90497,"sentiment":"neutral","sentiment_score":-0.3224712759256363},{"text":"So the CDT has been reduced down to about 892, which is really important to try and reduce as much as possible.","start":954.52496,"end":960.69,"sentiment":"neutral","sentiment_score":-0.012405993924899534},{"text":"And we can see, so long as things work the same way, that it can provide greater potential growth in the future for you.","start":961.07,"end":967.39,"sentiment":"positive","sentiment_score":0.5690571181476116},{"text":"Okay?","start":967.39,"end":967.89,"sentiment":"neutral","sentiment_score":0.3165244460105896},{"text":"That's okay.","start":969.63,"end":970.45,"sentiment":"positive","sentiment_score":0.36888888478279114}],"sentiment":"neutral","sentiment_score":0.23752564453968295,"num_words":54,"start":952.365,"end":970.45},{"sentences":[{"text":"On the next page there, it does also note the twelve and three year performance of the two different portfolios just so you can kinda see the difference there as well.","start":970.925,"end":978.545,"sentiment":"neutral","sentiment_score":0.13188447082234966},{"text":"Okay?","start":978.605,"end":979.105,"sentiment":"neutral","sentiment_score":0.19103014469146729},{"text":"Perfect.","start":980.045,"end":980.545,"sentiment":"positive","sentiment_score":0.5107448101043701},{"text":"If you scroll back up for me, just the page number 16, this is just outlining essentially the risk profile with the existing and the proposed.","start":981.40497,"end":989.92004,"sentiment":"neutral","sentiment_score":0.07265311823441432},{"text":"So as I kinda went through at the moment, you are in more of a growth portfolio, which generally sees about 80% of your super invested in growth assets.","start":990.06006,"end":997.74005,"sentiment":"neutral","sentiment_score":0.07969734676439187}],"sentiment":"neutral","sentiment_score":0.10216361000625925,"num_words":88,"start":970.925,"end":997.74005},{"sentences":[{"text":"So things like Australian shares, international shares.","start":997.74005,"end":1001.055,"sentiment":"neutral","sentiment_score":0.046563842466899326},{"text":"We don't really have a lot of property in our portfolios, but alternatives like gold and silver as well.","start":1001.355,"end":1006.575,"sentiment":"neutral","sentiment_score":0.04125803841375991},{"text":"And then you would generally see around about 20% in defensive investments, so things like fixed interest, defensive alternatives, and also cash investments there as well.","start":1006.635,"end":1015.72003,"sentiment":"neutral","sentiment_score":0.09289342709458791},{"text":"With your existing portfolio, you're actually 88.55% in those growth investments and showing 11.45% in those defensive investments.","start":1016.1,"end":1025.32,"sentiment":"neutral","sentiment_score":0.1543729669517941},{"text":"With the portfolio that was just kinda gone through there, you essentially see about 91.84% in those growth investments.","start":1025.7,"end":1033.475,"sentiment":"neutral","sentiment_score":0.15260408661867442}],"sentiment":"neutral","sentiment_score":0.10340752564579918,"num_words":89,"start":997.74005,"end":1033.475},{"sentences":[{"text":"So you're increasing the growth side of things and decreasing the defensive side there.","start":1033.475,"end":1038.2949,"sentiment":"neutral","sentiment_score":0.14335509868604795},{"text":"The growth investments are taking on a bit more risk, but you wanna get greater potential returns there as well, and then reducing the defensive investments down to about 8.16.","start":1038.595,"end":1048.29,"sentiment":"neutral","sentiment_score":0.11362841812272867},{"text":"Okay?","start":1048.43,"end":1048.93,"sentiment":"neutral","sentiment_score":0.06170469522476196},{"text":"If you wanted to see what the investment portfolio looked like, if you go back up one more page there for me to the investment side of things, you'll actually see all the individual investments that we are looking at there.","start":1050.75,"end":1062.805,"sentiment":"neutral","sentiment_score":0.07274617845328843},{"text":"So when we're kinda looking at the buyers and sales, which is the one, two, three, four, fifth column along, you'll actually see there that we're sort of selling the bank hybrids there.","start":1063.345,"end":1072.465,"sentiment":"neutral","sentiment_score":0.0803393130049561}],"sentiment":"neutral","sentiment_score":0.0933724308089048,"num_words":119,"start":1033.475,"end":1072.465},{"sentences":[{"text":"We're selling the the agriculture.","start":1072.465,"end":1074.93,"sentiment":"neutral","sentiment_score":0.10048516690731049},{"text":"We're keep we're keeping some of the physical gold, but just kinda rebalancing it down a little bit there for you.","start":1075.7101,"end":1081.3301,"sentiment":"neutral","sentiment_score":0.1066489601064296},{"text":"We're also buying into some cybersecurity, keeping and just rebalancing the S and P 500 to keep you balanced and in line with that grace high growth portfolio.","start":1081.7101,"end":1091.885,"sentiment":"positive","sentiment_score":0.35596853707517895},{"text":"We're also selling some of the Raffy 200, but keeping it, you'll still still have about 15% in that once we complete the rebalance then.","start":1092.505,"end":1101.23,"sentiment":"neutral","sentiment_score":0.162621585726738},{"text":"We're getting rid of all of the Bannalongs, so you'll have no Bannalong left in the portfolio.","start":1101.45,"end":1105.47,"sentiment":"neutral","sentiment_score":0.03998802843339303}],"sentiment":"neutral","sentiment_score":0.1818178037647158,"num_words":96,"start":1072.465,"end":1105.47},{"sentences":[{"text":"And then with the ClearBridge infrastructure fund, completely getting rid of that as well.","start":1106.09,"end":1110.35,"sentiment":"neutral","sentiment_score":0.06648486985691957},{"text":"And then also rebalancing and keeping some of the India investment.","start":1110.6499,"end":1114.865,"sentiment":"neutral","sentiment_score":0.0968820181759921},{"text":"On the next page there, the global shares, all the rebalancing.","start":1115.725,"end":1119.105,"sentiment":"neutral","sentiment_score":0.11809786680069836},{"text":"So we are buying into that one.","start":1119.485,"end":1121.245,"sentiment":"neutral","sentiment_score":0.22342828980513982},{"text":"You have about 7% in there.","start":1121.245,"end":1123.265,"sentiment":"neutral","sentiment_score":0.2511880273620288}],"sentiment":"neutral","sentiment_score":0.1299325123581351,"num_words":49,"start":1106.09,"end":1123.265},{"sentences":[{"text":"Alphinity, you'll see 10% invested in there once we complete the buy of that one, and that's replacing the Benelon that we are selling all of.","start":1123.325,"end":1131.22,"sentiment":"neutral","sentiment_score":0.2894603621501189},{"text":"And then you'll still also have 15% of the JPMorgan Research enhanced equity fund.","start":1131.36,"end":1136.34,"sentiment":"neutral","sentiment_score":0.2919782463993345},{"text":"And then also within the portfolio, you do have about 1.25% in hub 24 in cash, which has to remain there to kind of cover the cost of ongoing expenses like administration fees and our ongoing service fees and things like that.","start":1136.64,"end":1149.955,"sentiment":"neutral","sentiment_score":0.1452165905918394},{"text":"So you'll see once we've kinda completed the rebalance, at the end of it, you'll end up with having some of the bank hybrids there, just a small component around 7% for defensive investments, some physical gold with which is a growth asset, but it also works defensively at certain times.","start":1149.955,"end":1165.2201,"sentiment":"neutral","sentiment_score":0.2240492444412381},{"text":"And with the volatility we are seeing at the moment, having some physical gold in there is always a benefit.","start":1165.2201,"end":1170.3601,"sentiment":"neutral","sentiment_score":0.1288756739348173}],"sentiment":"neutral","sentiment_score":0.2072992589251668,"num_words":153,"start":1123.325,"end":1170.3601},{"sentences":[{"text":"Some cybersecurity will be in there as well.","start":1171.885,"end":1174.365,"sentiment":"neutral","sentiment_score":0.18294832482933998},{"text":"Having about 7% there is more of a thematic kind of ETF investment, so you're wanting to branch out to try and get greater growth.","start":1174.365,"end":1180.765,"sentiment":"neutral","sentiment_score":0.1980643916130066},{"text":"And cybersecurity, whilst having some ups and downs, is still a very big player in the market.","start":1180.765,"end":1185.505,"sentiment":"neutral","sentiment_score":0.10396871398038723},{"text":"And moving forward, the governments are putting a lot of money into cybersecurity in areas like that.","start":1185.6499,"end":1190.3899,"sentiment":"neutral","sentiment_score":0.18351104110479355},{"text":"The S and P 500, it's more one of your standard sort of core investments in the portfolio.","start":1191.33,"end":1198.1499,"sentiment":"neutral","sentiment_score":0.1943055788675944}],"sentiment":"neutral","sentiment_score":0.17411591347087832,"num_words":85,"start":1171.885,"end":1198.1499},{"sentences":[{"text":"We would see about 25% invested in there.","start":1198.605,"end":1201.565,"sentiment":"neutral","sentiment_score":0.051999811083078384},{"text":"Whilst the markets in The US and Australia have seen lots of ups and downs at the moment, they are still good to hold.","start":1201.565,"end":1207.405,"sentiment":"neutral","sentiment_score":-0.19115791042956212},{"text":"We wanna make sure we're holding through that.","start":1207.405,"end":1209.485,"sentiment":"neutral","sentiment_score":-0.0645499313250184},{"text":"And one of the benefits of the S and P 500 is that whilst you're looking at the top 500 companies in The US, they have to they the companies have to meet a certain criteria.","start":1209.485,"end":1219.3099,"sentiment":"neutral","sentiment_score":0.24005282442602846},{"text":"So the index actually looks at what companies are in the S and P 500 every quarter, and if they no longer meet that criteria, they get removed and replaced with something else.","start":1219.85,"end":1230.345,"sentiment":"neutral","sentiment_score":0.11531318283893845}],"sentiment":"neutral","sentiment_score":0.07118390734657781,"num_words":109,"start":1198.605,"end":1230.345},{"sentences":[{"text":"So you are always invested in the 500 companies in The US.","start":1230.4249,"end":1234.445,"sentiment":"neutral","sentiment_score":0.13903876145680746},{"text":"And as much as The US is seeing a lot of volatility and as is the straight equities at the moment, over the course of the you know, when you look at over time over ten, twenty, or thirty years, staying invested in The US still does provide great returns.","start":1234.745,"end":1248.4501,"sentiment":"neutral","sentiment_score":0.09949337638914585},{"text":"Okay?","start":1248.75,"end":1249.23,"sentiment":"neutral","sentiment_score":0.18959391117095947},{"text":"Does that make sense?","start":1249.23,"end":1250.29,"sentiment":"neutral","sentiment_score":0.17390211299061775},{"text":"Perfect.","start":1252.03,"end":1252.53,"sentiment":"positive","sentiment_score":0.5996007323265076}],"sentiment":"neutral","sentiment_score":0.11952848606469,"num_words":68,"start":1230.4249,"end":1252.53},{"sentences":[{"text":"We've also got the beta shares Rafi 200 there.","start":1253.0701,"end":1255.7101,"sentiment":"positive","sentiment_score":0.36728553970654804},{"text":"You'll see about 15% invested in that.","start":1255.7101,"end":1258.155,"sentiment":"neutral","sentiment_score":0.290969974228314},{"text":"That, again, is another one of those good core investments to hold.","start":1258.155,"end":1261.2151,"sentiment":"positive","sentiment_score":0.4160889759659767},{"text":"Australian equities, again, have seen great potential returns over the past couple of years.","start":1261.595,"end":1267.115,"sentiment":"positive","sentiment_score":0.41753933685166494},{"text":"They are seeing a bit of volatility at the moment because we do tend to follow suit when it comes to The US.","start":1267.115,"end":1271.7,"sentiment":"neutral","sentiment_score":-0.007032663601896037}],"sentiment":"neutral","sentiment_score":0.24644964371736233,"num_words":65,"start":1253.0701,"end":1271.7},{"sentences":[{"text":"However, it is really important to still hold some Australian equities in there.","start":1271.94,"end":1275.5599,"sentiment":"neutral","sentiment_score":-0.0280052932122579},{"text":"We're getting rid of the Banda Long and the ClearBridge so that will have none invested.","start":1276.4199,"end":1281.08,"sentiment":"neutral","sentiment_score":-0.029213590285507962},{"text":"The India will be about 7%.","start":1281.22,"end":1283.1399,"sentiment":"neutral","sentiment_score":-0.0018194274355967839},{"text":"So, again, this is more of a thematic kind of investment.","start":1283.1399,"end":1285.62,"sentiment":"neutral","sentiment_score":0.08191433311863379},{"text":"We're looking at some of the top country companies within the Indian market, and they have seen some good growth over the past couple of years.","start":1285.62,"end":1292.515,"sentiment":"neutral","sentiment_score":0.29628332131184065}],"sentiment":"neutral","sentiment_score":0.10780584996488567,"num_words":72,"start":1271.94,"end":1292.515},{"sentences":[{"text":"We've got the global health care.","start":1292.975,"end":1294.735,"sentiment":"neutral","sentiment_score":0.32261383533477783},{"text":"So giving you access to global health care.","start":1294.735,"end":1296.815,"sentiment":"neutral","sentiment_score":0.3214356489479542},{"text":"Health care since COVID has been one of those big spots, and this is not just looking at doctors' offices and things.","start":1296.815,"end":1301.935,"sentiment":"neutral","sentiment_score":0.1401142980903387},{"text":"This is looking at, like, cybersecurity within health care.","start":1301.935,"end":1305.3301,"sentiment":"neutral","sentiment_score":0.1292625872625245},{"text":"It's looking at the technology side of things within health care.","start":1305.3301,"end":1308.05,"sentiment":"neutral","sentiment_score":0.15123350308700043}],"sentiment":"neutral","sentiment_score":0.18601097465891922,"num_words":56,"start":1292.975,"end":1308.05},{"sentences":[{"text":"So there are a lot of advantages and changes coming to the health care sector with the robotics and the IT side of things.","start":1308.05,"end":1313.8301,"sentiment":"positive","sentiment_score":0.43406111871202785},{"text":"So this is also encompassing some of those sorts of areas for you as well.","start":1313.9701,"end":1318.065,"sentiment":"neutral","sentiment_score":0.32434431711832684},{"text":"And then you would also see about 10% in the Affinity Share Funds.","start":1318.625,"end":1322.3849,"sentiment":"neutral","sentiment_score":0.22305782024676984},{"text":"So giving you a bit of an actively managed component, we wanna make sure we review this with you on a regular basis.","start":1322.3849,"end":1328.465,"sentiment":"neutral","sentiment_score":0.20278296587259872},{"text":"So if this investment does need to be moved in the future, that we're able to remove that for you and alter your portfolio.","start":1328.465,"end":1334.1799,"sentiment":"neutral","sentiment_score":0.004041066703697045}],"sentiment":"neutral","sentiment_score":0.23175128368717252,"num_words":99,"start":1308.05,"end":1334.1799},{"sentences":[{"text":"And then the JPMorgan Global Enhanced Research in equity fund, this is looking at they utilize JPMorgan's research team, and they're looking at investments globally in areas of great growth.","start":1334.88,"end":1348.315,"sentiment":"neutral","sentiment_score":0.1777524178226789},{"text":"So it's giving you a little bit of a little bit of active management in there.","start":1348.315,"end":1353.115,"sentiment":"neutral","sentiment_score":0.27595953922718763},{"text":"If only a small portion actively managed, but they are looking at globally.","start":1353.115,"end":1357.295,"sentiment":"neutral","sentiment_score":0.12750969884487298},{"text":"So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good.","start":1357.355,"end":1361.0227,"sentiment":"positive","sentiment_score":0.4714622604846954},{"text":"And then, obviously, the to help you do that is really good.","start":1361.0227,"end":1363.87,"sentiment":"positive","sentiment_score":0.601041259864966}],"sentiment":"neutral","sentiment_score":0.3167146133103718,"num_words":96,"start":1334.88,"end":1363.87},{"sentences":[{"text":"And then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out.","start":1364.8099,"end":1374.285,"sentiment":"neutral","sentiment_score":0.17383827712084796},{"text":"You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system.","start":1374.4451,"end":1383.885,"sentiment":"neutral","sentiment_score":0.1160936860833317},{"text":"So they have, like, a set time of the month where they go through, and they might buy and sell certain investments.","start":1383.885,"end":1389.26,"sentiment":"neutral","sentiment_score":0.11290689219128001},{"text":"It's kind of a cash run.","start":1389.26,"end":1390.88,"sentiment":"neutral","sentiment_score":0.1594401771823565},{"text":"It's making sure they do top up the cash in your super fund, or if you have too much, they'll start to buy into some investments.","start":1391.18,"end":1397.3601,"sentiment":"neutral","sentiment_score":0.1452051828113886}],"sentiment":"neutral","sentiment_score":0.14116212725639343,"num_words":123,"start":1364.8099,"end":1397.3601},{"sentences":[{"text":"That way, you don't have too much sitting there.","start":1397.42,"end":1399.5,"sentiment":"neutral","sentiment_score":0.17593579242626825},{"text":"So that does happen around about the twentieth of every month.","start":1399.5,"end":1402.855,"sentiment":"neutral","sentiment_score":0.11292486434633081},{"text":"Okay?","start":1402.915,"end":1403.415,"sentiment":"neutral","sentiment_score":0.05067182332277298},{"text":"Perfect.","start":1404.995,"end":1405.495,"sentiment":"neutral","sentiment_score":0.2670696973800659},{"text":"Do you have any questions about any of that so far?","start":1405.955,"end":1408.775,"sentiment":"neutral","sentiment_score":0.0975820158015598}],"sentiment":"neutral","sentiment_score":0.12777997982321362,"num_words":33,"start":1397.42,"end":1408.775},{"sentences":[{"text":"No?","start":1410.275,"end":1410.755,"sentiment":"neutral","sentiment_score":0.03534392639994621},{"text":"Perfect.","start":1410.755,"end":1411.255,"sentiment":"neutral","sentiment_score":0.2376398593187332},{"text":"Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you.","start":1412.13,"end":1418.55,"sentiment":"neutral","sentiment_score":0.14405533197251233},{"text":"So beautiful.","start":1421.5701,"end":1422.55,"sentiment":"positive","sentiment_score":0.7927420735359192},{"text":"So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there.","start":1422.93,"end":1437.325,"sentiment":"neutral","sentiment_score":0.18800003603100776}],"sentiment":"neutral","sentiment_score":0.1898379873386339,"num_words":76,"start":1410.275,"end":1437.325},{"sentences":[{"text":"I have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich.","start":1437.705,"end":1444.72,"sentiment":"neutral","sentiment_score":0.05077743756451777},{"text":"So Zurich are one of Australia's largest insurers.","start":1444.72,"end":1446.88,"sentiment":"neutral","sentiment_score":0.09582511708140373},{"text":"They have been around for a really long time, and they offered the best rate available to you.","start":1446.88,"end":1451.46,"sentiment":"neutral","sentiment_score":0.15060143255525166},{"text":"Essentially, for the first year's premium to be deducted from your super fund for the recommended amount of cover, it's just gonna cost about a $190.01, so very cheap to have that license TBD.","start":1451.9199,"end":1463.3049,"sentiment":"neutral","sentiment_score":0.1905958615243435},{"text":"Essentially, underneath that, you'll see the amount of 223 and 54¢ there.","start":1464.325,"end":1469.9401,"sentiment":"neutral","sentiment_score":0.09134690294211562}],"sentiment":"neutral","sentiment_score":0.1250936383701334,"num_words":100,"start":1437.705,"end":1469.9401},{"sentences":[{"text":"That's how much the insurer actually receives the premium.","start":1470.24,"end":1472.9601,"sentiment":"neutral","sentiment_score":0.15097391025887597},{"text":"You get a bit of a 15% rebate or a discount on the policy, so you'll only pay the $1.90 out of your super fund for the best year.","start":1472.9601,"end":1479.86,"sentiment":"neutral","sentiment_score":0.2224518004162558},{"text":"Underneath that, you've got your best interest, Judy.","start":1480.8,"end":1483.12,"sentiment":"neutral","sentiment_score":0.05674070745590143},{"text":"So the amount of cover recommended is in in line with what you wanted, and we'll review that with you regularly to make sure it stays in line with what you're after.","start":1483.12,"end":1490.9149,"sentiment":"neutral","sentiment_score":0.0866596611449495},{"text":"You do need to go through, essentially, an application.","start":1491.375,"end":1493.7949,"sentiment":"neutral","sentiment_score":-0.019891638826164935}],"sentiment":"neutral","sentiment_score":0.12480318932472889,"num_words":87,"start":1470.24,"end":1493.7949},{"sentences":[{"text":"So they will look at your health.","start":1493.9349,"end":1495.135,"sentiment":"neutral","sentiment_score":-0.01723268228982176},{"text":"There's nothing that was really flagged with anything that we spoke about to to note that it could be any loadings or exclusions.","start":1495.135,"end":1500.77,"sentiment":"neutral","sentiment_score":-0.11507218428280043},{"text":"But if there is anything that comes out in the application, there could be loadings or exclusions applied to the policy.","start":1500.83,"end":1506.77,"sentiment":"neutral","sentiment_score":-0.13536169096117928},{"text":"Well, it's all good.","start":1507.7899,"end":1510.5299,"sentiment":"neutral","sentiment_score":0.33238790184259415},{"text":"When you do go through the application with my colleague, Jack, he'll probably flag it with me if there's anything that we need to maybe review.","start":1510.75,"end":1517.115,"sentiment":"neutral","sentiment_score":0.06597817323815364}],"sentiment":"neutral","sentiment_score":-0.03166543719945131,"num_words":81,"start":1493.9349,"end":1517.115},{"sentences":[{"text":"But when you and I spoke last time, there was nothing of concern that really showed us there was gonna be anything on the on the policy as a loading or exclusion.","start":1517.495,"end":1525.195,"sentiment":"negative","sentiment_score":-0.3337638627272099},{"text":"It gives you that level of cover in the event that something was to happen.","start":1525.75,"end":1528.71,"sentiment":"positive","sentiment_score":0.48319600025812787},{"text":"And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released.","start":1528.71,"end":1537.6699,"sentiment":"neutral","sentiment_score":0.30021114330048915},{"text":"So it makes sure your family gets an extra benefit with the life cover.","start":1537.6699,"end":1541.705,"sentiment":"positive","sentiment_score":0.5409547409840992},{"text":"Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well.","start":1541.705,"end":1548.1849,"sentiment":"positive","sentiment_score":0.3819049047651114}],"sentiment":"neutral","sentiment_score":0.19615648754912873,"num_words":115,"start":1517.495,"end":1548.1849},{"sentences":[{"text":"Okay?","start":1548.1849,"end":1548.6849,"sentiment":"neutral","sentiment_score":0.22969397902488708},{"text":"Perfect.","start":1550.105,"end":1550.605,"sentiment":"positive","sentiment_score":0.5940219163894653},{"text":"On the next page there, one of the important things to kinda note is that when you are paying for the insurance premiums out of super, it does have an effect.","start":1551.96,"end":1559.82,"sentiment":"neutral","sentiment_score":0.3195177980007664},{"text":"And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns it has received.","start":1559.88,"end":1568.515,"sentiment":"neutral","sentiment_score":0.2501587229780853},{"text":"You'll see that we've got the same table again, but at the very end, it's got the no insurance option.","start":1568.895,"end":1573.9349,"sentiment":"neutral","sentiment_score":0.19085764549672604}],"sentiment":"neutral","sentiment_score":0.26530587857260424,"num_words":85,"start":1548.1849,"end":1573.9349},{"sentences":[{"text":"So, essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much.","start":1573.9349,"end":1580.31,"sentiment":"neutral","sentiment_score":0.2860658082522844},{"text":"However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment.","start":1580.8701,"end":1591.6101,"sentiment":"neutral","sentiment_score":0.2069786683871196},{"text":"Okay?","start":1591.67,"end":1592.17,"sentiment":"neutral","sentiment_score":0.17863859236240387},{"text":"Perfect.","start":1593.6849,"end":1594.1849,"sentiment":"positive","sentiment_score":0.6713377237319946},{"text":"Yeah.","start":1595.365,"end":1595.845,"sentiment":"positive","sentiment_score":0.4954542517662048}],"sentiment":"neutral","sentiment_score":0.24348932773363394,"num_words":61,"start":1573.9349,"end":1595.845},{"sentences":[{"text":"Beautiful.","start":1595.845,"end":1596.345,"sentiment":"positive","sentiment_score":0.7047600746154785},{"text":"The advantages, disadvantages, and the risks involved are also noted out there for you as well.","start":1597.205,"end":1601.7649,"sentiment":"positive","sentiment_score":0.41944286320358515},{"text":"So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover.","start":1601.7649,"end":1610.26,"sentiment":"positive","sentiment_score":0.5284840528454099},{"text":"So every year that you do happen to keep the cover in place, you don't have to reapply or anything.","start":1610.26,"end":1615.7,"sentiment":"positive","sentiment_score":0.4743270829319954},{"text":"The insurances are just renewed each year.","start":1615.7,"end":1618.04,"sentiment":"positive","sentiment_score":0.4165706591946738}],"sentiment":"positive","sentiment_score":0.48077688386870754,"num_words":72,"start":1595.845,"end":1618.04},{"sentences":[{"text":"Increasing claims, essentially, if you're on a claim, it can obviously make sure that that the claim is paid out along with c p CPI.","start":1618.42,"end":1625.415,"sentiment":"positive","sentiment_score":0.48654956221580503},{"text":"And we have what's called a last buyback option here as well.","start":1626.035,"end":1628.995,"sentiment":"neutral","sentiment_score":0.23697637595857182},{"text":"So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy.","start":1628.995,"end":1637.895,"sentiment":"neutral","sentiment_score":0.11577478051185608},{"text":"It essentially means that in the event of a claim for TPD, your TPD payment is paid out.","start":1638.27,"end":1643.39,"sentiment":"neutral","sentiment_score":0.11940424475404951},{"text":"And then because we have attached the policy to your life, it does actually wipe your life policy out.","start":1643.39,"end":1648.4501,"sentiment":"neutral","sentiment_score":0.18070686961475171}],"sentiment":"neutral","sentiment_score":0.22813766590693843,"num_words":107,"start":1618.42,"end":1648.4501},{"sentences":[{"text":"So by having the life buyback option, it means that after your TBD claim, within about twelve months, your life policy is reinstated at the preclaim amount, and then you're able to claim back on that policy again.","start":1648.67,"end":1660.455,"sentiment":"neutral","sentiment_score":0.2350282955326532},{"text":"By structuring this way, as much as we know that when the TBD claim happens, it does wipe your life out for the time being, that twelve months.","start":1661.075,"end":1669.88,"sentiment":"neutral","sentiment_score":0.2950619283531393},{"text":"It's actually a more cost effective way of structuring it.","start":1670.1001,"end":1673.06,"sentiment":"positive","sentiment_score":0.34317080676555634},{"text":"If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying.","start":1673.06,"end":1683.4451,"sentiment":"neutral","sentiment_score":0.1343175284564495},{"text":"So by structuring the policies this way, we're getting the multi policy discount.","start":1683.4451,"end":1688.165,"sentiment":"positive","sentiment_score":0.3532524693470735}],"sentiment":"neutral","sentiment_score":0.24214305171394737,"num_words":123,"start":1648.67,"end":1688.165},{"sentences":[{"text":"We're making the premiums much cheaper for you, but also making sure that you have access to claim on both of those in the event that something was to happen.","start":1688.165,"end":1695.26,"sentiment":"neutral","sentiment_score":0.29383438676595686},{"text":"Okay?","start":1695.32,"end":1695.82,"sentiment":"neutral","sentiment_score":0.05943766236305237},{"text":"That's Yeah.","start":1696.84,"end":1699.74,"sentiment":"neutral","sentiment_score":0.0009101284667849541},{"text":"Yeah.","start":1701.16,"end":1701.5599,"sentiment":"neutral","sentiment_score":0.008084457367658615},{"text":"Well, the way it sort of normally works is that you would normally start by claiming on the TPD first, and then once you've sort of survived the TPD that you're still going, if it was terminal or if you were to pass away after the twelve months, then we can claim on the life as well.","start":1701.5599,"end":1718.575,"sentiment":"neutral","sentiment_score":0.012455863289927182}],"sentiment":"neutral","sentiment_score":0.1054325075513059,"num_words":91,"start":1688.165,"end":1718.575},{"sentences":[{"text":"You don't yeah.","start":1718.955,"end":1720.19,"sentiment":"neutral","sentiment_score":-0.02870479164024194},{"text":"But if you were to pass away, we only claim on the life side of things.","start":1720.19,"end":1723.71,"sentiment":"neutral","sentiment_score":-0.08130492828786373},{"text":"We don't claim on the TBD.","start":1723.71,"end":1725.17,"sentiment":"neutral","sentiment_score":-0.08725773667295773},{"text":"Does that make sense?","start":1725.55,"end":1726.61,"sentiment":"neutral","sentiment_score":-0.016754744574427605},{"text":"Yep.","start":1727.63,"end":1728.13,"sentiment":"neutral","sentiment_score":0.30167442560195923}],"sentiment":"neutral","sentiment_score":-0.05586280667533477,"num_words":30,"start":1718.955,"end":1728.13},{"sentences":[{"text":"Perfect.","start":1728.27,"end":1728.77,"sentiment":"positive","sentiment_score":0.5862749814987183},{"text":"All good.","start":1729.15,"end":1729.89,"sentiment":"positive","sentiment_score":0.5414774119853973},{"text":"I'll let you go back and have a bit more of a read through all of those options later as well.","start":1731.23,"end":1735.885,"sentiment":"neutral","sentiment_score":0.23970446700141543},{"text":"Just let me know if you do have any questions in relation to anything there.","start":1735.885,"end":1739.345,"sentiment":"neutral","sentiment_score":0.10352562814950943},{"text":"The last sort of yeah.","start":1740.525,"end":1743.005,"sentiment":"neutral","sentiment_score":0.3040102064609528}],"sentiment":"neutral","sentiment_score":0.22218088788742368,"num_words":44,"start":1728.27,"end":1743.005},{"sentences":[{"text":"Beautiful.","start":1743.005,"end":1743.505,"sentiment":"positive","sentiment_score":0.5454787611961365},{"text":"The last part of the recommendations there is to make sure that your beneficiaries are applied On your last cover with Zurich, applying a beneficiary for a 100% to your partner, Maria, making sure that in the event of passing that everything is paid out to her, and we're making sure that on your super fund, again, that you have a nonbinding lapsing sorry.","start":1743.5651,"end":1761.495,"sentiment":"neutral","sentiment_score":0.11459087382536381},{"text":"A non lapsing binding nomination again to Maria just to make sure that if anything was to happen, that the claim could be made.","start":1761.495,"end":1767.975,"sentiment":"neutral","sentiment_score":0.1797069168339173},{"text":"The funds are paid out to her so she can continue to look after your family moving forward.","start":1767.975,"end":1772.235,"sentiment":"neutral","sentiment_score":0.22647986147138807},{"text":"Okay?","start":1772.4551,"end":1772.9551,"sentiment":"neutral","sentiment_score":0.11363454163074492}],"sentiment":"neutral","sentiment_score":0.15169011794582563,"num_words":108,"start":1743.005,"end":1772.9551},{"sentences":[{"text":"Yeah.","start":1774.23,"end":1774.63,"sentiment":"neutral","sentiment_score":0.24234291911125183},{"text":"Beautiful.","start":1774.63,"end":1775.13,"sentiment":"positive","sentiment_score":0.43148964643478394},{"text":"Underneath that, I've also made the recommendations that to serve a will and make sure power of attorneys are in place as well.","start":1775.8301,"end":1781.61,"sentiment":"neutral","sentiment_score":0.15282910997452942},{"text":"I always sort of suggest if you have a local solicitor you're comfortable talking to to maybe meet with them and have a will and a power of attorney drawn up, especially now as you do have your two kids there.","start":1781.75,"end":1792.125,"sentiment":"neutral","sentiment_score":0.1526452593687104},{"text":"You're wanting to make sure that in the event that something happens that, you know, your t's are crossed in your i's, the daughter, that your family are protected.","start":1792.125,"end":1798.545,"sentiment":"neutral","sentiment_score":0.16404017985894762}],"sentiment":"neutral","sentiment_score":0.1600476099472297,"num_words":95,"start":1774.23,"end":1798.545},{"sentences":[{"text":"Having the beneficiaries in place looks after your life cover and your super, but there's also all those other assets that you do hold outside of super, like your home, any investments you might have, your cars, your caravans, all of your belongings and your savings accounts and things like that.","start":1799.29,"end":1814.665,"sentiment":"neutral","sentiment_score":0.09659918039744976},{"text":"So all of those sorts of things still also need to be accounted for in the future and looked after to make sure they're distributed as per your wishes.","start":1814.665,"end":1822.285,"sentiment":"neutral","sentiment_score":0.1314691911483633},{"text":"Okay?","start":1822.5851,"end":1823.0851,"sentiment":"neutral","sentiment_score":0.05822288244962692},{"text":"Yeah.","start":1829.91,"end":1830.41,"sentiment":"neutral","sentiment_score":0.03555308282375336},{"text":"Yeah.","start":1833.67,"end":1834.17,"sentiment":"neutral","sentiment_score":0.09012994170188904}],"sentiment":"neutral","sentiment_score":0.10750687530780413,"num_words":83,"start":1799.29,"end":1834.17},{"sentences":[{"text":"Yeah.","start":1834.87,"end":1835.27,"sentiment":"neutral","sentiment_score":0.2977575361728668},{"text":"It's amazing when having another child and things changing a little bit.","start":1835.27,"end":1838.625,"sentiment":"positive","sentiment_score":0.4931181197365125},{"text":"It does make you think a bit more about that side of things, doesn't it?","start":1838.625,"end":1841.845,"sentiment":"neutral","sentiment_score":0.06918672447403272},{"text":"Yeah.","start":1843.505,"end":1843.985,"sentiment":"neutral","sentiment_score":0.06905539333820343},{"text":"No.","start":1843.985,"end":1844.3849,"sentiment":"neutral","sentiment_score":0.15217770636081696}],"sentiment":"neutral","sentiment_score":0.2491402979940176,"num_words":30,"start":1834.87,"end":1844.3849},{"sentences":[{"text":"Beautiful.","start":1844.3849,"end":1844.8849,"sentiment":"positive","sentiment_score":0.4033173322677612},{"text":"The only other thing to sort of make mention there for you, Matthew, is that when we do look at insurances, we are we are paid commissions from the insurance company for the insurances that we set up for you.","start":1845.585,"end":1855.96,"sentiment":"neutral","sentiment_score":0.04933171919547021},{"text":"It is really important.","start":1856.0199,"end":1856.8999,"sentiment":"neutral","sentiment_score":0.13441168144345284},{"text":"I note that it is standardized across the board.","start":1856.8999,"end":1859.14,"sentiment":"neutral","sentiment_score":0.07986570108267996},{"text":"So we do receive 66% of the first year's premiums and 22%, they're ongoing.","start":1859.14,"end":1864.84,"sentiment":"neutral","sentiment_score":0.07732548298580307}],"sentiment":"neutral","sentiment_score":0.06934677790302564,"num_words":68,"start":1844.3849,"end":1864.84},{"sentences":[{"text":"It is standard and legislative across the board that it's the same for all insurance companies, so it has no effect on the recommendation I have made.","start":1865.535,"end":1873.295,"sentiment":"neutral","sentiment_score":0.09811579877579654},{"text":"The recommendations made are in your best interest and in line with your goals and making sure that it is cost effective for you as well.","start":1873.295,"end":1880.35,"sentiment":"neutral","sentiment_score":0.2764036317284291},{"text":"Okay?","start":1880.35,"end":1880.85,"sentiment":"neutral","sentiment_score":0.09147675335407256},{"text":"Beautiful.","start":1881.7899,"end":1882.2899,"sentiment":"positive","sentiment_score":0.38501882553100586},{"text":"Are you yeah.","start":1883.3099,"end":1885.57,"sentiment":"neutral","sentiment_score":0.012899282077948252}],"sentiment":"neutral","sentiment_score":0.17846231753456182,"num_words":58,"start":1865.535,"end":1885.57},{"sentences":[{"text":"No.","start":1887.3899,"end":1887.7899,"sentiment":"neutral","sentiment_score":-0.001347038894891739},{"text":"All good.","start":1887.7899,"end":1888.2699,"sentiment":"neutral","sentiment_score":0.15987834334373474},{"text":"That's basically everything I needed to run through with you there.","start":1888.2699,"end":1891.485,"sentiment":"neutral","sentiment_score":0.11453132670034062},{"text":"You're welcome to have a really good read through the document.","start":1891.565,"end":1893.8049,"sentiment":"positive","sentiment_score":0.369488770311529},{"text":"Let me know if you do happen to have any questions there at all.","start":1893.8049,"end":1896.845,"sentiment":"neutral","sentiment_score":0.1824163698724338}],"sentiment":"neutral","sentiment_score":0.21016563828556967,"num_words":39,"start":1887.3899,"end":1896.845},{"sentences":[{"text":"But do you have any questions for me at the moment with what I have gone through?","start":1897.005,"end":1900.625,"sentiment":"neutral","sentiment_score":0.0327588549869902},{"text":"Yeah.","start":1909.18,"end":1909.68,"sentiment":"neutral","sentiment_score":0.04429564252495766},{"text":"Yeah.","start":1915.755,"end":1916.255,"sentiment":"neutral","sentiment_score":-0.1176341325044632},{"text":"Perfect.","start":1916.3151,"end":1916.8151,"sentiment":"neutral","sentiment_score":-0.15824639797210693},{"text":"Oh, lovely.","start":1917.435,"end":1918.235,"sentiment":"neutral","sentiment_score":0.27555397152900696}],"sentiment":"neutral","sentiment_score":0.03983743590387431,"num_words":22,"start":1897.005,"end":1918.235},{"sentences":[{"text":"Well, thank you so much for that.","start":1918.235,"end":1919.675,"sentiment":"positive","sentiment_score":0.4028964915445873},{"text":"I will let you go to have a read to it.","start":1919.675,"end":1921.595,"sentiment":"neutral","sentiment_score":0.25665742700750177},{"text":"If you are happy to take on the recommendations there, I'll just get you to sign and return that one back there for me.","start":1921.595,"end":1926.8151,"sentiment":"neutral","sentiment_score":0.16438554848233858},{"text":"On the last page of the advice document, we do have a little text box there as well.","start":1927.035,"end":1931.37,"sentiment":"neutral","sentiment_score":0.06407814472913742},{"text":"So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with.","start":1931.37,"end":1941.165,"sentiment":"neutral","sentiment_score":-0.10809396903373693}],"sentiment":"neutral","sentiment_score":0.06769996003380843,"num_words":98,"start":1918.235,"end":1941.165},{"sentences":[{"text":"If you're happy to proceed with all the recommendations, just put NA in the box.","start":1941.245,"end":1944.865,"sentiment":"neutral","sentiment_score":0.25577250321706135},{"text":"So I'm in the little bottom part there and send it back to us.","start":1945.405,"end":1949.165,"sentiment":"neutral","sentiment_score":0.16889407059976033},{"text":"We've also got in there for you as an attachment the quotes, which gives you a bit of a breakdown of the insurances.","start":1949.165,"end":1955.105,"sentiment":"neutral","sentiment_score":0.19352533700673477},{"text":"I've got the financial service guide which outlines everything about who I am, what I do, and everything here about Oakview Financial.","start":1955.245,"end":1961.68,"sentiment":"neutral","sentiment_score":0.21622949906370856},{"text":"And if you're like me and enjoy a bit of reading, miss Drew, I've also got the product disclosure statements attached to the email for you as well in case you wanted to have a bit more detailed look at the products.","start":1961.98,"end":1970.64,"sentiment":"neutral","sentiment_score":0.18711529955977485}],"sentiment":"neutral","sentiment_score":0.20058688662689309,"num_words":116,"start":1941.245,"end":1970.64},{"sentences":[{"text":"Okay.","start":1970.86,"end":1971.36,"sentiment":"neutral","sentiment_score":0.1508062481880188},{"text":"Fantastic.","start":1973.1849,"end":1973.6849,"sentiment":"positive","sentiment_score":0.6794291734695435},{"text":"Not a problem at all.","start":1974.145,"end":1975.265,"sentiment":"positive","sentiment_score":0.47643488049507143},{"text":"Well, thank you so much for your time.","start":1975.265,"end":1976.705,"sentiment":"positive","sentiment_score":0.7225525751709938},{"text":"I'll let you go.","start":1976.705,"end":1977.6649,"sentiment":"positive","sentiment_score":0.5547689646482468}],"sentiment":"positive","sentiment_score":0.5901003307417819,"num_words":19,"start":1970.86,"end":1977.6649},{"sentences":[{"text":"Have a read through that.","start":1977.6649,"end":1978.465,"sentiment":"positive","sentiment_score":0.4733164429664612},{"text":"And if you find you have any questions at all, you're welcome to let me know.","start":1978.465,"end":1981.505,"sentiment":"positive","sentiment_score":0.3612736100330949},{"text":"Okay?","start":1981.505,"end":1982.005,"sentiment":"neutral","sentiment_score":0.26493212580680847},{"text":"Oh, no problem, Matthew.","start":1985.173,"end":1986.3729,"sentiment":"positive","sentiment_score":0.572682112455368},{"text":"Enjoy the rest of your day.","start":1986.3729,"end":1987.4929,"sentiment":"positive","sentiment_score":0.7764882445335388}],"sentiment":"positive","sentiment_score":0.4800484380684793,"num_words":32,"start":1977.6649,"end":1987.4929},{"sentences":[{"text":"It was a pleasure.","start":1987.4929,"end":1988.393,"sentiment":"positive","sentiment_score":0.844750702381134},{"text":"Thank you.","start":1989.173,"end":1989.653,"sentiment":"positive","sentiment_score":0.5882104635238647},{"text":"See you later.","start":1989.653,"end":1990.293,"sentiment":"positive","sentiment_score":0.4573519726594289},{"text":"Bye.","start":1990.293,"end":1990.793,"sentiment":"neutral","sentiment_score":-0.08986181765794754}],"sentiment":"positive","sentiment_score":0.5837617836892605,"num_words":10,"start":1987.4929,"end":1990.793}]}}]},{"alternatives":[{"transcript":"Not too bad. How are you doing? Yes. Perfect. Things are busy. I think we're well into working here, but, yeah, I think things are good. Things are good. Yeah. Yeah. And I couldn't be happy at the moment. Yes. I do. Yeah. That that sounds great. That is correct. Yes. Not an issue. Yeah. Yep. It's full name is Matthew. Date of birth, 06/23/1992. Property address should be 33 Alamar Street at Lydtep. Yes. I've got it. Mhmm. Yep. Yep. Yep. Got it. Yep. Yep. Yep. Yep. No calls. Yep. Yep. Yep. Mhmm. Yeah. Yeah. It's still still way away, but yeah. Yep. Yep. Of course. All things. All things correct. No. No. Setting comes $1.75. We do work on a commission basis as well. So I do have with about 25 25 per per animal. So so it's generally about 200, but, yeah, I I don't think I advised that last time. So oh, per annum per annum. Yeah. Yeah. That mhmm. Yep. No worries. No. That's that's all fine. With the liabilities, that that's just on a weekly basis, isn't it? They're renting. Yeah. Yeah. Yeah. That's so that's correct. Well, it all all seems correct. Mhmm. Yep. Okay. Yep. Is there a tax when you change over? Yeah. Yeah. Oh, I see. It's because you yeah. You have to take it out to me, but but they can't make sense. Yep. Yep. Mhmm. Okay. Yep. Yep. Of course. Correct. How that performed last year? Or everyone is a bit different. Yeah. Yeah. Go on. Yep. Mhmm. Oh, perfect. Yep. Seven 10. Got it. Mhmm. Yeah. Of course. Mhmm. Of course. Yep. Thank you. Thank you. Mhmm. Yes. Yes. Mhmm. Yep. Yep. Yep. It does. Mhmm. Yep. Okay. No. Yep. I'm on it now. Yep. Yep. Mhmm. Yep. And I almost Got it. Understood. Mhmm. Yep. That's pretty straightforward. Yep. Yep. Yep. Got it. So you can't come in same time, just one or the other. That's that's one of the 50. Yeah. No. Yeah. Got it. Yes. Yes. It is. Yep. That's that's fine. That all looks good. Yep. Go on. Yep. Yep. Yep. Yeah. I had that in I had that in play, but I got two free photos from the list of it, but I never never got to accepting one and really scheduling it in, but it's on the list for this year. Of course. Of course. Yes. Yep. I've got it. I've had my fair share of insurance. I understand how the commissions work. Yeah. No. No. I'm actually quite happy with it. It's pretty simple to to go through, and I guess, in layman terms of people to understand. So, no, it's good. The address is exactly what we discussed previously, so not happy with it. Yeah. Mhmm. Yep. No. That's perfect. Thank you for providing that. Will do it. No. I appreciate you finding me. Thank you very much. Thank you. 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too bad. How are you doing? Yes. Perfect. Things are busy.\n\nI think we're well into working here, but, yeah, I think things are good. Things are good. Yeah. Yeah. And I couldn't be happy at the moment.\n\nYes. I do. Yeah. That that sounds great. That is correct.\n\nYes. Not an issue. Yeah. Yep. It's full name is Matthew.\n\nDate of birth, 06/23/1992. Property address should be 33 Alamar Street at Lydtep. Yes. I've got it. Mhmm.\n\nYep. Yep. Yep. Got it. Yep.\n\nYep. Yep. Yep. No calls. Yep.\n\nYep. Yep. Mhmm. Yeah. Yeah.\n\nIt's still still way away, but yeah. Yep. Yep. Of course. All things.\n\nAll things correct. No. No. Setting comes $1.75. We do work on a commission basis as well.\n\nSo I do have with about 25 25 per per animal. So so it's generally about 200, but, yeah, I I don't think I advised that last time. So oh, per annum per annum. Yeah. Yeah.\n\nThat mhmm. Yep. No worries. No. That's that's all fine.\n\nWith the liabilities, that that's just on a weekly basis, isn't it? They're renting. Yeah. Yeah. Yeah.\n\nThat's so that's correct. Well, it all all seems correct. Mhmm. Yep. Okay.\n\nYep. Is there a tax when you change over? Yeah. Yeah. Oh, I see.\n\nIt's because you yeah. You have to take it out to me, but but they can't make sense. Yep. Yep. Mhmm.\n\nOkay. Yep. Yep. Of course. Correct.\n\nHow that performed last year? Or everyone is a bit different. Yeah. Yeah. Go on.\n\nYep. Mhmm. Oh, perfect. Yep. Seven 10.\n\nGot it. Mhmm. Yeah. Of course. Mhmm.\n\nOf course. Yep. Thank you. Thank you. Mhmm.\n\nYes. Yes. Mhmm. Yep. Yep.\n\nYep. It does. Mhmm. Yep. Okay.\n\nNo. Yep. I'm on it now. Yep. Yep.\n\nMhmm. Yep. And I almost Got it. Understood. Mhmm.\n\nYep. That's pretty straightforward. Yep. Yep. Yep.\n\nGot it. So you can't come in same time, just one or the other. That's that's one of the 50. Yeah. No.\n\nYeah. Got it. Yes. Yes. It is.\n\nYep. That's that's fine. That all looks good. Yep. Go on.\n\nYep. Yep. Yep. Yeah. I had that in I had that in play, but I got two free photos from the list of it, but I never never got to accepting one and really scheduling it in, but it's on the list for this year.\n\nOf course. Of course. Yes. Yep. I've got it.\n\nI've had my fair share of insurance. I understand how the commissions work. Yeah. No. No.\n\nI'm actually quite happy with it. It's pretty simple to to go through, and I guess, in layman terms of people to understand. So, no, it's good. The address is exactly what we discussed previously, so not happy with it. Yeah.\n\nMhmm. Yep. No. That's perfect. Thank you for providing that.\n\nWill do it. No. I appreciate you finding me. Thank you very much. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Not too bad.","start":1.92,"end":8.559999,"sentiment":"neutral","sentiment_score":-0.036968074118097626},{"text":"How are you doing?","start":8.559999,"end":9.46,"sentiment":"neutral","sentiment_score":0.06188237760215998},{"text":"Yes.","start":17.205,"end":17.605,"sentiment":"neutral","sentiment_score":0.16866382956504822},{"text":"Perfect.","start":17.605,"end":18.105,"sentiment":"positive","sentiment_score":0.4909890592098236},{"text":"Things are busy.","start":22.645,"end":23.445,"sentiment":"neutral","sentiment_score":-0.025452454884847004}],"sentiment":"neutral","sentiment_score":0.05999340101455649,"num_words":12,"start":1.92,"end":23.445},{"sentences":[{"text":"I think we're well into working here, but, yeah, I think things are good.","start":23.445,"end":27.205,"sentiment":"neutral","sentiment_score":0.16607633672122443},{"text":"Things are 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It's Zaina from OQ Financial. How are you this afternoon?\n\nChannel 1: bad. How are you doing?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to run through your updated statement of advice. Is now\n\nChannel 1: Yes. Perfect.\n\nChannel 0: still a good time there for you? Fantastic. How is everything going at home at the moment?\n\nChannel 1: Things are busy. I think we're well\n\nChannel 0: Yes?\n\nChannel 1: into working here, but, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: I think things are good. Things are good.\n\nChannel 0: Oh, good. Good. Everyone's settling in nicely.\n\nChannel 1: Yeah. Yeah. And I couldn't be happy at the moment.\n\nChannel 0: Oh, fantastic. That is absolutely fantastic. Matthew, do you happen to have access to your emails at the moment as well?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep. Perfect. What I'm gonna do send through an email with the updated statement of advice. If you wanted to let me know when that one comes through and open the document there, you'll be able to run through that one with me so you get a bit of an understanding of what I'm looking at. Okay?\n\nChannel 1: Yeah. That that sounds great.\n\nChannel 0: Perfect. I've just sent the email through to you there. Now just confirming I'm sending it through to matthewhua@1992atgmail.com.\n\nChannel 1: That is correct. Yes.\n\nChannel 0: Beautiful. And just to confirm, moving forward, I do record our calls for quality and training You're happy for me to proceed with that?\n\nChannel 1: Not an issue. Yeah.\n\nChannel 0: Lovely. And just to do security there with you as well, I'll just confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Yep. It's full name is Matthew. Date of birth, 06/23/1992.\n\nChannel 0: Yep.\n\nChannel 1: Property address should be 33 Alamar Street at\n\nChannel 0: Beautiful. Thank you so much for that. I've sent that\n\nChannel 1: Lydtep.\n\nChannel 0: email through. Hopefully, it pops through fairly quickly there\n\nChannel 1: Yes.\n\nChannel 0: for\n\nChannel 1: I've\n\nChannel 0: you.\n\nChannel 1: got\n\nChannel 0: Just\n\nChannel 1: it.\n\nChannel 0: let me know if it does you that was excellent. I've had some a couple of clients recently had trouble getting the emails coming through, so I'm glad yours came through nice and quickly there for you. If you open that one up, it'll ask you to it doesn't ask you to agree and accept anymore. It does just have, like, a little sign button. You press that, and then it lets you go forward so you can see the document.\n\nI will never ask you to sign anything\n\nChannel 1: Mhmm.\n\nChannel 0: you haven't read, but it does let you scroll\n\nChannel 1: Yep.\n\nChannel 0: through that document there. Okay?\n\nChannel 1: Yep. Yep. Got it.\n\nChannel 0: Perfect. Lovely. Thank you for that. Now having a look at the document there as on the front page, it should definitely, sorry, state statement of advice prepared for yourself as of the 02/25/2026. That's when we completed the document for you.\n\nAuthorized representative for me myself registered with ASIC is 1304394. That's on the bottom of the document there for you. Okay? Now as you are scrolling through this one, Matthew, on the next page, it does note the best interest, Judy. It's just letting you know that any advice we do provide does need to be provided in your best interest, essentially.\n\nWe make sure we go through the process we do of understanding your goals and objectives and making sure that, you know, any advice we are providing is that it'll help you meet your goals moving forward. But it's really important to know that best interest is also changing as well. So your goals will change. You've got a lot of years before you're able to access super and retire, so your goals will continuously change. Therefore, the advice needs to alter and change with it as your as your life changes.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you scroll down to page number three for me, you'll see the heading noted there the scope of advice. So this is just noting out the areas that we have scoped in for the statement of advice. We're looking at areas of superannuation. Now when we sorta had spoken last time, you wanted to look at maybe moving into more of a high growth profile for your super, just making sure you're taking a bit more risk in the market to try and obtain those greater potential returns moving forward.\n\nYou do have a lot of years ahead of you. You're still very young. So we can take a bit more risk in the market to try and get those greater potential returns now so that we can sort of pull back in the future there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We have obviously seen some changes in the market there as well, so I have had a look at the portfolios and just made sure that you are invested correctly and also made some changes to some of the investments in the within the investment profile as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We're also looking the insurance side of things. So now that you've had your second child, very exciting news for you, you wanted to look at just getting some life and TBD. You were comfortable with it about 250,000 of life and TPD. So I've gone out there and done the research, looked at the different insurers, what they offer, and made a recommendation for you for that. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then, also, make sure we scoping the estate planning side of things and making sure in the event that you were to pass away, touch wood, nothing ever happens. But\n\nChannel 1: No calls.\n\nChannel 0: in the unless the event that this was to happen prematurely, that your family are covered making sure your beneficiary nominations are up to date so your partner could take care of your kids moving forward. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The next page outlines the areas that we're not looking at at the moment. So we're not looking at areas of income protection or trauma. You were comfortable just with the insurance side of things. We're looking at life and TPD only.\n\nWe can\n\nChannel 1: Yep.\n\nChannel 0: always come back in the future and talk about the income protection and the trauma side of things. However, it does sort of leave you with the risk of not being covered or not having adequate cover in the event of being unable to go to work in a shorter term due to illness or injury or with trauma not being able to claim that lump sum tax refund if it in the event a traumatic diagnosis is made.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: One of the other things we did kinda talk about down the track was the possibility of maybe opening yourself any super funds. So we have scoped out for now. We're just looking to build your super for the moment. However, down\n\nChannel 1: Yeah.\n\nChannel 0: the track, it was something you were maybe looking to look into. Okay?\n\nChannel 1: Yeah. It's still still way away, but\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: That's absolutely okay. The next page outlines the limited advice. So it's just letting you know that I'm not a a lawyer, so we don't draft\n\nChannel 1: Yep.\n\nChannel 0: wills for you. However, in the event of you requiring the assistance of a solicitor to draft a will, we can definitely refer you on. It's also important that we look at personal insurance products, so things like life, TPD, income protection, trauma insurances. We don't provide advice around general insurance products. That's things like motor home, housing contents, business liability insurance, things like that.\n\nWe can refer you to a general insurance broker should you need those sort of insurance options. And under the Better Advice Act 2021, I am a relevant tax provider. That essentially means I'm authorized to provide tax financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your tax for you.\n\nChannel 1: Yep.\n\nChannel 0: If you did require the assistance of an accountant on the track, we can always refer you through to one. Okay?\n\nChannel 1: Of course.\n\nChannel 0: Perfect. On the bottom of that page, it outlines essentially the start of the recommendations, but I'll take you a bit lower and I'll take you through those in a bit more detail there. Okay? On the next page is the about you section there, Matthew. Can you just run your eyes over that for me?\n\nJust let me know if there's been any major changes to any of those details that we should have noted for you.\n\nChannel 1: All things. All things correct.\n\nChannel 0: Yep. Perfect. No major pay rise. I was hoping that your income had gone up a little bit since then, but, no, not yet.\n\nChannel 1: No. No. Setting comes $1.75. We do work on a commission basis as well.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: Yep.\n\nChannel 1: do have with about 25 25 per per animal. So so it's generally\n\nChannel 0: Yep.\n\nChannel 1: about 200, but, yeah, I I don't think I advised that last time.\n\nChannel 0: No. That's okay. Not a problem at all. I can always make a note here that this is what we've got your income noted at, but that you generally do get 25,000 per quarter\n\nChannel 1: So\n\nChannel 0: to kind of make it up. Okay?\n\nChannel 1: oh, per annum per annum.\n\nChannel 0: Per annum. So sorry.\n\nChannel 1: Yeah. Yeah. That\n\nChannel 0: No. That's okay. So 25,000 per annum in commissions is\n\nChannel 1: mhmm.\n\nChannel 0: it was expected. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Not a problem at all. I'll make a note of that one for you as well. Absolutely.\n\nChannel 1: No\n\nChannel 0: On\n\nChannel 1: worries.\n\nChannel 0: the next page, we do have your assets and liabilities noted as per our last conversation. I know some of those may have changed since we last spoke. Are there any major changes you would like to have updated? Keeping in mind that, no, with the changes made here, nothing really affects the advice in any negative way, but I'm more than happy to update anything on the back end for you if you would like me to.\n\nChannel 1: No. That's that's all fine. With\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: all\n\nChannel 1: liabilities, that that's just on a weekly basis,\n\nChannel 0: good.\n\nChannel 1: isn't it? They're renting.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: so that's\n\nChannel 0: That's\n\nChannel 1: correct.\n\nChannel 0: okay. Not a problem at all.\n\nChannel 1: Well, it all all seems correct.\n\nChannel 0: Yep. Beautiful. On the next page there, we do have the risk profile outlined. So you did score as a growth investor and were in that growth portfolio. You wanted to look at going a bit more high growth to try and get some greater potential returns and keep that compounding, working towards your retirement there.\n\nSo this outlines a little bit about the high growth environment that you can see. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Essentially, the next page, there is a strategy recommendation. So what I'll do is I'll start to take you through these to make it easier. The first one there is that we are recommending that you do retain your Hub twenty four super account. So I did have a look at all the options for super. Hub twenty four has been working great for you.\n\nThere's been no major changes that really reflects us requiring to make any changes there. And because we were looking at a high growth portfolio and wanting to sort of take on a little bit more risk there, if we had made a recommendation to alter and move you to a different platform, it would require a full sell down. So retaining hub twenty four essentially means that we can alter the portfolio. The investments we need to be able to invest in are available there, and it means we don't have to sell down all of your investment assets, which can save you on CGT. We can just sell partial or what we need to.\n\nAnd if we do alter portfolios, we can often try to increase and transfer what we can as well. So\n\nChannel 1: Okay.\n\nChannel 0: pertaining hub twenty four worked out more cost effective for you. Okay.\n\nChannel 1: Yep. Is there a tax when you change over?\n\nChannel 0: There is. Yes. Yes. So your your super fund, just like you do, your super fund does a tax return every single year. So\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: Yeah.\n\nChannel 0: we do buy and sell assets and make changes to your investment portfolio, there is definitely capital gains tax, and your super fund\n\nChannel 1: Oh,\n\nChannel 0: makes\n\nChannel 1: I\n\nChannel 0: discount\n\nChannel 1: see. It's because you\n\nChannel 0: at that.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: You have to take it out to me, but but they can't make\n\nChannel 0: That's\n\nChannel 1: sense.\n\nChannel 0: exactly\n\nChannel 1: Yep. Yep.\n\nChannel 0: right. Yeah. Now we are recommending that you do move into the updated Q Financial number six high growth portfolio there. We have noted that with not sure if we spoke about it before, but in early January when we sort of touched base, there had been some changes to some of the investments and the way the markets were reacting. Then along Australian equities, which was in your original portfolio, has been underperforming.\n\nSo we have made a decision to remove that from the portfolios\n\nChannel 1: Mhmm.\n\nChannel 0: and look at moving you into something else. Because you are still quite young, you've got a bit of time ahead of you, you are still able to have that active management in your sort of portfolio. So I am recommending that whilst we are moving you with a high growth portfolio there, that we remove them along from that. We're selling all of that and replacing it with the Affinity Australian Share Fund. It's essentially making sure that you still got that active manager in your portfolio, that you can get those greater potential returns moving forward.\n\nIt's still giving you access to the Australian equities portion. However, the Affinity, fund is actually a little bit cheaper than Bennelong was, and they tend to hold a few more investments over Bennelong. So they can also make it a little bit more give you more diversification essentially whilst making the investments a bit cheaper, which is a benefit for you as well. Okay? Perfect.\n\nWe are recommending that you do continue all contributions to go into the hub twenty four funds, so no changes there for you at all. Okay? With all the recommendations, as I kinda mentioned before, we do make sure they are in your best interest. So with regard to all the recommendations on these pages, you will see a best interest statement there. So, essentially, this is in your best interest because replacing the underperforming investments allows you to retain and remain invested in the portfolio that is aligned with your risk profile, Removing those underperforming assets and replacing with something that has such generated potential return can help you long term whilst maintaining a level of risk that is consistent with your goals and objectives there.\n\nMaintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well. So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, you'll see the advantages, the disadvantages, and the risks involved. I'll let you\n\nChannel 1: Yep.\n\nChannel 0: go back and have a bit of a read through these later. But, essentially, as I've kind of gone through making sure retaining hub twenty four can limit the CGT consequences, removing that along and placing it with Affinity still gives you access to an actively managed investment given you're young and still have a lot of time ahead of you. The recommended portfolio we are popping you into has has seen greater greater past performance than what their current one is. So we can, if the markets perform the same way or do better, see it puts you in a better position moving forward there as well.\n\nChannel 1: Of course.\n\nChannel 0: Okay?\n\nChannel 1: Correct.\n\nChannel 0: Yeah.\n\nChannel 1: How\n\nChannel 0: Yes.\n\nChannel 1: that performed last year? Or everyone\n\nChannel 0: Yeah.\n\nChannel 1: is a bit different. Yeah. Yeah. Go on. Yep.\n\nChannel 0: Yeah. Absolutely. What I'll get you to do is if you scroll down to page number 17 for you, I can actually show you what that looks like.\n\nChannel 1: Mhmm. Oh, perfect. Yep. Seven\n\nChannel 0: Yeah.\n\nChannel 1: 10.\n\nChannel 0: That's okay.\n\nChannel 1: Got it.\n\nChannel 0: Perfect. So you'll see here we've got your current table, which shows\n\nChannel 1: Mhmm.\n\nChannel 0: your current investment portfolio, the amount you have in super there, and the administration fees, investment fees, and any other fees applicable to the account. You've got your ongoing service fee for us looking after everything for you and your contributions going in there as well. Underneath that, you do also have you in a growth portfolio, and it was showing the three year rolling average there. We've had to use the three year as some investments haven't given us a five year rolling average, but it's averaged about 14.56%. With the high growth portfolio that we wanna move you into, you will see a difference in the balance starting at the top, and that's the $892.\n\nThat's just the ADT consequences for making those changes there. Okay? So starting balance would come down a little bit due to the CDT once we complete the investment switch. There's no change to the administration fees, but we do work out in having a look at the newer portfolio. It is saving you for the first year about a $143 in investment fees and no changes to any other fees applicable\n\nChannel 1: Yeah.\n\nChannel 0: to the fund there. You do notice the ongoing service fee does increase a little bit as we expect growth in the funds. So our ongoing\n\nChannel 1: Of\n\nChannel 0: service\n\nChannel 1: course.\n\nChannel 0: fee is 1.65% and alters with the performance of the portfolio there. Okay? And then your contributions. And I've also got there the insurance premium. So one thing we are factoring into the advice is the life and CBD component.\n\nThey will be paid out as super,\n\nChannel 1: Mhmm.\n\nChannel 0: so the insurance premium's there as well showing you the effect. With the high growth portfolio, it has seen with it utilizing the three year rolling average a greater potential return. So it has, over the past three years, have averaged about a 17.01% return. Now I definitely don't think you're gonna get 17% every year moving forward,\n\nChannel 1: Of course.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: if the markets do perform the way they have over the past, if the portfolio performs the way it has, you could see yourself over the next ten years increase your super balance up to about 900,144 as you'll see a little bit below there. Okay. Yeah. I\n\nChannel 1: Thank\n\nChannel 0: see.\n\nChannel 1: you.\n\nChannel 0: So that's okay. So the advantages are that this portfolio has performed greater over the past. It is saving you in the way of investment fees a bit. So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you. It is limiting the CDT.\n\nSo the CDT has been reduced down to about 892, which is really important to try and reduce as much as possible. And we can see, so long as things work the same way, that it can provide greater potential growth in the future for you. Okay?\n\nChannel 1: Thank\n\nChannel 0: That's okay. On the next page there, it does also note the twelve and three year performance of the two different\n\nChannel 1: you.\n\nChannel 0: portfolios just so you can kinda see the difference there as well. Okay? Perfect. If you scroll back up for me, just the page number 16, this is just outlining essentially the risk profile with the existing and the proposed. So as I kinda went through at the moment, you are in more of a growth portfolio, which generally sees about 80% of your super invested in growth assets.\n\nSo things like Australian shares, international\n\nChannel 1: Mhmm.\n\nChannel 0: shares. We don't really have a lot of property in our portfolios, but alternatives like gold and silver as well. And then you would generally see around about 20% in defensive investments, so things like fixed interest, defensive alternatives, and also cash investments there as well. With your existing portfolio, you're actually 88.55% in those growth investments and showing 11.45% in those defensive investments. With the portfolio that was just kinda gone through there, you essentially see about 91.84% in those growth investments.\n\nSo you're increasing the growth side of things and decreasing the defensive side there. The growth investments are taking on a bit more risk, but you wanna get greater potential returns there as well, and then reducing the defensive investments down to about 8.16. Okay? If you wanted to see what the investment portfolio looked like, if\n\nChannel 1: Yes.\n\nChannel 0: you go back up one more page there for me to the investment side of things, you'll actually see all the individual investments that we are looking at there. So when we're kinda looking at the buyers and sales, which is the one, two, three, four, fifth column along, you'll actually\n\nChannel 1: Yes.\n\nChannel 0: see there that we're sort of selling the bank hybrids there. We're selling the the agriculture. We're keep we're keeping some of the physical gold, but just kinda rebalancing it down a little bit there for you. We're also buying into some cybersecurity, keeping and just rebalancing the S and P 500 to keep you balanced and in line with that grace high growth portfolio. We're also selling some of the Raffy 200, but keeping it, you'll still still have about 15% in that once we complete the rebalance then.\n\nWe're getting rid of all of the Bannalongs, so you'll have no Bannalong\n\nChannel 1: Mhmm.\n\nChannel 0: left in the portfolio. And then with the ClearBridge infrastructure fund, completely getting rid of that as well. And then also rebalancing and keeping some of the India investment. On the next page there, the global shares, all the rebalancing. So we are buying into that one.\n\nYou have about 7% in there. Alphinity, you'll see 10% invested in there once we complete the buy of that one, and that's replacing the Benelon that we are selling all of. And then you'll still also have 15% of the JPMorgan Research enhanced equity fund. And then also within the portfolio, you do have about 1.25% in hub 24 in cash, which has to remain there to kind of cover the cost of ongoing expenses like administration fees and our ongoing service fees and things like that. So you'll see once we've kinda completed the rebalance, at the end of it, you'll end up with having some of the bank hybrids there, just a small component around 7% for defensive investments, some physical gold with which is a growth asset, but it also works defensively at certain times.\n\nAnd with the volatility we are seeing at the moment, having some physical gold in there is always a benefit. Some cybersecurity will be in there as well. Having about 7% there is more of a thematic kind of ETF investment, so you're wanting to branch out to try and get greater growth. And cybersecurity, whilst having some ups and downs, is still a very big player in the market. And moving forward, the governments are putting a lot of money into cybersecurity in areas like that.\n\nThe S and P 500, it's more one of your standard sort of core investments in the portfolio. We would see about 25% invested in there. Whilst the markets in The US and Australia have seen lots of ups and downs at the moment, they are still good to hold. We wanna make sure we're holding through that. And one of the benefits of the S and P 500 is that whilst you're looking at the top 500 companies in The US, they have to they the companies have to meet a certain criteria.\n\nSo the index actually looks at what companies are in the S and P 500 every quarter, and if they no longer meet that criteria, they get removed and replaced with something else. So you are always invested in the 500 companies in The US.\n\nChannel 1: Yep.\n\nChannel 0: And as much as The US is seeing a lot of volatility and as is the straight equities at the moment, over the course of the you know, when you look at over time over ten, twenty, or thirty years, staying invested in The US still does provide great returns. Okay? Does that make sense?\n\nChannel 1: Yep. Yep. It does.\n\nChannel 0: Perfect. We've also got the beta shares Rafi 200 there. You'll see about 15% invested in that. That, again, is another one of those good core investments to hold. Australian equities, again, have seen great potential returns over the past couple of years.\n\nThey are seeing a bit of volatility at the moment because we do tend to follow suit when it comes to The US. However, it is really important to still hold some Australian equities in there. We're getting rid of the Banda Long and the ClearBridge so that will have none invested. The India\n\nChannel 1: Mhmm.\n\nChannel 0: will be about 7%. So, again, this is more of a thematic kind of investment. We're looking at some of the top country companies within the Indian market, and they have seen some good growth over the past couple of years. We've got the global health care. So giving you access to global health care.\n\nHealth care since COVID has been one of those big spots, and this is not just looking at doctors' offices and things. This is looking at, like, cybersecurity within health care. It's looking at the technology side of things within health care. So there are a lot of advantages and changes coming to the health care sector with the robotics and the IT side of things. So this is also encompassing some of those sorts of areas for you as well.\n\nAnd then you would also see about 10% in the Affinity Share Funds. So giving you a bit of\n\nChannel 1: Yep.\n\nChannel 0: an actively managed component, we wanna make sure we review this with you on a regular basis. So if this investment\n\nChannel 1: Okay.\n\nChannel 0: does need to be moved in the future, that we're able to remove that for you and alter your portfolio. And then the JPMorgan Global Enhanced Research in equity fund, this is looking at they utilize JPMorgan's research team, and they're looking at investments globally in areas of great growth. So it's giving you a little bit of a little bit of active management in there. If only a small portion actively managed, but they are looking at globally. So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good.\n\nAnd then, obviously, the to help you do that is really good. And then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out. You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system. So they have, like, a set time of the month where they go through, and they might buy and sell certain investments. It's kind of a cash run.\n\nIt's making sure they do top up the cash in your super fund, or if you have too much, they'll start to buy into some investments. That way, you don't have too much sitting there. So that does happen around about the twentieth of every month. Okay?\n\nChannel 1: No.\n\nChannel 0: Perfect. Do you have any questions about any of that so far? No? Perfect. Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you.\n\nChannel 1: Yep. I'm on it now.\n\nChannel 0: So beautiful. So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there. I have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich. So Zurich are one of Australia's largest insurers. They have been around for a really long time, and they offered the best rate available to you.\n\nEssentially, for the first year's premium to be deducted from your super fund for the recommended amount of cover, it's just gonna cost about a $190.01, so very cheap to have that license TBD.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Essentially, underneath that, you'll see the amount of 223 and 54¢ there. That's how much the insurer actually receives the premium. You get a bit of a 15% rebate or a discount on the policy, so you'll only pay the $1.90 out of your super fund for the best year.\n\nChannel 1: Mhmm.\n\nChannel 0: Underneath that, you've got your best interest, Judy. So the amount of cover recommended is in in line with what you wanted, and we'll review that with you regularly to make sure it stays in line with what you're after. You do need to go through, essentially, an application. So they will look at your health. There's nothing that was really flagged with anything that we spoke about to to note that it could be any loadings or exclusions.\n\nBut if there is anything that comes out in the application, there could be loadings or exclusions applied to the policy.\n\nChannel 1: Yep. And\n\nChannel 0: Well, it's all good. When you do go through the application with my colleague, Jack, he'll probably flag it with me if there's anything that we need to maybe review. But when you and I spoke last time, there was nothing\n\nChannel 1: I almost\n\nChannel 0: of concern that really showed us there was gonna be anything on the on the policy as a loading or exclusion. It gives you that level of cover in the event that something was to happen. And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released. So it makes sure your family gets an extra benefit with the life cover. Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well.\n\nOkay?\n\nChannel 1: Got it. Understood.\n\nChannel 0: Perfect. On the next page there, one of the important things to kinda note is that when you are paying for the insurance premiums out of super, it does have an effect. And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns\n\nChannel 1: Mhmm.\n\nChannel 0: it has received. You'll see that we've got the same table again, but at the very end, it's got the no insurance option. So,\n\nChannel 1: Yep.\n\nChannel 0: essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much. However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment. Okay?\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: pretty straightforward. Yep.\n\nChannel 0: Yeah. Beautiful. The advantages, disadvantages, and the risks involved are also noted out there for you as well. So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover. So every year that you do happen to keep the cover in place, you don't have to reapply or anything.\n\nThe insurances are just renewed each year. Increasing claims, essentially, if you're on a claim, it can obviously make sure that that the claim is paid out along with c p CPI. And we have what's called a last buyback option here as well. So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy. It essentially means that in the event of a claim for TPD, your TPD payment is paid out.\n\nAnd then because we have attached the policy to your life, it does actually wipe your life policy out. So\n\nChannel 1: Yep.\n\nChannel 0: by having the life buyback option, it means that after your TBD claim, within about twelve months, your life policy is reinstated at the preclaim amount, and then you're able to claim back on that policy again. By structuring this way, as much as we know that when the TBD claim happens, it does wipe your life out for the time being, that twelve months. It's actually a more cost effective way of structuring it. If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying. So by structuring the policies this way, we're getting the multi policy discount.\n\nWe're making the premiums much cheaper for you, but also making sure that you have access to claim on both of those in the event that\n\nChannel 1: Yep.\n\nChannel 0: something was to happen. Okay?\n\nChannel 1: Got it. So you can't come\n\nChannel 0: That's\n\nChannel 1: in same time, just one or the other. That's that's\n\nChannel 0: Yeah.\n\nChannel 1: one of the 50. Yeah. No. Yeah. Got\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Well, the way it sort of normally works is that you would normally start by claiming on the TPD first, and then once you've sort of survived the TPD that you're still going, if it was terminal or if you were to pass away after the twelve months, then we can claim on the life as well. You don't yeah. But if you were to pass away, we only claim on the life side of things. We don't claim on the TBD. Does that make sense?\n\nChannel 1: Yes. Yes. It is.\n\nChannel 0: Yep. Perfect. All good. I'll let you go back and have a bit more of a read through all of those options later as well. Just let me know if you do have any questions in relation to anything there.\n\nChannel 1: Yep. That's\n\nChannel 0: The\n\nChannel 1: that's\n\nChannel 0: last\n\nChannel 1: fine.\n\nChannel 0: sort\n\nChannel 1: That all looks good.\n\nChannel 0: of yeah.\n\nChannel 1: Yep. Go\n\nChannel 0: Beautiful.\n\nChannel 1: on.\n\nChannel 0: The last part of the recommendations there is to make sure that your beneficiaries are applied On your last cover with Zurich, applying a beneficiary for a 100% to your partner, Maria, making sure that in the event of passing that everything is paid out to her, and we're making sure that on your super fund, again, that you have a nonbinding lapsing sorry. A non lapsing binding nomination again to Maria just to make sure that if anything was to happen, that the claim could be made. The funds are paid out to her so she can continue to look after your family moving forward. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Underneath that, I've also made the recommendations that to serve a will and make sure power of attorneys are in place as well. I always sort of suggest if you have a local solicitor you're comfortable talking to to maybe meet with them and have a will and a power of attorney drawn up, especially now as you do have your two kids there. You're wanting to make sure that in the event that something happens that, you know, your t's are crossed in your i's, the daughter, that your family are protected.\n\nHaving the beneficiaries in place looks after your life cover and your super, but there's also all those other assets that you do hold outside\n\nChannel 1: Yep.\n\nChannel 0: of super, like your home, any investments you might have, your cars, your caravans, all of your belongings and your savings accounts and things like that. So all of those sorts of things still also need to be accounted for in the future and looked after to make sure they're\n\nChannel 1: Yep.\n\nChannel 0: distributed as per your wishes. Okay?\n\nChannel 1: Yeah. I had that in I had that in play, but I got two free photos from the list of it, but I never never got\n\nChannel 0: Yeah.\n\nChannel 1: to accepting one and really scheduling it in, but it's on the list\n\nChannel 0: Yeah.\n\nChannel 1: for this year.\n\nChannel 0: Yeah. It's amazing when having another child and things changing a little bit. It does make you think a bit more about that side of things, doesn't it?\n\nChannel 1: Of course. Of course.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: No. Beautiful. The only other thing to sort of make mention there for you, Matthew, is that when we do look at insurances, we are we are paid commissions from the insurance company for the insurances that we set up for you. It is really important. I note that it is standardized across the board.\n\nSo we do receive 66% of the first year's premiums and 22%, they're ongoing. It is standard and legislative across the board that it's the same for all insurance companies, so it has no effect on the recommendation I have made. The recommendations made are in your best interest and in line with your goals and making sure that it is cost effective for you as well. Okay?\n\nChannel 1: Yep. I've got\n\nChannel 0: Beautiful.\n\nChannel 1: it. I've had my fair\n\nChannel 0: Are you\n\nChannel 1: share of insurance. I understand how\n\nChannel 0: yeah.\n\nChannel 1: the commissions work. Yeah.\n\nChannel 0: No. All good. That's basically everything I needed to run through with you there. You're welcome to have a really good read through the document. Let me know if you do happen to have any questions there at all.\n\nBut do you have any questions for me at the moment with what I have gone through?\n\nChannel 1: No. No. I'm actually quite happy with it. It's pretty simple to to go through, and I guess, in layman terms of people to understand.\n\nChannel 0: Yeah.\n\nChannel 1: So, no, it's good. The address is exactly what we discussed previously, so\n\nChannel 0: Yeah.\n\nChannel 1: not happy with\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Oh, lovely. Well, thank you so much for that. I will let you go to have a read to it. If you are happy to\n\nChannel 1: Yeah.\n\nChannel 0: take on the recommendations there, I'll just get you to sign and return that one back there for me. On the last page of the advice document, we do have a little text box there as well. So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with. If you're happy to proceed with all the recommendations, just put NA in the box.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'm in the little bottom part there and send it back to us. We've also got in there for you as an attachment the quotes, which gives you a bit of a breakdown of the insurances. I've got the financial service guide which outlines everything about who I am, what I do, and everything here about Oakview Financial. And if you're like me and enjoy a bit of reading, miss Drew, I've also got the product disclosure statements attached to the email for you as well in case you wanted to have a bit more detailed look at the products. Okay.\n\nChannel 1: Yep. No. That's perfect. Thank you for providing\n\nChannel 0: Fantastic.\n\nChannel 1: that.\n\nChannel 0: Not a problem at all. Well, thank you so much for your time. I'll let you go. Have a read through that. And if you find you have any questions at all, you're welcome to let me know.\n\nOkay?\n\nChannel 1: Will do it. No. I appreciate you finding me. Thank you very much.\n\nChannel 0: Oh, no problem, Matthew. Enjoy the rest of your day. It was a pleasure.\n\nChannel 1: Thank you. Bye.\n\nChannel 0: Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Not too","start":1.92,"end":2.74,"sentiment":"neutral","sentiment_score":-0.0563945546746254}],"sentiment":"neutral","sentiment_score":-0.0563945546746254,"channel":1,"num_words":2,"start":1.92,"end":2.74},{"sentences":[{"text":"Hi, Matthew.","start":4.24,"end":4.88,"sentiment":"neutral","sentiment_score":0.012720656115561724},{"text":"It's Zaina from OQ Financial.","start":4.88,"end":6.48,"sentiment":"neutral","sentiment_score":0.05159452334046364},{"text":"How are you this afternoon?","start":6.48,"end":7.7,"sentiment":"neutral","sentiment_score":0.09409699589014053}],"sentiment":"neutral","sentiment_score":0.06282490903201203,"channel":0,"num_words":12,"start":4.24,"end":7.7},{"sentences":[{"text":"bad.","start":8.4,"end":8.559999,"sentiment":"neutral","sentiment_score":0.001884886994957924},{"text":"How are you doing?","start":8.559999,"end":9.46,"sentiment":"neutral","sentiment_score":0.06188237760215998}],"sentiment":"neutral","sentiment_score":0.049882879480719566,"channel":1,"num_words":5,"start":8.4,"end":9.46},{"sentences":[{"text":"I'm very well.","start":9.5199995,"end":10.48,"sentiment":"positive","sentiment_score":0.48176008462905884},{"text":"Thank you.","start":10.48,"end":10.88,"sentiment":"positive","sentiment_score":0.6117182374000549},{"text":"Thanks for asking.","start":10.88,"end":11.86,"sentiment":"positive","sentiment_score":0.5647412538528442},{"text":"I had you booked in to run through your updated statement of advice.","start":11.92,"end":14.88,"sentiment":"neutral","sentiment_score":0.15982101685725725},{"text":"Is now","start":14.88,"end":15.405,"sentiment":"neutral","sentiment_score":0.06936811283230782}],"sentiment":"neutral","sentiment_score":0.28605869282846863,"channel":0,"num_words":23,"start":9.5199995,"end":15.405},{"sentences":[{"text":"Yes.","start":17.205,"end":17.605,"sentiment":"neutral","sentiment_score":0.16866382956504822},{"text":"Perfect.","start":17.605,"end":18.105,"sentiment":"positive","sentiment_score":0.4909890592098236}],"sentiment":"neutral","sentiment_score":0.3298264443874359,"channel":1,"num_words":2,"start":17.205,"end":18.105},{"sentences":[{"text":"still a good time there for you?","start":18.045,"end":18.125,"sentiment":"positive","sentiment_score":0.41536919134003775},{"text":"Fantastic.","start":18.125,"end":18.625,"sentiment":"positive","sentiment_score":0.39975231885910034},{"text":"How is everything going at home at the moment?","start":19.164999,"end":21.585,"sentiment":"neutral","sentiment_score":0.1612674809164471}],"sentiment":"neutral","sentiment_score":0.2799261168521993,"channel":0,"num_words":17,"start":18.045,"end":21.585},{"sentences":[{"text":"Things are busy.","start":22.645,"end":23.445,"sentiment":"neutral","sentiment_score":-0.025452454884847004},{"text":"I think we're well","start":23.445,"end":24.165,"sentiment":"neutral","sentiment_score":0.02177600795403123}],"sentiment":"neutral","sentiment_score":0.0015352381659405573,"channel":1,"num_words":7,"start":22.645,"end":24.165},{"sentences":[{"text":"Yes?","start":24.044998,"end":24.544998,"sentiment":"neutral","sentiment_score":0.04803475737571716}],"sentiment":"neutral","sentiment_score":0.04803475737571716,"channel":0,"num_words":1,"start":24.044998,"end":24.544998},{"sentences":[{"text":"into working here, but, yeah,","start":24.165,"end":26.125,"sentiment":"neutral","sentiment_score":0.018578992784023286}],"sentiment":"neutral","sentiment_score":0.018578992784023286,"channel":1,"num_words":5,"start":24.165,"end":26.125},{"sentences":[{"text":"Absolutely.","start":26.044998,"end":26.544998,"sentiment":"neutral","sentiment_score":0.2775704264640808}],"sentiment":"neutral","sentiment_score":0.2775704264640808,"channel":0,"num_words":1,"start":26.044998,"end":26.544998},{"sentences":[{"text":"I think things are good.","start":26.125,"end":27.205,"sentiment":"positive","sentiment_score":0.42901394367218015},{"text":"Things are good.","start":27.205,"end":27.78,"sentiment":"positive","sentiment_score":0.401878943045934}],"sentiment":"positive","sentiment_score":0.4188383184373379,"channel":1,"num_words":8,"start":26.125,"end":27.78},{"sentences":[{"text":"Oh, good.","start":27.98,"end":28.62,"sentiment":"positive","sentiment_score":0.34464333951473236},{"text":"Good.","start":28.62,"end":28.78,"sentiment":"positive","sentiment_score":0.4115456342697144},{"text":"Everyone's settling in nicely.","start":28.78,"end":30.4,"sentiment":"positive","sentiment_score":0.41788122057914734}],"sentiment":"positive","sentiment_score":0.39605102794510977,"channel":0,"num_words":7,"start":27.98,"end":30.4},{"sentences":[{"text":"Yeah.","start":31.060001,"end":31.460001,"sentiment":"neutral","sentiment_score":0.05551428347826004},{"text":"Yeah.","start":31.460001,"end":31.78,"sentiment":"neutral","sentiment_score":-0.02484645694494247},{"text":"And I couldn't be happy at the moment.","start":31.78,"end":33.64,"sentiment":"negative","sentiment_score":-0.34312282130122185}],"sentiment":"neutral","sentiment_score":-0.2714314743876457,"channel":1,"num_words":10,"start":31.060001,"end":33.64},{"sentences":[{"text":"Oh, fantastic.","start":33.82,"end":35.12,"sentiment":"positive","sentiment_score":0.4082760065793991},{"text":"That is absolutely fantastic.","start":35.34,"end":36.8,"sentiment":"positive","sentiment_score":0.5216962546110153},{"text":"Matthew, do you happen to have access to your emails at the moment as well?","start":37.34,"end":40.96,"sentiment":"neutral","sentiment_score":0.06634241404632728}],"sentiment":"neutral","sentiment_score":0.18564158296656041,"channel":0,"num_words":21,"start":33.82,"end":40.96},{"sentences":[{"text":"Yes.","start":41.22,"end":41.46,"sentiment":"neutral","sentiment_score":0.060832127928733826},{"text":"I do.","start":41.46,"end":42.120003,"sentiment":"neutral","sentiment_score":0.07964973896741867}],"sentiment":"neutral","sentiment_score":0.07337720195452373,"channel":1,"num_words":3,"start":41.22,"end":42.120003},{"sentences":[{"text":"Yep.","start":42.225002,"end":42.545002,"sentiment":"neutral","sentiment_score":0.1318560242652893},{"text":"Perfect.","start":42.545002,"end":43.025,"sentiment":"neutral","sentiment_score":0.26311561465263367},{"text":"What I'm gonna do send through an email with the updated statement of advice.","start":43.025,"end":46.225002,"sentiment":"neutral","sentiment_score":0.12625617906451225},{"text":"If you wanted to let me know when that one comes through and open the document there, you'll be able to run through that one with me so you get a bit of an understanding of what I'm looking at.","start":46.225002,"end":54.625,"sentiment":"neutral","sentiment_score":0.11268090959638358},{"text":"Okay?","start":54.625,"end":55.125,"sentiment":"neutral","sentiment_score":0.08812341094017029}],"sentiment":"neutral","sentiment_score":0.1185599638704668,"channel":0,"num_words":57,"start":42.225002,"end":55.125},{"sentences":[{"text":"Yeah.","start":54.875,"end":55.275,"sentiment":"neutral","sentiment_score":0.14951059222221377},{"text":"That that sounds great.","start":55.275,"end":56.495,"sentiment":"positive","sentiment_score":0.3889916017651558}],"sentiment":"positive","sentiment_score":0.3410953998565674,"channel":1,"num_words":5,"start":54.875,"end":56.495},{"sentences":[{"text":"Perfect.","start":56.7,"end":57.2,"sentiment":"positive","sentiment_score":0.4189383387565613},{"text":"I've just sent the email through to you there.","start":57.98,"end":59.9,"sentiment":"neutral","sentiment_score":0.20626652737458548},{"text":"Now just confirming I'm sending it through to matthewhua@1992atgmail.com.","start":59.9,"end":64.56,"sentiment":"neutral","sentiment_score":0.13346581740511787}],"sentiment":"neutral","sentiment_score":0.18297523377757324,"channel":0,"num_words":19,"start":56.7,"end":64.56},{"sentences":[{"text":"That is correct.","start":64.76,"end":65.64,"sentiment":"neutral","sentiment_score":0.1352003663778305},{"text":"Yes.","start":65.64,"end":66.14,"sentiment":"neutral","sentiment_score":0.19187302887439728}],"sentiment":"neutral","sentiment_score":0.1493685320019722,"channel":1,"num_words":4,"start":64.76,"end":66.14},{"sentences":[{"text":"Beautiful.","start":66.06,"end":66.46,"sentiment":"positive","sentiment_score":0.3852626383304596},{"text":"And just to confirm, moving forward, I do record our calls for quality and training You're happy for me to proceed with that?","start":66.46,"end":71.975006,"sentiment":"neutral","sentiment_score":0.1926591959984406}],"sentiment":"neutral","sentiment_score":0.2006843394289414,"channel":0,"num_words":24,"start":66.06,"end":71.975006},{"sentences":[{"text":"Not an issue.","start":71.96,"end":72.495,"sentiment":"neutral","sentiment_score":0.09152316053708394},{"text":"Yeah.","start":72.65501,"end":73.15501,"sentiment":"neutral","sentiment_score":0.2109221518039703}],"sentiment":"neutral","sentiment_score":0.12137290835380554,"channel":1,"num_words":4,"start":71.96,"end":73.15501},{"sentences":[{"text":"Lovely.","start":73.475006,"end":73.875,"sentiment":"neutral","sentiment_score":0.31030088663101196},{"text":"And just to do security there with you as well, I'll just confirm your full name, date of birth, and address I should have on file.","start":73.875,"end":79.33501,"sentiment":"neutral","sentiment_score":0.13258693309930655}],"sentiment":"neutral","sentiment_score":0.1391689313782586,"channel":0,"num_words":27,"start":73.475006,"end":79.33501},{"sentences":[{"text":"Yep.","start":79.535,"end":80.035,"sentiment":"neutral","sentiment_score":0.07209879159927368},{"text":"It's full name is Matthew.","start":80.455,"end":82.675,"sentiment":"neutral","sentiment_score":0.05365491732954979},{"text":"Date of birth, 06/23/1992.","start":82.735,"end":85.555,"sentiment":"neutral","sentiment_score":0.04203037638217211}],"sentiment":"neutral","sentiment_score":0.050849488377571105,"channel":1,"num_words":10,"start":79.535,"end":85.555},{"sentences":[{"text":"Yep.","start":85.810005,"end":86.310005,"sentiment":"neutral","sentiment_score":0.03573291003704071}],"sentiment":"neutral","sentiment_score":0.03573291003704071,"channel":0,"num_words":1,"start":85.810005,"end":86.310005},{"sentences":[{"text":"Property address should be 33 Alamar Street at","start":86.33501,"end":89.130005,"sentiment":"neutral","sentiment_score":0.06528454925864935}],"sentiment":"neutral","sentiment_score":0.06528454925864935,"channel":1,"num_words":8,"start":86.33501,"end":89.130005},{"sentences":[{"text":"Beautiful.","start":90.450005,"end":90.950005,"sentiment":"neutral","sentiment_score":0.2640489637851715},{"text":"Thank you so much for that.","start":91.090004,"end":92.79,"sentiment":"positive","sentiment_score":0.554138054450353},{"text":"I've sent that","start":93.170006,"end":93.89,"sentiment":"neutral","sentiment_score":0.26539094746112823}],"sentiment":"positive","sentiment_score":0.4385050132870674,"channel":0,"num_words":10,"start":90.450005,"end":93.89},{"sentences":[{"text":"Lydtep.","start":93.75,"end":94.25,"sentiment":"neutral","sentiment_score":0.23201946914196017}],"sentiment":"neutral","sentiment_score":0.23201946914196017,"channel":1,"num_words":1,"start":93.75,"end":94.25},{"sentences":[{"text":"email through.","start":93.89,"end":94.450005,"sentiment":"neutral","sentiment_score":0.21965391933918},{"text":"Hopefully, it pops through fairly quickly 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me know if it does you that was excellent.","start":96.935005,"end":99.035,"sentiment":"neutral","sentiment_score":0.23929596319794655},{"text":"I've had some a couple of clients recently had trouble getting the emails coming through, so I'm glad yours came through nice and quickly there for you.","start":99.415,"end":106.315,"sentiment":"neutral","sentiment_score":0.2317867819909696},{"text":"If you open that one up, it'll ask you to it doesn't ask you to agree and accept anymore.","start":107.51,"end":112.310005,"sentiment":"neutral","sentiment_score":0.027530017652009662},{"text":"It does just have, like, a little sign button.","start":112.310005,"end":114.07,"sentiment":"neutral","sentiment_score":0.16430162555641598},{"text":"You press that, and then it lets you go forward so you can see the 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performance of the portfolio there.","start":885.3,"end":889.77997,"sentiment":"neutral","sentiment_score":0.04071289937322339},{"text":"Okay?","start":889.77997,"end":890.27997,"sentiment":"neutral","sentiment_score":0.04375079274177551},{"text":"And then your contributions.","start":891.20496,"end":892.58496,"sentiment":"neutral","sentiment_score":0.040046608075499535},{"text":"And I've also got there the insurance premium.","start":892.64496,"end":894.885,"sentiment":"neutral","sentiment_score":0.04264087323099375},{"text":"So one thing we are factoring into the advice is the life and CBD component.","start":894.885,"end":898.745,"sentiment":"neutral","sentiment_score":0.08331897954146067}],"sentiment":"neutral","sentiment_score":0.05708509241230786,"channel":0,"num_words":40,"start":885.3,"end":898.745},{"sentences":[{"text":"They will be paid out as 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return.","start":911.14996,"end":916.61,"sentiment":"neutral","sentiment_score":0.234794411276068},{"text":"Now I definitely don't think you're gonna get 17% every year moving forward,","start":916.90497,"end":920.925,"sentiment":"neutral","sentiment_score":-0.044726974402482696}],"sentiment":"neutral","sentiment_score":0.14604929391423177,"channel":0,"num_words":58,"start":901.125,"end":920.925},{"sentences":[{"text":"Of course.","start":920.65,"end":921.29,"sentiment":"neutral","sentiment_score":0.026454215869307518}],"sentiment":"neutral","sentiment_score":0.026454215869307518,"channel":1,"num_words":2,"start":920.65,"end":921.29},{"sentences":[{"text":"but","start":921.065,"end":921.305,"sentiment":"neutral","sentiment_score":0.03168876841664314}],"sentiment":"neutral","sentiment_score":0.03168876841664314,"channel":0,"num_words":1,"start":921.065,"end":921.305},{"sentences":[{"text":"Yep.","start":921.29,"end":921.79,"sentiment":"neutral","sentiment_score":0.06344175338745117}],"sentiment":"neutral","sentiment_score":0.06344175338745117,"channel":1,"num_words":1,"start":921.29,"end":921.79},{"sentences":[{"text":"if the markets do perform the way they have over the past, if the portfolio performs the way it has, you could see yourself over the next ten years increase your super balance up to about 900,144 as you'll see a little bit below there.","start":921.305,"end":935.32996,"sentiment":"neutral","sentiment_score":0.13581252131197188},{"text":"Okay.","start":935.38995,"end":935.88995,"sentiment":"neutral","sentiment_score":0.10905347764492036},{"text":"Yeah.","start":936.67,"end":937.17,"sentiment":"neutral","sentiment_score":0.15286549925804138},{"text":"I","start":937.23,"end":937.38995,"sentiment":"neutral","sentiment_score":0.20545831322669983}],"sentiment":"neutral","sentiment_score":0.13706126560767493,"channel":0,"num_words":48,"start":921.305,"end":937.38995},{"sentences":[{"text":"Thank","start":937.385,"end":937.705,"sentiment":"positive","sentiment_score":0.3719740808010102}],"sentiment":"positive","sentiment_score":0.3719740808010102,"channel":1,"num_words":1,"start":937.385,"end":937.705},{"sentences":[{"text":"see.","start":937.38995,"end":937.88995,"sentiment":"positive","sentiment_score":0.35986170172691345}],"sentiment":"positive","sentiment_score":0.35986170172691345,"channel":0,"num_words":1,"start":937.38995,"end":937.88995},{"sentences":[{"text":"you.","start":937.705,"end":938.205,"sentiment":"neutral","sentiment_score":0.3072747588157654}],"sentiment":"neutral","sentiment_score":0.3072747588157654,"channel":1,"num_words":1,"start":937.705,"end":938.205},{"sentences":[{"text":"So that's okay.","start":938.18994,"end":939.32996,"sentiment":"neutral","sentiment_score":0.2365025927623113},{"text":"So the advantages are that this portfolio has performed greater over the past.","start":939.38995,"end":943.32996,"sentiment":"positive","sentiment_score":0.3967807934834407},{"text":"It is saving you in the way of investment fees a bit.","start":943.64496,"end":946.045,"sentiment":"positive","sentiment_score":0.4232555056611697},{"text":"So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you.","start":946.045,"end":952.365,"sentiment":"positive","sentiment_score":0.4770498844710263},{"text":"It is limiting the CDT.","start":952.365,"end":953.90497,"sentiment":"neutral","sentiment_score":-0.3224712759256363}],"sentiment":"positive","sentiment_score":0.36053573164072905,"channel":0,"num_words":55,"start":938.18994,"end":953.90497},{"sentences":[{"text":"So the CDT has been reduced down to about 892, which is really important to try and reduce as much as possible.","start":954.52496,"end":960.69,"sentiment":"neutral","sentiment_score":-0.012405993924899534},{"text":"And we can see, so long as things work the same way, that it can provide greater potential growth in the future for you.","start":961.07,"end":967.39,"sentiment":"positive","sentiment_score":0.5690571181476116},{"text":"Okay?","start":967.39,"end":967.89,"sentiment":"neutral","sentiment_score":0.3165244460105896}],"sentiment":"neutral","sentiment_score":0.2915098598979889,"channel":0,"num_words":47,"start":954.52496,"end":967.89},{"sentences":[{"text":"Thank","start":967.92,"end":968.42,"sentiment":"positive","sentiment_score":0.6773075461387634}],"sentiment":"positive","sentiment_score":0.6773075461387634,"channel":1,"num_words":1,"start":967.92,"end":968.42},{"sentences":[{"text":"That's okay.","start":969.63,"end":970.45,"sentiment":"positive","sentiment_score":0.36888888478279114},{"text":"On the next page there, it 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is just outlining essentially the risk profile with the existing and the proposed.","start":981.40497,"end":989.92004,"sentiment":"neutral","sentiment_score":0.07265311823441432},{"text":"So as I kinda went through at the moment, you are in more of a growth portfolio, which generally sees about 80% of your super invested in growth assets.","start":990.06006,"end":997.74005,"sentiment":"neutral","sentiment_score":0.07969734676439187}],"sentiment":"neutral","sentiment_score":0.09593186230547186,"channel":0,"num_words":69,"start":975.40497,"end":997.74005},{"sentences":[{"text":"So things like Australian shares, 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seeing at the moment, having some physical gold in there is always a benefit.","start":1165.2201,"end":1170.3601,"sentiment":"neutral","sentiment_score":0.1288756739348173},{"text":"Some cybersecurity will be in there as well.","start":1171.885,"end":1174.365,"sentiment":"neutral","sentiment_score":0.18294832482933998},{"text":"Having about 7% there is more of a thematic kind of ETF investment, so you're wanting to branch out to try and get greater growth.","start":1174.365,"end":1180.765,"sentiment":"neutral","sentiment_score":0.1980643916130066},{"text":"And cybersecurity, whilst having some ups and downs, is still a very big player in the market.","start":1180.765,"end":1185.505,"sentiment":"neutral","sentiment_score":0.10396871398038723},{"text":"And moving forward, the governments are putting a lot of money into cybersecurity in areas like that.","start":1185.6499,"end":1190.3899,"sentiment":"neutral","sentiment_score":0.18351104110479355}],"sentiment":"neutral","sentiment_score":0.15953868625407247,"channel":0,"num_words":87,"start":1165.2201,"end":1190.3899},{"sentences":[{"text":"The S and P 500, it's more one of your standard sort of core investments in the portfolio.","start":1191.33,"end":1198.1499,"sentiment":"neutral","sentiment_score":0.1943055788675944},{"text":"We would see about 25% invested in there.","start":1198.605,"end":1201.565,"sentiment":"neutral","sentiment_score":0.051999811083078384},{"text":"Whilst the markets in The US and Australia have seen lots of ups and downs at the moment, they are still good to hold.","start":1201.565,"end":1207.405,"sentiment":"neutral","sentiment_score":-0.19115791042956212},{"text":"We wanna make sure we're holding through that.","start":1207.405,"end":1209.485,"sentiment":"neutral","sentiment_score":-0.0645499313250184},{"text":"And one of the benefits of the S and P 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things.","start":1296.815,"end":1301.935,"sentiment":"neutral","sentiment_score":0.1401142980903387},{"text":"This is looking at, like, cybersecurity within health care.","start":1301.935,"end":1305.3301,"sentiment":"neutral","sentiment_score":0.1292625872625245},{"text":"It's looking at the technology side of things within health care.","start":1305.3301,"end":1308.05,"sentiment":"neutral","sentiment_score":0.15123350308700043},{"text":"So there are a lot of advantages and changes coming to the health care sector with the robotics and the IT side of things.","start":1308.05,"end":1313.8301,"sentiment":"positive","sentiment_score":0.43406111871202785},{"text":"So this is also encompassing some of those sorts of areas for you as well.","start":1313.9701,"end":1318.065,"sentiment":"neutral","sentiment_score":0.32434431711832684}],"sentiment":"neutral","sentiment_score":0.26163059238482406,"channel":0,"num_words":81,"start":1296.815,"end":1318.065},{"sentences":[{"text":"And then you would also see about 10% in the Affinity Share Funds.","start":1318.625,"end":1322.3849,"sentiment":"neutral","sentiment_score":0.22305782024676984},{"text":"So giving you a bit of","start":1322.3849,"end":1323.345,"sentiment":"neutral","sentiment_score":0.24466806650161743}],"sentiment":"neutral","sentiment_score":0.22988210853777433,"channel":0,"num_words":19,"start":1318.625,"end":1323.345},{"sentences":[{"text":"Yep.","start":1323.285,"end":1323.785,"sentiment":"neutral","sentiment_score":0.19719737768173215}],"sentiment":"neutral","sentiment_score":0.19719737768173215,"channel":1,"num_words":1,"start":1323.285,"end":1323.785},{"sentences":[{"text":"an actively managed component, we wanna make sure we review this with you on a regular basis.","start":1323.345,"end":1328.465,"sentiment":"neutral","sentiment_score":0.1879999891800039},{"text":"So if this investment","start":1328.465,"end":1329.5249,"sentiment":"neutral","sentiment_score":0.03958610910922289}],"sentiment":"neutral","sentiment_score":0.15973067869033133,"channel":0,"num_words":21,"start":1323.345,"end":1329.5249},{"sentences":[{"text":"Okay.","start":1329.2925,"end":1329.7925,"sentiment":"neutral","sentiment_score":0.007983723655343056}],"sentiment":"neutral","sentiment_score":0.007983723655343056,"channel":1,"num_words":1,"start":1329.2925,"end":1329.7925},{"sentences":[{"text":"does need to be moved in the future, that we're able to remove that for you and alter your portfolio.","start":1329.585,"end":1334.1799,"sentiment":"neutral","sentiment_score":-0.003067941777408123},{"text":"And then the JPMorgan Global Enhanced Research in equity fund, this is looking at they utilize JPMorgan's research team, and they're looking at investments globally in areas of great growth.","start":1334.88,"end":1348.315,"sentiment":"neutral","sentiment_score":0.1777524178226789},{"text":"So it's giving you a little bit of a little bit of active management in there.","start":1348.315,"end":1353.115,"sentiment":"neutral","sentiment_score":0.27595953922718763},{"text":"If only a small portion actively managed, but they are looking at globally.","start":1353.115,"end":1357.295,"sentiment":"neutral","sentiment_score":0.12750969884487298},{"text":"So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good.","start":1357.355,"end":1361.0227,"sentiment":"positive","sentiment_score":0.4714622604846954}],"sentiment":"neutral","sentiment_score":0.22241104734488404,"channel":0,"num_words":104,"start":1329.585,"end":1361.0227},{"sentences":[{"text":"And then, obviously, the to help you do that is really good.","start":1361.0227,"end":1363.87,"sentiment":"positive","sentiment_score":0.601041259864966},{"text":"And then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out.","start":1364.8099,"end":1374.285,"sentiment":"neutral","sentiment_score":0.17383827712084796},{"text":"You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system.","start":1374.4451,"end":1383.885,"sentiment":"neutral","sentiment_score":0.1160936860833317},{"text":"So they have, like, a set time of the month where they go through, and they might buy and sell certain investments.","start":1383.885,"end":1389.26,"sentiment":"neutral","sentiment_score":0.11290689219128001},{"text":"It's kind of a cash run.","start":1389.26,"end":1390.88,"sentiment":"neutral","sentiment_score":0.1594401771823565}],"sentiment":"neutral","sentiment_score":0.19082662401669617,"channel":0,"num_words":109,"start":1361.0227,"end":1390.88},{"sentences":[{"text":"It's making sure they do top up the cash in your super fund, or if you have too much, they'll start to buy into some investments.","start":1391.18,"end":1397.3601,"sentiment":"neutral","sentiment_score":0.1452051828113886},{"text":"That way, you don't have too much sitting there.","start":1397.42,"end":1399.5,"sentiment":"neutral","sentiment_score":0.17593579242626825},{"text":"So that does happen around about the twentieth of every month.","start":1399.5,"end":1402.855,"sentiment":"neutral","sentiment_score":0.11292486434633081},{"text":"Okay?","start":1402.915,"end":1403.415,"sentiment":"neutral","sentiment_score":0.05067182332277298}],"sentiment":"neutral","sentiment_score":0.1415234514056368,"channel":0,"num_words":47,"start":1391.18,"end":1403.415},{"sentences":[{"text":"No.","start":1403.595,"end":1404.095,"sentiment":"neutral","sentiment_score":0.019897937774658203}],"sentiment":"neutral","sentiment_score":0.019897937774658203,"channel":1,"num_words":1,"start":1403.595,"end":1404.095},{"sentences":[{"text":"Perfect.","start":1404.995,"end":1405.495,"sentiment":"neutral","sentiment_score":0.2670696973800659},{"text":"Do you have any questions about any of that so far?","start":1405.955,"end":1408.775,"sentiment":"neutral","sentiment_score":0.0975820158015598},{"text":"No?","start":1410.275,"end":1410.755,"sentiment":"neutral","sentiment_score":0.03534392639994621},{"text":"Perfect.","start":1410.755,"end":1411.255,"sentiment":"neutral","sentiment_score":0.2376398593187332},{"text":"Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you.","start":1412.13,"end":1418.55,"sentiment":"neutral","sentiment_score":0.14405533197251233}],"sentiment":"neutral","sentiment_score":0.1328520266753104,"channel":0,"num_words":36,"start":1404.995,"end":1418.55},{"sentences":[{"text":"Yep.","start":1419.89,"end":1420.0499,"sentiment":"neutral","sentiment_score":0.15414884686470032},{"text":"I'm on it now.","start":1420.0499,"end":1421.11,"sentiment":"neutral","sentiment_score":0.1318063735961914}],"sentiment":"neutral","sentiment_score":0.13627486824989318,"channel":1,"num_words":5,"start":1419.89,"end":1421.11},{"sentences":[{"text":"So beautiful.","start":1421.5701,"end":1422.55,"sentiment":"positive","sentiment_score":0.7927420735359192},{"text":"So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there.","start":1422.93,"end":1437.325,"sentiment":"neutral","sentiment_score":0.18800003603100776},{"text":"I have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich.","start":1437.705,"end":1444.72,"sentiment":"neutral","sentiment_score":0.05077743756451777},{"text":"So Zurich are one of Australia's largest insurers.","start":1444.72,"end":1446.88,"sentiment":"neutral","sentiment_score":0.09582511708140373},{"text":"They have been around for a really long time, and they offered the best rate available to you.","start":1446.88,"end":1451.46,"sentiment":"neutral","sentiment_score":0.15060143255525166}],"sentiment":"neutral","sentiment_score":0.14985548040636307,"channel":0,"num_words":106,"start":1421.5701,"end":1451.46},{"sentences":[{"text":"Essentially, for the first year's premium to be deducted from your super fund for the recommended amount of cover, it's just gonna cost about a $190.01, so very cheap to have that license TBD.","start":1451.9199,"end":1463.3049,"sentiment":"neutral","sentiment_score":0.1905958615243435}],"sentiment":"neutral","sentiment_score":0.1905958615243435,"channel":0,"num_words":34,"start":1451.9199,"end":1463.3049},{"sentences":[{"text":"Yep.","start":1464.03,"end":1464.11,"sentiment":"neutral","sentiment_score":0.099668487906456},{"text":"Yep.","start":1464.11,"end":1464.61,"sentiment":"neutral","sentiment_score":0.10396738350391388}],"sentiment":"neutral","sentiment_score":0.10181793570518494,"channel":1,"num_words":2,"start":1464.03,"end":1464.61},{"sentences":[{"text":"Essentially, underneath that, you'll see the amount of 223 and 54¢ there.","start":1464.325,"end":1469.9401,"sentiment":"neutral","sentiment_score":0.09134690294211562},{"text":"That's how much the insurer actually receives the premium.","start":1470.24,"end":1472.9601,"sentiment":"neutral","sentiment_score":0.15097391025887597},{"text":"You get a bit of a 15% rebate or a discount on the policy, so you'll only pay the $1.90 out of your super fund for the best year.","start":1472.9601,"end":1479.86,"sentiment":"neutral","sentiment_score":0.2224518004162558}],"sentiment":"neutral","sentiment_score":0.17989149666866477,"channel":0,"num_words":50,"start":1464.325,"end":1479.86},{"sentences":[{"text":"Mhmm.","start":1480.285,"end":1480.785,"sentiment":"neutral","sentiment_score":0.03369180113077164}],"sentiment":"neutral","sentiment_score":0.03369180113077164,"channel":1,"num_words":1,"start":1480.285,"end":1480.785},{"sentences":[{"text":"Underneath that, you've got your best interest, Judy.","start":1480.8,"end":1483.12,"sentiment":"neutral","sentiment_score":0.05674070745590143},{"text":"So the amount of cover recommended is in in line with what you wanted, and we'll review that with you regularly to make sure it stays in line with what you're after.","start":1483.12,"end":1490.9149,"sentiment":"neutral","sentiment_score":0.0866596611449495},{"text":"You do need to go through, essentially, an application.","start":1491.375,"end":1493.7949,"sentiment":"neutral","sentiment_score":-0.019891638826164935},{"text":"So they will look at your health.","start":1493.9349,"end":1495.135,"sentiment":"neutral","sentiment_score":-0.01723268228982176},{"text":"There's nothing that was really flagged with anything that we spoke about to to note that it could be any loadings or exclusions.","start":1495.135,"end":1500.77,"sentiment":"neutral","sentiment_score":-0.11507218428280043}],"sentiment":"neutral","sentiment_score":0.0035534310419866933,"channel":0,"num_words":79,"start":1480.8,"end":1500.77},{"sentences":[{"text":"But if there is anything that comes out in the application, there could be loadings or exclusions applied to the policy.","start":1500.83,"end":1506.77,"sentiment":"neutral","sentiment_score":-0.13536169096117928}],"sentiment":"neutral","sentiment_score":-0.13536169096117928,"channel":0,"num_words":21,"start":1500.83,"end":1506.77},{"sentences":[{"text":"Yep.","start":1507.195,"end":1507.5,"sentiment":"neutral","sentiment_score":0.06512375175952911},{"text":"And","start":1507.66,"end":1508.16,"sentiment":"neutral","sentiment_score":0.08461937308311462}],"sentiment":"neutral","sentiment_score":0.07487156242132187,"channel":1,"num_words":2,"start":1507.195,"end":1508.16},{"sentences":[{"text":"Well, it's all good.","start":1507.7899,"end":1510.5299,"sentiment":"neutral","sentiment_score":0.33238790184259415},{"text":"When you do go through the application with my colleague, Jack, he'll probably flag it with me if there's anything that we need to maybe review.","start":1510.75,"end":1517.115,"sentiment":"neutral","sentiment_score":0.06597817323815364},{"text":"But when you and I spoke last time, there was nothing","start":1517.495,"end":1519.6549,"sentiment":"neutral","sentiment_score":-0.1930753541263667}],"sentiment":"neutral","sentiment_score":0.022467200394447256,"channel":0,"num_words":41,"start":1507.7899,"end":1519.6549},{"sentences":[{"text":"I almost","start":1519.42,"end":1519.515,"sentiment":"negative","sentiment_score":-0.38958142697811127}],"sentiment":"negative","sentiment_score":-0.38958142697811127,"channel":1,"num_words":2,"start":1519.42,"end":1519.515},{"sentences":[{"text":"of concern that really showed us there was gonna be anything on the on the policy as a loading or exclusion.","start":1519.6549,"end":1525.195,"sentiment":"negative","sentiment_score":-0.4074578434228897},{"text":"It gives you that level of cover in the event that something was to happen.","start":1525.75,"end":1528.71,"sentiment":"positive","sentiment_score":0.48319600025812787},{"text":"And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released.","start":1528.71,"end":1537.6699,"sentiment":"neutral","sentiment_score":0.30021114330048915},{"text":"So it makes sure your family gets an extra benefit with the life cover.","start":1537.6699,"end":1541.705,"sentiment":"positive","sentiment_score":0.5409547409840992},{"text":"Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well.","start":1541.705,"end":1548.1849,"sentiment":"positive","sentiment_score":0.3819049047651114}],"sentiment":"neutral","sentiment_score":0.2373252400340369,"channel":0,"num_words":104,"start":1519.6549,"end":1548.1849},{"sentences":[{"text":"Okay?","start":1548.1849,"end":1548.6849,"sentiment":"neutral","sentiment_score":0.22969397902488708}],"sentiment":"neutral","sentiment_score":0.22969397902488708,"channel":0,"num_words":1,"start":1548.1849,"end":1548.6849},{"sentences":[{"text":"Got it.","start":1548.985,"end":1549.625,"sentiment":"neutral","sentiment_score":0.2984536737203598},{"text":"Understood.","start":1549.625,"end":1550.125,"sentiment":"neutral","sentiment_score":0.1828726828098297}],"sentiment":"neutral","sentiment_score":0.2599266767501831,"channel":1,"num_words":3,"start":1548.985,"end":1550.125},{"sentences":[{"text":"Perfect.","start":1550.105,"end":1550.605,"sentiment":"positive","sentiment_score":0.5940219163894653},{"text":"On the next page there, one of the important things to kinda note is that when you are paying for the insurance premiums out of super, it does have an effect.","start":1551.96,"end":1559.82,"sentiment":"neutral","sentiment_score":0.3195177980007664},{"text":"And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns","start":1559.88,"end":1567.615,"sentiment":"neutral","sentiment_score":0.24669957109566393}],"sentiment":"neutral","sentiment_score":0.28939936419979473,"channel":0,"num_words":61,"start":1550.105,"end":1567.615},{"sentences":[{"text":"Mhmm.","start":1567.575,"end":1568.075,"sentiment":"neutral","sentiment_score":0.18004539608955383}],"sentiment":"neutral","sentiment_score":0.18004539608955383,"channel":1,"num_words":1,"start":1567.575,"end":1568.075},{"sentences":[{"text":"it has received.","start":1567.615,"end":1568.515,"sentiment":"neutral","sentiment_score":0.283597191174825},{"text":"You'll see that we've got the same table again, but at the very end, it's got the no insurance option.","start":1568.895,"end":1573.9349,"sentiment":"neutral","sentiment_score":0.19085764549672604},{"text":"So,","start":1573.9349,"end":1574.4349,"sentiment":"neutral","sentiment_score":0.2354712188243866}],"sentiment":"neutral","sentiment_score":0.20430898759514093,"channel":0,"num_words":24,"start":1567.615,"end":1574.4349},{"sentences":[{"text":"Yep.","start":1574.4524,"end":1574.9524,"sentiment":"positive","sentiment_score":0.3334789276123047}],"sentiment":"positive","sentiment_score":0.3334789276123047,"channel":1,"num_words":1,"start":1574.4524,"end":1574.9524},{"sentences":[{"text":"essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much.","start":1574.575,"end":1580.31,"sentiment":"neutral","sentiment_score":0.2888766187760565},{"text":"However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment.","start":1580.8701,"end":1591.6101,"sentiment":"neutral","sentiment_score":0.2069786683871196},{"text":"Okay?","start":1591.67,"end":1592.17,"sentiment":"neutral","sentiment_score":0.17863859236240387}],"sentiment":"neutral","sentiment_score":0.2319066516798118,"channel":0,"num_words":58,"start":1574.575,"end":1592.17},{"sentences":[{"text":"That's","start":1593.57,"end":1593.8099,"sentiment":"positive","sentiment_score":0.49860119819641113}],"sentiment":"positive","sentiment_score":0.49860119819641113,"channel":1,"num_words":1,"start":1593.57,"end":1593.8099},{"sentences":[{"text":"Perfect.","start":1593.6849,"end":1594.1849,"sentiment":"positive","sentiment_score":0.6713377237319946}],"sentiment":"positive","sentiment_score":0.6713377237319946,"channel":0,"num_words":1,"start":1593.6849,"end":1594.1849},{"sentences":[{"text":"pretty straightforward.","start":1593.8099,"end":1594.47,"sentiment":"positive","sentiment_score":0.6119481921195984},{"text":"Yep.","start":1594.7699,"end":1595.2699,"sentiment":"positive","sentiment_score":0.375433087348938}],"sentiment":"positive","sentiment_score":0.5331098238627116,"channel":1,"num_words":3,"start":1593.8099,"end":1595.2699},{"sentences":[{"text":"Yeah.","start":1595.365,"end":1595.845,"sentiment":"positive","sentiment_score":0.4954542517662048},{"text":"Beautiful.","start":1595.845,"end":1596.345,"sentiment":"positive","sentiment_score":0.7047600746154785},{"text":"The advantages, disadvantages, and the risks involved are also noted out there for you as well.","start":1597.205,"end":1601.7649,"sentiment":"positive","sentiment_score":0.41944286320358515},{"text":"So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover.","start":1601.7649,"end":1610.26,"sentiment":"positive","sentiment_score":0.5284840528454099},{"text":"So every year that you do happen to keep the cover in place, you don't have to reapply or anything.","start":1610.26,"end":1615.7,"sentiment":"positive","sentiment_score":0.4743270829319954}],"sentiment":"positive","sentiment_score":0.4878090193325823,"channel":0,"num_words":66,"start":1595.365,"end":1615.7},{"sentences":[{"text":"The insurances are just renewed each year.","start":1615.7,"end":1618.04,"sentiment":"positive","sentiment_score":0.4165706591946738},{"text":"Increasing claims, essentially, if you're on a claim, it can obviously make sure that that the claim is paid out along with c p CPI.","start":1618.42,"end":1625.415,"sentiment":"positive","sentiment_score":0.48654956221580503},{"text":"And we have what's called a last buyback option here as well.","start":1626.035,"end":1628.995,"sentiment":"neutral","sentiment_score":0.23697637595857182},{"text":"So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy.","start":1628.995,"end":1637.895,"sentiment":"neutral","sentiment_score":0.11577478051185608},{"text":"It essentially means that in the event of a claim for TPD, your TPD payment is paid out.","start":1638.27,"end":1643.39,"sentiment":"neutral","sentiment_score":0.11940424475404951}],"sentiment":"neutral","sentiment_score":0.25150836151289313,"channel":0,"num_words":95,"start":1615.7,"end":1643.39},{"sentences":[{"text":"And then because we have attached the policy to your life, it does actually wipe your life policy out.","start":1643.39,"end":1648.4501,"sentiment":"neutral","sentiment_score":0.18070686961475171},{"text":"So","start":1648.67,"end":1648.91,"sentiment":"neutral","sentiment_score":0.20867691934108737}],"sentiment":"neutral","sentiment_score":0.1821053721010685,"channel":0,"num_words":20,"start":1643.39,"end":1648.91},{"sentences":[{"text":"Yep.","start":1648.865,"end":1649.365,"sentiment":"positive","sentiment_score":0.3497304916381836}],"sentiment":"positive","sentiment_score":0.3497304916381836,"channel":1,"num_words":1,"start":1648.865,"end":1649.365},{"sentences":[{"text":"by having the life buyback option, it means that after your TBD claim, within about twelve months, your life policy is reinstated at the preclaim amount, and then you're able to claim back on that policy again.","start":1648.91,"end":1660.455,"sentiment":"neutral","sentiment_score":0.235740494889182},{"text":"By structuring this way, as much as we know that when the TBD claim happens, it does wipe your life out for the time being, that twelve months.","start":1661.075,"end":1669.88,"sentiment":"neutral","sentiment_score":0.2950619283531393},{"text":"It's actually a more cost effective way of structuring it.","start":1670.1001,"end":1673.06,"sentiment":"positive","sentiment_score":0.34317080676555634},{"text":"If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying.","start":1673.06,"end":1683.4451,"sentiment":"neutral","sentiment_score":0.1343175284564495},{"text":"So by structuring the policies this way, we're getting the multi policy discount.","start":1683.4451,"end":1688.165,"sentiment":"positive","sentiment_score":0.3532524693470735}],"sentiment":"neutral","sentiment_score":0.24241736427438063,"channel":0,"num_words":122,"start":1648.91,"end":1688.165},{"sentences":[{"text":"We're making the premiums much cheaper for you, but also making sure that you have access to claim on both of those in the event that","start":1688.165,"end":1694.12,"sentiment":"neutral","sentiment_score":0.32492227451159406}],"sentiment":"neutral","sentiment_score":0.32492227451159406,"channel":0,"num_words":26,"start":1688.165,"end":1694.12},{"sentences":[{"text":"Yep.","start":1694.01,"end":1694.51,"sentiment":"neutral","sentiment_score":0.08470113575458527}],"sentiment":"neutral","sentiment_score":0.08470113575458527,"channel":1,"num_words":1,"start":1694.01,"end":1694.51},{"sentences":[{"text":"something was to happen.","start":1694.12,"end":1695.26,"sentiment":"neutral","sentiment_score":0.09176311641931534},{"text":"Okay?","start":1695.32,"end":1695.82,"sentiment":"neutral","sentiment_score":0.05943766236305237}],"sentiment":"neutral","sentiment_score":0.08529802560806274,"channel":0,"num_words":5,"start":1694.12,"end":1695.82},{"sentences":[{"text":"Got 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go to have a read to it.","start":1919.675,"end":1921.595,"sentiment":"neutral","sentiment_score":0.25665742700750177},{"text":"If you are happy to","start":1921.595,"end":1922.475,"sentiment":"neutral","sentiment_score":0.1554255336523056}],"sentiment":"neutral","sentiment_score":0.2788697099685669,"channel":0,"num_words":25,"start":1917.435,"end":1922.475},{"sentences":[{"text":"Yeah.","start":1922.4675,"end":1922.9675,"sentiment":"neutral","sentiment_score":0.07559951394796371}],"sentiment":"neutral","sentiment_score":0.07559951394796371,"channel":1,"num_words":1,"start":1922.4675,"end":1922.9675},{"sentences":[{"text":"take on the recommendations there, I'll just get you to sign and return that one back there for me.","start":1922.475,"end":1926.8151,"sentiment":"neutral","sentiment_score":0.16674344712182096},{"text":"On the last page of the advice document, we do have a little text box there as well.","start":1927.035,"end":1931.37,"sentiment":"neutral","sentiment_score":0.06407814472913742},{"text":"So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with.","start":1931.37,"end":1941.165,"sentiment":"neutral","sentiment_score":-0.10809396903373693},{"text":"If you're happy to proceed with all the recommendations, just put NA in the box.","start":1941.245,"end":1944.865,"sentiment":"neutral","sentiment_score":0.25577250321706135}],"sentiment":"neutral","sentiment_score":0.04500609806014432,"channel":0,"num_words":90,"start":1922.475,"end":1944.865},{"sentences":[{"text":"Mhmm.","start":1945.21,"end":1945.71,"sentiment":"neutral","sentiment_score":0.07165636122226715}],"sentiment":"neutral","sentiment_score":0.07165636122226715,"channel":1,"num_words":1,"start":1945.21,"end":1945.71},{"sentences":[{"text":"So I'm in the little bottom part there and send it back to us.","start":1945.405,"end":1949.165,"sentiment":"neutral","sentiment_score":0.16889407059976033},{"text":"We've also got in there for you as an attachment the quotes, which gives you a bit of a breakdown of the insurances.","start":1949.165,"end":1955.105,"sentiment":"neutral","sentiment_score":0.19352533700673477},{"text":"I've got the financial service guide which outlines everything about who I am, what I do, and everything here about Oakview Financial.","start":1955.245,"end":1961.68,"sentiment":"neutral","sentiment_score":0.21622949906370856},{"text":"And if you're like me and enjoy a bit of reading, miss Drew, I've also got the product disclosure statements attached to the email for you as well in case you wanted to have a bit more detailed look at the products.","start":1961.98,"end":1970.64,"sentiment":"neutral","sentiment_score":0.18711529955977485},{"text":"Okay.","start":1970.86,"end":1971.36,"sentiment":"neutral","sentiment_score":0.1508062481880188}],"sentiment":"neutral","sentiment_score":0.1919833093005068,"channel":0,"num_words":102,"start":1945.405,"end":1971.36},{"sentences":[{"text":"Yep.","start":1971.0,"end":1971.4,"sentiment":"neutral","sentiment_score":0.14066699147224426},{"text":"No.","start":1971.4,"end":1971.64,"sentiment":"neutral","sentiment_score":0.12017989158630372},{"text":"That's perfect.","start":1971.64,"end":1972.36,"sentiment":"positive","sentiment_score":0.5470908284187317},{"text":"Thank you for providing","start":1972.36,"end":1973.3201,"sentiment":"positive","sentiment_score":0.7544949501752853}],"sentiment":"positive","sentiment_score":0.5466260425746441,"channel":1,"num_words":8,"start":1971.0,"end":1973.3201},{"sentences":[{"text":"Fantastic.","start":1973.1849,"end":1973.6849,"sentiment":"positive","sentiment_score":0.6794291734695435}],"sentiment":"positive","sentiment_score":0.6794291734695435,"channel":0,"num_words":1,"start":1973.1849,"end":1973.6849},{"sentences":[{"text":"that.","start":1973.3201,"end":1973.8201,"sentiment":"positive","sentiment_score":0.5640591382980347}],"sentiment":"positive","sentiment_score":0.5640591382980347,"channel":1,"num_words":1,"start":1973.3201,"end":1973.8201},{"sentences":[{"text":"Not a problem at all.","start":1974.145,"end":1975.265,"sentiment":"positive","sentiment_score":0.47643488049507143},{"text":"Well, thank you so much for your time.","start":1975.265,"end":1976.705,"sentiment":"positive","sentiment_score":0.7225525751709938},{"text":"I'll let you go.","start":1976.705,"end":1977.6649,"sentiment":"positive","sentiment_score":0.5547689646482468},{"text":"Have a read through that.","start":1977.6649,"end":1978.465,"sentiment":"positive","sentiment_score":0.4733164429664612},{"text":"And if you find you have any questions at all, you're welcome to let me know.","start":1978.465,"end":1981.505,"sentiment":"positive","sentiment_score":0.3612736100330949}],"sentiment":"positive","sentiment_score":0.48759554836310837,"channel":0,"num_words":38,"start":1974.145,"end":1981.505},{"sentences":[{"text":"Okay?","start":1981.505,"end":1982.005,"sentiment":"neutral","sentiment_score":0.26493212580680847}],"sentiment":"neutral","sentiment_score":0.26493212580680847,"channel":0,"num_words":1,"start":1981.505,"end":1982.005},{"sentences":[{"text":"Will do it.","start":1982.235,"end":1982.795,"sentiment":"positive","sentiment_score":0.42451682686805725},{"text":"No.","start":1982.795,"end":1982.875,"sentiment":"neutral","sentiment_score":-0.009731590747833252},{"text":"I appreciate you finding me.","start":1982.875,"end":1984.155,"sentiment":"positive","sentiment_score":0.4612223982810974},{"text":"Thank you very much.","start":1984.155,"end":1985.135,"sentiment":"positive","sentiment_score":0.7251730114221573}],"sentiment":"positive","sentiment_score":0.49774022515003497,"channel":1,"num_words":13,"start":1982.235,"end":1985.135},{"sentences":[{"text":"Oh, no problem, Matthew.","start":1985.173,"end":1986.3729,"sentiment":"positive","sentiment_score":0.572682112455368},{"text":"Enjoy the rest of your day.","start":1986.3729,"end":1987.4929,"sentiment":"positive","sentiment_score":0.7764882445335388},{"text":"It was a pleasure.","start":1987.4929,"end":1988.393,"sentiment":"positive","sentiment_score":0.844750702381134}],"sentiment":"positive","sentiment_score":0.7377614804676601,"channel":0,"num_words":14,"start":1985.173,"end":1988.393},{"sentences":[{"text":"Thank you.","start":1987.915,"end":1988.635,"sentiment":"positive","sentiment_score":0.7320095300674438},{"text":"Bye.","start":1988.635,"end":1989.135,"sentiment":"positive","sentiment_score":0.4485812783241272}],"sentiment":"positive","sentiment_score":0.637533446153005,"channel":1,"num_words":3,"start":1987.915,"end":1989.135},{"sentences":[{"text":"Thank you.","start":1989.173,"end":1989.653,"sentiment":"positive","sentiment_score":0.5882104635238647},{"text":"See you later.","start":1989.653,"end":1990.293,"sentiment":"positive","sentiment_score":0.4573519726594289},{"text":"Bye.","start":1990.293,"end":1990.793,"sentiment":"neutral","sentiment_score":-0.08986181765794754}],"sentiment":"positive","sentiment_score":0.40976917122801143,"channel":0,"num_words":6,"start":1989.173,"end":1990.793}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak to customers about their investment portfolios and risk tolerance, recommending changes to their life and retirement plans, and discussing the benefits of retaining a low risk profile. They also emphasize the importance of diversification and risk management for the portfolio, as well as the importance of serving a will and power of attorney for beneficiaries. The speakers emphasize the benefits of a stable and affordable premium for the most profitable investments, the importance of coverage for individuals in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in a situation where they may be in"},"intents":{"segments":[{"text":"I've just sent the email through to you there. Now just confirming I'm sending it through to matthewhua@1992atgmail.com. That is correct.","start_word":187,"end_word":207,"intents":[{"intent":"Confirm email","confidence_score":0.011764797}]},{"text":"It does just have, like, a little sign button. You press that, and then it lets you go forward so you can see the document. I will never ask you to sign anything Mhmm. you haven't read, but it does let you scroll Yep. through that document there. Okay? Yep.","start_word":366,"end_word":415,"intents":[{"intent":"Guide documents","confidence_score":0.0034090697}]},{"text":"Now when we sorta had spoken last time, you wanted to look at maybe moving into more of a high growth profile for your super, just making sure you're taking a bit more risk in the market to try and obtain those greater potential returns moving forward.","start_word":663,"end_word":709,"intents":[{"intent":"Assess investment options","confidence_score":0.0017702522}]},{"text":"And under the Better Advice Act 2021, I am a relevant tax provider. That essentially means I'm authorized to provide tax financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your tax for you.","start_word":1252,"end_word":1294,"intents":[{"intent":"Provide tax advice","confidence_score":0.016208753}]},{"text":"The first one there is that we are recommending that you do retain your Hub twenty four super account.","start_word":1787,"end_word":1805,"intents":[{"intent":"Retain super account","confidence_score":0.17023832}]},{"text":"pertaining hub twenty four worked out more cost effective for you. Okay.","start_word":1964,"end_word":1975,"intents":[{"intent":"Optimize portfolio","confidence_score":0.00026573878}]},{"text":"We are recommending that you do continue all contributions to go into the hub twenty four funds, so no changes there for you at all. Okay?","start_word":2316,"end_word":2341,"intents":[{"intent":"Promote investment recommendations","confidence_score":0.00046322183}]},{"text":"Maintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well.","start_word":2444,"end_word":2484,"intents":[{"intent":"Limit cgt consequences","confidence_score":0.08699257}]},{"text":"Maintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well. So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well. Okay.","start_word":2444,"end_word":2525,"intents":[{"intent":"Provide information about investments","confidence_score":0.00012577642}]},{"text":"Maintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well. So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well. Okay. Okay?","start_word":2444,"end_word":2526,"intents":[{"intent":"Identify investments","confidence_score":0.004335792}]},{"text":"Underneath that, you'll see the advantages, the disadvantages, and the risks involved.","start_word":2527,"end_word":2538,"intents":[{"intent":"Reduce risks","confidence_score":0.03187877},{"intent":"Show portfolio benefits","confidence_score":0.018900951}]},{"text":"The recommended portfolio we are popping you into has has seen greater greater past performance than what their current one is. So we can, if the markets perform the same way or do better, see it puts you in a better position moving forward there as well. Of course.","start_word":2604,"end_word":2652,"intents":[{"intent":"Show portfolio performance","confidence_score":0.008648084}]},{"text":"What I'll get you to do is if you scroll down to page number 17 for you, I can actually show you what that looks like. Mhmm.","start_word":2676,"end_word":2702,"intents":[{"intent":"Scroll down","confidence_score":0.19608389}]},{"text":"Underneath that, you do also have you in a growth portfolio, and it was showing the three year rolling average there.","start_word":2772,"end_word":2792,"intents":[{"intent":"Explain future growth","confidence_score":0.00022661152}]},{"text":"So the advantages are that this portfolio has performed greater over the past. It is saving you in the way of investment fees a bit. So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you. It is limiting the CDT.","start_word":3109,"end_word":3160,"intents":[{"intent":"Estimate portfolio benefits","confidence_score":0.0037728979}]},{"text":"On the next page there, it does also note the twelve and three year performance of the two different you. portfolios just so you can kinda see the difference there as well. Okay?","start_word":3211,"end_word":3243,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.34507382}]},{"text":"We're also buying into some cybersecurity, keeping and just rebalancing the S and P 500 to keep you balanced and in line with that grace high growth portfolio.","start_word":3538,"end_word":3565,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.41428912},{"intent":"Rebalancing portfolio","confidence_score":0.14336652},{"intent":"Invest in cybersecurity","confidence_score":0.12318134}]},{"text":"We would see about 25% invested in there.","start_word":3896,"end_word":3903,"intents":[{"intent":"Discuss investments","confidence_score":0.0003920242}]},{"text":"So giving you a bit of Yep. an actively managed component, we wanna make sure we review this with you on a regular basis.","start_word":4323,"end_word":4346,"intents":[{"intent":"Review portfolios","confidence_score":0.00015658651}]},{"text":"So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good.","start_word":4431,"end_word":4455,"intents":[{"intent":"Promote diversification","confidence_score":0.0027259532}]},{"text":"And then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out.","start_word":4468,"end_word":4504,"intents":[{"intent":"Express importance of cash holding","confidence_score":0.00036427937}]},{"text":"You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system.","start_word":4505,"end_word":4536,"intents":[{"intent":"Mention cash rebalancing system","confidence_score":0.004621166}]},{"text":"Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you. Yep.","start_word":4627,"end_word":4649,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.0875126}]},{"text":"So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there.","start_word":4656,"end_word":4705,"intents":[{"intent":"Recommend policy review","confidence_score":0.020646947},{"intent":"Recommend policy review","confidence_score":0.016467635}]},{"text":"I have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich.","start_word":4706,"end_word":4733,"intents":[{"intent":"Discuss policy options","confidence_score":0.01328394}]},{"text":"They have been around for a really long time, and they offered the best rate available to you.","start_word":4742,"end_word":4759,"intents":[{"intent":"Explain coverage rate","confidence_score":0.000022491367}]},{"text":"It gives you that level of cover in the event that something was to happen. And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released. So it makes sure your family gets an extra benefit with the life cover. Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well. Okay?","start_word":5014,"end_word":5097,"intents":[{"intent":"Provide life insurance","confidence_score":0.01860938}]},{"text":"And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns Mhmm. it has received.","start_word":5132,"end_word":5164,"intents":[{"intent":"Project forward with projection table","confidence_score":0.0036804322}]},{"text":"essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much. However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment. Okay?","start_word":5187,"end_word":5244,"intents":[{"intent":"Monitor insurance premiums","confidence_score":0.001623074}]},{"text":"So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover.","start_word":5268,"end_word":5295,"intents":[{"intent":"Explain benefits of policies","confidence_score":0.008949217}]},{"text":"And we have what's called a last buyback option here as well.","start_word":5348,"end_word":5359,"intents":[{"intent":"Mention last buyback option","confidence_score":0.051354907}]},{"text":"So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy. It essentially means that in the event of a claim for TPD, your TPD payment is paid out. And then because we have attached the policy to your life, it does actually wipe your life policy out. So Yep.","start_word":5361,"end_word":5432,"intents":[{"intent":"Inform policy structure and structure","confidence_score":0.021349402},{"intent":"Explain policy structure and arrangement","confidence_score":0.000088334724}]},{"text":"If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying.","start_word":5507,"end_word":5540,"intents":[{"intent":"Describe insurance premium structure","confidence_score":0.00029627635}]},{"text":"The last part of the recommendations there is to make sure that your beneficiaries are applied On your last cover with Zurich, applying a beneficiary for a 100% to your partner, Maria, making sure that in the event of passing that everything is paid out to her, and we're making sure that on your super fund, again, that you have a nonbinding lapsing sorry.","start_word":5761,"end_word":5824,"intents":[{"intent":"Ensure beneficiary application","confidence_score":0.031251714}]},{"text":"A non lapsing binding nomination again to Maria just to make sure that if anything was to happen, that the claim could be made. The funds are paid out to her so she can continue to look after your family moving forward. Okay? Yep.","start_word":5825,"end_word":5868,"intents":[{"intent":"Set up nonbinding lapsing","confidence_score":0.0040126345}]},{"text":"Underneath that, I've also made the recommendations that to serve a will and make sure power of attorneys are in place as well.","start_word":5871,"end_word":5893,"intents":[{"intent":"Serve as will and power of attorney","confidence_score":0.031197106},{"intent":"Create will and power of attorney recommendations","confidence_score":0.00941317}]},{"text":"So all of those sorts of things still also need to be accounted for in the future and looked after to make sure they're Yep. distributed as per your wishes. Okay?","start_word":6016,"end_word":6046,"intents":[{"intent":"Ensure that beneficiaries are properly distributed and distributed in the future","confidence_score":0.0000026714627}]},{"text":"It does make you think a bit more about that side of things, doesn't it? Of course.","start_word":6105,"end_word":6121,"intents":[{"intent":"Provide information","confidence_score":0.012876922}]},{"text":"The only other thing to sort of make mention there for you, Matthew, is that when we do look at insurances, we are we are paid commissions from the insurance company for the insurances that we set up for you. It is really important.","start_word":6127,"end_word":6170,"intents":[{"intent":"Discuss commissions","confidence_score":0.18940462}]},{"text":"No. I'm actually quite happy with it. It's pretty simple to to go through, and I guess, in layman terms of people to understand. Yeah.","start_word":6327,"end_word":6351,"intents":[{"intent":"Provide guidance","confidence_score":0.0065581845}]},{"text":"On the last page of the advice document, we do have a little text box there as well. So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with.","start_word":6416,"end_word":6471,"intents":[{"intent":"End conversation","confidence_score":0.05797865}]}]},"sentiments":{"segments":[{"text":"Not too Hi, Matthew. It's Zaina from OQ Financial. How are you this afternoon? bad. How are you doing?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.04552263393998146},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":19,"end_word":26,"sentiment":"positive","sentiment_score":0.5280725955963135},{"text":"I had you booked in to run through your updated statement of advice. Is now Yes.","start_word":27,"end_word":42,"sentiment":"neutral","sentiment_score":0.1461111605167389},{"text":"Perfect. still a good time there for you? Fantastic.","start_word":43,"end_word":51,"sentiment":"positive","sentiment_score":0.41819512844085693},{"text":"How is everything going at home at the moment? Things are busy. I think we're well Yes? into working here, but, yeah, Absolutely.","start_word":52,"end_word":74,"sentiment":"neutral","sentiment_score":0.07859056442975998},{"text":"I think things are good. Things are good. Oh, good. Good. Everyone's settling in nicely.","start_word":75,"end_word":89,"sentiment":"positive","sentiment_score":0.4069366455078125},{"text":"Yeah. Yeah.","start_word":90,"end_word":91,"sentiment":"neutral","sentiment_score":0.015333913266658785},{"text":"And I couldn't be happy at the moment.","start_word":92,"end_word":99,"sentiment":"negative","sentiment_score":-0.3338083326816559},{"text":"Oh, fantastic. That is absolutely fantastic.","start_word":100,"end_word":105,"sentiment":"positive","sentiment_score":0.4723734259605408},{"text":"Matthew, do you happen to have access to your emails at the moment as well? Yes. I do. Yep. Perfect. What I'm gonna do send through an email with the updated statement of advice. If you wanted to let me know when that one comes through and open the document there, you'll be able to run through that one with me so you get a bit of an understanding of what I'm looking at. Okay? Yeah.","start_word":106,"end_word":181,"sentiment":"neutral","sentiment_score":0.1095646470785141},{"text":"That that sounds great. Perfect.","start_word":182,"end_word":186,"sentiment":"positive","sentiment_score":0.40282899141311646},{"text":"I've just sent the email through to you there. Now just confirming I'm sending it through to matthewhua@1992atgmail.com. That is correct. Yes.","start_word":187,"end_word":208,"sentiment":"neutral","sentiment_score":0.15314091742038727},{"text":"Beautiful.","start_word":209,"end_word":209,"sentiment":"positive","sentiment_score":0.3852626383304596},{"text":"And just to confirm, moving forward, I do record our calls for quality and training You're happy for me to proceed with that? Not an issue. Yeah. Lovely. And just to do security there with you as well, I'll just confirm your full name, date of birth, and address I should have on file. Yep. It's full name is Matthew. Date of birth, 06/23/1992. Yep. Property address should be 33 Alamar Street at Beautiful.","start_word":210,"end_word":283,"sentiment":"neutral","sentiment_score":0.13141004741191864},{"text":"Thank you so much for that.","start_word":284,"end_word":289,"sentiment":"positive","sentiment_score":0.5470311045646667},{"text":"I've sent that Lydtep. email through. Hopefully, it pops through fairly quickly there Yes. for I've you. got Just it. let me know if it does you that was excellent. I've had some a couple of clients recently had trouble getting the emails coming through, so I'm glad yours came through nice and quickly there for you. If you open that one up, it'll ask you to it doesn't ask you to agree and accept anymore. It does just have, like, a little sign button. You press that, and then it lets you go forward so you can see the document. I will never ask you to sign anything Mhmm. you haven't read, but it does let you scroll Yep. through that document there. Okay? Yep. Yep. Got it.","start_word":290,"end_word":418,"sentiment":"neutral","sentiment_score":0.1372510853201844},{"text":"Perfect. Lovely. Thank you for that.","start_word":419,"end_word":424,"sentiment":"positive","sentiment_score":0.6706593632698059},{"text":"Now having a look at the document there as on the front page, it should definitely, sorry, state statement of advice prepared for yourself as of the 02/25/2026. That's when we completed the document for you. Authorized representative for me myself registered with ASIC is 1304394. That's on the bottom of the document there for you. Okay? Now as you are scrolling through this one, Matthew, on the next page, it does note the best interest, Judy. It's just letting you know that any advice we do provide does need to be provided in your best interest, essentially. We make sure we go through the process we do of understanding your goals and objectives and making sure that, you know, any advice we are providing is that it'll help you meet your goals moving forward. But it's really important to know that best interest is also changing as well. So your goals will change. You've got a lot of years before you're able to access super and retire, so your goals will continuously change. Therefore, the advice needs to alter and change with it as your as your life changes. Okay? Yep.","start_word":425,"end_word":616,"sentiment":"neutral","sentiment_score":0.1270124763250351},{"text":"Perfect.","start_word":617,"end_word":617,"sentiment":"positive","sentiment_score":0.38963550329208374},{"text":"If you scroll down to page number three for me, you'll see the heading noted there the scope of advice. So this is just noting out the areas that we have scoped in for the statement of advice. We're looking at areas of superannuation. Now when we sorta had spoken last time, you wanted to look at maybe moving into more of a high growth profile for your super, just making sure you're taking a bit more risk in the market to try and obtain those greater potential returns moving forward.","start_word":618,"end_word":708,"sentiment":"neutral","sentiment_score":0.17967154396759286},{"text":"You do have a lot of years ahead of you.","start_word":709,"end_word":718,"sentiment":"positive","sentiment_score":0.371329665184021},{"text":"You're still very young.","start_word":719,"end_word":722,"sentiment":"neutral","sentiment_score":0.1859498769044876},{"text":"So we can take a bit more risk in the market to try and get those greater potential returns now so that we can sort of pull back in the future there as well.","start_word":723,"end_word":756,"sentiment":"positive","sentiment_score":0.4110840857028961},{"text":"Okay? Yep. We have obviously seen some changes in the market there as well, so I have had a look at the portfolios and just made sure that you are invested correctly and also made some changes to some of the investments in the within the investment profile as well. Okay? Yep. We're also looking the insurance side of things.","start_word":757,"end_word":816,"sentiment":"neutral","sentiment_score":0.23872743546962735},{"text":"So now that you've had your second child, very exciting news for you, you wanted to look at just getting some life and TBD. You were comfortable with it about 250,000 of life and TPD. So I've gone out there and done the research, looked at the different insurers, what they offer, and made a recommendation for you for that.","start_word":817,"end_word":876,"sentiment":"positive","sentiment_score":0.4207747280597687},{"text":"Okay? Yep. And then, also, make sure we scoping the estate planning side of things and making sure in the event that you were to pass away, touch wood, nothing ever happens. But No calls. in the unless the event that this was to happen prematurely, that your family are covered making sure your beneficiary nominations are up to date so your partner could take care of your kids moving forward. Okay? Yep.","start_word":877,"end_word":949,"sentiment":"neutral","sentiment_score":0.18504755198955536},{"text":"Perfect.","start_word":950,"end_word":950,"sentiment":"positive","sentiment_score":0.651370644569397},{"text":"The next page outlines the areas that we're not looking at at the moment. So we're not looking at areas of income protection or trauma. You were comfortable just with the insurance side of things. We're looking at life and TPD only. We can Yep. always come back in the future and talk about the income protection and the trauma side of things.","start_word":951,"end_word":1013,"sentiment":"neutral","sentiment_score":-0.03140657767653465},{"text":"However, it does sort of leave you with the risk of not being covered or not having adequate cover in the event of being unable to go to work in a shorter term due to illness or injury or with trauma not being able to claim that lump sum tax refund if it in the event a traumatic diagnosis is made.","start_word":1014,"end_word":1074,"sentiment":"negative","sentiment_score":-0.4812009632587433},{"text":"Okay? Yep. Mhmm. One of the other things we did kinda talk about down the track was the possibility of maybe opening yourself any super funds. So we have scoped out for now. We're just looking to build your super for the moment. However, down Yeah. the track, it was something you were maybe looking to look into. Okay? Yeah. It's still still way away, but Yeah. yeah.","start_word":1075,"end_word":1142,"sentiment":"neutral","sentiment_score":0.08094051480293274},{"text":"That's absolutely okay.","start_word":1143,"end_word":1145,"sentiment":"positive","sentiment_score":0.34490400552749634},{"text":"The next page outlines the limited advice. So it's just letting you know that I'm not a a lawyer, so we don't draft Yep. wills for you. However, in the event of you requiring the assistance of a solicitor to draft a will, we can definitely refer you on. It's also important that we look at personal insurance products, so things like life, TPD, income protection, trauma insurances. We don't provide advice around general insurance products. That's things like motor home, housing contents, business liability insurance, things like that. We can refer you to a general insurance broker should you need those sort of insurance options. And under the Better Advice Act 2021, I am a relevant tax provider. That essentially means I'm authorized to provide tax financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your tax for you. Yep. If you did require the assistance of an accountant on the track, we can always refer you through to one. Okay? Of course.","start_word":1146,"end_word":1318,"sentiment":"neutral","sentiment_score":0.02609318308532238},{"text":"Perfect.","start_word":1319,"end_word":1319,"sentiment":"positive","sentiment_score":0.38722193241119385},{"text":"On the bottom of that page, it outlines essentially the start of the recommendations, but I'll take you a bit lower and I'll take you through those in a bit more detail there. Okay? On the next page is the about you section there, Matthew. Can you just run your eyes over that for me? Just let me know if there's been any major changes to any of those details that we should have noted for you. All things. All things correct.","start_word":1320,"end_word":1401,"sentiment":"neutral","sentiment_score":0.10811129557650263},{"text":"Yep. Perfect.","start_word":1402,"end_word":1403,"sentiment":"positive","sentiment_score":0.4490714073181152},{"text":"No major pay rise. I was hoping that your income had gone up a little bit since then, but, no, not yet. No. No. Setting comes $1.75. We do work on a commission basis as well. Yeah. So I Yep. do have with about 25 25 per per animal. So so it's generally Yep. about 200, but, yeah, I I don't think I advised that last time. No. That's okay. Not a problem at all. I can always make a note here that this is what we've got your income noted at, but that you generally do get 25,000 per quarter So to kind of make it up. Okay? oh, per annum per annum. Per annum. So sorry. Yeah. Yeah. That No. That's okay. So 25,000 per annum in commissions is mhmm. it was expected. Yep. Yep.","start_word":1404,"end_word":1540,"sentiment":"neutral","sentiment_score":0.03735105320811272},{"text":"Perfect. Not a problem at all.","start_word":1541,"end_word":1546,"sentiment":"positive","sentiment_score":0.36309123039245605},{"text":"I'll make a note of that one for you as well. Absolutely. No On worries. the next page, we do have your assets and liabilities noted as per our last conversation. I know some of those may have changed since we last spoke. Are there any major changes you would like to have updated? Keeping in mind that, no, with the changes made here, nothing really affects the advice in any negative way, but I'm more than happy to update anything on the back end for you if you would like me to. No. That's that's all fine. With That's the all liabilities, that that's just on a weekly basis, good. isn't it? They're renting. Yes. Yeah. Yeah. That's Yeah. correct. Yeah. Yeah. That's Yep. so that's That's correct. okay. Not a problem at all.","start_word":1547,"end_word":1681,"sentiment":"neutral","sentiment_score":0.09101331233978271},{"text":"Well, it all all seems correct.","start_word":1682,"end_word":1687,"sentiment":"positive","sentiment_score":0.3636634349822998},{"text":"Yep.","start_word":1688,"end_word":1688,"sentiment":"neutral","sentiment_score":0.2684618830680847},{"text":"Beautiful.","start_word":1689,"end_word":1689,"sentiment":"positive","sentiment_score":0.5568622946739197},{"text":"On the next page there, we do have the risk profile outlined. So you did score as a growth investor and were in that growth portfolio. You wanted to look at going a bit more high growth to try and get some greater potential returns and keep that compounding, working towards your retirement there. So this outlines a little bit about the high growth environment that you can see. Okay? Mhmm. Yep. Essentially, the next page, there is a strategy recommendation. So what I'll do is I'll start to take you through these to make it easier. The first one there is that we are recommending that you do retain your Hub twenty four super account. So I did have a look at all the options for super.","start_word":1690,"end_word":1817,"sentiment":"neutral","sentiment_score":0.18734955019317567},{"text":"Hub twenty four has been working great for you.","start_word":1818,"end_word":1826,"sentiment":"positive","sentiment_score":0.68398517370224},{"text":"There's been no major changes that really reflects us requiring to make any changes there. And because we were looking at a high growth portfolio and wanting to sort of take on a little bit more risk there, if we had made a recommendation to alter and move you to a different platform, it would require a full sell down. So retaining hub twenty four essentially means that we can alter the portfolio. The investments we need to be able to invest in are available there, and it means we don't have to sell down all of your investment assets, which can save you on CGT. We can just sell partial or what we need to. And if we do alter portfolios, we can often try to increase and transfer what we can as well. So Okay.","start_word":1827,"end_word":1963,"sentiment":"neutral","sentiment_score":0.14226332306861875},{"text":"pertaining hub twenty four worked out more cost effective for you.","start_word":1964,"end_word":1974,"sentiment":"positive","sentiment_score":0.3469116687774658},{"text":"Okay. Yep. Is there a tax when you change over? There is. Yes. Yes. So your your super fund, just like you do, your super fund does a tax return every single year. So Yeah. when Yeah. we do buy and sell assets and make changes to your investment portfolio, there is definitely capital gains tax, and your super fund Oh, makes I discount see. It's because you at that. yeah. Yeah. You have to take it out to me, but but they can't make That's sense. exactly Yep. Yep. right. Yeah. Now we are recommending that you do move into the updated Q Financial number six high growth portfolio there. We have noted that with not sure if we spoke about it before, but in early January when we sort of touched base, there had been some changes to some of the investments and the way the markets were reacting.","start_word":1975,"end_word":2125,"sentiment":"neutral","sentiment_score":-0.016657575853909087},{"text":"Then along Australian equities, which was in your original portfolio, has been underperforming.","start_word":2126,"end_word":2138,"sentiment":"negative","sentiment_score":-0.3681571781635285},{"text":"So we have made a decision to remove that from the portfolios Mhmm. and look at moving you into something else. Because you are still quite young, you've got a bit of time ahead of you, you are still able to have that active management in your sort of portfolio. So I am recommending that whilst we are moving you with a high growth portfolio there, that we remove them along from that. We're selling all of that and replacing it with the Affinity Australian Share Fund.","start_word":2139,"end_word":2225,"sentiment":"neutral","sentiment_score":-0.026989607140421867},{"text":"It's essentially making sure that you still got that active manager in your portfolio, that you can get those greater potential returns moving forward. It's still giving you access to the Australian equities portion. However, the Affinity, fund is actually a little bit cheaper than Bennelong was, and they tend to hold a few more investments over Bennelong. So they can also make it a little bit more give you more diversification essentially whilst making the investments a bit cheaper, which is a benefit for you as well. Okay? Perfect.","start_word":2226,"end_word":2315,"sentiment":"positive","sentiment_score":0.5081199407577515},{"text":"We are recommending that you do continue all contributions to go into the hub twenty four funds, so no changes there for you at all. Okay?","start_word":2316,"end_word":2341,"sentiment":"neutral","sentiment_score":0.32047152519226074},{"text":"With all the recommendations, as I kinda mentioned before, we do make sure they are in your best interest.","start_word":2342,"end_word":2360,"sentiment":"positive","sentiment_score":0.36486008763313293},{"text":"So with regard to all the recommendations on these pages, you will see a best interest statement there.","start_word":2361,"end_word":2378,"sentiment":"neutral","sentiment_score":0.23189114034175873},{"text":"So, essentially, this is in your best interest because replacing the underperforming investments allows you to retain and remain invested in the portfolio that is aligned with your risk profile, Removing those underperforming assets and replacing with something that has such generated potential return can help you long term whilst maintaining a level of risk that is consistent with your goals and objectives there. Maintaining hub 24 means that we can limit the CGT consequences by only altering or removing or changing some investments instead of having to sell down all of them and cause more of a capital gains consequence for you as well. So based on the research, everything is in your best interest, and this shows so long as the markets perform the way we hope they do, that we can see greater potential returns moving forward there for you as well.","start_word":2379,"end_word":2523,"sentiment":"positive","sentiment_score":0.4289214987179329},{"text":"Okay. Okay? Yep. Underneath that, you'll see the advantages, the disadvantages, and the risks involved. I'll let you Yep. go back and have a bit of a read through these later.","start_word":2524,"end_word":2554,"sentiment":"neutral","sentiment_score":0.08751843124628067},{"text":"But, essentially, as I've kind of gone through making sure retaining hub twenty four can limit the CGT consequences, removing that along and placing it with Affinity still gives you access to an actively managed investment given you're young and still have a lot of time ahead of you. The recommended portfolio we are popping you into has has seen greater greater past performance than what their current one is. So we can, if the markets perform the same way or do better, see it puts you in a better position moving forward there as well.","start_word":2555,"end_word":2650,"sentiment":"positive","sentiment_score":0.46494582295417786},{"text":"Of course. Okay? Correct. Yeah. How Yes. that performed last year? Or everyone Yeah. is a bit different. Yeah. Yeah. Go on. Yep. Yeah. Absolutely. What I'll get you to do is if you scroll down to page number 17 for you, I can actually show you what that looks like. Mhmm. Oh, perfect. Yep. Seven Yeah. 10. That's okay. Got it.","start_word":2651,"end_word":2712,"sentiment":"neutral","sentiment_score":0.12985503673553467},{"text":"Perfect.","start_word":2713,"end_word":2713,"sentiment":"positive","sentiment_score":0.471509724855423},{"text":"So you'll see here we've got your current table, which shows Mhmm. your current investment portfolio, the amount you have in super there, and the administration fees, investment fees, and any other fees applicable to the account. You've got your ongoing service fee for us looking after everything for you and your contributions going in there as well. Underneath that, you do also have you in a growth portfolio, and it was showing the three year rolling average there. We've had to use the three year as some investments haven't given us a five year rolling average, but it's averaged about 14.56%. With the high growth portfolio that we wanna move you into, you will see a difference in the balance starting at the top, and that's the $892. That's just the ADT consequences for making those changes there. Okay? So starting balance would come down a little bit due to the CDT once we complete the investment switch. There's no change to the administration fees, but we do work out in having a look at the newer portfolio. It is saving you for the first year about a $143 in investment fees and no changes to any other fees applicable Yeah. to the fund there. You do notice the ongoing service fee does increase a little bit as we expect growth in the funds. So our ongoing Of service course. fee is 1.65% and alters with the performance of the portfolio there. Okay? And then your contributions. And I've also got there the insurance premium. So one thing we are factoring into the advice is the life and CBD component. They will be paid out as super, Mhmm. so the insurance premium's there as well showing you the effect. With the high growth portfolio, it has seen with it utilizing the three year rolling average a greater potential return. So it has, over the past three years, have averaged about a 17.01% return. Now I definitely don't think you're gonna get 17% every year moving forward, Of course. but Yep. if the markets do perform the way they have over the past, if the portfolio performs the way it has, you could see yourself over the next ten years increase your super balance up to about 900,144 as you'll see a little bit below there. Okay. Yeah. I Thank see. you. So that's okay.","start_word":2714,"end_word":3108,"sentiment":"neutral","sentiment_score":0.1509501039981842},{"text":"So the advantages are that this portfolio has performed greater over the past. It is saving you in the way of investment fees a bit. So having less fees going out, having more money staying inside your super and compounding forward is a benefit there for you.","start_word":3109,"end_word":3155,"sentiment":"positive","sentiment_score":0.4403102993965149},{"text":"It is limiting the CDT.","start_word":3156,"end_word":3160,"sentiment":"negative","sentiment_score":-0.3998872637748718},{"text":"So the CDT has been reduced down to about 892, which is really important to try and reduce as much as possible.","start_word":3161,"end_word":3182,"sentiment":"neutral","sentiment_score":-0.01800241321325302},{"text":"And we can see, so long as things work the same way, that it can provide greater potential growth in the future for you.","start_word":3183,"end_word":3206,"sentiment":"positive","sentiment_score":0.5616772174835205},{"text":"Okay?","start_word":3207,"end_word":3207,"sentiment":"neutral","sentiment_score":0.3165244460105896},{"text":"Thank That's okay.","start_word":3208,"end_word":3210,"sentiment":"positive","sentiment_score":0.4326946139335632},{"text":"On the next page there, it does also note the twelve and three year performance of the two different you. portfolios just so you can kinda see the difference there as well. Okay?","start_word":3211,"end_word":3243,"sentiment":"neutral","sentiment_score":0.13539794087409973},{"text":"Perfect.","start_word":3244,"end_word":3244,"sentiment":"positive","sentiment_score":0.5107448101043701},{"text":"If you scroll back up for me, just the page number 16, this is just outlining essentially the risk profile with the existing and the proposed. So as I kinda went through at the moment, you are in more of a growth portfolio, which generally sees about 80% of your super invested in growth assets. So things like Australian shares, international Mhmm. shares. We don't really have a lot of property in our portfolios, but alternatives like gold and silver as well. And then you would generally see around about 20% in defensive investments, so things like fixed interest, defensive alternatives, and also cash investments there as well. With your existing portfolio, you're actually 88.55% in those growth investments and showing 11.45% in those defensive investments. With the portfolio that was just kinda gone through there, you essentially see about 91.84% in those growth investments. So you're increasing the growth side of things and decreasing the defensive side there. The growth investments are taking on a bit more risk, but you wanna get greater potential returns there as well, and then reducing the defensive investments down to about 8.16. Okay? If you wanted to see what the investment portfolio looked like, if Yes. you go back up one more page there for me to the investment side of things, you'll actually see all the individual investments that we are looking at there. So when we're kinda looking at the buyers and sales, which is the one, two, three, four, fifth column along, you'll actually Yes. see there that we're sort of selling the bank hybrids there. We're selling the the agriculture. We're keep we're keeping some of the physical gold, but just kinda rebalancing it down a little bit there for you.","start_word":3245,"end_word":3536,"sentiment":"neutral","sentiment_score":0.09349124133586884},{"text":"We're also buying into some cybersecurity, keeping and just rebalancing the S and P 500 to keep you balanced and in line with that grace high growth portfolio.","start_word":3537,"end_word":3564,"sentiment":"positive","sentiment_score":0.33571866154670715},{"text":"We're also selling some of the Raffy 200, but keeping it, you'll still still have about 15% in that once we complete the rebalance then. We're getting rid of all of the Bannalongs, so you'll have no Bannalong Mhmm. left in the portfolio. And then with the ClearBridge infrastructure fund, completely getting rid of that as well. And then also rebalancing and keeping some of the India investment. On the next page there, the global shares, all the rebalancing. So we are buying into that one. You have about 7% in there. Alphinity, you'll see 10% invested in there once we complete the buy of that one, and that's replacing the Benelon that we are selling all of. And then you'll still also have 15% of the JPMorgan Research enhanced equity fund. And then also within the portfolio, you do have about 1.25% in hub 24 in cash, which has to remain there to kind of cover the cost of ongoing expenses like administration fees and our ongoing service fees and things like that. So you'll see once we've kinda completed the rebalance, at the end of it, you'll end up with having some of the bank hybrids there, just a small component around 7% for defensive investments, some physical gold with which is a growth asset, but it also works defensively at certain times. And with the volatility we are seeing at the moment, having some physical gold in there is always a benefit. Some cybersecurity will be in there as well. Having about 7% there is more of a thematic kind of ETF investment, so you're wanting to branch out to try and get greater growth. And cybersecurity, whilst having some ups and downs, is still a very big player in the market. And moving forward, the governments are putting a lot of money into cybersecurity in areas like that. The S and P 500, it's more one of your standard sort of core investments in the portfolio. We would see about 25% invested in there. Whilst the markets in The US and Australia have seen lots of ups and downs at the moment, they are still good to hold. We wanna make sure we're holding through that. And one of the benefits of the S and P 500 is that whilst you're looking at the top 500 companies in The US, they have to they the companies have to meet a certain criteria. So the index actually looks at what companies are in the S and P 500 every quarter, and if they no longer meet that criteria, they get removed and replaced with something else. So you are always invested in the 500 companies in The US. Yep. And as much as The US is seeing a lot of volatility and as is the straight equities at the moment, over the course of the you know, when you look at over time over ten, twenty, or thirty years, staying invested in The US still does provide great returns. Okay? Does that make sense? Yep. Yep.","start_word":3565,"end_word":4073,"sentiment":"neutral","sentiment_score":0.14318981422715196},{"text":"It does. Perfect. We've also got the beta shares Rafi 200 there.","start_word":4074,"end_word":4085,"sentiment":"positive","sentiment_score":0.39311373233795166},{"text":"You'll see about 15% invested in that.","start_word":4086,"end_word":4092,"sentiment":"neutral","sentiment_score":0.2953421175479889},{"text":"That, again, is another one of those good core investments to hold. Australian equities, again, have seen great potential returns over the past couple of years.","start_word":4093,"end_word":4118,"sentiment":"positive","sentiment_score":0.40491655468940735},{"text":"They are seeing a bit of volatility at the moment because we do tend to follow suit when it comes to The US. However, it is really important to still hold some Australian equities in there. We're getting rid of the Banda Long and the ClearBridge so that will have none invested. The India Mhmm. will be about 7%. So, again, this is more of a thematic kind of investment. We're looking at some of the top country companies within the Indian market, and they have seen some good growth over the past couple of years. We've got the global health care. So giving you access to global health care. Health care since COVID has been one of those big spots, and this is not just looking at doctors' offices and things. This is looking at, like, cybersecurity within health care. It's looking at the technology side of things within health care.","start_word":4119,"end_word":4270,"sentiment":"neutral","sentiment_score":0.1138988360762596},{"text":"So there are a lot of advantages and changes coming to the health care sector with the robotics and the IT side of things.","start_word":4271,"end_word":4294,"sentiment":"positive","sentiment_score":0.43319910764694214},{"text":"So this is also encompassing some of those sorts of areas for you as well. And then you would also see about 10% in the Affinity Share Funds. So giving you a bit of Yep. an actively managed component, we wanna make sure we review this with you on a regular basis. So if this investment Okay. does need to be moved in the future, that we're able to remove that for you and alter your portfolio. And then the JPMorgan Global Enhanced Research in equity fund, this is looking at they utilize JPMorgan's research team, and they're looking at investments globally in areas of great growth. So it's giving you a little bit of a little bit of active management in there. If only a small portion actively managed, but they are looking at globally.","start_word":4295,"end_word":4430,"sentiment":"neutral","sentiment_score":0.17873066663742063},{"text":"So it is really important for diversification to be spreading your risk level and utilizing this investment to help you do that is really good. And then, obviously, the to help you do that is really good.","start_word":4431,"end_word":4467,"sentiment":"positive","sentiment_score":0.5131692886352539},{"text":"And then, obviously, the cash at the bottom there, so just making sure you do hold some cash in your super fund as well is really important because you do have administration fees and things coming out. You'll probably notice when you do if you do look at hub twenty four on a regular basis that once a month, the hub twenty four do have that cash rebalancing system. So they have, like, a set time of the month where they go through, and they might buy and sell certain investments. It's kind of a cash run. It's making sure they do top up the cash in your super fund, or if you have too much, they'll start to buy into some investments. That way, you don't have too much sitting there. So that does happen around about the twentieth of every month. Okay? No. Perfect. Do you have any questions about any of that so far? No? Perfect. Matthew, if you scroll down to page number 19, this is essentially looking at the insurance side of things there for you. Yep. I'm on it now.","start_word":4468,"end_word":4653,"sentiment":"neutral","sentiment_score":0.1384072303771973},{"text":"So beautiful.","start_word":4654,"end_word":4655,"sentiment":"positive","sentiment_score":0.7788669466972351},{"text":"So this here, essentially, with the recommendation that you wanted to look at about 200,000 of life and TPD to be paid out of super, but to give your family a little bit of extra protection in the event that you were totally, apparently disabled or passing away prematurely there. I have gone out and had a look at all the different options for insurers, looked at what they had to offer, and essentially came back with Zurich. So Zurich are one of Australia's largest insurers. They have been around for a really long time, and they offered the best rate available to you. Essentially, for the first year's premium to be deducted from your super fund for the recommended amount of cover, it's just gonna cost about a $190.01, so very cheap to have that license TBD. Yep. Yep. Essentially, underneath that, you'll see the amount of 223 and 54<unk> there. That's how much the insurer actually receives the premium. You get a bit of a 15% rebate or a discount on the policy, so you'll only pay the $1.90 out of your super fund for the best year. Mhmm. Underneath that, you've got your best interest, Judy. So the amount of cover recommended is in in line with what you wanted, and we'll review that with you regularly to make sure it stays in line with what you're after. You do need to go through, essentially, an application. So they will look at your health. There's nothing that was really flagged with anything that we spoke about to to note that it could be any loadings or exclusions. But if there is anything that comes out in the application, there could be loadings or exclusions applied to the policy. Yep. And Well, it's all good. When you do go through the application with my colleague, Jack, he'll probably flag it with me if there's anything that we need to maybe review.","start_word":4656,"end_word":4979,"sentiment":"neutral","sentiment_score":0.09395518153905869},{"text":"But when you and I spoke last time, there was nothing I almost of concern that really showed us there was gonna be anything on the on the policy as a loading or exclusion.","start_word":4980,"end_word":5013,"sentiment":"negative","sentiment_score":-0.33945798873901367},{"text":"It gives you that level of cover in the event that something was to happen.","start_word":5013,"end_word":5027,"sentiment":"positive","sentiment_score":0.47994405031204224},{"text":"And if you were to pass away prematurely or TBD, it's apparently disabled, we would also do the claim on your super to have your super released.","start_word":5028,"end_word":5054,"sentiment":"neutral","sentiment_score":0.2768077552318573},{"text":"So it makes sure your family gets an extra benefit with the life cover. Or if you're totally unable to get back to work again, that your super balance can be released to provide that extra benefit to you as well.","start_word":5055,"end_word":5095,"sentiment":"positive","sentiment_score":0.4210461378097534},{"text":"Okay? Got it. Understood.","start_word":5096,"end_word":5099,"sentiment":"neutral","sentiment_score":0.2192857712507248},{"text":"Perfect.","start_word":5100,"end_word":5100,"sentiment":"positive","sentiment_score":0.5940219163894653},{"text":"On the next page there, one of the important things to kinda note is that when you are paying for the insurance premiums out of super, it does have an effect. And we also got the projection at the top there showing, you know, what we can sort of project forward with the current recommended portfolio and the past returns Mhmm. it has received. You'll see that we've got the same table again, but at the very end, it's got the no insurance option. So, Yep. essentially, with the insurance premiums, the effect is very minimal because your insurance premiums are not very much. However, if you did not have any insurances moving forward and making the changes in your portfolio, you could see over the next ten years, the projected amount is slightly higher than the projection table shows at the moment. Okay?","start_word":5101,"end_word":5244,"sentiment":"neutral","sentiment_score":0.24904793500900269},{"text":"That's Perfect. pretty straightforward. Yep. Yeah. Beautiful. The advantages, disadvantages, and the risks involved are also noted out there for you as well. So some of the in some of the advantages there are with these sorts of policies that you are getting things like increasing claims, you get automatic cover. So every year that you do happen to keep the cover in place, you don't have to reapply or anything. The insurances are just renewed each year. Increasing claims, essentially, if you're on a claim, it can obviously make sure that that the claim is paid out along with c p CPI.","start_word":5245,"end_word":5347,"sentiment":"positive","sentiment_score":0.4726499021053314},{"text":"And we have what's called a last buyback option here as well. So it essentially means that with the way the policy has been structured, your last policy is the main cover that you have, and then we attach your TPD to the last policy. It essentially means that in the event of a claim for TPD, your TPD payment is paid out. And then because we have attached the policy to your life, it does actually wipe your life policy out. So Yep. by having the life buyback option, it means that after your TBD claim, within about twelve months, your life policy is reinstated at the preclaim amount, and then you're able to claim back on that policy again. By structuring this way, as much as we know that when the TBD claim happens, it does wipe your life out for the time being, that twelve months.","start_word":5348,"end_word":5496,"sentiment":"neutral","sentiment_score":0.20185411546454335},{"text":"It's actually a more cost effective way of structuring it.","start_word":5497,"end_word":5506,"sentiment":"positive","sentiment_score":0.3457908034324646},{"text":"If you the other option would have been to structure the life and TPD completely separate, and it actually makes the the insurance premiums pretty exuberant, a lot higher than what you are paying.","start_word":5507,"end_word":5540,"sentiment":"neutral","sentiment_score":0.13298843801021576},{"text":"So by structuring the policies this way, we're getting the multi policy discount.","start_word":5541,"end_word":5553,"sentiment":"positive","sentiment_score":0.3534964919090271},{"text":"We're making the premiums much cheaper for you, but also making sure that you have access to claim on both of those in the event that Yep. something was to happen. Okay? Got it. So you can't come That's in same time, just one or the other. That's that's Yeah. one of the 50. Yeah. No. Yeah. Got Yeah. it. Well, the way it sort of normally works is that you would normally start by claiming on the TPD first, and then once you've sort of survived the TPD that you're still going, if it was terminal or if you were to pass away after the twelve months, then we can claim on the life as well. You don't yeah. But if you were to pass away, we only claim on the life side of things. We don't claim on the TBD. Does that make sense? Yes. Yes. It is. Yep.","start_word":5554,"end_word":5704,"sentiment":"neutral","sentiment_score":0.053872108459472656},{"text":"Perfect. All good.","start_word":5705,"end_word":5707,"sentiment":"positive","sentiment_score":0.5521414875984192},{"text":"I'll let you go back and have a bit more of a read through all of those options later as well. Just let me know if you do have any questions in relation to anything there. Yep. That's The that's last fine.","start_word":5708,"end_word":5749,"sentiment":"neutral","sentiment_score":0.21478330343961716},{"text":"sort That all looks good. of yeah.","start_word":5750,"end_word":5756,"sentiment":"positive","sentiment_score":0.4960733652114868},{"text":"Yep.","start_word":5757,"end_word":5757,"sentiment":"neutral","sentiment_score":0.3276495337486267},{"text":"Go Beautiful.","start_word":5758,"end_word":5759,"sentiment":"positive","sentiment_score":0.5207468271255493},{"text":"on. The last part of the recommendations there is to make sure that your beneficiaries are applied On your last cover with Zurich, applying a beneficiary for a 100% to your partner, Maria, making sure that in the event of passing that everything is paid out to her, and we're making sure that on your super fund, again, that you have a nonbinding lapsing sorry. A non lapsing binding nomination again to Maria just to make sure that if anything was to happen, that the claim could be made. The funds are paid out to her so she can continue to look after your family moving forward. Okay? Yep. Yeah.","start_word":5760,"end_word":5869,"sentiment":"neutral","sentiment_score":0.14829497039318085},{"text":"Beautiful.","start_word":5870,"end_word":5870,"sentiment":"positive","sentiment_score":0.43148964643478394},{"text":"Underneath that, I've also made the recommendations that to serve a will and make sure power of attorneys are in place as well. I always sort of suggest if you have a local solicitor you're comfortable talking to to maybe meet with them and have a will and a power of attorney drawn up, especially now as you do have your two kids there. You're wanting to make sure that in the event that something happens that, you know, your t's are crossed in your i's, the daughter, that your family are protected. Having the beneficiaries in place looks after your life cover and your super, but there's also all those other assets that you do hold outside Yep. of super, like your home, any investments you might have, your cars, your caravans, all of your belongings and your savings accounts and things like that. So all of those sorts of things still also need to be accounted for in the future and looked after to make sure they're Yep. distributed as per your wishes. Okay? Yeah. I had that in I had that in play, but I got two free photos from the list of it, but I never never got Yeah. to accepting one and really scheduling it in, but it's on the list Yeah. for this year. Yeah.","start_word":5871,"end_word":6091,"sentiment":"neutral","sentiment_score":0.12295112758874892},{"text":"It's amazing when having another child and things changing a little bit.","start_word":6092,"end_word":6103,"sentiment":"positive","sentiment_score":0.5010350346565247},{"text":"It does make you think a bit more about that side of things, doesn't it? Of course. Of course. Yeah. Yes. No.","start_word":6104,"end_word":6125,"sentiment":"neutral","sentiment_score":0.07316287606954575},{"text":"Beautiful.","start_word":6126,"end_word":6126,"sentiment":"positive","sentiment_score":0.4033173322677612},{"text":"The only other thing to sort of make mention there for you, Matthew, is that when we do look at insurances, we are we are paid commissions from the insurance company for the insurances that we set up for you. It is really important. I note that it is standardized across the board. So we do receive 66% of the first year's premiums and 22%, they're ongoing. It is standard and legislative across the board that it's the same for all insurance companies, so it has no effect on the recommendation I have made. The recommendations made are in your best interest and in line with your goals and making sure that it is cost effective for you as well. Okay? Yep. I've got Beautiful. it. I've had my fair Are you share of insurance. I understand how yeah. the commissions work. Yeah. No. All good. That's basically everything I needed to run through with you there.","start_word":6127,"end_word":6283,"sentiment":"neutral","sentiment_score":0.10770874470472336},{"text":"You're welcome to have a really good read through the document.","start_word":6284,"end_word":6294,"sentiment":"positive","sentiment_score":0.355680376291275},{"text":"Let me know if you do happen to have any questions there at all. But do you have any questions for me at the moment with what I have gone through? No. No. I'm actually quite happy with it. It's pretty simple to to go through, and I guess, in layman terms of people to understand. Yeah. So, no, it's good. The address is exactly what we discussed previously, so Yeah. not happy with Perfect. it. Oh, lovely.","start_word":6295,"end_word":6372,"sentiment":"neutral","sentiment_score":-0.012164128012955189},{"text":"Well, thank you so much for that.","start_word":6373,"end_word":6379,"sentiment":"positive","sentiment_score":0.38940832018852234},{"text":"I will let you go to have a read to it. If you are happy to Yeah. take on the recommendations there, I'll just get you to sign and return that one back there for me. On the last page of the advice document, we do have a little text box there as well. So it does just sort of have like, if there was any part of the recommendations you do not wish to proceed with, you just write in there what you have what you do not wanna proceed with. If you're happy to proceed with all the recommendations, just put NA in the box. Mhmm. So I'm in the little bottom part there and send it back to us. We've also got in there for you as an attachment the quotes, which gives you a bit of a breakdown of the insurances. I've got the financial service guide which outlines everything about who I am, what I do, and everything here about Oakview Financial. And if you're like me and enjoy a bit of reading, miss Drew, I've also got the product disclosure statements attached to the email for you as well in case you wanted to have a bit more detailed look at the products. Okay. Yep. No.","start_word":6380,"end_word":6591,"sentiment":"neutral","sentiment_score":0.12958083561850045},{"text":"That's perfect. Thank you for providing Fantastic. that. Not a problem at all. Well, thank you so much for your time. I'll let you go. Have a read through that. And if you find you have any questions at all, you're welcome to let me know.","start_word":6592,"end_word":6637,"sentiment":"positive","sentiment_score":0.5166482329368591},{"text":"Okay?","start_word":6638,"end_word":6638,"sentiment":"neutral","sentiment_score":0.26493212580680847},{"text":"Will do it.","start_word":6639,"end_word":6641,"sentiment":"positive","sentiment_score":0.41436153650283813},{"text":"No.","start_word":6642,"end_word":6642,"sentiment":"neutral","sentiment_score":-0.009731590747833252},{"text":"I appreciate you finding me. Thank you very much. Oh, no problem, Matthew. Enjoy the rest of your day. It was a pleasure. Thank you. Bye. Thank you. See you later.","start_word":6643,"end_word":6673,"sentiment":"positive","sentiment_score":0.6345415115356445},{"text":"Bye.","start_word":6674,"end_word":6674,"sentiment":"neutral","sentiment_score":0.2414221614599228}],"average":{"sentiment":"neutral","sentiment_score":0.16311370166484054}}}}