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It's not a problem at all. I had to just book in to go through your statement of advice. Is now still a good time there for you? Fantastic. Do you happen to have access to your email at the moment at all? Oh, no. That's it. Go ahead. Oh, that's okay. Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together? What's more preferable to you? Yeah. No. Not a problem at all. So what I'll do is I'll email this one through to you so it is in your emails when you do get there. And then, oh, sorry. It's saying there's an error. I'll get that sorted. I'll email it through to you shortly. That way, it's there when you do happen to get home and do have some time to read it through this afternoon. In the meantime, I'll just run through the advice there for you, give you an update of what the recommendations are. If you happen to have any questions through the call, just let me know. Okay? Fantastic. So, Elise, on the front of the document, when you are looking at it, you'll note it does have the statement of advice prepared for yourself as of the 03/18/2026. Our advice documents are valid for sixty days from the date on the front of the document there, and it has been prepared by my lovely team here at Oakview Financial. And my authorized representative number for you is 1304394. Okay? As you are running through, it does start by going through the best interest, Judy, just letting you know that any advice provided is provided under the best interest. So we go through the process we do of making sure we understand your goals, objectives, and what you're looking for with regard to financial advice. So it can be provided to meet your goals, put you in a better position at the end of the day, and work towards your long term retirement goals there as well. Okay? With this advice, we've spoken areas of superannuation. So, essentially, you're looking to be able to cut back and work part time in your mid sixties and then hopefully retire in the seventies. So we're looking long term. They're trying to make your physical work as hard as possible towards that. We're also looking at insurances. So wanting to make sure if anything did happen to you that you could pay off the more, that your insurances could pay off the mortgage. And we've also scoped in the estate planning side of things as well, just making sure that a will power of attorney and with regard to your super, making sure that beneficiaries are also in line with your goals and wishes. Okay? Areas that we're not looking at in advice today is salary sacrifice. So at the moment, not wanting to look at making any additional contributions to super. However, it can be reassessed down the track should you wish to do so. When we look at insurances, we're just looking at the licensed EBD. You have made mention you weren't worried too much about getting any income protection. You do have about a year's worth of income set aside to cover yourself and you've been if anything is occurring and and not looking at trauma as well, not looking at any additional insurances paid outside of Super. Okay? Perfect. Excellent. So I'll start by sort of going through the recommendations there. Now at the moment, you do have your host Plus super account. We did go through and do a bit of research on that and all the other super funds out there to see what was appropriate to your goals and what was gonna help put you in a better position moving forward there. At the moment, within Host Plus, the balance have was about 79,219, and you are paying administration fees, investment fees. Your contributions aren't quite going in at the moment, but they should be. Have you managed to get any more word from your employer in relation to your contributions? Perfect. Perfect. That is excellent. Good to see. And, hopefully, I continue to keep paying those for you because it's only to benefit you. So yeah. Absolutely. Absolutely. And at the end of the day, it's part of your wage. The first 12% of your income is meant to go into super. So, essentially, he's basically holding back part of your income, your hard earned time. So yeah. All good. So with regards to the host plus there, we have a bit of a look. Now the way you are currently invested, we sort of talked into that risk profile questionnaire, and you have scored as more of a growth investor. That typically sees about 80% in growth investments of things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in defensive investments of things like cash, bonds, and fixed interest. With the way your host plus is currently invested, you're in more of a balanced growth sort of option there. So you've got about 75.7% in those growth investments, and a bit higher about 24.3% in defensive investments. So you're probably taking a little bit less risk than what we sort of like to see for you at the moment with regards to that investment profile there. You could definitely have your funds working a bit harder. So what we've done is we had a bit of a look at how that has been performing on average over the past five years. It has sort of shown about a 7.56% there. So not the greatest return. We wanna sort of see if we can make it work a bit harder for you. So what I am recommending is that we do roll you out of host plus, and we do roll you into a retail fund called Hub twenty four. Now I know Reason's already on board, but have you other than that, have you heard of Hub twenty four before or retail rep platforms? Or no. That's okay. So Hub twenty four is an investor pro an investor platform. They do super accounts, pension accounts, and normal investment accounts as well. Hub twenty four and other platforms like it, there's MyNorth, BT, Panorama. There's lots of map there. We like them as advisers because they actually give us access to a lot more different investment options. So while plus Host Plus tends to give you access to just over 20 different investment options, Hub twenty four gives you access to 1,140 different investment options from here in Australia and overseas. That's looking at managed funds, exchange trader funds, and also, you know, individual shares as well. So we can build portfolios that are working harder, but it also gives us access to alter and change those portfolios moving forward, which is really important. Part of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now. Because what might be recommended initially in a couple of years might need to be altered and changed for you so that your super continues to work hard and grow on compound over time. Okay? Yeah. So with regard to Hub '24, with regard to the change there, we'd be putting you into our growth investment. We increased that from 75% to the 82% invested there. So you have more of those growth investments working harder for you, making your money work towards your goals. And then we're gonna decrease those defensive investments like cash and loans a little bit. So we're gonna go from 24.3% in defensive investments down to 18%. So you're taking a little bit more risk, but also wanting to increase those returns as well. The investment portfolio that was generated for you over the past five years has averaged about 10.9%. So, essentially, it has averaged about 3.34% more than what your current portfolio is averaging, which if it's compounded forward, can actually see you grow your super and provide a greater benefit. When we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years. Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time. So it does give you a greater benefit depending on how the market reacts. Okay? Beautiful. I have considered contributions going into the account because we do know your employer is supposed to pay them, and you were trying to get them in there. And now they're going in. That is fantastic. We'll make sure to monitor and see them moving on a regular basis. And with the legislation changes coming into effect, your employer will need to make those contributions in line with your wages. So we'll have true dollar cost averaging, which means you'll be able to take advantage of the market ups and downs moving forward, which is fantastic. Okay? Now Hostplus is a little bit more we it does cost a bit more administration fees, so we understand putting you into a retail platform does mean the administration fees are slightly higher. So with your administration fees within Hub twenty four, it'll show you about $480 more for the first year. However, your investment fees are decreased by 563. So at the moment, in host plus, your investment fees are costing an average of about $848. In Hub 24, we can reduce those investment fees down to 285. So whilst your admin fees go up a little bit by utilizing this platform, this sophisticated platform, your investment fees actually decrease, which is actually gonna save you overall at the end of the day. Okay? Perfect. As I mentioned, the growth portfolio will put you in, see if you're taking on a little bit more risk there, but also making sure your funds are working harder, and the five year rolling average return has provided a greater level of return, which is important. One of the things we did also talk about was the fee structure. So by coming on board with O. T. Financial, everything we do up until the point you decide to come on board is completely complimentary. If you decide to take on the recommendation to come on board with us, we do charge an implementation fee for running through the implementation of the advice and the cost of providing the advice as well. That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document. It's 3.3%, and it's capped at balances of 150,000. So it shows you in here. And how that essentially works is with the implementation, we'll open up your super account. We'll roll the funds from Post Plus into Hub 24. As soon as the funds hit the account, we deduct that fee of $2,614. Then we have the funds invested for you, and then it starts to make that money back nice and quick. Does that make sense? Sure. Mhmm. Yeah. So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive money from past employers, they will just reopen the account, and we'll be able to roll those funds back over into hub 24 without any issues whatsoever. The other option is if if they don't pay it to Hostplus, if the ATO collect the funds, because at tax time, your past employers are also supposed to declare how much they've paid for all their employees in regards to, their employer contributions. So if the ATO decides to collect the money, the ATO will collect it, put it in their holding account, and they find your open account for you and have the money moved into HUB 24. So either way, if it does go into host plus, we'll be able to help you with it. You'll get notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you. But if the ATO collect the funds, they'll look for your open account because they'll have a record of it, and they'll be able to deposit that into the Hub twenty four account for you as well. Yeah. Yeah. We can also with your current employer, we'll also give you a choice of Superform. So you'll be able to give him that and say this is where my employer contributions need to go into so he can start making those employer contributions straight away into that account for you. We can also give it to you. So if you did wanna just provide that to your past employer, you can go, hey. This is where my super is now. Make sure those contributions go into here. And, hopefully, they can even just change what they're paying them through to as well as part of their payroll. Okay? Yeah. Easy. Either way, we'll make sure we help you with that. It's not a problem at all. We're pretty well versed in making sure we find money. Part of that process is if you come on board as well, we always do a lot super search for you. So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well. So as part of our process, we'll make sure that lost super search is done for you as well. Okay? Beautiful. So that's the implementation fee. As I said, it's only charged if you do decide to come on board. It's a one off fee for this advice document. We do provide ongoing advice and support to you at no additional charge with regards to that. We never charge this implementation fee ever again for any advice that you provide. The other fee that we do like to disclose or have to disclose is the ongoing service fee. So by coming on board with us, you will pay an ongoing service fee. Because Reese is already a client with us, it is reduced to 1.1% for yourself. And if you decide to come on board, we'll also reduce that for Reese as well to reduce his fees. Essentially, you'll see in the advice document here, we estimate for the first year based on your balance, the fee to be $892, and that's essentially it's 1.1% on a yearly basis. And the way the ongoing service fee works is it is deducted in smaller monthly increments on a regular basis. So you pay a smaller amount each month, and it just kinda adds up to the 1.1 at the end of the year. We also cap our fee currently at 600,000. So if we can get your balance up to that million dollar mark, we don't charge 1.1 percent on a million dollars. We cap that at 600,000 for you as well. Okay? Beautiful. We've also got at the moment, you've got some insurances in your fund there as well. I'll go to those shortly as well. The other thing I kinda just wanted to point out was just giving you a quick run through of the investments there. I know you're not looking at the documents, so it can be a bit a lot to go through with the investments. But, essentially, once we remove your funds out of hub twenty four, you'll see your money distributed across a diversified portfolio, which includes access and exposure to cybersecurity. So areas like India, The US, we're also looking at Australian equity as well with Afiniti. One of the things that you and I talked about was whether you wanted to see any active management in your portfolio, and you wanted to give that active management a go for the first year or two to see how that would perform. So we're looking at Afiniti Australian Fairs. Affinity are an active investment manager, and they tend to have between 20 to sorry. 20 to 35 different investments within their portfolio, and they're trying to outperform against the market. So we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis. If at any point we feel that's no longer performing, it's not doing what it's supposed to, we'll look to replace that for you down the track. Okay? Beautiful. But your portfolio also will give you exposure to global health care. We've got the RAFI Australian 200 to giving you access to some of the top 200 companies on the Australian share market as well as the Aufiniti exposure. We've got the JPMorgan Global Enhanced Research Fund. Essentially, JPMorgan and their research team look at areas growth globally and try to invest in areas where we see or where they see potential growth. And global exposure is really important for diversification. Ultimately, diversification is the best form of risk management, so we try to make sure we're diversifying across many different asset classes as well as industries and countries as well. Okay? And then you'll also see your funds diversified across having some fixed interest in there, so core composite bonds, and also some high yield interest accounts as well, which is quite good. And then we've also got some physical gold in there because having commodities is a fantastic asset, and also some cybersecurity in there for you as well because there is a growth area moving forward down the track. So have a look at the investments. I've just kinda gone through them a little bit basically for you because so what to kinda go into each one individually when you're not looking at the document. But if you have any questions about any of those investments, you're welcome to let me know. I'm more than happy to break it down and give you a bit more detail. But do you have any questions so far at all? Really? Yeah. Fantastic. With any supermom, we also do hold a certain amount of cash. We just try to make it a minimal amount of cash in the account, which covers essentially administration fees and things like that. So within HUD twenty four, you'll just need to take 1.25% cash in the account. It does work out you should have about $957 in the cash account there, but we monitor that for you. And HubSpot me for you'll probably notice we'll do a regular once a month. They do, like, a cash management thing where they just, you know, buy and sell to make sure that a cash account is topped up to the correct amount. So you'll see that in the document there as well. Okay? Beautiful. Now with the insurance side of things, at the moment within Hostplus, so you do have a bit of life and TBD. So you've got 229,160 of life and TBD cover. We talked about wanting to make sure that if anything happens to you with life and TPD that the mortgage is essentially covered. So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four. The reason I'm recommending that we do transfer that to begin with is that we went through a bit did that pre assessment with you. With the pre assessment, having a look at the molds that were cut out, because of sort of what had happened, there is a risk that it could be a cancer exclusion on any new policies that we receive. So I am making a recommendation that we apply for new cover, but to limit the risk of having exclusions on as much of your cover as possible, I also wanna transfer over the cover from host plus into hub 24. Essentially, how this works is we the cover you have in host plus at the moment doesn't have any loadings or exclusions on it, and it gives you the first two hundred and twenty nine thousand one hundred and sixty of life and TBD completely exclusion free, which means that you can claim on it for any illness or injury, whether it's preexisting or not. So I wanna transfer that cover over from post class in the hub 24. It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy. We're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD. That tops up your existing life and TBD cover to the level to cover the mortgage if anything happens to you. But because there is a risk with underwritten cover of having a cancer exclusion on there, there's a chance they may not put the exclusion on there, and that's great. But because there is a risk of that, I wanted to make sure we didn't have the exclusion on the whole cover that we could limit that as much as possible. So with ClearView, with it being underwritten cover, at the time of the application, you go through all these medical questions, and they're gonna wanna get reports from your doctors around the pathology and what happens. So with that, if they decide to add the exclusion, the exclusion would be on that 420,000, which still leaves you with that lower amount of 229,160 completely exclusion free. These exclusions would probably only be added to PDD, but there is a chance they may add it to life. They don't generally add exclusions to life. Life is life. When you pass away, the amount pays out. But disability cover is more is more open to having exclusions or loadings depending on health and depending on preexisting conditions as well. That's a little bit a lot to kinda go through. Do you have any questions in relation to that? I understand you may. Mhmm. No. That's okay. I'll see if I can send it again. It's it's telling me it's sending, but it's trying to send. Let me just see. Yeah. Yeah. Yeah. So one of the things we look at like, if we didn't if we didn't look to transfer the cover from post plus and we just applied for enough cover to cover the mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition. So you wouldn't be able to claim for cancer in related to the past the past illness, injury, or issue. Yeah. I think it was it was a mole that was cut out, wasn't it? It was a cancerous mole that they had removed. Is that right? Or a lump? Yeah. A mole. Yeah. Perfect. And, like, we all have lots of them, but they sort of wanna make sure it's the same as, like, when you have your car insurance. If we didn't have car insurance and the storm was coming and we call up the insurance and, hey. If storm's coming, I wanna cover my car for storm damage, they will go, no. We can't do that because the risk of you making a claim is much higher. So the same thing sort of works when it comes to life and CBD insurance. They don't wanna cover for preexisting conditions because the risk of you making a claim is much higher. And that's why having some of this with your current host plus cover is really beneficial because it's what's called group cover. You haven't actually applied for this cover. It was just provided as a default option to you. So they actually have no idea about your health. They will do a health questionnaire with you at the time of claim if you had the claim. However, at the moment, it gives you that level of cover with no no exclusions on it. And as long as you've had this cover for a longer period of time, often with group cover, they don't really care that much about the the so the preexisting conditions. We've had this cover for a long time. It's been there for longer. You probably had that cover in place prior to the mold being cut out anyway. So they're really not gonna look at that as a big thing, which gives you a lot more you have a higher chance of claiming on this $229,001.60 than the higher amount for the cancer if it ever came back, if you had the time on that. There's always a risk with insurances that you'll pay the premium, you'll get to retirement, and have never claimed on them, and they'll just cancel or we'll cancel them one of the two. So it's about covering yourself for that small one percent chance of having a risk. But the way this essentially works is that you'll have that default cover in place transferred to hub twenty four to give you a level of cover without any exclusions or loadings, and then we'll have the top up cover, which there is a chance there could be an exclusion attached to. There's also a chance they may not apply the exclusion. It just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you. Okay? Excellent. With the cover, it will be paid out of the super funds, so it doesn't it's not gonna come out of your back pocket in any way, shape, or form. And, essentially, having a look at that, you do get a 15% discount on paying for insurances out of super, which, again, is really quite cool. We do love that. But we do expect the premiums to be about $488 for the year. It is an increase because we are increasing the amount of cover, but it's only increasing the cover by about $241 for the year. So it doesn't have a large impact on your super, but it does have an impact over time. And we wanna make sure we review the level of cover you have, how it's paid, how much it's costing you so that we can adjust that down the track as well. The biggest thing is when you sort of look at insurances, when you consider the five, ten, and twenty year impact, insurances do get more expensive over time as the risk of you making a claim increases as you get older. So we do wanna make sure that you hold the level of cover you're after. You are paying a a fair premium for it, but that is not impacting your super very heavily there. So we will just wanna review that with you moving forward. Does that make sense? Yeah. Beautiful. All good. The last part of the advice is essentially the beneficiary nominations. So we will make sure that you have beneficiary nominations applied to your life cover, both with hub twenty four and with Clearview and on your hub twenty four super account, making sure that if anything did happen, touch wood, nothing ever does. But if anything did happen, that your super and life insurances are paid out a 100% to raise so that he can take care of your family, making sure to pay off the mortgage and take some time off to alleviate stress and pressure and work out what he wants to do moving forward. So we will help you to make sure those apply to the account. We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there. If you do need another one or did need a referral through, let us know. But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as well. Okay? Beautiful. Excellent. We've also got in here when you are so the email that it has sent, it might just take a minute. I'm not sure how things are there. We've had some a lot of rain. We've actually had about 200 normal rains the last forty eight hours. Yes. I'm working from home today because it's, like, there's local flooding and things like that. So it might take a minute for the email to come through to you. I do apologize that we might having some issues with the phone lines as well. Sorry about that. I know. I actually said today, maybe I need to move to somewhere a little bit less wet. It's it's pretty crazy how often we end up with this much rain. And, yeah, we all woke up, and our bosses are like, you know what? There's still a high risk of flooding, local flooding in certain areas. It's all work from home. It's just gonna be easier for everyone and safer for everyone today, and then the phone lines have been a little bit erratic. So sorry about that. Yeah. All good. On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things. As noted, the implementation fee is 3.3%. The cap advance is a 150,000. Your balance is well below that, so the amount there that we expect is 2,614. With insurances, we do also receive remuneration from the insurer for making these recommendations once they are in place. These are legislated the same across the board, so they don't have any effect on what my recommendations are. But with regards to the Clearview recommendation, if the insurances are accepted and go into force, we would receive $248 for the first year based on 66% of the first year's premium, and then 22% say ongoing and a $145 moving forward as well. So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything. And you'll also see the ongoing remuneration. So the fee breaks down at 1.1 for you. And if you decide to come on board, we'll make sure raises is also reduced for you as well. Okay? All good. All good. How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us. Attach to attach this DocuSign, you'll also have for your reference the appendices. I've also got a copy of the statement advice attached as an as an extra document. We've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well. We also do have your original fax line filled out and the application for hub 24. So if you decide to sign it, it'll kind of ask you to sign all those documents. It just makes it easy to sign everything all at once. But if you are running through and having a look, it might be why this is taking a bit longer as well. There is quite a few attachments attached to it. So it's probably thinking about sending all of them to you. I do apologize about that. But, yeah, if you once you do sign and return that back, we'd start by just opening up your Hub twenty four super account. We start by completing just a partial rollover. So we leave 10,000 behind in the host plus whilst we get your insurances in place. That keeps your insurances in place host bus active until we can have the transfer completed and get the Clearview policy in place. Once those insurances are fully in place, then we complete a final rollover. We'll make sure in that time you also get your employer contributions form. We'll also do the lost super search there for you, and then we'll make sure your beneficiaries are also up to date there. So we do things in a little bit of more timely manner if you're unaware of what's happening, But we also do things to make sure we're not canceling insurance's prematurity, keep you protected at the same time. Okay? Beautiful. All good. Now I know that is quite a bit to go through. Is there any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes through? Yeah. Yeah. Perfect. Yeah. Yeah. Yeah. Beautiful. Beautiful. That's okay. That's not a problem at all. When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest. I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well. So you're welcome to run your eyes over that. Have a really good read through. Let me know if there's any additional questions that you might have, and, yeah, if you're happy to take on board the recommendation. So just get you to sign and return it back. Alternatively, any questions at all, come back and let me know. I'll make time to run through it with you, and we can have a chat about, you know, what what your questions are and how to answer them. And if there is any part of the advice that you don't wanna take on board, we do have a little text box on the last page. You're welcome to write there if there's any alterations or any part of the advice you don't wish to proceed with. Okay? Easy. Thank you so much. I will let you go. You can have a bit of time to reach you that one. I'm I'm gonna go back in and see if it needs me to resend it again because it's telling me it's sent, but I also know my computer's a little bit slow. So I'll go back into the back end there and probably just try to resend the document for you as well. So, hopefully, it pops through in the next few minutes and then just, yeah, take some time. Okay? Yep. Absolutely. Good luck Queensland. Oh, I bet it is. I bet it is. We're still in 20 degrees. I'm happy with that. Oh, nice. Yeah. Yep. Yeah. Nice. Oh, we'll get through that winter. Yeah. Absolutely. Apartmentizing. All good. My pleasure. It's been a pleasure putting this together for you. Again, if there's any questions, let me know. But I hope you have a wonderful day, and thank you for calling me back. I appreciate your time. Thanks. See you later. 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Maddie. Oh, perfect. I was just sending a text message out to her. Easy. Yeah.\n\nWhenever you're ready. Thank you so much. Thanks. Oh, hi. This is Dana.\n\nHow are you? That's absolutely fine. It's not a problem at all. I had to just book in to go through your statement of advice. Is now still a good time there for you?\n\nFantastic. Do you happen to have access to your email at the moment at all? Oh, no. That's it. Go ahead.\n\nOh, that's okay. Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together? What's more preferable to you? Yeah. No.\n\nNot a problem at all. So what I'll do is I'll email this one through to you so it is in your emails when you do get there. And then, oh, sorry. It's saying there's an error. I'll get that sorted.\n\nI'll email it through to you shortly. That way, it's there when you do happen to get home and do have some time to read it through this afternoon. In the meantime, I'll just run through the advice there for you, give you an update of what the recommendations are. If you happen to have any questions through the call, just let me know. Okay?\n\nFantastic. So, Elise, on the front of the document, when you are looking at it, you'll note it does have the statement of advice prepared for yourself as of the 03/18/2026. Our advice documents are valid for sixty days from the date on the front of the document there, and it has been prepared by my lovely team here at Oakview Financial. And my authorized representative number for you is 1304394. Okay?\n\nAs you are running through, it does start by going through the best interest, Judy, just letting you know that any advice provided is provided under the best interest. So we go through the process we do of making sure we understand your goals, objectives, and what you're looking for with regard to financial advice. So it can be provided to meet your goals, put you in a better position at the end of the day, and work towards your long term retirement goals there as well. Okay? With this advice, we've spoken areas of superannuation.\n\nSo, essentially, you're looking to be able to cut back and work part time in your mid sixties and then hopefully retire in the seventies. So we're looking long term. They're trying to make your physical work as hard as possible towards that. We're also looking at insurances. So wanting to make sure if anything did happen to you that you could pay off the more, that your insurances could pay off the mortgage.\n\nAnd we've also scoped in the estate planning side of things as well, just making sure that a will power of attorney and with regard to your super, making sure that beneficiaries are also in line with your goals and wishes. Okay? Areas that we're not looking at in advice today is salary sacrifice. So at the moment, not wanting to look at making any additional contributions to super. However, it can be reassessed down the track should you wish to do so.\n\nWhen we look at insurances, we're just looking at the licensed EBD. You have made mention you weren't worried too much about getting any income protection. You do have about a year's worth of income set aside to cover yourself and you've been if anything is occurring and and not looking at trauma as well, not looking at any additional insurances paid outside of Super. Okay? Perfect.\n\nExcellent. So I'll start by sort of going through the recommendations there. Now at the moment, you do have your host Plus super account. We did go through and do a bit of research on that and all the other super funds out there to see what was appropriate to your goals and what was gonna help put you in a better position moving forward there. At the moment, within Host Plus, the balance have was about 79,219, and you are paying administration fees, investment fees.\n\nYour contributions aren't quite going in at the moment, but they should be. Have you managed to get any more word from your employer in relation to your contributions? Perfect. Perfect. That is excellent.\n\nGood to see. And, hopefully, I continue to keep paying those for you because it's only to benefit you. So yeah. Absolutely. Absolutely.\n\nAnd at the end of the day, it's part of your wage. The first 12% of your income is meant to go into super. So, essentially, he's basically holding back part of your income, your hard earned time. So yeah. All good.\n\nSo with regards to the host plus there, we have a bit of a look. Now the way you are currently invested, we sort of talked into that risk profile questionnaire, and you have scored as more of a growth investor. That typically sees about 80% in growth investments of things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in defensive investments of things like cash, bonds, and fixed interest. With the way your host plus is currently invested, you're in more of a balanced growth sort of option there. So you've got about 75.7% in those growth investments, and a bit higher about 24.3% in defensive investments.\n\nSo you're probably taking a little bit less risk than what we sort of like to see for you at the moment with regards to that investment profile there. You could definitely have your funds working a bit harder. So what we've done is we had a bit of a look at how that has been performing on average over the past five years. It has sort of shown about a 7.56% there. So not the greatest return.\n\nWe wanna sort of see if we can make it work a bit harder for you. So what I am recommending is that we do roll you out of host plus, and we do roll you into a retail fund called Hub twenty four. Now I know Reason's already on board, but have you other than that, have you heard of Hub twenty four before or retail rep platforms? Or no. That's okay.\n\nSo Hub twenty four is an investor pro an investor platform. They do super accounts, pension accounts, and normal investment accounts as well. Hub twenty four and other platforms like it, there's MyNorth, BT, Panorama. There's lots of map there. We like them as advisers because they actually give us access to a lot more different investment options.\n\nSo while plus Host Plus tends to give you access to just over 20 different investment options, Hub twenty four gives you access to 1,140 different investment options from here in Australia and overseas. That's looking at managed funds, exchange trader funds, and also, you know, individual shares as well. So we can build portfolios that are working harder, but it also gives us access to alter and change those portfolios moving forward, which is really important. Part of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now. Because what might be recommended initially in a couple of years might need to be altered and changed for you so that your super continues to work hard and grow on compound over time.\n\nOkay? Yeah. So with regard to Hub '24, with regard to the change there, we'd be putting you into our growth investment. We increased that from 75% to the 82% invested there. So you have more of those growth investments working harder for you, making your money work towards your goals.\n\nAnd then we're gonna decrease those defensive investments like cash and loans a little bit. So we're gonna go from 24.3% in defensive investments down to 18%. So you're taking a little bit more risk, but also wanting to increase those returns as well. The investment portfolio that was generated for you over the past five years has averaged about 10.9%. So, essentially, it has averaged about 3.34% more than what your current portfolio is averaging, which if it's compounded forward, can actually see you grow your super and provide a greater benefit.\n\nWhen we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years. Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time. So it does give you a greater benefit depending on how the market reacts. Okay? Beautiful.\n\nI have considered contributions going into the account because we do know your employer is supposed to pay them, and you were trying to get them in there. And now they're going in. That is fantastic. We'll make sure to monitor and see them moving on a regular basis. And with the legislation changes coming into effect, your employer will need to make those contributions in line with your wages.\n\nSo we'll have true dollar cost averaging, which means you'll be able to take advantage of the market ups and downs moving forward, which is fantastic. Okay? Now Hostplus is a little bit more we it does cost a bit more administration fees, so we understand putting you into a retail platform does mean the administration fees are slightly higher. So with your administration fees within Hub twenty four, it'll show you about $480 more for the first year. However, your investment fees are decreased by 563.\n\nSo at the moment, in host plus, your investment fees are costing an average of about $848. In Hub 24, we can reduce those investment fees down to 285. So whilst your admin fees go up a little bit by utilizing this platform, this sophisticated platform, your investment fees actually decrease, which is actually gonna save you overall at the end of the day. Okay? Perfect.\n\nAs I mentioned, the growth portfolio will put you in, see if you're taking on a little bit more risk there, but also making sure your funds are working harder, and the five year rolling average return has provided a greater level of return, which is important. One of the things we did also talk about was the fee structure. So by coming on board with O. T. Financial, everything we do up until the point you decide to come on board is completely complimentary.\n\nIf you decide to take on the recommendation to come on board with us, we do charge an implementation fee for running through the implementation of the advice and the cost of providing the advice as well. That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document. It's 3.3%, and it's capped at balances of 150,000. So it shows you in here. And how that essentially works is with the implementation, we'll open up your super account.\n\nWe'll roll the funds from Post Plus into Hub 24. As soon as the funds hit the account, we deduct that fee of $2,614. Then we have the funds invested for you, and then it starts to make that money back nice and quick. Does that make sense? Sure.\n\nMhmm. Yeah. So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive money from past employers, they will just reopen the account, and we'll be able to roll those funds back over into hub 24 without any issues whatsoever. The other option is if if they don't pay it to Hostplus, if the ATO collect the funds, because at tax time, your past employers are also supposed to declare how much they've paid for all their employees in regards to, their employer contributions. So if the ATO decides to collect the money, the ATO will collect it, put it in their holding account, and they find your open account for you and have the money moved into HUB 24.\n\nSo either way, if it does go into host plus, we'll be able to help you with it. You'll get notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you. But if the ATO collect the funds, they'll look for your open account because they'll have a record of it, and they'll be able to deposit that into the Hub twenty four account for you as well. Yeah. Yeah.\n\nWe can also with your current employer, we'll also give you a choice of Superform. So you'll be able to give him that and say this is where my employer contributions need to go into so he can start making those employer contributions straight away into that account for you. We can also give it to you. So if you did wanna just provide that to your past employer, you can go, hey. This is where my super is now.\n\nMake sure those contributions go into here. And, hopefully, they can even just change what they're paying them through to as well as part of their payroll. Okay? Yeah. Easy.\n\nEither way, we'll make sure we help you with that. It's not a problem at all. We're pretty well versed in making sure we find money. Part of that process is if you come on board as well, we always do a lot super search for you. So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well.\n\nSo as part of our process, we'll make sure that lost super search is done for you as well. Okay? Beautiful. So that's the implementation fee. As I said, it's only charged if you do decide to come on board.\n\nIt's a one off fee for this advice document. We do provide ongoing advice and support to you at no additional charge with regards to that. We never charge this implementation fee ever again for any advice that you provide. The other fee that we do like to disclose or have to disclose is the ongoing service fee. So by coming on board with us, you will pay an ongoing service fee.\n\nBecause Reese is already a client with us, it is reduced to 1.1% for yourself. And if you decide to come on board, we'll also reduce that for Reese as well to reduce his fees. Essentially, you'll see in the advice document here, we estimate for the first year based on your balance, the fee to be $892, and that's essentially it's 1.1% on a yearly basis. And the way the ongoing service fee works is it is deducted in smaller monthly increments on a regular basis. So you pay a smaller amount each month, and it just kinda adds up to the 1.1 at the end of the year.\n\nWe also cap our fee currently at 600,000. So if we can get your balance up to that million dollar mark, we don't charge 1.1 percent on a million dollars. We cap that at 600,000 for you as well. Okay? Beautiful.\n\nWe've also got at the moment, you've got some insurances in your fund there as well. I'll go to those shortly as well. The other thing I kinda just wanted to point out was just giving you a quick run through of the investments there. I know you're not looking at the documents, so it can be a bit a lot to go through with the investments. But, essentially, once we remove your funds out of hub twenty four, you'll see your money distributed across a diversified portfolio, which includes access and exposure to cybersecurity.\n\nSo areas like India, The US, we're also looking at Australian equity as well with Afiniti. One of the things that you and I talked about was whether you wanted to see any active management in your portfolio, and you wanted to give that active management a go for the first year or two to see how that would perform. So we're looking at Afiniti Australian Fairs. Affinity are an active investment manager, and they tend to have between 20 to sorry. 20 to 35 different investments within their portfolio, and they're trying to outperform against the market.\n\nSo we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis. If at any point we feel that's no longer performing, it's not doing what it's supposed to, we'll look to replace that for you down the track. Okay? Beautiful. But your portfolio also will give you exposure to global health care.\n\nWe've got the RAFI Australian 200 to giving you access to some of the top 200 companies on the Australian share market as well as the Aufiniti exposure. We've got the JPMorgan Global Enhanced Research Fund. Essentially, JPMorgan and their research team look at areas growth globally and try to invest in areas where we see or where they see potential growth. And global exposure is really important for diversification. Ultimately, diversification is the best form of risk management, so we try to make sure we're diversifying across many different asset classes as well as industries and countries as well.\n\nOkay? And then you'll also see your funds diversified across having some fixed interest in there, so core composite bonds, and also some high yield interest accounts as well, which is quite good. And then we've also got some physical gold in there because having commodities is a fantastic asset, and also some cybersecurity in there for you as well because there is a growth area moving forward down the track. So have a look at the investments. I've just kinda gone through them a little bit basically for you because so what to kinda go into each one individually when you're not looking at the document.\n\nBut if you have any questions about any of those investments, you're welcome to let me know. I'm more than happy to break it down and give you a bit more detail. But do you have any questions so far at all? Really? Yeah.\n\nFantastic. With any supermom, we also do hold a certain amount of cash. We just try to make it a minimal amount of cash in the account, which covers essentially administration fees and things like that. So within HUD twenty four, you'll just need to take 1.25% cash in the account. It does work out you should have about $957 in the cash account there, but we monitor that for you.\n\nAnd HubSpot me for you'll probably notice we'll do a regular once a month. They do, like, a cash management thing where they just, you know, buy and sell to make sure that a cash account is topped up to the correct amount. So you'll see that in the document there as well. Okay? Beautiful.\n\nNow with the insurance side of things, at the moment within Hostplus, so you do have a bit of life and TBD. So you've got 229,160 of life and TBD cover. We talked about wanting to make sure that if anything happens to you with life and TPD that the mortgage is essentially covered. So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four. The reason I'm recommending that we do transfer that to begin with is that we went through a bit did that pre assessment with you.\n\nWith the pre assessment, having a look at the molds that were cut out, because of sort of what had happened, there is a risk that it could be a cancer exclusion on any new policies that we receive. So I am making a recommendation that we apply for new cover, but to limit the risk of having exclusions on as much of your cover as possible, I also wanna transfer over the cover from host plus into hub 24. Essentially, how this works is we the cover you have in host plus at the moment doesn't have any loadings or exclusions on it, and it gives you the first two hundred and twenty nine thousand one hundred and sixty of life and TBD completely exclusion free, which means that you can claim on it for any illness or injury, whether it's preexisting or not. So I wanna transfer that cover over from post class in the hub 24. It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy.\n\nWe're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD. That tops up your existing life and TBD cover to the level to cover the mortgage if anything happens to you. But because there is a risk with underwritten cover of having a cancer exclusion on there, there's a chance they may not put the exclusion on there, and that's great. But because there is a risk of that, I wanted to make sure we didn't have the exclusion on the whole cover that we could limit that as much as possible. So with ClearView, with it being underwritten cover, at the time of the application, you go through all these medical questions, and they're gonna wanna get reports from your doctors around the pathology and what happens.\n\nSo with that, if they decide to add the exclusion, the exclusion would be on that 420,000, which still leaves you with that lower amount of 229,160 completely exclusion free. These exclusions would probably only be added to PDD, but there is a chance they may add it to life. They don't generally add exclusions to life. Life is life. When you pass away, the amount pays out.\n\nBut disability cover is more is more open to having exclusions or loadings depending on health and depending on preexisting conditions as well. That's a little bit a lot to kinda go through. Do you have any questions in relation to that? I understand you may. Mhmm.\n\nNo. That's okay. I'll see if I can send it again. It's it's telling me it's sending, but it's trying to send. Let me just see.\n\nYeah. Yeah. Yeah. So one of the things we look at like, if we didn't if we didn't look to transfer the cover from post plus and we just applied for enough cover to cover the mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition. So you wouldn't be able to claim for cancer in related to the past the past illness, injury, or issue.\n\nYeah. I think it was it was a mole that was cut out, wasn't it? It was a cancerous mole that they had removed. Is that right? Or a lump?\n\nYeah. A mole. Yeah. Perfect. And, like, we all have lots of them, but they sort of wanna make sure it's the same as, like, when you have your car insurance.\n\nIf we didn't have car insurance and the storm was coming and we call up the insurance and, hey. If storm's coming, I wanna cover my car for storm damage, they will go, no. We can't do that because the risk of you making a claim is much higher. So the same thing sort of works when it comes to life and CBD insurance. They don't wanna cover for preexisting conditions because the risk of you making a claim is much higher.\n\nAnd that's why having some of this with your current host plus cover is really beneficial because it's what's called group cover. You haven't actually applied for this cover. It was just provided as a default option to you. So they actually have no idea about your health. They will do a health questionnaire with you at the time of claim if you had the claim.\n\nHowever, at the moment, it gives you that level of cover with no no exclusions on it. And as long as you've had this cover for a longer period of time, often with group cover, they don't really care that much about the the so the preexisting conditions. We've had this cover for a long time. It's been there for longer. You probably had that cover in place prior to the mold being cut out anyway.\n\nSo they're really not gonna look at that as a big thing, which gives you a lot more you have a higher chance of claiming on this $229,001.60 than the higher amount for the cancer if it ever came back, if you had the time on that. There's always a risk with insurances that you'll pay the premium, you'll get to retirement, and have never claimed on them, and they'll just cancel or we'll cancel them one of the two. So it's about covering yourself for that small one percent chance of having a risk. But the way this essentially works is that you'll have that default cover in place transferred to hub twenty four to give you a level of cover without any exclusions or loadings, and then we'll have the top up cover, which there is a chance there could be an exclusion attached to. There's also a chance they may not apply the exclusion.\n\nIt just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you. Okay? Excellent. With the cover, it will be paid out of the super funds, so it doesn't it's not gonna come out of your back pocket in any way, shape, or form. And, essentially, having a look at that, you do get a 15% discount on paying for insurances out of super, which, again, is really quite cool.\n\nWe do love that. But we do expect the premiums to be about $488 for the year. It is an increase because we are increasing the amount of cover, but it's only increasing the cover by about $241 for the year. So it doesn't have a large impact on your super, but it does have an impact over time. And we wanna make sure we review the level of cover you have, how it's paid, how much it's costing you so that we can adjust that down the track as well.\n\nThe biggest thing is when you sort of look at insurances, when you consider the five, ten, and twenty year impact, insurances do get more expensive over time as the risk of you making a claim increases as you get older. So we do wanna make sure that you hold the level of cover you're after. You are paying a a fair premium for it, but that is not impacting your super very heavily there. So we will just wanna review that with you moving forward. Does that make sense?\n\nYeah. Beautiful. All good. The last part of the advice is essentially the beneficiary nominations. So we will make sure that you have beneficiary nominations applied to your life cover, both with hub twenty four and with Clearview and on your hub twenty four super account, making sure that if anything did happen, touch wood, nothing ever does.\n\nBut if anything did happen, that your super and life insurances are paid out a 100% to raise so that he can take care of your family, making sure to pay off the mortgage and take some time off to alleviate stress and pressure and work out what he wants to do moving forward. So we will help you to make sure those apply to the account. We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there. If you do need another one or did need a referral through, let us know. But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as well.\n\nOkay? Beautiful. Excellent. We've also got in here when you are so the email that it has sent, it might just take a minute. I'm not sure how things are there.\n\nWe've had some a lot of rain. We've actually had about 200 normal rains the last forty eight hours. Yes. I'm working from home today because it's, like, there's local flooding and things like that. So it might take a minute for the email to come through to you.\n\nI do apologize that we might having some issues with the phone lines as well. Sorry about that. I know. I actually said today, maybe I need to move to somewhere a little bit less wet. It's it's pretty crazy how often we end up with this much rain.\n\nAnd, yeah, we all woke up, and our bosses are like, you know what? There's still a high risk of flooding, local flooding in certain areas. It's all work from home. It's just gonna be easier for everyone and safer for everyone today, and then the phone lines have been a little bit erratic. So sorry about that.\n\nYeah. All good. On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things. As noted, the implementation fee is 3.3%. The cap advance is a 150,000.\n\nYour balance is well below that, so the amount there that we expect is 2,614. With insurances, we do also receive remuneration from the insurer for making these recommendations once they are in place. These are legislated the same across the board, so they don't have any effect on what my recommendations are. But with regards to the Clearview recommendation, if the insurances are accepted and go into force, we would receive $248 for the first year based on 66% of the first year's premium, and then 22% say ongoing and a $145 moving forward as well. So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything.\n\nAnd you'll also see the ongoing remuneration. So the fee breaks down at 1.1 for you. And if you decide to come on board, we'll make sure raises is also reduced for you as well. Okay? All good.\n\nAll good. How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us. Attach to attach this DocuSign, you'll also have for your reference the appendices. I've also got a copy of the statement advice attached as an as an extra document. We've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well.\n\nWe also do have your original fax line filled out and the application for hub 24. So if you decide to sign it, it'll kind of ask you to sign all those documents. It just makes it easy to sign everything all at once. But if you are running through and having a look, it might be why this is taking a bit longer as well. There is quite a few attachments attached to it.\n\nSo it's probably thinking about sending all of them to you. I do apologize about that. But, yeah, if you once you do sign and return that back, we'd start by just opening up your Hub twenty four super account. We start by completing just a partial rollover. So we leave 10,000 behind in the host plus whilst we get your insurances in place.\n\nThat keeps your insurances in place host bus active until we can have the transfer completed and get the Clearview policy in place. Once those insurances are fully in place, then we complete a final rollover. We'll make sure in that time you also get your employer contributions form. We'll also do the lost super search there for you, and then we'll make sure your beneficiaries are also up to date there. So we do things in a little bit of more timely manner if you're unaware of what's happening, But we also do things to make sure we're not canceling insurance's prematurity, keep you protected at the same time.\n\nOkay? Beautiful. All good. Now I know that is quite a bit to go through. Is there any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes through?\n\nYeah. Yeah. Perfect. Yeah. Yeah.\n\nYeah. Beautiful. Beautiful. That's okay. That's not a problem at all.\n\nWhen that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest. I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well. So you're welcome to run your eyes over that. Have a really good read through. Let me know if there's any additional questions that you might have, and, yeah, if you're happy to take on board the recommendation.\n\nSo just get you to sign and return it back. Alternatively, any questions at all, come back and let me know. I'll make time to run through it with you, and we can have a chat about, you know, what what your questions are and how to answer them. And if there is any part of the advice that you don't wanna take on board, we do have a little text box on the last page. You're welcome to write there if there's any alterations or any part of the advice you don't wish to proceed with.\n\nOkay? Easy. Thank you so much. I will let you go. You can have a bit of time to reach you that one.\n\nI'm I'm gonna go back in and see if it needs me to resend it again because it's telling me it's sent, but I also know my computer's a little bit slow. So I'll go back into the back end there and probably just try to resend the document for you as well. So, hopefully, it pops through in the next few minutes and then just, yeah, take some time. Okay? Yep.\n\nAbsolutely. Good luck Queensland. Oh, I bet it is. I bet it is. We're still in 20 degrees.\n\nI'm happy with that. Oh, nice. Yeah. Yep. Yeah.\n\nNice. Oh, we'll get through that winter. Yeah. Absolutely. Apartmentizing.\n\nAll good. My pleasure. It's been a pleasure putting this together for you. Again, if there's any questions, let me know. But I hope you have a wonderful day, and thank you for calling me back.\n\nI appreciate your time. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":2.08,"end":2.98,"sentiment":"neutral","sentiment_score":0.08931980654597282},{"text":"Oh, perfect.","start":6.0,"end":6.64,"sentiment":"positive","sentiment_score":0.7085868418216705},{"text":"I was just sending a text message out to her.","start":6.64,"end":8.639999,"sentiment":"positive","sentiment_score":0.44839938879013064},{"text":"Easy.","start":8.639999,"end":9.139999,"sentiment":"positive","sentiment_score":0.7207174301147461},{"text":"Yeah.","start":12.905,"end":13.145,"sentiment":"neutral","sentiment_score":0.1946382224559784}],"sentiment":"positive","sentiment_score":0.43719767732545733,"num_words":16,"start":2.08,"end":13.145},{"sentences":[{"text":"Whenever you're ready.","start":13.145,"end":14.025,"sentiment":"neutral","sentiment_score":0.2172012279431025},{"text":"Thank you so much.","start":14.025,"end":15.245,"sentiment":"positive","sentiment_score":0.7074387222528458},{"text":"Thanks.","start":18.425,"end":18.925,"sentiment":"positive","sentiment_score":0.3435959219932556},{"text":"Oh, hi.","start":19.465,"end":19.945,"sentiment":"neutral","sentiment_score":0.16691473126411438},{"text":"This is Dana.","start":19.945,"end":20.825,"sentiment":"neutral","sentiment_score":0.19066608945528665}],"sentiment":"positive","sentiment_score":0.3639063250560027,"num_words":13,"start":13.145,"end":20.825},{"sentences":[{"text":"How are you?","start":20.825,"end":21.724998,"sentiment":"neutral","sentiment_score":0.20841389894485474},{"text":"That's absolutely fine.","start":25.08,"end":26.6,"sentiment":"positive","sentiment_score":0.5093592206637064},{"text":"It's not a problem at all.","start":26.6,"end":28.04,"sentiment":"positive","sentiment_score":0.4116836835940679},{"text":"I had to just book in to go through your statement of advice.","start":28.04,"end":31.0,"sentiment":"neutral","sentiment_score":0.23916134582116053},{"text":"Is now still a good time there for you?","start":31.0,"end":32.94,"sentiment":"neutral","sentiment_score":0.18558530840608808}],"sentiment":"neutral","sentiment_score":0.2765525509329403,"num_words":34,"start":20.825,"end":32.94},{"sentences":[{"text":"Fantastic.","start":35.64,"end":36.14,"sentiment":"positive","sentiment_score":0.3624324500560761},{"text":"Do you happen to have access to your email at the moment at all?","start":36.92,"end":40.06,"sentiment":"neutral","sentiment_score":0.08934694874499526},{"text":"Oh, no.","start":43.615,"end":44.015,"sentiment":"neutral","sentiment_score":-0.057707417756319046},{"text":"That's it.","start":44.015,"end":44.915,"sentiment":"neutral","sentiment_score":-0.07748772203922272},{"text":"Go ahead.","start":46.335,"end":47.075,"sentiment":"neutral","sentiment_score":-0.034495772793889046}],"sentiment":"neutral","sentiment_score":0.06066228130034038,"num_words":21,"start":35.64,"end":47.075},{"sentences":[{"text":"Oh, that's okay.","start":47.615,"end":48.675,"sentiment":"neutral","sentiment_score":0.021325121633708477},{"text":"Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together?","start":49.055,"end":54.415,"sentiment":"neutral","sentiment_score":0.007832743227481842},{"text":"What's more preferable to you?","start":54.415,"end":56.275,"sentiment":"neutral","sentiment_score":-0.004824494570493698},{"text":"Yeah.","start":61.190002,"end":61.59,"sentiment":"neutral","sentiment_score":0.0772659108042717},{"text":"No.","start":61.59,"end":61.83,"sentiment":"neutral","sentiment_score":0.10558320581912994}],"sentiment":"neutral","sentiment_score":0.011190291515789753,"num_words":43,"start":47.615,"end":61.83},{"sentences":[{"text":"Not a problem at all.","start":61.83,"end":62.79,"sentiment":"neutral","sentiment_score":0.16430090069770814},{"text":"So what I'll do is I'll email this one through to you so it is in your emails when you do get there.","start":62.79,"end":67.21,"sentiment":"neutral","sentiment_score":0.1577211816025817},{"text":"And then, oh, sorry.","start":67.91,"end":70.265,"sentiment":"neutral","sentiment_score":0.05681960005313158},{"text":"It's saying there's an error.","start":70.265,"end":71.384995,"sentiment":"neutral","sentiment_score":-0.04861895963549614},{"text":"I'll get that sorted.","start":71.384995,"end":72.265,"sentiment":"neutral","sentiment_score":0.023763403296470642}],"sentiment":"neutral","sentiment_score":0.11044704623338653,"num_words":41,"start":61.83,"end":72.265},{"sentences":[{"text":"I'll email it through to you shortly.","start":72.265,"end":73.384995,"sentiment":"neutral","sentiment_score":0.17192559369972774},{"text":"That way, it's there when you do happen to get home and do have some time to read it through this afternoon.","start":73.384995,"end":77.564995,"sentiment":"neutral","sentiment_score":0.15479303828694604},{"text":"In the meantime, I'll just run through the advice there for you, give you an update of what the recommendations are.","start":78.185,"end":83.405,"sentiment":"neutral","sentiment_score":0.14507302464473815},{"text":"If you happen to have any questions through the call, just let me know.","start":83.91,"end":87.93,"sentiment":"neutral","sentiment_score":0.11327467965228218},{"text":"Okay?","start":87.99,"end":88.49,"sentiment":"neutral","sentiment_score":0.1061285212635994}],"sentiment":"neutral","sentiment_score":0.14380667003301473,"num_words":65,"start":72.265,"end":88.49},{"sentences":[{"text":"Fantastic.","start":90.07,"end":90.57,"sentiment":"positive","sentiment_score":0.5240010619163513},{"text":"So, Elise, on the front of the document, when you are looking at it, you'll note it does have the statement of advice prepared for yourself as of the 03/18/2026.","start":92.63,"end":101.215,"sentiment":"neutral","sentiment_score":0.18350816996147234},{"text":"Our advice documents are valid for sixty days from the date on the front of the document there, and it has been prepared by my lovely team here at Oakview Financial.","start":101.595,"end":109.755,"sentiment":"neutral","sentiment_score":0.1556078736339846},{"text":"And my authorized representative number for you is 1304394.","start":109.755,"end":114.35,"sentiment":"neutral","sentiment_score":0.11539676288763683},{"text":"Okay?","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":0.08592565357685089}],"sentiment":"neutral","sentiment_score":0.16635537170805037,"num_words":72,"start":90.07,"end":114.85},{"sentences":[{"text":"As you are running through, it does start by going through the best interest, Judy, just letting you know that any advice provided is provided under the best interest.","start":116.75,"end":124.03,"sentiment":"neutral","sentiment_score":0.26042361454717045},{"text":"So we go through the process we do of making sure we understand your goals, objectives, and what you're looking for with regard to financial advice.","start":124.03,"end":131.125,"sentiment":"neutral","sentiment_score":0.20872196096640366},{"text":"So it can be provided to meet your goals, put you in a better position at the end of the day, and work towards your long term retirement goals there as well.","start":131.125,"end":139.125,"sentiment":"positive","sentiment_score":0.342113439925015},{"text":"Okay?","start":139.125,"end":139.625,"sentiment":"neutral","sentiment_score":0.0853220522403717},{"text":"With this advice, we've spoken areas of superannuation.","start":141.94,"end":144.76,"sentiment":"neutral","sentiment_score":0.03757128040888347}],"sentiment":"neutral","sentiment_score":0.2532560227094412,"num_words":96,"start":116.75,"end":144.76},{"sentences":[{"text":"So, essentially, you're looking to be able to cut back and work part time in your mid sixties and then hopefully retire in the seventies.","start":145.3,"end":152.58,"sentiment":"neutral","sentiment_score":-0.012093165665864944},{"text":"So we're looking long term.","start":152.58,"end":153.78,"sentiment":"neutral","sentiment_score":-0.035422003641724584},{"text":"They're trying to make your physical work as hard as possible towards that.","start":153.78,"end":157.655,"sentiment":"neutral","sentiment_score":-0.15190742967220452},{"text":"We're also looking at insurances.","start":158.115,"end":160.295,"sentiment":"neutral","sentiment_score":-0.016497773909941317},{"text":"So wanting to make sure if anything did happen to you that you could pay off the more, that your insurances could pay off the mortgage.","start":160.755,"end":167.175,"sentiment":"neutral","sentiment_score":0.011762722180439876}],"sentiment":"neutral","sentiment_score":-0.030147214033137505,"num_words":74,"start":145.3,"end":167.175},{"sentences":[{"text":"And we've also scoped in the estate planning side of things as well, just making sure that a will power of attorney and with regard to your super, making sure that beneficiaries are also in line with your goals and wishes.","start":168.1,"end":178.84001,"sentiment":"neutral","sentiment_score":0.15257726246263922},{"text":"Okay?","start":178.98001,"end":179.48001,"sentiment":"neutral","sentiment_score":0.05779974162578583},{"text":"Areas that we're not looking at in advice today is salary sacrifice.","start":181.895,"end":185.675,"sentiment":"neutral","sentiment_score":-0.14738881774246693},{"text":"So at the moment, not wanting to look at making any additional contributions to super.","start":185.815,"end":190.055,"sentiment":"neutral","sentiment_score":-0.1571658839782079},{"text":"However, it can be reassessed down the track should you wish to do so.","start":190.055,"end":193.675,"sentiment":"neutral","sentiment_score":-0.033511564401643615}],"sentiment":"neutral","sentiment_score":0.020700620823954963,"num_words":83,"start":168.1,"end":193.675},{"sentences":[{"text":"When we look at insurances, we're just looking at the licensed EBD.","start":195.0,"end":198.78,"sentiment":"neutral","sentiment_score":0.012771874045332273},{"text":"You have made mention you weren't worried too much about getting any income protection.","start":199.07999,"end":202.78,"sentiment":"neutral","sentiment_score":0.020224356491650854},{"text":"You do have about a year's worth of income set aside to cover yourself and you've been if anything is occurring and and not looking at trauma as well, not looking at any additional insurances paid outside of Super.","start":203.48,"end":213.97499,"sentiment":"neutral","sentiment_score":0.0007549740183047759},{"text":"Okay?","start":214.11499,"end":214.61499,"sentiment":"neutral","sentiment_score":0.06686880439519882},{"text":"Perfect.","start":216.19499,"end":216.69499,"sentiment":"positive","sentiment_score":0.6275918483734131}],"sentiment":"neutral","sentiment_score":0.01731803162551638,"num_words":67,"start":195.0,"end":216.69499},{"sentences":[{"text":"Excellent.","start":216.995,"end":217.495,"sentiment":"positive","sentiment_score":0.6124197244644165},{"text":"So I'll start by sort of going through the recommendations there.","start":218.595,"end":221.715,"sentiment":"neutral","sentiment_score":0.2163688079877333},{"text":"Now at the moment, you do have your host Plus super account.","start":221.715,"end":225.61,"sentiment":"neutral","sentiment_score":0.06204481841996312},{"text":"We did go through and do a bit of research on that and all the other super funds out there to see what was appropriate to your goals and what was gonna help put you in a better position moving forward there.","start":225.61,"end":235.79,"sentiment":"neutral","sentiment_score":0.19729249374497504},{"text":"At the moment, within Host Plus, the balance have was about 79,219, and you are paying administration fees, investment fees.","start":236.17,"end":244.42499,"sentiment":"neutral","sentiment_score":0.0030317413154989483}],"sentiment":"neutral","sentiment_score":0.14051086042986013,"num_words":86,"start":216.995,"end":244.42499},{"sentences":[{"text":"Your contributions aren't quite going in at the moment, but they should be.","start":244.72499,"end":248.08499,"sentiment":"neutral","sentiment_score":-0.046929104826771297},{"text":"Have you managed to get any more word from your employer in relation to your contributions?","start":248.08499,"end":252.665,"sentiment":"neutral","sentiment_score":-0.008385225024539977},{"text":"Perfect.","start":260.22,"end":260.72,"sentiment":"positive","sentiment_score":0.5076525211334229},{"text":"Perfect.","start":268.875,"end":269.375,"sentiment":"positive","sentiment_score":0.7203902006149292},{"text":"That is excellent.","start":269.51498,"end":270.575,"sentiment":"positive","sentiment_score":0.797746996084849}],"sentiment":"neutral","sentiment_score":0.08461887490771272,"num_words":34,"start":244.72499,"end":270.575},{"sentences":[{"text":"Good to see.","start":270.635,"end":271.435,"sentiment":"positive","sentiment_score":0.7430750727653503},{"text":"And, hopefully, I continue to keep paying those for you because it's only to benefit you.","start":271.435,"end":275.695,"sentiment":"positive","sentiment_score":0.4942674618214369},{"text":"So yeah.","start":276.075,"end":278.735,"sentiment":"neutral","sentiment_score":0.09319504536688326},{"text":"Absolutely.","start":282.13,"end":282.63,"sentiment":"neutral","sentiment_score":0.18586385250091553},{"text":"Absolutely.","start":287.01,"end":287.51,"sentiment":"neutral","sentiment_score":0.18640053272247312}],"sentiment":"positive","sentiment_score":0.4650503949302694,"num_words":23,"start":270.635,"end":287.51},{"sentences":[{"text":"And at the end of the day, it's part of your wage.","start":287.73,"end":289.89,"sentiment":"neutral","sentiment_score":0.06794494700928529},{"text":"The first 12% of your income is meant to go into super.","start":289.89,"end":293.73,"sentiment":"neutral","sentiment_score":0.02354230172932148},{"text":"So, essentially, he's basically holding back part of your income, your hard earned time.","start":293.73,"end":298.615,"sentiment":"neutral","sentiment_score":-0.03327497241220304},{"text":"So yeah.","start":298.615,"end":299.675,"sentiment":"neutral","sentiment_score":0.10621614009141922},{"text":"All good.","start":301.655,"end":302.475,"sentiment":"neutral","sentiment_score":0.3230694830417633}],"sentiment":"neutral","sentiment_score":0.035489728984733425,"num_words":42,"start":287.73,"end":302.475},{"sentences":[{"text":"So with regards to the host plus there, we have a bit of a look.","start":302.935,"end":305.975,"sentiment":"neutral","sentiment_score":0.023640101527174315},{"text":"Now the way you are currently invested, we sort of talked into that risk profile questionnaire, and you have scored as more of a growth investor.","start":305.975,"end":313.57,"sentiment":"neutral","sentiment_score":0.02451214029525335},{"text":"That typically sees about 80% in growth investments of things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in defensive investments of things like cash, bonds, and fixed interest.","start":313.87,"end":328.76498,"sentiment":"neutral","sentiment_score":0.05695736245252192},{"text":"With the way your host plus is currently invested, you're in more of a balanced growth sort of option there.","start":329.065,"end":333.705,"sentiment":"neutral","sentiment_score":0.08158753495663404},{"text":"So you've got about 75.7% in those growth investments, and a bit higher about 24.3% in defensive investments.","start":333.705,"end":342.96,"sentiment":"neutral","sentiment_score":0.09835380398564869}],"sentiment":"neutral","sentiment_score":0.05607000705512131,"num_words":119,"start":302.935,"end":342.96},{"sentences":[{"text":"So you're probably taking a little bit less risk than what we sort of like to see for you at the moment with regards to that investment profile there.","start":342.96,"end":350.895,"sentiment":"neutral","sentiment_score":-0.001810481579139315},{"text":"You could definitely have your funds working a bit harder.","start":351.055,"end":353.455,"sentiment":"neutral","sentiment_score":-0.038183821365237236},{"text":"So what we've done is we had a bit of a look at how that has been performing on average over the past five years.","start":353.455,"end":359.055,"sentiment":"neutral","sentiment_score":0.02685724288225174},{"text":"It has sort of shown about a 7.56% there.","start":359.055,"end":362.97498,"sentiment":"neutral","sentiment_score":-0.09651511907577515},{"text":"So not the greatest return.","start":362.97498,"end":364.73,"sentiment":"negative","sentiment_score":-0.3482874929904938}],"sentiment":"neutral","sentiment_score":-0.030422880051609796,"num_words":78,"start":342.96,"end":364.73},{"sentences":[{"text":"We wanna sort of see if we can make it work a bit harder for you.","start":364.73,"end":367.95,"sentiment":"neutral","sentiment_score":-0.33055902644991875},{"text":"So what I am recommending is that we do roll you out of host plus, and we do roll you into a retail fund called Hub twenty four.","start":368.17,"end":375.95,"sentiment":"neutral","sentiment_score":0.045248885572488816},{"text":"Now I know Reason's already on board, but have you other than that, have you heard of Hub twenty four before or retail rep platforms?","start":376.305,"end":382.965,"sentiment":"neutral","sentiment_score":0.0098658911511302},{"text":"Or no.","start":383.265,"end":386.865,"sentiment":"neutral","sentiment_score":-0.02117412956431508},{"text":"That's okay.","start":386.865,"end":387.585,"sentiment":"neutral","sentiment_score":0.04624050483107567}],"sentiment":"neutral","sentiment_score":-0.05103007668297585,"num_words":73,"start":364.73,"end":387.585},{"sentences":[{"text":"So Hub twenty four is an investor pro an investor platform.","start":387.585,"end":390.965,"sentiment":"neutral","sentiment_score":0.0899051387201656},{"text":"They do super accounts, pension accounts, and normal investment accounts as well.","start":391.56,"end":395.58002,"sentiment":"neutral","sentiment_score":0.11044956060747306},{"text":"Hub twenty four and other platforms like it, there's MyNorth, BT, Panorama.","start":395.96002,"end":400.06,"sentiment":"neutral","sentiment_score":0.12019735388457775},{"text":"There's lots of map there.","start":400.2,"end":401.72,"sentiment":"neutral","sentiment_score":0.1569283574819565},{"text":"We like them as advisers because they actually give us access to a lot more different investment options.","start":401.72,"end":406.44,"sentiment":"positive","sentiment_score":0.382580724855264}],"sentiment":"neutral","sentiment_score":0.19703128163156838,"num_words":58,"start":387.585,"end":406.44},{"sentences":[{"text":"So while plus Host Plus tends to give you access to just over 20 different investment options, Hub twenty four gives you access to 1,140 different investment options from here in Australia and overseas.","start":406.44,"end":418.305,"sentiment":"neutral","sentiment_score":0.22736038464833708},{"text":"That's looking at managed funds, exchange trader funds, and also, you know, individual shares as well.","start":418.925,"end":425.34003,"sentiment":"neutral","sentiment_score":0.17260738462209702},{"text":"So we can build portfolios that are working harder, but it also gives us access to alter and change those portfolios moving forward, which is really important.","start":425.34003,"end":433.44,"sentiment":"neutral","sentiment_score":0.2729990432659785},{"text":"Part of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now.","start":433.90002,"end":443.995,"sentiment":"neutral","sentiment_score":0.0050388116921697345},{"text":"Because what might be recommended initially in a couple of years might need to be altered and changed for you so that your super continues to work hard and grow on compound over time.","start":443.995,"end":453.96,"sentiment":"neutral","sentiment_score":-0.040044893236721266}],"sentiment":"neutral","sentiment_score":0.11423135232435513,"num_words":146,"start":406.44,"end":453.96},{"sentences":[{"text":"Okay?","start":454.02,"end":454.52,"sentiment":"neutral","sentiment_score":0.04863980412483215},{"text":"Yeah.","start":457.38,"end":457.88,"sentiment":"neutral","sentiment_score":0.08022463321685791},{"text":"So with regard to Hub '24, with regard to the change there, we'd be putting you into our growth investment.","start":458.18,"end":466.535,"sentiment":"neutral","sentiment_score":0.13860865831375122},{"text":"We increased that from 75% to the 82% invested there.","start":467.075,"end":471.155,"sentiment":"neutral","sentiment_score":0.256852887570858},{"text":"So you have more of those growth investments working harder for you, making your money work towards your goals.","start":471.155,"end":476.61502,"sentiment":"positive","sentiment_score":0.4046326452179959}],"sentiment":"neutral","sentiment_score":0.2579918968326905,"num_words":51,"start":454.02,"end":476.61502},{"sentences":[{"text":"And then we're gonna decrease those defensive investments like cash and loans a little bit.","start":476.99,"end":481.15,"sentiment":"neutral","sentiment_score":0.08107878218094508},{"text":"So we're gonna go from 24.3% in defensive investments down to 18%.","start":481.15,"end":486.35,"sentiment":"neutral","sentiment_score":0.0670232197100466},{"text":"So you're taking a little bit more risk, but also wanting to increase those returns as well.","start":486.35,"end":490.995,"sentiment":"neutral","sentiment_score":0.17849500827929554},{"text":"The investment portfolio that was generated for you over the past five years has averaged about 10.9%.","start":491.475,"end":498.455,"sentiment":"neutral","sentiment_score":0.32712770823170156},{"text":"So, essentially, it has averaged about 3.34% more than what your current portfolio is averaging, which if it's compounded forward, can actually see you grow your super and provide a greater benefit.","start":498.675,"end":510.56,"sentiment":"positive","sentiment_score":0.405685470206663}],"sentiment":"neutral","sentiment_score":0.255771286704618,"num_words":93,"start":476.99,"end":510.56},{"sentences":[{"text":"When we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years.","start":511.18,"end":522.255,"sentiment":"neutral","sentiment_score":0.19717854981621105},{"text":"Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time.","start":522.275,"end":528.915,"sentiment":"neutral","sentiment_score":0.20325460247695445},{"text":"So it does give you a greater benefit depending on how the market reacts.","start":528.915,"end":532.615,"sentiment":"neutral","sentiment_score":0.3182203375867435},{"text":"Okay?","start":532.835,"end":533.335,"sentiment":"neutral","sentiment_score":0.1372089684009552},{"text":"Beautiful.","start":534.75,"end":535.25,"sentiment":"positive","sentiment_score":0.6224561929702759}],"sentiment":"neutral","sentiment_score":0.23023027926683426,"num_words":66,"start":511.18,"end":535.25},{"sentences":[{"text":"I have considered contributions going into the account because we do know your employer is supposed to pay them, and you were trying to get them in there.","start":535.31,"end":541.94995,"sentiment":"neutral","sentiment_score":0.27483886214239256},{"text":"And now they're going in.","start":541.94995,"end":543.14996,"sentiment":"neutral","sentiment_score":0.2859680473804474},{"text":"That is fantastic.","start":543.14996,"end":544.05,"sentiment":"positive","sentiment_score":0.8169040282567342},{"text":"We'll make sure to monitor and see them moving on a regular basis.","start":544.26996,"end":547.73,"sentiment":"positive","sentiment_score":0.4265538156032562},{"text":"And with the legislation changes coming into effect, your employer will need to make those contributions in line with your wages.","start":548.075,"end":554.875,"sentiment":"neutral","sentiment_score":0.20629242630231948}],"sentiment":"neutral","sentiment_score":0.30647687166929244,"num_words":70,"start":535.31,"end":554.875},{"sentences":[{"text":"So we'll have true dollar cost averaging, which means you'll be able to take advantage of the market ups and downs moving forward, which is fantastic.","start":554.875,"end":561.695,"sentiment":"positive","sentiment_score":0.49778042275172013},{"text":"Okay?","start":562.15497,"end":562.65497,"sentiment":"neutral","sentiment_score":0.21265238523483276},{"text":"Now Hostplus is a little bit more we it does cost a bit more administration fees, so we understand putting you into a retail platform does mean the administration fees are slightly higher.","start":564.69,"end":576.53,"sentiment":"neutral","sentiment_score":-0.03989684909130588},{"text":"So with your administration fees within Hub twenty four, it'll show you about $480 more for the first year.","start":576.53,"end":583.325,"sentiment":"neutral","sentiment_score":0.059193663691219534},{"text":"However, your investment fees are decreased by 563.","start":583.465,"end":587.645,"sentiment":"neutral","sentiment_score":0.04700657445937395}],"sentiment":"neutral","sentiment_score":0.15332275359281178,"num_words":87,"start":554.875,"end":587.645},{"sentences":[{"text":"So at the moment, in host plus, your investment fees are costing an average of about $848.","start":587.865,"end":594.82996,"sentiment":"neutral","sentiment_score":0.06993831584558767},{"text":"In Hub 24, we can reduce those investment fees down to 285.","start":595.05,"end":599.45,"sentiment":"neutral","sentiment_score":0.13302030228078365},{"text":"So whilst your admin fees go up a little bit by utilizing this platform, this sophisticated platform, your investment fees actually decrease, which is actually gonna save you overall at the end of the day.","start":599.45,"end":611.405,"sentiment":"neutral","sentiment_score":0.3176321595907211},{"text":"Okay?","start":611.465,"end":611.965,"sentiment":"neutral","sentiment_score":0.153478741645813},{"text":"Perfect.","start":613.78503,"end":614.28503,"sentiment":"neutral","sentiment_score":0.06175463646650314}],"sentiment":"neutral","sentiment_score":0.21390233273533257,"num_words":66,"start":587.865,"end":614.28503},{"sentences":[{"text":"As I mentioned, the growth portfolio will put you in, see if you're taking on a little bit more risk there, but also making sure your funds are working harder, and the five year rolling average return has provided a greater level of return, which is important.","start":615.385,"end":626.58,"sentiment":"neutral","sentiment_score":0.2940796019232019},{"text":"One of the things we did also talk about was the fee structure.","start":627.36,"end":630.56,"sentiment":"neutral","sentiment_score":0.1957749346127877},{"text":"So by coming on board with O.","start":630.56,"end":632.24,"sentiment":"positive","sentiment_score":0.34034016728401184},{"text":"T.","start":632.24,"end":632.4,"sentiment":"neutral","sentiment_score":0.1564728617668152},{"text":"Financial, everything we do up until the point you decide to come on board is completely complimentary.","start":632.4,"end":637.995,"sentiment":"positive","sentiment_score":0.3807264364817563}],"sentiment":"neutral","sentiment_score":0.2985649281564881,"num_words":85,"start":615.385,"end":637.995},{"sentences":[{"text":"If you decide to take on the recommendation to come on board with us, we do charge an implementation fee for running through the implementation of the advice and the cost of providing the advice as well.","start":638.775,"end":649.03503,"sentiment":"neutral","sentiment_score":0.3062448328411257},{"text":"That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document.","start":649.58997,"end":659.93,"sentiment":"neutral","sentiment_score":0.19626313499335585},{"text":"It's 3.3%, and it's capped at balances of 150,000.","start":660.63,"end":664.90497,"sentiment":"neutral","sentiment_score":0.17539426353242663},{"text":"So it shows you in here.","start":665.365,"end":666.885,"sentiment":"neutral","sentiment_score":0.24179036170244217},{"text":"And how that essentially works is with the implementation, we'll open up your super account.","start":666.885,"end":671.125,"sentiment":"neutral","sentiment_score":0.27877637147903445}],"sentiment":"neutral","sentiment_score":0.25243360254292685,"num_words":96,"start":638.775,"end":671.125},{"sentences":[{"text":"We'll roll the funds from Post Plus into Hub 24.","start":671.125,"end":674.185,"sentiment":"neutral","sentiment_score":0.22975098639726638},{"text":"As soon as the funds hit the account, we deduct that fee of $2,614.","start":674.325,"end":679.625,"sentiment":"neutral","sentiment_score":0.26413014211824964},{"text":"Then we have the funds invested for you, and then it starts to make that money back nice and quick.","start":679.79004,"end":684.75,"sentiment":"positive","sentiment_score":0.5075495913624763},{"text":"Does that make sense?","start":684.75,"end":685.89,"sentiment":"neutral","sentiment_score":0.2213718593120575},{"text":"Sure.","start":689.63,"end":690.13,"sentiment":"neutral","sentiment_score":-0.08454576134681702}],"sentiment":"positive","sentiment_score":0.3458625583016143,"num_words":49,"start":671.125,"end":690.13},{"sentences":[{"text":"Mhmm.","start":694.15497,"end":694.65497,"sentiment":"neutral","sentiment_score":-0.060544513165950775},{"text":"Yeah.","start":710.64996,"end":711.14996,"sentiment":"neutral","sentiment_score":0.09775389730930328},{"text":"So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive money from past employers, they will just reopen the account, and we'll be able to roll those funds back over into hub 24 without any issues whatsoever.","start":711.29,"end":726.505,"sentiment":"neutral","sentiment_score":0.20068395340984518},{"text":"The other option is if if they don't pay it to Hostplus, if the ATO collect the funds, because at tax time, your past employers are also supposed to declare how much they've paid for all their employees in regards to, their employer contributions.","start":727.205,"end":742.31,"sentiment":"neutral","sentiment_score":0.060863089028068564},{"text":"So if the ATO decides to collect the money, the ATO will collect it, put it in their holding account, and they find your open account for you and have the money moved into HUB 24.","start":743.08997,"end":753.145,"sentiment":"neutral","sentiment_score":0.04193438817229536}],"sentiment":"neutral","sentiment_score":0.10361045417154119,"num_words":126,"start":694.15497,"end":753.145},{"sentences":[{"text":"So either way, if it does go into host plus, we'll be able to help you with it.","start":753.145,"end":757.305,"sentiment":"neutral","sentiment_score":0.15272361433340442},{"text":"You'll get notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you.","start":757.305,"end":762.9,"sentiment":"neutral","sentiment_score":0.17532846213955627},{"text":"But if the ATO collect the funds, they'll look for your open account because they'll have a record of it, and they'll be able to deposit that into the Hub twenty four account for you as well.","start":763.14,"end":773.80005,"sentiment":"neutral","sentiment_score":0.12385966689200015},{"text":"Yeah.","start":773.86005,"end":774.36005,"sentiment":"neutral","sentiment_score":0.20972131192684176},{"text":"Yeah.","start":776.805,"end":777.305,"sentiment":"neutral","sentiment_score":0.31505677103996277}],"sentiment":"neutral","sentiment_score":0.14720857363978498,"num_words":76,"start":753.145,"end":777.305},{"sentences":[{"text":"We can also with your current employer, we'll also give you a choice of Superform.","start":777.845,"end":781.70496,"sentiment":"neutral","sentiment_score":0.28557712535063423},{"text":"So you'll be able to give him that and say this is where my employer contributions need to go into so he can start making those employer contributions straight away into that account for you.","start":781.76495,"end":790.985,"sentiment":"neutral","sentiment_score":0.23256504578249795},{"text":"We can also give it to you.","start":791.31,"end":792.51,"sentiment":"neutral","sentiment_score":0.166461176105908},{"text":"So if you did wanna just provide that to your past employer, you can go, hey.","start":792.51,"end":796.43,"sentiment":"neutral","sentiment_score":0.12364049861207604},{"text":"This is where my super is now.","start":796.43,"end":798.19,"sentiment":"neutral","sentiment_score":0.1148684812443597}],"sentiment":"neutral","sentiment_score":0.2046373632736504,"num_words":80,"start":777.845,"end":798.19},{"sentences":[{"text":"Make sure those contributions go into here.","start":798.19,"end":800.51,"sentiment":"neutral","sentiment_score":0.13675157938684737},{"text":"And, hopefully, they can even just change what they're paying them through to as well as part of their payroll.","start":800.51,"end":804.77,"sentiment":"neutral","sentiment_score":0.12623299434781074},{"text":"Okay?","start":804.99,"end":805.49,"sentiment":"neutral","sentiment_score":0.0856194943189621},{"text":"Yeah.","start":808.825,"end":809.325,"sentiment":"neutral","sentiment_score":0.26716065406799316},{"text":"Easy.","start":809.465,"end":809.965,"sentiment":"neutral","sentiment_score":0.310039222240448}],"sentiment":"neutral","sentiment_score":0.13815801044305165,"num_words":30,"start":798.19,"end":809.965},{"sentences":[{"text":"Either way, we'll make sure we help you with that.","start":810.025,"end":812.185,"sentiment":"neutral","sentiment_score":0.331386636197567},{"text":"It's not a problem at all.","start":812.185,"end":813.465,"sentiment":"positive","sentiment_score":0.335388720035553},{"text":"We're pretty well versed in making sure we find money.","start":813.465,"end":817.005,"sentiment":"neutral","sentiment_score":0.2811859682202339},{"text":"Part of that process is if you come on board as well, we always do a lot super search for you.","start":817.22504,"end":821.79004,"sentiment":"neutral","sentiment_score":0.24320496973537264},{"text":"So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well.","start":821.79004,"end":840.22504,"sentiment":"neutral","sentiment_score":0.16196084353658888}],"sentiment":"neutral","sentiment_score":0.20929868456696263,"num_words":119,"start":810.025,"end":840.22504},{"sentences":[{"text":"So as part of our process, we'll make sure that lost super search is done for you as well.","start":840.22504,"end":844.965,"sentiment":"neutral","sentiment_score":0.16567540717752358},{"text":"Okay?","start":845.025,"end":845.525,"sentiment":"neutral","sentiment_score":0.15629206597805023},{"text":"Beautiful.","start":847.70996,"end":848.20996,"sentiment":"positive","sentiment_score":0.6340658664703369},{"text":"So that's the implementation fee.","start":849.31,"end":851.14996,"sentiment":"neutral","sentiment_score":0.09054792746901512},{"text":"As I said, it's only charged if you do decide to come on board.","start":851.14996,"end":853.94995,"sentiment":"neutral","sentiment_score":0.11326101209436144}],"sentiment":"neutral","sentiment_score":0.14941461188718677,"num_words":40,"start":840.22504,"end":853.94995},{"sentences":[{"text":"It's a one off fee for this advice document.","start":853.94995,"end":856.29,"sentiment":"neutral","sentiment_score":0.1918446645140648},{"text":"We do provide ongoing advice and support to you at no additional charge with regards to that.","start":856.75,"end":861.665,"sentiment":"positive","sentiment_score":0.4438526981017169},{"text":"We never charge this implementation fee ever again for any advice that you provide.","start":861.665,"end":865.605,"sentiment":"neutral","sentiment_score":0.27992131241730284},{"text":"The other fee that we do like to disclose or have to disclose is the ongoing service fee.","start":867.025,"end":871.265,"sentiment":"neutral","sentiment_score":0.06946860005458196},{"text":"So by coming on board with us, you will pay an ongoing service fee.","start":871.265,"end":875.04,"sentiment":"neutral","sentiment_score":0.1644187340778964}],"sentiment":"neutral","sentiment_score":0.23254574028154215,"num_words":72,"start":853.94995,"end":875.04},{"sentences":[{"text":"Because Reese is already a client with us, it is reduced to 1.1% for yourself.","start":875.51996,"end":880.66,"sentiment":"neutral","sentiment_score":0.2551339368025462},{"text":"And if you decide to come on board, we'll also reduce that for Reese as well to reduce his fees.","start":880.72,"end":885.54,"sentiment":"neutral","sentiment_score":0.2528591826558113},{"text":"Essentially, you'll see in the advice document here, we estimate for the first year based on your balance, the fee to be $892, and that's essentially it's 1.1% on a yearly basis.","start":886.32,"end":899.045,"sentiment":"neutral","sentiment_score":0.12402123119682074},{"text":"And the way the ongoing service fee works is it is deducted in smaller monthly increments on a regular basis.","start":899.105,"end":904.62,"sentiment":"neutral","sentiment_score":0.12886115424335004},{"text":"So you pay a smaller amount each month, and it just kinda adds up to the 1.1 at the end of the year.","start":904.7,"end":910.24,"sentiment":"neutral","sentiment_score":0.16808083783025327}],"sentiment":"neutral","sentiment_score":0.17541776780377735,"num_words":110,"start":875.51996,"end":910.24},{"sentences":[{"text":"We also cap our fee currently at 600,000.","start":910.54,"end":913.18,"sentiment":"neutral","sentiment_score":0.07507389597594738},{"text":"So if we can get your balance up to that million dollar mark, we don't charge 1.1 percent on a million dollars.","start":913.18,"end":918.46,"sentiment":"neutral","sentiment_score":0.14878139560195533},{"text":"We cap that at 600,000 for you as well.","start":918.46,"end":921.15497,"sentiment":"neutral","sentiment_score":0.1571416606505712},{"text":"Okay?","start":921.15497,"end":921.65497,"sentiment":"neutral","sentiment_score":0.1078713834285736},{"text":"Beautiful.","start":923.39496,"end":923.89496,"sentiment":"positive","sentiment_score":0.6339603662490845}],"sentiment":"neutral","sentiment_score":0.14707045284349743,"num_words":41,"start":910.54,"end":923.89496},{"sentences":[{"text":"We've also got at the moment, you've got some insurances in your fund there as well.","start":925.075,"end":929.39496,"sentiment":"neutral","sentiment_score":0.22439841646701097},{"text":"I'll go to those shortly as well.","start":929.39496,"end":931.255,"sentiment":"neutral","sentiment_score":0.19005484879016876},{"text":"The other thing I kinda just wanted to point out was just giving you a quick run through of the investments there.","start":931.875,"end":937.4,"sentiment":"neutral","sentiment_score":0.10116644914854657},{"text":"I know you're not looking at the documents, so it can be a bit a lot to go through with the investments.","start":937.4,"end":942.14,"sentiment":"neutral","sentiment_score":-0.016549168493260036},{"text":"But, essentially, once we remove your funds out of hub twenty four, you'll see your money distributed across a diversified portfolio, which includes access and exposure to cybersecurity.","start":942.28,"end":953.125,"sentiment":"neutral","sentiment_score":0.06019628620041268}],"sentiment":"neutral","sentiment_score":0.08913510308453912,"num_words":95,"start":925.075,"end":953.125},{"sentences":[{"text":"So areas like India, The US, we're also looking at Australian equity as well with Afiniti.","start":954.065,"end":961.20496,"sentiment":"neutral","sentiment_score":0.12802389450371265},{"text":"One of the things that you and I talked about was whether you wanted to see any active management in your portfolio, and you wanted to give that active management a go for the first year or two to see how that would perform.","start":961.72,"end":971.9,"sentiment":"neutral","sentiment_score":0.16769680939614773},{"text":"So we're looking at Afiniti Australian Fairs.","start":972.27997,"end":974.895,"sentiment":"neutral","sentiment_score":0.05124497679727418},{"text":"Affinity are an active investment manager, and they tend to have between 20 to sorry.","start":975.135,"end":979.85504,"sentiment":"neutral","sentiment_score":0.07641319011648497},{"text":"20 to 35 different investments within their portfolio, and they're trying to outperform against the market.","start":979.85504,"end":986.255,"sentiment":"neutral","sentiment_score":0.130167803959921}],"sentiment":"neutral","sentiment_score":0.13280244365486563,"num_words":98,"start":954.065,"end":986.255},{"sentences":[{"text":"So we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis.","start":986.255,"end":999.12,"sentiment":"neutral","sentiment_score":0.16797834162305042},{"text":"If at any point we feel that's no longer performing, it's not doing what it's supposed to, we'll look to replace that for you down the track.","start":999.42,"end":1006.235,"sentiment":"neutral","sentiment_score":-0.09634812562553971},{"text":"Okay?","start":1006.235,"end":1006.735,"sentiment":"neutral","sentiment_score":0.07549437880516052},{"text":"Beautiful.","start":1009.115,"end":1009.615,"sentiment":"positive","sentiment_score":0.5835402011871338},{"text":"But your portfolio also will give you exposure to global health care.","start":1010.155,"end":1013.935,"sentiment":"neutral","sentiment_score":0.2441058630744616}],"sentiment":"neutral","sentiment_score":0.09602460428708937,"num_words":82,"start":986.255,"end":1013.935},{"sentences":[{"text":"We've got the RAFI Australian 200 to giving you access to some of the top 200 companies on the Australian share market as well as the Aufiniti exposure.","start":1014.075,"end":1022.63995,"sentiment":"neutral","sentiment_score":0.18975279001252993},{"text":"We've got the JPMorgan Global Enhanced Research Fund.","start":1023.25995,"end":1026.5399,"sentiment":"neutral","sentiment_score":0.15341907553374767},{"text":"Essentially, JPMorgan and their research team look at areas growth globally and try to invest in areas where we see or where they see potential growth.","start":1026.5399,"end":1036.895,"sentiment":"neutral","sentiment_score":0.1336424657358573},{"text":"And global exposure is really important for diversification.","start":1036.955,"end":1039.6951,"sentiment":"neutral","sentiment_score":0.10276636481285095},{"text":"Ultimately, diversification is the best form of risk management, so we try to make sure we're diversifying across many different asset classes as well as industries and countries as well.","start":1040.555,"end":1052.0,"sentiment":"neutral","sentiment_score":0.16135332410534223}],"sentiment":"neutral","sentiment_score":0.15677865475416183,"num_words":100,"start":1014.075,"end":1052.0},{"sentences":[{"text":"Okay?","start":1052.2201,"end":1052.7201,"sentiment":"neutral","sentiment_score":0.10452675819396973},{"text":"And then you'll also see your funds diversified across having some fixed interest in there, so core composite bonds, and also some high yield interest accounts as well, which is quite good.","start":1054.54,"end":1065.635,"sentiment":"neutral","sentiment_score":0.3199516492895782},{"text":"And then we've also got some physical gold in there because having commodities is a fantastic asset, and also some cybersecurity in there for you as well because there is a growth area moving forward down the track.","start":1065.635,"end":1077.55,"sentiment":"positive","sentiment_score":0.3474176169226044},{"text":"So have a look at the investments.","start":1077.55,"end":1079.65,"sentiment":"neutral","sentiment_score":0.09599546023777553},{"text":"I've just kinda gone through them a little bit basically for you because so what to kinda go into each one individually when you're not looking at the document.","start":1079.79,"end":1086.385,"sentiment":"neutral","sentiment_score":0.09461104445930185}],"sentiment":"neutral","sentiment_score":0.2519676400888189,"num_words":107,"start":1052.2201,"end":1086.385},{"sentences":[{"text":"But if you have any questions about any of those investments, you're welcome to let me know.","start":1086.385,"end":1090.725,"sentiment":"neutral","sentiment_score":0.15843284612192826},{"text":"I'm more than happy to break it down and give you a bit more detail.","start":1090.945,"end":1094.065,"sentiment":"positive","sentiment_score":0.41836274464925133},{"text":"But do you have any questions so far at all?","start":1094.065,"end":1096.645,"sentiment":"neutral","sentiment_score":0.046910671330988404},{"text":"Really?","start":1099.0,"end":1099.5,"sentiment":"neutral","sentiment_score":0.09766091406345367},{"text":"Yeah.","start":1102.12,"end":1102.62,"sentiment":"neutral","sentiment_score":0.30291688442230225}],"sentiment":"neutral","sentiment_score":0.2236019105819816,"num_words":44,"start":1086.385,"end":1102.62},{"sentences":[{"text":"Fantastic.","start":1103.16,"end":1103.66,"sentiment":"neutral","sentiment_score":0.1120978817343712},{"text":"With any supermom, we also do hold a certain amount of cash.","start":1105.08,"end":1108.28,"sentiment":"neutral","sentiment_score":0.1418325857569774},{"text":"We just try to make it a minimal amount of cash in the account, which covers essentially administration fees and things like that.","start":1108.28,"end":1114.715,"sentiment":"neutral","sentiment_score":0.14110696931248126},{"text":"So within HUD twenty four, you'll just need to take 1.25% cash in the account.","start":1114.855,"end":1119.355,"sentiment":"neutral","sentiment_score":0.1604113022486369},{"text":"It does work out you should have about $957 in the cash account there, but we monitor that for you.","start":1119.6549,"end":1125.69,"sentiment":"neutral","sentiment_score":0.23775218203663825}],"sentiment":"neutral","sentiment_score":0.17212341379531673,"num_words":71,"start":1103.16,"end":1125.69},{"sentences":[{"text":"And HubSpot me for you'll probably notice we'll do a regular once a month.","start":1125.9299,"end":1129.7699,"sentiment":"neutral","sentiment_score":0.27116925695112776},{"text":"They do, like, a cash management thing where they just, you know, buy and sell to make sure that a cash account is topped up to the correct amount.","start":1129.7699,"end":1136.4299,"sentiment":"neutral","sentiment_score":0.26025660284634294},{"text":"So you'll see that in the document there as well.","start":1136.49,"end":1139.47,"sentiment":"neutral","sentiment_score":0.2114017352461815},{"text":"Okay?","start":1139.5299,"end":1140.0299,"sentiment":"neutral","sentiment_score":0.1591743528842926},{"text":"Beautiful.","start":1142.085,"end":1142.585,"sentiment":"positive","sentiment_score":0.7057881355285645}],"sentiment":"neutral","sentiment_score":0.2604143803769892,"num_words":55,"start":1125.9299,"end":1142.585},{"sentences":[{"text":"Now with the insurance side of things, at the moment within Hostplus, so you do have a bit of life and TBD.","start":1142.965,"end":1148.585,"sentiment":"neutral","sentiment_score":0.12110039270059629},{"text":"So you've got 229,160 of life and TBD cover.","start":1148.725,"end":1154.4249,"sentiment":"neutral","sentiment_score":0.06946051513983144},{"text":"We talked about wanting to make sure that if anything happens to you with life and TPD that the mortgage is essentially covered.","start":1154.79,"end":1160.9701,"sentiment":"neutral","sentiment_score":0.04618570759244587},{"text":"So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four.","start":1161.3501,"end":1169.6901,"sentiment":"neutral","sentiment_score":0.12968738339841365},{"text":"The reason I'm recommending that we do transfer that to begin with is that we went through a bit did that pre assessment with you.","start":1169.955,"end":1177.1749,"sentiment":"neutral","sentiment_score":-0.002924923896789551}],"sentiment":"neutral","sentiment_score":0.06941665778632718,"num_words":99,"start":1142.965,"end":1177.1749},{"sentences":[{"text":"With the pre assessment, having a look at the molds that were cut out, because of sort of what had happened, there is a risk that it could be a cancer exclusion on any new policies that we receive.","start":1177.715,"end":1189.19,"sentiment":"neutral","sentiment_score":-0.23102410386006036},{"text":"So I am making a recommendation that we apply for new cover, but to limit the risk of having exclusions on as much of your cover as possible, I also wanna transfer over the cover from host plus into hub 24.","start":1189.73,"end":1203.235,"sentiment":"neutral","sentiment_score":0.021118814080226714},{"text":"Essentially, how this works is we the cover you have in host plus at the moment doesn't have any loadings or exclusions on it, and it gives you the first two hundred and twenty nine thousand one hundred and sixty of life and TBD completely exclusion free, which means that you can claim on it for any illness or injury, whether it's preexisting or not.","start":1203.375,"end":1222.7001,"sentiment":"neutral","sentiment_score":0.16996740400074767},{"text":"So I wanna transfer that cover over from post class in the hub 24.","start":1222.835,"end":1227.495,"sentiment":"neutral","sentiment_score":0.0984013413212129},{"text":"It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy.","start":1227.715,"end":1233.975,"sentiment":"neutral","sentiment_score":0.18278851539448457}],"sentiment":"neutral","sentiment_score":0.04955226495130969,"num_words":186,"start":1177.715,"end":1233.975},{"sentences":[{"text":"We're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD.","start":1234.355,"end":1244.11,"sentiment":"neutral","sentiment_score":0.3130791438743472},{"text":"That tops up your existing life and TBD cover to the level to cover the mortgage if anything happens to you.","start":1244.65,"end":1250.99,"sentiment":"neutral","sentiment_score":0.21625609412079766},{"text":"But because there is a risk with underwritten cover of having a cancer exclusion on there, there's a chance they may not put the exclusion on there, and that's great.","start":1251.485,"end":1260.365,"sentiment":"neutral","sentiment_score":-0.17015349740783373},{"text":"But because there is a risk of that, I wanted to make sure we didn't have the exclusion on the whole cover that we could limit that as much as possible.","start":1260.365,"end":1268.15,"sentiment":"neutral","sentiment_score":-0.2772383122674881},{"text":"So with ClearView, with it being underwritten cover, at the time of the application, you go through all these medical questions, and they're gonna wanna get reports from your doctors around the pathology and what happens.","start":1268.61,"end":1281.135,"sentiment":"neutral","sentiment_score":0.14671948893616596}],"sentiment":"neutral","sentiment_score":0.0409521305312713,"num_words":150,"start":1234.355,"end":1281.135},{"sentences":[{"text":"So with that, if they decide to add the exclusion, the exclusion would be on that 420,000, which still leaves you with that lower amount of 229,160 completely exclusion free.","start":1281.915,"end":1296.21,"sentiment":"neutral","sentiment_score":0.155674426133434},{"text":"These exclusions would probably only be added to PDD, but there is a chance they may add it to life.","start":1296.4299,"end":1301.65,"sentiment":"neutral","sentiment_score":-0.026878072321414946},{"text":"They don't generally add exclusions to life.","start":1301.87,"end":1304.11,"sentiment":"neutral","sentiment_score":-0.13588348350354604},{"text":"Life is life.","start":1304.11,"end":1304.91,"sentiment":"neutral","sentiment_score":-0.07836488882700603},{"text":"When you pass away, the amount pays out.","start":1304.91,"end":1307.17,"sentiment":"neutral","sentiment_score":-0.09465322643518448}],"sentiment":"neutral","sentiment_score":0.0321936246336383,"num_words":68,"start":1281.915,"end":1307.17},{"sentences":[{"text":"But disability cover is more is more open to having exclusions or loadings depending on health and depending on preexisting conditions as well.","start":1307.415,"end":1316.4751,"sentiment":"neutral","sentiment_score":-0.22393217974382898},{"text":"That's a little bit a lot to kinda go through.","start":1316.775,"end":1319.3351,"sentiment":"negative","sentiment_score":-0.34212645292282107},{"text":"Do you have any questions in relation to that?","start":1319.3351,"end":1321.64,"sentiment":"neutral","sentiment_score":-0.039077844470739365},{"text":"I understand you may.","start":1321.64,"end":1323.02,"sentiment":"neutral","sentiment_score":-0.10633402690291405},{"text":"Mhmm.","start":1328.68,"end":1329.18,"sentiment":"neutral","sentiment_score":-0.11821183562278748}],"sentiment":"neutral","sentiment_score":-0.20142453631505053,"num_words":47,"start":1307.415,"end":1329.18},{"sentences":[{"text":"No.","start":1331.88,"end":1332.28,"sentiment":"neutral","sentiment_score":-0.2033635824918747},{"text":"That's okay.","start":1332.28,"end":1332.84,"sentiment":"neutral","sentiment_score":-0.11007284373044968},{"text":"I'll see if I can send it again.","start":1332.84,"end":1334.12,"sentiment":"neutral","sentiment_score":-0.10083767538890243},{"text":"It's it's telling me it's sending, but it's trying to send.","start":1334.12,"end":1337.425,"sentiment":"neutral","sentiment_score":-0.20933742956681686},{"text":"Let me just see.","start":1338.3651,"end":1339.665,"sentiment":"neutral","sentiment_score":0.09274723194539547}],"sentiment":"neutral","sentiment_score":-0.12161282578913066,"num_words":26,"start":1331.88,"end":1339.665},{"sentences":[{"text":"Yeah.","start":1343.2451,"end":1343.7451,"sentiment":"neutral","sentiment_score":0.03213689103722572},{"text":"Yeah.","start":1345.405,"end":1345.905,"sentiment":"neutral","sentiment_score":0.17566102743148804},{"text":"Yeah.","start":1346.525,"end":1347.005,"sentiment":"neutral","sentiment_score":-0.045358892530202866},{"text":"So one of the things we look at like, if we didn't if we didn't look to transfer the cover from post plus and we just applied for enough cover to cover the mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition.","start":1347.005,"end":1368.385,"sentiment":"neutral","sentiment_score":-0.10275444876975738},{"text":"So you wouldn't be able to claim for cancer in related to the past the past illness, injury, or issue.","start":1368.385,"end":1375.2849,"sentiment":"neutral","sentiment_score":-0.1828269749879837}],"sentiment":"neutral","sentiment_score":-0.11560385958926583,"num_words":88,"start":1343.2451,"end":1375.2849},{"sentences":[{"text":"Yeah.","start":1375.505,"end":1375.745,"sentiment":"neutral","sentiment_score":-0.04447035491466522},{"text":"I think it was it was a mole that was cut out, wasn't it?","start":1375.745,"end":1378.225,"sentiment":"neutral","sentiment_score":-0.08008477810238089},{"text":"It was a cancerous mole that they had removed.","start":1378.225,"end":1380.225,"sentiment":"neutral","sentiment_score":-0.15090425478087532},{"text":"Is that right?","start":1380.225,"end":1380.865,"sentiment":"neutral","sentiment_score":-0.0471362459162871},{"text":"Or a lump?","start":1380.865,"end":1381.56,"sentiment":"neutral","sentiment_score":-0.08414569993813832}],"sentiment":"neutral","sentiment_score":-0.09725471263130506,"num_words":30,"start":1375.505,"end":1381.56},{"sentences":[{"text":"Yeah.","start":1383.64,"end":1383.88,"sentiment":"neutral","sentiment_score":-0.014292866922914982},{"text":"A mole.","start":1383.88,"end":1384.3601,"sentiment":"neutral","sentiment_score":-0.028608057647943497},{"text":"Yeah.","start":1384.3601,"end":1384.68,"sentiment":"neutral","sentiment_score":0.08743243664503098},{"text":"Perfect.","start":1384.68,"end":1385.18,"sentiment":"neutral","sentiment_score":0.233609676361084},{"text":"And, like, we all have lots of them, but they sort of wanna make sure it's the same as, like, when you have your car insurance.","start":1385.4,"end":1392.06,"sentiment":"neutral","sentiment_score":0.02506211056159093}],"sentiment":"neutral","sentiment_score":0.02906929049640894,"num_words":31,"start":1383.64,"end":1392.06},{"sentences":[{"text":"If we didn't have car insurance and the storm was coming and we call up the insurance and, hey.","start":1392.28,"end":1396.105,"sentiment":"neutral","sentiment_score":-0.05207577063456962},{"text":"If storm's coming, I wanna cover my car for storm damage, they will go, no.","start":1396.105,"end":1400.265,"sentiment":"neutral","sentiment_score":-0.0690269095202287},{"text":"We can't do that because the risk of you making a claim is much higher.","start":1400.265,"end":1403.305,"sentiment":"negative","sentiment_score":-0.3455118601520856},{"text":"So the same thing sort of works when it comes to life and CBD insurance.","start":1403.305,"end":1407.865,"sentiment":"neutral","sentiment_score":0.027786213407913842},{"text":"They don't wanna cover for preexisting conditions because the risk of you making a claim is much higher.","start":1407.865,"end":1412.97,"sentiment":"neutral","sentiment_score":-0.26620987637175453}],"sentiment":"neutral","sentiment_score":-0.14125007025261477,"num_words":82,"start":1392.28,"end":1412.97},{"sentences":[{"text":"And that's why having some of this with your current host plus cover is really beneficial because it's what's called group cover.","start":1413.19,"end":1419.85,"sentiment":"neutral","sentiment_score":0.20163863694125955},{"text":"You haven't actually applied for this cover.","start":1419.9099,"end":1421.75,"sentiment":"neutral","sentiment_score":0.0012362639286688396},{"text":"It was just provided as a default option to you.","start":1421.75,"end":1424.685,"sentiment":"neutral","sentiment_score":0.009601831808686257},{"text":"So they actually have no idea about your health.","start":1425.165,"end":1427.645,"sentiment":"neutral","sentiment_score":-0.19655074179172516},{"text":"They will do a health questionnaire with you at the time of claim if you had the claim.","start":1427.645,"end":1432.305,"sentiment":"neutral","sentiment_score":-0.09624329995777872}],"sentiment":"neutral","sentiment_score":0.01574827428681381,"num_words":66,"start":1413.19,"end":1432.305},{"sentences":[{"text":"However, at the moment, it gives you that level of cover with no no exclusions on it.","start":1432.685,"end":1437.3,"sentiment":"neutral","sentiment_score":-0.0008362680673599243},{"text":"And as long as you've had this cover for a longer period of time, often with group cover, they don't really care that much about the the so the preexisting conditions.","start":1437.4601,"end":1445.4801,"sentiment":"neutral","sentiment_score":-0.1886060273935718},{"text":"We've had this cover for a long time.","start":1445.7001,"end":1447.4601,"sentiment":"neutral","sentiment_score":-0.10905759362503886},{"text":"It's been there for longer.","start":1447.4601,"end":1448.8401,"sentiment":"neutral","sentiment_score":-0.17026278078556062},{"text":"You probably had that cover in place prior to the mold being cut out anyway.","start":1448.9801,"end":1452.92,"sentiment":"neutral","sentiment_score":-0.1483714481194814}],"sentiment":"neutral","sentiment_score":-0.12908354975087077,"num_words":76,"start":1432.685,"end":1452.92},{"sentences":[{"text":"So they're really not gonna look at that as a big thing, which gives you a lot more you have a higher chance of claiming on this $229,001.60 than the higher amount for the cancer if it ever came back, if you had the time on that.","start":1453.14,"end":1467.275,"sentiment":"negative","sentiment_score":-0.4283670941565899},{"text":"There's always a risk with insurances that you'll pay the premium, you'll get to retirement, and have never claimed on them, and they'll just cancel or we'll cancel them one of the two.","start":1467.275,"end":1477.63,"sentiment":"negative","sentiment_score":-0.3727493529969996},{"text":"So it's about covering yourself for that small one percent chance of having a risk.","start":1477.63,"end":1483.65,"sentiment":"neutral","sentiment_score":-0.03478845991194248},{"text":"But the way this essentially works is that you'll have that default cover in place transferred to hub twenty four to give you a level of cover without any exclusions or loadings, and then we'll have the top up cover, which there is a chance there could be an exclusion attached to.","start":1484.385,"end":1497.925,"sentiment":"neutral","sentiment_score":0.06587480338147053},{"text":"There's also a chance they may not apply the exclusion.","start":1498.44,"end":1500.76,"sentiment":"neutral","sentiment_score":-0.1104656808078289}],"sentiment":"neutral","sentiment_score":-0.19512723570179408,"num_words":157,"start":1453.14,"end":1500.76},{"sentences":[{"text":"It just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you.","start":1500.76,"end":1507.24,"sentiment":"neutral","sentiment_score":-0.02100328777147376},{"text":"Okay?","start":1507.24,"end":1507.74,"sentiment":"neutral","sentiment_score":0.02871784381568432},{"text":"Excellent.","start":1509.5599,"end":1510.0599,"sentiment":"positive","sentiment_score":0.6055194735527039},{"text":"With the cover, it will be paid out of the super funds, so it doesn't it's not gonna come out of your back pocket in any way, shape, or form.","start":1510.6,"end":1517.5125,"sentiment":"neutral","sentiment_score":0.22491882145404815},{"text":"And, essentially, having a look at that, you do get a 15% discount on paying for insurances out of super, which, again, is really quite cool.","start":1517.5125,"end":1524.6,"sentiment":"positive","sentiment_score":0.4264395065032519}],"sentiment":"neutral","sentiment_score":0.2220512779176603,"num_words":81,"start":1500.76,"end":1524.6},{"sentences":[{"text":"We do love that.","start":1524.6,"end":1525.65,"sentiment":"positive","sentiment_score":0.6525838226079941},{"text":"But we do expect the premiums to be about $488 for the year.","start":1525.73,"end":1529.91,"sentiment":"neutral","sentiment_score":0.054391290132816024},{"text":"It is an increase because we are increasing the amount of cover, but it's only increasing the cover by about $241 for the year.","start":1530.37,"end":1538.53,"sentiment":"neutral","sentiment_score":-0.00448823223511378},{"text":"So it doesn't have a large impact on your super, but it does have an impact over time.","start":1538.53,"end":1544.135,"sentiment":"neutral","sentiment_score":-0.12741870722836918},{"text":"And we wanna make sure we review the level of cover you have, how it's paid, how much it's costing you so that we can adjust that down the track as well.","start":1544.135,"end":1552.235,"sentiment":"neutral","sentiment_score":-0.007015978451818228}],"sentiment":"neutral","sentiment_score":0.007600620307110168,"num_words":91,"start":1524.6,"end":1552.235},{"sentences":[{"text":"The biggest thing is when you sort of look at insurances, when you consider the five, ten, and twenty year impact, insurances do get more expensive over time as the risk of you making a claim increases as you get older.","start":1552.91,"end":1565.41,"sentiment":"negative","sentiment_score":-0.35855044515394585},{"text":"So we do wanna make sure that you hold the level of cover you're after.","start":1565.655,"end":1569.115,"sentiment":"neutral","sentiment_score":0.08818898076812426},{"text":"You are paying a a fair premium for it, but that is not impacting your super very heavily there.","start":1569.255,"end":1575.015,"sentiment":"neutral","sentiment_score":0.10646514516127736},{"text":"So we will just wanna review that with you moving forward.","start":1575.015,"end":1577.975,"sentiment":"neutral","sentiment_score":0.12435399063608864},{"text":"Does that make sense?","start":1577.975,"end":1579.035,"sentiment":"neutral","sentiment_score":0.09321195259690285}],"sentiment":"neutral","sentiment_score":-0.1068239341593451,"num_words":90,"start":1552.91,"end":1579.035},{"sentences":[{"text":"Yeah.","start":1580.91,"end":1581.2301,"sentiment":"neutral","sentiment_score":0.3298865556716919},{"text":"Beautiful.","start":1581.2301,"end":1581.7301,"sentiment":"positive","sentiment_score":0.7199569940567017},{"text":"All good.","start":1582.1101,"end":1582.8501,"sentiment":"positive","sentiment_score":0.6550295054912567},{"text":"The last part of the advice is essentially the beneficiary nominations.","start":1583.7101,"end":1587.01,"sentiment":"neutral","sentiment_score":0.18796100873838772},{"text":"So we will make sure that you have beneficiary nominations applied to your life cover, both with hub twenty four and with Clearview and on your hub twenty four super account, making sure that if anything did happen, touch wood, nothing ever does.","start":1587.55,"end":1600.705,"sentiment":"neutral","sentiment_score":0.14839916693609814}],"sentiment":"neutral","sentiment_score":0.1863558247428516,"num_words":58,"start":1580.91,"end":1600.705},{"sentences":[{"text":"But if anything did happen, that your super and life insurances are paid out a 100% to raise so that he can take care of your family, making sure to pay off the mortgage and take some time off to alleviate stress and pressure and work out what he wants to do moving forward.","start":1600.705,"end":1615.28,"sentiment":"neutral","sentiment_score":0.2859089820197335},{"text":"So we will help you to make sure those apply to the account.","start":1615.28,"end":1618.82,"sentiment":"neutral","sentiment_score":0.21513100770803598},{"text":"We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there.","start":1619.12,"end":1627.405,"sentiment":"neutral","sentiment_score":0.14786091686359473},{"text":"If you do need another one or did need a referral through, let us know.","start":1627.405,"end":1631.185,"sentiment":"neutral","sentiment_score":0.08000734200080235},{"text":"But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as well.","start":1631.3251,"end":1637.63,"sentiment":"neutral","sentiment_score":0.18525930150197104}],"sentiment":"neutral","sentiment_score":0.2087701894890736,"num_words":136,"start":1600.705,"end":1637.63},{"sentences":[{"text":"Okay?","start":1637.77,"end":1638.27,"sentiment":"neutral","sentiment_score":0.06770563125610352},{"text":"Beautiful.","start":1640.0901,"end":1640.5901,"sentiment":"positive","sentiment_score":0.49749064445495605},{"text":"Excellent.","start":1641.4501,"end":1641.9501,"sentiment":"positive","sentiment_score":0.44326668977737427},{"text":"We've also got in here when you are so the email that it has sent, it might just take a minute.","start":1643.05,"end":1647.6901,"sentiment":"neutral","sentiment_score":0.0691591448017529},{"text":"I'm not sure how things are there.","start":1647.6901,"end":1648.89,"sentiment":"neutral","sentiment_score":-0.07273068438683238}],"sentiment":"neutral","sentiment_score":0.06295774889088446,"num_words":31,"start":1637.77,"end":1648.89},{"sentences":[{"text":"We've had some a lot of rain.","start":1648.89,"end":1651.2301,"sentiment":"neutral","sentiment_score":-0.06400140960301672},{"text":"We've actually had about 200 normal rains the last forty eight hours.","start":1651.475,"end":1655.175,"sentiment":"neutral","sentiment_score":-0.010436481330543756},{"text":"Yes.","start":1655.475,"end":1655.875,"sentiment":"neutral","sentiment_score":0.017460135743021965},{"text":"I'm working from home today because it's, like, there's local flooding and things like that.","start":1655.875,"end":1660.035,"sentiment":"neutral","sentiment_score":-0.01401289775967598},{"text":"So it might take a minute for the email to come through to you.","start":1660.035,"end":1663.795,"sentiment":"neutral","sentiment_score":0.013785836952073234}],"sentiment":"neutral","sentiment_score":-0.011693454214504786,"num_words":49,"start":1648.89,"end":1663.795},{"sentences":[{"text":"I do apologize that we might having some issues with the phone lines as well.","start":1663.795,"end":1667.51,"sentiment":"neutral","sentiment_score":-0.14378765324751536},{"text":"Sorry about that.","start":1667.51,"end":1668.49,"sentiment":"neutral","sentiment_score":-0.13663404683272043},{"text":"I know.","start":1670.55,"end":1673.61,"sentiment":"neutral","sentiment_score":0.007997043430805206},{"text":"I actually said today, maybe I need to move to somewhere a little bit less wet.","start":1673.75,"end":1677.6901,"sentiment":"neutral","sentiment_score":-0.09058484877459705},{"text":"It's it's pretty crazy how often we end up with this much rain.","start":1680.23,"end":1686.7849,"sentiment":"neutral","sentiment_score":-0.20157907616633636}],"sentiment":"neutral","sentiment_score":-0.13511445761031035,"num_words":49,"start":1663.795,"end":1686.7849},{"sentences":[{"text":"And, yeah, we all woke up, and our bosses are like, you know what?","start":1686.7849,"end":1689.4249,"sentiment":"neutral","sentiment_score":-0.20369784321103776},{"text":"There's still a high risk of flooding, local flooding in certain areas.","start":1689.4249,"end":1693.0249,"sentiment":"negative","sentiment_score":-0.3706028684973717},{"text":"It's all work from home.","start":1693.0249,"end":1694.22,"sentiment":"neutral","sentiment_score":0.05328499600291252},{"text":"It's just gonna be easier for everyone and safer for everyone today, and then the phone lines have been a little bit erratic.","start":1694.22,"end":1699.84,"sentiment":"neutral","sentiment_score":-0.015681481231813846},{"text":"So sorry about that.","start":1699.98,"end":1701.6,"sentiment":"neutral","sentiment_score":-0.06065636780112982}],"sentiment":"neutral","sentiment_score":-0.131653082524908,"num_words":58,"start":1686.7849,"end":1701.6},{"sentences":[{"text":"Yeah.","start":1702.54,"end":1703.04,"sentiment":"positive","sentiment_score":0.3872089385986328},{"text":"All good.","start":1703.74,"end":1704.56,"sentiment":"positive","sentiment_score":0.43587128818035126},{"text":"On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things.","start":1704.86,"end":1711.875,"sentiment":"neutral","sentiment_score":0.09801065346056764},{"text":"As noted, the implementation fee is 3.3%.","start":1712.095,"end":1716.4149,"sentiment":"neutral","sentiment_score":0.08342818064349038},{"text":"The cap advance is a 150,000.","start":1716.4149,"end":1718.575,"sentiment":"neutral","sentiment_score":0.0844699243704478}],"sentiment":"neutral","sentiment_score":0.11857901846891955,"num_words":38,"start":1702.54,"end":1718.575},{"sentences":[{"text":"Your balance is well below that, so the amount there that we expect is 2,614.","start":1718.575,"end":1724.115,"sentiment":"neutral","sentiment_score":0.11405801723400752},{"text":"With insurances, we do also receive remuneration from the insurer for making these recommendations once they are in place.","start":1724.86,"end":1731.9199,"sentiment":"neutral","sentiment_score":0.1941227779576653},{"text":"These are legislated the same across the board, so they don't have any effect on what my recommendations are.","start":1732.5399,"end":1739.115,"sentiment":"neutral","sentiment_score":0.15029155580621018},{"text":"But with regards to the Clearview recommendation, if the insurances are accepted and go into force, we would receive $248 for the first year based on 66% of the first year's premium, and then 22% say ongoing and a $145 moving forward as well.","start":1739.195,"end":1757.12,"sentiment":"neutral","sentiment_score":0.18945991738953374},{"text":"So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything.","start":1757.12,"end":1762.66,"sentiment":"neutral","sentiment_score":0.2053764523430304}],"sentiment":"neutral","sentiment_score":0.17738874719924286,"num_words":119,"start":1718.575,"end":1762.66},{"sentences":[{"text":"And you'll also see the ongoing remuneration.","start":1763.52,"end":1765.7,"sentiment":"neutral","sentiment_score":0.18772809846060617},{"text":"So the fee breaks down at 1.1 for you.","start":1766.0,"end":1768.9349,"sentiment":"neutral","sentiment_score":0.25698844260639614},{"text":"And if you decide to come on board, we'll make sure raises is also reduced for you as well.","start":1768.9349,"end":1773.495,"sentiment":"neutral","sentiment_score":0.15856211044286428},{"text":"Okay?","start":1773.495,"end":1773.995,"sentiment":"neutral","sentiment_score":0.10563646256923676},{"text":"All good.","start":1777.495,"end":1778.235,"sentiment":"positive","sentiment_score":0.5645261704921722}],"sentiment":"neutral","sentiment_score":0.20722004143815292,"num_words":38,"start":1763.52,"end":1778.235},{"sentences":[{"text":"All good.","start":1778.295,"end":1779.035,"sentiment":"positive","sentiment_score":0.49407753348350525},{"text":"How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us.","start":1779.575,"end":1787.7,"sentiment":"neutral","sentiment_score":0.2006297478901929},{"text":"Attach to attach this DocuSign, you'll also have for your reference the appendices.","start":1788.08,"end":1793.1399,"sentiment":"neutral","sentiment_score":0.14290468738629267},{"text":"I've also got a copy of the statement advice attached as an as an extra document.","start":1793.44,"end":1797.62,"sentiment":"neutral","sentiment_score":0.14856965583749115},{"text":"We've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well.","start":1797.855,"end":1810.515,"sentiment":"neutral","sentiment_score":0.1705293704289943}],"sentiment":"neutral","sentiment_score":0.17932861998839222,"num_words":92,"start":1778.295,"end":1810.515},{"sentences":[{"text":"We also do have your original fax line filled out and the application for hub 24.","start":1810.99,"end":1816.19,"sentiment":"neutral","sentiment_score":0.18649130873382092},{"text":"So if you decide to sign it, it'll kind of ask you to sign all those documents.","start":1816.19,"end":1819.97,"sentiment":"neutral","sentiment_score":0.19656059584196875},{"text":"It just makes it easy to sign everything all at once.","start":1820.19,"end":1822.605,"sentiment":"neutral","sentiment_score":0.32078311253677716},{"text":"But if you are running through and having a look, it might be why this is taking a bit longer as well.","start":1823.005,"end":1826.765,"sentiment":"neutral","sentiment_score":-0.15509774010967126},{"text":"There is quite a few attachments attached to it.","start":1826.765,"end":1829.325,"sentiment":"neutral","sentiment_score":-0.15149067176712883}],"sentiment":"neutral","sentiment_score":0.06771251971522967,"num_words":75,"start":1810.99,"end":1829.325},{"sentences":[{"text":"So it's probably thinking about sending all of them to you.","start":1829.325,"end":1831.885,"sentiment":"neutral","sentiment_score":-0.1332382227886807},{"text":"I do apologize about that.","start":1831.885,"end":1833.825,"sentiment":"neutral","sentiment_score":-0.14502972811460496},{"text":"But, yeah, if you once you do sign and return that back, we'd start by just opening up your Hub twenty four super account.","start":1835.0,"end":1840.7001,"sentiment":"neutral","sentiment_score":0.04028336564078927},{"text":"We start by completing just a partial rollover.","start":1841.16,"end":1843.64,"sentiment":"neutral","sentiment_score":0.0786461136303842},{"text":"So we leave 10,000 behind in the host plus whilst we get your insurances in place.","start":1843.64,"end":1849.3401,"sentiment":"neutral","sentiment_score":0.059178652008995414}],"sentiment":"neutral","sentiment_score":0.0055009222705848515,"num_words":64,"start":1829.325,"end":1849.3401},{"sentences":[{"text":"That keeps your insurances in place host bus active until we can have the transfer completed and get the Clearview policy in place.","start":1849.605,"end":1857.945,"sentiment":"neutral","sentiment_score":0.1229502898843392},{"text":"Once those insurances are fully in place, then we complete a final rollover.","start":1858.325,"end":1862.1849,"sentiment":"neutral","sentiment_score":0.10358991989722618},{"text":"We'll make sure in that time you also get your employer contributions form.","start":1862.52,"end":1866.14,"sentiment":"neutral","sentiment_score":0.10803988117438096},{"text":"We'll also do the lost super search there for you, and then we'll make sure your beneficiaries are also up to date there.","start":1866.6,"end":1872.4401,"sentiment":"neutral","sentiment_score":0.11318939632695654},{"text":"So we do things in a little bit of more timely manner if you're unaware of what's happening, But we also do things to make sure we're not canceling insurance's prematurity, keep you protected at the same time.","start":1872.4401,"end":1882.7849,"sentiment":"neutral","sentiment_score":0.1015110557996913}],"sentiment":"neutral","sentiment_score":0.10945291197435422,"num_words":110,"start":1849.605,"end":1882.7849},{"sentences":[{"text":"Okay?","start":1882.845,"end":1883.345,"sentiment":"neutral","sentiment_score":0.06713967025279999},{"text":"Beautiful.","start":1885.085,"end":1885.585,"sentiment":"positive","sentiment_score":0.5636340379714966},{"text":"All good.","start":1886.0449,"end":1886.525,"sentiment":"positive","sentiment_score":0.4925133287906647},{"text":"Now I know that is quite a bit to go through.","start":1886.525,"end":1889.105,"sentiment":"neutral","sentiment_score":0.011326808821071278},{"text":"Is there any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes 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okay.","start":1926.535,"end":1927.175,"sentiment":"positive","sentiment_score":0.4433443546295166},{"text":"That's not a problem at all.","start":1927.175,"end":1928.715,"sentiment":"positive","sentiment_score":0.38046955068906146}],"sentiment":"positive","sentiment_score":0.41051691499623383,"num_words":11,"start":1917.89,"end":1928.715},{"sentences":[{"text":"When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest.","start":1929.015,"end":1939.4501,"sentiment":"neutral","sentiment_score":0.27982214647670123},{"text":"I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well.","start":1939.4501,"end":1944.89,"sentiment":"neutral","sentiment_score":0.17750729341059923},{"text":"So you're welcome to run your eyes over that.","start":1944.89,"end":1946.65,"sentiment":"positive","sentiment_score":0.3888317412800259},{"text":"Have a really good read through.","start":1946.65,"end":1948.0901,"sentiment":"positive","sentiment_score":0.434466873606046},{"text":"Let me know if there's any additional questions that you might have, and, yeah, if you're happy to take on board the recommendation.","start":1948.0901,"end":1954.105,"sentiment":"neutral","sentiment_score":0.30107706914777344}],"sentiment":"neutral","sentiment_score":0.2876652422332272,"num_words":97,"start":1929.015,"end":1954.105},{"sentences":[{"text":"So just get you to sign and return it back.","start":1954.105,"end":1956.0249,"sentiment":"neutral","sentiment_score":0.21678650081157685},{"text":"Alternatively, any questions at all, come back and let me know.","start":1956.0249,"end":1959.3849,"sentiment":"neutral","sentiment_score":0.1350399987264113},{"text":"I'll make time to run through it with you, and we can have a chat about, you know, what what your questions are and how to answer them.","start":1959.3849,"end":1965.065,"sentiment":"neutral","sentiment_score":0.20647016114422254},{"text":"And if there is any part of the advice that you don't wanna take on board, we do have a little text box on the last page.","start":1965.065,"end":1971.4601,"sentiment":"neutral","sentiment_score":0.04602113357072489},{"text":"You're welcome to write there if there's any alterations or any part of the advice you don't wish to proceed with.","start":1971.4601,"end":1977.0801,"sentiment":"neutral","sentiment_score":0.040408579455245106}],"sentiment":"neutral","sentiment_score":0.11882082764035302,"num_words":97,"start":1954.105,"end":1977.0801},{"sentences":[{"text":"Okay?","start":1977.2201,"end":1977.7201,"sentiment":"neutral","sentiment_score":0.06295178830623627},{"text":"Easy.","start":1980.0651,"end":1980.545,"sentiment":"neutral","sentiment_score":0.2971511483192444},{"text":"Thank you so much.","start":1980.545,"end":1981.925,"sentiment":"positive","sentiment_score":0.42871327698230743},{"text":"I will let you go.","start":1982.225,"end":1983.345,"sentiment":"neutral","sentiment_score":0.16287801414728165},{"text":"You can have a bit of time to reach you that one.","start":1983.345,"end":1985.425,"sentiment":"neutral","sentiment_score":0.09958477814992268}],"sentiment":"neutral","sentiment_score":0.17758101969957352,"num_words":23,"start":1977.2201,"end":1985.425},{"sentences":[{"text":"I'm I'm gonna go back in and see if it needs me to resend it again because it's telling me it's sent, but I also know my computer's a little bit slow.","start":1985.425,"end":1993.265,"sentiment":"neutral","sentiment_score":-0.00528848689282313},{"text":"So I'll go back into the back end there and probably just try to resend the document for you as well.","start":1993.265,"end":1998.19,"sentiment":"neutral","sentiment_score":0.06114303568998972},{"text":"So, hopefully, it pops through in the next few minutes and then just, yeah, take some time.","start":1998.19,"end":2002.19,"sentiment":"neutral","sentiment_score":0.12835298566257253},{"text":"Okay?","start":2002.19,"end":2002.69,"sentiment":"neutral","sentiment_score":0.04995919018983841},{"text":"Yep.","start":2007.405,"end":2007.905,"sentiment":"neutral","sentiment_score":-0.0156417079269886}],"sentiment":"neutral","sentiment_score":0.046265144547861486,"num_words":72,"start":1985.425,"end":2007.905},{"sentences":[{"text":"Absolutely.","start":2012.525,"end":2013.025,"sentiment":"neutral","sentiment_score":0.05518048256635666},{"text":"Good luck Queensland.","start":2013.725,"end":2014.705,"sentiment":"neutral","sentiment_score":0.18932072321573892},{"text":"Oh, I bet it is.","start":2019.75,"end":2021.1901,"sentiment":"neutral","sentiment_score":-0.002735326811671257},{"text":"I bet it is.","start":2021.1901,"end":2021.99,"sentiment":"neutral","sentiment_score":-0.001422738190740347},{"text":"We're still in 20 degrees.","start":2021.99,"end":2024.23,"sentiment":"neutral","sentiment_score":-0.008732058107852936}],"sentiment":"neutral","sentiment_score":0.031117487491832838,"num_words":18,"start":2012.525,"end":2024.23},{"sentences":[{"text":"I'm happy with that.","start":2024.23,"end":2025.35,"sentiment":"positive","sentiment_score":0.4094785563647747},{"text":"Oh, nice.","start":2025.35,"end":2026.17,"sentiment":"positive","sentiment_score":0.37597665190696716},{"text":"Yeah.","start":2029.11,"end":2029.61,"sentiment":"neutral","sentiment_score":0.016211921349167824},{"text":"Yep.","start":2036.905,"end":2037.385,"sentiment":"neutral","sentiment_score":0.06670163571834564},{"text":"Yeah.","start":2037.385,"end":2037.885,"sentiment":"neutral","sentiment_score":0.15265053510665894}],"sentiment":"neutral","sentiment_score":0.29171462460524505,"num_words":9,"start":2024.23,"end":2037.885},{"sentences":[{"text":"Nice.","start":2038.105,"end":2038.605,"sentiment":"positive","sentiment_score":0.4074842929840088},{"text":"Oh, we'll get through that winter.","start":2039.225,"end":2041.965,"sentiment":"neutral","sentiment_score":0.15142072116335234},{"text":"Yeah.","start":2042.105,"end":2042.585,"sentiment":"neutral","sentiment_score":0.17130199074745178},{"text":"Absolutely.","start":2042.585,"end":2043.085,"sentiment":"positive","sentiment_score":0.38913869857788086},{"text":"Apartmentizing.","start":2043.465,"end":2043.965,"sentiment":"positive","sentiment_score":0.3457430303096771}],"sentiment":"neutral","sentiment_score":0.22221923395991325,"num_words":10,"start":2038.105,"end":2043.965},{"sentences":[{"text":"All good.","start":2047.145,"end":2047.965,"sentiment":"positive","sentiment_score":0.7146377265453339},{"text":"My pleasure.","start":2048.99,"end":2049.63,"sentiment":"positive","sentiment_score":0.8027620017528534},{"text":"It's been a pleasure putting this together for you.","start":2049.63,"end":2051.47,"sentiment":"positive","sentiment_score":0.8965863717926873},{"text":"Again, if there's any questions, let me know.","start":2051.47,"end":2053.0698,"sentiment":"positive","sentiment_score":0.40703244507312775},{"text":"But I hope you have a wonderful day, and thank you for calling me back.","start":2053.0698,"end":2056.03,"sentiment":"positive","sentiment_score":0.765862911939621}],"sentiment":"positive","sentiment_score":0.7180077789558305,"num_words":36,"start":2047.145,"end":2056.03},{"sentences":[{"text":"I appreciate your time.","start":2056.03,"end":2057.41,"sentiment":"positive","sentiment_score":0.7333026975393295},{"text":"Thanks.","start":2059.79,"end":2060.27,"sentiment":"positive","sentiment_score":0.6219265460968018},{"text":"See you later.","start":2060.27,"end":2061.0698,"sentiment":"positive","sentiment_score":0.4649567703406016},{"text":"Bye.","start":2061.0698,"end":2061.5698,"sentiment":"neutral","sentiment_score":0.2899101674556732}],"sentiment":"positive","sentiment_score":0.5822130905257331,"num_words":9,"start":2056.03,"end":2061.5698}]}}]},{"alternatives":[{"transcript":"Hey. Hey, Dana. I've got Elise on the phone. Beautiful. Let me know when you're ready for me to transfer her through. Not a problem. You got her in 321. Good. Thanks, Diana. Sorry I missed you. Yes. Yes. I'm sorry. No. I am driving. But I'll be I'm only driving for twenty minutes. Yeah. You can run through it. I can read it back once I get to the computer. Yep. Yep. Yep. Sounds good. Yes. Yes. Yep. Yep. Yep. Yep. Yeah. So, apparently, it's being paid in full, and it should clear by the end of month. So just waiting to see when that will actually hit. But, yeah, apparently, it's paid up to date. Yeah. Oh, and the law changes as next month anyway. So, yeah, it'll be actually actually adhere to, I think. Yep. Yep. Yes. No. I haven't heard of him at all. Yes. That makes sense. Yes. Yes. Yeah. Yes. Yeah. Yeah. That will. Yeah. My only question around that is, obviously, we're super outstanding from two employers currently. When you close that Hostplus account, how does that super get found to be into the correct account? Like, is there a way that it doesn't get go into the ether or gets put into the correct account. Yes. That makes sense. Yep. Yep. Yeah. Yep. That makes sense. Yep. Sounds good. Yeah. Okay. Sounds good. Yep. None. None at all. Sounds like it's pretty calculated. Yep. Yep. Yep. Not off the top of my head. I am sitting at the computer now. I cannot see your email. That's alright. It makes sense to keep some of it so that there's no exclusion. So that makes a lot of sense. It was a mom. Yep. Yeah. A 100 percent. Yep. Yeah. Yeah. Yep. Yeah. That makes sense. Yep. Yeah. That makes sense. Shit. Jesus Christ. No. That's alright. Queensland never ceases to amaze at this time of the year. No. It's staying Queensland. It's a good place. Yeah. That's all good. That's all good. Yep. Makes sense. Yep. Yep. That makes sense. Yeah. I'll probably just read it over when it comes through. I don't have any questions currently. I like that everything is pretty transparent on fees though that you're being really upfront about that. Because, yeah, I can see in the last two years, all I've really paid is fees at Post Plus because there's been no contributions. So, yeah, it's it's nice to hear what they all are straight out of the bat. So, yeah, I like that transparency. Thank you for that. Yep. Sounds good. Yep. No stress. If it doesn't come through today, I'll message you tomorrow. I understand you're working remotely, and there's some natural weather that you cannot help. Hey. At least you get warm. Down here, it's just bloody freezing. I I'm I'm still in shorts, though. So I'm still wearing shorts even though it's, like, currently well, it's 19 degrees in the house, but I think outside is about 12. We'll be fine. You get used to it. Yes. Thank you so much for your time, Dana. No worries. Thank you, Dana. Talk soon. See you. 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Hey, Dana. I've got Elise on the phone. Beautiful. Let me know when you're ready for me to transfer her through.\n\nNot a problem. You got her in 321. Good. Thanks, Diana. Sorry I missed you.\n\nYes. Yes. I'm sorry. No. I am driving.\n\nBut I'll be I'm only driving for twenty minutes. Yeah. You can run through it. I can read it back once I get to the computer. Yep.\n\nYep. Yep. Sounds good. Yes. Yes.\n\nYep. Yep. Yep. Yep. Yeah.\n\nSo, apparently, it's being paid in full, and it should clear by the end of month. So just waiting to see when that will actually hit. But, yeah, apparently, it's paid up to date. Yeah. Oh, and the law changes as next month anyway.\n\nSo, yeah, it'll be actually actually adhere to, I think. Yep. Yep. Yes. No.\n\nI haven't heard of him at all. Yes. That makes sense. Yes. Yes.\n\nYeah. Yes. Yeah. Yeah. That will.\n\nYeah. My only question around that is, obviously, we're super outstanding from two employers currently. When you close that Hostplus account, how does that super get found to be into the correct account? Like, is there a way that it doesn't get go into the ether or gets put into the correct account. Yes.\n\nThat makes sense. Yep. Yep. Yeah. Yep.\n\nThat makes sense. Yep. Sounds good. Yeah. Okay.\n\nSounds good. Yep. None. None at all. Sounds like it's pretty calculated.\n\nYep. Yep. Yep. Not off the top of my head. I am sitting at the computer now.\n\nI cannot see your email. That's alright. It makes sense to keep some of it so that there's no exclusion. So that makes a lot of sense. It was a mom.\n\nYep. Yeah. A 100 percent. Yep. Yeah.\n\nYeah. Yep. Yeah. That makes sense. Yep.\n\nYeah. That makes sense. Shit. Jesus Christ. No.\n\nThat's alright. Queensland never ceases to amaze at this time of the year. No. It's staying Queensland. It's a good place.\n\nYeah. That's all good. That's all good. Yep. Makes sense.\n\nYep. Yep. That makes sense. Yeah. I'll probably just read it over when it comes through.\n\nI don't have any questions currently. I like that everything is pretty transparent on fees though that you're being really upfront about that. Because, yeah, I can see in the last two years, all I've really paid is fees at Post Plus because there's been no contributions. So, yeah, it's it's nice to hear what they all are straight out of the bat. So, yeah, I like that transparency.\n\nThank you for that. Yep. Sounds good. Yep. No stress.\n\nIf it doesn't come through today, I'll message you tomorrow. I understand you're working remotely, and there's some natural weather that you cannot help. Hey. At least you get warm. Down here, it's just bloody freezing.\n\nI I'm I'm still in shorts, though. So I'm still wearing shorts even though it's, like, currently well, it's 19 degrees in the house, but I think outside is about 12. We'll be fine. You get used to it. Yes.\n\nThank you so much for your time, Dana. No worries. Thank you, Dana. Talk soon. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey.","start":3.04,"end":3.28,"sentiment":"neutral","sentiment_score":0.0702093243598938},{"text":"Hey, Dana.","start":3.28,"end":4.08,"sentiment":"neutral","sentiment_score":0.11566628515720367},{"text":"I've got Elise on the phone.","start":4.08,"end":5.62,"sentiment":"neutral","sentiment_score":0.17625421037276587},{"text":"Beautiful.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.7943560481071472},{"text":"Let me know when you're ready for me to transfer her through.","start":10.32,"end":12.74,"sentiment":"positive","sentiment_score":0.4374896635611852}],"sentiment":"positive","sentiment_score":0.3365135985341939,"num_words":22,"start":3.04,"end":12.74},{"sentences":[{"text":"Not a problem.","start":15.494999,"end":16.215,"sentiment":"neutral","sentiment_score":0.26095515489578247},{"text":"You got her in 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email.","start":1329.98,"end":1331.36,"sentiment":"neutral","sentiment_score":-0.30634288787841796},{"text":"That's alright.","start":1337.795,"end":1338.535,"sentiment":"neutral","sentiment_score":0.05173408146947622},{"text":"It makes sense to keep some of it so that there's no exclusion.","start":1339.795,"end":1343.9751,"sentiment":"neutral","sentiment_score":0.13533555601651853},{"text":"So that makes a lot of sense.","start":1344.1951,"end":1345.8,"sentiment":"neutral","sentiment_score":0.23454188236168452},{"text":"It was a mom.","start":1382.1799,"end":1383.08,"sentiment":"neutral","sentiment_score":-0.0555243156850338}],"sentiment":"neutral","sentiment_score":0.056477802114621285,"num_words":31,"start":1329.98,"end":1383.08},{"sentences":[{"text":"Yep.","start":1385.7799,"end":1386.2799,"sentiment":"neutral","sentiment_score":0.06151521205902099},{"text":"Yeah.","start":1401.255,"end":1401.75,"sentiment":"neutral","sentiment_score":-0.15760333836078644},{"text":"A 100 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sense.","start":1579.61,"end":1580.51,"sentiment":"neutral","sentiment_score":0.18438986937204996},{"text":"Yep.","start":1638.1901,"end":1638.6901,"sentiment":"neutral","sentiment_score":0.08369999378919601}],"sentiment":"neutral","sentiment_score":0.14422590684677875,"num_words":7,"start":1478.965,"end":1638.6901},{"sentences":[{"text":"Yeah.","start":1639.7101,"end":1639.9501,"sentiment":"neutral","sentiment_score":0.14637018740177157},{"text":"That makes sense.","start":1639.9501,"end":1640.93,"sentiment":"neutral","sentiment_score":0.32540732622146606},{"text":"Shit.","start":1649.305,"end":1649.805,"sentiment":"neutral","sentiment_score":-0.06333860754966736},{"text":"Jesus Christ.","start":1660.185,"end":1661.245,"sentiment":"neutral","sentiment_score":0.02140576671808958},{"text":"No.","start":1668.08,"end":1668.24,"sentiment":"neutral","sentiment_score":-0.09803786873817444}],"sentiment":"neutral","sentiment_score":0.1255034029018134,"num_words":8,"start":1639.7101,"end":1668.24},{"sentences":[{"text":"That's alright.","start":1668.24,"end":1668.98,"sentiment":"neutral","sentiment_score":-0.053754701279103756},{"text":"Queensland never ceases to amaze at this time of the year.","start":1669.36,"end":1672.74,"sentiment":"neutral","sentiment_score":0.07992052219130776},{"text":"No.","start":1679.455,"end":1679.695,"sentiment":"neutral","sentiment_score":-0.03697899356484413},{"text":"It's staying Queensland.","start":1679.695,"end":1680.6749,"sentiment":"neutral","sentiment_score":0.009347449367245039},{"text":"It's a good place.","start":1680.815,"end":1681.715,"sentiment":"neutral","sentiment_score":0.2030113060027361}],"sentiment":"neutral","sentiment_score":0.07498690095685777,"num_words":21,"start":1668.24,"end":1681.715},{"sentences":[{"text":"Yeah.","start":1700.4701,"end":1700.87,"sentiment":"neutral","sentiment_score":-0.08766190707683563},{"text":"That's all good.","start":1700.87,"end":1701.75,"sentiment":"neutral","sentiment_score":0.23930675412217775},{"text":"That's all good.","start":1701.75,"end":1702.7301,"sentiment":"positive","sentiment_score":0.5403900543848673},{"text":"Yep.","start":1776.27,"end":1776.77,"sentiment":"neutral","sentiment_score":0.21831326186656952},{"text":"Makes sense.","start":1776.83,"end":1777.65,"sentiment":"neutral","sentiment_score":0.27570073306560516}],"sentiment":"neutral","sentiment_score":0.30211432464420795,"num_words":10,"start":1700.4701,"end":1777.65},{"sentences":[{"text":"Yep.","start":1883.535,"end":1884.035,"sentiment":"neutral","sentiment_score":0.0952734500169754},{"text":"Yep.","start":1884.23,"end":1884.63,"sentiment":"neutral","sentiment_score":0.14687329530715942},{"text":"That makes sense.","start":1884.63,"end":1885.61,"sentiment":"positive","sentiment_score":0.3977813720703125},{"text":"Yeah.","start":1897.99,"end":1898.085,"sentiment":"neutral","sentiment_score":0.02296949177980423},{"text":"I'll probably just read it over when it comes through.","start":1898.245,"end":1899.765,"sentiment":"neutral","sentiment_score":0.06637104135006666}],"sentiment":"neutral","sentiment_score":0.13263567292597145,"num_words":16,"start":1883.535,"end":1899.765},{"sentences":[{"text":"I don't have any questions currently.","start":1899.765,"end":1901.225,"sentiment":"neutral","sentiment_score":-0.027002705028280616},{"text":"I like that everything is pretty transparent on fees though that you're being really upfront about that.","start":1901.845,"end":1906.505,"sentiment":"neutral","sentiment_score":0.2403920319150476},{"text":"Because, yeah, I can see in the last two years, all I've really paid is fees at Post Plus because there's been no contributions.","start":1908.005,"end":1917.14,"sentiment":"neutral","sentiment_score":0.07298005317958693},{"text":"So, yeah, it's it's nice to hear what they all are straight out of the bat.","start":1918.48,"end":1922.745,"sentiment":"positive","sentiment_score":0.5875343233346939},{"text":"So, yeah, I like that transparency.","start":1923.785,"end":1925.245,"sentiment":"positive","sentiment_score":0.5646669864654541}],"sentiment":"neutral","sentiment_score":0.2676046475484643,"num_words":69,"start":1899.765,"end":1925.245},{"sentences":[{"text":"Thank you for that.","start":1925.305,"end":1926.285,"sentiment":"positive","sentiment_score":0.7298726290464401},{"text":"Yep.","start":1977.7001,"end":1978.2001,"sentiment":"neutral","sentiment_score":0.12093397229909895},{"text":"Sounds good.","start":1978.26,"end":1979.0801,"sentiment":"neutral","sentiment_score":0.26273366808891296},{"text":"Yep.","start":2001.59,"end":2002.09,"sentiment":"neutral","sentiment_score":0.06386100500822067},{"text":"No stress.","start":2003.19,"end":2003.75,"sentiment":"neutral","sentiment_score":0.016910014674067497}],"sentiment":"positive","sentiment_score":0.3663572859019041,"num_words":10,"start":1925.305,"end":2003.75},{"sentences":[{"text":"If it doesn't come through today, I'll message you tomorrow.","start":2003.75,"end":2006.57,"sentiment":"neutral","sentiment_score":-0.0366682467982173},{"text":"I understand you're working remotely, and there's some natural weather that you cannot help.","start":2006.87,"end":2013.155,"sentiment":"neutral","sentiment_score":-0.014874374627002649},{"text":"Hey.","start":2016.575,"end":2016.735,"sentiment":"neutral","sentiment_score":0.016453426331281662},{"text":"At least you get warm.","start":2016.735,"end":2017.695,"sentiment":"neutral","sentiment_score":0.11510758101940155},{"text":"Down here, it's just bloody freezing.","start":2017.695,"end":2019.235,"sentiment":"neutral","sentiment_score":-0.18080626676479974}],"sentiment":"neutral","sentiment_score":-0.029660277275575533,"num_words":36,"start":2003.75,"end":2019.235},{"sentences":[{"text":"I I'm I'm still in shorts, though.","start":2022.335,"end":2024.3099,"sentiment":"neutral","sentiment_score":0.0012906513043812343},{"text":"So I'm still wearing shorts even though it's, like, currently well, it's 19 degrees in the house, but I think outside is about 12.","start":2024.3099,"end":2036.49,"sentiment":"neutral","sentiment_score":0.05281318072229624},{"text":"We'll be fine.","start":2039.205,"end":2040.1849,"sentiment":"neutral","sentiment_score":0.21347136298815408},{"text":"You get used to it.","start":2040.245,"end":2041.465,"sentiment":"neutral","sentiment_score":0.22947249412536622},{"text":"Yes.","start":2045.205,"end":2045.705,"sentiment":"positive","sentiment_score":0.38807085156440735}],"sentiment":"neutral","sentiment_score":0.08630995769053698,"num_words":40,"start":2022.335,"end":2045.705},{"sentences":[{"text":"Thank you so much for your time, Dana.","start":2046.6449,"end":2048.4248,"sentiment":"positive","sentiment_score":0.7184954285621643},{"text":"No worries.","start":2057.5999,"end":2058.0,"sentiment":"positive","sentiment_score":0.3678596317768097},{"text":"Thank you, Dana.","start":2058.0,"end":2058.72,"sentiment":"positive","sentiment_score":0.6165422399838766},{"text":"Talk soon.","start":2058.72,"end":2059.46,"sentiment":"positive","sentiment_score":0.5019447952508926},{"text":"See you.","start":2061.5198,"end":2061.8398,"sentiment":"neutral","sentiment_score":0.30036163330078125}],"sentiment":"positive","sentiment_score":0.584583662888583,"num_words":17,"start":2046.6449,"end":2061.8398},{"sentences":[{"text":"Bye.","start":2061.8398,"end":2062.3398,"sentiment":"neutral","sentiment_score":-0.1070236712694168}],"sentiment":"neutral","sentiment_score":-0.1070236712694168,"num_words":1,"start":2061.8398,"end":2062.3398}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Maddie.\n\nChannel 1: Hey. Hey, Dana. I've got Elise on the phone.\n\nChannel 0: Oh, perfect. I was just sending a text message out to her. Easy.\n\nChannel 1: Beautiful. Let me know when you're ready for me to transfer her through.\n\nChannel 0: Yeah. Whenever you're ready. Thank you so much.\n\nChannel 1: Not a problem. You got her in 321.\n\nChannel 0: Thanks. Oh, hi. This is Dana. How are you?\n\nChannel 1: Good. Thanks, Diana. Sorry I missed you.\n\nChannel 0: That's absolutely fine. It's not a problem at all. I had to just book in to go through your statement of advice. Is now still a good time there for you?\n\nChannel 1: Yes. Yes. I'm sorry.\n\nChannel 0: Fantastic. Do you happen to have access to your email at the moment at all?\n\nChannel 1: No. I am driving. But I'll be\n\nChannel 0: Oh, no. That's it.\n\nChannel 1: I'm only driving for twenty\n\nChannel 0: Go\n\nChannel 1: minutes.\n\nChannel 0: ahead. Oh, that's okay. Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together? What's more preferable to you?\n\nChannel 1: Yeah. You can run through it. I can read it back once I get to the computer.\n\nChannel 0: Yeah. No. Not a problem at all. So what I'll do is I'll email this one through to you so it is in your emails when you do get there. And\n\nChannel 1: Yep.\n\nChannel 0: then, oh, sorry. It's saying there's an error. I'll get that sorted. I'll email it through to you shortly. That way, it's there when you do happen to get home and do have some time to read it through this afternoon.\n\nIn the\n\nChannel 1: Yep.\n\nChannel 0: meantime, I'll just run through the advice there for you, give you an update of what the recommendations are. If you happen to have any questions through the call, just let me know. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Fantastic. So, Elise, on the front of the document, when you are looking at it, you'll note it does have the statement of advice prepared for yourself as of the 03/18/2026. Our advice documents are valid for sixty days from the date on the front of the document there, and it has been prepared by my lovely team here at Oakview Financial. And my authorized representative number for you is 1304394. Okay?\n\nChannel 1: Yes.\n\nChannel 0: As you are running through, it does start by going through the best interest, Judy, just letting you know that any advice provided is provided under the best interest. So we go through the process we do of making sure we understand your goals, objectives, and what you're looking for with regard to financial advice. So it can be provided to meet your goals, put you in a better position at the end of the day, and work towards your long term retirement goals there as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: With this advice, we've spoken areas of superannuation. So, essentially, you're looking to be able to cut back and work part time in your mid sixties and then hopefully retire in the seventies. So we're looking long term. They're trying to make your physical work as hard as possible towards that. We're also looking at insurances.\n\nSo wanting to make sure if anything did happen to you that you could pay off the more, that your insurances could pay off the mortgage. And\n\nChannel 1: Yep.\n\nChannel 0: we've also scoped in the estate planning side of things as well, just making sure that a will power of attorney and with regard to your super, making sure that beneficiaries are also in line with your goals and wishes. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Areas that we're not looking at in advice today is salary sacrifice. So at the moment, not wanting to look at making any additional contributions to super. However, it can be reassessed down the track should you wish to do so. When we look at insurances, we're just looking at the licensed EBD. You have made mention you weren't worried too much about getting any income protection.\n\nYou do have about a year's worth of income set aside to cover yourself and you've been if anything is occurring and and not looking at trauma as well, not looking at any additional insurances paid outside of Super. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Excellent. So I'll start by sort of going through the recommendations there. Now at the moment, you do have your host Plus super account. We did go through and do a bit of research on that and all the other super funds out there to see what was appropriate to your goals and what was gonna help put you in a better position moving forward there.\n\nAt the moment, within Host Plus, the balance have was about 79,219, and you are paying administration fees, investment fees. Your contributions aren't quite going in at the moment, but they should be. Have you managed to get any more word from your employer in relation to your contributions?\n\nChannel 1: Yeah. So, apparently, it's being paid in full, and it should clear by the end of month. So\n\nChannel 0: Perfect.\n\nChannel 1: just waiting to see when that will actually hit. But, yeah, apparently, it's paid up to date.\n\nChannel 0: Perfect. That is excellent. Good to see. And, hopefully, I continue to keep paying those for you because it's only to benefit you. So\n\nChannel 1: Yeah. Oh, and\n\nChannel 0: yeah.\n\nChannel 1: the law changes as next month anyway. So, yeah, it'll be\n\nChannel 0: Absolutely.\n\nChannel 1: actually actually adhere to, I think.\n\nChannel 0: Absolutely. And at the end of the day, it's part of your wage. The first 12% of your income is meant to go into super. So, essentially, he's basically holding back part of your income, your hard earned time. So yeah.\n\nChannel 1: Yep.\n\nChannel 0: All good. So with regards to the host plus there, we have a bit of a look. Now the way you are currently invested, we sort of talked into that risk profile questionnaire, and you have scored as more of a growth investor. That typically sees about 80% in growth investments of things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in defensive investments of things like cash, bonds, and fixed interest. With the way your host plus is currently invested, you're in more of a balanced growth sort of option there.\n\nSo you've got about 75.7% in those growth investments, and a bit higher about 24.3% in defensive investments. So you're probably taking a little bit less risk than what we sort of like to see for you at the moment with\n\nChannel 1: Yep.\n\nChannel 0: regards to that investment profile there. You could definitely have your funds working a bit harder. So what we've done is we had a bit of a look at how that has been performing on average over the past five years. It has sort of shown about a 7.56% there. So not the greatest return.\n\nWe wanna sort of see if we can make it work a bit harder for you. So what I am\n\nChannel 1: Yes.\n\nChannel 0: recommending is that we do roll you out of host plus, and we do roll you into a retail fund called Hub twenty four. Now I know Reason's already on board, but have you other than that, have you heard of Hub twenty four before or retail rep platforms? Or\n\nChannel 1: No. I haven't heard of him at all.\n\nChannel 0: no. That's okay. So Hub twenty four is an investor pro an investor platform. They do super accounts, pension accounts, and normal investment accounts as well. Hub twenty four and other platforms like it, there's MyNorth, BT, Panorama.\n\nThere's lots of map there. We like them as advisers because they actually give us access to a lot more different investment options. So while plus Host Plus tends to give you access to just over 20 different investment options, Hub twenty four gives you access to 1,140 different investment options from here in Australia and overseas. That's looking at managed funds, exchange trader funds, and also, you know, individual shares as well. So we can build portfolios that are working harder, but it also gives us access to alter and change those portfolios moving forward, which is really important.\n\nPart of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now. Because what might be recommended initially in a couple of years might need to be altered and changed for you so that your super continues to work hard and grow on compound over time. Okay?\n\nChannel 1: Yes. That makes\n\nChannel 0: Yeah. So with regard to Hub\n\nChannel 1: sense.\n\nChannel 0: '24, with regard to the change there, we'd be putting you into our growth investment. We increased that from 75% to the 82% invested there. So you have more of those growth investments working harder for you, making your money work towards your goals. And then we're gonna decrease those defensive investments like cash and loans a little bit. So we're gonna go from 24.3% in defensive investments down to 18%.\n\nSo you're taking a little bit more risk, but also wanting to increase those returns as well. The investment portfolio that was generated for you over the past five years has averaged about 10.9%. So, essentially, it has averaged about 3.34% more than what your current portfolio is averaging, which if it's compounded\n\nChannel 1: Yes.\n\nChannel 0: forward, can actually see you grow your super and provide a greater benefit. When we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years. Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time. So it does give you a greater benefit depending on how the market reacts. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. I have considered contributions going into the account because we do know your employer is supposed to pay them, and you were trying to get them in there. And now they're going in. That is fantastic. We'll make sure to monitor and see them moving on a regular basis.\n\nAnd with the legislation\n\nChannel 1: Yeah.\n\nChannel 0: changes coming into effect, your employer will need to make those contributions in line with your wages. So we'll have true dollar cost averaging, which means you'll be able to take advantage of the market ups and downs moving forward, which is fantastic. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Now Hostplus is a little bit more we it does cost a bit more administration fees, so we understand putting you into a retail platform does mean the administration fees are slightly higher. So with your administration fees within Hub twenty four, it'll show you about $480 more for the first year. However, your investment fees are decreased by 563. So at the moment, in host plus, your investment fees are costing an average of about $848. In Hub 24, we can reduce those investment fees down to 285.\n\nSo whilst your admin fees go up a little bit by utilizing this platform, this sophisticated platform, your investment fees actually decrease, which is actually gonna save you overall at the end of the day. Okay?\n\nChannel 1: Yeah. Yeah. That will.\n\nChannel 0: Perfect. As I mentioned, the growth portfolio will put you in, see if you're taking on a little bit more risk there, but also making sure your funds are working harder, and the five year rolling average return has provided a greater level of return, which is important. One of the things we did also talk about was the fee structure. So by coming on board with O. T.\n\nFinancial, everything we do up until the point you decide to come on board is completely complimentary. If you decide to take on the recommendation to come on board with us, we do charge an implementation fee for running through the implementation of the advice and the cost of providing the advice as well. That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document. It's 3.3%, and it's capped at balances of 150,000. So it shows you in here.\n\nAnd how that essentially works is with the implementation, we'll open up your super account. We'll roll the funds from Post Plus into Hub 24. As soon as the funds hit the account, we deduct that fee of $2,614. Then we have the funds invested for you, and then it starts to make that money back nice and quick. Does that make sense?\n\nChannel 1: Yeah. My only question around that is,\n\nChannel 0: Sure.\n\nChannel 1: obviously, we're super outstanding from two employers currently.\n\nChannel 0: Mhmm.\n\nChannel 1: When you close that Hostplus account, how does that super get found to be into the correct account? Like, is there a way that it doesn't get go into the ether or gets put into the correct\n\nChannel 0: Yeah. So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive\n\nChannel 1: account.\n\nChannel 0: money from past employers, they will just reopen the account, and we'll be able to roll those funds back over into hub 24 without any issues whatsoever. The other option is if if they don't pay it to Hostplus, if the ATO collect the funds, because at tax time, your past employers are also supposed to declare how much they've paid for all their employees in regards to, their employer contributions. So if the ATO decides to collect the money, the ATO will collect it, put it in their holding account, and they find your open account for you and have the money moved into HUB 24. So either way, if it does go into host plus, we'll be able to help you with it. You'll get notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you.\n\nBut if\n\nChannel 1: Yes.\n\nChannel 0: the ATO collect the funds, they'll look for your open account because they'll have a record of it, and they'll be able to deposit that into the Hub twenty four account for you as well. Yeah.\n\nChannel 1: That makes sense.\n\nChannel 0: Yeah. We can also with your current employer, we'll also give you a choice of Superform. So you'll be able to give him that and say this is where my employer contributions need to go into so he can start making those employer contributions straight away into that account for you. We can also\n\nChannel 1: Yep.\n\nChannel 0: give it to you. So if you did wanna just provide that to your past employer, you can go, hey. This is where my super is now. Make sure those\n\nChannel 1: Yep.\n\nChannel 0: contributions go into here. And, hopefully, they can even just change what they're paying them through to as well as part of their payroll. Okay?\n\nChannel 1: Yeah. Yep. That makes sense.\n\nChannel 0: Yeah. Easy. Either way, we'll make sure we help you with that. It's not a problem at all. We're pretty well versed in making sure we find money.\n\nPart of that process is if you come on board as well, we always do a lot super search for you. So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well. So as part of our process, we'll make sure that lost super search is done for you as well. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. So that's the implementation fee. As I said, it's only charged if you do decide to come on board. It's a one off fee for this advice document. We do provide ongoing advice and support to you at no additional charge with regards to that.\n\nWe never charge this implementation fee ever again for any advice that you provide. The other fee that we do like to disclose or have to disclose is the ongoing service fee. So by coming on board with us, you will pay an ongoing service fee. Because Reese is already a client with us, it is reduced to 1.1% for yourself. And if you decide to come on board, we'll also reduce that for Reese as well to reduce his fees.\n\nEssentially,\n\nChannel 1: Yeah.\n\nChannel 0: you'll see in the advice document here, we estimate for the first year based on your balance, the fee to be $892, and that's essentially it's 1.1% on a yearly basis. And the way the ongoing service fee works is it is deducted in smaller monthly increments on a regular basis. So you pay a smaller amount each month, and it just kinda adds up to the 1.1 at the end of the year. We also cap our fee currently at 600,000. So if we can get your balance up to that million dollar mark, we don't charge 1.1 percent on a million dollars.\n\nWe cap that at 600,000 for you as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. We've also got at the moment, you've got some insurances in your fund there as well. I'll go to those shortly as well. The other thing I kinda just wanted to point out was just giving you a quick run through of the investments there. I know you're not looking at the documents, so it can be a bit a lot to go through with the investments.\n\nBut, essentially, once we remove your funds out of hub twenty four, you'll see your money distributed across a diversified portfolio, which includes access and exposure to cybersecurity. So areas like India, The US, we're also looking at Australian equity as well with Afiniti. One of the things that you and I talked about was whether you wanted to see any active management in your portfolio, and you wanted to give that active management a go for the first year or two to see how that would perform. So we're looking at Afiniti Australian Fairs. Affinity are an active investment manager, and they tend to have between 20 to sorry.\n\n20 to 35 different investments within their portfolio, and they're trying to outperform against the market. So we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis. If at any point we feel that's no longer performing, it's not doing what it's supposed to, we'll look to replace that for you down the track. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. But your portfolio also will give you exposure to global health care. We've got the RAFI Australian 200 to giving you access to some of the top 200 companies on the Australian share market as well as the Aufiniti exposure. We've got the JPMorgan Global Enhanced Research Fund. Essentially, JPMorgan and their research team look at areas growth globally and try to invest in areas where we see or where they see potential growth.\n\nAnd global exposure is really important for diversification. Ultimately, diversification is the best form of risk management, so we try to make sure we're diversifying across many different asset classes as well as industries and countries as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then you'll also see your funds diversified across having some fixed interest in there, so core composite bonds, and also some high yield interest accounts as well, which is quite good. And then we've also got some physical gold in there because having commodities is a fantastic asset, and also some cybersecurity in there for you as well because there is a growth area moving forward down the track. So have a look at the investments. I've just kinda gone through them a little bit basically for you because so what to kinda go into each one individually when you're not looking at the document. But if you have any questions about any of those investments, you're welcome to let me know.\n\nI'm more than happy to break it down and give you a bit more detail. But do you have any questions so far at all?\n\nChannel 1: None. None at all. Sounds\n\nChannel 0: Really?\n\nChannel 1: like it's pretty calculated.\n\nChannel 0: Yeah. Fantastic. With any supermom, we also do hold a certain amount of cash. We just try to make it a minimal amount of cash in the account, which covers essentially administration fees and things like that. So within HUD twenty four, you'll just need to take 1.25% cash in the account.\n\nIt does work out you should have about $957 in the cash account there, but we monitor that for you. And HubSpot me for you'll probably notice we'll do a regular once a month. They do, like, a cash management thing where they just, you know, buy and sell to make sure that a cash account is topped up to the correct amount. So you'll see that\n\nChannel 1: Yep.\n\nChannel 0: in the document there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now with the insurance side of things, at the moment within Hostplus, so you do have a bit of life and TBD. So you've got 229,160 of life and TBD cover. We talked about wanting to make sure that if anything happens to you with life and TPD that the mortgage is essentially covered. So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four.\n\nThe reason I'm recommending that we do transfer that to begin with is that we went through a bit did that pre assessment with you. With the pre assessment, having a look at the molds that were cut out, because of sort of what had happened, there is a risk that it could be a cancer exclusion on any new policies that we receive. So I am making a recommendation that we apply for new cover, but to limit the risk of having exclusions on as much of your cover as possible, I also wanna transfer over the cover from host plus into hub 24. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: how this works is we the cover you have in host plus at the moment doesn't have any loadings or exclusions on it, and it gives you the first two hundred and twenty nine thousand one hundred and sixty of life and TBD completely exclusion free, which means that you can claim on it for any illness or injury, whether it's preexisting or not. So I wanna transfer that cover over from post class in the hub 24. It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy. We're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD. That tops up your existing life and TBD cover to the level to cover the mortgage if anything happens to you.\n\nBut because there is a risk with underwritten cover of having a cancer exclusion on there, there's a chance they may not put the exclusion on there, and that's great. But because there is a risk of that, I wanted to make sure we didn't have the exclusion on the whole cover that we could limit that as much as possible. So with ClearView, with it being underwritten cover, at the time of the application, you go through all these medical questions, and they're gonna wanna get reports from your doctors around the pathology and what happens. So with that, if they decide to add the exclusion, the exclusion would be on that 420,000, which still leaves you with that lower amount of 229,160 completely exclusion free. These exclusions would probably only be added to PDD, but there is a chance they may add it to life.\n\nThey don't generally add exclusions to life. Life is life. When you pass away, the amount pays out. But disability cover is more is more open to having exclusions or loadings depending on health and depending on preexisting conditions as well. That's a little bit a lot to kinda go through.\n\nDo you have any questions in relation to that? I understand you may.\n\nChannel 1: Not off the top of my head. I\n\nChannel 0: Mhmm.\n\nChannel 1: am sitting at the computer now. I cannot see your email.\n\nChannel 0: No. That's okay. I'll see if I can send it again. It's it's telling me it's sending, but it's trying to send.\n\nChannel 1: That's alright.\n\nChannel 0: Let me just see.\n\nChannel 1: It makes sense to keep some of it so that there's no\n\nChannel 0: Yeah.\n\nChannel 1: exclusion. So that makes a lot of\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: Yeah. So one of the things we look at like, if we didn't if we didn't look to transfer the cover from post plus and we just applied for enough cover to cover the mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition. So you wouldn't be able to claim for cancer in related to the past the past illness, injury, or issue. Yeah. I think it was it was a mole that was cut out, wasn't it?\n\nIt was a cancerous mole that they had removed. Is that right? Or a lump?\n\nChannel 1: It was a mom.\n\nChannel 0: Yeah. A mole. Yeah. Perfect. And, like,\n\nChannel 1: Yep.\n\nChannel 0: we all have lots of them, but they sort of wanna make sure it's the same as, like, when you have your car insurance. If we didn't have car insurance and the storm was coming and we call up the insurance and, hey. If storm's coming, I wanna cover my car for storm damage, they will go, no. We can't do that because\n\nChannel 1: Yeah.\n\nChannel 0: the risk of you making a claim is much higher. So the same thing\n\nChannel 1: A 100\n\nChannel 0: sort of\n\nChannel 1: percent.\n\nChannel 0: works when it comes to life and CBD insurance. They don't wanna cover for preexisting conditions because the risk of you making a claim is much higher. And that's why having some of this with your current host plus cover is really beneficial because it's what's called group cover. You haven't actually applied for this cover. It was just provided as a default option to you.\n\nSo they actually have no idea about your health. They will do a health questionnaire with you at the time of claim if you had the claim. However, at the moment, it gives you that level of cover with no no exclusions on it. And as long as you've had this cover for a longer period of time, often with group cover, they don't really care that much about the the so the preexisting conditions. We've had this cover\n\nChannel 1: Yep.\n\nChannel 0: for a long time. It's been there for longer. You probably had that cover in place prior to the mold being cut out anyway. So they're really not gonna look at that as a big thing, which gives you a lot more you have a higher chance of claiming on this $229,001.60 than the higher amount for the cancer if it ever came back, if you had the time on that. There's always a risk with insurances that you'll pay the premium, you'll get to retirement, and have never claimed on them, and they'll just cancel or we'll cancel them one of the two.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Yeah.\n\nChannel 0: about covering yourself for that small one percent chance of having a risk. But the way this essentially works is that you'll have that default cover in place transferred to hub twenty four to give you a level of cover without any exclusions or loadings, and then we'll have the top up cover, which there is a chance there could be an exclusion attached to. There's also a chance they may not apply the exclusion. It just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. With the cover, it will be paid out of the super funds, so it doesn't it's not gonna come out of your back pocket in any way, shape, or form. And, essentially, having a look at that, you do get a 15% discount on paying for insurances out of super, which, again, is really quite cool. We do love that. But we do expect the premiums to be about $488 for the year.\n\nIt is an increase because we are increasing the amount of cover, but it's only increasing the cover by about $241 for the year. So it doesn't have a large impact on your super, but it does have an impact over time. And we wanna make sure we review the level of cover you have, how it's paid, how much it's costing you so that we can adjust that down the track as well. The biggest thing is when you sort of look at insurances, when you consider the five, ten, and twenty year impact, insurances do get more expensive over time as the risk of you making a claim increases as you get older. So we do wanna make sure that you hold the level of cover you're after.\n\nYou are paying a a fair premium for it, but that is not impacting your super very heavily there. So we will just wanna review that with you moving forward. Does that make sense?\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Yeah. Beautiful. All good. The last part of the advice is essentially the beneficiary nominations. So we will make sure that you have beneficiary nominations applied to your life cover, both with hub twenty four and with Clearview and on your hub twenty four super account, making sure that if anything did happen, touch wood, nothing ever does.\n\nBut if anything did happen, that your super and life insurances are paid out a 100% to raise so that he can take care of your family, making sure to pay off the mortgage and take some time off to alleviate stress and pressure and work out what he wants to do moving forward. So we will help you to make sure those apply to the account. We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there. If you do need another one or did need a referral through, let us know. But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as well.\n\nOkay?\n\nChannel 1: Yep. Yeah. That\n\nChannel 0: Beautiful.\n\nChannel 1: makes sense.\n\nChannel 0: Excellent. We've also got in here when you are so the email that it has sent, it might just take a minute. I'm not sure how things are there. We've had some\n\nChannel 1: Shit.\n\nChannel 0: a lot of rain. We've actually had about 200 normal rains the last forty eight hours. Yes. I'm working from home today because it's, like, there's local flooding and things like that. So\n\nChannel 1: Jesus Christ.\n\nChannel 0: it might take a minute for the email to come through to you. I do apologize that we might having some issues with the phone lines as well. Sorry about that.\n\nChannel 1: No. That's alright. Queensland never ceases\n\nChannel 0: I\n\nChannel 1: to amaze at this time of the year.\n\nChannel 0: know. I actually said today, maybe I need to move to somewhere a little bit less wet.\n\nChannel 1: No. It's staying Queensland.\n\nChannel 0: It's\n\nChannel 1: It's a good place.\n\nChannel 0: it's pretty crazy how often we end up with this much rain. And, yeah, we all woke up, and our bosses are like, you know what? There's still a high risk of flooding, local flooding in certain areas. It's all work from home. It's just gonna be easier for everyone and safer for everyone today, and then the phone lines have been a little bit erratic.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: sorry about\n\nChannel 1: That's\n\nChannel 0: that.\n\nChannel 1: all good. That's all good.\n\nChannel 0: Yeah. All good. On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things. As noted, the implementation fee is 3.3%. The cap advance is a 150,000.\n\nYour balance is well below that, so the amount there that we expect is 2,614. With insurances, we do also receive remuneration from the insurer for making these recommendations once they are in place. These are legislated the same across the board, so they don't have any effect on what my recommendations are. But with regards to the Clearview recommendation, if the insurances are accepted and go into force, we would receive $248 for the first year based on 66% of the first year's premium, and then 22% say ongoing and a $145 moving forward as well. So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything.\n\nAnd you'll also see the ongoing remuneration. So the fee breaks down at 1.1 for you. And if you decide to come on board, we'll make sure raises is also reduced for you as well. Okay?\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: All good. All good. How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us. Attach to attach this DocuSign, you'll also have for your reference the appendices. I've also got a copy of the statement advice attached as an as an extra document.\n\nWe've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well. We also do have your original fax line filled out and the application for hub 24. So if you decide to sign it, it'll kind of ask you to sign all those documents. It just makes it easy to sign everything all at once. But if you are running through and having a look, it might be why this is taking a bit longer as well.\n\nThere is quite a few attachments attached to it. So it's probably thinking about sending all of them to you. I do apologize about that. But, yeah, if you once you do sign and return that back, we'd start by just opening up your Hub twenty four super account. We start by completing just a partial rollover.\n\nSo we leave 10,000 behind in the host plus whilst we get your insurances in place. That keeps your insurances in place host bus active until we can have the transfer completed and get the Clearview policy in place. Once those insurances are fully in place, then we complete a final rollover. We'll make sure in that time you also get your employer contributions form. We'll also do the lost super search there for you, and then we'll make sure your beneficiaries are also up to date there.\n\nSo we do things in a little bit of more timely manner if you're unaware of what's happening, But we also do things to make sure we're not canceling insurance's prematurity, keep you protected at the same time. Okay?\n\nChannel 1: Yep. Yep. That makes\n\nChannel 0: Beautiful.\n\nChannel 1: sense.\n\nChannel 0: All good. Now I know that is quite a bit to go through. Is there any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes through?\n\nChannel 1: Yeah. I'll probably just read it over when it comes through. I don't have any questions currently. I like\n\nChannel 0: Yeah.\n\nChannel 1: that everything is pretty transparent on fees though that you're being really upfront about that.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Because, yeah, I can see in the last two years, all I've really paid is fees at Post\n\nChannel 0: Yeah.\n\nChannel 1: Plus\n\nChannel 0: Yeah.\n\nChannel 1: because there's been no contributions.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, it's it's nice to hear what they all are straight out of the\n\nChannel 0: Beautiful.\n\nChannel 1: bat.\n\nChannel 0: Beautiful.\n\nChannel 1: So, yeah, I like that transparency. Thank you for that.\n\nChannel 0: That's okay. That's not a problem at all. When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest. I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well. So you're welcome to run your eyes over that.\n\nHave a really good read through. Let me know if there's any additional questions that you might have, and, yeah, if you're happy to take on board the recommendation. So just get you to sign and return it back. Alternatively, any questions at all, come back and let me know. I'll make time to run through it with you, and we can have a chat about, you know, what what your questions are and how to answer them.\n\nAnd if there is any part of the advice that you don't wanna take on board, we do have a little text box on the last page. You're welcome to write there if there's any alterations or any part of the advice you don't wish to proceed with. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Easy. Thank you so much. I will let you go. You can have a bit of time to reach you that one. I'm I'm gonna go back in and see if it needs me to resend it again because it's telling me it's sent, but I also know my computer's a little bit slow.\n\nSo I'll go back into the back end there and probably just try to resend the document for you as well. So, hopefully, it pops through in the next few minutes and then just, yeah, take some\n\nChannel 1: Yep.\n\nChannel 0: time. Okay?\n\nChannel 1: No stress. If it doesn't come through today, I'll message you tomorrow. I understand\n\nChannel 0: Yep.\n\nChannel 1: you're working remotely, and there's some natural weather that you cannot\n\nChannel 0: Absolutely.\n\nChannel 1: help.\n\nChannel 0: Good luck Queensland.\n\nChannel 1: Hey. At least you get warm. Down here, it's just bloody freezing.\n\nChannel 0: Oh, I bet it is. I bet it is. We're still\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: I'm I'm still in\n\nChannel 0: 20\n\nChannel 1: shorts, though.\n\nChannel 0: degrees. I'm\n\nChannel 1: So\n\nChannel 0: happy with that. Oh, nice.\n\nChannel 1: I'm still wearing shorts even though it's, like,\n\nChannel 0: Yeah.\n\nChannel 1: currently well, it's 19 degrees in the house, but I think outside is about 12.\n\nChannel 0: Yep. Yeah. Nice.\n\nChannel 1: We'll\n\nChannel 0: Oh,\n\nChannel 1: be fine. You get\n\nChannel 0: we'll\n\nChannel 1: used to\n\nChannel 0: get\n\nChannel 1: it.\n\nChannel 0: through that winter. Yeah. Absolutely. Apartmentizing.\n\nChannel 1: Yes. Thank you so\n\nChannel 0: All\n\nChannel 1: much for\n\nChannel 0: good.\n\nChannel 1: your time, Dana.\n\nChannel 0: My pleasure. It's been a pleasure putting this together for you. Again, if there's any questions, let me know. But I hope you have a wonderful day, and thank you for calling me back. I appreciate your time.\n\nChannel 1: No worries. Thank you, Dana. Talk soon.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":2.08,"end":2.98,"sentiment":"neutral","sentiment_score":0.08931980654597282}],"sentiment":"neutral","sentiment_score":0.08931980654597282,"channel":0,"num_words":2,"start":2.08,"end":2.98},{"sentences":[{"text":"Hey.","start":3.04,"end":3.28,"sentiment":"neutral","sentiment_score":0.0702093243598938},{"text":"Hey, Dana.","start":3.28,"end":4.08,"sentiment":"neutral","sentiment_score":0.11566628515720367},{"text":"I've got Elise on the phone.","start":4.08,"end":5.62,"sentiment":"neutral","sentiment_score":0.17625421037276587}],"sentiment":"neutral","sentiment_score":0.15100746187898847,"channel":1,"num_words":9,"start":3.04,"end":5.62},{"sentences":[{"text":"Oh, perfect.","start":6.0,"end":6.64,"sentiment":"positive","sentiment_score":0.7085868418216705},{"text":"I was just sending a text message out to her.","start":6.64,"end":8.639999,"sentiment":"positive","sentiment_score":0.44839938879013064},{"text":"Easy.","start":8.639999,"end":9.139999,"sentiment":"positive","sentiment_score":0.7207174301147461}],"sentiment":"positive","sentiment_score":0.5093757693584149,"channel":0,"num_words":13,"start":6.0,"end":9.139999},{"sentences":[{"text":"Beautiful.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.7943560481071472},{"text":"Let me know when you're ready for me to transfer her through.","start":10.32,"end":12.74,"sentiment":"positive","sentiment_score":0.4374896635611852}],"sentiment":"positive","sentiment_score":0.4649409239108746,"channel":1,"num_words":13,"start":9.679999,"end":12.74},{"sentences":[{"text":"Yeah.","start":12.905,"end":13.145,"sentiment":"neutral","sentiment_score":0.1946382224559784},{"text":"Whenever you're ready.","start":13.145,"end":14.025,"sentiment":"neutral","sentiment_score":0.2172012279431025},{"text":"Thank you so much.","start":14.025,"end":15.245,"sentiment":"positive","sentiment_score":0.7074387222528458}],"sentiment":"positive","sentiment_score":0.4594995994120836,"channel":0,"num_words":8,"start":12.905,"end":15.245},{"sentences":[{"text":"Not a problem.","start":15.494999,"end":16.215,"sentiment":"neutral","sentiment_score":0.26095515489578247},{"text":"You got her in 321.","start":16.215,"end":18.074999,"sentiment":"neutral","sentiment_score":0.13440695255994797}],"sentiment":"neutral","sentiment_score":0.1818625284358859,"channel":1,"num_words":8,"start":15.494999,"end":18.074999},{"sentences":[{"text":"Thanks.","start":18.425,"end":18.925,"sentiment":"positive","sentiment_score":0.3435959219932556},{"text":"Oh, hi.","start":19.465,"end":19.945,"sentiment":"neutral","sentiment_score":0.16691473126411438},{"text":"This is Dana.","start":19.945,"end":20.825,"sentiment":"neutral","sentiment_score":0.19066608945528665},{"text":"How are you?","start":20.825,"end":21.724998,"sentiment":"neutral","sentiment_score":0.20841389894485474}],"sentiment":"neutral","sentiment_score":0.20829614996910095,"channel":0,"num_words":9,"start":18.425,"end":21.724998},{"sentences":[{"text":"Good.","start":22.294998,"end":22.454998,"sentiment":"positive","sentiment_score":0.37563765048980713},{"text":"Thanks, Diana.","start":22.454998,"end":23.175,"sentiment":"positive","sentiment_score":0.44744913280010223},{"text":"Sorry I missed you.","start":23.175,"end":24.314999,"sentiment":"neutral","sentiment_score":0.15611773170530796}],"sentiment":"neutral","sentiment_score":0.2707152632730348,"channel":1,"num_words":7,"start":22.294998,"end":24.314999},{"sentences":[{"text":"That's absolutely fine.","start":25.08,"end":26.6,"sentiment":"positive","sentiment_score":0.5093592206637064},{"text":"It's not a problem at all.","start":26.6,"end":28.04,"sentiment":"positive","sentiment_score":0.4116836835940679},{"text":"I had to just book in to go through your statement of advice.","start":28.04,"end":31.0,"sentiment":"neutral","sentiment_score":0.23916134582116053},{"text":"Is now still a good time there for you?","start":31.0,"end":32.94,"sentiment":"neutral","sentiment_score":0.18558530840608808}],"sentiment":"neutral","sentiment_score":0.2831466140285615,"channel":0,"num_words":31,"start":25.08,"end":32.94},{"sentences":[{"text":"Yes.","start":32.829998,"end":33.309998,"sentiment":"neutral","sentiment_score":0.07417912781238556},{"text":"Yes.","start":33.309998,"end":33.79,"sentiment":"neutral","sentiment_score":0.0691816508769989},{"text":"I'm sorry.","start":33.79,"end":34.45,"sentiment":"neutral","sentiment_score":0.06918683834373951}],"sentiment":"neutral","sentiment_score":0.07043361384421587,"channel":1,"num_words":4,"start":32.829998,"end":34.45},{"sentences":[{"text":"Fantastic.","start":35.64,"end":36.14,"sentiment":"positive","sentiment_score":0.3624324500560761},{"text":"Do you happen to have access to your email at the moment at all?","start":36.92,"end":40.06,"sentiment":"neutral","sentiment_score":0.08934694874499526}],"sentiment":"neutral","sentiment_score":0.10755264883240064,"channel":0,"num_words":15,"start":35.64,"end":40.06},{"sentences":[{"text":"No.","start":41.735,"end":41.975,"sentiment":"neutral","sentiment_score":-0.05640076473355293},{"text":"I am driving.","start":41.975,"end":42.715,"sentiment":"neutral","sentiment_score":-0.05115644137064616},{"text":"But I'll be","start":43.094997,"end":43.735,"sentiment":"neutral","sentiment_score":-0.025977094968159992}],"sentiment":"neutral","sentiment_score":-0.04111448196428163,"channel":1,"num_words":7,"start":41.735,"end":43.735},{"sentences":[{"text":"Oh, no.","start":43.615,"end":44.015,"sentiment":"neutral","sentiment_score":-0.057707417756319046},{"text":"That's it.","start":44.015,"end":44.915,"sentiment":"neutral","sentiment_score":-0.07748772203922272}],"sentiment":"neutral","sentiment_score":-0.06759756989777088,"channel":0,"num_words":4,"start":43.615,"end":44.915},{"sentences":[{"text":"I'm only driving for twenty","start":45.094997,"end":46.375,"sentiment":"neutral","sentiment_score":-0.061707106232643125}],"sentiment":"neutral","sentiment_score":-0.061707106232643125,"channel":1,"num_words":5,"start":45.094997,"end":46.375},{"sentences":[{"text":"Go","start":46.335,"end":46.575,"sentiment":"neutral","sentiment_score":-0.0482955127954483}],"sentiment":"neutral","sentiment_score":-0.0482955127954483,"channel":0,"num_words":1,"start":46.335,"end":46.575},{"sentences":[{"text":"minutes.","start":46.375,"end":46.875,"sentiment":"neutral","sentiment_score":-0.040085580199956894}],"sentiment":"neutral","sentiment_score":-0.040085580199956894,"channel":1,"num_words":1,"start":46.375,"end":46.875},{"sentences":[{"text":"ahead.","start":46.575,"end":47.075,"sentiment":"neutral","sentiment_score":-0.020696032792329788},{"text":"Oh, that's okay.","start":47.615,"end":48.675,"sentiment":"neutral","sentiment_score":0.021325121633708477},{"text":"Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together?","start":49.055,"end":54.415,"sentiment":"neutral","sentiment_score":0.007832743227481842},{"text":"What's more preferable to you?","start":54.415,"end":56.275,"sentiment":"neutral","sentiment_score":-0.004824494570493698}],"sentiment":"neutral","sentiment_score":0.006610413946743522,"channel":0,"num_words":42,"start":46.575,"end":56.275},{"sentences":[{"text":"Yeah.","start":56.719997,"end":56.879997,"sentiment":"neutral","sentiment_score":0.05223806202411651},{"text":"You can run through it.","start":56.879997,"end":57.76,"sentiment":"neutral","sentiment_score":0.0495514165610075},{"text":"I can read it back once I get to the computer.","start":57.76,"end":60.34,"sentiment":"neutral","sentiment_score":0.06319669837301428}],"sentiment":"neutral","sentiment_score":0.05853875452543006,"channel":1,"num_words":17,"start":56.719997,"end":60.34},{"sentences":[{"text":"Yeah.","start":61.190002,"end":61.59,"sentiment":"neutral","sentiment_score":0.0772659108042717},{"text":"No.","start":61.59,"end":61.83,"sentiment":"neutral","sentiment_score":0.10558320581912994},{"text":"Not a problem at all.","start":61.83,"end":62.79,"sentiment":"neutral","sentiment_score":0.16430090069770814},{"text":"So what I'll do is I'll email this one through to you so it is in your emails when you do get there.","start":62.79,"end":67.21,"sentiment":"neutral","sentiment_score":0.1577211816025817},{"text":"And","start":67.91,"end":68.23,"sentiment":"neutral","sentiment_score":0.09848766028881072}],"sentiment":"neutral","sentiment_score":0.15259446636323007,"channel":0,"num_words":31,"start":61.190002,"end":68.23},{"sentences":[{"text":"Yep.","start":67.92,"end":68.42,"sentiment":"neutral","sentiment_score":0.08766792714595795}],"sentiment":"neutral","sentiment_score":0.08766792714595795,"channel":1,"num_words":1,"start":67.92,"end":68.42},{"sentences":[{"text":"then, oh, sorry.","start":68.23,"end":70.265,"sentiment":"neutral","sentiment_score":0.04293024664123853},{"text":"It's saying there's an error.","start":70.265,"end":71.384995,"sentiment":"neutral","sentiment_score":-0.04861895963549614},{"text":"I'll get that sorted.","start":71.384995,"end":72.265,"sentiment":"neutral","sentiment_score":0.023763403296470642},{"text":"I'll email it through to you shortly.","start":72.265,"end":73.384995,"sentiment":"neutral","sentiment_score":0.17192559369972774},{"text":"That way, it's there when you do happen to get home and do have some time to read it through this afternoon.","start":73.384995,"end":77.564995,"sentiment":"neutral","sentiment_score":0.15479303828694604}],"sentiment":"neutral","sentiment_score":0.1119433061742201,"channel":0,"num_words":41,"start":68.23,"end":77.564995},{"sentences":[{"text":"In the","start":78.185,"end":78.505,"sentiment":"neutral","sentiment_score":0.08409318327903748}],"sentiment":"neutral","sentiment_score":0.08409318327903748,"channel":0,"num_words":2,"start":78.185,"end":78.505},{"sentences":[{"text":"Yep.","start":78.465004,"end":78.965004,"sentiment":"neutral","sentiment_score":0.08148238062858582}],"sentiment":"neutral","sentiment_score":0.08148238062858582,"channel":1,"num_words":1,"start":78.465004,"end":78.965004},{"sentences":[{"text":"meantime, I'll just run through the advice there for you, give you an update of what the recommendations are.","start":78.505,"end":83.405,"sentiment":"neutral","sentiment_score":0.1514919553148119},{"text":"If you happen to have any questions through the call, just let me know.","start":83.91,"end":87.93,"sentiment":"neutral","sentiment_score":0.11327467965228218},{"text":"Okay?","start":87.99,"end":88.49,"sentiment":"neutral","sentiment_score":0.1061285212635994}],"sentiment":"neutral","sentiment_score":0.13442121139344046,"channel":0,"num_words":34,"start":78.505,"end":88.49},{"sentences":[{"text":"Yep.","start":88.53,"end":89.03,"sentiment":"neutral","sentiment_score":0.1529947817325592},{"text":"Sounds good.","start":89.409996,"end":90.229996,"sentiment":"positive","sentiment_score":0.4410363584756851}],"sentiment":"positive","sentiment_score":0.3450224995613098,"channel":1,"num_words":3,"start":88.53,"end":90.229996},{"sentences":[{"text":"Fantastic.","start":90.07,"end":90.57,"sentiment":"positive","sentiment_score":0.5240010619163513},{"text":"So, Elise, on the front of the document, when you are looking at it, you'll note it does have the statement of advice prepared for yourself as of the 03/18/2026.","start":92.63,"end":101.215,"sentiment":"neutral","sentiment_score":0.18350816996147234},{"text":"Our advice documents are valid for sixty days from the date on the front of the document there, and it has been prepared by my lovely team here at Oakview Financial.","start":101.595,"end":109.755,"sentiment":"neutral","sentiment_score":0.1556078736339846},{"text":"And my authorized representative number for you is 1304394.","start":109.755,"end":114.35,"sentiment":"neutral","sentiment_score":0.11539676288763683},{"text":"Okay?","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":0.08592565357685089}],"sentiment":"neutral","sentiment_score":0.16635537170805037,"channel":0,"num_words":72,"start":90.07,"end":114.85},{"sentences":[{"text":"Yes.","start":116.06,"end":116.56,"sentiment":"neutral","sentiment_score":0.1782146692276001}],"sentiment":"neutral","sentiment_score":0.1782146692276001,"channel":1,"num_words":1,"start":116.06,"end":116.56},{"sentences":[{"text":"As you are running through, it does start by going through the best interest, Judy, just letting you know that any advice provided is provided under the best interest.","start":116.75,"end":124.03,"sentiment":"neutral","sentiment_score":0.26042361454717045},{"text":"So we go through the process we do of making sure we understand your goals, objectives, and what you're looking for with regard to financial 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wishes.","start":168.42001,"end":178.84001,"sentiment":"neutral","sentiment_score":0.15438023060560227},{"text":"Okay?","start":178.98001,"end":179.48001,"sentiment":"neutral","sentiment_score":0.05779974162578583}],"sentiment":"neutral","sentiment_score":0.15202460892316771,"channel":0,"num_words":41,"start":168.42001,"end":179.48001},{"sentences":[{"text":"Yep.","start":180.22,"end":180.72,"sentiment":"neutral","sentiment_score":0.014348864555358888}],"sentiment":"neutral","sentiment_score":0.014348864555358888,"channel":1,"num_words":1,"start":180.22,"end":180.72},{"sentences":[{"text":"Areas that we're not looking at in advice today is salary sacrifice.","start":181.895,"end":185.675,"sentiment":"neutral","sentiment_score":-0.14738881774246693},{"text":"So at the moment, not wanting to look at making any additional contributions to super.","start":185.815,"end":190.055,"sentiment":"neutral","sentiment_score":-0.1571658839782079},{"text":"However, it can be reassessed down the track 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they should be.","start":244.72499,"end":248.08499,"sentiment":"neutral","sentiment_score":-0.046929104826771297},{"text":"Have you managed to get any more word from your employer in relation to your contributions?","start":248.08499,"end":252.665,"sentiment":"neutral","sentiment_score":-0.008385225024539977}],"sentiment":"neutral","sentiment_score":-0.013951166057769132,"channel":0,"num_words":49,"start":236.17,"end":252.665},{"sentences":[{"text":"Yeah.","start":254.03,"end":254.34999,"sentiment":"neutral","sentiment_score":0.06192561239004135},{"text":"So, apparently, it's being paid in full, and it should clear by the end of 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platforms?","start":376.305,"end":382.965,"sentiment":"neutral","sentiment_score":0.0098658911511302},{"text":"Or","start":383.265,"end":383.505,"sentiment":"neutral","sentiment_score":-0.011461391113698484}],"sentiment":"neutral","sentiment_score":0.029709083922207356,"channel":0,"num_words":50,"start":368.97,"end":383.505},{"sentences":[{"text":"No.","start":384.145,"end":384.54498,"sentiment":"neutral","sentiment_score":-0.0603330060839653},{"text":"I haven't heard of him at all.","start":384.54498,"end":386.085,"sentiment":"neutral","sentiment_score":-0.04286424868873188}],"sentiment":"neutral","sentiment_score":-0.04504784336313605,"channel":1,"num_words":8,"start":384.145,"end":386.085},{"sentences":[{"text":"no.","start":386.545,"end":386.865,"sentiment":"neutral","sentiment_score":-0.03088686801493168},{"text":"That's okay.","start":386.865,"end":387.585,"sentiment":"neutral","sentiment_score":0.04624050483107567},{"text":"So Hub twenty four is an investor pro an investor platform.","start":387.585,"end":390.965,"sentiment":"neutral","sentiment_score":0.0899051387201656},{"text":"They do super accounts, pension accounts, and normal investment accounts as well.","start":391.56,"end":395.58002,"sentiment":"neutral","sentiment_score":0.11044956060747306},{"text":"Hub twenty four and other platforms like it, there's MyNorth, BT, Panorama.","start":395.96002,"end":400.06,"sentiment":"neutral","sentiment_score":0.12019735388457775}],"sentiment":"neutral","sentiment_score":0.10048193793351713,"channel":0,"num_words":38,"start":386.545,"end":400.06},{"sentences":[{"text":"There's lots of map there.","start":400.2,"end":401.72,"sentiment":"neutral","sentiment_score":0.1569283574819565},{"text":"We like them as advisers because they actually give us access to a lot more different investment options.","start":401.72,"end":406.44,"sentiment":"positive","sentiment_score":0.382580724855264},{"text":"So while plus Host Plus tends to give you access to just over 20 different investment options, Hub twenty four gives you access to 1,140 different investment options from here in Australia and overseas.","start":406.44,"end":418.305,"sentiment":"neutral","sentiment_score":0.22736038464833708},{"text":"That's looking at managed funds, exchange trader funds, and also, you know, individual shares as well.","start":418.925,"end":425.34003,"sentiment":"neutral","sentiment_score":0.17260738462209702},{"text":"So we can build portfolios that are working harder, but it also gives us access to alter and change those portfolios moving forward, which is really important.","start":425.34003,"end":433.44,"sentiment":"neutral","sentiment_score":0.2729990432659785}],"sentiment":"neutral","sentiment_score":0.2553404023498297,"channel":0,"num_words":100,"start":400.2,"end":433.44},{"sentences":[{"text":"Part of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now.","start":433.90002,"end":443.995,"sentiment":"neutral","sentiment_score":0.0050388116921697345},{"text":"Because what might be recommended initially in a couple of years might need to be altered and changed for you so that your super continues to work hard and grow on compound over time.","start":443.995,"end":453.96,"sentiment":"neutral","sentiment_score":-0.040044893236721266},{"text":"Okay?","start":454.02,"end":454.52,"sentiment":"neutral","sentiment_score":0.04863980412483215}],"sentiment":"neutral","sentiment_score":-0.016236116524253573,"channel":0,"num_words":70,"start":433.90002,"end":454.52},{"sentences":[{"text":"Yes.","start":455.44,"end":455.68002,"sentiment":"neutral","sentiment_score":0.08396334201097488},{"text":"That makes","start":455.68002,"end":456.42,"sentiment":"neutral","sentiment_score":0.07929421588778496}],"sentiment":"neutral","sentiment_score":0.0808505912621816,"channel":1,"num_words":3,"start":455.44,"end":456.42},{"sentences":[{"text":"Yeah.","start":457.38,"end":457.88,"sentiment":"neutral","sentiment_score":0.08022463321685791},{"text":"So with regard to Hub","start":458.18,"end":459.62,"sentiment":"neutral","sentiment_score":0.08216800838708878}],"sentiment":"neutral","sentiment_score":0.08184411252538364,"channel":0,"num_words":6,"start":457.38,"end":459.62},{"sentences":[{"text":"sense.","start":459.6,"end":460.1,"sentiment":"neutral","sentiment_score":0.08177153021097183}],"sentiment":"neutral","sentiment_score":0.08177153021097183,"channel":1,"num_words":1,"start":459.6,"end":460.1},{"sentences":[{"text":"'24, with regard to the change there, we'd be putting you into our growth investment.","start":459.62,"end":466.535,"sentiment":"neutral","sentiment_score":0.15742220828930537},{"text":"We increased that from 75% to the 82% invested there.","start":467.075,"end":471.155,"sentiment":"neutral","sentiment_score":0.256852887570858},{"text":"So you have more of those growth investments working harder for you, making your money work towards your goals.","start":471.155,"end":476.61502,"sentiment":"positive","sentiment_score":0.4046326452179959},{"text":"And then we're gonna decrease those defensive investments like cash and loans a little bit.","start":476.99,"end":481.15,"sentiment":"neutral","sentiment_score":0.08107878218094508},{"text":"So we're gonna go from 24.3% in defensive investments down to 18%.","start":481.15,"end":486.35,"sentiment":"neutral","sentiment_score":0.0670232197100466}],"sentiment":"neutral","sentiment_score":0.20816170583878243,"channel":0,"num_words":71,"start":459.62,"end":486.35},{"sentences":[{"text":"So you're taking a little bit more risk, but also wanting to increase those returns as well.","start":486.35,"end":490.995,"sentiment":"neutral","sentiment_score":0.17849500827929554},{"text":"The investment portfolio that was generated for you over the past five years has averaged about 10.9%.","start":491.475,"end":498.455,"sentiment":"neutral","sentiment_score":0.32712770823170156},{"text":"So, essentially, it has averaged about 3.34% more than what your current portfolio is averaging, which if it's compounded","start":498.675,"end":506.08,"sentiment":"neutral","sentiment_score":0.23798511491010063}],"sentiment":"neutral","sentiment_score":0.24749628988639363,"channel":0,"num_words":53,"start":486.35,"end":506.08},{"sentences":[{"text":"Yes.","start":505.63498,"end":506.13498,"sentiment":"positive","sentiment_score":0.4114574193954468}],"sentiment":"positive","sentiment_score":0.4114574193954468,"channel":1,"num_words":1,"start":505.63498,"end":506.13498},{"sentences":[{"text":"forward, can actually see you grow your super and provide a greater benefit.","start":506.13998,"end":510.56,"sentiment":"positive","sentiment_score":0.6507859894862542},{"text":"When we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years.","start":511.18,"end":522.255,"sentiment":"neutral","sentiment_score":0.19717854981621105},{"text":"Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time.","start":522.275,"end":528.915,"sentiment":"neutral","sentiment_score":0.20325460247695445},{"text":"So it does give you a greater benefit depending on how the market reacts.","start":528.915,"end":532.615,"sentiment":"neutral","sentiment_score":0.3182203375867435},{"text":"Okay?","start":532.835,"end":533.335,"sentiment":"neutral","sentiment_score":0.1372089684009552}],"sentiment":"neutral","sentiment_score":0.29529436028156525,"channel":0,"num_words":78,"start":506.13998,"end":533.335},{"sentences":[{"text":"Yes.","start":533.445,"end":533.945,"sentiment":"neutral","sentiment_score":0.2968007028102875}],"sentiment":"neutral","sentiment_score":0.2968007028102875,"channel":1,"num_words":1,"start":533.445,"end":533.945},{"sentences":[{"text":"Beautiful.","start":534.75,"end":535.25,"sentiment":"positive","sentiment_score":0.6224561929702759},{"text":"I have considered contributions going into the account because we do know your employer is supposed to pay them, and you were trying to get them in there.","start":535.31,"end":541.94995,"sentiment":"neutral","sentiment_score":0.27483886214239256},{"text":"And now they're going in.","start":541.94995,"end":543.14996,"sentiment":"neutral","sentiment_score":0.2859680473804474},{"text":"That is fantastic.","start":543.14996,"end":544.05,"sentiment":"positive","sentiment_score":0.8169040282567342},{"text":"We'll make sure to monitor and see them moving on a regular basis.","start":544.26996,"end":547.73,"sentiment":"positive","sentiment_score":0.4265538156032562}],"sentiment":"positive","sentiment_score":0.35487392514944077,"channel":0,"num_words":50,"start":534.75,"end":547.73},{"sentences":[{"text":"And with the legislation","start":548.075,"end":549.055,"sentiment":"neutral","sentiment_score":0.1060917116701603}],"sentiment":"neutral","sentiment_score":0.1060917116701603,"channel":0,"num_words":4,"start":548.075,"end":549.055},{"sentences":[{"text":"Yeah.","start":548.82996,"end":549.32996,"sentiment":"neutral","sentiment_score":0.14628024399280548}],"sentiment":"neutral","sentiment_score":0.14628024399280548,"channel":1,"num_words":1,"start":548.82996,"end":549.32996},{"sentences":[{"text":"changes coming into effect, your employer will need to make those contributions in line with your wages.","start":549.435,"end":554.875,"sentiment":"neutral","sentiment_score":0.2298690650392981},{"text":"So we'll have true dollar cost averaging, which means you'll be able to take advantage of the market ups and downs moving forward, which is fantastic.","start":554.875,"end":561.695,"sentiment":"positive","sentiment_score":0.49778042275172013},{"text":"Okay?","start":562.15497,"end":562.65497,"sentiment":"neutral","sentiment_score":0.21265238523483276}],"sentiment":"positive","sentiment_score":0.38778903369199147,"channel":0,"num_words":44,"start":549.435,"end":562.65497},{"sentences":[{"text":"Yes.","start":563.91504,"end":564.41504,"sentiment":"neutral","sentiment_score":0.10307863354682922}],"sentiment":"neutral","sentiment_score":0.10307863354682922,"channel":1,"num_words":1,"start":563.91504,"end":564.41504},{"sentences":[{"text":"Now Hostplus is a little bit more we it does cost a bit more administration fees, so we understand putting you into a retail platform does mean the administration fees are slightly higher.","start":564.69,"end":576.53,"sentiment":"neutral","sentiment_score":-0.03989684909130588},{"text":"So with your administration fees within Hub twenty four, it'll show you about $480 more for the first year.","start":576.53,"end":583.325,"sentiment":"neutral","sentiment_score":0.059193663691219534},{"text":"However, your investment fees are decreased by 563.","start":583.465,"end":587.645,"sentiment":"neutral","sentiment_score":0.04700657445937395},{"text":"So at the moment, in host plus, your investment fees are costing an average of about $848.","start":587.865,"end":594.82996,"sentiment":"neutral","sentiment_score":0.06993831584558767},{"text":"In Hub 24, we can reduce those investment fees down to 285.","start":595.05,"end":599.45,"sentiment":"neutral","sentiment_score":0.13302030228078365}],"sentiment":"neutral","sentiment_score":0.03336327171392655,"channel":0,"num_words":89,"start":564.69,"end":599.45},{"sentences":[{"text":"So whilst your admin fees go up a little bit by utilizing this platform, this sophisticated platform, your investment fees actually decrease, which is actually gonna save you overall at the end of the day.","start":599.45,"end":611.405,"sentiment":"neutral","sentiment_score":0.3176321595907211},{"text":"Okay?","start":611.465,"end":611.965,"sentiment":"neutral","sentiment_score":0.153478741645813}],"sentiment":"neutral","sentiment_score":0.3130723424255848,"channel":0,"num_words":36,"start":599.45,"end":611.965},{"sentences":[{"text":"Yeah.","start":611.48,"end":611.98,"sentiment":"neutral","sentiment_score":0.20435428619384768},{"text":"Yeah.","start":612.2,"end":612.44,"sentiment":"neutral","sentiment_score":0.2500428557395935},{"text":"That will.","start":612.44,"end":613.1,"sentiment":"positive","sentiment_score":0.4153842180967331}],"sentiment":"neutral","sentiment_score":0.32129139453172684,"channel":1,"num_words":4,"start":611.48,"end":613.1},{"sentences":[{"text":"Perfect.","start":613.78503,"end":614.28503,"sentiment":"neutral","sentiment_score":0.06175463646650314},{"text":"As I mentioned, the growth portfolio will put you in, see if you're taking on a little bit more risk there, but also making sure your funds are working harder, and the five year rolling average return has provided a greater level of return, which is important.","start":615.385,"end":626.58,"sentiment":"neutral","sentiment_score":0.2940796019232019},{"text":"One of the things we did also talk about was the fee structure.","start":627.36,"end":630.56,"sentiment":"neutral","sentiment_score":0.1957749346127877},{"text":"So by coming on board with O.","start":630.56,"end":632.24,"sentiment":"positive","sentiment_score":0.34034016728401184},{"text":"T.","start":632.24,"end":632.4,"sentiment":"neutral","sentiment_score":0.1564728617668152}],"sentiment":"neutral","sentiment_score":0.2748902044866396,"channel":0,"num_words":69,"start":613.78503,"end":632.4},{"sentences":[{"text":"Financial, everything we do up until the point you decide to come on board is completely complimentary.","start":632.4,"end":637.995,"sentiment":"positive","sentiment_score":0.3807264364817563},{"text":"If you decide to take on the recommendation to come on board with us, we do charge an implementation fee for running through the implementation of the advice and the cost of providing the advice as well.","start":638.775,"end":649.03503,"sentiment":"neutral","sentiment_score":0.3062448328411257},{"text":"That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document.","start":649.58997,"end":659.93,"sentiment":"neutral","sentiment_score":0.19626313499335585},{"text":"It's 3.3%, and it's capped at balances of 150,000.","start":660.63,"end":664.90497,"sentiment":"neutral","sentiment_score":0.17539426353242663},{"text":"So it shows you in here.","start":665.365,"end":666.885,"sentiment":"neutral","sentiment_score":0.24179036170244217}],"sentiment":"neutral","sentiment_score":0.2706564254298502,"channel":0,"num_words":98,"start":632.4,"end":666.885},{"sentences":[{"text":"And how that essentially works is with the implementation, we'll open up your super account.","start":666.885,"end":671.125,"sentiment":"neutral","sentiment_score":0.27877637147903445},{"text":"We'll roll the funds from Post Plus into Hub 24.","start":671.125,"end":674.185,"sentiment":"neutral","sentiment_score":0.22975098639726638},{"text":"As soon as the funds hit the account, we deduct that fee of $2,614.","start":674.325,"end":679.625,"sentiment":"neutral","sentiment_score":0.26413014211824964},{"text":"Then we have the funds invested for you, and then it starts to make that money back nice and quick.","start":679.79004,"end":684.75,"sentiment":"positive","sentiment_score":0.5075495913624763},{"text":"Does that make sense?","start":684.75,"end":685.89,"sentiment":"neutral","sentiment_score":0.2213718593120575}],"sentiment":"positive","sentiment_score":0.33672153476684813,"channel":0,"num_words":63,"start":666.885,"end":685.89},{"sentences":[{"text":"Yeah.","start":686.95,"end":687.27,"sentiment":"neutral","sentiment_score":0.08267015963792801},{"text":"My only question around that is,","start":687.27,"end":689.21,"sentiment":"neutral","sentiment_score":-0.10087290530403455}],"sentiment":"neutral","sentiment_score":-0.07465246745518275,"channel":1,"num_words":7,"start":686.95,"end":689.21},{"sentences":[{"text":"Sure.","start":689.63,"end":690.13,"sentiment":"neutral","sentiment_score":-0.08454576134681702}],"sentiment":"neutral","sentiment_score":-0.08454576134681702,"channel":0,"num_words":1,"start":689.63,"end":690.13},{"sentences":[{"text":"obviously, we're super outstanding from two employers currently.","start":690.15,"end":693.85004,"sentiment":"neutral","sentiment_score":-0.1638928148895502}],"sentiment":"neutral","sentiment_score":-0.1638928148895502,"channel":1,"num_words":8,"start":690.15,"end":693.85004},{"sentences":[{"text":"Mhmm.","start":694.15497,"end":694.65497,"sentiment":"neutral","sentiment_score":-0.060544513165950775}],"sentiment":"neutral","sentiment_score":-0.060544513165950775,"channel":0,"num_words":1,"start":694.15497,"end":694.65497},{"sentences":[{"text":"When you close that Hostplus account, how does that super get found to be into the correct account?","start":695.75,"end":702.72504,"sentiment":"neutral","sentiment_score":-0.13715968860520256},{"text":"Like, is there a way that it doesn't get go into the ether or gets put into the correct","start":702.945,"end":709.56,"sentiment":"neutral","sentiment_score":-0.1138841288262292}],"sentiment":"neutral","sentiment_score":-0.12520737412410812,"channel":1,"num_words":37,"start":695.75,"end":709.56},{"sentences":[{"text":"Yeah.","start":710.64996,"end":711.14996,"sentiment":"neutral","sentiment_score":0.09775389730930328},{"text":"So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive","start":711.29,"end":717.37,"sentiment":"neutral","sentiment_score":0.10203935249763377}],"sentiment":"neutral","sentiment_score":0.10180127165383762,"channel":0,"num_words":18,"start":710.64996,"end":717.37},{"sentences":[{"text":"account.","start":717.08,"end":717.58,"sentiment":"neutral","sentiment_score":0.09013459086418152}],"sentiment":"neutral","sentiment_score":0.09013459086418152,"channel":1,"num_words":1,"start":717.08,"end":717.58},{"sentences":[{"text":"money from past employers, they will just reopen the account, and we'll be able 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notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you.","start":757.305,"end":762.9,"sentiment":"neutral","sentiment_score":0.17532846213955627}],"sentiment":"neutral","sentiment_score":0.12057850477544384,"channel":0,"num_words":144,"start":717.37,"end":762.9},{"sentences":[{"text":"But if","start":763.14,"end":763.78,"sentiment":"neutral","sentiment_score":0.07301017642021179}],"sentiment":"neutral","sentiment_score":0.07301017642021179,"channel":0,"num_words":2,"start":763.14,"end":763.78},{"sentences":[{"text":"Yes.","start":763.675,"end":764.04,"sentiment":"neutral","sentiment_score":0.07996110618114471}],"sentiment":"neutral","sentiment_score":0.07996110618114471,"channel":1,"num_words":1,"start":763.675,"end":764.04},{"sentences":[{"text":"the ATO collect the funds, they'll look for your open account because they'll have a record of it, and they'll be able to deposit that into the Hub twenty four account for you as 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sense.","start":807.765,"end":808.745,"sentiment":"neutral","sentiment_score":0.21281551818052927}],"sentiment":"neutral","sentiment_score":0.17999553233385085,"channel":1,"num_words":5,"start":806.98,"end":808.745},{"sentences":[{"text":"Yeah.","start":808.825,"end":809.325,"sentiment":"neutral","sentiment_score":0.26716065406799316},{"text":"Easy.","start":809.465,"end":809.965,"sentiment":"neutral","sentiment_score":0.310039222240448},{"text":"Either way, we'll make sure we help you with that.","start":810.025,"end":812.185,"sentiment":"neutral","sentiment_score":0.331386636197567},{"text":"It's not a problem at all.","start":812.185,"end":813.465,"sentiment":"positive","sentiment_score":0.335388720035553},{"text":"We're pretty well versed in making sure we find money.","start":813.465,"end":817.005,"sentiment":"neutral","sentiment_score":0.2811859682202339}],"sentiment":"neutral","sentiment_score":0.3112592228821346,"channel":0,"num_words":28,"start":808.825,"end":817.005},{"sentences":[{"text":"Part of that process is if you come on board as well, we always do a lot super search for you.","start":817.22504,"end":821.79004,"sentiment":"neutral","sentiment_score":0.24320496973537264},{"text":"So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well.","start":821.79004,"end":840.22504,"sentiment":"neutral","sentiment_score":0.16196084353658888},{"text":"So as part of our process, we'll make sure that lost super search is done for you as well.","start":840.22504,"end":844.965,"sentiment":"neutral","sentiment_score":0.16567540717752358},{"text":"Okay?","start":845.025,"end":845.525,"sentiment":"neutral","sentiment_score":0.15629206597805023}],"sentiment":"neutral","sentiment_score":0.17763371594184268,"channel":0,"num_words":113,"start":817.22504,"end":845.525},{"sentences":[{"text":"Yep.","start":845.795,"end":846.19495,"sentiment":"neutral","sentiment_score":0.2288077473640442},{"text":"Sounds good.","start":846.19495,"end":847.01495,"sentiment":"positive","sentiment_score":0.6267108023166656}],"sentiment":"positive","sentiment_score":0.4940764506657918,"channel":1,"num_words":3,"start":845.795,"end":847.01495},{"sentences":[{"text":"Beautiful.","start":847.70996,"end":848.20996,"sentiment":"positive","sentiment_score":0.6340658664703369},{"text":"So that's the implementation fee.","start":849.31,"end":851.14996,"sentiment":"neutral","sentiment_score":0.09054792746901512},{"text":"As I said, it's only charged if you do decide to come on board.","start":851.14996,"end":853.94995,"sentiment":"neutral","sentiment_score":0.11326101209436144},{"text":"It's a one off fee for this advice document.","start":853.94995,"end":856.29,"sentiment":"neutral","sentiment_score":0.1918446645140648},{"text":"We do provide ongoing advice and support to you at no additional charge with regards to that.","start":856.75,"end":861.665,"sentiment":"positive","sentiment_score":0.4438526981017169}],"sentiment":"neutral","sentiment_score":0.2596642939454835,"channel":0,"num_words":46,"start":847.70996,"end":861.665},{"sentences":[{"text":"We never charge this implementation fee ever again for any advice that you provide.","start":861.665,"end":865.605,"sentiment":"neutral","sentiment_score":0.27992131241730284},{"text":"The other fee that we do like to disclose or have to disclose is the ongoing service fee.","start":867.025,"end":871.265,"sentiment":"neutral","sentiment_score":0.06946860005458196},{"text":"So by coming on board with us, you will pay an ongoing service fee.","start":871.265,"end":875.04,"sentiment":"neutral","sentiment_score":0.1644187340778964},{"text":"Because Reese is already a client with us, it is reduced to 1.1% for yourself.","start":875.51996,"end":880.66,"sentiment":"neutral","sentiment_score":0.2551339368025462},{"text":"And if you decide to come on board, we'll also reduce that for Reese as well to reduce his fees.","start":880.72,"end":885.54,"sentiment":"neutral","sentiment_score":0.2528591826558113}],"sentiment":"neutral","sentiment_score":0.20191837230950227,"channel":0,"num_words":81,"start":861.665,"end":885.54},{"sentences":[{"text":"Essentially,","start":886.32,"end":886.82,"sentiment":"neutral","sentiment_score":0.07579003274440765}],"sentiment":"neutral","sentiment_score":0.07579003274440765,"channel":0,"num_words":1,"start":886.32,"end":886.82},{"sentences":[{"text":"Yeah.","start":886.44,"end":886.845,"sentiment":"neutral","sentiment_score":0.11398984491825104}],"sentiment":"neutral","sentiment_score":0.11398984491825104,"channel":1,"num_words":1,"start":886.44,"end":886.845},{"sentences":[{"text":"you'll see in the advice document here, we estimate for the first year based on your balance, the fee to be $892, and that's essentially it's 1.1% on a yearly basis.","start":886.95996,"end":899.045,"sentiment":"neutral","sentiment_score":0.1255770763081889},{"text":"And the way the ongoing service fee works is it is deducted in smaller monthly increments on a regular basis.","start":899.105,"end":904.62,"sentiment":"neutral","sentiment_score":0.12886115424335004},{"text":"So you pay a smaller amount each month, and it just kinda adds up to the 1.1 at the end of the year.","start":904.7,"end":910.24,"sentiment":"neutral","sentiment_score":0.16808083783025327},{"text":"We also cap our fee currently at 600,000.","start":910.54,"end":913.18,"sentiment":"neutral","sentiment_score":0.07507389597594738},{"text":"So if we can get your balance up to that million dollar mark, we don't charge 1.1 percent on a million dollars.","start":913.18,"end":918.46,"sentiment":"neutral","sentiment_score":0.14878139560195533}],"sentiment":"neutral","sentiment_score":0.13663224607276228,"channel":0,"num_words":104,"start":886.95996,"end":918.46},{"sentences":[{"text":"We cap that at 600,000 for you as well.","start":918.46,"end":921.15497,"sentiment":"neutral","sentiment_score":0.1571416606505712},{"text":"Okay?","start":921.15497,"end":921.65497,"sentiment":"neutral","sentiment_score":0.1078713834285736}],"sentiment":"neutral","sentiment_score":0.15221463292837142,"channel":0,"num_words":10,"start":918.46,"end":921.65497},{"sentences":[{"text":"Okay.","start":921.995,"end":922.495,"sentiment":"neutral","sentiment_score":0.28851884603500366}],"sentiment":"neutral","sentiment_score":0.28851884603500366,"channel":1,"num_words":1,"start":921.995,"end":922.495},{"sentences":[{"text":"Beautiful.","start":923.39496,"end":923.89496,"sentiment":"positive","sentiment_score":0.6339603662490845},{"text":"We've also got at the moment, you've got some insurances in your fund there as well.","start":925.075,"end":929.39496,"sentiment":"neutral","sentiment_score":0.22439841646701097},{"text":"I'll go to those shortly as well.","start":929.39496,"end":931.255,"sentiment":"neutral","sentiment_score":0.19005484879016876},{"text":"The other thing I kinda just wanted to point out was just giving you a quick run through of the investments there.","start":931.875,"end":937.4,"sentiment":"neutral","sentiment_score":0.10116644914854657},{"text":"I know you're not looking at the documents, so it can be a bit a lot to go through with the investments.","start":937.4,"end":942.14,"sentiment":"neutral","sentiment_score":-0.016549168493260036}],"sentiment":"neutral","sentiment_score":0.10906322273042272,"channel":0,"num_words":68,"start":923.39496,"end":942.14},{"sentences":[{"text":"But, essentially, once we remove your funds out of hub twenty four, you'll see your money distributed across a diversified portfolio, which includes access and exposure to cybersecurity.","start":942.28,"end":953.125,"sentiment":"neutral","sentiment_score":0.06019628620041268},{"text":"So areas like India, The US, we're also looking at Australian equity as well with Afiniti.","start":954.065,"end":961.20496,"sentiment":"neutral","sentiment_score":0.12802389450371265},{"text":"One of the things that you and I talked about was whether you wanted to see any active management in your portfolio, and you wanted to give that active management a go for the first year or two to see how that would perform.","start":961.72,"end":971.9,"sentiment":"neutral","sentiment_score":0.16769680939614773},{"text":"So we're looking at Afiniti Australian Fairs.","start":972.27997,"end":974.895,"sentiment":"neutral","sentiment_score":0.05124497679727418},{"text":"Affinity are an active investment manager, and they tend to have between 20 to sorry.","start":975.135,"end":979.85504,"sentiment":"neutral","sentiment_score":0.07641319011648497}],"sentiment":"neutral","sentiment_score":0.11470409662208773,"channel":0,"num_words":110,"start":942.28,"end":979.85504},{"sentences":[{"text":"20 to 35 different investments within their portfolio, and they're trying to outperform against the market.","start":979.85504,"end":986.255,"sentiment":"neutral","sentiment_score":0.130167803959921},{"text":"So we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis.","start":986.255,"end":999.12,"sentiment":"neutral","sentiment_score":0.16797834162305042},{"text":"If at any point we feel that's no longer performing, it's not doing what it's supposed to, we'll look to replace that for you down the track.","start":999.42,"end":1006.235,"sentiment":"neutral","sentiment_score":-0.09634812562553971},{"text":"Okay?","start":1006.235,"end":1006.735,"sentiment":"neutral","sentiment_score":0.07549437880516052}],"sentiment":"neutral","sentiment_score":0.07581049243316931,"channel":0,"num_words":85,"start":979.85504,"end":1006.735},{"sentences":[{"text":"Sounds good.","start":1007.655,"end":1008.395,"sentiment":"positive","sentiment_score":0.5128117203712463}],"sentiment":"positive","sentiment_score":0.5128117203712463,"channel":1,"num_words":2,"start":1007.655,"end":1008.395},{"sentences":[{"text":"Beautiful.","start":1009.115,"end":1009.615,"sentiment":"positive","sentiment_score":0.5835402011871338},{"text":"But your portfolio also will give you exposure to global health care.","start":1010.155,"end":1013.935,"sentiment":"neutral","sentiment_score":0.2441058630744616},{"text":"We've got the RAFI Australian 200 to giving you access to some of the top 200 companies on the Australian share market as well as the Aufiniti exposure.","start":1014.075,"end":1022.63995,"sentiment":"neutral","sentiment_score":0.18975279001252993},{"text":"We've got the JPMorgan Global Enhanced Research Fund.","start":1023.25995,"end":1026.5399,"sentiment":"neutral","sentiment_score":0.15341907553374767},{"text":"Essentially, JPMorgan and their research team look at areas growth globally and try to invest in areas where we see or where they see potential growth.","start":1026.5399,"end":1036.895,"sentiment":"neutral","sentiment_score":0.1336424657358573}],"sentiment":"neutral","sentiment_score":0.18037260522445042,"channel":0,"num_words":75,"start":1009.115,"end":1036.895},{"sentences":[{"text":"And global exposure is really important for diversification.","start":1036.955,"end":1039.6951,"sentiment":"neutral","sentiment_score":0.10276636481285095},{"text":"Ultimately, diversification is the best form of risk management, so we try to make sure we're diversifying across many different asset classes as well as industries and countries as well.","start":1040.555,"end":1052.0,"sentiment":"neutral","sentiment_score":0.16135332410534223},{"text":"Okay?","start":1052.2201,"end":1052.7201,"sentiment":"neutral","sentiment_score":0.10452675819396973}],"sentiment":"neutral","sentiment_score":0.14787839486812934,"channel":0,"num_words":39,"start":1036.955,"end":1052.7201},{"sentences":[{"text":"Yep.","start":1053.57,"end":1054.005,"sentiment":"neutral","sentiment_score":0.1755850613117218}],"sentiment":"neutral","sentiment_score":0.1755850613117218,"channel":1,"num_words":1,"start":1053.57,"end":1054.005},{"sentences":[{"text":"And then you'll also see your funds diversified across having some fixed interest in there, so core composite bonds, and also some high yield interest accounts as well, which is quite good.","start":1054.54,"end":1065.635,"sentiment":"neutral","sentiment_score":0.3199516492895782},{"text":"And then we've also got some physical gold in there because having commodities is a fantastic asset, and also some cybersecurity in there for you as well because there is a growth area moving forward down the track.","start":1065.635,"end":1077.55,"sentiment":"positive","sentiment_score":0.3474176169226044},{"text":"So have a look at the investments.","start":1077.55,"end":1079.65,"sentiment":"neutral","sentiment_score":0.09599546023777553},{"text":"I've just kinda gone through them a little bit basically for you because so what to kinda go into each one individually when you're not looking at the document.","start":1079.79,"end":1086.385,"sentiment":"neutral","sentiment_score":0.09461104445930185},{"text":"But if you have any questions about any of those investments, you're welcome to let me know.","start":1086.385,"end":1090.725,"sentiment":"neutral","sentiment_score":0.15843284612192826}],"sentiment":"neutral","sentiment_score":0.24023877329579213,"channel":0,"num_words":123,"start":1054.54,"end":1090.725},{"sentences":[{"text":"I'm more than happy to break it down and give you a bit more detail.","start":1090.945,"end":1094.065,"sentiment":"positive","sentiment_score":0.41836274464925133},{"text":"But do you have any questions so far at all?","start":1094.065,"end":1096.645,"sentiment":"neutral","sentiment_score":0.046910671330988404}],"sentiment":"neutral","sentiment_score":0.2697819153219461,"channel":0,"num_words":25,"start":1090.945,"end":1096.645},{"sentences":[{"text":"None.","start":1097.44,"end":1097.94,"sentiment":"neutral","sentiment_score":-0.020980913192033768},{"text":"None at all.","start":1098.0,"end":1098.7999,"sentiment":"neutral","sentiment_score":-0.011661029731233915},{"text":"Sounds","start":1098.7999,"end":1099.2,"sentiment":"neutral","sentiment_score":0.03767754137516022}],"sentiment":"neutral","sentiment_score":-0.003657292202115059,"channel":1,"num_words":5,"start":1097.44,"end":1099.2},{"sentences":[{"text":"Really?","start":1099.0,"end":1099.5,"sentiment":"neutral","sentiment_score":0.09766091406345367}],"sentiment":"neutral","sentiment_score":0.09766091406345367,"channel":0,"num_words":1,"start":1099.0,"end":1099.5},{"sentences":[{"text":"like it's pretty calculated.","start":1099.2,"end":1100.98,"sentiment":"neutral","sentiment_score":0.19340214878320694}],"sentiment":"neutral","sentiment_score":0.19340214878320694,"channel":1,"num_words":4,"start":1099.2,"end":1100.98},{"sentences":[{"text":"Yeah.","start":1102.12,"end":1102.62,"sentiment":"neutral","sentiment_score":0.30291688442230225},{"text":"Fantastic.","start":1103.16,"end":1103.66,"sentiment":"neutral","sentiment_score":0.1120978817343712},{"text":"With any supermom, we also do hold a certain amount of cash.","start":1105.08,"end":1108.28,"sentiment":"neutral","sentiment_score":0.1418325857569774},{"text":"We just try to make it a minimal amount of cash in the account, which covers essentially administration fees and things like that.","start":1108.28,"end":1114.715,"sentiment":"neutral","sentiment_score":0.14110696931248126},{"text":"So within HUD twenty four, you'll just need to take 1.25% cash in the account.","start":1114.855,"end":1119.355,"sentiment":"neutral","sentiment_score":0.1604113022486369}],"sentiment":"neutral","sentiment_score":0.14939683890686586,"channel":0,"num_words":52,"start":1102.12,"end":1119.355},{"sentences":[{"text":"It does work out you should have about $957 in the cash account there, but we monitor that for you.","start":1119.6549,"end":1125.69,"sentiment":"neutral","sentiment_score":0.23775218203663825},{"text":"And HubSpot me for you'll probably notice we'll do a regular once a month.","start":1125.9299,"end":1129.7699,"sentiment":"neutral","sentiment_score":0.27116925695112776},{"text":"They do, like, a cash management thing where they just, you know, buy and sell to make sure that a cash account is topped up to the correct amount.","start":1129.7699,"end":1136.4299,"sentiment":"neutral","sentiment_score":0.26025660284634294},{"text":"So you'll see that","start":1136.49,"end":1137.69,"sentiment":"neutral","sentiment_score":0.22515011206269264}],"sentiment":"neutral","sentiment_score":0.25372321147527266,"channel":0,"num_words":67,"start":1119.6549,"end":1137.69},{"sentences":[{"text":"Yep.","start":1137.545,"end":1138.045,"sentiment":"neutral","sentiment_score":0.19514945149421692}],"sentiment":"neutral","sentiment_score":0.19514945149421692,"channel":1,"num_words":1,"start":1137.545,"end":1138.045},{"sentences":[{"text":"in the document there as well.","start":1137.69,"end":1139.47,"sentiment":"neutral","sentiment_score":0.20223615070184073},{"text":"Okay?","start":1139.5299,"end":1140.0299,"sentiment":"neutral","sentiment_score":0.1591743528842926}],"sentiment":"neutral","sentiment_score":0.19608446529933385,"channel":0,"num_words":7,"start":1137.69,"end":1140.0299},{"sentences":[{"text":"Yep.","start":1141.065,"end":1141.565,"sentiment":"positive","sentiment_score":0.42998915910720825}],"sentiment":"positive","sentiment_score":0.42998915910720825,"channel":1,"num_words":1,"start":1141.065,"end":1141.565},{"sentences":[{"text":"Beautiful.","start":1142.085,"end":1142.585,"sentiment":"positive","sentiment_score":0.7057881355285645},{"text":"Now with the insurance side of things, at the moment within Hostplus, so you do have a bit of life and TBD.","start":1142.965,"end":1148.585,"sentiment":"neutral","sentiment_score":0.12110039270059629},{"text":"So you've got 229,160 of life and TBD cover.","start":1148.725,"end":1154.4249,"sentiment":"neutral","sentiment_score":0.06946051513983144},{"text":"We talked about wanting to make sure that if anything happens to you with life and TPD that the mortgage is essentially covered.","start":1154.79,"end":1160.9701,"sentiment":"neutral","sentiment_score":0.04618570759244587},{"text":"So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four.","start":1161.3501,"end":1169.6901,"sentiment":"neutral","sentiment_score":0.12968738339841365}],"sentiment":"neutral","sentiment_score":0.10201547138392925,"channel":0,"num_words":75,"start":1142.085,"end":1169.6901},{"sentences":[{"text":"The reason I'm recommending that we do transfer that to begin with is that we went through a bit did that pre assessment with you.","start":1169.955,"end":1177.1749,"sentiment":"neutral","sentiment_score":-0.002924923896789551},{"text":"With the pre assessment, having a look at the molds that were cut out, because of sort of what had happened, there is a risk that it could be a cancer exclusion on any new policies that we receive.","start":1177.715,"end":1189.19,"sentiment":"neutral","sentiment_score":-0.23102410386006036},{"text":"So I am making a recommendation that we apply for new cover, but to limit the risk of having exclusions on as much of your cover as possible, I also wanna transfer over the cover from host plus into hub 24.","start":1189.73,"end":1203.235,"sentiment":"neutral","sentiment_score":0.021118814080226714},{"text":"Essentially,","start":1203.375,"end":1203.875,"sentiment":"neutral","sentiment_score":0.12846964597702026}],"sentiment":"neutral","sentiment_score":-0.07630869928958281,"channel":0,"num_words":106,"start":1169.955,"end":1203.875},{"sentences":[{"text":"Yep.","start":1203.905,"end":1204.405,"sentiment":"neutral","sentiment_score":0.1682676076889038}],"sentiment":"neutral","sentiment_score":0.1682676076889038,"channel":1,"num_words":1,"start":1203.905,"end":1204.405},{"sentences":[{"text":"how this works is we the cover you have in host plus at the moment doesn't have any loadings or exclusions on it, and it gives you the first two hundred and twenty nine thousand one hundred and sixty of life and TBD completely exclusion free, which means that you can claim on it for any illness or injury, whether it's preexisting or not.","start":1204.095,"end":1222.7001,"sentiment":"neutral","sentiment_score":0.1706158064698684},{"text":"So I wanna transfer that cover over from post class in the hub 24.","start":1222.835,"end":1227.495,"sentiment":"neutral","sentiment_score":0.0984013413212129},{"text":"It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy.","start":1227.715,"end":1233.975,"sentiment":"neutral","sentiment_score":0.18278851539448457},{"text":"We're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD.","start":1234.355,"end":1244.11,"sentiment":"neutral","sentiment_score":0.3130791438743472},{"text":"That tops up your existing life and TBD cover to the level to cover the mortgage if anything happens to you.","start":1244.65,"end":1250.99,"sentiment":"neutral","sentiment_score":0.21625609412079766}],"sentiment":"neutral","sentiment_score":0.2012166511945285,"channel":0,"num_words":158,"start":1204.095,"end":1250.99},{"sentences":[{"text":"But because there is a risk with underwritten cover of having a cancer exclusion on there, there's a chance they may not put the exclusion on there, and that's great.","start":1251.485,"end":1260.365,"sentiment":"neutral","sentiment_score":-0.17015349740783373},{"text":"But because there is a risk of that, I wanted to make sure we didn't have the exclusion on the whole cover that we could limit that as much as possible.","start":1260.365,"end":1268.15,"sentiment":"neutral","sentiment_score":-0.2772383122674881},{"text":"So with ClearView, with it being underwritten cover, at the time of the application, you go through all these medical questions, and they're gonna wanna get reports from your doctors around the pathology and what happens.","start":1268.61,"end":1281.135,"sentiment":"neutral","sentiment_score":0.14671948893616596},{"text":"So with that, if they decide to add the exclusion, the exclusion would be on that 420,000, which still leaves you with that lower amount of 229,160 completely exclusion free.","start":1281.915,"end":1296.21,"sentiment":"neutral","sentiment_score":0.155674426133434},{"text":"These exclusions would probably only be added to PDD, but there is a chance they may add it to life.","start":1296.4299,"end":1301.65,"sentiment":"neutral","sentiment_score":-0.026878072321414946}],"sentiment":"neutral","sentiment_score":-0.029145711994900996,"channel":0,"num_words":147,"start":1251.485,"end":1301.65},{"sentences":[{"text":"They don't generally add exclusions to life.","start":1301.87,"end":1304.11,"sentiment":"neutral","sentiment_score":-0.13588348350354604},{"text":"Life is life.","start":1304.11,"end":1304.91,"sentiment":"neutral","sentiment_score":-0.07836488882700603},{"text":"When you pass away, the amount pays out.","start":1304.91,"end":1307.17,"sentiment":"neutral","sentiment_score":-0.09465322643518448},{"text":"But disability cover is more is more open to having exclusions or loadings depending on health and depending on preexisting conditions as well.","start":1307.415,"end":1316.4751,"sentiment":"neutral","sentiment_score":-0.22393217974382898},{"text":"That's a little bit a lot to kinda go through.","start":1316.775,"end":1319.3351,"sentiment":"negative","sentiment_score":-0.34212645292282107}],"sentiment":"neutral","sentiment_score":-0.20618057893771752,"channel":0,"num_words":51,"start":1301.87,"end":1319.3351},{"sentences":[{"text":"Do you have any questions in relation to that?","start":1319.3351,"end":1321.64,"sentiment":"neutral","sentiment_score":-0.039077844470739365},{"text":"I understand you may.","start":1321.64,"end":1323.02,"sentiment":"neutral","sentiment_score":-0.10633402690291405}],"sentiment":"neutral","sentiment_score":-0.059772054449870035,"channel":0,"num_words":13,"start":1319.3351,"end":1323.02},{"sentences":[{"text":"Not off the top of my head.","start":1326.62,"end":1328.0801,"sentiment":"neutral","sentiment_score":-0.20683687925338745},{"text":"I","start":1328.62,"end":1328.78,"sentiment":"neutral","sentiment_score":-0.13378047943115234}],"sentiment":"neutral","sentiment_score":-0.19770482927560806,"channel":1,"num_words":8,"start":1326.62,"end":1328.78},{"sentences":[{"text":"Mhmm.","start":1328.68,"end":1329.18,"sentiment":"neutral","sentiment_score":-0.11821183562278748}],"sentiment":"neutral","sentiment_score":-0.11821183562278748,"channel":0,"num_words":1,"start":1328.68,"end":1329.18},{"sentences":[{"text":"am sitting at the computer now.","start":1328.78,"end":1329.98,"sentiment":"neutral","sentiment_score":-0.19695795327425003},{"text":"I cannot see your email.","start":1329.98,"end":1331.36,"sentiment":"neutral","sentiment_score":-0.30634288787841796}],"sentiment":"neutral","sentiment_score":-0.24667837809432636,"channel":1,"num_words":11,"start":1328.78,"end":1331.36},{"sentences":[{"text":"No.","start":1331.88,"end":1332.28,"sentiment":"neutral","sentiment_score":-0.2033635824918747},{"text":"That's okay.","start":1332.28,"end":1332.84,"sentiment":"neutral","sentiment_score":-0.11007284373044968},{"text":"I'll see if I can send it again.","start":1332.84,"end":1334.12,"sentiment":"neutral","sentiment_score":-0.10083767538890243},{"text":"It's it's telling me it's sending, but it's trying to send.","start":1334.12,"end":1337.425,"sentiment":"neutral","sentiment_score":-0.20933742956681686}],"sentiment":"neutral","sentiment_score":-0.16058738174086268,"channel":0,"num_words":22,"start":1331.88,"end":1337.425},{"sentences":[{"text":"That's alright.","start":1337.795,"end":1338.535,"sentiment":"neutral","sentiment_score":0.05173408146947622}],"sentiment":"neutral","sentiment_score":0.05173408146947622,"channel":1,"num_words":2,"start":1337.795,"end":1338.535},{"sentences":[{"text":"Let me just see.","start":1338.3651,"end":1339.665,"sentiment":"neutral","sentiment_score":0.09274723194539547}],"sentiment":"neutral","sentiment_score":0.09274723194539547,"channel":0,"num_words":4,"start":1338.3651,"end":1339.665},{"sentences":[{"text":"It makes sense to keep some of it so that there's no","start":1339.795,"end":1343.4751,"sentiment":"neutral","sentiment_score":0.14946715657909712}],"sentiment":"neutral","sentiment_score":0.14946715657909712,"channel":1,"num_words":12,"start":1339.795,"end":1343.4751},{"sentences":[{"text":"Yeah.","start":1343.2451,"end":1343.7451,"sentiment":"neutral","sentiment_score":0.03213689103722572}],"sentiment":"neutral","sentiment_score":0.03213689103722572,"channel":0,"num_words":1,"start":1343.2451,"end":1343.7451},{"sentences":[{"text":"exclusion.","start":1343.4751,"end":1343.9751,"sentiment":"neutral","sentiment_score":-0.03424365073442459},{"text":"So that makes a lot 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mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition.","start":1347.005,"end":1368.385,"sentiment":"neutral","sentiment_score":-0.10275444876975738},{"text":"So you wouldn't be able to claim for cancer in related to the past the past illness, injury, or issue.","start":1368.385,"end":1375.2849,"sentiment":"neutral","sentiment_score":-0.1828269749879837},{"text":"Yeah.","start":1375.505,"end":1375.745,"sentiment":"neutral","sentiment_score":-0.04447035491466522},{"text":"I think it was it was a mole that was cut out, wasn't it?","start":1375.745,"end":1378.225,"sentiment":"neutral","sentiment_score":-0.08008477810238089}],"sentiment":"neutral","sentiment_score":-0.1143227208977436,"channel":0,"num_words":101,"start":1346.525,"end":1378.225},{"sentences":[{"text":"It was a cancerous mole that they had removed.","start":1378.225,"end":1380.225,"sentiment":"neutral","sentiment_score":-0.15090425478087532},{"text":"Is that right?","start":1380.225,"end":1380.865,"sentiment":"neutral","sentiment_score":-0.0471362459162871},{"text":"Or a lump?","start":1380.865,"end":1381.56,"sentiment":"neutral","sentiment_score":-0.08414569993813832}],"sentiment":"neutral","sentiment_score":-0.11679894203941027,"channel":0,"num_words":15,"start":1378.225,"end":1381.56},{"sentences":[{"text":"It was a mom.","start":1382.1799,"end":1383.08,"sentiment":"neutral","sentiment_score":-0.0555243156850338}],"sentiment":"neutral","sentiment_score":-0.0555243156850338,"channel":1,"num_words":4,"start":1382.1799,"end":1383.08},{"sentences":[{"text":"Yeah.","start":1383.64,"end":1383.88,"sentiment":"neutral","sentiment_score":-0.014292866922914982},{"text":"A 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insurance.","start":1385.8,"end":1392.06,"sentiment":"neutral","sentiment_score":0.020861702350278694},{"text":"If we didn't have car insurance and the storm was coming and we call up the insurance and, hey.","start":1392.28,"end":1396.105,"sentiment":"neutral","sentiment_score":-0.05207577063456962},{"text":"If storm's coming, I wanna cover my car for storm damage, they will go, no.","start":1396.105,"end":1400.265,"sentiment":"neutral","sentiment_score":-0.0690269095202287},{"text":"We can't do that because","start":1400.265,"end":1401.305,"sentiment":"neutral","sentiment_score":-0.10158814936876297}],"sentiment":"neutral","sentiment_score":-0.03225560595710126,"channel":0,"num_words":63,"start":1385.8,"end":1401.305},{"sentences":[{"text":"Yeah.","start":1401.255,"end":1401.75,"sentiment":"neutral","sentiment_score":-0.15760333836078644}],"sentiment":"neutral","sentiment_score":-0.15760333836078644,"channel":1,"num_words":1,"start":1401.255,"end":1401.75},{"sentences":[{"text":"the risk of you making a claim is much higher.","start":1401.305,"end":1403.305,"sentiment":"negative","sentiment_score":-0.46747371554374695},{"text":"So the same thing","start":1403.305,"end":1404.505,"sentiment":"neutral","sentiment_score":-0.06549327448010445}],"sentiment":"negative","sentiment_score":-0.3526221609541348,"channel":0,"num_words":14,"start":1401.305,"end":1404.505},{"sentences":[{"text":"A 100","start":1404.23,"end":1404.71,"sentiment":"neutral","sentiment_score":0.03117668628692627}],"sentiment":"neutral","sentiment_score":0.03117668628692627,"channel":1,"num_words":2,"start":1404.23,"end":1404.71},{"sentences":[{"text":"sort 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cover.","start":1413.19,"end":1419.85,"sentiment":"neutral","sentiment_score":0.20163863694125955},{"text":"You haven't actually applied for this cover.","start":1419.9099,"end":1421.75,"sentiment":"neutral","sentiment_score":0.0012362639286688396},{"text":"It was just provided as a default option to you.","start":1421.75,"end":1424.685,"sentiment":"neutral","sentiment_score":0.009601831808686257}],"sentiment":"neutral","sentiment_score":0.005796563077830907,"channel":0,"num_words":66,"start":1404.825,"end":1424.685},{"sentences":[{"text":"So they actually have no idea about your health.","start":1425.165,"end":1427.645,"sentiment":"neutral","sentiment_score":-0.19655074179172516},{"text":"They will do a health questionnaire with you at the time of claim if you had the claim.","start":1427.645,"end":1432.305,"sentiment":"neutral","sentiment_score":-0.09624329995777872},{"text":"However, at the moment, it gives you that level of cover with no no exclusions on 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covering yourself for that small one percent chance of having a risk.","start":1479.15,"end":1483.65,"sentiment":"neutral","sentiment_score":-0.03262683720542835},{"text":"But the way this essentially works is that you'll have that default cover in place transferred to hub twenty four to give you a level of cover without any exclusions or loadings, and then we'll have the top up cover, which there is a chance there could be an exclusion attached to.","start":1484.385,"end":1497.925,"sentiment":"neutral","sentiment_score":0.06587480338147053},{"text":"There's also a chance they may not apply the exclusion.","start":1498.44,"end":1500.76,"sentiment":"neutral","sentiment_score":-0.1104656808078289},{"text":"It just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you.","start":1500.76,"end":1507.24,"sentiment":"neutral","sentiment_score":-0.02100328777147376},{"text":"Okay?","start":1507.24,"end":1507.74,"sentiment":"neutral","sentiment_score":0.02871784381568432}],"sentiment":"neutral","sentiment_score":0.014568952617771698,"channel":0,"num_words":99,"start":1479.15,"end":1507.74},{"sentences":[{"text":"Yep.","start":1508.525,"end":1509.025,"sentiment":"neutral","sentiment_score":0.21821755170822144}],"sentiment":"neutral","sentiment_score":0.21821755170822144,"channel":1,"num_words":1,"start":1508.525,"end":1509.025},{"sentences":[{"text":"Excellent.","start":1509.5599,"end":1510.0599,"sentiment":"positive","sentiment_score":0.6055194735527039},{"text":"With the cover, it will be paid out of the super funds, so it doesn't it's not gonna come out of your back pocket in any way, shape, or form.","start":1510.6,"end":1517.5125,"sentiment":"neutral","sentiment_score":0.22491882145404815},{"text":"And, essentially, having a look at that, you do get a 15% discount on paying for insurances out of super, which, again, is really quite cool.","start":1517.5125,"end":1524.6,"sentiment":"positive","sentiment_score":0.4264395065032519},{"text":"We do love that.","start":1524.6,"end":1525.65,"sentiment":"positive","sentiment_score":0.6525838226079941},{"text":"But we do expect the premiums to be about $488 for the year.","start":1525.73,"end":1529.91,"sentiment":"neutral","sentiment_score":0.054391290132816024}],"sentiment":"neutral","sentiment_score":0.2940261263299633,"channel":0,"num_words":74,"start":1509.5599,"end":1529.91},{"sentences":[{"text":"It is an increase because we are increasing the amount of cover, but it's only increasing the cover by about $241 for the year.","start":1530.37,"end":1538.53,"sentiment":"neutral","sentiment_score":-0.00448823223511378},{"text":"So it doesn't have a large impact on your super, but it does have an impact over time.","start":1538.53,"end":1544.135,"sentiment":"neutral","sentiment_score":-0.12741870722836918},{"text":"And we wanna make sure we review the level of cover you have, how it's paid, how much it's costing you so that we can adjust that down the track as well.","start":1544.135,"end":1552.235,"sentiment":"neutral","sentiment_score":-0.007015978451818228},{"text":"The biggest thing is when you sort of look at insurances, when you consider the five, ten, and twenty year impact, insurances do get more expensive over time as the risk of you making a claim increases as you get older.","start":1552.91,"end":1565.41,"sentiment":"negative","sentiment_score":-0.35855044515394585},{"text":"So we do wanna make sure that you hold the level of cover you're 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sense.","start":1579.61,"end":1580.51,"sentiment":"neutral","sentiment_score":0.18438986937204996}],"sentiment":"neutral","sentiment_score":0.17329610511660576,"channel":1,"num_words":4,"start":1579.37,"end":1580.51},{"sentences":[{"text":"Yeah.","start":1580.91,"end":1581.2301,"sentiment":"neutral","sentiment_score":0.3298865556716919},{"text":"Beautiful.","start":1581.2301,"end":1581.7301,"sentiment":"positive","sentiment_score":0.7199569940567017},{"text":"All good.","start":1582.1101,"end":1582.8501,"sentiment":"positive","sentiment_score":0.6550295054912567},{"text":"The last part of the advice is essentially the beneficiary nominations.","start":1583.7101,"end":1587.01,"sentiment":"neutral","sentiment_score":0.18796100873838772},{"text":"So we will make sure that you have beneficiary nominations applied to your life cover, both with hub twenty four and with Clearview and on your hub twenty four super account, making sure that if anything did happen, touch wood, nothing ever does.","start":1587.55,"end":1600.705,"sentiment":"neutral","sentiment_score":0.14839916693609814}],"sentiment":"neutral","sentiment_score":0.1863558247428516,"channel":0,"num_words":58,"start":1580.91,"end":1600.705},{"sentences":[{"text":"But if anything did happen, that your super and life insurances are paid out a 100% to raise so that he can take care of your family, making sure to pay off the mortgage and take some time off to alleviate stress and pressure and work out what he wants to do moving forward.","start":1600.705,"end":1615.28,"sentiment":"neutral","sentiment_score":0.2859089820197335},{"text":"So we will help you to make sure those apply to the account.","start":1615.28,"end":1618.82,"sentiment":"neutral","sentiment_score":0.21513100770803598},{"text":"We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there.","start":1619.12,"end":1627.405,"sentiment":"neutral","sentiment_score":0.14786091686359473},{"text":"If you do need another one or did need a referral through, let us know.","start":1627.405,"end":1631.185,"sentiment":"neutral","sentiment_score":0.08000734200080235},{"text":"But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as 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some","start":1648.89,"end":1649.79,"sentiment":"neutral","sentiment_score":-0.05641838784019152}],"sentiment":"neutral","sentiment_score":0.038038711762055755,"channel":0,"num_words":32,"start":1641.4501,"end":1649.79},{"sentences":[{"text":"Shit.","start":1649.305,"end":1649.805,"sentiment":"neutral","sentiment_score":-0.06333860754966736}],"sentiment":"neutral","sentiment_score":-0.06333860754966736,"channel":1,"num_words":1,"start":1649.305,"end":1649.805},{"sentences":[{"text":"a lot of rain.","start":1650.17,"end":1651.2301,"sentiment":"neutral","sentiment_score":-0.06968867592513561},{"text":"We've actually had about 200 normal rains the last forty eight hours.","start":1651.475,"end":1655.175,"sentiment":"neutral","sentiment_score":-0.010436481330543756},{"text":"Yes.","start":1655.475,"end":1655.875,"sentiment":"neutral","sentiment_score":0.017460135743021965},{"text":"I'm working from home today because it's, like, there's local flooding and things like that.","start":1655.875,"end":1660.035,"sentiment":"neutral","sentiment_score":-0.01401289775967598},{"text":"So","start":1660.035,"end":1660.535,"sentiment":"neutral","sentiment_score":0.03797373920679093}],"sentiment":"neutral","sentiment_score":-0.016931880942799828,"channel":0,"num_words":33,"start":1650.17,"end":1660.535},{"sentences":[{"text":"Jesus Christ.","start":1660.185,"end":1661.245,"sentiment":"neutral","sentiment_score":0.02140576671808958}],"sentiment":"neutral","sentiment_score":0.02140576671808958,"channel":1,"num_words":2,"start":1660.185,"end":1661.245},{"sentences":[{"text":"it might take a minute for the email to come through to you.","start":1661.0751,"end":1663.795,"sentiment":"neutral","sentiment_score":0.011925229086325718},{"text":"I do apologize that we might having some issues with the phone lines as well.","start":1663.795,"end":1667.51,"sentiment":"neutral","sentiment_score":-0.14378765324751536},{"text":"Sorry about that.","start":1667.51,"end":1668.49,"sentiment":"neutral","sentiment_score":-0.13663404683272043}],"sentiment":"neutral","sentiment_score":-0.07779641809963411,"channel":0,"num_words":31,"start":1661.0751,"end":1668.49},{"sentences":[{"text":"No.","start":1668.08,"end":1668.24,"sentiment":"neutral","sentiment_score":-0.09803786873817444},{"text":"That's alright.","start":1668.24,"end":1668.98,"sentiment":"neutral","sentiment_score":-0.053754701279103756},{"text":"Queensland never ceases","start":1669.36,"end":1670.96,"sentiment":"neutral","sentiment_score":0.03882012516260147}],"sentiment":"neutral","sentiment_score":-0.014847815968096256,"channel":1,"num_words":6,"start":1668.08,"end":1670.96},{"sentences":[{"text":"I","start":1670.55,"end":1671.05,"sentiment":"neutral","sentiment_score":0.05887807905673981}],"sentiment":"neutral","sentiment_score":0.05887807905673981,"channel":0,"num_words":1,"start":1670.55,"end":1671.05},{"sentences":[{"text":"to amaze at this time of the year.","start":1670.96,"end":1672.74,"sentiment":"neutral","sentiment_score":0.09533317107707262}],"sentiment":"neutral","sentiment_score":0.09533317107707262,"channel":1,"num_words":8,"start":1670.96,"end":1672.74},{"sentences":[{"text":"know.","start":1673.11,"end":1673.61,"sentiment":"neutral","sentiment_score":-0.042883992195129395},{"text":"I actually said today, maybe I need to move to somewhere a little bit less wet.","start":1673.75,"end":1677.6901,"sentiment":"neutral","sentiment_score":-0.09058484877459705}],"sentiment":"neutral","sentiment_score":-0.08777891603462837,"channel":0,"num_words":17,"start":1673.11,"end":1677.6901},{"sentences":[{"text":"No.","start":1679.455,"end":1679.695,"sentiment":"neutral","sentiment_score":-0.03697899356484413},{"text":"It's staying 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what?","start":1686.7849,"end":1689.4249,"sentiment":"neutral","sentiment_score":-0.20369784321103776},{"text":"There's still a high risk of flooding, local flooding in certain areas.","start":1689.4249,"end":1693.0249,"sentiment":"negative","sentiment_score":-0.3706028684973717},{"text":"It's all work from home.","start":1693.0249,"end":1694.22,"sentiment":"neutral","sentiment_score":0.05328499600291252},{"text":"It's just gonna be easier for everyone and safer for everyone today, and then the phone lines have been a little bit erratic.","start":1694.22,"end":1699.84,"sentiment":"neutral","sentiment_score":-0.015681481231813846}],"sentiment":"neutral","sentiment_score":-0.15309107331841282,"channel":0,"num_words":66,"start":1683.745,"end":1699.84},{"sentences":[{"text":"So","start":1699.98,"end":1700.48,"sentiment":"neutral","sentiment_score":-0.07276687026023865}],"sentiment":"neutral","sentiment_score":-0.07276687026023865,"channel":0,"num_words":1,"start":1699.98,"end":1700.48},{"sentences":[{"text":"Yeah.","start":1700.4701,"end":1700.87,"sentiment":"neutral","sentiment_score":-0.08766190707683563}],"sentiment":"neutral","sentiment_score":-0.08766190707683563,"channel":1,"num_words":1,"start":1700.4701,"end":1700.87},{"sentences":[{"text":"sorry 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good.","start":1701.75,"end":1702.7301,"sentiment":"positive","sentiment_score":0.5403900543848673}],"sentiment":"positive","sentiment_score":0.46450493335723875,"channel":1,"num_words":5,"start":1701.1101,"end":1702.7301},{"sentences":[{"text":"Yeah.","start":1702.54,"end":1703.04,"sentiment":"positive","sentiment_score":0.3872089385986328},{"text":"All good.","start":1703.74,"end":1704.56,"sentiment":"positive","sentiment_score":0.43587128818035126},{"text":"On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things.","start":1704.86,"end":1711.875,"sentiment":"neutral","sentiment_score":0.09801065346056764},{"text":"As noted, the implementation fee is 3.3%.","start":1712.095,"end":1716.4149,"sentiment":"neutral","sentiment_score":0.08342818064349038},{"text":"The cap advance is a 150,000.","start":1716.4149,"end":1718.575,"sentiment":"neutral","sentiment_score":0.0844699243704478}],"sentiment":"neutral","sentiment_score":0.11857901846891955,"channel":0,"num_words":38,"start":1702.54,"end":1718.575},{"sentences":[{"text":"Your balance is well below that, so the amount there that we expect is 2,614.","start":1718.575,"end":1724.115,"sentiment":"neutral","sentiment_score":0.11405801723400752},{"text":"With insurances, we do also receive remuneration from the insurer for making these recommendations once they are in place.","start":1724.86,"end":1731.9199,"sentiment":"neutral","sentiment_score":0.1941227779576653},{"text":"These are legislated the same across the board, so they don't have any effect on what my recommendations are.","start":1732.5399,"end":1739.115,"sentiment":"neutral","sentiment_score":0.15029155580621018},{"text":"But with regards to the Clearview recommendation, if the insurances are accepted and go into force, we would receive $248 for the first year based on 66% of the first year's premium, and then 22% say ongoing and a $145 moving forward as well.","start":1739.195,"end":1757.12,"sentiment":"neutral","sentiment_score":0.18945991738953374},{"text":"So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything.","start":1757.12,"end":1762.66,"sentiment":"neutral","sentiment_score":0.2053764523430304}],"sentiment":"neutral","sentiment_score":0.17738874719924286,"channel":0,"num_words":119,"start":1718.575,"end":1762.66},{"sentences":[{"text":"And you'll also see the ongoing remuneration.","start":1763.52,"end":1765.7,"sentiment":"neutral","sentiment_score":0.18772809846060617},{"text":"So the fee breaks down at 1.1 for you.","start":1766.0,"end":1768.9349,"sentiment":"neutral","sentiment_score":0.25698844260639614},{"text":"And if you decide to come on board, we'll make sure raises is also reduced for you as well.","start":1768.9349,"end":1773.495,"sentiment":"neutral","sentiment_score":0.15856211044286428},{"text":"Okay?","start":1773.495,"end":1773.995,"sentiment":"neutral","sentiment_score":0.10563646256923676}],"sentiment":"neutral","sentiment_score":0.18736970093515184,"channel":0,"num_words":36,"start":1763.52,"end":1773.995},{"sentences":[{"text":"Yep.","start":1776.27,"end":1776.77,"sentiment":"neutral","sentiment_score":0.21831326186656952},{"text":"Makes sense.","start":1776.83,"end":1777.65,"sentiment":"neutral","sentiment_score":0.27570073306560516}],"sentiment":"neutral","sentiment_score":0.25657157599925995,"channel":1,"num_words":3,"start":1776.27,"end":1777.65},{"sentences":[{"text":"All good.","start":1777.495,"end":1778.235,"sentiment":"positive","sentiment_score":0.5645261704921722},{"text":"All good.","start":1778.295,"end":1779.035,"sentiment":"positive","sentiment_score":0.49407753348350525},{"text":"How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us.","start":1779.575,"end":1787.7,"sentiment":"neutral","sentiment_score":0.2006297478901929},{"text":"Attach to attach this DocuSign, you'll also have for your reference the appendices.","start":1788.08,"end":1793.1399,"sentiment":"neutral","sentiment_score":0.14290468738629267},{"text":"I've also got a copy of the statement advice attached as an as an extra document.","start":1793.44,"end":1797.62,"sentiment":"neutral","sentiment_score":0.14856965583749115}],"sentiment":"neutral","sentiment_score":0.1962958955836873,"channel":0,"num_words":62,"start":1777.495,"end":1797.62},{"sentences":[{"text":"We've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well.","start":1797.855,"end":1810.515,"sentiment":"neutral","sentiment_score":0.1705293704289943},{"text":"We also do have your original fax line filled out and the application for hub 24.","start":1810.99,"end":1816.19,"sentiment":"neutral","sentiment_score":0.18649130873382092},{"text":"So if you decide to sign it, it'll kind of ask you to sign all those documents.","start":1816.19,"end":1819.97,"sentiment":"neutral","sentiment_score":0.19656059584196875},{"text":"It just makes it easy to sign everything all at once.","start":1820.19,"end":1822.605,"sentiment":"neutral","sentiment_score":0.32078311253677716},{"text":"But if you are running through and having a look, it might be why this is taking a bit longer as well.","start":1823.005,"end":1826.765,"sentiment":"neutral","sentiment_score":-0.15509774010967126}],"sentiment":"neutral","sentiment_score":0.1214162742681041,"channel":0,"num_words":98,"start":1797.855,"end":1826.765},{"sentences":[{"text":"There is quite a few attachments attached to it.","start":1826.765,"end":1829.325,"sentiment":"neutral","sentiment_score":-0.15149067176712883},{"text":"So it's probably thinking about sending all of them to you.","start":1829.325,"end":1831.885,"sentiment":"neutral","sentiment_score":-0.1332382227886807},{"text":"I do apologize about that.","start":1831.885,"end":1833.825,"sentiment":"neutral","sentiment_score":-0.14502972811460496},{"text":"But, yeah, if you once you do sign and return that back, we'd start by just opening up your Hub twenty four super account.","start":1835.0,"end":1840.7001,"sentiment":"neutral","sentiment_score":0.04028336564078927},{"text":"We start by completing just a partial rollover.","start":1841.16,"end":1843.64,"sentiment":"neutral","sentiment_score":0.0786461136303842}],"sentiment":"neutral","sentiment_score":-0.0343546570654501,"channel":0,"num_words":57,"start":1826.765,"end":1843.64},{"sentences":[{"text":"So we leave 10,000 behind in the host plus whilst we get your insurances in 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time.","start":1872.4401,"end":1882.7849,"sentiment":"neutral","sentiment_score":0.1015110557996913},{"text":"Okay?","start":1882.845,"end":1883.345,"sentiment":"neutral","sentiment_score":0.06713967025279999}],"sentiment":"neutral","sentiment_score":0.10062973822156589,"channel":0,"num_words":39,"start":1872.4401,"end":1883.345},{"sentences":[{"text":"Yep.","start":1883.535,"end":1884.035,"sentiment":"neutral","sentiment_score":0.0952734500169754},{"text":"Yep.","start":1884.23,"end":1884.63,"sentiment":"neutral","sentiment_score":0.14687329530715942},{"text":"That 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any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes through?","start":1889.7,"end":1897.24,"sentiment":"neutral","sentiment_score":0.0036951997450419835}],"sentiment":"neutral","sentiment_score":0.02581153220186631,"channel":0,"num_words":48,"start":1886.0449,"end":1897.24},{"sentences":[{"text":"Yeah.","start":1897.99,"end":1898.085,"sentiment":"neutral","sentiment_score":0.02296949177980423},{"text":"I'll probably just read it over when it comes through.","start":1898.245,"end":1899.765,"sentiment":"neutral","sentiment_score":0.06637104135006666},{"text":"I don't have any questions currently.","start":1899.765,"end":1901.225,"sentiment":"neutral","sentiment_score":-0.027002705028280616},{"text":"I 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yeah, I like that transparency.","start":1923.785,"end":1925.245,"sentiment":"positive","sentiment_score":0.5646669864654541},{"text":"Thank you for that.","start":1925.305,"end":1926.285,"sentiment":"positive","sentiment_score":0.7298726290464401}],"sentiment":"positive","sentiment_score":0.6307492434978486,"channel":1,"num_words":10,"start":1923.785,"end":1926.285},{"sentences":[{"text":"That's okay.","start":1926.535,"end":1927.175,"sentiment":"positive","sentiment_score":0.4433443546295166},{"text":"That's not a problem at all.","start":1927.175,"end":1928.715,"sentiment":"positive","sentiment_score":0.38046955068906146},{"text":"When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest.","start":1929.015,"end":1939.4501,"sentiment":"neutral","sentiment_score":0.27982214647670123},{"text":"I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well.","start":1939.4501,"end":1944.89,"sentiment":"neutral","sentiment_score":0.17750729341059923},{"text":"So you're welcome to run your eyes over that.","start":1944.89,"end":1946.65,"sentiment":"positive","sentiment_score":0.3888317412800259}],"sentiment":"neutral","sentiment_score":0.2834402720787023,"channel":0,"num_words":76,"start":1926.535,"end":1946.65},{"sentences":[{"text":"Have a really good read through.","start":1946.65,"end":1948.0901,"sentiment":"positive","sentiment_score":0.434466873606046},{"text":"Let me know if there's any additional questions that you might have, and, yeah, if you're happy to take on board the recommendation.","start":1948.0901,"end":1954.105,"sentiment":"neutral","sentiment_score":0.30107706914777344},{"text":"So just get you to sign and return it 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The fee structure is fee-efficient and can be reduced as needed. The agent explains the process for transferring coverage and adding a recommendation for the beneficiary. The speaker emphasizes the transparency of fees and offers to resend the document if needed. The agent also provides information on weather conditions and encourages the caller to reach out with any questions."},"intents":{"segments":[{"text":"Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together?","start_word":141,"end_word":173,"intents":[{"intent":"Request callback","confidence_score":0.06795507}]},{"text":"So it can be provided to meet your goals, put you in a better position at the end of the day, and work towards your long term retirement goals there as well. Okay?","start_word":437,"end_word":469,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.025373813},{"intent":"Discuss long-term goals","confidence_score":0.22873607}]},{"text":"we've also scoped in the estate planning side of things as well, just making sure that a will power of attorney and with regard to your super, making sure that beneficiaries are also in line with your goals and wishes. Okay?","start_word":555,"end_word":595,"intents":[{"intent":"Discuss estate planning","confidence_score":0.16207613}]},{"text":"Areas that we're not looking at in advice today is salary sacrifice.","start_word":597,"end_word":608,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.67848575}]},{"text":"When we look at insurances, we're just looking at the licensed EBD. You have made mention you weren't worried too much about getting any income protection. You do have about a year's worth of income set aside to cover yourself and you've been if anything is occurring and and not looking at trauma as well, not looking at any additional insurances paid outside of Super. Okay?","start_word":638,"end_word":703,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.23169687},{"intent":"Discuss insurance recommendations","confidence_score":0.09527425}]},{"text":"We did go through and do a bit of research on that and all the other super funds out there to see what was appropriate to your goals and what was gonna help put you in a better position moving forward there.","start_word":732,"end_word":773,"intents":[{"intent":"Discuss investment portfolio and investment portfolio","confidence_score":0.0031538312}]},{"text":"So, apparently, it's being paid in full, and it should clear by the end of month. So Perfect. just waiting to see when that will actually hit. But, yeah, apparently, it's paid up to date. Perfect.","start_word":823,"end_word":858,"intents":[{"intent":"Confirm payment","confidence_score":0.028924977}]},{"text":"That is excellent. Good to see.","start_word":859,"end_word":864,"intents":[{"intent":"Express gratitude and say goodbye","confidence_score":0.0000012028522}]},{"text":"And at the end of the day, it's part of your wage. The first 12% of your income is meant to go into super. So, essentially, he's basically holding back part of your income, your hard earned time. So yeah.","start_word":905,"end_word":944,"intents":[{"intent":"Inquire about salary and investment status","confidence_score":0.00001437645}]},{"text":"regards to that investment profile there. You could definitely have your funds working a bit harder.","start_word":1091,"end_word":1106,"intents":[{"intent":"Explain investment profile and its impact on funds","confidence_score":0.00013193264}]},{"text":"Part of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now.","start_word":1363,"end_word":1397,"intents":[{"intent":"Review investments and make recommendations","confidence_score":0.0015569804}]},{"text":"forward, can actually see you grow your super and provide a greater benefit. When we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years. Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time. So it does give you a greater benefit depending on how the market reacts. Okay?","start_word":1569,"end_word":1646,"intents":[{"intent":"Maximize portfolio benefits","confidence_score":0.07734921}]},{"text":"That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document. It's 3.3%, and it's capped at balances of 150,000. So it shows you in here.","start_word":2000,"end_word":2043,"intents":[{"intent":"Deduct fee","confidence_score":0.15944777}]},{"text":"And how that essentially works is with the implementation, we'll open up your super account. We'll roll the funds from Post Plus into Hub 24.","start_word":2044,"end_word":2068,"intents":[{"intent":"Open super account","confidence_score":0.35391676}]},{"text":"When you close that Hostplus account, how does that super get found to be into the correct account? Like, is there a way that it doesn't get go into the ether or gets put into the correct Yeah.","start_word":2124,"end_word":2161,"intents":[{"intent":"Verify super super account","confidence_score":0.0019330193}]},{"text":"So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive account. money from past employers, they will just reopen the account, and we'll be able to roll those funds back over into hub 24 without any issues whatsoever.","start_word":2162,"end_word":2206,"intents":[{"intent":"Reopen account","confidence_score":0.057209916}]},{"text":"The other option is if if they don't pay it to Hostplus, if the ATO collect the funds, because at tax time, your past employers are also supposed to declare how much they've paid for all their employees in regards to, their employer contributions.","start_word":2207,"end_word":2250,"intents":[{"intent":"Declare pay","confidence_score":0.02480681}]},{"text":"You'll get notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you. But if Yes.","start_word":2305,"end_word":2326,"intents":[{"intent":"Consolidate funds","confidence_score":0.22705758}]},{"text":"Either way, we'll make sure we help you with that.","start_word":2484,"end_word":2493,"intents":[{"intent":"Help with super search","confidence_score":0.022021659}]},{"text":"So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well.","start_word":2531,"end_word":2602,"intents":[{"intent":"Help with lost super document","confidence_score":0.0029499722}]},{"text":"So we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis.","start_word":3064,"end_word":3104,"intents":[{"intent":"Review investments","confidence_score":0.046961576}]},{"text":"So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four.","start_word":3591,"end_word":3610,"intents":[{"intent":"Recommend policy transfer","confidence_score":0.00016764048}]},{"text":"It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy. We're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD.","start_word":3797,"end_word":3855,"intents":[{"intent":"Plan coverage plan","confidence_score":0.00002425006}]},{"text":"So one of the things we look at like, if we didn't if we didn't look to transfer the cover from post plus and we just applied for enough cover to cover the mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition.","start_word":4159,"end_word":4223,"intents":[{"intent":"Apply for insurance coverage","confidence_score":0.05503038}]},{"text":"It just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you. Okay? Yep.","start_word":4697,"end_word":4721,"intents":[{"intent":"Assess insurance coverage","confidence_score":0.042953666}]},{"text":"We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there. If you do need another one or did need a referral through, let us know. But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as well. Okay?","start_word":5089,"end_word":5158,"intents":[{"intent":"Recommend rescheduling","confidence_score":0.0032118226}]},{"text":"sorry about That's that. all good. That's all good. Yeah.","start_word":5373,"end_word":5382,"intents":[{"intent":"Confirm understanding","confidence_score":0.05106253}]},{"text":"On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things.","start_word":5385,"end_word":5406,"intents":[{"intent":"Provide information","confidence_score":0.007684241},{"intent":"Discuss remuneration","confidence_score":0.034236755}]},{"text":"So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything. And you'll also see the ongoing remuneration. So the fee breaks down at 1.1 for you. And if you decide to come on board, we'll make sure raises is also reduced for you as well. Okay? Yep.","start_word":5517,"end_word":5575,"intents":[{"intent":"Reassure about future changes","confidence_score":8.7702983e-7}]},{"text":"How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us.","start_word":5582,"end_word":5610,"intents":[{"intent":"Explain process","confidence_score":0.17795748},{"intent":"Sign document","confidence_score":0.0029680943},{"intent":"Obtain letter","confidence_score":0.00044399154}]},{"text":"Attach to attach this DocuSign, you'll also have for your reference the appendices.","start_word":5611,"end_word":5623,"intents":[{"intent":"Attach appendix","confidence_score":0.11559852}]},{"text":"We've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well. We also do have your original fax line filled out and the application for hub 24. So if you decide to sign it, it'll kind of ask you to sign all those documents.","start_word":5641,"end_word":5705,"intents":[{"intent":"Obtain documents","confidence_score":0.0053550056}]},{"text":"So we do things in a little bit of more timely manner if you're unaware of what's happening, But we also do things to make sure we're not canceling insurance's prematurity, keep you protected at the same time. Okay? Yep.","start_word":5883,"end_word":5922,"intents":[{"intent":"Update insurance coverage","confidence_score":0.00039397643}]},{"text":"Now I know that is quite a bit to go through. Is there any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes through?","start_word":5930,"end_word":5975,"intents":[{"intent":"Read dms","confidence_score":0.00014024964}]},{"text":"that everything is pretty transparent on fees though that you're being really upfront about that. Yeah.","start_word":5996,"end_word":6011,"intents":[{"intent":"Inform about fees","confidence_score":0.0025897948}]},{"text":"So, yeah, it's it's nice to hear what they all are straight out of the Beautiful.","start_word":6040,"end_word":6055,"intents":[{"intent":"Provide feedback","confidence_score":0.011348608}]},{"text":"When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest.","start_word":6076,"end_word":6118,"intents":[{"intent":"Review document","confidence_score":0.17242554}]},{"text":"When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest. I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well.","start_word":6076,"end_word":6134,"intents":[{"intent":"Provide recommendations","confidence_score":0.0060517727}]},{"text":"I will let you go. You can have a bit of time to reach you that one. I'm I'm gonna go back in and see if it needs me to resend it again because it's telling me it's sent, but I also know my computer's a little bit slow. So I'll go back into the back end there and probably just try to resend the document for you as well.","start_word":6279,"end_word":6348,"intents":[{"intent":"Resend document","confidence_score":0.0019929588}]},{"text":"Good luck Queensland.","start_word":6396,"end_word":6398,"intents":[{"intent":"Offer assistance","confidence_score":0.01355825}]}]},"sentiments":{"segments":[{"text":"Hey, Maddie. Hey. Hey, Dana. I've got Elise on the phone.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.13440288603305817},{"text":"Oh, perfect. I was just sending a text message out to her. Easy. Beautiful. Let me know when you're ready for me to transfer her through.","start_word":11,"end_word":36,"sentiment":"positive","sentiment_score":0.5082261562347412},{"text":"Yeah. Whenever you're ready.","start_word":37,"end_word":40,"sentiment":"neutral","sentiment_score":0.2115522474050522},{"text":"Thank you so much.","start_word":41,"end_word":44,"sentiment":"positive","sentiment_score":0.6907643675804138},{"text":"Not a problem. You got her in 321. Thanks. Oh, hi. This is Dana. How are you?","start_word":45,"end_word":61,"sentiment":"neutral","sentiment_score":0.2018105834722519},{"text":"Good. Thanks, Diana.","start_word":62,"end_word":64,"sentiment":"positive","sentiment_score":0.4235119819641114},{"text":"Sorry I missed you.","start_word":65,"end_word":68,"sentiment":"neutral","sentiment_score":0.16471222043037417},{"text":"That's absolutely fine. It's not a problem at all.","start_word":69,"end_word":77,"sentiment":"positive","sentiment_score":0.4515237510204315},{"text":"I had to just book in to go through your statement of advice. Is now still a good time there for you? Yes. Yes. I'm sorry.","start_word":78,"end_word":103,"sentiment":"neutral","sentiment_score":0.17649678885936737},{"text":"Fantastic.","start_word":104,"end_word":104,"sentiment":"positive","sentiment_score":0.3624324500560761},{"text":"Do you happen to have access to your email at the moment at all? No. I am driving. But I'll be Oh, no. That's it. I'm only driving for twenty Go minutes. ahead. Oh, that's okay. Did you want me to kind of run through it, or did you want me to maybe give you a callback in about twenty minutes and we can kinda go through it together? What's more preferable to you? Yeah. You can run through it. I can read it back once I get to the computer. Yeah. No. Not a problem at all. So what I'll do is I'll email this one through to you so it is in your emails when you do get there. And Yep. then, oh, sorry. It's saying there's an error. I'll get that sorted. I'll email it through to you shortly. That way, it's there when you do happen to get home and do have some time to read it through this afternoon. In the Yep. meantime, I'll just run through the advice there for you, give you an update of what the recommendations are. If you happen to have any questions through the call, just let me know. Okay? Yep.","start_word":105,"end_word":306,"sentiment":"neutral","sentiment_score":0.07275540381669998},{"text":"Sounds good. Fantastic.","start_word":307,"end_word":309,"sentiment":"positive","sentiment_score":0.4684877097606659},{"text":"So, Elise, on the front of the document, when you are looking at it, you'll note it does have the statement of advice prepared for yourself as of the 03/18/2026. Our advice documents are valid for sixty days from the date on the front of the document there, and it has been prepared by my lovely team here at Oakview Financial. And my authorized representative number for you is 1304394. Okay? Yes. As you are running through, it does start by going through the best interest, Judy, just letting you know that any advice provided is provided under the best interest. So we go through the process we do of making sure we understand your goals, objectives, and what you're looking for with regard to financial advice.","start_word":310,"end_word":436,"sentiment":"neutral","sentiment_score":0.19398049482210417},{"text":"So it can be provided to meet your goals, put you in a better position at the end of the day, and work towards your long term retirement goals there as well.","start_word":437,"end_word":468,"sentiment":"positive","sentiment_score":0.3409262001514435},{"text":"Okay? Yes. With this advice, we've spoken areas of superannuation. So, essentially, you're looking to be able to cut back and work part time in your mid sixties and then hopefully retire in the seventies. So we're looking long term. They're trying to make your physical work as hard as possible towards that. We're also looking at insurances. So wanting to make sure if anything did happen to you that you could pay off the more, that your insurances could pay off the mortgage. And Yep. we've also scoped in the estate planning side of things as well, just making sure that a will power of attorney and with regard to your super, making sure that beneficiaries are also in line with your goals and wishes. Okay? Yep. Areas that we're not looking at in advice today is salary sacrifice. So at the moment, not wanting to look at making any additional contributions to super. However, it can be reassessed down the track should you wish to do so. When we look at insurances, we're just looking at the licensed EBD. You have made mention you weren't worried too much about getting any income protection. You do have about a year's worth of income set aside to cover yourself and you've been if anything is occurring and and not looking at trauma as well, not looking at any additional insurances paid outside of Super. Okay? Yep. Yep.","start_word":469,"end_word":705,"sentiment":"neutral","sentiment_score":0.007608980871737003},{"text":"Perfect. Excellent.","start_word":706,"end_word":707,"sentiment":"positive","sentiment_score":0.6200057864189148},{"text":"So I'll start by sort of going through the recommendations there. Now at the moment, you do have your host Plus super account. We did go through and do a bit of research on that and all the other super funds out there to see what was appropriate to your goals and what was gonna help put you in a better position moving forward there. At the moment, within Host Plus, the balance have was about 79,219, and you are paying administration fees, investment fees. Your contributions aren't quite going in at the moment, but they should be. Have you managed to get any more word from your employer in relation to your contributions? Yeah. So, apparently, it's being paid in full, and it should clear by the end of month.","start_word":708,"end_word":838,"sentiment":"neutral","sentiment_score":0.09074904570597728},{"text":"So Perfect.","start_word":839,"end_word":840,"sentiment":"positive","sentiment_score":0.4175969958305359},{"text":"just waiting to see when that will actually hit. But, yeah, apparently, it's paid up to date.","start_word":841,"end_word":857,"sentiment":"neutral","sentiment_score":0.18152014911174777},{"text":"Perfect. That is excellent. Good to see. And, hopefully, I continue to keep paying those for you because it's only to benefit you.","start_word":858,"end_word":880,"sentiment":"positive","sentiment_score":0.579241931438446},{"text":"So Yeah. Oh, and yeah. the law changes as next month anyway. So, yeah, it'll be Absolutely. actually actually adhere to, I think. Absolutely. And at the end of the day, it's part of your wage. The first 12% of your income is meant to go into super. So, essentially, he's basically holding back part of your income, your hard earned time. So yeah. Yep. All good. So with regards to the host plus there, we have a bit of a look. Now the way you are currently invested, we sort of talked into that risk profile questionnaire, and you have scored as more of a growth investor. That typically sees about 80% in growth investments of things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 20% in defensive investments of things like cash, bonds, and fixed interest. With the way your host plus is currently invested, you're in more of a balanced growth sort of option there. So you've got about 75.7% in those growth investments, and a bit higher about 24.3% in defensive investments. So you're probably taking a little bit less risk than what we sort of like to see for you at the moment with Yep. regards to that investment profile there. You could definitely have your funds working a bit harder. So what we've done is we had a bit of a look at how that has been performing on average over the past five years. It has sort of shown about a 7.56% there.","start_word":881,"end_word":1140,"sentiment":"neutral","sentiment_score":0.04038995683479767},{"text":"So not the greatest return. We wanna sort of see if we can make it work a bit harder for you.","start_word":1141,"end_word":1161,"sentiment":"negative","sentiment_score":-0.3396272659301758},{"text":"So what I am Yes. recommending is that we do roll you out of host plus, and we do roll you into a retail fund called Hub twenty four. Now I know Reason's already on board, but have you other than that, have you heard of Hub twenty four before or retail rep platforms? Or No. I haven't heard of him at all. no. That's okay. So Hub twenty four is an investor pro an investor platform. They do super accounts, pension accounts, and normal investment accounts as well. Hub twenty four and other platforms like it, there's MyNorth, BT, Panorama. There's lots of map there.","start_word":1162,"end_word":1267,"sentiment":"neutral","sentiment_score":0.05620350688695907},{"text":"We like them as advisers because they actually give us access to a lot more different investment options.","start_word":1268,"end_word":1285,"sentiment":"positive","sentiment_score":0.37988123297691345},{"text":"So while plus Host Plus tends to give you access to just over 20 different investment options, Hub twenty four gives you access to 1,140 different investment options from here in Australia and overseas. That's looking at managed funds, exchange trader funds, and also, you know, individual shares as well. So we can build portfolios that are working harder, but it also gives us access to alter and change those portfolios moving forward, which is really important. Part of making sure your super is working harder for you is reviewing the investments over time and making changes to them, being able to rebalance them because they're always working harder for you now. Because what might be recommended initially in a couple of years might need to be altered and changed for you so that your super continues to work hard and grow on compound over time. Okay? Yes. That makes Yeah. So with regard to Hub sense. '24, with regard to the change there, we'd be putting you into our growth investment. We increased that from 75% to the 82% invested there.","start_word":1286,"end_word":1467,"sentiment":"neutral","sentiment_score":0.12474677711725236},{"text":"So you have more of those growth investments working harder for you, making your money work towards your goals.","start_word":1468,"end_word":1486,"sentiment":"positive","sentiment_score":0.4013364911079407},{"text":"And then we're gonna decrease those defensive investments like cash and loans a little bit. So we're gonna go from 24. 3% in defensive investments down to 18%. So you're taking a little bit more risk, but also wanting to increase those returns as well. The investment portfolio that was generated for you over the past five years has averaged about 10.9%. So, essentially, it has averaged about 3.34% more than what your current portfolio is averaging, which if it's compounded Yes.","start_word":1487,"end_word":1567,"sentiment":"neutral","sentiment_score":0.19037358545594743},{"text":"forward, can actually see you grow your super and provide a greater benefit.","start_word":1568,"end_word":1580,"sentiment":"positive","sentiment_score":0.6329766511917114},{"text":"When we look at the ten year projection in your current portfolio, we can sort of see an estimate you should end up with about a 177,662 in ten years. Whereas with the recommended portfolio, we can see that balance to grow to just over 205,000 in ten years' time. So it does give you a greater benefit depending on how the market reacts. Okay? Yes.","start_word":1581,"end_word":1646,"sentiment":"neutral","sentiment_score":0.2147877067327499},{"text":"Beautiful.","start_word":1647,"end_word":1647,"sentiment":"positive","sentiment_score":0.6224561929702759},{"text":"I have considered contributions going into the account because we do know your employer is supposed to pay them, and you were trying to get them in there. And now they're going in.","start_word":1648,"end_word":1680,"sentiment":"neutral","sentiment_score":0.27645623683929443},{"text":"That is fantastic. We'll make sure to monitor and see them moving on a regular basis.","start_word":1681,"end_word":1696,"sentiment":"positive","sentiment_score":0.49978357553482056},{"text":"And with the legislation Yeah. changes coming into effect, your employer will need to make those contributions in line with your wages.","start_word":1697,"end_word":1718,"sentiment":"neutral","sentiment_score":0.20268601179122925},{"text":"So we'll have true dollar cost averaging, which means you'll be able to take advantage of the market ups and downs moving forward, which is fantastic.","start_word":1719,"end_word":1744,"sentiment":"positive","sentiment_score":0.4923982620239258},{"text":"Okay? Yes. Now Hostplus is a little bit more we it does cost a bit more administration fees, so we understand putting you into a retail platform does mean the administration fees are slightly higher. So with your administration fees within Hub twenty four, it'll show you about $480 more for the first year. However, your investment fees are decreased by 563. So at the moment, in host plus, your investment fees are costing an average of about $848. In Hub 24, we can reduce those investment fees down to 285. So whilst your admin fees go up a little bit by utilizing this platform, this sophisticated platform, your investment fees actually decrease, which is actually gonna save you overall at the end of the day. Okay? Yeah. Yeah.","start_word":1745,"end_word":1873,"sentiment":"neutral","sentiment_score":0.11744678020477296},{"text":"That will. Perfect.","start_word":1874,"end_word":1876,"sentiment":"positive","sentiment_score":0.5171567797660828},{"text":"As I mentioned, the growth portfolio will put you in, see if you're taking on a little bit more risk there, but also making sure your funds are working harder, and the five year rolling average return has provided a greater level of return, which is important. One of the things we did also talk about was the fee structure. So by coming on board with O. T.","start_word":1877,"end_word":1944,"sentiment":"neutral","sentiment_score":0.26821041107177734},{"text":"Financial, everything we do up until the point you decide to come on board is completely complimentary.","start_word":1945,"end_word":1961,"sentiment":"positive","sentiment_score":0.3785291910171509},{"text":"If you decide to take on the recommendation to come on board with us, we do charge an implementation fee for running through the implementation of the advice and the cost of providing the advice as well. That implementation fee is essentially deducted out of the super fund at the time the funds are rolled over, and we estimate that to be $2,614 for this document. It's 3.3%, and it's capped at balances of 150,000. So it shows you in here. And how that essentially works is with the implementation, we'll open up your super account. We'll roll the funds from Post Plus into Hub 24.","start_word":1962,"end_word":2067,"sentiment":"neutral","sentiment_score":0.24263638257980347},{"text":"As soon as the funds hit the account, we deduct that fee of $2,614. Then we have the funds invested for you, and then it starts to make that money back nice and quick.","start_word":2068,"end_word":2101,"sentiment":"positive","sentiment_score":0.3886248767375946},{"text":"Does that make sense? Yeah. My only question around that is, Sure. obviously, we're super outstanding from two employers currently. Mhmm. When you close that Hostplus account, how does that super get found to be into the correct account? Like, is there a way that it doesn't get go into the ether or gets put into the correct Yeah. So with the Hostplus account, if your employers are gonna pay money into it, if Hostplus receive account. money from past employers, they will just reopen the account, and we'll be able to roll those funds back over into hub 24 without any issues whatsoever. The other option is if if they don't pay it to Hostplus, if the ATO collect the funds, because at tax time, your past employers are also supposed to declare how much they've paid for all their employees in regards to, their employer contributions. So if the ATO decides to collect the money, the ATO will collect it, put it in their holding account, and they find your open account for you and have the money moved into HUB 24. So either way, if it does go into host plus, we'll be able to help you with it. You'll get notified, and we'll just roll the funds into HUB 24 so it's all consolidated again for you. But if Yes. the ATO collect the funds, they'll look for your open account because they'll have a record of it, and they'll be able to deposit that into the Hub twenty four account for you as well. Yeah. That makes sense. Yeah. We can also with your current employer, we'll also give you a choice of Superform. So you'll be able to give him that and say this is where my employer contributions need to go into so he can start making those employer contributions straight away into that account for you. We can also Yep. give it to you. So if you did wanna just provide that to your past employer, you can go, hey. This is where my super is now. Make sure those Yep. contributions go into here. And, hopefully, they can even just change what they're paying them through to as well as part of their payroll. Okay? Yeah. Yep. That makes sense. Yeah. Easy. Either way, we'll make sure we help you with that.","start_word":2102,"end_word":2492,"sentiment":"neutral","sentiment_score":0.11597924338429784},{"text":"It's not a problem at all.","start_word":2493,"end_word":2498,"sentiment":"positive","sentiment_score":0.3395524024963379},{"text":"We're pretty well versed in making sure we find money. Part of that process is if you come on board as well, we always do a lot super search for you. So we send off what's called a lost super document to the ATO, and we get them to go out there and look at any previous super funds that you may have or any lost money or anything that's owed to you, and we sort of get them to do that search on your behalf to see what else we can find and sort of consolidate into your super fund as well. So as part of our process, we'll make sure that lost super search is done for you as well. Okay? Yep.","start_word":2499,"end_word":2622,"sentiment":"neutral","sentiment_score":0.1879022717475891},{"text":"Sounds good. Beautiful.","start_word":2623,"end_word":2625,"sentiment":"positive","sentiment_score":0.6250442862510681},{"text":"So that's the implementation fee. As I said, it's only charged if you do decide to come on board. It's a one off fee for this advice document.","start_word":2626,"end_word":2653,"sentiment":"neutral","sentiment_score":0.13557586153703077},{"text":"We do provide ongoing advice and support to you at no additional charge with regards to that.","start_word":2654,"end_word":2670,"sentiment":"positive","sentiment_score":0.4411186277866363},{"text":"We never charge this implementation fee ever again for any advice that you provide. The other fee that we do like to disclose or have to disclose is the ongoing service fee. So by coming on board with us, you will pay an ongoing service fee. Because Reese is already a client with us, it is reduced to 1.1% for yourself. And if you decide to come on board, we'll also reduce that for Reese as well to reduce his fees. Essentially, Yeah. you'll see in the advice document here, we estimate for the first year based on your balance, the fee to be $892, and that's essentially it's 1.1% on a yearly basis. And the way the ongoing service fee works is it is deducted in smaller monthly increments on a regular basis. So you pay a smaller amount each month, and it just kinda adds up to the 1.1 at the end of the year. We also cap our fee currently at 600,000. So if we can get your balance up to that million dollar mark, we don't charge 1.1 percent on a million dollars. We cap that at 600,000 for you as well. Okay? Okay.","start_word":2671,"end_word":2868,"sentiment":"neutral","sentiment_score":0.16489772498607635},{"text":"Beautiful.","start_word":2869,"end_word":2869,"sentiment":"positive","sentiment_score":0.6339603662490845},{"text":"We've also got at the moment, you've got some insurances in your fund there as well. I'll go to those shortly as well. The other thing I kinda just wanted to point out was just giving you a quick run through of the investments there. I know you're not looking at the documents, so it can be a bit a lot to go through with the investments. But, essentially, once we remove your funds out of hub twenty four, you'll see your money distributed across a diversified portfolio, which includes access and exposure to cybersecurity. So areas like India, The US, we're also looking at Australian equity as well with Afiniti. One of the things that you and I talked about was whether you wanted to see any active management in your portfolio, and you wanted to give that active management a go for the first year or two to see how that would perform. So we're looking at Afiniti Australian Fairs. Affinity are an active investment manager, and they tend to have between 20 to sorry. 20 to 35 different investments within their portfolio, and they're trying to outperform against the market. So we are and have recommended Alfiniti as an active manager giving you exposure to the Australian share market, making sure we have exposure to Australian shares, and we'll make sure we just review that with you on a regular basis. If at any point we feel that's no longer performing, it's not doing what it's supposed to, we'll look to replace that for you down the track. Okay?","start_word":2870,"end_word":3131,"sentiment":"neutral","sentiment_score":0.09645930774339284},{"text":"Sounds good. Beautiful.","start_word":3132,"end_word":3134,"sentiment":"positive","sentiment_score":0.5429419279098511},{"text":"But your portfolio also will give you exposure to global health care. We've got the RAFI Australian 200 to giving you access to some of the top 200 companies on the Australian share market as well as the Aufiniti exposure. We've got the JPMorgan Global Enhanced Research Fund. Essentially, JPMorgan and their research team look at areas growth globally and try to invest in areas where we see or where they see potential growth. And global exposure is really important for diversification. Ultimately, diversification is the best form of risk management, so we try to make sure we're diversifying across many different asset classes as well as industries and countries as well. Okay? Yep. And then you'll also see your funds diversified across having some fixed interest in there, so core composite bonds, and also some high yield interest accounts as well, which is quite good.","start_word":3135,"end_word":3280,"sentiment":"neutral","sentiment_score":0.19620123505592343},{"text":"And then we've also got some physical gold in there because having commodities is a fantastic asset, and also some cybersecurity in there for you as well because there is a growth area moving forward down the track.","start_word":3281,"end_word":3318,"sentiment":"positive","sentiment_score":0.34922656416893005},{"text":"So have a look at the investments. I've just kinda gone through them a little bit basically for you because so what to kinda go into each one individually when you're not looking at the document. But if you have any questions about any of those investments, you're welcome to let me know.","start_word":3319,"end_word":3371,"sentiment":"neutral","sentiment_score":0.1164439097046852},{"text":"I'm more than happy to break it down and give you a bit more detail.","start_word":3372,"end_word":3386,"sentiment":"positive","sentiment_score":0.4097901284694672},{"text":"But do you have any questions so far at all? None. None at all. Sounds Really? like it's pretty calculated. Yeah.","start_word":3387,"end_word":3407,"sentiment":"neutral","sentiment_score":0.09349742531776428},{"text":"Fantastic.","start_word":3408,"end_word":3408,"sentiment":"positive","sentiment_score":0.589509904384613},{"text":"With any supermom, we also do hold a certain amount of cash. We just try to make it a minimal amount of cash in the account, which covers essentially administration fees and things like that. So within HUD twenty four, you'll just need to take 1.25% cash in the account. It does work out you should have about $957 in the cash account there, but we monitor that for you. And HubSpot me for you'll probably notice we'll do a regular once a month. They do, like, a cash management thing where they just, you know, buy and sell to make sure that a cash account is topped up to the correct amount. So you'll see that Yep. in the document there as well. Okay?","start_word":3409,"end_word":3533,"sentiment":"neutral","sentiment_score":0.208408921957016},{"text":"Yep. Beautiful.","start_word":3534,"end_word":3535,"sentiment":"positive","sentiment_score":0.5403087735176086},{"text":"Now with the insurance side of things, at the moment within Hostplus, so you do have a bit of life and TBD. So you've got 229,160 of life and TBD cover. We talked about wanting to make sure that if anything happens to you with life and TPD that the mortgage is essentially covered. So what I'm recommending is that we are transferring the current benefit from a host bus into hub 20 four. The reason I'm recommending that we do transfer that to begin with is that we went through a bit did that pre assessment with you. With the pre assessment, having a look at the molds that were cut out, because of sort of what had happened, there is a risk that it could be a cancer exclusion on any new policies that we receive. So I am making a recommendation that we apply for new cover, but to limit the risk of having exclusions on as much of your cover as possible, I also wanna transfer over the cover from host plus into hub 24. Essentially, Yep. how this works is we the cover you have in host plus at the moment doesn't have any loadings or exclusions on it, and it gives you the first two hundred and twenty nine thousand one hundred and sixty of life and TBD completely exclusion free, which means that you can claim on it for any illness or injury, whether it's preexisting or not. So I wanna transfer that cover over from post class in the hub 24. It essentially means that you have the same level of cover and you hold a level of cover with no exclusions and no loading from the policy. We're then gonna make sure that you do have a little bit more cover and do what's called a top up cover with Clearview and apply for 420,000 of life and TBD. That tops up your existing life and TBD cover to the level to cover the mortgage if anything happens to you. But because there is a risk with underwritten cover of having a cancer exclusion on there, there's a chance they may not put the exclusion on there, and that's great. But because there is a risk of that, I wanted to make sure we didn't have the exclusion on the whole cover that we could limit that as much as possible. So with ClearView, with it being underwritten cover, at the time of the application, you go through all these medical questions, and they're gonna wanna get reports from your doctors around the pathology and what happens. So with that, if they decide to add the exclusion, the exclusion would be on that 420,000, which still leaves you with that lower amount of 229,160 completely exclusion free. These exclusions would probably only be added to PDD, but there is a chance they may add it to life. They don't generally add exclusions to life. Life is life. When you pass away, the amount pays out. But disability cover is more is more open to having exclusions or loadings depending on health and depending on preexisting conditions as well.","start_word":3536,"end_word":4062,"sentiment":"neutral","sentiment_score":0.035431471761082786},{"text":"That's a little bit a lot to kinda go through.","start_word":4063,"end_word":4072,"sentiment":"negative","sentiment_score":-0.3417234420776367},{"text":"Do you have any questions in relation to that? I understand you may. Not off the top of my head. I Mhmm. am sitting at the computer now. I cannot see your email. No. That's okay. I'll see if I can send it again. It's it's telling me it's sending, but it's trying to send. That's alright. Let me just see. It makes sense to keep some of it so that there's no Yeah. exclusion. So that makes a lot of Yeah. sense. Yeah. So one of the things we look at like, if we didn't if we didn't look to transfer the cover from post plus and we just applied for enough cover to cover the mortgage just with Clearview, if they came back at the end and they had, like, this cancer exclusion applied, it basically means you're unable to claim on it for a preexisting condition. So you wouldn't be able to claim for cancer in related to the past the past illness, injury, or issue. Yeah. I think it was it was a mole that was cut out, wasn't it? It was a cancerous mole that they had removed. Is that right? Or a lump? It was a mom. Yeah. A mole. Yeah. Perfect. And, like, Yep. we all have lots of them, but they sort of wanna make sure it's the same as, like, when you have your car insurance. If we didn't have car insurance and the storm was coming and we call up the insurance and, hey. If storm's coming, I wanna cover my car for storm damage, they will go, no. We can't do that because Yeah.","start_word":4073,"end_word":4347,"sentiment":"neutral","sentiment_score":-0.07267957606098868},{"text":"the risk of you making a claim is much higher.","start_word":4348,"end_word":4357,"sentiment":"negative","sentiment_score":-0.4701556563377381},{"text":"So the same thing A 100 sort of percent. works when it comes to life and CBD insurance. They don't wanna cover for preexisting conditions because the risk of you making a claim is much higher. And that's why having some of this with your current host plus cover is really beneficial because it's what's called group cover. You haven't actually applied for this cover. It was just provided as a default option to you. So they actually have no idea about your health. They will do a health questionnaire with you at the time of claim if you had the claim. However, at the moment, it gives you that level of cover with no no exclusions on it. And as long as you've had this cover for a longer period of time, often with group cover, they don't really care that much about the the so the preexisting conditions. We've had this cover Yep. for a long time. It's been there for longer. You probably had that cover in place prior to the mold being cut out anyway.","start_word":4358,"end_word":4536,"sentiment":"neutral","sentiment_score":-0.07669159770011902},{"text":"So they're really not gonna look at that as a big thing, which gives you a lot more you have a higher chance of claiming on this $229,001.60 than the higher amount for the cancer if it ever came back, if you had the time on that. There's always a risk with insurances that you'll pay the premium, you'll get to retirement, and have never claimed on them, and they'll just cancel or we'll cancel them one of the two.","start_word":4537,"end_word":4616,"sentiment":"negative","sentiment_score":-0.4004470705986023},{"text":"So Yeah. it's Yeah. about covering yourself for that small one percent chance of having a risk. But the way this essentially works is that you'll have that default cover in place transferred to hub twenty four to give you a level of cover without any exclusions or loadings, and then we'll have the top up cover, which there is a chance there could be an exclusion attached to. There's also a chance they may not apply the exclusion. It just comes down to how the underwriters assess the application and what comes through in the medical reports as well for you. Okay? Yep.","start_word":4617,"end_word":4720,"sentiment":"neutral","sentiment_score":0.01199860218912363},{"text":"Excellent.","start_word":4721,"end_word":4721,"sentiment":"positive","sentiment_score":0.6055194735527039},{"text":"With the cover, it will be paid out of the super funds, so it doesn't it's not gonna come out of your back pocket in any way, shape, or form.","start_word":4722,"end_word":4751,"sentiment":"neutral","sentiment_score":0.22455847263336184},{"text":"And, essentially, having a look at that, you do get a 15% discount on paying for insurances out of super, which, again, is really quite cool. We do love that.","start_word":4752,"end_word":4781,"sentiment":"positive","sentiment_score":0.4434322714805603},{"text":"But we do expect the premiums to be about $488 for the year. It is an increase because we are increasing the amount of cover, but it's only increasing the cover by about $241 for the year. So it doesn't have a large impact on your super, but it does have an impact over time. And we wanna make sure we review the level of cover you have, how it's paid, how much it's costing you so that we can adjust that down the track as well.","start_word":4782,"end_word":4868,"sentiment":"neutral","sentiment_score":-0.024053944274783134},{"text":"The biggest thing is when you sort of look at insurances, when you consider the five, ten, and twenty year impact, insurances do get more expensive over time as the risk of you making a claim increases as you get older.","start_word":4869,"end_word":4909,"sentiment":"negative","sentiment_score":-0.35907217860221863},{"text":"So we do wanna make sure that you hold the level of cover you're after. You are paying a a fair premium for it, but that is not impacting your super very heavily there. So we will just wanna review that with you moving forward. Does that make sense? Yeah. That makes sense. Yeah.","start_word":4910,"end_word":4963,"sentiment":"neutral","sentiment_score":0.11809852719306946},{"text":"Beautiful. All good.","start_word":4964,"end_word":4966,"sentiment":"positive","sentiment_score":0.6700800061225891},{"text":"The last part of the advice is essentially the beneficiary nominations. So we will make sure that you have beneficiary nominations applied to your life cover, both with hub twenty four and with Clearview and on your hub twenty four super account, making sure that if anything did happen, touch wood, nothing ever does. But if anything did happen, that your super and life insurances are paid out a 100% to raise so that he can take care of your family, making sure to pay off the mortgage and take some time off to alleviate stress and pressure and work out what he wants to do moving forward. So we will help you to make sure those apply to the account. We do also make sure add add in here a recommendation around speaking to this list that I know we had provided the email a while ago there. If you do need another one or did need a referral through, let us know. But doing up a will and power of attorney as we've gone through is really important for protecting your family in long term there as well. Okay? Yep. Yeah.","start_word":4967,"end_word":5159,"sentiment":"neutral","sentiment_score":0.1882489323616028},{"text":"That Beautiful.","start_word":5160,"end_word":5161,"sentiment":"positive","sentiment_score":0.4301174581050873},{"text":"makes sense.","start_word":5162,"end_word":5163,"sentiment":"neutral","sentiment_score":0.3317694067955017},{"text":"Excellent.","start_word":5164,"end_word":5164,"sentiment":"positive","sentiment_score":0.44326668977737427},{"text":"We've also got in here when you are so the email that it has sent, it might just take a minute. I'm not sure how things are there. We've had some Shit. a lot of rain. We've actually had about 200 normal rains the last forty eight hours. Yes. I'm working from home today because it's, like, there's local flooding and things like that. So Jesus Christ. it might take a minute for the email to come through to you. I do apologize that we might having some issues with the phone lines as well. Sorry about that. No. That's alright. Queensland never ceases I to amaze at this time of the year. know. I actually said today, maybe I need to move to somewhere a little bit less wet. No. It's staying Queensland. It's It's a good place. it's pretty crazy how often we end up with this much rain. And, yeah, we all woke up, and our bosses are like, you know what?","start_word":5165,"end_word":5329,"sentiment":"neutral","sentiment_score":-0.04180755731508587},{"text":"There's still a high risk of flooding, local flooding in certain areas.","start_word":5330,"end_word":5341,"sentiment":"negative","sentiment_score":-0.3598944842815399},{"text":"It's all work from home. It's just gonna be easier for everyone and safer for everyone today, and then the phone lines have been a little bit erratic. So Yeah. sorry about That's that.","start_word":5342,"end_word":5375,"sentiment":"neutral","sentiment_score":-0.026464048773050308},{"text":"all good. That's all good. Yeah. All good.","start_word":5376,"end_word":5383,"sentiment":"positive","sentiment_score":0.455100953578949},{"text":"On when you do look at the document, on page 47, you will see the breakdown of the remuneration side of things. As noted, the implementation fee is 3.3%. The cap advance is a 150,000. Your balance is well below that, so the amount there that we expect is 2,614. With insurances, we do also receive remuneration from the insurer for making these recommendations once they are in place. These are legislated the same across the board, so they don't have any effect on what my recommendations are. But with regards to the Clearview recommendation, if the insurances are accepted and go into force, we would receive $248 for the first year based on 66% of the first year's premium, and then 22% say ongoing and a $145 moving forward as well. So we just like to make sure we're disclosing all of that to you to make sure you're fully aware of everything. And you'll also see the ongoing remuneration. So the fee breaks down at 1.1 for you. And if you decide to come on board, we'll make sure raises is also reduced for you as well. Okay? Yep. Makes sense.","start_word":5384,"end_word":5576,"sentiment":"neutral","sentiment_score":0.1646991670131683},{"text":"All good. All good.","start_word":5577,"end_word":5580,"sentiment":"positive","sentiment_score":0.5185800790786743},{"text":"How I would go through implementing the advice is essentially if you decide to take everything on board there, Elise, you'll sign the document, return it back to us. Attach to attach this DocuSign, you'll also have for your reference the appendices. I've also got a copy of the statement advice attached as an as an extra document. We've also got the HUD 24 PDSs, the card disclosure statement for Clearview, which is the recommended insurer, and it's also got our financial services guides attached for your reference as well. We also do have your original fax line filled out and the application for hub 24. So if you decide to sign it, it'll kind of ask you to sign all those documents. It just makes it easy to sign everything all at once. But if you are running through and having a look, it might be why this is taking a bit longer as well. There is quite a few attachments attached to it. So it's probably thinking about sending all of them to you. I do apologize about that. But, yeah, if you once you do sign and return that back, we'd start by just opening up your Hub twenty four super account. We start by completing just a partial rollover. So we leave 10,000 behind in the host plus whilst we get your insurances in place. That keeps your insurances in place host bus active until we can have the transfer completed and get the Clearview policy in place. Once those insurances are fully in place, then we complete a final rollover. We'll make sure in that time you also get your employer contributions form. We'll also do the lost super search there for you, and then we'll make sure your beneficiaries are also up to date there. So we do things in a little bit of more timely manner if you're unaware of what's happening, But we also do things to make sure we're not canceling insurance's prematurity, keep you protected at the same time. Okay? Yep. Yep.","start_word":5581,"end_word":5922,"sentiment":"neutral","sentiment_score":0.09618953157935226},{"text":"That makes Beautiful. sense. All good.","start_word":5923,"end_word":5928,"sentiment":"positive","sentiment_score":0.46085283160209656},{"text":"Now I know that is quite a bit to go through. Is there any questions that are sort of coming to mind at the moment with regards to any of that, or you just wanna take some time to read it over when it comes through? Yeah. I'll probably just read it over when it comes through. I don't have any questions currently. I like Yeah. that everything is pretty transparent on fees though that you're being really upfront about that. Yeah.","start_word":5929,"end_word":6010,"sentiment":"neutral","sentiment_score":0.06337220966815948},{"text":"Perfect.","start_word":6011,"end_word":6011,"sentiment":"positive","sentiment_score":0.3630867004394531},{"text":"Because, yeah, I can see in the last two years, all I've really paid is fees at Post Yeah. Plus Yeah. because there's been no contributions. Yeah.","start_word":6012,"end_word":6038,"sentiment":"neutral","sentiment_score":0.07192959864106444},{"text":"So, yeah, it's it's nice to hear what they all are straight out of the Beautiful. bat. Beautiful. So, yeah, I like that transparency. Thank you for that. That's okay. That's not a problem at all.","start_word":6039,"end_word":6074,"sentiment":"positive","sentiment_score":0.5303611755371094},{"text":"When that does come through, feel free to have a really good look for the document where I've put in each of those recommendations of best interest duty, which links back to your goals and why the recommendations are in your best interest. I've also outlined all the advantages, disadvantages, the risks involved, and any alternatives considered as well.","start_word":6075,"end_word":6133,"sentiment":"neutral","sentiment_score":0.24778196215629575},{"text":"So you're welcome to run your eyes over that. Have a really good read through.","start_word":6134,"end_word":6148,"sentiment":"positive","sentiment_score":0.4064233005046845},{"text":"Let me know if there's any additional questions that you might have, and, yeah, if you're happy to take on board the recommendation. So just get you to sign and return it back. Alternatively, any questions at all, come back and let me know. I'll make time to run through it with you, and we can have a chat about, you know, what what your questions are and how to answer them. And if there is any part of the advice that you don't wanna take on board, we do have a little text box on the last page. You're welcome to write there if there's any alterations or any part of the advice you don't wish to proceed with. Okay? Yep. Sounds good. Easy.","start_word":6149,"end_word":6273,"sentiment":"neutral","sentiment_score":0.1578758955001831},{"text":"Thank you so much.","start_word":6274,"end_word":6277,"sentiment":"positive","sentiment_score":0.42225608229637146},{"text":"I will let you go. You can have a bit of time to reach you that one. I'm I'm gonna go back in and see if it needs me to resend it again because it's telling me it's sent, but I also know my computer's a little bit slow. So I'll go back into the back end there and probably just try to resend the document for you as well. So, hopefully, it pops through in the next few minutes and then just, yeah, take some Yep. time. Okay? No stress. If it doesn't come through today, I'll message you tomorrow. I understand Yep. you're working remotely, and there's some natural weather that you cannot Absolutely. help. Good luck Queensland. Hey. At least you get warm. Down here, it's just bloody freezing. Oh, I bet it is. I bet it is. We're still I in I'm I'm still in 20 shorts, degrees. though.","start_word":6278,"end_word":6430,"sentiment":"neutral","sentiment_score":0.0260406553842663},{"text":"I'm So happy with that. Oh, nice.","start_word":6431,"end_word":6437,"sentiment":"positive","sentiment_score":0.3621641099452973},{"text":"I'm still wearing shorts even though it's, like, Yeah. currently well, it's 19 degrees in the house, but I think outside is about 12. Yep. Yeah.","start_word":6438,"end_word":6463,"sentiment":"neutral","sentiment_score":0.04697870090603829},{"text":"Nice.","start_word":6464,"end_word":6464,"sentiment":"positive","sentiment_score":0.4074842929840088},{"text":"We'll Oh, be fine. You get we'll used to get it. through that winter. Yeah.","start_word":6465,"end_word":6479,"sentiment":"neutral","sentiment_score":0.18970748782157895},{"text":"Absolutely. Apartmentizing. Yes. Thank you so All much for good. your time, Dana. My pleasure. It's been a pleasure putting this together for you. Again, if there's any questions, let me know. But I hope you have a wonderful day, and thank you for calling me back. I appreciate your time. No worries. Thank you, Dana. Talk soon. Thanks. See you later.","start_word":6480,"end_word":6541,"sentiment":"positive","sentiment_score":0.6471733450889587},{"text":"Bye. See you. Bye.","start_word":6542,"end_word":6545,"sentiment":"neutral","sentiment_score":0.26459503173828125}],"average":{"sentiment":"neutral","sentiment_score":0.11021190942157798}}}}