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Now is still a good time for you? Not a problem at all. Just to jump into that one today, Sean, if I could just pass through security of that name, date of birth, and current address, we'll get stuck into that today. Perfect. Thank you for that one. Now just because I know the last time we spoke was just the end of last year there, Sean. Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that? Yeah. Perfect. Brilliant. So I'll be sending this out there, Sean. I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com. Perfect. So this is just for your updated statement advice. I'll run through it there with you today. How much time do you sort of have? Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna go a bit more into it? Perfect. So that should show up in your inbox there shortly, and then we'll be able to go through that with you. Might just take a a second there. Yeah. But generally, sometimes with the the larger ones, there are a few documents that do take a bit to to get through there. Hopefully, it's a bit bit sunnier down your way. It's a bit wet and miserable. Yeah. That should be be alright. And then be a good weekend. Ready? 30. So there is a link there for the signable document, which is the statement advice. There is a quote there. If you're sort of accepting everything there as well, they'd get you to sign the the quote as well, but it just wasn't advice. Decidedly not too great for the start of the year, but there has been a few days where it should cover a little bit. So in terms of, like, overall performance, probably not, like, the worst down. And, generally, with the regards to to wars, it, like, it dips quite significantly, and then it sorta rebounds quite quickly. So once everything sort of in the dust settles, although, you know, we might be still paying $3 a liter for diesel for a little bit longer, as far as the stock market's probably concerned, they probably will rebound quite quickly in terms of that one. It's also our cost of living and lifestyle expenses that will probably remain higher for longer. Yeah. But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like and then the recovery from that. And then, obviously, we've had another hit from there. But overall, hopefully, moving forward, there's not too many things like that that do occur. Yeah. And we can get a bit of steady growth out of Sufan and then with the update there as well, hopefully. That puts you in, yeah, in a nice spot moving forward. Now the document there is obviously created for yourself by myself and the team. It's an authorized effort in the Oakview Financial. In terms of the document itself, it is quite straightforward in the sense that we were mainly just looking at the investments inside the superannuation and then touching on the insurances. Now a part of that was, obviously, you decided to keep that IP policy, and the last bit was just reviewing that life and TPD to see if there's a more adequate policy that we could rewrite to just for cheaper premiums moving forward. So as far as it is limited to those two areas, they're quite simple in terms of the advice. And then with that, we did a review of your superannuation platform, your investments. It just worked out to be in your best interest at the moment. With the CGT, you did have liable just to maintain net wealth and just adjust the underlying investments. Now in the meantime there as well with the Bennelong and what happened with Bennelong, the business sent out that record of advice that moved you out of Bennelong. And then from there, we're just making a bit of a tweak because you are quite heavily weighted into one asset because that was the asset that they are away to. So you have about 40% in the a 200. We're just looking at sort of adjusting a little bit, making sure you're nice and diversified moving forward and not all your eggs are sort of in that one basket. So, hopefully, you get nice long term growth. And then applying for life and total permanent disability with a sender that's paid through the net worth much like your Neos policy. Just within regards to that one, what did occur when we deal with those pre assessments, in regards to the pins that you do hold in your your shoulder, and then also medication you take for for mental health, weren't sort of answered in the way, sort of the way those questions were worded to where it's potentially a nondisclosure. So we just wanna make sure that is disclosed. So if anything did occur outside of that, that you are covered, and then that Neos wouldn't sort of look at to come knowing a claim. So moving forward, you would have this shoulder and mental health exclusion. And then depending on how your sleep apnea is going, because I don't think you've mentioned it too much with us, because you currently have the loading for it. Are you currently using the machine? Do you still have sleep apnea there, Sean? Yeah. So as long as that's under control, it can be standard rate. If not, you'll just still keep that 50% loading there as well. Yeah. So as long as you disclose that during the application process, that should be more than fine. But those are the three we're looking at. They should have been on your current policy anyway, but given that the way the questions were worded back then, obviously, it just didn't come up. So we just wanna make sure that moving forward that it is in there. On page five and six, you'll be able to see just your current information there in regards to occupation, income, and then debts, assets, liabilities. Also, you only have really the mortgage left. So, you know, as you do get old and you pay down that, the like, given that your IP still is quite expensive, but you are still, you know, working in that, once you sort of pay down the mortgage or pay off considerable amount and get a bit of a savings going as well, we might be able to look at, you know, changing that or just getting rid of some of your insurance altogether to lower cost just when you don't have as much debt and don't need to cover for as much. Perfect. Now in regards to your risk profile, we're just keeping you in high growth. That's what you scored. That's what you're happy to stay in. Obviously, you've got a number of years until the age of 60 to even touch your money even if you could. So it just means you're invested a little bit more aggressively for that time being, and then we can look at reducing that a bit later. It's a bit easier than trying to play and catch up, taking on a bit more risk now. Now as far as retaining net wealth there and updating your portfolio to to a nice new high growth adjustment there with the changes that have occurred in the market there currently. It just means that one, you've removed that manager risk. You don't have that moving forward. You have a cheaper investment option moving forward, and that has historically performed really well. And then also within regards that tracking those indexes there and having nice diversification, it's gonna have a nice spread across different, not only regions, but also different companies there within those exchange traded funds. Now within regards to the CGT liability, just due to the little loss that did occur in with Benelon, in addition to the changes that are being made, you'll only pay around a $180 to make the changes that we're recommending, which means it doesn't come as a huge cost out of the portfolio to make those switches there. And then hopefully on that moving forward. But do you have any questions in regards to that investment update so far there, Sean? Perfect. So the main points there is it's in line with the risk profile. You still have the same allocation to growth assets as you do, like, currently. You just won't have to manage your risk. You will have a lower cost investment, which means that more of your money goes into the actual investments themselves, and then you'll still be a client with OP. You'll still get all those benefits, and then you'll also have a lower allocation to any single asset and have a greater spread across a few there that improves that diversification. Having obviously, in regards to where the markets are at the moment, they are quite volatile. So anytime you do these changes, there is a time when you'll be in a cash portion. And if the market does go up in that time frame, then you might miss out on a bit of potential growth. If it goes the other way and takes a bit of a dip, it means that you sort of buy it at a bit of a lower cost. So either way, it might jump a little bit, but it's sort of negligible over the the long term there for you. We did also consider just leaving in your current portfolio. Although, historically, given the weightings that it would have performed potentially better over the last five years, but in saying that it is quite a high allocation to one asset and and if that asset was to do poorly, it'll end up in, like, another been a long situation where your whole portfolio takes a significant hit purely because one asset isn't doing great. So we wanna diversify across a few more there. We're gonna reduce the cost in regards to those investments. And then we also thought about keeping an active portion, but given the cost involved with that and how they are performing currently compared to the indexes, it just sort of looks to be better than keep you in a a more passive index approach moving forward. On page 13 there, you'll be able to see the buyers and sales and the change. The majority of it will come out of the BetaShares Australian two hundred, and then you'll also be moving there across from where you are currently with the iShares, Europe, Japan, S and P five hundred, and then moving across there. Sorry. I'll just have a quick look. I believe this table might just be a little bit incorrect there. Sorry. I'll just have a quick look. Yeah. Bear with me there. I'm just making sure that lines up. I'm not too sure if they've actually and then probably just bear with me, Sean. I believe that investment table might be the wrong table that that's gone into. So I might need to get them to to update that. We'll resend that out to you there, Sean. In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you. But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before. Yes. So within regards to the change, sure what happened with the the table there, but you will still have the cybersecurity. It'll be still in Europe, Japan, and then you'll have the S and P 500 as a core with the Australian BetaShares 200. And then you'll have some gold, the composite bond, and then an all world excluding the US there as well. So not too different from what you you currently have. It'll just be sort of spaced across a number of different investments and sort of have a less allocation to that Australian 200. I'll get them to update that, and we'll resend you that document there. So don't worry about signing or anything today there, Sean, and we'll get that one sorted. Apologies for the the mix up there. It just seems like they've selected the one over, so that's more than fine. But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth. You just won't have any manager risk with that. It'll be a nice passive approach there. Now, obviously, in regards to the tables there as well, I'll just get them to check all that and make sure that is all correct before saying that out. But, obviously, it'll illustrate there in regards to that how that might look over sort of yep. Yep. So when you do see that when it it does get adjusted there, so obviously that's the the wrong buy sell spread. On the the left hand side, you'll be able to see your actual portfolios. You currently, you have 40% in the BetaShares Australian two hundred. And what they'll, yeah, what they'll illustrate is what what you'd be selling out of that versus what you'd be buying into on the right hand side to show you what the balances would be. So on the right hand columns, you'd see, like, sold at seven. Yeah. That's what it would be with the buys and sells, and it shows you in the red what would be selling down to purchase those other assets for the diversification. Now yeah. And if you see the target waiting, some go to zero, but obviously, it's a different portfolio there. So, yeah, minus the $180 there. Yeah. So obviously, that's the the wrong portfolio. So I'll get them to update that for you. And then and then you'll be able to see the actual changes so you can have a look at that, make sure you're happy with that one. And then yeah. And on that right hand side, you'll be able to see the percentages for each different one. So within regards to that, I can let you know what the actual portfolio there should be for you. So you have 6% in this cybersecurity, 9% in the iShares Europe, and you'd have 5% in the Japan region still, and then you'd have 8% in the Vanguard all world US. You'd still have a key portion in the S and P 500 at 35. BetaShares would still have 25% as opposed to the 40, so a little bit of a reduction there. And then 7% in gold and then 5% in Europe defensive iShares composite bond. So within yeah. It's like one of those negatively correlated sort of assets, and it can be it's because it's an alternative. It can be suited like a growth asset or a defensive asset depending on what's going on in, like, the world. Obviously, within the way the the economy's been the past few years, gold's taking quite a bit of a jump just purely for the fact that everything is going on. People go back to that harder currency. But, generally, it's more of just, like, you know, holding things like cash and fixed interest. It generally gets you know, holds its value, goes up slowly over time, bit higher than the cash rate, and that's sort of still how it's viewed, but a bit more of a growth asset at the moment, and that's how they sort of allocated it with everything going on. But, obviously, you don't wanna be overweight in anything too much, specifically when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies. Gold's just gold at the end of the day. It's purely linked to what the price of gold's doing. Perfect. And then if you do go down over to the projection table of what the things will cost within regards to that one, I believe that table is correct in terms of the fees and the change in the growth. So, obviously, when you look at the growth over the past five years, it is slightly less, and that's purely because the a 200 did, like, quite well over that period. But what you're doing is you might, like, lose out on a little bit of growth if a 200 was too fantastic. But if the same sense, if you get 40% in an asset and it takes a bit of a dip, then obviously, that can really negatively hurt your portfolio, which is why we went to a bit more diversification as opposed to what you you currently got there. Yep. And then within regards to the insurances and the new insurance recommendation, the premium will be a lot lower, which will save on those fees moving forward, which will help go towards investing more. Yeah. So you can see the insurance premiums there dropped quite dramatically with the recommended. Yep. So that will go towards each year just going towards being invested. Obviously, insurance premiums do go up a little bit each year. But in saying that rewriting there, we can get them back down a little bit. You'd have the same exclusions or loadings you should potentially on your current policy anyway. Give it that how far back those conditions date. And then with that, you'd just be paying that lower cost for even with the the Neos there, even though they aren't currently excluded on the policy, if the Neos was to find out that those predate the policy anyway, they could deny a claim, or they could just cancel your insurance totally anyway if it was in regards to any sort of mental health or that shoulder injury as well with the pins in there just from that. And then you'll be paying a lot less anyway for a comparable policy. So if you did go down to page 18 there, you can see the policy you're recommending is 350,000 of life and total permanent disability, and it works out to be around a thousand dollars per annum after the 15% rebate in super. It is slightly less than the cover you have currently, but your debts are also slightly less a little bit as well. Yeah. Yeah. And that's more so just a little bit more in the sense that if you were totally or permanently disabled and couldn't work, you've got an extra 100 and 50,000 could go towards 50, like, living expenses and things like that and having that invested, which is why it's a little bit more. As I said there over the next page on page 20, you'd be able to see that the exclusion that will apply the mental health, the left shoulder exclusion, and the 50% loading for the sleep apnea, but that could be just standard rates depending on how you get assessed on that as well, which is fine because yeah. Yeah. And that's the thing too. Like, it's purely because, like, I know people that have said they're a little bit stressed at work and get a mental health exclusion. It doesn't mean you're gonna stop working. Given that you've taken the medication, it's fun. And given that your your shoulder occurred so long ago, it wouldn't regularly be an issue. But anytime you have any sort of foreign material, like, any sort of pins or plates or things like that, there is a chance later down the track that they may need to be removed or changed and things like that, which is why they always exclude them when there's foreign material sort of in there. Perfect. So, yeah, when we did all the I know you remember probably a few of those conversations we have with the back and forth and reviewing everything. Obviously, you're keeping the IP policy that is quite expensive, but it is quite comparable. It is a really comprehensive policy for how long you've held it, the benefits you do get with that, and you have claimed on a few times there in the past as well. So looking at keeping that in the the meantime. Yeah. Yep. Yeah. And then when you do get to that point, we can obviously look at what cover is available. Obviously, it's a little harder given that you have, like, claimed on some form of IP in the past as well, but you might still be able to get some form of policy that gives you some form of protection or look to being a bit more self insured. And just as you said, you don't have too much debt. So looking at paying that a bit off a bit quicker or trying to put that into some form of savings account or things like that to self insure because, you know, it is quite a yeah. It is quite a decent amount of month that you could be putting, like, into some form of, like, investment to self insure. But, obviously, the benefit is is if you really do get injured, it pays all the way longer than sort of that savings would last if Yeah. Yep. No problem. Just the next annual review, we can obviously review it again and see how you feel about it then as well. Okay. Yeah. And then obviously, in regards to, like, the life in TPD, there's no reason to keep the Neos policy given that, like, everything that you we've disclosed or you disclosed should have potentially been on the policy. So there's no reason we shouldn't rewrite. It'll apply anyway. So some things that would be not on a new policy or on it not on the current policy, but on a new policy, then we might look at keeping, but there's no real reason to maintain what you've got currently. And then in regards to, like, obviously, there is a needs analysis there to show you sort of what was required in terms of your debt, which covers that more than with the policy as well. Obviously, the benefit is that one is like that insurance we're recommending to is paid out of super, so that helps the out of pocket cost there as well. And then with that, Ascender did give the most favorable underwriting terms. And then with the buybacks and links and everything like that, you still have a comprehensive policy for that life and total permanent disability if anything was to happen. I think, obviously, the risk is is obviously you still gotta meet the definitions of the claim if anything were to happen outlined in the PDFs that we do provide. Obviously, we'll update this document and send it, and you'll be able to read through all of that as well. There is a quote there as well to show you illustrate what that looks like in terms of, like, the cost premium plus that is with the loading. So if you don't get the loading, it will be slightly less than that as well. And then we also considered rewriting the IP, but, obviously, we're keeping that at the moment, group insurances, level premiums, things like that as well. But all of those came at a lot higher cost there as well. And then with the other insurers, some of them didn't come back as with some favorable terms. But do you have any questions in regards to those insurances or the? Yep. Obviously, in regards to the fee, it's still the 1.65%, and then it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy. That's not an additional cost you pay. That's what the insurer pays us out of what you pay to them as a premium. And then that one, yeah, we just have to disclose it. Yeah. Well, in regards to, like, the document, obviously, we'll get updates. Don't worry about signing it there. If you were to sign, basically, they'd get the the trade implemented to update the investments. And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you. And then we'd still just maintain that Neos policy in the meantime until time we got the new cover just in case anything else came up. Not a problem at all, Sean. Do you have any questions in regards to to anything while you've got me there? Yep. No. We'll get that all updated with the the actual document there because as I said, that's just that trade section there is just incorrect there. So we'll get that sorted there, and we'll get that resend out to you. And then you can just have a review through it if you want, have a look at it. You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get a chance. And then, yeah, come back with any questions you do have once we sort of send through that. But they'll say it'd be in the next sort of twenty minutes. They'll just change over that table and get it sent back out to you. Not a problem at all, Sean. Well, if you don't have any other questions for me, I'll let you get back to it, and then, yeah, just reach out if you do have any questions regarding that. Too easy, mate. Have a good afternoon. Thanks for your time. Thanks. 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afternoon, Sean. It's Carl calling from Acute Financial. How are you today? That's good to hear. I just got you in for your statement of advice presentation.\n\nNow is still a good time for you? Not a problem at all. Just to jump into that one today, Sean, if I could just pass through security of that name, date of birth, and current address, we'll get stuck into that today. Perfect. Thank you for that one.\n\nNow just because I know the last time we spoke was just the end of last year there, Sean. Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that? Yeah. Perfect. Brilliant.\n\nSo I'll be sending this out there, Sean. I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com. Perfect. So this is just for your updated statement advice. I'll run through it there with you today.\n\nHow much time do you sort of have? Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna go a bit more into it? Perfect. So that should show up in your inbox there shortly, and then we'll be able to go through that with you. Might just take a a second there.\n\nYeah. But generally, sometimes with the the larger ones, there are a few documents that do take a bit to to get through there. Hopefully, it's a bit bit sunnier down your way. It's a bit wet and miserable. Yeah.\n\nThat should be be alright. And then be a good weekend. Ready? 30. So there is a link there for the signable document, which is the statement advice.\n\nThere is a quote there. If you're sort of accepting everything there as well, they'd get you to sign the the quote as well, but it just wasn't advice. Decidedly not too great for the start of the year, but there has been a few days where it should cover a little bit. So in terms of, like, overall performance, probably not, like, the worst down. And, generally, with the regards to to wars, it, like, it dips quite significantly, and then it sorta rebounds quite quickly.\n\nSo once everything sort of in the dust settles, although, you know, we might be still paying $3 a liter for diesel for a little bit longer, as far as the stock market's probably concerned, they probably will rebound quite quickly in terms of that one. It's also our cost of living and lifestyle expenses that will probably remain higher for longer. Yeah. But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like and then the recovery from that. And then, obviously, we've had another hit from there.\n\nBut overall, hopefully, moving forward, there's not too many things like that that do occur. Yeah. And we can get a bit of steady growth out of Sufan and then with the update there as well, hopefully. That puts you in, yeah, in a nice spot moving forward. Now the document there is obviously created for yourself by myself and the team.\n\nIt's an authorized effort in the Oakview Financial. In terms of the document itself, it is quite straightforward in the sense that we were mainly just looking at the investments inside the superannuation and then touching on the insurances. Now a part of that was, obviously, you decided to keep that IP policy, and the last bit was just reviewing that life and TPD to see if there's a more adequate policy that we could rewrite to just for cheaper premiums moving forward. So as far as it is limited to those two areas, they're quite simple in terms of the advice. And then with that, we did a review of your superannuation platform, your investments.\n\nIt just worked out to be in your best interest at the moment. With the CGT, you did have liable just to maintain net wealth and just adjust the underlying investments. Now in the meantime there as well with the Bennelong and what happened with Bennelong, the business sent out that record of advice that moved you out of Bennelong. And then from there, we're just making a bit of a tweak because you are quite heavily weighted into one asset because that was the asset that they are away to. So you have about 40% in the a 200.\n\nWe're just looking at sort of adjusting a little bit, making sure you're nice and diversified moving forward and not all your eggs are sort of in that one basket. So, hopefully, you get nice long term growth. And then applying for life and total permanent disability with a sender that's paid through the net worth much like your Neos policy. Just within regards to that one, what did occur when we deal with those pre assessments, in regards to the pins that you do hold in your your shoulder, and then also medication you take for for mental health, weren't sort of answered in the way, sort of the way those questions were worded to where it's potentially a nondisclosure. So we just wanna make sure that is disclosed.\n\nSo if anything did occur outside of that, that you are covered, and then that Neos wouldn't sort of look at to come knowing a claim. So moving forward, you would have this shoulder and mental health exclusion. And then depending on how your sleep apnea is going, because I don't think you've mentioned it too much with us, because you currently have the loading for it. Are you currently using the machine? Do you still have sleep apnea there, Sean?\n\nYeah. So as long as that's under control, it can be standard rate. If not, you'll just still keep that 50% loading there as well. Yeah. So as long as you disclose that during the application process, that should be more than fine.\n\nBut those are the three we're looking at. They should have been on your current policy anyway, but given that the way the questions were worded back then, obviously, it just didn't come up. So we just wanna make sure that moving forward that it is in there. On page five and six, you'll be able to see just your current information there in regards to occupation, income, and then debts, assets, liabilities. Also, you only have really the mortgage left.\n\nSo, you know, as you do get old and you pay down that, the like, given that your IP still is quite expensive, but you are still, you know, working in that, once you sort of pay down the mortgage or pay off considerable amount and get a bit of a savings going as well, we might be able to look at, you know, changing that or just getting rid of some of your insurance altogether to lower cost just when you don't have as much debt and don't need to cover for as much. Perfect. Now in regards to your risk profile, we're just keeping you in high growth. That's what you scored. That's what you're happy to stay in.\n\nObviously, you've got a number of years until the age of 60 to even touch your money even if you could. So it just means you're invested a little bit more aggressively for that time being, and then we can look at reducing that a bit later. It's a bit easier than trying to play and catch up, taking on a bit more risk now. Now as far as retaining net wealth there and updating your portfolio to to a nice new high growth adjustment there with the changes that have occurred in the market there currently. It just means that one, you've removed that manager risk.\n\nYou don't have that moving forward. You have a cheaper investment option moving forward, and that has historically performed really well. And then also within regards that tracking those indexes there and having nice diversification, it's gonna have a nice spread across different, not only regions, but also different companies there within those exchange traded funds. Now within regards to the CGT liability, just due to the little loss that did occur in with Benelon, in addition to the changes that are being made, you'll only pay around a $180 to make the changes that we're recommending, which means it doesn't come as a huge cost out of the portfolio to make those switches there. And then hopefully on that moving forward.\n\nBut do you have any questions in regards to that investment update so far there, Sean? Perfect. So the main points there is it's in line with the risk profile. You still have the same allocation to growth assets as you do, like, currently. You just won't have to manage your risk.\n\nYou will have a lower cost investment, which means that more of your money goes into the actual investments themselves, and then you'll still be a client with OP. You'll still get all those benefits, and then you'll also have a lower allocation to any single asset and have a greater spread across a few there that improves that diversification. Having obviously, in regards to where the markets are at the moment, they are quite volatile. So anytime you do these changes, there is a time when you'll be in a cash portion. And if the market does go up in that time frame, then you might miss out on a bit of potential growth.\n\nIf it goes the other way and takes a bit of a dip, it means that you sort of buy it at a bit of a lower cost. So either way, it might jump a little bit, but it's sort of negligible over the the long term there for you. We did also consider just leaving in your current portfolio. Although, historically, given the weightings that it would have performed potentially better over the last five years, but in saying that it is quite a high allocation to one asset and and if that asset was to do poorly, it'll end up in, like, another been a long situation where your whole portfolio takes a significant hit purely because one asset isn't doing great. So we wanna diversify across a few more there.\n\nWe're gonna reduce the cost in regards to those investments. And then we also thought about keeping an active portion, but given the cost involved with that and how they are performing currently compared to the indexes, it just sort of looks to be better than keep you in a a more passive index approach moving forward. On page 13 there, you'll be able to see the buyers and sales and the change. The majority of it will come out of the BetaShares Australian two hundred, and then you'll also be moving there across from where you are currently with the iShares, Europe, Japan, S and P five hundred, and then moving across there. Sorry.\n\nI'll just have a quick look. I believe this table might just be a little bit incorrect there. Sorry. I'll just have a quick look. Yeah.\n\nBear with me there. I'm just making sure that lines up. I'm not too sure if they've actually and then probably just bear with me, Sean. I believe that investment table might be the wrong table that that's gone into. So I might need to get them to to update that.\n\nWe'll resend that out to you there, Sean. In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you. But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before. Yes. So within regards to the change, sure what happened with the the table there, but you will still have the cybersecurity.\n\nIt'll be still in Europe, Japan, and then you'll have the S and P 500 as a core with the Australian BetaShares 200. And then you'll have some gold, the composite bond, and then an all world excluding the US there as well. So not too different from what you you currently have. It'll just be sort of spaced across a number of different investments and sort of have a less allocation to that Australian 200. I'll get them to update that, and we'll resend you that document there.\n\nSo don't worry about signing or anything today there, Sean, and we'll get that one sorted. Apologies for the the mix up there. It just seems like they've selected the one over, so that's more than fine. But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth. You just won't have any manager risk with that.\n\nIt'll be a nice passive approach there. Now, obviously, in regards to the tables there as well, I'll just get them to check all that and make sure that is all correct before saying that out. But, obviously, it'll illustrate there in regards to that how that might look over sort of yep. Yep. So when you do see that when it it does get adjusted there, so obviously that's the the wrong buy sell spread.\n\nOn the the left hand side, you'll be able to see your actual portfolios. You currently, you have 40% in the BetaShares Australian two hundred. And what they'll, yeah, what they'll illustrate is what what you'd be selling out of that versus what you'd be buying into on the right hand side to show you what the balances would be. So on the right hand columns, you'd see, like, sold at seven. Yeah.\n\nThat's what it would be with the buys and sells, and it shows you in the red what would be selling down to purchase those other assets for the diversification. Now yeah. And if you see the target waiting, some go to zero, but obviously, it's a different portfolio there. So, yeah, minus the $180 there. Yeah.\n\nSo obviously, that's the the wrong portfolio. So I'll get them to update that for you. And then and then you'll be able to see the actual changes so you can have a look at that, make sure you're happy with that one. And then yeah. And on that right hand side, you'll be able to see the percentages for each different one.\n\nSo within regards to that, I can let you know what the actual portfolio there should be for you. So you have 6% in this cybersecurity, 9% in the iShares Europe, and you'd have 5% in the Japan region still, and then you'd have 8% in the Vanguard all world US. You'd still have a key portion in the S and P 500 at 35. BetaShares would still have 25% as opposed to the 40, so a little bit of a reduction there. And then 7% in gold and then 5% in Europe defensive iShares composite bond.\n\nSo within yeah. It's like one of those negatively correlated sort of assets, and it can be it's because it's an alternative. It can be suited like a growth asset or a defensive asset depending on what's going on in, like, the world. Obviously, within the way the the economy's been the past few years, gold's taking quite a bit of a jump just purely for the fact that everything is going on. People go back to that harder currency.\n\nBut, generally, it's more of just, like, you know, holding things like cash and fixed interest. It generally gets you know, holds its value, goes up slowly over time, bit higher than the cash rate, and that's sort of still how it's viewed, but a bit more of a growth asset at the moment, and that's how they sort of allocated it with everything going on. But, obviously, you don't wanna be overweight in anything too much, specifically when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies. Gold's just gold at the end of the day. It's purely linked to what the price of gold's doing.\n\nPerfect. And then if you do go down over to the projection table of what the things will cost within regards to that one, I believe that table is correct in terms of the fees and the change in the growth. So, obviously, when you look at the growth over the past five years, it is slightly less, and that's purely because the a 200 did, like, quite well over that period. But what you're doing is you might, like, lose out on a little bit of growth if a 200 was too fantastic. But if the same sense, if you get 40% in an asset and it takes a bit of a dip, then obviously, that can really negatively hurt your portfolio, which is why we went to a bit more diversification as opposed to what you you currently got there.\n\nYep. And then within regards to the insurances and the new insurance recommendation, the premium will be a lot lower, which will save on those fees moving forward, which will help go towards investing more. Yeah. So you can see the insurance premiums there dropped quite dramatically with the recommended. Yep.\n\nSo that will go towards each year just going towards being invested. Obviously, insurance premiums do go up a little bit each year. But in saying that rewriting there, we can get them back down a little bit. You'd have the same exclusions or loadings you should potentially on your current policy anyway. Give it that how far back those conditions date.\n\nAnd then with that, you'd just be paying that lower cost for even with the the Neos there, even though they aren't currently excluded on the policy, if the Neos was to find out that those predate the policy anyway, they could deny a claim, or they could just cancel your insurance totally anyway if it was in regards to any sort of mental health or that shoulder injury as well with the pins in there just from that. And then you'll be paying a lot less anyway for a comparable policy. So if you did go down to page 18 there, you can see the policy you're recommending is 350,000 of life and total permanent disability, and it works out to be around a thousand dollars per annum after the 15% rebate in super. It is slightly less than the cover you have currently, but your debts are also slightly less a little bit as well. Yeah.\n\nYeah. And that's more so just a little bit more in the sense that if you were totally or permanently disabled and couldn't work, you've got an extra 100 and 50,000 could go towards 50, like, living expenses and things like that and having that invested, which is why it's a little bit more. As I said there over the next page on page 20, you'd be able to see that the exclusion that will apply the mental health, the left shoulder exclusion, and the 50% loading for the sleep apnea, but that could be just standard rates depending on how you get assessed on that as well, which is fine because yeah. Yeah. And that's the thing too.\n\nLike, it's purely because, like, I know people that have said they're a little bit stressed at work and get a mental health exclusion. It doesn't mean you're gonna stop working. Given that you've taken the medication, it's fun. And given that your your shoulder occurred so long ago, it wouldn't regularly be an issue. But anytime you have any sort of foreign material, like, any sort of pins or plates or things like that, there is a chance later down the track that they may need to be removed or changed and things like that, which is why they always exclude them when there's foreign material sort of in there.\n\nPerfect. So, yeah, when we did all the I know you remember probably a few of those conversations we have with the back and forth and reviewing everything. Obviously, you're keeping the IP policy that is quite expensive, but it is quite comparable. It is a really comprehensive policy for how long you've held it, the benefits you do get with that, and you have claimed on a few times there in the past as well. So looking at keeping that in the the meantime.\n\nYeah. Yep. Yeah. And then when you do get to that point, we can obviously look at what cover is available. Obviously, it's a little harder given that you have, like, claimed on some form of IP in the past as well, but you might still be able to get some form of policy that gives you some form of protection or look to being a bit more self insured.\n\nAnd just as you said, you don't have too much debt. So looking at paying that a bit off a bit quicker or trying to put that into some form of savings account or things like that to self insure because, you know, it is quite a yeah. It is quite a decent amount of month that you could be putting, like, into some form of, like, investment to self insure. But, obviously, the benefit is is if you really do get injured, it pays all the way longer than sort of that savings would last if Yeah. Yep.\n\nNo problem. Just the next annual review, we can obviously review it again and see how you feel about it then as well. Okay. Yeah. And then obviously, in regards to, like, the life in TPD, there's no reason to keep the Neos policy given that, like, everything that you we've disclosed or you disclosed should have potentially been on the policy.\n\nSo there's no reason we shouldn't rewrite. It'll apply anyway. So some things that would be not on a new policy or on it not on the current policy, but on a new policy, then we might look at keeping, but there's no real reason to maintain what you've got currently. And then in regards to, like, obviously, there is a needs analysis there to show you sort of what was required in terms of your debt, which covers that more than with the policy as well. Obviously, the benefit is that one is like that insurance we're recommending to is paid out of super, so that helps the out of pocket cost there as well.\n\nAnd then with that, Ascender did give the most favorable underwriting terms. And then with the buybacks and links and everything like that, you still have a comprehensive policy for that life and total permanent disability if anything was to happen. I think, obviously, the risk is is obviously you still gotta meet the definitions of the claim if anything were to happen outlined in the PDFs that we do provide. Obviously, we'll update this document and send it, and you'll be able to read through all of that as well. There is a quote there as well to show you illustrate what that looks like in terms of, like, the cost premium plus that is with the loading.\n\nSo if you don't get the loading, it will be slightly less than that as well. And then we also considered rewriting the IP, but, obviously, we're keeping that at the moment, group insurances, level premiums, things like that as well. But all of those came at a lot higher cost there as well. And then with the other insurers, some of them didn't come back as with some favorable terms. But do you have any questions in regards to those insurances or the?\n\nYep. Obviously, in regards to the fee, it's still the 1.65%, and then it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy. That's not an additional cost you pay. That's what the insurer pays us out of what you pay to them as a premium. And then that one, yeah, we just have to disclose it.\n\nYeah. Well, in regards to, like, the document, obviously, we'll get updates. Don't worry about signing it there. If you were to sign, basically, they'd get the the trade implemented to update the investments. And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you.\n\nAnd then we'd still just maintain that Neos policy in the meantime until time we got the new cover just in case anything else came up. Not a problem at all, Sean. Do you have any questions in regards to to anything while you've got me there? Yep. No.\n\nWe'll get that all updated with the the actual document there because as I said, that's just that trade section there is just incorrect there. So we'll get that sorted there, and we'll get that resend out to you. And then you can just have a review through it if you want, have a look at it. You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get a chance. And then, yeah, come back with any questions you do have once we sort of send through that.\n\nBut they'll say it'd be in the next sort of twenty minutes. They'll just change over that table and get it sent back out to you. Not a problem at all, Sean. Well, if you don't have any other questions for me, I'll let you get back to it, and then, yeah, just reach out if you do have any questions regarding that. Too easy, mate.\n\nHave a good afternoon. Thanks for your time. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Sean.","start":0.0,"end":2.56,"sentiment":"neutral","sentiment_score":0.19991477330525717},{"text":"It's Carl calling from Acute Financial.","start":2.56,"end":4.0,"sentiment":"neutral","sentiment_score":0.14540278414885202},{"text":"How are you today?","start":4.0,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.21436422318220139},{"text":"That's good to hear.","start":6.16,"end":7.12,"sentiment":"positive","sentiment_score":0.7587412446737289},{"text":"I just got you in for your statement of advice presentation.","start":7.12,"end":9.36,"sentiment":"positive","sentiment_score":0.4408177841793407}],"sentiment":"positive","sentiment_score":0.364770661507334,"num_words":28,"start":0.0,"end":9.36},{"sentences":[{"text":"Now is still a good time for you?","start":9.36,"end":10.9,"sentiment":"positive","sentiment_score":0.3681693486869335},{"text":"Not a problem at all.","start":12.575001,"end":13.695001,"sentiment":"neutral","sentiment_score":0.2543847352266312},{"text":"Just to jump into that one today, Sean, if I could just pass through security of that name, date of birth, and current address, we'll get stuck into that today.","start":13.695001,"end":19.155,"sentiment":"neutral","sentiment_score":0.1610049823919932},{"text":"Perfect.","start":24.91,"end":25.230001,"sentiment":"positive","sentiment_score":0.5317248106002808},{"text":"Thank you for that one.","start":25.230001,"end":26.35,"sentiment":"positive","sentiment_score":0.6379199385643005}],"sentiment":"neutral","sentiment_score":0.26058678450633066,"num_words":49,"start":9.36,"end":26.35},{"sentences":[{"text":"Now just because I know the last time we spoke was just the end of last year there, Sean.","start":26.35,"end":30.69,"sentiment":"neutral","sentiment_score":0.08644362450822403},{"text":"Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that?","start":31.39,"end":38.75,"sentiment":"neutral","sentiment_score":0.020768022952744596},{"text":"Yeah.","start":38.75,"end":39.07,"sentiment":"neutral","sentiment_score":-0.003632829524576664},{"text":"Perfect.","start":39.07,"end":39.57,"sentiment":"neutral","sentiment_score":0.0736100822687149},{"text":"Brilliant.","start":41.095,"end":41.595,"sentiment":"positive","sentiment_score":0.443686842918396}],"sentiment":"neutral","sentiment_score":0.056167949126878135,"num_words":48,"start":26.35,"end":41.595},{"sentences":[{"text":"So I'll be sending this out there, Sean.","start":41.975002,"end":43.735,"sentiment":"neutral","sentiment_score":0.1833876958116889},{"text":"I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com.","start":43.735,"end":50.075,"sentiment":"neutral","sentiment_score":0.061240647426422906},{"text":"Perfect.","start":51.415,"end":51.75,"sentiment":"neutral","sentiment_score":0.33288663625717163},{"text":"So this is just for your updated statement advice.","start":52.31,"end":54.31,"sentiment":"neutral","sentiment_score":0.19489607214927673},{"text":"I'll run through it there with you today.","start":54.31,"end":55.75,"sentiment":"neutral","sentiment_score":0.2532485332340002}],"sentiment":"neutral","sentiment_score":0.1539798168422178,"num_words":43,"start":41.975002,"end":55.75},{"sentences":[{"text":"How much time do you sort of have?","start":55.75,"end":57.19,"sentiment":"neutral","sentiment_score":0.027853299863636494},{"text":"Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna go a bit more into it?","start":57.19,"end":62.25,"sentiment":"neutral","sentiment_score":0.02949813629190127},{"text":"Perfect.","start":67.765,"end":68.165,"sentiment":"positive","sentiment_score":0.4481124877929687},{"text":"So that should show up in your inbox there shortly, and then we'll be able to go through that with you.","start":68.165,"end":71.945,"sentiment":"neutral","sentiment_score":0.29063972192151205},{"text":"Might just take a a second there.","start":90.595,"end":92.534996,"sentiment":"neutral","sentiment_score":-0.08516001169170652}],"sentiment":"neutral","sentiment_score":0.10542085155177472,"num_words":67,"start":55.75,"end":92.534996},{"sentences":[{"text":"Yeah.","start":116.625,"end":117.125,"sentiment":"neutral","sentiment_score":-0.05907394364476204},{"text":"But generally, sometimes with the the larger ones, there are a few documents that do take a bit to to get through there.","start":117.185,"end":122.725,"sentiment":"neutral","sentiment_score":-0.06437008001882097},{"text":"Hopefully, it's a bit bit sunnier down your way.","start":137.775,"end":140.655,"sentiment":"neutral","sentiment_score":0.18265193700790405},{"text":"It's a bit wet and miserable.","start":140.655,"end":142.435,"sentiment":"negative","sentiment_score":-0.402361661195755},{"text":"Yeah.","start":150.11,"end":150.34999,"sentiment":"neutral","sentiment_score":0.26183849573135376}],"sentiment":"neutral","sentiment_score":-0.0512012455612421,"num_words":40,"start":116.625,"end":150.34999},{"sentences":[{"text":"That should be be alright.","start":150.34999,"end":151.54999,"sentiment":"positive","sentiment_score":0.37148240208625793},{"text":"And then be a good weekend.","start":151.54999,"end":152.69,"sentiment":"positive","sentiment_score":0.483543336391449},{"text":"Ready?","start":156.83,"end":157.33,"sentiment":"neutral","sentiment_score":0.07081256806850433},{"text":"30.","start":161.72499,"end":162.22499,"sentiment":"neutral","sentiment_score":0.02609437331557274},{"text":"So there is a link there for the signable document, which is the statement advice.","start":162.36499,"end":166.36499,"sentiment":"neutral","sentiment_score":0.043344561010599136}],"sentiment":"neutral","sentiment_score":0.19663383519010885,"num_words":28,"start":150.34999,"end":166.36499},{"sentences":[{"text":"There is a quote there.","start":166.36499,"end":167.885,"sentiment":"neutral","sentiment_score":0.04696904495358467},{"text":"If you're sort of accepting everything there as well, they'd get you to sign the the quote as well, but it just wasn't advice.","start":167.885,"end":176.29999,"sentiment":"neutral","sentiment_score":0.025610735174268484},{"text":"Decidedly not too great for the start of the year, but there has been a few days where it should cover a little bit.","start":190.21501,"end":195.49501,"sentiment":"neutral","sentiment_score":-0.20368258437762657},{"text":"So in terms of, like, overall performance, probably not, like, the worst down.","start":195.49501,"end":199.675,"sentiment":"neutral","sentiment_score":-0.2100019838947516},{"text":"And, generally, with the regards to to wars, it, like, it dips quite significantly, and then it sorta rebounds quite quickly.","start":200.37001,"end":207.59001,"sentiment":"neutral","sentiment_score":-0.13222480175041018}],"sentiment":"neutral","sentiment_score":-0.10971983659198914,"num_words":87,"start":166.36499,"end":207.59001},{"sentences":[{"text":"So once everything sort of in the dust settles, although, you know, we might be still paying $3 a liter for diesel for a little bit longer, as far as the stock market's probably concerned, they probably will rebound quite quickly in terms of that one.","start":208.13,"end":220.605,"sentiment":"neutral","sentiment_score":-0.09195330892891987},{"text":"It's also our cost of living and lifestyle expenses that will probably remain higher for longer.","start":220.665,"end":226.205,"sentiment":"neutral","sentiment_score":-0.1662632110528648},{"text":"Yeah.","start":228.36,"end":228.86,"sentiment":"neutral","sentiment_score":-0.05567916855216026},{"text":"But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like and then the recovery from that.","start":230.36,"end":240.44,"sentiment":"neutral","sentiment_score":-0.07458799276500941},{"text":"And then, obviously, we've had another hit from there.","start":240.44,"end":242.86,"sentiment":"neutral","sentiment_score":-0.1412002473241753}],"sentiment":"neutral","sentiment_score":-0.10000057761291307,"num_words":112,"start":208.13,"end":242.86},{"sentences":[{"text":"But overall, hopefully, moving forward, there's not too many things like that that do occur.","start":243.48,"end":250.035,"sentiment":"neutral","sentiment_score":0.06321964412927628},{"text":"Yeah.","start":250.095,"end":250.595,"sentiment":"neutral","sentiment_score":-0.03691325709223747},{"text":"And we can get a bit of steady growth out of Sufan and then with the update there as well, hopefully.","start":250.655,"end":256.195,"sentiment":"positive","sentiment_score":0.4627250021412259},{"text":"That puts you in, yeah, in a nice spot moving forward.","start":256.94,"end":260.24,"sentiment":"positive","sentiment_score":0.4438542114062743},{"text":"Now the document there is obviously created for yourself by myself and the team.","start":261.18,"end":265.5,"sentiment":"neutral","sentiment_score":0.13733748931969916}],"sentiment":"neutral","sentiment_score":0.2811891552541525,"num_words":62,"start":243.48,"end":265.5},{"sentences":[{"text":"It's an authorized effort in the Oakview Financial.","start":265.5,"end":267.44,"sentiment":"neutral","sentiment_score":0.08681656187400222},{"text":"In terms of the document itself, it is quite straightforward in the sense that we were mainly just looking at the investments inside the superannuation and then touching on the insurances.","start":267.98,"end":277.595,"sentiment":"neutral","sentiment_score":0.08810476279787478},{"text":"Now a part of that was, obviously, you decided to keep that IP policy, and the last bit was just reviewing that life and TPD to see if there's a more adequate policy that we could rewrite to just for cheaper premiums moving forward.","start":277.73502,"end":290.37,"sentiment":"neutral","sentiment_score":0.0614521624520421},{"text":"So as far as it is limited to those two areas, they're quite simple in terms of the advice.","start":290.37,"end":295.35,"sentiment":"neutral","sentiment_score":0.1174661544592757},{"text":"And then with that, we did a review of your superannuation platform, your investments.","start":295.57,"end":300.61002,"sentiment":"neutral","sentiment_score":0.156366160937718}],"sentiment":"neutral","sentiment_score":0.09095395239198516,"num_words":116,"start":265.5,"end":300.61002},{"sentences":[{"text":"It just worked out to be in your best interest at the moment.","start":300.61002,"end":302.69,"sentiment":"neutral","sentiment_score":0.31574493188124436},{"text":"With the CGT, you did have liable just to maintain net wealth and just adjust the underlying investments.","start":302.69,"end":308.28497,"sentiment":"neutral","sentiment_score":0.0737642753455374},{"text":"Now in the meantime there as well with the Bennelong and what happened with Bennelong, the business sent out that record of advice that moved you out of Bennelong.","start":308.34497,"end":316.205,"sentiment":"neutral","sentiment_score":-0.015749967512514056},{"text":"And then from there, we're just making a bit of a tweak because you are quite heavily weighted into one asset because that was the asset that they are away to.","start":316.43,"end":323.55002,"sentiment":"neutral","sentiment_score":-0.005651065779309119},{"text":"So you have about 40% in the a 200.","start":323.55002,"end":325.63,"sentiment":"neutral","sentiment_score":0.06082339667611652}],"sentiment":"neutral","sentiment_score":0.05347919543739408,"num_words":100,"start":300.61002,"end":325.63},{"sentences":[{"text":"We're just looking at sort of adjusting a little bit, making sure you're nice and diversified moving forward and not all your eggs are sort of in that one basket.","start":325.63,"end":332.72498,"sentiment":"neutral","sentiment_score":0.09853720366954803},{"text":"So, hopefully, you get nice long term growth.","start":333.66498,"end":336.405,"sentiment":"positive","sentiment_score":0.5371759049594402},{"text":"And then applying for life and total permanent disability with a sender that's paid through the net worth much like your Neos policy.","start":336.705,"end":342.805,"sentiment":"neutral","sentiment_score":0.22908702557501587},{"text":"Just within regards to that one, what did occur when we deal with those pre assessments, in regards to the pins that you do hold in your your shoulder, and then also medication you take for for mental health, weren't sort of answered in the way, sort of the way those questions were worded to where it's potentially a nondisclosure.","start":343.10498,"end":360.045,"sentiment":"neutral","sentiment_score":-0.013364506699144841},{"text":"So we just wanna make sure that is disclosed.","start":360.265,"end":362.105,"sentiment":"neutral","sentiment_score":0.005289783080418904}],"sentiment":"neutral","sentiment_score":0.09052509679817236,"num_words":130,"start":325.63,"end":362.105},{"sentences":[{"text":"So if anything did occur outside of that, that you are covered, and then that Neos wouldn't sort of look at to come knowing a claim.","start":362.105,"end":368.025,"sentiment":"neutral","sentiment_score":-0.11389495346408623},{"text":"So moving forward, you would have this shoulder and mental health exclusion.","start":368.025,"end":371.945,"sentiment":"negative","sentiment_score":-0.3624683618545532},{"text":"And then depending on how your sleep apnea is going, because I don't think you've mentioned it too much with us, because you currently have the loading for it.","start":371.945,"end":379.03,"sentiment":"neutral","sentiment_score":-0.14686181601779214},{"text":"Are you currently using the machine?","start":379.03,"end":380.39,"sentiment":"neutral","sentiment_score":-0.04349120147526264},{"text":"Do you still have sleep apnea there, Sean?","start":380.39,"end":382.81,"sentiment":"neutral","sentiment_score":-0.0403643783647567}],"sentiment":"neutral","sentiment_score":-0.15004622262477138,"num_words":81,"start":362.105,"end":382.81},{"sentences":[{"text":"Yeah.","start":385.04498,"end":385.365,"sentiment":"neutral","sentiment_score":0.1667701005935669},{"text":"So as long as that's under control, it can be standard rate.","start":385.365,"end":387.845,"sentiment":"neutral","sentiment_score":0.2541891112923622},{"text":"If not, you'll just still keep that 50% loading there as well.","start":387.845,"end":392.10498,"sentiment":"neutral","sentiment_score":0.1094773318618536},{"text":"Yeah.","start":394.965,"end":395.205,"sentiment":"neutral","sentiment_score":0.05327814072370529},{"text":"So as long as you disclose that during the application process, that should be more than fine.","start":395.205,"end":399.6,"sentiment":"neutral","sentiment_score":0.18227307016358657}],"sentiment":"neutral","sentiment_score":0.1786671570220659,"num_words":43,"start":385.04498,"end":399.6},{"sentences":[{"text":"But those are the three we're looking at.","start":399.6,"end":401.28,"sentiment":"neutral","sentiment_score":0.06874862499535084},{"text":"They should have been on your current policy anyway, but given that the way the questions were worded back then, obviously, it just didn't come up.","start":401.28,"end":409.04,"sentiment":"neutral","sentiment_score":0.026181951308479674},{"text":"So we just wanna make sure that moving forward that it is in there.","start":409.04,"end":412.695,"sentiment":"neutral","sentiment_score":0.14631883267845427},{"text":"On page five and six, you'll be able to see just your current information there in regards to occupation, income, and then debts, assets, liabilities.","start":415.015,"end":423.755,"sentiment":"neutral","sentiment_score":0.10359731882810592},{"text":"Also, you only have really the mortgage left.","start":425.27,"end":427.99,"sentiment":"neutral","sentiment_score":0.06617372808977962}],"sentiment":"neutral","sentiment_score":0.07899390354200646,"num_words":81,"start":399.6,"end":427.99},{"sentences":[{"text":"So, you know, as you do get old and you pay down that, the like, given that your IP still is quite expensive, but you are still, you know, working in that, once you sort of pay down the mortgage or pay off considerable amount and get a bit of a savings going as well, we might be able to look at, you know, changing that or just getting rid of some of your insurance altogether to lower cost just when you don't have as much debt and don't need to cover for as much.","start":427.99,"end":450.75,"sentiment":"neutral","sentiment_score":0.13940684371872952},{"text":"Perfect.","start":452.75,"end":453.25,"sentiment":"neutral","sentiment_score":0.1331762969493866},{"text":"Now in regards to your risk profile, we're just keeping you in high growth.","start":454.27,"end":457.63,"sentiment":"neutral","sentiment_score":0.225847350699561},{"text":"That's what you scored.","start":457.63,"end":458.35,"sentiment":"positive","sentiment_score":0.5300049185752869},{"text":"That's what you're happy to stay in.","start":458.35,"end":459.63,"sentiment":"positive","sentiment_score":0.6906643680163792}],"sentiment":"neutral","sentiment_score":0.1941599967804822,"num_words":121,"start":427.99,"end":459.63},{"sentences":[{"text":"Obviously, you've got a number of years until the age of 60 to even touch your money even if you could.","start":459.63,"end":464.43,"sentiment":"neutral","sentiment_score":0.12728653174071086},{"text":"So it just means you're invested a little bit more aggressively for that time being, and then we can look at reducing that a bit later.","start":464.43,"end":470.395,"sentiment":"neutral","sentiment_score":0.05458099989650341},{"text":"It's a bit easier than trying to play and catch up, taking on a bit more risk now.","start":470.395,"end":473.775,"sentiment":"neutral","sentiment_score":0.09894953585333294},{"text":"Now as far as retaining net wealth there and updating your portfolio to to a nice new high growth adjustment there with the changes that have occurred in the market there currently.","start":474.395,"end":485.14,"sentiment":"neutral","sentiment_score":0.309280252084136},{"text":"It just means that one, you've removed that manager risk.","start":485.52002,"end":488.16,"sentiment":"neutral","sentiment_score":0.15972840338945388}],"sentiment":"neutral","sentiment_score":0.1623127748580458,"num_words":107,"start":459.63,"end":488.16},{"sentences":[{"text":"You don't have that moving forward.","start":488.16,"end":489.6,"sentiment":"neutral","sentiment_score":0.2578213115533193},{"text":"You have a cheaper investment option moving forward, and that has historically performed really well.","start":489.6,"end":494.775,"sentiment":"positive","sentiment_score":0.5474063515663147},{"text":"And then also within regards that tracking those indexes there and having nice diversification, it's gonna have a nice spread across different, not only regions, but also different companies there within those exchange traded funds.","start":495.495,"end":507.72,"sentiment":"neutral","sentiment_score":0.305800946695464},{"text":"Now within regards to the CGT liability, just due to the little loss that did occur in with Benelon, in addition to the changes that are being made, you'll only pay around a $180 to make the changes that we're recommending, which means it doesn't come as a huge cost out of the portfolio to make those switches there.","start":512.28,"end":530.135,"sentiment":"neutral","sentiment_score":0.13605439688189555},{"text":"And then hopefully on that moving forward.","start":530.135,"end":532.635,"sentiment":"neutral","sentiment_score":0.20796178494180953}],"sentiment":"neutral","sentiment_score":0.2454426080965605,"num_words":122,"start":488.16,"end":532.635},{"sentences":[{"text":"But do you have any questions in regards to that investment update so far there, Sean?","start":533.655,"end":538.61,"sentiment":"neutral","sentiment_score":0.07557084457948804},{"text":"Perfect.","start":540.83,"end":541.33,"sentiment":"positive","sentiment_score":0.6011133193969727},{"text":"So the main points there is it's in line with the risk profile.","start":541.63,"end":544.03,"sentiment":"neutral","sentiment_score":0.25847343641978043},{"text":"You still have the same allocation to growth assets as you do, like, currently.","start":544.03,"end":548.75,"sentiment":"positive","sentiment_score":0.37007800170353483},{"text":"You just won't have to manage your risk.","start":548.75,"end":550.305,"sentiment":"neutral","sentiment_score":0.2839171942323446}],"sentiment":"neutral","sentiment_score":0.2427467516121956,"num_words":52,"start":533.655,"end":550.305},{"sentences":[{"text":"You will have a lower cost investment, which means that more of your money goes into the actual investments themselves, and then you'll still be a client with OP.","start":550.865,"end":557.745,"sentiment":"positive","sentiment_score":0.4211536468616847},{"text":"You'll still get all those benefits, and then you'll also have a lower allocation to any single asset and have a greater spread across a few there that improves that diversification.","start":557.745,"end":565.88,"sentiment":"positive","sentiment_score":0.6928185089941947},{"text":"Having obviously, in regards to where the markets are at the moment, they are quite volatile.","start":568.18,"end":572.02,"sentiment":"neutral","sentiment_score":-0.04537532618269324},{"text":"So anytime you do these changes, there is a time when you'll be in a cash portion.","start":572.02,"end":576.2,"sentiment":"neutral","sentiment_score":-0.05361767332343494},{"text":"And if the market does go up in that time frame, then you might miss out on a bit of potential growth.","start":576.34,"end":580.695,"sentiment":"neutral","sentiment_score":-0.19900651174512776}],"sentiment":"neutral","sentiment_score":0.24065374446951826,"num_words":115,"start":550.865,"end":580.695},{"sentences":[{"text":"If it goes the other way and takes a bit of a dip, it means that you sort of buy it at a bit of a lower cost.","start":580.91504,"end":585.09503,"sentiment":"neutral","sentiment_score":0.04244193048881633},{"text":"So either way, it might jump a little bit, but it's sort of negligible over the the long term there for you.","start":585.555,"end":591.495,"sentiment":"neutral","sentiment_score":0.012643337080424482},{"text":"We did also consider just leaving in your current portfolio.","start":592.88995,"end":595.55,"sentiment":"neutral","sentiment_score":0.0459461010992527},{"text":"Although, historically, given the weightings that it would have performed potentially better over the last five years, but in saying that it is quite a high allocation to one asset and and if that asset was to do poorly, it'll end up in, like, another been a long situation where your whole portfolio takes a significant hit purely because one asset isn't doing great.","start":595.69,"end":613.53503,"sentiment":"neutral","sentiment_score":-0.15430575555365067},{"text":"So we wanna diversify across a few more there.","start":613.53503,"end":616.91504,"sentiment":"neutral","sentiment_score":0.18219043066104254}],"sentiment":"neutral","sentiment_score":-0.0474426014965078,"num_words":133,"start":580.91504,"end":616.91504},{"sentences":[{"text":"We're gonna reduce the cost in regards to those investments.","start":617.29504,"end":619.85504,"sentiment":"neutral","sentiment_score":0.28281022012233736},{"text":"And then we also thought about keeping an active portion, but given the cost involved with that and how they are performing currently compared to the indexes, it just sort of looks to be better than keep you in a a more passive index approach moving forward.","start":619.85504,"end":632.14,"sentiment":"neutral","sentiment_score":0.18897789811834376},{"text":"On page 13 there, you'll be able to see the buyers and sales and the change.","start":634.935,"end":638.29504,"sentiment":"neutral","sentiment_score":0.18577792588621378},{"text":"The majority of it will come out of the BetaShares Australian two hundred, and then you'll also be moving there across from where you are currently with the iShares, Europe, Japan, S and P five hundred, and then moving across there.","start":638.29504,"end":656.62994,"sentiment":"neutral","sentiment_score":0.17637363930300967},{"text":"Sorry.","start":656.62994,"end":656.94995,"sentiment":"neutral","sentiment_score":-0.0286382045596838}],"sentiment":"neutral","sentiment_score":0.1903060107289449,"num_words":115,"start":617.29504,"end":656.94995},{"sentences":[{"text":"I'll just have a quick look.","start":656.94995,"end":658.32996,"sentiment":"neutral","sentiment_score":-0.022952069838841755},{"text":"I believe this table might just be a little bit incorrect there.","start":662.565,"end":667.045,"sentiment":"neutral","sentiment_score":-0.113642202069362},{"text":"Sorry.","start":667.045,"end":667.365,"sentiment":"neutral","sentiment_score":-0.06265484541654587},{"text":"I'll just have a quick look.","start":667.365,"end":668.745,"sentiment":"neutral","sentiment_score":0.009039235301315784},{"text":"Yeah.","start":684.275,"end":684.775,"sentiment":"neutral","sentiment_score":0.01935363188385963}],"sentiment":"neutral","sentiment_score":-0.05732633252269947,"num_words":26,"start":656.94995,"end":684.775},{"sentences":[{"text":"Bear with me there.","start":684.835,"end":686.29504,"sentiment":"neutral","sentiment_score":-0.00012191501446068287},{"text":"I'm just making sure that lines up.","start":686.35504,"end":688.03503,"sentiment":"neutral","sentiment_score":0.008808051369019918},{"text":"I'm not too sure if they've actually and then probably just bear with me, Sean.","start":688.03503,"end":693.41504,"sentiment":"neutral","sentiment_score":-0.07951237882177035},{"text":"I believe that investment table might be the wrong table that that's gone into.","start":719.76,"end":726.5,"sentiment":"negative","sentiment_score":-0.34433393818991526},{"text":"So I might need to get them to to update that.","start":728.32,"end":730.72,"sentiment":"neutral","sentiment_score":-0.15339822660792957}],"sentiment":"neutral","sentiment_score":-0.1497955413754372,"num_words":51,"start":684.835,"end":730.72},{"sentences":[{"text":"We'll resend that out to you there, Sean.","start":730.72,"end":732.98,"sentiment":"neutral","sentiment_score":-0.029197989031672478},{"text":"In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you.","start":733.985,"end":739.605,"sentiment":"neutral","sentiment_score":0.11184444854205305},{"text":"But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before.","start":742.225,"end":750.21,"sentiment":"neutral","sentiment_score":0.004441108962055296},{"text":"Yes.","start":771.885,"end":772.28503,"sentiment":"neutral","sentiment_score":0.09426899254322052},{"text":"So within regards to the change, sure what happened with the the table there, but you will still have the cybersecurity.","start":772.28503,"end":779.44,"sentiment":"neutral","sentiment_score":0.10881642429601579}],"sentiment":"neutral","sentiment_score":0.0565300398240132,"num_words":84,"start":730.72,"end":779.44},{"sentences":[{"text":"It'll be still in Europe, Japan, and then you'll have the S and P 500 as a core with the Australian BetaShares 200.","start":779.74005,"end":787.34,"sentiment":"neutral","sentiment_score":0.12650881513305332},{"text":"And then you'll have some gold, the composite bond, and then an all world excluding the US there as well.","start":787.34,"end":793.655,"sentiment":"neutral","sentiment_score":0.10164420884102583},{"text":"So not too different from what you you currently have.","start":794.675,"end":797.575,"sentiment":"neutral","sentiment_score":0.028129247575998308},{"text":"It'll just be sort of spaced across a number of different investments and sort of have a less allocation to that Australian 200.","start":797.635,"end":803.735,"sentiment":"neutral","sentiment_score":0.022329655030499333},{"text":"I'll get them to update that, and we'll resend you that document there.","start":804.2,"end":807.0,"sentiment":"neutral","sentiment_score":0.11943231351100482}],"sentiment":"neutral","sentiment_score":0.08191102856163228,"num_words":89,"start":779.74005,"end":807.0},{"sentences":[{"text":"So don't worry about signing or anything today there, Sean, and we'll get that one sorted.","start":807.0,"end":812.22003,"sentiment":"neutral","sentiment_score":0.12510038609616458},{"text":"Apologies for the the mix up there.","start":812.28,"end":814.38,"sentiment":"neutral","sentiment_score":-0.04673729517630169},{"text":"It just seems like they've selected the one over, so that's more than fine.","start":815.97504,"end":820.075,"sentiment":"neutral","sentiment_score":0.27965125547988073},{"text":"But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth.","start":820.455,"end":831.515,"sentiment":"neutral","sentiment_score":0.3102040831531797},{"text":"You just won't have any manager risk with that.","start":831.54,"end":834.27997,"sentiment":"positive","sentiment_score":0.35894489453898537}],"sentiment":"neutral","sentiment_score":0.24292851418808656,"num_words":81,"start":807.0,"end":834.27997},{"sentences":[{"text":"It'll be a nice passive approach there.","start":834.42,"end":836.6,"sentiment":"positive","sentiment_score":0.46978428959846497},{"text":"Now, obviously, in regards to the tables there as well, I'll just get them to check all that and make sure that is all correct before saying that out.","start":839.06,"end":844.89996,"sentiment":"neutral","sentiment_score":0.09668404159360919},{"text":"But, obviously, it'll illustrate there in regards to that how that might look over sort of yep.","start":844.89996,"end":855.33496,"sentiment":"neutral","sentiment_score":-0.002374819808584802},{"text":"Yep.","start":857.555,"end":858.055,"sentiment":"neutral","sentiment_score":0.02242758870124817},{"text":"So when you do see that when it it does get adjusted there, so obviously that's the the wrong buy sell spread.","start":863.89,"end":869.97003,"sentiment":"neutral","sentiment_score":-0.16340708190744574}],"sentiment":"neutral","sentiment_score":0.032624040570992385,"num_words":76,"start":834.42,"end":869.97003},{"sentences":[{"text":"On the the left hand side, you'll be able to see your actual portfolios.","start":869.97003,"end":873.09,"sentiment":"neutral","sentiment_score":0.01992435540471758},{"text":"You currently, you have 40% in the BetaShares Australian two hundred.","start":873.09,"end":876.235,"sentiment":"neutral","sentiment_score":0.030824207108129154},{"text":"And what they'll, yeah, what they'll illustrate is what what you'd be selling out of that versus what you'd be buying into on the right hand side to show you what the balances would be.","start":876.375,"end":886.555,"sentiment":"neutral","sentiment_score":0.03701163688341954},{"text":"So on the right hand columns, you'd see, like, sold at seven.","start":887.12,"end":890.74,"sentiment":"neutral","sentiment_score":0.04650175618007779},{"text":"Yeah.","start":891.12,"end":891.44,"sentiment":"neutral","sentiment_score":0.08320282399654388}],"sentiment":"neutral","sentiment_score":0.034995047163460656,"num_words":73,"start":869.97003,"end":891.44},{"sentences":[{"text":"That's what it would be with the buys and sells, and it shows you in the red what would be selling down to purchase those other assets for the diversification.","start":891.44,"end":898.9,"sentiment":"neutral","sentiment_score":0.05446384226282438},{"text":"Now yeah.","start":899.76,"end":907.565,"sentiment":"neutral","sentiment_score":0.03861388564109802},{"text":"And if you see the target waiting, some go to zero, but obviously, it's a different portfolio there.","start":907.565,"end":912.70496,"sentiment":"neutral","sentiment_score":0.0026298227926923167},{"text":"So, yeah, minus the $180 there.","start":918.05,"end":922.31,"sentiment":"neutral","sentiment_score":-0.014895854828258356},{"text":"Yeah.","start":929.265,"end":929.58496,"sentiment":"neutral","sentiment_score":-0.0507349893450737}],"sentiment":"neutral","sentiment_score":0.02839245142317132,"num_words":57,"start":891.44,"end":929.58496},{"sentences":[{"text":"So obviously, that's the the wrong portfolio.","start":929.58496,"end":931.58496,"sentiment":"neutral","sentiment_score":-0.2852470725774765},{"text":"So I'll get them to update that for you.","start":931.58496,"end":933.445,"sentiment":"neutral","sentiment_score":0.013458224634329477},{"text":"And then and then you'll be able to see the actual changes so you can have a look at that, make sure you're happy with that one.","start":933.825,"end":938.96497,"sentiment":"neutral","sentiment_score":0.27777397135893506},{"text":"And then yeah.","start":939.265,"end":943.32,"sentiment":"neutral","sentiment_score":0.05357098455230395},{"text":"And on that right hand side, you'll be able to see the percentages for each different one.","start":943.32,"end":946.86005,"sentiment":"neutral","sentiment_score":0.10150213934042875}],"sentiment":"neutral","sentiment_score":0.11921493750479487,"num_words":63,"start":929.58496,"end":946.86005},{"sentences":[{"text":"So within regards to that, I can let you know what the actual portfolio there should be for you.","start":947.48004,"end":952.84,"sentiment":"neutral","sentiment_score":0.21133435478335932},{"text":"So you have 6% in this cybersecurity, 9% in the iShares Europe, and you'd have 5% in the Japan region still, and then you'd have 8% in the Vanguard all world US.","start":952.84,"end":965.245,"sentiment":"neutral","sentiment_score":0.1524561606347561},{"text":"You'd still have a key portion in the S and P 500 at 35.","start":965.245,"end":965.4583,"sentiment":"neutral","sentiment_score":0.15618123699511802},{"text":"BetaShares would still have 25% as opposed to the 40, so a little bit of a reduction there.","start":965.4583,"end":974.42,"sentiment":"neutral","sentiment_score":-0.009793592461695274},{"text":"And then 7% in gold and then 5% in Europe defensive iShares composite bond.","start":974.63995,"end":979.695,"sentiment":"neutral","sentiment_score":0.09063416639608997}],"sentiment":"neutral","sentiment_score":0.12549567901404554,"num_words":97,"start":947.48004,"end":979.695},{"sentences":[{"text":"So within yeah.","start":994.75,"end":1002.59,"sentiment":"neutral","sentiment_score":-0.09340405836701393},{"text":"It's like one of those negatively correlated sort of assets, and it can be it's because it's an alternative.","start":1002.59,"end":1007.555,"sentiment":"neutral","sentiment_score":-0.15217723756244309},{"text":"It can be suited like a growth asset or a defensive asset depending on what's going on in, like, the world.","start":1007.615,"end":1012.895,"sentiment":"neutral","sentiment_score":0.03433753585531598},{"text":"Obviously, within the way the the economy's been the past few years, gold's taking quite a bit of a jump just purely for the fact that everything is going on.","start":1012.895,"end":1019.455,"sentiment":"neutral","sentiment_score":0.004850384944196169},{"text":"People go back to that harder currency.","start":1019.455,"end":1021.11,"sentiment":"neutral","sentiment_score":-0.0010962837508746556}],"sentiment":"neutral","sentiment_score":-0.02890817342195078,"num_words":80,"start":994.75,"end":1021.11},{"sentences":[{"text":"But, generally, it's more of just, like, you know, holding things like cash and fixed interest.","start":1022.07,"end":1026.3099,"sentiment":"neutral","sentiment_score":0.024416521191596985},{"text":"It generally gets you know, holds its value, goes up slowly over time, bit higher than the cash rate, and that's sort of still how it's viewed, but a bit more of a growth asset at the moment, and that's how they sort of allocated it with everything going on.","start":1026.3099,"end":1039.045,"sentiment":"neutral","sentiment_score":0.12014753786206711},{"text":"But, obviously, you don't wanna be overweight in anything too much, specifically when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies.","start":1039.185,"end":1048.9651,"sentiment":"neutral","sentiment_score":-0.1277077405658715},{"text":"Gold's just gold at the end of the day.","start":1049.49,"end":1051.09,"sentiment":"neutral","sentiment_score":0.11242692172527313},{"text":"It's purely linked to what the price of gold's doing.","start":1051.09,"end":1053.67,"sentiment":"neutral","sentiment_score":0.052463099360466}],"sentiment":"neutral","sentiment_score":0.03018866674001172,"num_words":119,"start":1022.07,"end":1053.67},{"sentences":[{"text":"Perfect.","start":1057.65,"end":1058.15,"sentiment":"positive","sentiment_score":0.6767956614494324},{"text":"And then if you do go down over to the projection table of what the things will cost within regards to that one, I believe that table is correct in terms of the fees and the change in the growth.","start":1059.5701,"end":1074.77,"sentiment":"neutral","sentiment_score":0.1535095764324069},{"text":"So, obviously, when you look at the growth over the past five years, it is slightly less, and that's purely because the a 200 did, like, quite well over that period.","start":1074.77,"end":1082.69,"sentiment":"neutral","sentiment_score":-0.04059295668717353},{"text":"But what you're doing is you might, like, lose out on a little bit of growth if a 200 was too fantastic.","start":1082.69,"end":1088.63,"sentiment":"negative","sentiment_score":-0.3880945003845475},{"text":"But if the same sense, if you get 40% in an asset and it takes a bit of a dip, then obviously, that can really negatively hurt your portfolio, which is why we went to a bit more diversification as opposed to what you you currently got there.","start":1088.69,"end":1101.87,"sentiment":"negative","sentiment_score":-0.3611231554920475}],"sentiment":"neutral","sentiment_score":-0.1430506578213732,"num_words":142,"start":1057.65,"end":1101.87},{"sentences":[{"text":"Yep.","start":1104.75,"end":1105.25,"sentiment":"neutral","sentiment_score":0.12463190406560898},{"text":"And then within regards to the insurances and the new insurance recommendation, the premium will be a lot lower, which will save on those fees moving forward, which will help go towards investing more.","start":1105.3099,"end":1116.195,"sentiment":"neutral","sentiment_score":0.3125341030604699},{"text":"Yeah.","start":1117.5549,"end":1118.0349,"sentiment":"neutral","sentiment_score":0.14151987433433533},{"text":"So you can see the insurance premiums there dropped quite dramatically with the recommended.","start":1118.0349,"end":1121.735,"sentiment":"neutral","sentiment_score":0.16364401366029466},{"text":"Yep.","start":1123.315,"end":1123.715,"sentiment":"neutral","sentiment_score":0.15741048753261566}],"sentiment":"neutral","sentiment_score":0.2615830972790718,"num_words":51,"start":1104.75,"end":1123.715},{"sentences":[{"text":"So that will go towards each year just going towards being invested.","start":1123.715,"end":1126.755,"sentiment":"neutral","sentiment_score":0.28487320492664975},{"text":"Obviously, insurance premiums do go up a little bit each year.","start":1126.755,"end":1129.5,"sentiment":"neutral","sentiment_score":0.059043278071013366},{"text":"But in saying that rewriting there, we can get them back down a little bit.","start":1131.42,"end":1134.38,"sentiment":"neutral","sentiment_score":-0.04884807765483856},{"text":"You'd have the same exclusions or loadings you should potentially on your current policy anyway.","start":1134.38,"end":1138.88,"sentiment":"neutral","sentiment_score":-0.07951012402772903},{"text":"Give it that how far back those conditions date.","start":1139.58,"end":1142.8,"sentiment":"neutral","sentiment_score":0.023902574347125158}],"sentiment":"neutral","sentiment_score":0.03802749454494445,"num_words":62,"start":1123.715,"end":1142.8},{"sentences":[{"text":"And then with that, you'd just be paying that lower cost for even with the the Neos there, even though they aren't currently excluded on the policy, if the Neos was to find out that those predate the policy anyway, they could deny a claim, or they could just cancel your insurance totally anyway if it was in regards to any sort of mental health or that shoulder injury as well with the pins in there just from that.","start":1143.385,"end":1165.34,"sentiment":"neutral","sentiment_score":-0.10158661264879039},{"text":"And then you'll be paying a lot less anyway for a comparable policy.","start":1166.2799,"end":1169.58,"sentiment":"neutral","sentiment_score":-0.014461869517197976},{"text":"So if you did go down to page 18 there, you can see the policy you're recommending is 350,000 of life and total permanent disability, and it works out to be around a thousand dollars per annum after the 15% rebate in super.","start":1171.935,"end":1185.3151,"sentiment":"neutral","sentiment_score":0.17296721301106519},{"text":"It is slightly less than the cover you have currently, but your debts are also slightly less a little bit as well.","start":1185.39,"end":1195.49,"sentiment":"neutral","sentiment_score":-0.030895522541620514},{"text":"Yeah.","start":1206.845,"end":1207.0851,"sentiment":"neutral","sentiment_score":-0.02031868696212769}],"sentiment":"neutral","sentiment_score":-0.00934035902772146,"num_words":158,"start":1143.385,"end":1207.0851},{"sentences":[{"text":"Yeah.","start":1207.0851,"end":1207.405,"sentiment":"neutral","sentiment_score":-0.013306258246302605},{"text":"And that's more so just a little bit more in the sense that if you were totally or permanently disabled and couldn't work, you've got an extra 100 and 50,000 could go towards 50, like, living expenses and things like that and having that invested, which is why it's a little bit more.","start":1207.405,"end":1220.76,"sentiment":"neutral","sentiment_score":-0.0415636270816596},{"text":"As I said there over the next page on page 20, you'd be able to see that the exclusion that will apply the mental health, the left shoulder exclusion, and the 50% loading for the sleep apnea, but that could be just standard rates depending on how you get assessed on that as well, which is fine because yeah.","start":1221.0599,"end":1247.01,"sentiment":"neutral","sentiment_score":0.03380007948529101},{"text":"Yeah.","start":1251.165,"end":1251.5651,"sentiment":"neutral","sentiment_score":-0.09608619660139084},{"text":"And that's the thing too.","start":1251.5651,"end":1253.245,"sentiment":"neutral","sentiment_score":-0.10713778734207154}],"sentiment":"neutral","sentiment_score":-0.007174360817259162,"num_words":119,"start":1207.0851,"end":1253.245},{"sentences":[{"text":"Like, it's purely because, like, I know people that have said they're a little bit stressed at work and get a mental health exclusion.","start":1253.245,"end":1258.045,"sentiment":"neutral","sentiment_score":-0.32456465996801853},{"text":"It doesn't mean you're gonna stop working.","start":1258.045,"end":1259.8251,"sentiment":"neutral","sentiment_score":-0.22087423929146358},{"text":"Given that you've taken the medication, it's fun.","start":1260.2051,"end":1262.365,"sentiment":"neutral","sentiment_score":0.18741766922175884},{"text":"And given that your your shoulder occurred so long ago, it wouldn't regularly be an issue.","start":1262.365,"end":1267.74,"sentiment":"neutral","sentiment_score":-0.051626753294840455},{"text":"But anytime you have any sort of foreign material, like, any sort of pins or plates or things like that, there is a chance later down the track that they may need to be removed or changed and things like that, which is why they always exclude them when there's foreign material sort of in there.","start":1267.74,"end":1282.205,"sentiment":"neutral","sentiment_score":-0.24137667140790395}],"sentiment":"neutral","sentiment_score":-0.1998148811897179,"num_words":111,"start":1253.245,"end":1282.205},{"sentences":[{"text":"Perfect.","start":1284.9049,"end":1285.4049,"sentiment":"positive","sentiment_score":0.3659353256225586},{"text":"So, yeah, when we did all the I know you remember probably a few of those conversations we have with the back and forth and reviewing everything.","start":1286.105,"end":1291.7849,"sentiment":"neutral","sentiment_score":0.09451664860049884},{"text":"Obviously, you're keeping the IP policy that is quite expensive, but it is quite comparable.","start":1291.7849,"end":1295.7001,"sentiment":"neutral","sentiment_score":0.1094389334321022},{"text":"It is a really comprehensive policy for how long you've held it, the benefits you do get with that, and you have claimed on a few times there in the past as well.","start":1297.12,"end":1304.16,"sentiment":"positive","sentiment_score":0.3524471625234141},{"text":"So looking at keeping that in the the meantime.","start":1304.16,"end":1307.06,"sentiment":"neutral","sentiment_score":0.017481190255946584}],"sentiment":"neutral","sentiment_score":0.19232418723404407,"num_words":85,"start":1284.9049,"end":1307.06},{"sentences":[{"text":"Yeah.","start":1329.05,"end":1329.55,"sentiment":"neutral","sentiment_score":-0.2176598608493805},{"text":"Yep.","start":1334.585,"end":1335.085,"sentiment":"neutral","sentiment_score":-0.10493314266204834},{"text":"Yeah.","start":1345.9601,"end":1346.2001,"sentiment":"neutral","sentiment_score":0.0484316311776638},{"text":"And then when you do get to that point, we can obviously look at what cover is available.","start":1346.2001,"end":1349.66,"sentiment":"neutral","sentiment_score":0.023760212688810296},{"text":"Obviously, it's a little harder given that you have, like, claimed on some form of IP in the past as well, but you might still be able to get some form of policy that gives you some form of protection or look to being a bit more self insured.","start":1349.8,"end":1360.0751,"sentiment":"neutral","sentiment_score":0.0550157898010648}],"sentiment":"neutral","sentiment_score":0.04070423080452851,"num_words":70,"start":1329.05,"end":1360.0751},{"sentences":[{"text":"And just as you said, you don't have too much debt.","start":1360.615,"end":1362.4551,"sentiment":"neutral","sentiment_score":0.0797852182930166},{"text":"So looking at paying that a bit off a bit quicker or trying to put that into some form of savings account or things like that to self insure because, you know, it is quite a yeah.","start":1362.4551,"end":1372.59,"sentiment":"neutral","sentiment_score":0.07446612508313076},{"text":"It is quite a decent amount of month that you could be putting, like, into some form of, like, investment to self insure.","start":1372.59,"end":1377.7101,"sentiment":"neutral","sentiment_score":0.04305003988354102},{"text":"But, obviously, the benefit is is if you really do get injured, it pays all the way longer than sort of that savings would last if Yeah.","start":1377.7101,"end":1392.0425,"sentiment":"neutral","sentiment_score":-0.12431182622633598},{"text":"Yep.","start":1401.39,"end":1401.55,"sentiment":"neutral","sentiment_score":0.22788111865520477}],"sentiment":"neutral","sentiment_score":0.01509592684004644,"num_words":99,"start":1360.615,"end":1401.55},{"sentences":[{"text":"No problem.","start":1401.55,"end":1402.03,"sentiment":"neutral","sentiment_score":0.3014683574438095},{"text":"Just the next annual review, we can obviously review it again and see how you feel about it then as well.","start":1402.03,"end":1406.2101,"sentiment":"neutral","sentiment_score":0.23308723277988888},{"text":"Okay.","start":1407.63,"end":1408.13,"sentiment":"neutral","sentiment_score":0.18033216893672943},{"text":"Yeah.","start":1408.8301,"end":1409.0701,"sentiment":"neutral","sentiment_score":0.16151154041290283},{"text":"And then obviously, in regards to, like, the life in TPD, there's no reason to keep the Neos policy given that, like, everything that you we've disclosed or you disclosed should have potentially been on the policy.","start":1409.0701,"end":1419.645,"sentiment":"neutral","sentiment_score":0.015026418945273838}],"sentiment":"neutral","sentiment_score":0.10315467441274274,"num_words":62,"start":1401.55,"end":1419.645},{"sentences":[{"text":"So there's no reason we shouldn't rewrite.","start":1419.645,"end":1421.265,"sentiment":"neutral","sentiment_score":0.0016849059611558914},{"text":"It'll apply anyway.","start":1421.7251,"end":1422.925,"sentiment":"neutral","sentiment_score":0.14855560660362244},{"text":"So some things that would be not on a new policy or on it not on the current policy, but on a new policy, then we might look at keeping, but there's no real reason to maintain what you've got currently.","start":1422.925,"end":1432.92,"sentiment":"neutral","sentiment_score":-0.037357313755353797},{"text":"And then in regards to, like, obviously, there is a needs analysis there to show you sort of what was required in terms of your debt, which covers that more than with the policy as well.","start":1434.8201,"end":1443.9349,"sentiment":"neutral","sentiment_score":0.06955003376222318},{"text":"Obviously, the benefit is that one is like that insurance we're recommending to is paid out of super, so that helps the out of pocket cost there as well.","start":1444.875,"end":1451.775,"sentiment":"positive","sentiment_score":0.48568641420068415}],"sentiment":"neutral","sentiment_score":0.13374584935197695,"num_words":116,"start":1419.645,"end":1451.775},{"sentences":[{"text":"And then with that, Ascender did give the most favorable underwriting terms.","start":1451.835,"end":1455.835,"sentiment":"positive","sentiment_score":0.4504079148173332},{"text":"And then with the buybacks and links and everything like that, you still have a comprehensive policy for that life and total permanent disability if anything was to happen.","start":1455.835,"end":1463.8099,"sentiment":"positive","sentiment_score":0.4238989779661442},{"text":"I think, obviously, the risk is is obviously you still gotta meet the definitions of the claim if anything were to happen outlined in the PDFs that we do provide.","start":1466.19,"end":1473.395,"sentiment":"neutral","sentiment_score":-0.026995516816775002},{"text":"Obviously, we'll update this document and send it, and you'll be able to read through all of that as well.","start":1473.395,"end":1477.3151,"sentiment":"neutral","sentiment_score":0.1817888867110014},{"text":"There is a quote there as well to show you illustrate what that looks like in terms of, like, the cost premium plus that is with the loading.","start":1477.3151,"end":1485.56,"sentiment":"neutral","sentiment_score":0.045691214102719514}],"sentiment":"neutral","sentiment_score":0.1832204333060429,"num_words":119,"start":1451.835,"end":1485.56},{"sentences":[{"text":"So if you don't get the loading, it will be slightly less than that as well.","start":1485.56,"end":1488.54,"sentiment":"neutral","sentiment_score":-0.13201916636899114},{"text":"And then we also considered rewriting the IP, but, obviously, we're keeping that at the moment, group insurances, level premiums, things like that as well.","start":1489.56,"end":1496.52,"sentiment":"neutral","sentiment_score":-0.0022169923642650245},{"text":"But all of those came at a lot higher cost there as well.","start":1496.52,"end":1500.195,"sentiment":"neutral","sentiment_score":-0.26798588266739476},{"text":"And then with the other insurers, some of them didn't come back as with some favorable terms.","start":1500.5149,"end":1504.695,"sentiment":"neutral","sentiment_score":-0.09817365228253253},{"text":"But do you have any questions in regards to those insurances or the?","start":1511.715,"end":1516.1349,"sentiment":"neutral","sentiment_score":0.025010250365504853}],"sentiment":"neutral","sentiment_score":-0.08327817594926316,"num_words":84,"start":1485.56,"end":1516.1349},{"sentences":[{"text":"Yep.","start":1519.37,"end":1519.8501,"sentiment":"neutral","sentiment_score":0.14033231139183044},{"text":"Obviously, in regards to the fee, it's still the 1.65%, and then it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy.","start":1519.8501,"end":1532.505,"sentiment":"neutral","sentiment_score":0.05874480662475291},{"text":"That's not an additional cost you pay.","start":1532.505,"end":1534.025,"sentiment":"neutral","sentiment_score":0.14357346828494752},{"text":"That's what the insurer pays us out of what you pay to them as a premium.","start":1534.025,"end":1537.5651,"sentiment":"neutral","sentiment_score":0.15324072865769267},{"text":"And then that one, yeah, we just have to disclose it.","start":1537.785,"end":1541.52,"sentiment":"neutral","sentiment_score":0.03843571398068558}],"sentiment":"neutral","sentiment_score":0.08564785963613285,"num_words":73,"start":1519.37,"end":1541.52},{"sentences":[{"text":"Yeah.","start":1550.88,"end":1551.2001,"sentiment":"neutral","sentiment_score":0.2059047818183899},{"text":"Well, in regards to, like, the document, obviously, we'll get updates.","start":1551.2001,"end":1554.8,"sentiment":"neutral","sentiment_score":0.10754318535327911},{"text":"Don't worry about signing it there.","start":1554.8,"end":1555.76,"sentiment":"neutral","sentiment_score":0.08805717900395393},{"text":"If you were to sign, basically, they'd get the the trade implemented to update the investments.","start":1555.76,"end":1562.1749,"sentiment":"neutral","sentiment_score":0.1369777754880488},{"text":"And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you.","start":1562.475,"end":1568.3949,"sentiment":"neutral","sentiment_score":0.20678093612194062}],"sentiment":"neutral","sentiment_score":0.15726085941670304,"num_words":59,"start":1550.88,"end":1568.3949},{"sentences":[{"text":"And then we'd still just maintain that Neos policy in the meantime until time we got the new cover just in case anything else came up.","start":1568.3949,"end":1574.67,"sentiment":"neutral","sentiment_score":0.1452134678570124},{"text":"Not a problem at all, Sean.","start":1576.97,"end":1578.01,"sentiment":"neutral","sentiment_score":0.30997370680173236},{"text":"Do you have any questions in regards to to anything while you've got me there?","start":1578.01,"end":1581.23,"sentiment":"neutral","sentiment_score":0.10590154280265172},{"text":"Yep.","start":1587.145,"end":1587.645,"sentiment":"neutral","sentiment_score":-0.016283180564641953},{"text":"No.","start":1593.065,"end":1593.385,"sentiment":"neutral","sentiment_score":-0.1158089116215706}],"sentiment":"neutral","sentiment_score":0.14473109091727102,"num_words":49,"start":1568.3949,"end":1593.385},{"sentences":[{"text":"We'll get that all updated with the the actual document there because as I said, that's just that trade section there is just incorrect there.","start":1593.385,"end":1601.76,"sentiment":"neutral","sentiment_score":-0.14430322200059892},{"text":"So we'll get that sorted there, and we'll get that resend out to you.","start":1601.76,"end":1604.7999,"sentiment":"neutral","sentiment_score":-0.007285738230815956},{"text":"And then you can just have a review through it if you want, have a look at it.","start":1604.7999,"end":1607.36,"sentiment":"neutral","sentiment_score":0.17362548576460946},{"text":"You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get a chance.","start":1607.36,"end":1612.8151,"sentiment":"neutral","sentiment_score":0.1906266140823181},{"text":"And then, yeah, come back with any questions you do have once we sort of send through that.","start":1613.355,"end":1616.795,"sentiment":"neutral","sentiment_score":0.18705034711294705}],"sentiment":"neutral","sentiment_score":0.07662253537316724,"num_words":101,"start":1593.385,"end":1616.795},{"sentences":[{"text":"But they'll say it'd be in the next sort of twenty minutes.","start":1616.795,"end":1618.9551,"sentiment":"neutral","sentiment_score":0.018058282944063347},{"text":"They'll just change over that table and get it sent back out to you.","start":1618.9551,"end":1621.62,"sentiment":"neutral","sentiment_score":0.09202956434871469},{"text":"Not a problem at all, Sean.","start":1629.0599,"end":1630.1,"sentiment":"positive","sentiment_score":0.46015165746212006},{"text":"Well, if you don't have any other questions for me, I'll let you get back to it, and then, yeah, just reach out if you do have any questions regarding that.","start":1630.1,"end":1635.7108,"sentiment":"neutral","sentiment_score":0.2130959750183167},{"text":"Too easy, mate.","start":1637.7908,"end":1638.5109,"sentiment":"positive","sentiment_score":0.7736820975939432}],"sentiment":"neutral","sentiment_score":0.19989461756565355,"num_words":66,"start":1616.795,"end":1638.5109},{"sentences":[{"text":"Have a good afternoon.","start":1638.5109,"end":1639.2308,"sentiment":"positive","sentiment_score":0.7383980453014374},{"text":"Thanks for your time.","start":1639.2308,"end":1640.2108,"sentiment":"positive","sentiment_score":0.7757085561752319},{"text":"Thanks.","start":1641.2308,"end":1641.6309,"sentiment":"positive","sentiment_score":0.6685221195220947},{"text":"Bye.","start":1641.6309,"end":1642.1309,"sentiment":"positive","sentiment_score":0.44805464148521423}],"sentiment":"positive","sentiment_score":0.7173003166913986,"num_words":10,"start":1638.5109,"end":1642.1309}]}}]},{"alternatives":[{"transcript":"Hello? Oh, good. Thanks. Sean Aiser. 20 35th 761 Coolbar Court, Highfields. Yep. No. No. Everything's still the same. That's the one? No. No. I'm good. I'm pretty well finished for the day. So I've got plenty of time now. Let me put you on a break. Bring up emails. No. It didn't come up yet. Yeah. That's still nothing. It's probably a big file, so it's probably taking a little bit to download. Yeah. That's right. I'll just keep refreshing until it pops up. Just just giving my car a bit of a a detail before the Easter weekend. Yeah. It's Pretty good at the moment. Haven't don't think there's any plans for any rain around us at the moment or not for the next week anyway. Yeah. It should be. Here we go. Got it. Here we go. Let me ask that. Okay. Yep. I got it. Statement of advice. Okay. Hit that link there. Open that one up. How are the stock markets traveling after Donald Trump invasion? Yep. Yep. Yep. Yep. No. I understand that. Yep. Yep. Not that seems good. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. But, yeah, I do use a machine. Yeah. Oh, well, I don't have any issues with it. I don't know. Yep. Yep. Yep. Yep. That is fair enough. Yep. Yep. Yep. Not at all. Yep. Yep. Yep. Okay. Got it. Yep. Fine. Going good. K. No. No. That's pretty good. Yep. Okay. Yep. Yep. Yep. Alright. Okay. Looking at the table on page page 13. Yep. Yeah. Right. Okay. Yep. Yep. Yep. Okay. Yep. Excellent. Hi, drivers. Yay. Yep. Okay. Yep. So look, just quick just quickly looking at the table where it's got Better Stares Australia 200, and then it's got current balance of 45, and it says buy sell minus 34,000. What's that mean? Yep. I see that. Yep. Yep. Target balance. Yep. Alright. Okay. So the black is what we're gonna be buying, and the red is what we're selling to buy the stuff in the black in the buy, sell column. Yep. Yep. No. I understand it. Right. Okay. And that did and right at the bottom is the total I've got in super at the moment. The total total. Yeah. Yeah. Yep. Okay. Cool. That's right. I'm on the same page with you now. Now I'm making sure I know what I'm looking at. Yep. No. Yeah. That's all. Next time I look at it, I'll know what I'm looking at. I'll know exactly what it means. Yeah. Yes. Not yet. Yep. Yep. So gold's gold is just a a stable you know, it's not there's no future plans with the wall that the gold in the foreseeable future is gonna, you know, jump dramatically? Or is it just always a regular, constant, slow growth? Because gold always seems to go up when there's a wall. Yep. Yep. Yep. Yep. Yep. Nope. No. Yep. Yep. Yep. No. I understand that. That's alright. Cool. Yep. Yep. Okay. Thirteen 13. Sure. Premiums. Yep. Yeah. 3,000 off. Yep. They sent me those. Yep. Wrong thing. Yep. Yep. Yep. Yep. Okay. Yep. Yep. I'm looking at that now. Yep. My debts my debts are a lot less now. My my debts are actually just under well, around the $200,000 mark is all I got left Debt wise, so 350 more than more than covers it. You know? Yep. That's right. Yep. Yep. Yep. That's fine. Yeah. That's fine. I don't I have no issues with this shoulder. It's never given me any issues. I've got good movement, mental health. I don't have any mental health issues. So, yeah, look, they're gonna have problem with that. I can't see it causing any issues. But I've got it. Yep. Yeah. Yeah. I'm I have still got it. Yeah. I've still got it going even though it's cost me bloody $400 a month. You know, I am getting older. So if I do have any medical issues or or whatever happens, you know, I know I can I can lean on that? And I know it's pretty well I put a claim in, and they just start paying it without any me proving or doing anything pretty much. Give them a doctor certificate, and they just start paying out. So we'll see what happens. Unless they turn around, you know, because they're trying to force me out of it. That's why they've been jacking up the prices. Next year, they might jack it up to $600 a month or a thousand dollars a month. Well, then it's gonna get to a point where I just can't afford it anymore. But in the meantime, I'll I'll roll with it, and we'll see how we go down the track. Yeah. Yeah. Well, that's right. You know? Yeah. It is a bit of money. Yep. No. That's right. Yep. No. I understand. Yeah. Yeah. So at the moment, I can afford to pay it even though it's $400 a month. It's pretty well more than my mortgage or thereabouts, but, you know, comfortably afford to pay it. So I'll just keep it rolling for now, and we'll see what the future holds. Yeah. That's right. Yeah. Yep. Right. Yep. Yep. Yep. Yep. Yep. Alright. That's fine. Nah. Nah. It's pretty straightforward. Yep. Yep. Yep. No. That's why I'm reading that now, the remuneration and the ongoing percentage and fees. Yeah. I'm looking at that now. Yep. That's fine. Yep. Yep. Right. No. I think it's pretty straightforward. Sorry. By the sign issue, send me another email with the documents to sign with the update, and then I'll then I'll click on that to sign and then sign them. So you don't want me to sign this one you've sent me. Yep. Yep. Yeah. That's fine. No dramas at all. I'll have a look over it quickly, and then I'll then I'll sign up. But, yeah, everything else seems pretty good. Beautiful. No problem at all. Alright. Cheers. Thank you. You too. Thank you. 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Oh, good. Thanks. Sean Aiser. 20 35th 761 Coolbar Court, Highfields.\n\nYep. No. No. Everything's still the same. That's the one?\n\nNo. No. I'm good. I'm pretty well finished for the day. So I've got plenty of time now.\n\nLet me put you on a break. Bring up emails. No. It didn't come up yet. Yeah.\n\nThat's still nothing. It's probably a big file, so it's probably taking a little bit to download. Yeah. That's right. I'll just keep refreshing until it pops up.\n\nJust just giving my car a bit of a a detail before the Easter weekend. Yeah. It's Pretty good at the moment. Haven't don't think there's any plans for any rain around us at the moment or not for the next week anyway. Yeah.\n\nIt should be. Here we go. Got it. Here we go. Let me ask that.\n\nOkay. Yep. I got it. Statement of advice. Okay.\n\nHit that link there. Open that one up. How are the stock markets traveling after Donald Trump invasion? Yep. Yep.\n\nYep. Yep. No. I understand that. Yep.\n\nYep. Not that seems good. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nBut, yeah, I do use a machine. Yeah. Oh, well, I don't have any issues with it. I don't know. Yep.\n\nYep. Yep. Yep. That is fair enough. Yep.\n\nYep. Yep. Not at all. Yep. Yep.\n\nYep. Okay. Got it. Yep. Fine.\n\nGoing good. K. No. No. That's pretty good.\n\nYep. Okay. Yep. Yep. Yep.\n\nAlright. Okay. Looking at the table on page page 13. Yep. Yeah.\n\nRight. Okay. Yep. Yep. Yep.\n\nOkay. Yep. Excellent. Hi, drivers. Yay.\n\nYep. Okay. Yep. So look, just quick just quickly looking at the table where it's got Better Stares Australia 200, and then it's got current balance of 45, and it says buy sell minus 34,000. What's that mean?\n\nYep. I see that. Yep. Yep. Target balance.\n\nYep. Alright. Okay. So the black is what we're gonna be buying, and the red is what we're selling to buy the stuff in the black in the buy, sell column. Yep.\n\nYep. No. I understand it. Right. Okay.\n\nAnd that did and right at the bottom is the total I've got in super at the moment. The total total. Yeah. Yeah. Yep.\n\nOkay. Cool. That's right. I'm on the same page with you now. Now I'm making sure I know what I'm looking at.\n\nYep. No. Yeah. That's all. Next time I look at it, I'll know what I'm looking at.\n\nI'll know exactly what it means. Yeah. Yes. Not yet. Yep.\n\nYep. So gold's gold is just a a stable you know, it's not there's no future plans with the wall that the gold in the foreseeable future is gonna, you know, jump dramatically? Or is it just always a regular, constant, slow growth? Because gold always seems to go up when there's a wall. Yep.\n\nYep. Yep. Yep. Yep. Nope.\n\nNo. Yep. Yep. Yep. No.\n\nI understand that. That's alright. Cool. Yep. Yep.\n\nOkay. Thirteen 13. Sure. Premiums. Yep.\n\nYeah. 3,000 off. Yep. They sent me those. Yep.\n\nWrong thing. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. I'm looking at that now. Yep.\n\nMy debts my debts are a lot less now. My my debts are actually just under well, around the $200,000 mark is all I got left Debt wise, so 350 more than more than covers it. You know? Yep. That's right.\n\nYep. Yep. Yep. That's fine. Yeah.\n\nThat's fine. I don't I have no issues with this shoulder. It's never given me any issues. I've got good movement, mental health. I don't have any mental health issues.\n\nSo, yeah, look, they're gonna have problem with that. I can't see it causing any issues. But I've got it. Yep. Yeah.\n\nYeah. I'm I have still got it. Yeah. I've still got it going even though it's cost me bloody $400 a month. You know, I am getting older.\n\nSo if I do have any medical issues or or whatever happens, you know, I know I can I can lean on that? And I know it's pretty well I put a claim in, and they just start paying it without any me proving or doing anything pretty much. Give them a doctor certificate, and they just start paying out. So we'll see what happens. Unless they turn around, you know, because they're trying to force me out of it.\n\nThat's why they've been jacking up the prices. Next year, they might jack it up to $600 a month or a thousand dollars a month. Well, then it's gonna get to a point where I just can't afford it anymore. But in the meantime, I'll I'll roll with it, and we'll see how we go down the track. Yeah.\n\nYeah. Well, that's right. You know? Yeah. It is a bit of money.\n\nYep. No. That's right. Yep. No.\n\nI understand. Yeah. Yeah. So at the moment, I can afford to pay it even though it's $400 a month. It's pretty well more than my mortgage or thereabouts, but, you know, comfortably afford to pay it.\n\nSo I'll just keep it rolling for now, and we'll see what the future holds. Yeah. That's right. Yeah. Yep.\n\nRight. Yep. Yep. Yep. Yep.\n\nYep. Alright. That's fine. Nah. Nah.\n\nIt's pretty straightforward. Yep. Yep. Yep. No.\n\nThat's why I'm reading that now, the remuneration and the ongoing percentage and fees. Yeah. I'm looking at that now. Yep. That's fine.\n\nYep. Yep. Right. No. I think it's pretty straightforward.\n\nSorry. By the sign issue, send me another email with the documents to sign with the update, and then I'll then I'll click on that to sign and then sign them. So you don't want me to sign this one you've sent me. Yep. Yep.\n\nYeah. That's fine. No dramas at all. I'll have a look over it quickly, and then I'll then I'll sign up. But, yeah, everything else seems pretty good.\n\nBeautiful. No problem at all. Alright. Cheers. Thank you.\n\nYou too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.19552338123321533},{"text":"Oh, good.","start":4.88,"end":5.44,"sentiment":"positive","sentiment_score":0.5148642361164093},{"text":"Thanks.","start":5.44,"end":5.94,"sentiment":"positive","sentiment_score":0.677438497543335},{"text":"Sean Aiser.","start":19.175,"end":19.975,"sentiment":"neutral","sentiment_score":0.024596717208623886},{"text":"20 35th 761 Coolbar Court, 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month.","start":1307.715,"end":1311.335,"sentiment":"neutral","sentiment_score":-0.15656177433473722},{"text":"You know, I am getting older.","start":1311.395,"end":1312.6749,"sentiment":"neutral","sentiment_score":-0.2575317819913228}],"sentiment":"neutral","sentiment_score":-0.11871810523527009,"num_words":28,"start":1305.075,"end":1312.6749},{"sentences":[{"text":"So if I do have any medical issues or or whatever happens, you know, I know I can I can lean on that?","start":1312.6749,"end":1319.25,"sentiment":"neutral","sentiment_score":-0.2453797459602356},{"text":"And I know it's pretty well I put a claim in, and they just start paying it without any me proving or doing anything pretty much.","start":1320.05,"end":1325.57,"sentiment":"negative","sentiment_score":-0.41616846047914946},{"text":"Give them a doctor certificate, and they just start paying out.","start":1325.57,"end":1328.31,"sentiment":"negative","sentiment_score":-0.34495616771958093},{"text":"So we'll see what happens.","start":1328.45,"end":1329.57,"sentiment":"neutral","sentiment_score":-0.20654159486293794},{"text":"Unless they turn around, you know, because they're trying to force me out of it.","start":1329.57,"end":1332.53,"sentiment":"negative","sentiment_score":-0.5227055291334788}],"sentiment":"negative","sentiment_score":-0.36414903607219457,"num_words":80,"start":1312.6749,"end":1332.53},{"sentences":[{"text":"That's why they've been jacking up the prices.","start":1332.53,"end":1334.23,"sentiment":"negative","sentiment_score":-0.5901094302535057},{"text":"Next year, they might jack it up to $600 a month or a thousand dollars a month.","start":1334.375,"end":1337.5751,"sentiment":"neutral","sentiment_score":-0.1850756972151644},{"text":"Well, then it's gonna get to a point where I just can't afford it anymore.","start":1337.5751,"end":1340.395,"sentiment":"negative","sentiment_score":-0.34562629560629526},{"text":"But in the meantime, I'll I'll roll with it, and we'll see how we go down the track.","start":1340.535,"end":1345.435,"sentiment":"neutral","sentiment_score":0.06668866839673784},{"text":"Yeah.","start":1346.64,"end":1347.14,"sentiment":"neutral","sentiment_score":0.03311026468873024}],"sentiment":"neutral","sentiment_score":-0.2003059395415298,"num_words":59,"start":1332.53,"end":1347.14},{"sentences":[{"text":"Yeah.","start":1353.9225,"end":1354.4225,"sentiment":"neutral","sentiment_score":0.01448500156402588},{"text":"Well, that's right.","start":1370.005,"end":1370.8049,"sentiment":"neutral","sentiment_score":0.12510964274406433},{"text":"You know?","start":1370.8049,"end":1371.465,"sentiment":"neutral","sentiment_score":0.026630347594618797},{"text":"Yeah.","start":1371.765,"end":1372.265,"sentiment":"neutral","sentiment_score":0.0592605359852314},{"text":"It is a bit of money.","start":1372.485,"end":1373.7849,"sentiment":"neutral","sentiment_score":0.08603084956606229}],"sentiment":"neutral","sentiment_score":0.07834771218208167,"num_words":13,"start":1353.9225,"end":1373.7849},{"sentences":[{"text":"Yep.","start":1378.66,"end":1379.16,"sentiment":"neutral","sentiment_score":-0.014368390664458277},{"text":"No.","start":1384.9,"end":1385.14,"sentiment":"neutral","sentiment_score":-0.17586052417755127},{"text":"That's right.","start":1385.14,"end":1385.78,"sentiment":"neutral","sentiment_score":-0.1002795360982418},{"text":"Yep.","start":1385.78,"end":1386.18,"sentiment":"neutral","sentiment_score":-0.022458624094724655},{"text":"No.","start":1386.18,"end":1386.26,"sentiment":"neutral","sentiment_score":-0.1606331765651703}],"sentiment":"neutral","sentiment_score":-0.09564663128306468,"num_words":6,"start":1378.66,"end":1386.26},{"sentences":[{"text":"I understand.","start":1386.26,"end":1386.8201,"sentiment":"neutral","sentiment_score":-0.148517444729805},{"text":"Yeah.","start":1386.8201,"end":1387.215,"sentiment":"neutral","sentiment_score":-0.09032616764307022},{"text":"Yeah.","start":1387.215,"end":1387.615,"sentiment":"neutral","sentiment_score":-0.032866284251213074},{"text":"So at the moment, I can afford to pay it even though it's $400 a month.","start":1387.615,"end":1391.2949,"sentiment":"neutral","sentiment_score":-0.10593008995056152},{"text":"It's pretty well more than my mortgage or thereabouts, but, you know, comfortably afford to pay it.","start":1391.2949,"end":1397.615,"sentiment":"neutral","sentiment_score":0.09576178868027295}],"sentiment":"neutral","sentiment_score":-0.013166442513465881,"num_words":37,"start":1386.26,"end":1397.615},{"sentences":[{"text":"So I'll just keep it rolling for now, and we'll see what the future holds.","start":1397.615,"end":1400.755,"sentiment":"neutral","sentiment_score":0.20887217571338018},{"text":"Yeah.","start":1405.59,"end":1405.83,"sentiment":"neutral","sentiment_score":0.18742717802524567},{"text":"That's right.","start":1405.83,"end":1406.63,"sentiment":"neutral","sentiment_score":0.2705272287130356},{"text":"Yeah.","start":1406.63,"end":1407.13,"sentiment":"neutral","sentiment_score":0.2043803334236145},{"text":"Yep.","start":1433.47,"end":1433.7899,"sentiment":"neutral","sentiment_score":0.19775497913360596}],"sentiment":"neutral","sentiment_score":0.213184979185462,"num_words":20,"start":1397.615,"end":1433.7899},{"sentences":[{"text":"Right.","start":1433.7899,"end":1434.2899,"sentiment":"neutral","sentiment_score":0.1923203021287918},{"text":"Yep.","start":1448.195,"end":1448.695,"sentiment":"positive","sentiment_score":0.4375337064266205},{"text":"Yep.","start":1464.4299,"end":1464.9299,"sentiment":"neutral","sentiment_score":0.21719007194042209},{"text":"Yep.","start":1466.59,"end":1467.09,"sentiment":"neutral","sentiment_score":0.06355294585227966},{"text":"Yep.","start":1488.92,"end":1489.42,"sentiment":"neutral","sentiment_score":0.05244361609220505}],"sentiment":"neutral","sentiment_score":0.1926081284880638,"num_words":5,"start":1433.7899,"end":1489.42},{"sentences":[{"text":"Yep.","start":1500.8151,"end":1501.3151,"sentiment":"neutral","sentiment_score":-0.06736882030963898},{"text":"Alright.","start":1505.775,"end":1506.275,"sentiment":"neutral","sentiment_score":0.15272235870361328},{"text":"That's fine.","start":1510.415,"end":1511.3151,"sentiment":"neutral","sentiment_score":0.2817695736885071},{"text":"Nah.","start":1516.4601,"end":1516.7001,"sentiment":"neutral","sentiment_score":0.008813172578811646},{"text":"Nah.","start":1516.7001,"end":1516.9401,"sentiment":"neutral","sentiment_score":0.04019162058830261}],"sentiment":"neutral","sentiment_score":0.11631624648968379,"num_words":6,"start":1500.8151,"end":1516.9401},{"sentences":[{"text":"It's pretty straightforward.","start":1516.9401,"end":1517.92,"sentiment":"neutral","sentiment_score":0.19062436123689017},{"text":"Yep.","start":1524.4601,"end":1524.9601,"sentiment":"neutral","sentiment_score":-0.04752431809902191},{"text":"Yep.","start":1537.9349,"end":1538.4349,"sentiment":"neutral","sentiment_score":0.0719640702009201},{"text":"Yep.","start":1541.75,"end":1542.15,"sentiment":"neutral","sentiment_score":0.0651576966047287},{"text":"No.","start":1542.15,"end":1542.3099,"sentiment":"neutral","sentiment_score":-0.016467725858092308}],"sentiment":"neutral","sentiment_score":0.09214325807988644,"num_words":7,"start":1516.9401,"end":1542.3099},{"sentences":[{"text":"That's why I'm reading that now, the remuneration and the ongoing percentage and fees.","start":1542.3099,"end":1548.47,"sentiment":"neutral","sentiment_score":-0.008490378627487059},{"text":"Yeah.","start":1548.47,"end":1548.63,"sentiment":"neutral","sentiment_score":0.09730096906423567},{"text":"I'm looking at that now.","start":1548.63,"end":1549.6699,"sentiment":"neutral","sentiment_score":0.10533742010593414},{"text":"Yep.","start":1549.6699,"end":1549.91,"sentiment":"neutral","sentiment_score":0.2078145146369934},{"text":"That's fine.","start":1549.91,"end":1550.73,"sentiment":"neutral","sentiment_score":0.32096920907497406}],"sentiment":"neutral","sentiment_score":0.058907639199827354,"num_words":23,"start":1542.3099,"end":1550.73},{"sentences":[{"text":"Yep.","start":1557.475,"end":1557.975,"sentiment":"neutral","sentiment_score":0.11342279613018036},{"text":"Yep.","start":1575.0599,"end":1575.46,"sentiment":"neutral","sentiment_score":0.14071425795555115},{"text":"Right.","start":1575.46,"end":1575.96,"sentiment":"neutral","sentiment_score":0.14737242460250854},{"text":"No.","start":1581.475,"end":1581.875,"sentiment":"neutral","sentiment_score":0.09439660608768465},{"text":"I think it's pretty straightforward.","start":1581.875,"end":1582.995,"sentiment":"neutral","sentiment_score":0.18595141172409058}],"sentiment":"neutral","sentiment_score":0.15840701593293083,"num_words":9,"start":1557.475,"end":1582.995},{"sentences":[{"text":"Sorry.","start":1582.995,"end":1583.315,"sentiment":"neutral","sentiment_score":-0.002736605703830719},{"text":"By the sign issue, send me another email with the documents to sign with the update, and then I'll then I'll click on that to sign and then sign them.","start":1583.315,"end":1590.275,"sentiment":"neutral","sentiment_score":-0.043464303202927115},{"text":"So you don't want me to sign this one you've sent me.","start":1590.275,"end":1592.96,"sentiment":"neutral","sentiment_score":-0.18999885953962803},{"text":"Yep.","start":1598.46,"end":1598.96,"sentiment":"neutral","sentiment_score":-0.12355577945709229},{"text":"Yep.","start":1612.3151,"end":1612.8151,"sentiment":"neutral","sentiment_score":0.1836953163146973}],"sentiment":"neutral","sentiment_score":-0.07836694398687946,"num_words":45,"start":1582.995,"end":1612.8151},{"sentences":[{"text":"Yeah.","start":1621.89,"end":1622.05,"sentiment":"neutral","sentiment_score":0.26029226183891296},{"text":"That's fine.","start":1622.05,"end":1622.6901,"sentiment":"positive","sentiment_score":0.38602302968502045},{"text":"No dramas at all.","start":1622.6901,"end":1623.7301,"sentiment":"neutral","sentiment_score":0.1320507973432541},{"text":"I'll have a look over it quickly, and then I'll then I'll sign up.","start":1623.7301,"end":1626.37,"sentiment":"neutral","sentiment_score":0.2319293756570135},{"text":"But, yeah, everything else seems pretty good.","start":1626.37,"end":1628.31,"sentiment":"positive","sentiment_score":0.6117070146969387}],"sentiment":"neutral","sentiment_score":0.3246250668806689,"num_words":28,"start":1621.89,"end":1628.31},{"sentences":[{"text":"Beautiful.","start":1636.065,"end":1636.565,"sentiment":"positive","sentiment_score":0.7906951904296875},{"text":"No problem at all.","start":1636.705,"end":1637.845,"sentiment":"positive","sentiment_score":0.7448961138725281},{"text":"Alright.","start":1639.345,"end":1639.825,"sentiment":"positive","sentiment_score":0.6621450185775757},{"text":"Cheers.","start":1639.825,"end":1640.1449,"sentiment":"positive","sentiment_score":0.7166654467582703},{"text":"Thank you.","start":1640.1449,"end":1640.5449,"sentiment":"positive","sentiment_score":0.773973822593689}],"sentiment":"positive","sentiment_score":0.7441153062714471,"num_words":9,"start":1636.065,"end":1640.5449},{"sentences":[{"text":"You too.","start":1640.5449,"end":1641.2849,"sentiment":"positive","sentiment_score":0.581897646188736},{"text":"Thank you.","start":1641.9049,"end":1642.465,"sentiment":"positive","sentiment_score":0.6606030166149139},{"text":"Bye.","start":1642.465,"end":1642.965,"sentiment":"neutral","sentiment_score":-0.10516362637281418}],"sentiment":"positive","sentiment_score":0.4759675398468971,"num_words":5,"start":1640.5449,"end":1642.965}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good\n\nChannel 1: Hello?\n\nChannel 0: afternoon, Sean. It's Carl calling from Acute Financial. How are you today?\n\nChannel 1: Oh, good. Thanks.\n\nChannel 0: That's good to hear. I just got you in for your statement of advice presentation. Now is still a good time for you? Not a problem at all. Just to jump into that one today, Sean, if I could just pass through security of that name, date of birth, and current address, we'll get stuck into that today.\n\nChannel 1: Sean Aiser. 20 35th 761 Coolbar Court, Highfields.\n\nChannel 0: Perfect. Thank you for that one. Now just because I know the last time we spoke was just the end of last year there, Sean.\n\nChannel 1: Yep.\n\nChannel 0: Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that? Yeah.\n\nChannel 1: No. No.\n\nChannel 0: Perfect.\n\nChannel 1: Everything's still the same.\n\nChannel 0: Brilliant. So I'll be sending this out there, Sean. I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com.\n\nChannel 1: That's the one?\n\nChannel 0: Perfect. So this is just for your updated statement advice. I'll run through it there with you today. How much time do you sort of have? Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna\n\nChannel 1: No. No.\n\nChannel 0: go a bit\n\nChannel 1: I'm\n\nChannel 0: more into\n\nChannel 1: good.\n\nChannel 0: it?\n\nChannel 1: I'm pretty well finished for the day. So I've got plenty of time now.\n\nChannel 0: Perfect. So that should show up in your inbox there shortly, and then we'll be able to go through that with you.\n\nChannel 1: Let me put you on a break. Bring up emails. No. It didn't come up yet.\n\nChannel 0: Might just take a a second there.\n\nChannel 1: Yeah. That's still nothing. It's probably a big file, so it's probably taking a little bit to download.\n\nChannel 0: Yeah. But generally, sometimes with the the larger ones, there are a few documents that do take a bit to to get through there.\n\nChannel 1: Yeah. That's right. I'll just keep refreshing until it pops up. Just just giving my car a bit of a a detail before the Easter weekend.\n\nChannel 0: Hopefully, it's a bit bit sunnier down your way. It's a bit wet and miserable.\n\nChannel 1: Yeah. It's Pretty good at the moment. Haven't don't think there's any plans for any rain around us at the moment or not for the next week anyway.\n\nChannel 0: Yeah. That should be be alright. And then be a good weekend.\n\nChannel 1: Yeah. It should be. Here we go. Got it. Here we go.\n\nChannel 0: Ready?\n\nChannel 1: Let me ask that. Okay. Yep. I got it.\n\nChannel 0: 30. So there is a link there for the signable document, which is the statement advice. There is a quote there. If you're sort of accepting everything there as well, they'd get you to sign the the quote as well, but it just wasn't advice.\n\nChannel 1: Statement of advice. Okay. Hit that link there. Open that one up. How are the stock markets traveling after Donald Trump invasion?\n\nChannel 0: Decidedly not too great for the start of the year, but there has been a few days where it should cover a little bit. So in terms of, like, overall performance, probably not, like, the worst down. And,\n\nChannel 1: Yep.\n\nChannel 0: generally, with the regards to to wars, it, like, it dips quite significantly, and then it sorta rebounds quite quickly.\n\nChannel 1: Yep.\n\nChannel 0: So once everything sort of in the dust settles, although, you know, we might be still paying $3 a liter for diesel for a little bit longer, as far as\n\nChannel 1: Yep.\n\nChannel 0: the stock market's probably concerned, they probably will rebound quite quickly in terms of that one. It's also our cost of living and lifestyle expenses that will probably remain higher for longer.\n\nChannel 1: Yep. No. I understand that.\n\nChannel 0: Yeah. But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like\n\nChannel 1: Yep.\n\nChannel 0: and then the recovery from that. And then, obviously, we've had another hit from there. But overall, hopefully, moving forward, there's not too many things like that that do occur. Yeah. And we can get a bit of steady growth out of Sufan and then with the update there as well, hopefully.\n\nChannel 1: Yep. Not\n\nChannel 0: That puts\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: seems good.\n\nChannel 0: in, yeah, in a nice spot moving forward. Now the document there is obviously created for yourself by myself and the team. It's an authorized effort in the Oakview Financial. In terms of the document itself, it is quite straightforward in the sense that we were mainly just looking at the investments inside the superannuation and then\n\nChannel 1: Yep.\n\nChannel 0: touching on the insurances. Now a part of that was, obviously, you decided to keep that IP policy, and the last bit was just reviewing that life and TPD to see if there's a more adequate policy that we could rewrite to\n\nChannel 1: Yep.\n\nChannel 0: just for cheaper premiums moving forward. So as far as it is limited to those two areas, they're quite simple in terms of the advice. And\n\nChannel 1: Yep.\n\nChannel 0: then with that, we did a review of your superannuation platform, your investments. It just worked out to be in your best interest at the moment. With the CGT, you did have liable just to maintain net wealth and just adjust the underlying investments. Now\n\nChannel 1: Yep.\n\nChannel 0: in the meantime there as well with the Bennelong and what happened with Bennelong, the business sent out that record of advice that moved you out of Bennelong. And then from\n\nChannel 1: Yep.\n\nChannel 0: there, we're just making a bit of a tweak because you are quite heavily weighted into one asset because that was the asset that they are away to. So you have about 40% in the a 200. We're just looking at sort of adjusting a little bit, making sure you're nice and diversified moving forward and not all your eggs are sort of in that one basket.\n\nChannel 1: Yep.\n\nChannel 0: So, hopefully, you get nice long term growth. And then applying for life and total permanent disability with a sender that's paid through the net worth much like your Neos policy. Just within regards to that one, what did occur when we deal with those pre assessments, in regards to the pins that you do hold in your your shoulder, and then also medication you take for for mental health, weren't sort of answered\n\nChannel 1: Yep.\n\nChannel 0: in the way, sort of the way those questions were worded to where it's potentially a nondisclosure. So we just wanna make sure that is disclosed. So if anything did occur outside of that, that you are covered, and then that Neos wouldn't sort of look at to come knowing a claim. So moving\n\nChannel 1: Yep.\n\nChannel 0: forward, you would have this shoulder and mental health exclusion. And then depending on how your sleep apnea is going, because I don't think you've mentioned it too much with us, because you currently have the loading for it. Are you currently using the machine? Do you still have sleep apnea there, Sean?\n\nChannel 1: But, yeah, I do use a machine.\n\nChannel 0: Yeah. So as long as that's under control, it can be standard rate. If not, you'll just still keep that 50% loading\n\nChannel 1: Yeah.\n\nChannel 0: there as\n\nChannel 1: Oh,\n\nChannel 0: well.\n\nChannel 1: well, I don't have any issues with it. I don't know.\n\nChannel 0: Yeah. So as long as you disclose that during the application process, that should be more\n\nChannel 1: Yep.\n\nChannel 0: than fine. But\n\nChannel 1: Yep.\n\nChannel 0: those are the three we're looking at. They should have been on your current policy anyway, but given that the way the questions were worded back then, obviously, it just didn't come up. So we just wanna make sure that moving forward that it is in there.\n\nChannel 1: Yep. Yep. That is fair enough.\n\nChannel 0: On page five and six, you'll be able to see just your current information there in regards to occupation, income, and then debts, assets, liabilities.\n\nChannel 1: Yep.\n\nChannel 0: Also, you only have really the mortgage left. So, you know, as you do get old and you pay down that, the like, given that your IP still is quite expensive, but you are still, you know, working in that, once you sort of pay down the mortgage or pay off considerable amount and get a bit of a savings going as well, we might be able to look at, you know, changing that or just getting rid of some of your insurance altogether to lower cost just when you don't have as much debt and don't need to cover for\n\nChannel 1: Yep.\n\nChannel 0: as much. Perfect. Now in regards to your risk profile, we're just keeping you in high growth. That's what you scored. That's what you're happy to stay in.\n\nObviously, you've\n\nChannel 1: Yep.\n\nChannel 0: got a number of years until the age of 60 to even touch your money even if you could. So it just means\n\nChannel 1: Not\n\nChannel 0: you're\n\nChannel 1: at\n\nChannel 0: invested\n\nChannel 1: all.\n\nChannel 0: a little bit more aggressively for that time being, and then we can look at reducing that a bit later. It's a bit\n\nChannel 1: Yep.\n\nChannel 0: easier than trying to play and catch up, taking on a bit more risk now. Now as far as retaining net wealth there and updating your portfolio to to a nice new high growth adjustment there with the changes that have occurred\n\nChannel 1: Yep.\n\nChannel 0: in the market there currently. It just means that one, you've removed that manager risk. You don't have that moving forward. You have a cheaper investment option moving forward, and that has historically performed really well. And then\n\nChannel 1: Yep.\n\nChannel 0: also within regards that tracking those indexes there and having nice diversification, it's gonna have a nice spread across different, not only regions, but also different companies there within those exchange traded funds.\n\nChannel 1: Okay.\n\nChannel 0: Now within regards to the CGT liability, just due to the little loss that did occur in with Benelon, in addition to the changes that are being made, you'll only pay around a $180 to make the changes that we're recommending, which\n\nChannel 1: Got\n\nChannel 0: means it doesn't come as a huge cost out of the portfolio\n\nChannel 1: it. Yep.\n\nChannel 0: to make\n\nChannel 1: Fine.\n\nChannel 0: those switches there. And then hopefully on that moving forward. But\n\nChannel 1: Going good.\n\nChannel 0: do you have any questions in regards to that investment\n\nChannel 1: K.\n\nChannel 0: update so far there, Sean?\n\nChannel 1: No. No. That's pretty good.\n\nChannel 0: Perfect. So the main points there is it's in line with the risk profile. You still have the same allocation to growth assets as you do, like, currently. You just won't have to manage your risk. You will have a lower cost investment, which means that more of your money goes into the actual investments themselves, and then you'll still be a client with OP.\n\nYou'll still get all those benefits, and then you'll also have a lower allocation to any single asset and have a greater spread across a few there that improves that diversification.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Having obviously, in regards to where the markets are at the moment, they are quite volatile. So anytime you do these changes, there is a time when you'll be in a cash portion. And if the market does go up in that time frame, then you might miss out on a bit of potential growth. If it goes the other way and takes a bit of a dip, it means that you sort of buy it at a bit of a lower cost. So either way,\n\nChannel 1: Yep.\n\nChannel 0: it might jump a little bit, but it's sort of negligible over the the long term there for you.\n\nChannel 1: Yep.\n\nChannel 0: We did also consider just leaving in your current portfolio. Although, historically, given the weightings that it would have performed potentially better over the last five years, but in saying that it is quite a high allocation to one asset and and if that asset was to do poorly, it'll end up in, like, another been a long situation where your whole portfolio takes a significant hit purely because one asset isn't doing great. So we wanna diversify across a few more\n\nChannel 1: Yep.\n\nChannel 0: there. We're gonna reduce the cost in regards to those investments. And then we also thought about keeping an active portion, but given the cost involved with that and how they are performing currently compared to the indexes, it just sort of looks to be better than keep you in a a more passive index approach moving forward.\n\nChannel 1: Alright. Okay.\n\nChannel 0: On page 13 there, you'll be able to see the buyers and sales and the change. The majority of it will come out of the BetaShares Australian two hundred, and then you'll also be moving there across from where you are currently with the iShares, Europe, Japan, S and P five hundred, and then moving across there. Sorry. I'll just have a quick look. I believe this table might just be a little bit incorrect there.\n\nSorry. I'll just have a quick look.\n\nChannel 1: Looking at the table on page page 13. Yep.\n\nChannel 0: Yeah. Bear with me there. I'm just making sure that lines up. I'm not too sure if they've actually and then probably just bear with me, Sean.\n\nChannel 1: Yeah.\n\nChannel 0: I believe that investment table might be the wrong table that that's gone into. So\n\nChannel 1: Right.\n\nChannel 0: I might need to get them to to update that. We'll resend that out to you there, Sean.\n\nChannel 1: Okay. Yep.\n\nChannel 0: In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before. Yes. So within regards to the change, sure what happened with the the table there, but you will still have the cybersecurity. It'll be still in Europe, Japan, and then you'll have the S and P 500 as a core with the Australian BetaShares 200. And then you'll have some gold, the composite bond, and then an all world excluding the\n\nChannel 1: Yep.\n\nChannel 0: US there as well. So not too different from what you you currently have. It'll just be sort of spaced across a number of different investments and sort of have a less allocation to that Australian 200. I'll get them to update that, and we'll resend you that document there. So don't worry about signing or anything today there, Sean,\n\nChannel 1: Okay. Yep.\n\nChannel 0: and we'll get that one sorted. Apologies for the the mix up\n\nChannel 1: Excellent.\n\nChannel 0: there.\n\nChannel 1: Hi, drivers.\n\nChannel 0: It just seems like they've selected the one over, so that's more than fine. But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth. You just\n\nChannel 1: Yay.\n\nChannel 0: won't have any manager risk with that. It'll be a nice passive approach there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now, obviously, in regards to the tables there as well, I'll just get them to check all that and make sure that is all correct before saying that out. But, obviously, it'll illustrate there in regards\n\nChannel 1: Yep.\n\nChannel 0: to that how that might look\n\nChannel 1: So\n\nChannel 0: over\n\nChannel 1: look, just quick\n\nChannel 0: sort\n\nChannel 1: just quickly looking\n\nChannel 0: of\n\nChannel 1: at the table where it's\n\nChannel 0: yep.\n\nChannel 1: got Better Stares Australia 200,\n\nChannel 0: Yep.\n\nChannel 1: and then it's got current balance of 45, and it says buy sell minus 34,000. What's that mean?\n\nChannel 0: So when you do see that when it it does get adjusted there, so obviously that's the the wrong buy sell spread. On the the left hand side, you'll be able to see your actual portfolios. You currently, you have 40% in the BetaShares Australian two hundred.\n\nChannel 1: Yep.\n\nChannel 0: And what\n\nChannel 1: I\n\nChannel 0: they'll,\n\nChannel 1: see that.\n\nChannel 0: yeah, what they'll illustrate is what what you'd be selling out of that versus what you'd be buying into on the right hand side to show you what the balances would be. So on the right hand columns, you'd see,\n\nChannel 1: Yep.\n\nChannel 0: like,\n\nChannel 1: Yep.\n\nChannel 0: sold\n\nChannel 1: Target\n\nChannel 0: at seven.\n\nChannel 1: balance.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That's what it would be with the buys and sells, and it shows you in the red what would be selling down to purchase those other assets for the diversification.\n\nChannel 1: Alright.\n\nChannel 0: Now\n\nChannel 1: Okay. So the black is what we're gonna be buying, and the red is what we're selling to buy the stuff in the black in the buy, sell column.\n\nChannel 0: yeah. And if you see the target waiting, some go to zero, but obviously, it's\n\nChannel 1: Yep.\n\nChannel 0: a different portfolio there.\n\nChannel 1: Yep. No. I understand it. Right. Okay.\n\nAnd that did and right at the bottom is the total I've got in super at the moment.\n\nChannel 0: So, yeah,\n\nChannel 1: The\n\nChannel 0: minus\n\nChannel 1: total total.\n\nChannel 0: the $180 there.\n\nChannel 1: Yeah. Yeah. Yep. Okay. Cool.\n\nThat's right. I'm on the same page with you now. Now I'm making sure I know what I'm looking at.\n\nChannel 0: Yeah. So obviously, that's the the wrong portfolio. So I'll get them to update\n\nChannel 1: Yep.\n\nChannel 0: that for you.\n\nChannel 1: No.\n\nChannel 0: And then and then you'll be able to see the actual changes so you can have a look at that, make sure you're happy with that one.\n\nChannel 1: Yeah. That's\n\nChannel 0: And then\n\nChannel 1: all. Next time I look at it, I'll know what I'm looking at. I'll know exactly what it means. Yeah.\n\nChannel 0: yeah. And on that right hand side, you'll be able to see the percentages for each different one. So within regards to that, I can let you know what the actual portfolio there should be for you. So you have 6% in this cybersecurity, 9% in the iShares Europe, and you'd have 5% in the Japan region still, and then\n\nChannel 1: Yes.\n\nChannel 0: you'd have 8% in the Vanguard all world US. You'd still have a key portion in the S and P 500 at 35. BetaShares would still have 25% as opposed to the 40, so a\n\nChannel 1: Not\n\nChannel 0: little\n\nChannel 1: yet.\n\nChannel 0: bit of a reduction there. And\n\nChannel 1: Yep.\n\nChannel 0: then 7% in gold and then 5% in Europe defensive iShares composite bond.\n\nChannel 1: Yep. So gold's gold is just a a stable you know, it's not there's no future plans with the wall that the gold in the foreseeable future is gonna, you know, jump dramatically?\n\nChannel 0: So\n\nChannel 1: Or\n\nChannel 0: within\n\nChannel 1: is it just always a regular, constant, slow growth? Because gold always seems to go up when there's a wall.\n\nChannel 0: yeah. It's like one of those negatively correlated sort of assets, and it can be it's because it's an alternative. It can be suited like a growth asset or a defensive asset depending on what's\n\nChannel 1: Yep.\n\nChannel 0: going on in, like, the world. Obviously, within the way the the economy's been the past few years, gold's taking quite a bit of a jump just purely for the fact that\n\nChannel 1: Yep.\n\nChannel 0: everything is going on. People go back\n\nChannel 1: Yep.\n\nChannel 0: to that harder currency. But, generally, it's more of just, like, you know, holding things like cash and fixed interest. It generally gets you know, holds its value, goes up slowly over time,\n\nChannel 1: Yep.\n\nChannel 0: bit higher than the cash rate, and that's sort of still how it's viewed, but a bit more of a growth asset at the moment, and that's how they sort of allocated it with everything\n\nChannel 1: Yep.\n\nChannel 0: going on. But, obviously, you don't\n\nChannel 1: Nope.\n\nChannel 0: wanna be overweight in anything too much, specifically\n\nChannel 1: No.\n\nChannel 0: when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies. Gold's\n\nChannel 1: Yep.\n\nChannel 0: just gold at the end of the day. It's purely\n\nChannel 1: Yep.\n\nChannel 0: linked to what the price of gold's doing.\n\nChannel 1: Yep. No. I understand that. That's alright. Cool.\n\nChannel 0: Perfect. And then if you do go down over to the projection table of what the things will cost within regards to that one, I believe that table is correct in terms of the fees and the change in the growth. So, obviously, when you look at the growth over the past five years, it is slightly less, and that's purely because the a 200 did, like, quite well over that period. But what you're doing is you might, like, lose out on a little bit of growth if a 200 was too fantastic. But if the same sense, if you get 40% in an asset and it takes a bit of a dip, then obviously, that can\n\nChannel 1: Yep.\n\nChannel 0: really negatively hurt your portfolio, which is why we went to a bit more diversification as opposed to what you you currently got there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. And then within regards to the insurances and the new insurance recommendation, the premium will be a lot lower, which will save on those fees moving forward, which will help go towards\n\nChannel 1: Thirteen\n\nChannel 0: investing\n\nChannel 1: 13. Sure.\n\nChannel 0: more.\n\nChannel 1: Premiums.\n\nChannel 0: Yeah. So you can see the insurance premiums there dropped\n\nChannel 1: Yep.\n\nChannel 0: quite dramatically with\n\nChannel 1: Yeah.\n\nChannel 0: the recommended.\n\nChannel 1: 3,000 off. Yep.\n\nChannel 0: Yep. So that will go towards each year just going towards being invested. Obviously, insurance premiums do go up a little bit each year.\n\nChannel 1: They sent me those.\n\nChannel 0: But in saying that rewriting there, we can get them back down a little bit. You'd have the same exclusions or loadings you should potentially on your current policy anyway.\n\nChannel 1: Yep.\n\nChannel 0: Give it that how far back those conditions date. And then with that, you'd just be paying that lower cost for even with the the Neos there, even though they aren't currently excluded on the policy, if the Neos was to find out that those predate the policy anyway, they could deny a claim, or they could just\n\nChannel 1: Wrong\n\nChannel 0: cancel\n\nChannel 1: thing.\n\nChannel 0: your insurance totally anyway if it was in regards to any sort of mental health or that shoulder injury as well with the pins in there just\n\nChannel 1: Yep.\n\nChannel 0: from that. And then you'll be paying a lot less anyway for a comparable policy.\n\nChannel 1: Yep.\n\nChannel 0: So if you did go down to page 18 there, you can see the policy you're recommending is 350,000 of life and total permanent disability, and it works out to be around a thousand dollars per annum after the 15% rebate in super. It\n\nChannel 1: Yep. Yep. Okay. Yep. Yep.\n\nI'm looking at that now. Yep.\n\nChannel 0: is slightly less than the cover you have currently, but your debts are also slightly less a little bit as well.\n\nChannel 1: My debts my debts are a lot less now. My my debts are actually just under well, around the $200,000 mark is all I got left Debt wise, so 350 more than more than covers it. You know?\n\nChannel 0: Yeah. Yeah. And that's more so just a little bit more in the sense that if you were totally or permanently disabled and couldn't work, you've got an extra 100\n\nChannel 1: Yep.\n\nChannel 0: and 50,000\n\nChannel 1: That's\n\nChannel 0: could go\n\nChannel 1: right.\n\nChannel 0: towards 50, like,\n\nChannel 1: Yep.\n\nChannel 0: living expenses and things like that and having that invested, which\n\nChannel 1: Yep.\n\nChannel 0: is why it's a little bit more. As\n\nChannel 1: Yep.\n\nChannel 0: I said there\n\nChannel 1: That's\n\nChannel 0: over the\n\nChannel 1: fine.\n\nChannel 0: next page on page 20, you'd be able to see that the exclusion that will apply the mental health, the left shoulder exclusion, and the 50% loading for the sleep apnea, but that could be just standard rates depending on how you get assessed on that as well, which\n\nChannel 1: Yeah. That's\n\nChannel 0: is fine\n\nChannel 1: fine. I don't I have no issues with this shoulder. It's never given me any issues. I've got good movement,\n\nChannel 0: because\n\nChannel 1: mental health. I don't have any mental health issues.\n\nChannel 0: yeah.\n\nChannel 1: So, yeah, look, they're gonna have problem with that. I can't see it causing any issues. But\n\nChannel 0: Yeah.\n\nChannel 1: I've got\n\nChannel 0: And\n\nChannel 1: it.\n\nChannel 0: that's the thing too. Like, it's purely because, like, I know people that have said they're a little bit stressed at work and get a mental health exclusion. It doesn't mean you're gonna stop working. Given that you've taken the medication, it's fun. And given that your your shoulder occurred so long ago, it wouldn't regularly be an issue.\n\nBut anytime you have any sort of foreign material, like, any sort of pins or plates or things like that, there is a chance later down the track that they may need to be removed or changed and things like that, which is why they always exclude them when there's foreign material sort of in there.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So, yeah, when we did all the I know you remember probably a few of those conversations we have with the back and forth and reviewing everything. Obviously, you're keeping the IP policy that is quite expensive, but it is quite comparable.\n\nChannel 1: Yeah.\n\nChannel 0: It is a really comprehensive policy for how long you've held it, the benefits you do get with that, and you have claimed on a few times there in the past as well. So looking at\n\nChannel 1: Yeah.\n\nChannel 0: keeping that in the\n\nChannel 1: I'm\n\nChannel 0: the meantime.\n\nChannel 1: I have still got it. Yeah. I've still got it going even though it's cost me bloody $400 a month. You know, I am getting older. So if I do have any medical issues or or whatever happens, you know, I know I can I can lean on that?\n\nAnd I know it's pretty well I put a claim in, and they just start paying it without any me proving or doing anything pretty much. Give them a doctor certificate, and they just start paying out. So we'll see\n\nChannel 0: Yeah.\n\nChannel 1: what happens. Unless they turn around, you know, because they're trying to force me out of it. That's why they've been jacking up the prices. Next\n\nChannel 0: Yep.\n\nChannel 1: year, they might jack it up to $600 a month or a thousand dollars a month. Well, then it's gonna get to a point where I just can't afford it anymore. But in the meantime, I'll I'll roll with it, and we'll see how we go down the track.\n\nChannel 0: Yeah. And then when you\n\nChannel 1: Yeah.\n\nChannel 0: do get to that point, we can obviously look at what cover is available. Obviously, it's a little harder given that you have, like, claimed on some form of IP in the past as well,\n\nChannel 1: Yeah.\n\nChannel 0: but you might still be able to get some form of policy that gives you some form of protection or look to being a bit more self insured. And just as you said, you don't have too much debt. So looking at paying that a bit off a bit quicker or trying to put that into some form of savings account or things like that to self insure because, you\n\nChannel 1: Well,\n\nChannel 0: know,\n\nChannel 1: that's\n\nChannel 0: it is\n\nChannel 1: right.\n\nChannel 0: quite\n\nChannel 1: You know? Yeah.\n\nChannel 0: a yeah.\n\nChannel 1: It\n\nChannel 0: It\n\nChannel 1: is\n\nChannel 0: is quite\n\nChannel 1: a bit\n\nChannel 0: a decent\n\nChannel 1: of money.\n\nChannel 0: amount of month that you could be putting, like, into some form of, like, investment to self insure. But, obviously,\n\nChannel 1: Yep.\n\nChannel 0: the benefit is is if you really do get injured, it pays all the way longer than sort of that savings would last\n\nChannel 1: No.\n\nChannel 0: if\n\nChannel 1: That's right. Yep. No. I understand. Yeah.\n\nYeah. So at the moment, I can afford to pay it even though it's $400 a month. It's\n\nChannel 0: Yeah.\n\nChannel 1: pretty well more than my mortgage or thereabouts, but, you know, comfortably afford to pay it. So I'll just keep it rolling for now, and we'll see what the future holds.\n\nChannel 0: Yep. No problem. Just the next annual review, we can obviously review it again and see how you feel about it then as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Okay. Yeah. And then obviously, in regards to, like, the life in TPD, there's no reason to keep the Neos policy given that, like, everything that you we've disclosed or you disclosed should have potentially been on the policy. So there's no reason we shouldn't rewrite. It'll apply anyway.\n\nSo some things that would be not on a new policy or on it not on the current policy, but on a new policy, then we might look at keeping, but there's no real reason to maintain what you've got currently.\n\nChannel 1: Yep. Right.\n\nChannel 0: And then in regards to, like, obviously, there is a needs analysis there to show you sort of what was required in terms of your debt, which covers that more than with the policy as well. Obviously, the benefit is that one is like that insurance we're recommending\n\nChannel 1: Yep.\n\nChannel 0: to is paid out of super, so that helps the out of pocket cost there as well. And then with that, Ascender did give the most favorable underwriting terms. And then with the buybacks and links and everything like that, you still have a comprehensive policy for that life and total permanent disability if anything was to happen.\n\nChannel 1: Yep.\n\nChannel 0: I think,\n\nChannel 1: Yep.\n\nChannel 0: obviously, the risk is is obviously you still gotta meet the definitions of the claim if anything were to happen outlined in the PDFs that we do provide. Obviously, we'll update this document and send it, and you'll be able to read through all of that as well. There is a quote there as well to show you illustrate what that looks like in terms of, like, the cost premium plus that is with the loading. So if you don't get the loading, it will be slightly less than that as well.\n\nChannel 1: Yep.\n\nChannel 0: And then we also considered rewriting the IP, but, obviously, we're keeping that at the moment, group insurances, level premiums, things like that as well. But all of those came at a lot higher cost there as well. And then\n\nChannel 1: Yep.\n\nChannel 0: with the other insurers, some of them didn't come back as with some favorable terms.\n\nChannel 1: Alright. That's fine.\n\nChannel 0: But do you have any questions in regards to those insurances or the?\n\nChannel 1: Nah. Nah. It's pretty straightforward.\n\nChannel 0: Yep. Obviously, in regards to the fee, it's still the 1.65%, and then\n\nChannel 1: Yep.\n\nChannel 0: it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy. That's not an additional cost you pay. That's what the insurer pays us out of what you pay to them as a premium. And\n\nChannel 1: Yep.\n\nChannel 0: then that one, yeah, we just have to disclose it.\n\nChannel 1: Yep. No. That's why I'm reading that now, the remuneration and the ongoing percentage and fees. Yeah. I'm looking at that now.\n\nYep. That's fine.\n\nChannel 0: Yeah. Well, in regards to, like, the document, obviously, we'll get updates. Don't worry about signing it there. If you were to sign,\n\nChannel 1: Yep.\n\nChannel 0: basically, they'd get the the trade implemented to update the investments. And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you. And then we'd still just maintain that Neos policy in the meantime until time we got the new cover just in case anything else came up.\n\nChannel 1: Yep. Right.\n\nChannel 0: Not a problem at all, Sean. Do you have any questions in regards to to anything while you've got me there?\n\nChannel 1: No. I think it's pretty straightforward. Sorry. By the sign issue, send me another email with the documents to sign with\n\nChannel 0: Yep.\n\nChannel 1: the update, and then I'll then I'll click on that to sign and then sign them. So you don't want me to sign this one you've sent me.\n\nChannel 0: No. We'll get that all updated with the the actual document there because as I said, that's just that\n\nChannel 1: Yep.\n\nChannel 0: trade section there is just incorrect there. So we'll get that sorted there, and we'll get that resend out to you. And then you can just have a review through it if you want, have a look at it. You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get a\n\nChannel 1: Yep.\n\nChannel 0: chance. And then, yeah, come back with any questions you do have once we sort of send through that. But they'll say it'd be in the next sort of twenty minutes. They'll just change over that table and get it sent back out to you.\n\nChannel 1: Yeah. That's fine. No dramas at all. I'll have a look over it quickly, and then I'll then I'll sign up. But, yeah, everything else seems pretty good.\n\nChannel 0: Not a problem at all, Sean. Well, if you don't have any other questions for me, I'll let you get back to it, and then, yeah, just reach out if you do have any questions regarding that.\n\nChannel 1: Beautiful. No problem at all.\n\nChannel 0: Too easy, mate. Have a good afternoon. Thanks\n\nChannel 1: Alright.\n\nChannel 0: for your time.\n\nChannel 1: Cheers. Thank you. You too.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good","start":0.0,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.25267282128334045}],"sentiment":"neutral","sentiment_score":0.25267282128334045,"channel":0,"num_words":1,"start":0.0,"end":0.39999998},{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.19552338123321533}],"sentiment":"neutral","sentiment_score":0.19552338123321533,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"afternoon, Sean.","start":0.39999998,"end":2.56,"sentiment":"neutral","sentiment_score":0.17353574931621552},{"text":"It's Carl calling from Acute Financial.","start":2.56,"end":4.0,"sentiment":"neutral","sentiment_score":0.14540278414885202},{"text":"How are you today?","start":4.0,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.21436422318220139}],"sentiment":"neutral","sentiment_score":0.17307875802119574,"channel":0,"num_words":12,"start":0.39999998,"end":4.8199997},{"sentences":[{"text":"Oh, good.","start":4.88,"end":5.44,"sentiment":"positive","sentiment_score":0.5148642361164093},{"text":"Thanks.","start":5.44,"end":5.94,"sentiment":"positive","sentiment_score":0.677438497543335}],"sentiment":"positive","sentiment_score":0.5690556565920512,"channel":1,"num_words":3,"start":4.88,"end":5.94},{"sentences":[{"text":"That's good to hear.","start":6.16,"end":7.12,"sentiment":"positive","sentiment_score":0.7587412446737289},{"text":"I just got you in for your statement of advice presentation.","start":7.12,"end":9.36,"sentiment":"positive","sentiment_score":0.4408177841793407},{"text":"Now is still a good time for you?","start":9.36,"end":10.9,"sentiment":"positive","sentiment_score":0.3681693486869335},{"text":"Not a problem at all.","start":12.575001,"end":13.695001,"sentiment":"neutral","sentiment_score":0.2543847352266312},{"text":"Just to jump into that one today, Sean, if I could just pass through security of that name, date of birth, and current address, we'll get stuck into that today.","start":13.695001,"end":19.155,"sentiment":"neutral","sentiment_score":0.1610049823919932}],"sentiment":"neutral","sentiment_score":0.29192049210441523,"channel":0,"num_words":58,"start":6.16,"end":19.155},{"sentences":[{"text":"Sean Aiser.","start":19.175,"end":19.975,"sentiment":"neutral","sentiment_score":0.024596717208623886},{"text":"20 35th 761 Coolbar Court, Highfields.","start":19.975,"end":23.275,"sentiment":"neutral","sentiment_score":0.028382626206924517}],"sentiment":"neutral","sentiment_score":0.02743614895734936,"channel":1,"num_words":8,"start":19.175,"end":23.275},{"sentences":[{"text":"Perfect.","start":24.91,"end":25.230001,"sentiment":"positive","sentiment_score":0.5317248106002808},{"text":"Thank you for that one.","start":25.230001,"end":26.35,"sentiment":"positive","sentiment_score":0.6379199385643005},{"text":"Now just because I know the last time we spoke was just the end of last year there, Sean.","start":26.35,"end":30.69,"sentiment":"neutral","sentiment_score":0.08644362450822403}],"sentiment":"neutral","sentiment_score":0.2145501347631216,"channel":0,"num_words":25,"start":24.91,"end":30.69},{"sentences":[{"text":"Yep.","start":30.45,"end":30.95,"sentiment":"neutral","sentiment_score":0.07299305498600006}],"sentiment":"neutral","sentiment_score":0.07299305498600006,"channel":1,"num_words":1,"start":30.45,"end":30.95},{"sentences":[{"text":"Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that?","start":31.39,"end":38.75,"sentiment":"neutral","sentiment_score":0.020768022952744596},{"text":"Yeah.","start":38.75,"end":39.07,"sentiment":"neutral","sentiment_score":-0.003632829524576664}],"sentiment":"neutral","sentiment_score":0.01986428767580677,"channel":0,"num_words":27,"start":31.39,"end":39.07},{"sentences":[{"text":"No.","start":38.77,"end":38.93,"sentiment":"neutral","sentiment_score":-0.07852502167224884},{"text":"No.","start":38.93,"end":39.17,"sentiment":"neutral","sentiment_score":-0.06449894607067108}],"sentiment":"neutral","sentiment_score":-0.07151198387145996,"channel":1,"num_words":2,"start":38.77,"end":39.17},{"sentences":[{"text":"Perfect.","start":39.07,"end":39.57,"sentiment":"neutral","sentiment_score":0.0736100822687149}],"sentiment":"neutral","sentiment_score":0.0736100822687149,"channel":0,"num_words":1,"start":39.07,"end":39.57},{"sentences":[{"text":"Everything's still the same.","start":39.17,"end":40.39,"sentiment":"neutral","sentiment_score":0.09966605436056852}],"sentiment":"neutral","sentiment_score":0.09966605436056852,"channel":1,"num_words":4,"start":39.17,"end":40.39},{"sentences":[{"text":"Brilliant.","start":41.095,"end":41.595,"sentiment":"positive","sentiment_score":0.443686842918396},{"text":"So I'll be sending this out there, Sean.","start":41.975002,"end":43.735,"sentiment":"neutral","sentiment_score":0.1833876958116889},{"text":"I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com.","start":43.735,"end":50.075,"sentiment":"neutral","sentiment_score":0.061240647426422906}],"sentiment":"neutral","sentiment_score":0.11353382367927295,"channel":0,"num_words":26,"start":41.095,"end":50.075},{"sentences":[{"text":"That's the 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in that time frame, then you might miss out on a bit of potential growth.","start":576.34,"end":580.695,"sentiment":"neutral","sentiment_score":-0.19900651174512776},{"text":"If it goes the other way and takes a bit of a dip, it means that you sort of buy it at a bit of a lower cost.","start":580.91504,"end":585.09503,"sentiment":"neutral","sentiment_score":0.04244193048881633},{"text":"So either way,","start":585.555,"end":586.755,"sentiment":"neutral","sentiment_score":0.02172733098268509}],"sentiment":"neutral","sentiment_score":-0.05537317299045796,"channel":0,"num_words":86,"start":568.18,"end":586.755},{"sentences":[{"text":"Yep.","start":586.695,"end":587.195,"sentiment":"neutral","sentiment_score":0.04464235156774521}],"sentiment":"neutral","sentiment_score":0.04464235156774521,"channel":1,"num_words":1,"start":586.695,"end":587.195},{"sentences":[{"text":"it might jump a little bit, but it's sort of negligible over the the long term there for you.","start":586.755,"end":591.495,"sentiment":"neutral","sentiment_score":0.011209022253751755}],"sentiment":"neutral","sentiment_score":0.011209022253751755,"channel":0,"num_words":19,"start":586.755,"end":591.495},{"sentences":[{"text":"Yep.","start":591.88,"end":592.38,"sentiment":"neutral","sentiment_score":0.06096671149134636}],"sentiment":"neutral","sentiment_score":0.06096671149134636,"channel":1,"num_words":1,"start":591.88,"end":592.38},{"sentences":[{"text":"We did also consider just leaving in your current portfolio.","start":592.88995,"end":595.55,"sentiment":"neutral","sentiment_score":0.0459461010992527},{"text":"Although, historically, given the weightings that it would have performed potentially better over the last five years, but in saying that it is quite a high allocation to one asset and and if that asset was to do poorly, it'll end up in, like, another been a long situation where your whole portfolio takes a significant hit purely because one asset isn't doing great.","start":595.69,"end":613.53503,"sentiment":"neutral","sentiment_score":-0.15430575555365067},{"text":"So we wanna diversify across a few more","start":613.53503,"end":615.79504,"sentiment":"neutral","sentiment_score":0.17422533687204123}],"sentiment":"neutral","sentiment_score":-0.09783298353005837,"channel":0,"num_words":82,"start":592.88995,"end":615.79504},{"sentences":[{"text":"Yep.","start":616.305,"end":616.805,"sentiment":"neutral","sentiment_score":0.16332295536994934}],"sentiment":"neutral","sentiment_score":0.16332295536994934,"channel":1,"num_words":1,"start":616.305,"end":616.805},{"sentences":[{"text":"there.","start":616.41504,"end":616.91504,"sentiment":"neutral","sentiment_score":0.24591118097305295},{"text":"We're gonna reduce the cost in regards to those investments.","start":617.29504,"end":619.85504,"sentiment":"neutral","sentiment_score":0.28281022012233736},{"text":"And then we also thought about keeping an active portion, but given the cost involved with that and how they are performing currently compared to the indexes, it just sort of looks to be better than keep you in a a more passive index approach moving forward.","start":619.85504,"end":632.14,"sentiment":"neutral","sentiment_score":0.18897789811834376}],"sentiment":"neutral","sentiment_score":0.20613749299583764,"channel":0,"num_words":58,"start":616.41504,"end":632.14},{"sentences":[{"text":"Alright.","start":632.56995,"end":632.88995,"sentiment":"neutral","sentiment_score":0.16490930318832395},{"text":"Okay.","start":632.88995,"end":633.315,"sentiment":"neutral","sentiment_score":0.16026058793067932}],"sentiment":"neutral","sentiment_score":0.16258494555950165,"channel":1,"num_words":2,"start":632.56995,"end":633.315},{"sentences":[{"text":"On page 13 there, you'll be able to see the buyers and sales and the change.","start":634.935,"end":638.29504,"sentiment":"neutral","sentiment_score":0.18577792588621378},{"text":"The majority of it will come out of the BetaShares Australian two hundred, and then you'll also be moving there across from where you are currently with the iShares, Europe, Japan, S and P five hundred, and then moving across there.","start":638.29504,"end":656.62994,"sentiment":"neutral","sentiment_score":0.17637363930300967},{"text":"Sorry.","start":656.62994,"end":656.94995,"sentiment":"neutral","sentiment_score":-0.0286382045596838},{"text":"I'll just have a quick look.","start":656.94995,"end":658.32996,"sentiment":"neutral","sentiment_score":-0.022952069838841755},{"text":"I believe this table might just be a little bit incorrect there.","start":662.565,"end":667.045,"sentiment":"neutral","sentiment_score":-0.113642202069362}],"sentiment":"neutral","sentiment_score":0.1141277496997071,"channel":0,"num_words":76,"start":634.935,"end":667.045},{"sentences":[{"text":"Sorry.","start":667.045,"end":667.365,"sentiment":"neutral","sentiment_score":-0.06265484541654587},{"text":"I'll just have a quick look.","start":667.365,"end":668.745,"sentiment":"neutral","sentiment_score":0.009039235301315784}],"sentiment":"neutral","sentiment_score":-0.0012027762298073088,"channel":0,"num_words":7,"start":667.045,"end":668.745},{"sentences":[{"text":"Looking at the table on page page 13.","start":679.71,"end":682.13,"sentiment":"neutral","sentiment_score":0.024675996275618672},{"text":"Yep.","start":682.27,"end":682.77,"sentiment":"neutral","sentiment_score":0.008690782822668552}],"sentiment":"neutral","sentiment_score":0.022899861447513103,"channel":1,"num_words":9,"start":679.71,"end":682.77},{"sentences":[{"text":"Yeah.","start":684.275,"end":684.775,"sentiment":"neutral","sentiment_score":0.01935363188385963},{"text":"Bear with me there.","start":684.835,"end":686.29504,"sentiment":"neutral","sentiment_score":-0.00012191501446068287},{"text":"I'm just making sure that lines up.","start":686.35504,"end":688.03503,"sentiment":"neutral","sentiment_score":0.008808051369019918},{"text":"I'm not too sure if they've actually and then probably just bear with me, Sean.","start":688.03503,"end":693.41504,"sentiment":"neutral","sentiment_score":-0.07951237882177035}],"sentiment":"neutral","sentiment_score":-0.041191235219162924,"channel":0,"num_words":27,"start":684.275,"end":693.41504},{"sentences":[{"text":"Yeah.","start":693.83496,"end":694.33496,"sentiment":"neutral","sentiment_score":-0.14120563864707947}],"sentiment":"neutral","sentiment_score":-0.14120563864707947,"channel":1,"num_words":1,"start":693.83496,"end":694.33496},{"sentences":[{"text":"I believe that investment table might be the wrong table that that's gone into.","start":719.76,"end":726.5,"sentiment":"negative","sentiment_score":-0.34433393818991526},{"text":"So","start":728.32,"end":728.56,"sentiment":"neutral","sentiment_score":-0.1688111126422882}],"sentiment":"neutral","sentiment_score":-0.33263241648674013,"channel":0,"num_words":15,"start":719.76,"end":728.56},{"sentences":[{"text":"Right.","start":728.495,"end":728.995,"sentiment":"neutral","sentiment_score":-0.1465636044740677}],"sentiment":"neutral","sentiment_score":-0.1465636044740677,"channel":1,"num_words":1,"start":728.495,"end":728.995},{"sentences":[{"text":"I might need to get them to to update that.","start":728.56,"end":730.72,"sentiment":"neutral","sentiment_score":-0.1518569380044937},{"text":"We'll resend that out to you there, Sean.","start":730.72,"end":732.98,"sentiment":"neutral","sentiment_score":-0.029197989031672478}],"sentiment":"neutral","sentiment_score":-0.09734184957212871,"channel":0,"num_words":18,"start":728.56,"end":732.98},{"sentences":[{"text":"Okay.","start":732.575,"end":733.075,"sentiment":"neutral","sentiment_score":0.08213073015213013},{"text":"Yep.","start":733.29504,"end":733.79504,"sentiment":"neutral","sentiment_score":0.11257995665073396}],"sentiment":"neutral","sentiment_score":0.09735534340143204,"channel":1,"num_words":2,"start":732.575,"end":733.79504},{"sentences":[{"text":"In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you.","start":733.985,"end":739.605,"sentiment":"neutral","sentiment_score":0.11184444854205305}],"sentiment":"neutral","sentiment_score":0.11184444854205305,"channel":0,"num_words":22,"start":733.985,"end":739.605},{"sentences":[{"text":"Yep.","start":739.87,"end":740.37,"sentiment":"neutral","sentiment_score":0.08762383460998535}],"sentiment":"neutral","sentiment_score":0.08762383460998535,"channel":1,"num_words":1,"start":739.87,"end":740.37},{"sentences":[{"text":"But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before.","start":742.225,"end":750.21,"sentiment":"neutral","sentiment_score":0.004441108962055296},{"text":"Yes.","start":771.885,"end":772.28503,"sentiment":"neutral","sentiment_score":0.09426899254322052},{"text":"So within regards to the change, sure what happened with the the table there, but you will still have the cybersecurity.","start":772.28503,"end":779.44,"sentiment":"neutral","sentiment_score":0.10881642429601579},{"text":"It'll be still in Europe, Japan, and then you'll have the S and P 500 as a core with the Australian BetaShares 200.","start":779.74005,"end":787.34,"sentiment":"neutral","sentiment_score":0.12650881513305332},{"text":"And then you'll have some gold, the composite bond, and then an all world excluding the","start":787.34,"end":792.435,"sentiment":"neutral","sentiment_score":0.10960519127547741}],"sentiment":"neutral","sentiment_score":0.07725715266680845,"channel":0,"num_words":93,"start":742.225,"end":792.435},{"sentences":[{"text":"Yep.","start":792.39,"end":792.89,"sentiment":"neutral","sentiment_score":0.05161577463150024}],"sentiment":"neutral","sentiment_score":0.05161577463150024,"channel":1,"num_words":1,"start":792.39,"end":792.89},{"sentences":[{"text":"US there as well.","start":792.435,"end":793.655,"sentiment":"neutral","sentiment_score":0.06980027910321951},{"text":"So not too different from what you you currently have.","start":794.675,"end":797.575,"sentiment":"neutral","sentiment_score":0.028129247575998308},{"text":"It'll just be sort of spaced across a number of different investments and sort of have a less allocation to that Australian 200.","start":797.635,"end":803.735,"sentiment":"neutral","sentiment_score":0.022329655030499333},{"text":"I'll get them to update that, and we'll resend you that document there.","start":804.2,"end":807.0,"sentiment":"neutral","sentiment_score":0.11943231351100482},{"text":"So don't worry about signing or anything today there, Sean,","start":807.0,"end":810.06,"sentiment":"neutral","sentiment_score":0.13327402248978615}],"sentiment":"neutral","sentiment_score":0.06599059930692117,"channel":0,"num_words":60,"start":792.435,"end":810.06},{"sentences":[{"text":"Okay.","start":809.65497,"end":810.15497,"sentiment":"neutral","sentiment_score":0.14962773025035858},{"text":"Yep.","start":810.535,"end":811.035,"sentiment":"neutral","sentiment_score":0.1434510052204132}],"sentiment":"neutral","sentiment_score":0.1465393677353859,"channel":1,"num_words":2,"start":809.65497,"end":811.035},{"sentences":[{"text":"and we'll get that one sorted.","start":810.6,"end":812.22003,"sentiment":"neutral","sentiment_score":0.11147765877346198},{"text":"Apologies for the the mix up","start":812.28,"end":813.88,"sentiment":"neutral","sentiment_score":-0.09467561915516853}],"sentiment":"neutral","sentiment_score":0.008401019809146723,"channel":0,"num_words":12,"start":810.6,"end":813.88},{"sentences":[{"text":"Excellent.","start":813.735,"end":814.235,"sentiment":"neutral","sentiment_score":0.32983481884002686}],"sentiment":"neutral","sentiment_score":0.32983481884002686,"channel":1,"num_words":1,"start":813.735,"end":814.235},{"sentences":[{"text":"there.","start":813.88,"end":814.38,"sentiment":"neutral","sentiment_score":0.2408926486968994}],"sentiment":"neutral","sentiment_score":0.2408926486968994,"channel":0,"num_words":1,"start":813.88,"end":814.38},{"sentences":[{"text":"Hi, drivers.","start":814.615,"end":815.27496,"sentiment":"neutral","sentiment_score":0.2516709715127945}],"sentiment":"neutral","sentiment_score":0.2516709715127945,"channel":1,"num_words":2,"start":814.615,"end":815.27496},{"sentences":[{"text":"It just seems like they've selected the one over, so that's more than fine.","start":815.97504,"end":820.075,"sentiment":"neutral","sentiment_score":0.27965125547988073},{"text":"But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth.","start":820.455,"end":831.515,"sentiment":"neutral","sentiment_score":0.3102040831531797},{"text":"You just","start":831.54,"end":831.94,"sentiment":"positive","sentiment_score":0.5240383744239807}],"sentiment":"neutral","sentiment_score":0.3102026909005408,"channel":0,"num_words":51,"start":815.97504,"end":831.94},{"sentences":[{"text":"Yay.","start":831.79004,"end":832.29004,"sentiment":"positive","sentiment_score":0.6476761102676392}],"sentiment":"positive","sentiment_score":0.6476761102676392,"channel":1,"num_words":1,"start":831.79004,"end":832.29004},{"sentences":[{"text":"won't have any manager risk with that.","start":831.94,"end":834.27997,"sentiment":"neutral","sentiment_score":0.3117753288575581},{"text":"It'll be a nice passive approach there.","start":834.42,"end":836.6,"sentiment":"positive","sentiment_score":0.46978428959846497}],"sentiment":"positive","sentiment_score":0.39077980922801153,"channel":0,"num_words":14,"start":831.94,"end":836.6},{"sentences":[{"text":"Yep.","start":837.14496,"end":837.545,"sentiment":"neutral","sentiment_score":0.2615707516670227},{"text":"Okay.","start":837.545,"end":838.045,"sentiment":"neutral","sentiment_score":0.24131861329078672}],"sentiment":"neutral","sentiment_score":0.2514446824789047,"channel":1,"num_words":2,"start":837.14496,"end":838.045},{"sentences":[{"text":"Now, obviously, in regards to the tables there as well, I'll just get them to check all that and make sure that is all correct before saying that out.","start":839.06,"end":844.89996,"sentiment":"neutral","sentiment_score":0.09668404159360919},{"text":"But, obviously, it'll illustrate there in regards","start":844.89996,"end":847.875,"sentiment":"neutral","sentiment_score":-0.007813301868736744}],"sentiment":"neutral","sentiment_score":0.07636511369815303,"channel":0,"num_words":36,"start":839.06,"end":847.875},{"sentences":[{"text":"Yep.","start":847.625,"end":848.04,"sentiment":"neutral","sentiment_score":0.0022564264945685863}],"sentiment":"neutral","sentiment_score":0.0022564264945685863,"channel":1,"num_words":1,"start":847.625,"end":848.04},{"sentences":[{"text":"to that how that might look","start":847.875,"end":850.615,"sentiment":"neutral","sentiment_score":0.0025803626825412116}],"sentiment":"neutral","sentiment_score":0.0025803626825412116,"channel":0,"num_words":6,"start":847.875,"end":850.615},{"sentences":[{"text":"So","start":851.8,"end":852.04,"sentiment":"neutral","sentiment_score":-0.007561377249658108}],"sentiment":"neutral","sentiment_score":-0.007561377249658108,"channel":1,"num_words":1,"start":851.8,"end":852.04},{"sentences":[{"text":"over","start":851.875,"end":852.375,"sentiment":"neutral","sentiment_score":-0.000614730641245842}],"sentiment":"neutral","sentiment_score":-0.000614730641245842,"channel":0,"num_words":1,"start":851.875,"end":852.375},{"sentences":[{"text":"look, just 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where it's","start":853.56,"end":854.92,"sentiment":"neutral","sentiment_score":0.0026163521222770216}],"sentiment":"neutral","sentiment_score":0.0026163521222770216,"channel":1,"num_words":5,"start":853.56,"end":854.92},{"sentences":[{"text":"yep.","start":854.83496,"end":855.33496,"sentiment":"neutral","sentiment_score":0.0095007736235857}],"sentiment":"neutral","sentiment_score":0.0095007736235857,"channel":0,"num_words":1,"start":854.83496,"end":855.33496},{"sentences":[{"text":"got Better Stares Australia 200,","start":854.92,"end":857.1,"sentiment":"neutral","sentiment_score":0.044892724975943564}],"sentiment":"neutral","sentiment_score":0.044892724975943564,"channel":1,"num_words":5,"start":854.92,"end":857.1},{"sentences":[{"text":"Yep.","start":857.555,"end":858.055,"sentiment":"neutral","sentiment_score":0.02242758870124817}],"sentiment":"neutral","sentiment_score":0.02242758870124817,"channel":0,"num_words":1,"start":857.555,"end":858.055},{"sentences":[{"text":"and then it's got current balance of 45, and it says buy sell minus 34,000.","start":857.56,"end":862.27997,"sentiment":"neutral","sentiment_score":-0.0144570702376465},{"text":"What's that mean?","start":862.27997,"end":863.25995,"sentiment":"neutral","sentiment_score":-0.030339478825529415}],"sentiment":"neutral","sentiment_score":-0.017104138335626986,"channel":1,"num_words":18,"start":857.56,"end":863.25995},{"sentences":[{"text":"So when you do see that when it it does get adjusted there, so obviously that's the the wrong buy sell spread.","start":863.89,"end":869.97003,"sentiment":"neutral","sentiment_score":-0.16340708190744574},{"text":"On the the left hand side, you'll be able to see your actual portfolios.","start":869.97003,"end":873.09,"sentiment":"neutral","sentiment_score":0.01992435540471758},{"text":"You currently, you have 40% in the BetaShares Australian two hundred.","start":873.09,"end":876.235,"sentiment":"neutral","sentiment_score":0.030824207108129154}],"sentiment":"neutral","sentiment_score":-0.06333933081081573,"channel":0,"num_words":47,"start":863.89,"end":876.235},{"sentences":[{"text":"Yep.","start":876.145,"end":876.625,"sentiment":"neutral","sentiment_score":0.07617928832769394}],"sentiment":"neutral","sentiment_score":0.07617928832769394,"channel":1,"num_words":1,"start":876.145,"end":876.625},{"sentences":[{"text":"And what","start":876.375,"end":876.775,"sentiment":"neutral","sentiment_score":0.04244072735309601}],"sentiment":"neutral","sentiment_score":0.04244072735309601,"channel":0,"num_words":2,"start":876.375,"end":876.775},{"sentences":[{"text":"I","start":876.625,"end":876.785,"sentiment":"neutral","sentiment_score":0.032211221754550934}],"sentiment":"neutral","sentiment_score":0.032211221754550934,"channel":1,"num_words":1,"start":876.625,"end":876.785},{"sentences":[{"text":"they'll,","start":876.775,"end":877.275,"sentiment":"neutral","sentiment_score":0.04717792943120003}],"sentiment":"neutral","sentiment_score":0.04717792943120003,"channel":0,"num_words":1,"start":876.775,"end":877.275},{"sentences":[{"text":"see that.","start":876.785,"end":877.605,"sentiment":"neutral","sentiment_score":0.034868666902184486}],"sentiment":"neutral","sentiment_score":0.034868666902184486,"channel":1,"num_words":2,"start":876.785,"end":877.605},{"sentences":[{"text":"yeah, what they'll illustrate is what what you'd be selling out of that versus what you'd be buying into on the right hand side to show you what the balances would be.","start":877.655,"end":886.555,"sentiment":"neutral","sentiment_score":0.03635462208694662},{"text":"So on the right hand columns, you'd 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recommending","start":1444.875,"end":1448.315,"sentiment":"positive","sentiment_score":0.4300951932867368}],"sentiment":"neutral","sentiment_score":0.15968632364335159,"channel":0,"num_words":48,"start":1434.8201,"end":1448.315},{"sentences":[{"text":"Yep.","start":1448.195,"end":1448.695,"sentiment":"positive","sentiment_score":0.4375337064266205}],"sentiment":"positive","sentiment_score":0.4375337064266205,"channel":1,"num_words":1,"start":1448.195,"end":1448.695},{"sentences":[{"text":"to is paid out of super, so that helps the out of pocket cost there as well.","start":1448.315,"end":1451.775,"sentiment":"positive","sentiment_score":0.5249272760222939},{"text":"And then with that, Ascender did give the most favorable underwriting terms.","start":1451.835,"end":1455.835,"sentiment":"positive","sentiment_score":0.4504079148173332},{"text":"And then with the buybacks and links and everything like that, you still have a comprehensive policy for that life and total permanent disability if anything was to happen.","start":1455.835,"end":1463.8099,"sentiment":"positive","sentiment_score":0.4238989779661442}],"sentiment":"positive","sentiment_score":0.4589953281242272,"channel":0,"num_words":58,"start":1448.315,"end":1463.8099},{"sentences":[{"text":"Yep.","start":1464.4299,"end":1464.9299,"sentiment":"neutral","sentiment_score":0.21719007194042209}],"sentiment":"neutral","sentiment_score":0.21719007194042209,"channel":1,"num_words":1,"start":1464.4299,"end":1464.9299},{"sentences":[{"text":"I think,","start":1466.19,"end":1466.75,"sentiment":"neutral","sentiment_score":0.11840328946709633}],"sentiment":"neutral","sentiment_score":0.11840328946709633,"channel":0,"num_words":2,"start":1466.19,"end":1466.75},{"sentences":[{"text":"Yep.","start":1466.59,"end":1467.09,"sentiment":"neutral","sentiment_score":0.06355294585227966}],"sentiment":"neutral","sentiment_score":0.06355294585227966,"channel":1,"num_words":1,"start":1466.59,"end":1467.09},{"sentences":[{"text":"obviously, the risk is is obviously you still gotta meet the definitions of the claim if anything were to happen outlined in the PDFs that we do provide.","start":1466.75,"end":1473.395,"sentiment":"neutral","sentiment_score":-0.03738114583705153},{"text":"Obviously, we'll update this document and send it, and you'll be able to read through all of that as well.","start":1473.395,"end":1477.3151,"sentiment":"neutral","sentiment_score":0.1817888867110014},{"text":"There is a quote there as well to show you illustrate what that looks like in terms of, like, the cost premium plus that is with the loading.","start":1477.3151,"end":1485.56,"sentiment":"neutral","sentiment_score":0.045691214102719514},{"text":"So if you don't get the loading, it will be slightly less than that as well.","start":1485.56,"end":1488.54,"sentiment":"neutral","sentiment_score":-0.13201916636899114}],"sentiment":"neutral","sentiment_score":0.019088619388639927,"channel":0,"num_words":92,"start":1466.75,"end":1488.54},{"sentences":[{"text":"Yep.","start":1488.92,"end":1489.42,"sentiment":"neutral","sentiment_score":0.05244361609220505}],"sentiment":"neutral","sentiment_score":0.05244361609220505,"channel":1,"num_words":1,"start":1488.92,"end":1489.42},{"sentences":[{"text":"And then we also considered rewriting the IP, but, obviously, we're keeping that at the moment, group insurances, level premiums, things like that as well.","start":1489.56,"end":1496.52,"sentiment":"neutral","sentiment_score":-0.0022169923642650245},{"text":"But all of those came at a lot higher cost there as well.","start":1496.52,"end":1500.195,"sentiment":"neutral","sentiment_score":-0.26798588266739476},{"text":"And then","start":1500.5149,"end":1500.835,"sentiment":"neutral","sentiment_score":-0.04744561016559601}],"sentiment":"neutral","sentiment_score":-0.09085331260284875,"channel":0,"num_words":40,"start":1489.56,"end":1500.835},{"sentences":[{"text":"Yep.","start":1500.8151,"end":1501.3151,"sentiment":"neutral","sentiment_score":-0.06736882030963898}],"sentiment":"neutral","sentiment_score":-0.06736882030963898,"channel":1,"num_words":1,"start":1500.8151,"end":1501.3151},{"sentences":[{"text":"with the other insurers, some of them didn't come back as with some favorable terms.","start":1500.835,"end":1504.695,"sentiment":"neutral","sentiment_score":-0.10493739123145739}],"sentiment":"neutral","sentiment_score":-0.10493739123145739,"channel":0,"num_words":15,"start":1500.835,"end":1504.695},{"sentences":[{"text":"Alright.","start":1505.775,"end":1506.275,"sentiment":"neutral","sentiment_score":0.15272235870361328},{"text":"That's fine.","start":1510.415,"end":1511.3151,"sentiment":"neutral","sentiment_score":0.2817695736885071}],"sentiment":"neutral","sentiment_score":0.23875383536020914,"channel":1,"num_words":3,"start":1505.775,"end":1511.3151},{"sentences":[{"text":"But do you have any questions in regards to those insurances or the?","start":1511.715,"end":1516.1349,"sentiment":"neutral","sentiment_score":0.025010250365504853}],"sentiment":"neutral","sentiment_score":0.025010250365504853,"channel":0,"num_words":13,"start":1511.715,"end":1516.1349},{"sentences":[{"text":"Nah.","start":1516.4601,"end":1516.7001,"sentiment":"neutral","sentiment_score":0.008813172578811646},{"text":"Nah.","start":1516.7001,"end":1516.9401,"sentiment":"neutral","sentiment_score":0.04019162058830261},{"text":"It's pretty straightforward.","start":1516.9401,"end":1517.92,"sentiment":"neutral","sentiment_score":0.19062436123689017}],"sentiment":"neutral","sentiment_score":0.12417557537555694,"channel":1,"num_words":5,"start":1516.4601,"end":1517.92},{"sentences":[{"text":"Yep.","start":1519.37,"end":1519.8501,"sentiment":"neutral","sentiment_score":0.14033231139183044},{"text":"Obviously, in regards to the fee, it's still the 1.65%, and then","start":1519.8501,"end":1524.7301,"sentiment":"neutral","sentiment_score":-0.0393498542252928}],"sentiment":"neutral","sentiment_score":-0.02552814917782178,"channel":0,"num_words":13,"start":1519.37,"end":1524.7301},{"sentences":[{"text":"Yep.","start":1524.4601,"end":1524.9601,"sentiment":"neutral","sentiment_score":-0.04752431809902191}],"sentiment":"neutral","sentiment_score":-0.04752431809902191,"channel":1,"num_words":1,"start":1524.4601,"end":1524.9601},{"sentences":[{"text":"it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy.","start":1524.7301,"end":1532.505,"sentiment":"neutral","sentiment_score":0.10401926547862016},{"text":"That's not an additional cost you pay.","start":1532.505,"end":1534.025,"sentiment":"neutral","sentiment_score":0.14357346828494752},{"text":"That's what the insurer pays us out of what you pay to them as a premium.","start":1534.025,"end":1537.5651,"sentiment":"neutral","sentiment_score":0.15324072865769267},{"text":"And","start":1537.785,"end":1537.9451,"sentiment":"neutral","sentiment_score":0.08597201108932495}],"sentiment":"neutral","sentiment_score":0.12494677700102329,"channel":0,"num_words":50,"start":1524.7301,"end":1537.9451},{"sentences":[{"text":"Yep.","start":1537.9349,"end":1538.4349,"sentiment":"neutral","sentiment_score":0.0719640702009201}],"sentiment":"neutral","sentiment_score":0.0719640702009201,"channel":1,"num_words":1,"start":1537.9349,"end":1538.4349},{"sentences":[{"text":"then that one, yeah, we just have to disclose it.","start":1537.9451,"end":1541.52,"sentiment":"neutral","sentiment_score":0.033682084269821645}],"sentiment":"neutral","sentiment_score":0.033682084269821645,"channel":0,"num_words":10,"start":1537.9451,"end":1541.52},{"sentences":[{"text":"Yep.","start":1541.75,"end":1542.15,"sentiment":"neutral","sentiment_score":0.0651576966047287},{"text":"No.","start":1542.15,"end":1542.3099,"sentiment":"neutral","sentiment_score":-0.016467725858092308},{"text":"That's why I'm reading that now, the remuneration and the ongoing percentage and fees.","start":1542.3099,"end":1548.47,"sentiment":"neutral","sentiment_score":-0.008490378627487059},{"text":"Yeah.","start":1548.47,"end":1548.63,"sentiment":"neutral","sentiment_score":0.09730096906423567},{"text":"I'm looking at that now.","start":1548.63,"end":1549.6699,"sentiment":"neutral","sentiment_score":0.10533742010593414}],"sentiment":"neutral","sentiment_score":0.025173306343442,"channel":1,"num_words":22,"start":1541.75,"end":1549.6699},{"sentences":[{"text":"Yep.","start":1549.6699,"end":1549.91,"sentiment":"neutral","sentiment_score":0.2078145146369934},{"text":"That's fine.","start":1549.91,"end":1550.73,"sentiment":"neutral","sentiment_score":0.32096920907497406}],"sentiment":"neutral","sentiment_score":0.28325097759564716,"channel":1,"num_words":3,"start":1549.6699,"end":1550.73},{"sentences":[{"text":"Yeah.","start":1550.88,"end":1551.2001,"sentiment":"neutral","sentiment_score":0.2059047818183899},{"text":"Well, in regards to, like, the document, obviously, we'll get updates.","start":1551.2001,"end":1554.8,"sentiment":"neutral","sentiment_score":0.10754318535327911},{"text":"Don't worry about signing it there.","start":1554.8,"end":1555.76,"sentiment":"neutral","sentiment_score":0.08805717900395393},{"text":"If you were to sign,","start":1555.76,"end":1556.955,"sentiment":"neutral","sentiment_score":0.08238442987203598}],"sentiment":"neutral","sentiment_score":0.10126717582992885,"channel":0,"num_words":23,"start":1550.88,"end":1556.955},{"sentences":[{"text":"Yep.","start":1557.475,"end":1557.975,"sentiment":"neutral","sentiment_score":0.11342279613018036}],"sentiment":"neutral","sentiment_score":0.11342279613018036,"channel":1,"num_words":1,"start":1557.475,"end":1557.975},{"sentences":[{"text":"basically, they'd get the the trade implemented to update the investments.","start":1558.1549,"end":1562.1749,"sentiment":"neutral","sentiment_score":0.16179293258623642},{"text":"And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you.","start":1562.475,"end":1568.3949,"sentiment":"neutral","sentiment_score":0.20678093612194062},{"text":"And then we'd still just maintain that Neos policy in the meantime until time we got the new cover just in case anything else came up.","start":1568.3949,"end":1574.67,"sentiment":"neutral","sentiment_score":0.1452134678570124}],"sentiment":"neutral","sentiment_score":0.17298057783515222,"channel":0,"num_words":62,"start":1558.1549,"end":1574.67},{"sentences":[{"text":"Yep.","start":1575.0599,"end":1575.46,"sentiment":"neutral","sentiment_score":0.14071425795555115},{"text":"Right.","start":1575.46,"end":1575.96,"sentiment":"neutral","sentiment_score":0.14737242460250854}],"sentiment":"neutral","sentiment_score":0.14404334127902985,"channel":1,"num_words":2,"start":1575.0599,"end":1575.96},{"sentences":[{"text":"Not a problem at all, Sean.","start":1576.97,"end":1578.01,"sentiment":"neutral","sentiment_score":0.30997370680173236},{"text":"Do you have any questions in regards to to anything while you've got me there?","start":1578.01,"end":1581.23,"sentiment":"neutral","sentiment_score":0.10590154280265172}],"sentiment":"neutral","sentiment_score":0.16420787537381762,"channel":0,"num_words":21,"start":1576.97,"end":1581.23},{"sentences":[{"text":"No.","start":1581.475,"end":1581.875,"sentiment":"neutral","sentiment_score":0.09439660608768465},{"text":"I think it's pretty straightforward.","start":1581.875,"end":1582.995,"sentiment":"neutral","sentiment_score":0.18595141172409058},{"text":"Sorry.","start":1582.995,"end":1583.315,"sentiment":"neutral","sentiment_score":-0.002736605703830719},{"text":"By the sign issue, send me another email with the documents to sign 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me.","start":1590.275,"end":1592.96,"sentiment":"neutral","sentiment_score":-0.18999885953962803}],"sentiment":"neutral","sentiment_score":-0.10081285085262996,"channel":1,"num_words":28,"start":1587.155,"end":1592.96},{"sentences":[{"text":"No.","start":1593.065,"end":1593.385,"sentiment":"neutral","sentiment_score":-0.1158089116215706},{"text":"We'll get that all updated with the the actual document there because as I said, that's just that","start":1593.385,"end":1598.5599,"sentiment":"neutral","sentiment_score":-0.11941858174072371}],"sentiment":"neutral","sentiment_score":-0.11922859910287355,"channel":0,"num_words":19,"start":1593.065,"end":1598.5599},{"sentences":[{"text":"Yep.","start":1598.46,"end":1598.96,"sentiment":"neutral","sentiment_score":-0.12355577945709229}],"sentiment":"neutral","sentiment_score":-0.12355577945709229,"channel":1,"num_words":1,"start":1598.46,"end":1598.96},{"sentences":[{"text":"trade section there is just incorrect there.","start":1598.5599,"end":1601.76,"sentiment":"neutral","sentiment_score":-0.2082922969545637},{"text":"So we'll get that sorted there, and we'll get that resend out to you.","start":1601.76,"end":1604.7999,"sentiment":"neutral","sentiment_score":-0.007285738230815956},{"text":"And then you can just have a review through it if you want, have a look at it.","start":1604.7999,"end":1607.36,"sentiment":"neutral","sentiment_score":0.17362548576460946},{"text":"You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get 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it sent back out to you.","start":1618.9551,"end":1621.62,"sentiment":"neutral","sentiment_score":0.09202956434871469}],"sentiment":"neutral","sentiment_score":0.11160065399275886,"channel":0,"num_words":45,"start":1612.3151,"end":1621.62},{"sentences":[{"text":"Yeah.","start":1621.89,"end":1622.05,"sentiment":"neutral","sentiment_score":0.26029226183891296},{"text":"That's fine.","start":1622.05,"end":1622.6901,"sentiment":"positive","sentiment_score":0.38602302968502045},{"text":"No dramas at all.","start":1622.6901,"end":1623.7301,"sentiment":"neutral","sentiment_score":0.1320507973432541},{"text":"I'll have a look over it quickly, and then I'll then I'll sign up.","start":1623.7301,"end":1626.37,"sentiment":"neutral","sentiment_score":0.2319293756570135},{"text":"But, yeah, everything else seems pretty good.","start":1626.37,"end":1628.31,"sentiment":"positive","sentiment_score":0.6117070146969387}],"sentiment":"neutral","sentiment_score":0.3246250668806689,"channel":1,"num_words":28,"start":1621.89,"end":1628.31},{"sentences":[{"text":"Not a problem at all, Sean.","start":1629.0599,"end":1630.1,"sentiment":"positive","sentiment_score":0.46015165746212006},{"text":"Well, if you don't have any other questions for me, I'll let you get back to it, and then, yeah, just reach out if you do have any questions regarding that.","start":1630.1,"end":1635.7108,"sentiment":"neutral","sentiment_score":0.2130959750183167}],"sentiment":"neutral","sentiment_score":0.2531590586578524,"channel":0,"num_words":37,"start":1629.0599,"end":1635.7108},{"sentences":[{"text":"Beautiful.","start":1636.065,"end":1636.565,"sentiment":"positive","sentiment_score":0.7906951904296875},{"text":"No problem at 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time.","start":1639.4708,"end":1640.2108,"sentiment":"positive","sentiment_score":0.7716305255889893}],"sentiment":"positive","sentiment_score":0.7716305255889893,"channel":0,"num_words":3,"start":1639.4708,"end":1640.2108},{"sentences":[{"text":"Cheers.","start":1639.825,"end":1640.1449,"sentiment":"positive","sentiment_score":0.7166654467582703},{"text":"Thank you.","start":1640.1449,"end":1640.5449,"sentiment":"positive","sentiment_score":0.773973822593689},{"text":"You too.","start":1640.5449,"end":1641.2849,"sentiment":"positive","sentiment_score":0.581897646188736}],"sentiment":"positive","sentiment_score":0.685681676864624,"channel":1,"num_words":5,"start":1639.825,"end":1641.2849},{"sentences":[{"text":"Thanks.","start":1641.2308,"end":1641.6309,"sentiment":"positive","sentiment_score":0.6685221195220947},{"text":"Bye.","start":1641.6309,"end":1642.1309,"sentiment":"positive","sentiment_score":0.44805464148521423}],"sentiment":"positive","sentiment_score":0.5582883805036545,"channel":0,"num_words":2,"start":1641.2308,"end":1642.1309},{"sentences":[{"text":"Thank you.","start":1641.9049,"end":1642.465,"sentiment":"positive","sentiment_score":0.6606030166149139},{"text":"Bye.","start":1642.465,"end":1642.965,"sentiment":"neutral","sentiment_score":-0.10516362637281418}],"sentiment":"positive","sentiment_score":0.4053474689523379,"channel":1,"num_words":3,"start":1641.9049,"end":1642.965}]},"summary":{"result":"success","short":"During a conversation between Acute Financial agent and customer, they discuss the impact of the Trump- impeachment on the stock market and the importance of maintaining net wealth and adjusting investments. The speaker explains the process for updating personal information and reviewing investment portfolios, as well as the risk profile of the portfolio and reducing risk. They also discuss the allocation of the portfolio and the possibility of reducing risk and maintaining a high growth adjustment. The conversation also covers insurance premiums, coverage options for mental health and shoulder injury, and the comprehensive policy. The customer is instructed to review the documents and sign them."},"intents":{"segments":[{"text":"I just got you in for your statement of advice presentation. Now is still a good time for you?","start_word":21,"end_word":39,"intents":[{"intent":"Send statement advice","confidence_score":0.44597465}]},{"text":"Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that? Yeah.","start_word":109,"end_word":135,"intents":[{"intent":"Confirm details","confidence_score":0.439816}]},{"text":"So I'll be sending this out there, Sean. I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com. That's the one? Perfect.","start_word":144,"end_word":172,"intents":[{"intent":"Confirm email","confidence_score":0.0061140936}]},{"text":"So this is just for your updated statement advice. I'll run through it there with you today. How much time do you sort of have? Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna No.","start_word":173,"end_word":222,"intents":[{"intent":"Run through statement advice","confidence_score":0.24093364},{"intent":"Provide advice","confidence_score":0.00013973926}]},{"text":"How much time do you sort of have? Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna No.","start_word":190,"end_word":222,"intents":[{"intent":"Provide information","confidence_score":0.00091375236}]},{"text":"Just just giving my car a bit of a a detail before the Easter weekend.","start_word":345,"end_word":359,"intents":[{"intent":"Provide car details","confidence_score":0.12957703}]},{"text":"So there is a link there for the signable document, which is the statement advice. There is a quote there. If you're sort of accepting everything there as well, they'd get you to sign the the quote as well, but it just wasn't advice. Statement of advice.","start_word":437,"end_word":483,"intents":[{"intent":"Discuss quote acceptance","confidence_score":0.0016300996}]},{"text":"How are the stock markets traveling after Donald Trump invasion?","start_word":493,"end_word":502,"intents":[{"intent":"Explain stock markets performance","confidence_score":0.0006499876}]},{"text":"So once everything sort of in the dust settles, although, you know, we might be still paying $3 a liter for diesel for a little bit longer, as far as Yep. the stock market's probably concerned, they probably will rebound quite quickly in terms of that one. It's also our cost of living and lifestyle expenses that will probably remain higher for longer. Yep.","start_word":563,"end_word":626,"intents":[{"intent":"Highlight price differences","confidence_score":0.000100775556}]},{"text":"But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like Yep. and then the recovery from that.","start_word":632,"end_word":672,"intents":[{"intent":"Discuss recovery from tariff talk","confidence_score":0.2787445}]},{"text":"But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like Yep. and then the recovery from that. And then, obviously, we've had another hit from there. But overall, hopefully, moving forward, there's not too many things like that that do occur. Yeah.","start_word":632,"end_word":697,"intents":[{"intent":"Discuss tariff talk","confidence_score":0.4320382}]},{"text":"Now a part of that was, obviously, you decided to keep that IP policy, and the last bit was just reviewing that life and TPD to see if there's a more adequate policy that we could rewrite to Yep. just for cheaper premiums moving forward.","start_word":789,"end_word":833,"intents":[{"intent":"Review portfolio policies","confidence_score":0.0012845016}]},{"text":"So if anything did occur outside of that, that you are covered, and then that Neos wouldn't sort of look at to come knowing a claim. So moving Yep.","start_word":1102,"end_word":1130,"intents":[{"intent":"Confirm coverage","confidence_score":0.036733758}]},{"text":"Now as far as retaining net wealth there and updating your portfolio to to a nice new high growth adjustment there with the changes that have occurred Yep. in the market there currently. It just means that one, you've removed that manager risk. You don't have that moving forward. You have a cheaper investment option moving forward, and that has historically performed really well. And then Yep.","start_word":1529,"end_word":1595,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.0010719333}]},{"text":"So we wanna diversify across a few more Yep.","start_word":2003,"end_word":2011,"intents":[{"intent":"Optimize portfolio diversification","confidence_score":0.12260731}]},{"text":"I believe that investment table might be the wrong table that that's gone into. So Right.","start_word":2192,"end_word":2207,"intents":[{"intent":"Update investment table","confidence_score":0.38006717},{"intent":"Verify table compatibility","confidence_score":0.000037054688}]},{"text":"In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you. Yep.","start_word":2228,"end_word":2250,"intents":[{"intent":"Update investments","confidence_score":0.0037158933}]},{"text":"But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before.","start_word":2251,"end_word":2282,"intents":[{"intent":"Recommend portfolio recommendation","confidence_score":0.031188698},{"intent":"Confirm recommendations","confidence_score":0.0009397577}]},{"text":"But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before. Yes.","start_word":2251,"end_word":2283,"intents":[{"intent":"Sort portfolio","confidence_score":0.0053751795}]},{"text":"It just seems like they've selected the one over, so that's more than fine. But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth.","start_word":2423,"end_word":2471,"intents":[{"intent":"Set policies for growth","confidence_score":3.5882326e-7}]},{"text":"It just seems like they've selected the one over, so that's more than fine. But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth. You just Yay.","start_word":2423,"end_word":2474,"intents":[{"intent":"Confirm allocation","confidence_score":0.007613038}]},{"text":"On the the left hand side, you'll be able to see your actual portfolios. You currently, you have 40% in the BetaShares Australian two hundred. Yep.","start_word":2596,"end_word":2621,"intents":[{"intent":"Guide portfolio management","confidence_score":0.00023460505}]},{"text":"And on that right hand side, you'll be able to see the percentages for each different one.","start_word":2889,"end_word":2905,"intents":[{"intent":"Evaluate portfolio proportions","confidence_score":0.032793123}]},{"text":"But, obviously, you don't Nope. wanna be overweight in anything too much, specifically No. when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies.","start_word":3213,"end_word":3248,"intents":[{"intent":"Discussing options","confidence_score":0.0010173997}]},{"text":"when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies. Gold's Yep. just gold at the end of the day. It's purely Yep. linked to what the price of gold's doing.","start_word":3226,"end_word":3268,"intents":[{"intent":"Explaining pricing structure","confidence_score":0.000004685342}]},{"text":"And then within regards to the insurances and the new insurance recommendation, the premium will be a lot lower, which will save on those fees moving forward, which will help go towards Thirteen investing 13. Sure. more.","start_word":3423,"end_word":3459,"intents":[{"intent":"Discussing insurance premiums","confidence_score":0.27478498}]},{"text":"You'd have the same exclusions or loadings you should potentially on your current policy anyway.","start_word":3524,"end_word":3538,"intents":[{"intent":"Discussing current policy policy","confidence_score":0.00025740886},{"intent":"Explaining policy information","confidence_score":0.00007865191}]},{"text":"So if you did go down to page 18 there, you can see the policy you're recommending is 350,000 of life and total permanent disability, and it works out to be around a thousand dollars per annum after the 15% rebate in super. It Yep.","start_word":3645,"end_word":3689,"intents":[{"intent":"Clarify policy coverage","confidence_score":0.09144278}]},{"text":"It is a really comprehensive policy for how long you've held it, the benefits you do get with that, and you have claimed on a few times there in the past as well. So looking at Yeah.","start_word":4094,"end_word":4130,"intents":[{"intent":"Clarify policy details","confidence_score":0.009451375}]},{"text":"do get to that point, we can obviously look at what cover is available. Obviously, it's a little harder given that you have, like, claimed on some form of IP in the past as well, Yeah.","start_word":4310,"end_word":4345,"intents":[{"intent":"Understand coverage available","confidence_score":0.000008571662}]},{"text":"But do you have any questions in regards to those insurances or the?","start_word":4925,"end_word":4937,"intents":[{"intent":"Discuss insurance implications","confidence_score":0.0001077572}]},{"text":"it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy. That's not an additional cost you pay. That's what the insurer pays us out of what you pay to them as a premium. And Yep.","start_word":4958,"end_word":5008,"intents":[{"intent":"Define policy cost","confidence_score":0.00040119997}]},{"text":"That's why I'm reading that now, the remuneration and the ongoing percentage and fees. Yeah.","start_word":5020,"end_word":5034,"intents":[{"intent":"Check documents","confidence_score":0.0028034463}]},{"text":"Well, in regards to, like, the document, obviously, we'll get updates. Don't worry about signing it there. If you were to sign, Yep. basically, they'd get the the trade implemented to update the investments. And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you.","start_word":5044,"end_word":5102,"intents":[{"intent":"Update documents","confidence_score":0.022332562}]},{"text":"Not a problem at all, Sean. Do you have any questions in regards to to anything while you've got me there? No.","start_word":5131,"end_word":5152,"intents":[{"intent":"Ask questions","confidence_score":0.0038960753},{"intent":"Assist with issues","confidence_score":0.00032893635}]},{"text":"By the sign issue, send me another email with the documents to sign with Yep. the update, and then I'll then I'll click on that to sign and then sign them. So you don't want me to sign this one you've sent me.","start_word":5159,"end_word":5201,"intents":[{"intent":"Send documents","confidence_score":0.35988504}]},{"text":"And then you can just have a review through it if you want, have a look at it. You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get a chance. Yep.","start_word":5243,"end_word":5287,"intents":[{"intent":"Review documents","confidence_score":0.1157763}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Hello? Sean. It's Carl calling from Acute Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1760416328907013},{"text":"Oh, good. Thanks. That's good to hear. I just got you in for your statement of advice presentation. Now is still a good time for you?","start_word":14,"end_word":39,"sentiment":"positive","sentiment_score":0.5006002187728882},{"text":"Not a problem at all. Just to jump into that one today, Sean, if I could just pass through security of that name, date of birth, and current address, we'll get stuck into that today. Sean Aiser. 20 35th 761 Coolbar Court, Highfields.","start_word":40,"end_word":82,"sentiment":"neutral","sentiment_score":0.13819698989391327},{"text":"Perfect. Thank you for that one.","start_word":83,"end_word":88,"sentiment":"positive","sentiment_score":0.612807035446167},{"text":"Now just because I know the last time we spoke was just the end of last year there, Sean. Yep. Can I just confirm in regards to your details that nothing largely has changed in regards to your occupation, current circumstances, debt levels, things like that? Yeah. No. No. Perfect. Everything's still the same.","start_word":89,"end_word":142,"sentiment":"neutral","sentiment_score":0.04579535499215126},{"text":"Brilliant.","start_word":143,"end_word":143,"sentiment":"positive","sentiment_score":0.443686842918396},{"text":"So I'll be sending this out there, Sean. I definitely know these calls are recorded for quality and training there, but we're going to SOSRacing39@Gmail.com. That's the one? Perfect. So this is just for your updated statement advice. I'll run through it there with you today. How much time do you sort of have? Do you want me to run through it quickly with you and then you can come back with any questions, or do you wanna No. No. go a bit I'm more into good. it? I'm pretty well finished for the day. So I've got plenty of time now.","start_word":144,"end_word":245,"sentiment":"neutral","sentiment_score":0.09905028343200684},{"text":"Perfect.","start_word":246,"end_word":246,"sentiment":"positive","sentiment_score":0.4481124877929687},{"text":"So that should show up in your inbox there shortly, and then we'll be able to go through that with you. Let me put you on a break. Bring up emails. No. It didn't come up yet. Might just take a a second there. Yeah. That's still nothing. It's probably a big file, so it's probably taking a little bit to download. Yeah. But generally, sometimes with the the larger ones, there are a few documents that do take a bit to to get through there. Yeah. That's right. I'll just keep refreshing until it pops up. Just just giving my car a bit of a a detail before the Easter weekend. Hopefully, it's a bit bit sunnier down your way.","start_word":247,"end_word":367,"sentiment":"neutral","sentiment_score":0.022790839125917964},{"text":"It's a bit wet and miserable.","start_word":368,"end_word":373,"sentiment":"negative","sentiment_score":-0.3900059461593628},{"text":"Yeah. It's Pretty good at the moment. Haven't don't think there's any plans for any rain around us at the moment or not for the next week anyway. Yeah.","start_word":374,"end_word":402,"sentiment":"neutral","sentiment_score":0.0022250034380704165},{"text":"That should be be alright. And then be a good weekend.","start_word":403,"end_word":413,"sentiment":"positive","sentiment_score":0.434617817401886},{"text":"Yeah. It should be. Here we go. Got it. Here we go. Ready? Let me ask that. Okay. Yep. I got it. 30. So there is a link there for the signable document, which is the statement advice. There is a quote there. If you're sort of accepting everything there as well, they'd get you to sign the the quote as well, but it just wasn't advice. Statement of advice. Okay. Hit that link there. Open that one up. How are the stock markets traveling after Donald Trump invasion? Decidedly not too great for the start of the year, but there has been a few days where it should cover a little bit. So in terms of, like, overall performance, probably not, like, the worst down. And, Yep. generally, with the regards to to wars, it, like, it dips quite significantly, and then it sorta rebounds quite quickly. Yep. So once everything sort of in the dust settles, although, you know, we might be still paying $3 a liter for diesel for a little bit longer, as far as Yep. the stock market's probably concerned, they probably will rebound quite quickly in terms of that one. It's also our cost of living and lifestyle expenses that will probably remain higher for longer. Yep. No. I understand that. Yeah. But other than that and that wall obviously, you saw with the tariff talk, and we had that conversation there as well in regards to how that dip occurred and what that looked like Yep. and then the recovery from that. And then, obviously, we've had another hit from there. But overall, hopefully, moving forward, there's not too many things like that that do occur. Yeah.","start_word":414,"end_word":697,"sentiment":"neutral","sentiment_score":-0.05639800429344177},{"text":"And we can get a bit of steady growth out of Sufan and then with the update there as well, hopefully.","start_word":698,"end_word":718,"sentiment":"positive","sentiment_score":0.4558869004249573},{"text":"Yep. Not That puts that you seems good.","start_word":719,"end_word":726,"sentiment":"neutral","sentiment_score":0.11891290545463562},{"text":"in, yeah, in a nice spot moving forward.","start_word":727,"end_word":734,"sentiment":"positive","sentiment_score":0.5486162900924683},{"text":"Now the document there is obviously created for yourself by myself and the team. It's an authorized effort in the Oakview Financial. In terms of the document itself, it is quite straightforward in the sense that we were mainly just looking at the investments inside the superannuation and then Yep. touching on the insurances. Now a part of that was, obviously, you decided to keep that IP policy, and the last bit was just reviewing that life and TPD to see if there's a more adequate policy that we could rewrite to Yep. just for cheaper premiums moving forward. So as far as it is limited to those two areas, they're quite simple in terms of the advice. And Yep. then with that, we did a review of your superannuation platform, your investments. It just worked out to be in your best interest at the moment. With the CGT, you did have liable just to maintain net wealth and just adjust the underlying investments. Now Yep. in the meantime there as well with the Bennelong and what happened with Bennelong, the business sent out that record of advice that moved you out of Bennelong. And then from Yep. there, we're just making a bit of a tweak because you are quite heavily weighted into one asset because that was the asset that they are away to. So you have about 40% in the a 200. We're just looking at sort of adjusting a little bit, making sure you're nice and diversified moving forward and not all your eggs are sort of in that one basket. Yep.","start_word":735,"end_word":1000,"sentiment":"neutral","sentiment_score":0.08002357184886932},{"text":"So, hopefully, you get nice long term growth.","start_word":1001,"end_word":1008,"sentiment":"positive","sentiment_score":0.5240654945373535},{"text":"And then applying for life and total permanent disability with a sender that's paid through the net worth much like your Neos policy. Just within regards to that one, what did occur when we deal with those pre assessments, in regards to the pins that you do hold in your your shoulder, and then also medication you take for for mental health, weren't sort of answered Yep. in the way, sort of the way those questions were worded to where it's potentially a nondisclosure. So we just wanna make sure that is disclosed. So if anything did occur outside of that, that you are covered, and then that Neos wouldn't sort of look at to come knowing a claim. So moving Yep.","start_word":1009,"end_word":1130,"sentiment":"neutral","sentiment_score":0.00698035399689049},{"text":"forward, you would have this shoulder and mental health exclusion.","start_word":1131,"end_word":1140,"sentiment":"negative","sentiment_score":-0.3907884657382965},{"text":"And then depending on how your sleep apnea is going, because I don't think you've mentioned it too much with us, because you currently have the loading for it. Are you currently using the machine? Do you still have sleep apnea there, Sean? But, yeah, I do use a machine. Yeah. So as long as that's under control, it can be standard rate. If not, you'll just still keep that 50% loading Yeah. there as Oh, well. well, I don't have any issues with it. I don't know. Yeah. So as long as you disclose that during the application process, that should be more Yep. than fine. But Yep. those are the three we're looking at. They should have been on your current policy anyway, but given that the way the questions were worded back then, obviously, it just didn't come up. So we just wanna make sure that moving forward that it is in there. Yep. Yep. That is fair enough. On page five and six, you'll be able to see just your current information there in regards to occupation, income, and then debts, assets, liabilities. Yep. Also, you only have really the mortgage left. So, you know, as you do get old and you pay down that, the like, given that your IP still is quite expensive, but you are still, you know, working in that, once you sort of pay down the mortgage or pay off considerable amount and get a bit of a savings going as well, we might be able to look at, you know, changing that or just getting rid of some of your insurance altogether to lower cost just when you don't have as much debt and don't need to cover for Yep. as much.","start_word":1141,"end_word":1432,"sentiment":"neutral","sentiment_score":0.07480355352163315},{"text":"Perfect.","start_word":1433,"end_word":1433,"sentiment":"positive","sentiment_score":0.5695455074310303},{"text":"Now in regards to your risk profile, we're just keeping you in high growth.","start_word":1434,"end_word":1447,"sentiment":"neutral","sentiment_score":0.22275424003601071},{"text":"That's what you scored. That's what you're happy to stay in.","start_word":1448,"end_word":1458,"sentiment":"positive","sentiment_score":0.6287029385566711},{"text":"Obviously, you've Yep. got a number of years until the age of 60 to even touch your money even if you could. So it just means Not you're at invested all. a little bit more aggressively for that time being, and then we can look at reducing that a bit later. It's a bit Yep. easier than trying to play and catch up, taking on a bit more risk now. Now as far as retaining net wealth there and updating your portfolio to to a nice new high growth adjustment there with the changes that have occurred Yep. in the market there currently. It just means that one, you've removed that manager risk. You don't have that moving forward.","start_word":1459,"end_word":1577,"sentiment":"neutral","sentiment_score":0.16193479299545288},{"text":"You have a cheaper investment option moving forward, and that has historically performed really well.","start_word":1578,"end_word":1592,"sentiment":"positive","sentiment_score":0.5467475652694702},{"text":"And then Yep. also within regards that tracking those indexes there and having nice diversification, it's gonna have a nice spread across different, not only regions, but also different companies there within those exchange traded funds. Okay. Now within regards to the CGT liability, just due to the little loss that did occur in with Benelon, in addition to the changes that are being made, you'll only pay around a $180 to make the changes that we're recommending, which Got means it doesn't come as a huge cost out of the portfolio it. Yep. to make Fine. those switches there. And then hopefully on that moving forward.","start_word":1593,"end_word":1699,"sentiment":"neutral","sentiment_score":0.20318603515625},{"text":"But Going good.","start_word":1700,"end_word":1702,"sentiment":"positive","sentiment_score":0.35068854689598083},{"text":"do you have any questions in regards to that investment K. update so far there, Sean? No. No.","start_word":1703,"end_word":1720,"sentiment":"neutral","sentiment_score":0.06172714009881019},{"text":"That's pretty good. Perfect.","start_word":1721,"end_word":1724,"sentiment":"positive","sentiment_score":0.4495787024497986},{"text":"So the main points there is it's in line with the risk profile.","start_word":1725,"end_word":1737,"sentiment":"neutral","sentiment_score":0.2490087598562241},{"text":"You still have the same allocation to growth assets as you do, like, currently.","start_word":1738,"end_word":1751,"sentiment":"positive","sentiment_score":0.3684629499912262},{"text":"You just won't have to manage your risk.","start_word":1752,"end_word":1759,"sentiment":"neutral","sentiment_score":0.2738645672798157},{"text":"You will have a lower cost investment, which means that more of your money goes into the actual investments themselves, and then you'll still be a client with OP. You'll still get all those benefits, and then you'll also have a lower allocation to any single asset and have a greater spread across a few there that improves that diversification.","start_word":1760,"end_word":1819,"sentiment":"positive","sentiment_score":0.558506525059541},{"text":"Yep. Okay. Having obviously, in regards to where the markets are at the moment, they are quite volatile. So anytime you do these changes, there is a time when you'll be in a cash portion. And if the market does go up in that time frame, then you might miss out on a bit of potential growth. If it goes the other way and takes a bit of a dip, it means that you sort of buy it at a bit of a lower cost. So either way, Yep. it might jump a little bit, but it's sort of negligible over the the long term there for you. Yep. We did also consider just leaving in your current portfolio. Although, historically, given the weightings that it would have performed potentially better over the last five years, but in saying that it is quite a high allocation to one asset and and if that asset was to do poorly, it'll end up in, like, another been a long situation where your whole portfolio takes a significant hit purely because one asset isn't doing great. So we wanna diversify across a few more Yep. there. We're gonna reduce the cost in regards to those investments. And then we also thought about keeping an active portion, but given the cost involved with that and how they are performing currently compared to the indexes, it just sort of looks to be better than keep you in a a more passive index approach moving forward. Alright. Okay. On page 13 there, you'll be able to see the buyers and sales and the change. The majority of it will come out of the BetaShares Australian two hundred, and then you'll also be moving there across from where you are currently with the iShares, Europe, Japan, S and P five hundred, and then moving across there. Sorry. I'll just have a quick look. I believe this table might just be a little bit incorrect there. Sorry. I'll just have a quick look. Looking at the table on page page 13. Yep. Yeah. Bear with me there. I'm just making sure that lines up. I'm not too sure if they've actually and then probably just bear with me, Sean. Yeah.","start_word":1820,"end_word":2191,"sentiment":"neutral","sentiment_score":0.021607432033746474},{"text":"I believe that investment table might be the wrong table that that's gone into.","start_word":2192,"end_word":2205,"sentiment":"negative","sentiment_score":-0.34232765436172485},{"text":"So Right. I might need to get them to to update that. We'll resend that out to you there, Sean. Okay. Yep. In regards to investments, obviously, you'll be able to have a look at them once we send that back through to you. Yep. But, yeah, the major change is there as you are going to that more index approach, and I'll just bring up the actual portfolio that was meant to be recommended then before. Yes. So within regards to the change, sure what happened with the the table there, but you will still have the cybersecurity. It'll be still in Europe, Japan, and then you'll have the S and P 500 as a core with the Australian BetaShares 200. And then you'll have some gold, the composite bond, and then an all world excluding the Yep. US there as well. So not too different from what you you currently have. It'll just be sort of spaced across a number of different investments and sort of have a less allocation to that Australian 200. I'll get them to update that, and we'll resend you that document there. So don't worry about signing or anything today there, Sean, Okay. Yep. and we'll get that one sorted. Apologies for the the mix up Excellent. there. Hi, drivers. It just seems like they've selected the one over, so that's more than fine. But in regards to the allocations there as well, it'll just mean you still have around that ninety ten split of high, like, growth assets to defensive assets to aim for that longer term growth.","start_word":2206,"end_word":2471,"sentiment":"neutral","sentiment_score":0.1094868630170822},{"text":"You just Yay. won't have any manager risk with that. It'll be a nice passive approach there.","start_word":2472,"end_word":2488,"sentiment":"positive","sentiment_score":0.4480010569095611},{"text":"Yep. Okay. Now, obviously, in regards to the tables there as well, I'll just get them to check all that and make sure that is all correct before saying that out. But, obviously, it'll illustrate there in regards Yep. to that how that might look So over look, just quick sort just quickly looking of at the table where it's yep. got Better Stares Australia 200, Yep. and then it's got current balance of 45, and it says buy sell minus 34,000. What's that mean? So when you do see that when it it does get adjusted there, so obviously that's the the wrong buy sell spread. On the the left hand side, you'll be able to see your actual portfolios. You currently, you have 40% in the BetaShares Australian two hundred. Yep. And what I they'll, see that. yeah, what they'll illustrate is what what you'd be selling out of that versus what you'd be buying into on the right hand side to show you what the balances would be. So on the right hand columns, you'd see, Yep. like, Yep. sold Target at seven. balance. Yeah. Yep. That's what it would be with the buys and sells, and it shows you in the red what would be selling down to purchase those other assets for the diversification. Alright. Now Okay. So the black is what we're gonna be buying, and the red is what we're selling to buy the stuff in the black in the buy, sell column. yeah. And if you see the target waiting, some go to zero, but obviously, it's Yep. a different portfolio there. Yep. No. I understand it. Right. Okay. And that did and right at the bottom is the total I've got in super at the moment. So, yeah, The minus total total. the $180 there. Yeah. Yeah. Yep. Okay.","start_word":2489,"end_word":2796,"sentiment":"neutral","sentiment_score":0.022553984148355275},{"text":"Cool. That's right.","start_word":2797,"end_word":2799,"sentiment":"positive","sentiment_score":0.35663682222366333},{"text":"I'm on the same page with you now. Now I'm making sure I know what I'm looking at. Yeah. So obviously, that's the the wrong portfolio. So I'll get them to update Yep. that for you. No. And then and then you'll be able to see the actual changes so you can have a look at that, make sure you're happy with that one. Yeah. That's And then all. Next time I look at it, I'll know what I'm looking at. I'll know exactly what it means. Yeah. yeah. And on that right hand side, you'll be able to see the percentages for each different one. So within regards to that, I can let you know what the actual portfolio there should be for you. So you have 6% in this cybersecurity, 9% in the iShares Europe, and you'd have 5% in the Japan region still, and then Yes. you'd have 8% in the Vanguard all world US. You'd still have a key portion in the S and P 500 at 35. BetaShares would still have 25% as opposed to the 40, so a Not little yet. bit of a reduction there. And Yep. then 7% in gold and then 5% in Europe defensive iShares composite bond. Yep. So gold's gold is just a a stable you know, it's not there's no future plans with the wall that the gold in the foreseeable future is gonna, you know, jump dramatically? So Or within is it just always a regular, constant, slow growth? Because gold always seems to go up when there's a wall. yeah. It's like one of those negatively correlated sort of assets, and it can be it's because it's an alternative. It can be suited like a growth asset or a defensive asset depending on what's Yep. going on in, like, the world. Obviously, within the way the the economy's been the past few years, gold's taking quite a bit of a jump just purely for the fact that Yep. everything is going on. People go back Yep. to that harder currency. But, generally, it's more of just, like, you know, holding things like cash and fixed interest. It generally gets you know, holds its value, goes up slowly over time, Yep. bit higher than the cash rate, and that's sort of still how it's viewed, but a bit more of a growth asset at the moment, and that's how they sort of allocated it with everything Yep. going on. But, obviously, you don't Nope. wanna be overweight in anything too much, specifically No. when it is just physical gold, whereas the other assets there are, like, exchange traded funds that carry a number of companies. Gold's Yep. just gold at the end of the day. It's purely Yep. linked to what the price of gold's doing. Yep. No. I understand that. That's alright.","start_word":2800,"end_word":3275,"sentiment":"neutral","sentiment_score":0.04198617153182751},{"text":"Cool. Perfect.","start_word":3276,"end_word":3277,"sentiment":"positive","sentiment_score":0.6581734418869019},{"text":"And then if you do go down over to the projection table of what the things will cost within regards to that one, I believe that table is correct in terms of the fees and the change in the growth. So, obviously, when you look at the growth over the past five years, it is slightly less, and that's purely because the a 200 did, like, quite well over that period.","start_word":3278,"end_word":3348,"sentiment":"neutral","sentiment_score":0.05678042769432068},{"text":"But what you're doing is you might, like, lose out on a little bit of growth if a 200 was too fantastic.","start_word":3349,"end_word":3370,"sentiment":"negative","sentiment_score":-0.376118928194046},{"text":"But if the same sense, if you get 40% in an asset and it takes a bit of a dip, then obviously, that can Yep.","start_word":3371,"end_word":3395,"sentiment":"neutral","sentiment_score":-0.3031388521194458},{"text":"really negatively hurt your portfolio, which is why we went to a bit more diversification as opposed to what you you currently got there.","start_word":3396,"end_word":3419,"sentiment":"negative","sentiment_score":-0.4307187795639038},{"text":"Yep. Okay. Yep. And then within regards to the insurances and the new insurance recommendation, the premium will be a lot lower, which will save on those fees moving forward, which will help go towards Thirteen investing 13. Sure. more. Premiums. Yeah. So you can see the insurance premiums there dropped Yep. quite dramatically with Yeah. the recommended. 3,000 off. Yep. Yep. So that will go towards each year just going towards being invested. Obviously, insurance premiums do go up a little bit each year. They sent me those. But in saying that rewriting there, we can get them back down a little bit. You'd have the same exclusions or loadings you should potentially on your current policy anyway. Yep. Give it that how far back those conditions date. And then with that, you'd just be paying that lower cost for even with the the Neos there, even though they aren't currently excluded on the policy, if the Neos was to find out that those predate the policy anyway, they could deny a claim, or they could just Wrong cancel thing. your insurance totally anyway if it was in regards to any sort of mental health or that shoulder injury as well with the pins in there just Yep. from that. And then you'll be paying a lot less anyway for a comparable policy. Yep. So if you did go down to page 18 there, you can see the policy you're recommending is 350,000 of life and total permanent disability, and it works out to be around a thousand dollars per annum after the 15% rebate in super. It Yep. Yep. Okay. Yep. Yep. I'm looking at that now. Yep. is slightly less than the cover you have currently, but your debts are also slightly less a little bit as well. My debts my debts are a lot less now. My my debts are actually just under well, around the $200,000 mark is all I got left Debt wise, so 350 more than more than covers it. You know? Yeah. Yeah. And that's more so just a little bit more in the sense that if you were totally or permanently disabled and couldn't work, you've got an extra 100 Yep. and 50,000 That's could go right. towards 50, like, Yep. living expenses and things like that and having that invested, which Yep. is why it's a little bit more. As Yep. I said there That's over the fine. next page on page 20, you'd be able to see that the exclusion that will apply the mental health, the left shoulder exclusion, and the 50% loading for the sleep apnea, but that could be just standard rates depending on how you get assessed on that as well, which Yeah. That's is fine fine. I don't I have no issues with this shoulder. It's never given me any issues.","start_word":3420,"end_word":3896,"sentiment":"neutral","sentiment_score":0.0303891482382263},{"text":"I've got good movement, because mental health.","start_word":3897,"end_word":3903,"sentiment":"positive","sentiment_score":0.3360709249973297},{"text":"I don't have any mental health issues. yeah. So, yeah, look, they're gonna have problem with that.","start_word":3904,"end_word":3920,"sentiment":"neutral","sentiment_score":-0.26837578415870667},{"text":"I can't see it causing any issues.","start_word":3921,"end_word":3927,"sentiment":"negative","sentiment_score":-0.34268856048583984},{"text":"But Yeah. I've got And it. that's the thing too. Like, it's purely because, like, I know people that have said they're a little bit stressed at work and get a mental health exclusion. It doesn't mean you're gonna stop working. Given that you've taken the medication, it's fun. And given that your your shoulder occurred so long ago, it wouldn't regularly be an issue. But anytime you have any sort of foreign material, like, any sort of pins or plates or things like that, there is a chance later down the track that they may need to be removed or changed and things like that, which is why they always exclude them when there's foreign material sort of in there. Yep.","start_word":3928,"end_word":4049,"sentiment":"neutral","sentiment_score":-0.17317141592502594},{"text":"Perfect.","start_word":4050,"end_word":4050,"sentiment":"positive","sentiment_score":0.3659353256225586},{"text":"So, yeah, when we did all the I know you remember probably a few of those conversations we have with the back and forth and reviewing everything. Obviously, you're keeping the IP policy that is quite expensive, but it is quite comparable. Yeah.","start_word":4051,"end_word":4093,"sentiment":"neutral","sentiment_score":0.10848040133714676},{"text":"It is a really comprehensive policy for how long you've held it, the benefits you do get with that, and you have claimed on a few times there in the past as well.","start_word":4094,"end_word":4126,"sentiment":"positive","sentiment_score":0.3499302864074707},{"text":"So looking at Yeah. keeping that in the I'm the meantime. I have still got it. Yeah. I've still got it going even though it's cost me bloody $400 a month. You know, I am getting older. So if I do have any medical issues or or whatever happens, you know, I know I can I can lean on that?","start_word":4127,"end_word":4186,"sentiment":"neutral","sentiment_score":-0.14497797191143036},{"text":"And I know it's pretty well I put a claim in, and they just start paying it without any me proving or doing anything pretty much.","start_word":4187,"end_word":4212,"sentiment":"negative","sentiment_score":-0.4138681888580322},{"text":"Give them a doctor certificate, and they just start paying out. So we'll see Yeah. what happens.","start_word":4213,"end_word":4229,"sentiment":"neutral","sentiment_score":-0.2807408571243286},{"text":"Unless they turn around, you know, because they're trying to force me out of it. That's why they've been jacking up the prices.","start_word":4230,"end_word":4252,"sentiment":"negative","sentiment_score":-0.5427480340003967},{"text":"Next Yep. year, they might jack it up to $600 a month or a thousand dollars a month.","start_word":4253,"end_word":4270,"sentiment":"neutral","sentiment_score":-0.17301302154858908},{"text":"Well, then it's gonna get to a point where I just can't afford it anymore.","start_word":4271,"end_word":4285,"sentiment":"negative","sentiment_score":-0.3482939302921295},{"text":"But in the meantime, I'll I'll roll with it, and we'll see how we go down the track. Yeah. And then when you Yeah. do get to that point, we can obviously look at what cover is available. Obviously, it's a little harder given that you have, like, claimed on some form of IP in the past as well, Yeah. but you might still be able to get some form of policy that gives you some form of protection or look to being a bit more self insured. And just as you said, you don't have too much debt. So looking at paying that a bit off a bit quicker or trying to put that into some form of savings account or things like that to self insure because, you Well, know, that's it is right. quite You know? Yeah. a yeah. It It is is quite a bit a decent of money. amount of month that you could be putting, like, into some form of, like, investment to self insure. But, obviously, Yep. the benefit is is if you really do get injured, it pays all the way longer than sort of that savings would last No. if That's right. Yep. No. I understand. Yeah. Yeah. So at the moment, I can afford to pay it even though it's $400 a month. It's Yeah. pretty well more than my mortgage or thereabouts, but, you know, comfortably afford to pay it. So I'll just keep it rolling for now, and we'll see what the future holds. Yep. No problem. Just the next annual review, we can obviously review it again and see how you feel about it then as Yeah. well. That's right. Yeah. Okay. Yeah. And then obviously, in regards to, like, the life in TPD, there's no reason to keep the Neos policy given that, like, everything that you we've disclosed or you disclosed should have potentially been on the policy. So there's no reason we shouldn't rewrite. It'll apply anyway. So some things that would be not on a new policy or on it not on the current policy, but on a new policy, then we might look at keeping, but there's no real reason to maintain what you've got currently. Yep. Right. And then in regards to, like, obviously, there is a needs analysis there to show you sort of what was required in terms of your debt, which covers that more than with the policy as well.","start_word":4286,"end_word":4697,"sentiment":"neutral","sentiment_score":0.045698250856395194},{"text":"Obviously, the benefit is that one is like that insurance we're recommending Yep. to is paid out of super, so that helps the out of pocket cost there as well. And then with that, Ascender did give the most favorable underwriting terms. And then with the buybacks and links and everything like that, you still have a comprehensive policy for that life and total permanent disability if anything was to happen.","start_word":4698,"end_word":4768,"sentiment":"positive","sentiment_score":0.4465232491493225},{"text":"Yep. I think, Yep. obviously, the risk is is obviously you still gotta meet the definitions of the claim if anything were to happen outlined in the PDFs that we do provide. Obviously, we'll update this document and send it, and you'll be able to read through all of that as well. There is a quote there as well to show you illustrate what that looks like in terms of, like, the cost premium plus that is with the loading. So if you don't get the loading, it will be slightly less than that as well. Yep. And then we also considered rewriting the IP, but, obviously, we're keeping that at the moment, group insurances, level premiums, things like that as well. But all of those came at a lot higher cost there as well. And then Yep. with the other insurers, some of them didn't come back as with some favorable terms. Alright. That's fine. But do you have any questions in regards to those insurances or the? Nah. Nah. It's pretty straightforward. Yep. Obviously, in regards to the fee, it's still the 1.65%, and then Yep. it's 66% of the upfront fee of the policy that we write with the insurer, and there's 22% each year after that for maintaining that policy. That's not an additional cost you pay. That's what the insurer pays us out of what you pay to them as a premium. And Yep. then that one, yeah, we just have to disclose it. Yep. No. That's why I'm reading that now, the remuneration and the ongoing percentage and fees. Yeah. I'm looking at that now. Yep. That's fine. Yeah. Well, in regards to, like, the document, obviously, we'll get updates. Don't worry about signing it there. If you were to sign, Yep. basically, they'd get the the trade implemented to update the investments. And then from there, we'd get you booked in there to go through that insurance application with the sender to get that enforced with you. And then we'd still just maintain that Neos policy in the meantime until time we got the new cover just in case anything else came up. Yep. Right. Not a problem at all, Sean. Do you have any questions in regards to to anything while you've got me there? No. I think it's pretty straightforward. Sorry. By the sign issue, send me another email with the documents to sign with Yep. the update, and then I'll then I'll click on that to sign and then sign them. So you don't want me to sign this one you've sent me. No. We'll get that all updated with the the actual document there because as I said, that's just that Yep. trade section there is just incorrect there. So we'll get that sorted there, and we'll get that resend out to you. And then you can just have a review through it if you want, have a look at it. You will have the appendix there as well, which you'll be able to see, like, the investments and things like that once you get a chance. Yep. And then, yeah, come back with any questions you do have once we sort of send through that. But they'll say it'd be in the next sort of twenty minutes. They'll just change over that table and get it sent back out to you. Yeah.","start_word":4769,"end_word":5332,"sentiment":"neutral","sentiment_score":0.05738625001056608},{"text":"That's fine.","start_word":5333,"end_word":5334,"sentiment":"positive","sentiment_score":0.39773082733154297},{"text":"No dramas at all. I'll have a look over it quickly, and then I'll then I'll sign up.","start_word":5335,"end_word":5352,"sentiment":"neutral","sentiment_score":0.2061811238527298},{"text":"But, yeah, everything else seems pretty good. Not a problem at all, Sean.","start_word":5353,"end_word":5365,"sentiment":"positive","sentiment_score":0.5183302164077759},{"text":"Well, if you don't have any other questions for me, I'll let you get back to it, and then, yeah, just reach out if you do have any questions regarding that.","start_word":5366,"end_word":5396,"sentiment":"neutral","sentiment_score":0.21803393959999084},{"text":"Beautiful. No problem at all. Too easy, mate. Have a good afternoon. Thanks Alright. for your time. Cheers. Thank you. You too. Thanks. Bye. Thank you. Bye.","start_word":5397,"end_word":5423,"sentiment":"positive","sentiment_score":0.6870939135551453}],"average":{"sentiment":"neutral","sentiment_score":0.05946986375439329}}}}