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Good. Oh, no. That's okay. I thought I could hear something in the background. Wasn't quite sure what that was. No. All good, Colleen. So you're on your way home at the moment in traffic there, so you clearly don't have access to your emails. Are you okay if I just run through essentially the updated advice and let you have a look at it later? Is that okay? Or yeah. That's okay. All good. Or did you want me to maybe give you a bit of a callback later when you're at home? What's easier for you? No. No. That's okay. Not a problem at all. Look. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. So, Colleen, look, the advice document was essentially centered around the superannuation and the insurances. You obviously have quite a lot of insurances between the two policies there. And when you and I spoke last year, we talked about looking to try and alter those insurances so that you have the level of cover you're after, but that we can hopefully reduce the cost a bit for you as well. Yeah. All good. So just wanting to obviously start on that for you. When you do look at the advice document, which I have emailed to you as well, that'll be in your inbox. It does note here that the document has been prepared as of today's date. All of our advice is valid for sixty days, so take some time to have a read through the document. Let me know if you do happen to have any questions there. On the front page, it also has my authorized representative number as in a licensed adviser with ASIC, and my license number is 1304394. Okay? Beautiful. Now since we did speak last year to do a bit of a catch up with you at the end of last year, we have sort of also done a bit of research around your super. Hub twenty four is working really well for you. However, we have noted that some of the investments have underperformed a little bit this year, so we wanted to make sure your super is working as hard as possible as well as, obviously, having your insurance is hopefully re reduced a little bit for you. So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch. So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit. So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you. Okay? Excellent. I won't go through all the individual investments. They're kinda confused. It'll make it too overcomplicated. But when you have a look at that side, the at that page of the document, you'll see you've got a list of the investments. It also has what we're gonna be buying and selling in red and green, and the last column essentially shows you what the target weighting will be. So once we complete the switch, you'll still see a bit of physical gold, cybersecurity, Australian equities, US equities, and a bit of European, Japanese, and global exposure in there, but just wanting to make sure your super is working as hard as possible for you. One of one of the things I sort of looked at as well was how, obviously, the newer portfolio versus your older portfolio has performed. When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at all. But by making the switch, you'll see when you see the documents there, the newer portfolio has actually performed and showed an average rate of return of 11.55% over the past five years. So so so long as market conditions act the same as they have, if you're able to get that same performance over the next five to ten years, it actually increases the returns that you're able to get and does put you in a better position long term. It increases the projected amount over the next five to ten years for you. Okay? Excellent. With making any changes to the investments, we are very mindful that your super fund, like you, does a tax return every year, so there are tax consequences inside super for making investment changes. We did do the research noting that the expected CDT cost for your super force switching the investments out and making the changes that I've recommended, we'd expect it to be about $846 in CGT, so not too bad. I did look at moving you to other platforms, but it works out better to stay where you are. It minimizes the CGT. And this investment portfolio we're looking to move you into by making those changes actually also saves you about $211 for the year on investment fees as well. So it's you know, had a much better past performance is a bit cheaper in investment fees, and essentially can put you in a much better position moving forward. So that's why we decided to make the switch and move some of those investments around for you. Okay. All all good. I didn't wanna make that too overcomplicated and confuse you too much, but have a look at that page on page 16 when you see the document. You'll see the red and the green, which shows you what we're buying and selling. And the last column, as I said before, just kind of reiterate what the your what your expected exposure is after we complete the switch. If you have any questions in relation to those investments, let me know. I just don't wanna overcomplicate it whilst you're in traffic there for you. All good, Colleen. Now all the other thing I sorta had to look at was, obviously, your cash balance is a little bit high at the moment. So within super, we only wanna hold a bare minimum amount of cash. You want most of your money to be invested. So at the moment, you've got about 2% cash there. We only wanna hold about 1.25%. So we will be taking some of the extra cash and investing that in the portfolio for you as well. Okay? Excellent. Now one of the biggest things that we were sort of talking about was your insurance policy. So you have your insurance policy with one pass and tow, and it is costing you a lot at the moment, and that only gets more and more expensive over time. When we sort of spoke last year, your goal was with regard to the insurance there. You wanted to make sure that in the event of, you know, you passing away, that your mortgages were covered. You wanted to use with the gross income as well and then also have the funds paid out to your three nieces and nephews to make sure they were looked after in the event of something occurring. With regard to TBD, so total permanent disability, again, you wanted to be able to pay out your mortgage and cover up to five years worth of income replacement for you to live on, and then also make sure you had enough income protection to cover up to 70% of your income. We talked about having the shortest waiting period possible and keeping the benefit period at age 65. So because you're a veterinarian nurse, you spend a lot of time out and about, and the likelihood of you being off work for a long period of time or suffering a major injury, that's pretty high on the spectrum there. So making sure you had a good benefit period for your income protection. And then we also talked about trauma. So trauma pays out a lump sum benefit in the event of you being unable to sorry. May sorry. Diagnosed with a major traumatic illness or injury. Essentially, trauma is an out of pocket expense, and we talked about just looking to cover you for one year's worth of gross income because trauma is not paid inside super like the other types of cover. When we spoke, he wanted to see what the cost of trauma would be and then look at whether that was cost effective for you to apply for. Does that also ring a bell? Does that make sense? Yep. Does it all sound appropriate still? Yep. Beautiful. So when I had a look at the two policies that you do have with Telum OnePath, I've essentially been able to work out a way that we can alter the policies there. So we also talked about with TPD how there is taxation on TPD if you claim and you're under 60. So we also wanted to gross that up to account for the tax side of things for you. And we've also just do sorry. Minus off your super balance so we can have that as a bit of a buffer. Essentially, with your current cover with one pass, your life and TBD benefit is at 921,867. They are a linked policy paid out of super. And then you've got your income protection policy giving you a monthly benefit of $3.04 sorry. 3,411 on a thirty day wait and a $8.65 benefit. Now this policy you've had here is the longest policy. This the one that we have an authority on and has been set up since 2021. This policy is a really great policy. The income protection side of that isn't quite meeting that 70% of your income side of things. So the way I've been looked at to alter the policy is that we're going to reduce the one path policy, life and TPD back to a need. So we're gonna reduce the $9.21 back to 630,000 for the life and TPD. That reduces some of the costs for you and retaining the income protection exactly as it is because it has the lowest waiting period. It has the age 65 benefit period, and the income protection policy isn't quite at need. So that will reduce the cost a little sorry, a little bit for you. That essentially reduces your premiums from 5,355 and 70¢ to $3,177.55 approximately that. Okay? The second policy you have is the power policy. You've got over 390,000 of life and TPD there, again, paid out of super and an income protection policy with a monthly benefit of $4,566 on a sixty day wait and with only a five year benefit period. What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD. I am recommending with the power policy that we set up for you when you came onboard with us that we cancel the life and TBD out of that. That will reduce the cost for you. And then we just reduced the income protection policy down to 650 as a monthly benefit. That offsets what you've got on the one pass policy and essentially meets your needs. That means you're reducing your costs very significantly, and the policy the amount that is expected to be paid for these policies after we do these reductions and cancellations saves you over $4,152 in premium. Sorry. You're right? It is quite a significant, yeah, it is a quite a significant saving. So what I would like to do and the other thing with the one pass policy is, that does go through renewal every year, and those premiums do increase along with CPI or along with their set interest increase rate. So each time the one pass policy goes to renewal and that monthly benefit of your income protection increases slightly, we can reevaluate that against the TOW policy and continue to reduce that income protection policy with Tower. So, eventually, we'll be able to cancel that policy wholly. That essentially the reason I wanted to cancel the Tower policy wholly is that your your one pass policy has been held for much longer. That way, it does provide greater benefit. The thirty day wait and the eight sixty five benefit period suited your needs more, whereas the towel policy only had a sixty day wait and a five year benefit period. So the towel policy is absolutely less the period than the one part policy. Yes. The one pass policy has been held longer and can cost more, but it is that it's retained that way possible. So this is sort of what I wanted to do with that. It does save you over $4,000 in premiums, which is a positive, But we just have to keep making sure that those policies stay in line with your needs because they will continue to get more expensive over time, and we wanna keep reducing those back as we need to. Does that make sense? Beautiful. Yeah. I know it is a lot to go through. So when you have some time, you're able to check your emails. Please have a look at the documents and read through those pages. The breakdown of the recommendations around insurances are on page 22 for you, so that will certainly help. And let me know if you do happen to have any questions there. Okay? Excellent. Now the other thing we talked about was the life and trauma. So you wanted to see what trauma would cost you. Essentially, we were looking at applying for about one year's worth of income. You were on about 70,000 per annum when we spoke last. Is that still roughly your income? Yep. Beautiful. Excellent. So what I've done is I've had a look at trying to apply for, trauma, and we've looked at doing it with one path. Obviously, there's lots of different options out there for insurance companies, but I tried to sort of make it so you didn't have, you know, three or four different insurers ahead of you. So we're looking to apply for trauma with one path. And now trauma policy stand alone can be kind of expensive. So the way I've tried to adjust the premium, make it more cheaper for you is to also add a little bit of life cover to it. So we're attaching the at life and trauma policy together with a benefit of 70,000, and that essentially would cost you about $37.91 on a monthly basis. And that gives you a lump sum tax free payout in the event that you're, you know, diagnosed the major conditions, the things like heart attack, strokes, Parkinson's, other neurological conditions, and your cancer is probably the biggest one that is claimed on trauma. It is an out of pocket expense there, but having a life benefit attached to that also provides you with a benefit. So under with life insurance held inside super, you actually don't get any sort of upfront assistance for funeral. However, if you hold a little bit of life cover outside of super and pay for that premium out of your back pocket, You actually do get, the benefit of having some funeral expenses. With OnePath, if you were to pass away prematurely by holding a life policy out of pocket, they would pay up to 25,000 upfront to the executor of your will to be able to help cover your funeral expenses for you. So it's essentially the amount of the policy or 25,000 as the highest lump sum, which if you think about it could help to pay for a pretty significant funeral. Yeah. So that's one of the benefits to doing so. With trauma, we do link the policies together, and we do always, when we are linking policies, have a buyback option. So with linking trauma and life together, and then with them both having the benefit amount of seventy thousand, if you say, for example, got cancer and claimed that seventy thousand of trauma, that actually does cancel the life policy. So we add the buyback option onto that one so that after you've had the trauma claim, that life cover is reinstated back so you can claim that life cover later down the track. And we also add the reinstatement. So after having one trauma claim, they can reinstate the policy for trauma for you. So if there's a secondary event or a secondary diagnosis, you can actually claim that again. It's all part of making sure that when you're paying for insurance is that you get the benefits that really provide you with the most amount of cover possible. Does that all make sense? Please let me know if you have questions. All all good. All good. I know it's a lot, and I'm so sorry. I always try to, you know, go as easy as possible, but just making sure I touch on those points that I need to for you. Sorry, Colleen. Now the other thing is, obviously, on your current one part policy, you do have a a left knee exclusion that will remain on the policy currently. We will look down the track to obviously find out how we can have that removed. And at the moment, the policy, because it has been held for so long, does have a different adviser attached to it. So we are also gonna get you to sign a change of adviser form so we can have the policy transferred to us so that we can obviously take over and actually make changes to the policy for you and help you with it down the track if that helps. Okay? With looking at your health and after our conversation last year, it was obviously on disability covers. The left knee exclusion would be applied, you know, moving forward. There's nothing else that really flagged to us that would be of a major exclusion on applying for life and trauma. However, we do have to go through a new application. So if there is anything major, any preexisting illnesses, injuries that affect those sorts of covers, there could be loadings and or exclusions. But once you go through the application for those, I'll double check the application with the admin team prior to it being submitted. And if if there is anything that needs to be flagged, we'll have that conversation with you first. Okay? Excellent. Throughout the documents there, we do outline essentially the best interest and how this relates back to your back to your goals and why the recommendations are in your best interest. With regard to the insurances, they're retaining the one pass policy because it is the older policy. It does have the much more favorable terms, and, sorry, with your regards to your income protection is the better way to retain that one and is in your best interest. We're just in the towel policy because you don't need that much cover. You're currently over insured and paying a lot of money for that those premiums. And the more you pay for insurance premiums, the more it's affecting your retirement outcome, so it's good to always reduce those back. The the trauma and life paid out of pocket essentially meets your goal because it gives you that trauma policy giving you cover for one year's worth of gross income, and having life attached helps to reduce the cost of the premiums and also gives you the benefit of the funeral cover paid out in the event something was to happen for you. The downside is trauma, is an out of pocket cost. So that's 37, what did I say? Sorry. It was $37.91 would come out of your bank account or credit card on a monthly basis depending on how you choose to pay that. Okay? Yeah. Essentially, the other side the other thing to kinda go through is obviously the beneficiary side of things. So one of the things we talked about was that you wanted your in your insurance, your life cover, and also your super to be paid out to to your three nieces and nephews in the event that something was to happen to you. We are making a recommendation with the estate planning as well to make sure that in the event of something occurring, that they can receive a payment. Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that works? That's okay. So under essentially, when we look at beneficiaries, there are two forms of legislation that you have to abide by. Essentially, the first one is the CIS Act, and that controls who can be a beneficiary on super and insurances paid within super. Essentially, you need to be they need to be, sorry, your child, your spouse, or someone who relies on you as an interdependent relationship. So you pay for their bills. You look after them. They live with you. And at time of claim, they have to prove that they have that financial or interdependent relationship, and it can be very, very hard to claim to prove. So because your nieces and nephews don't quite qualify for that, I'm recommending that on the CalLife policy, the one pass sorry. On the the one pass policy and your hub 24 super that we do or that we do update your beneficiary nominations to legal personal representative. Now that essentially means that in the event of you passing, your super and life insurance would fully be paid out to your estate. And then you just need to make sure you have an updated will, have a will drawn up by a solicitor or do a will kit or however you prefer to do so. And in the body of the will, it just needs to clearly outline that you want the funds to be paid to your nieces and nephews and however whatever percentage that you choose for that to be in. The risk with updating the beneficiaries this way is that picking legal personal representative means that it goes through to your estate. That's absolutely fine. But if you don't have a will drawn up to then direct the funds out as per your wishes, then it goes through a probate process, which is a legal process of distribution of funds, and that can take anywhere between twelve to two years. I've seen it go for five years sometimes. So it is important that you do have a will drawn up as well. Okay? Beautiful. But when it yeah. It's all good. But when it comes to the beneficiary nominations, we will obviously help you. We if you're comfortable with us, my team can tick the boxes and prefill the forms as much as possible. We'll get them out to you. That way, they can be signed and witnessed. Witnesses just have to be over the age of 18, and it can be absolutely anyone you like. It can be your best friend or client, your next door neighbor, your mom and dad, anyone you prefer. So it's just about making sure that someone witnesses you signing them and that two people witness the nominations with you. Okay? Beautiful. And then I have obviously made a recommendation in here to set up a will and also power of attorney. We do have solicitors that we can refer you through to if you do require the services of them. Alternatively, if you just got a local solicitor who can set up a will, generally, getting a will in place is pretty cheap if you're just doing a very soft standard will. More complex will do get into sort of the $12,000 mark, but normally, anywhere between 3 to $500, you can just do up a very stock standard simple will. So, absolutely easy to do. Inside the document there, we do also have the advantages, disadvantages, the risks involved. I've as so added a best interest duty as noted onto, essentially, all those recommendations. So you'll be able to have a really good rate through those. Our ongoing service fee is also still applied. We've also attached the ongoing service agreement for the next twelve months through that email as well. So you do pay us a fee of 1.65% per annum, and that is deducted in smaller monthly increments out of your super for our services, updating the advice, and everything like that. We renew that with you every year, and we wanna make sure that these policies stay in line with your needs. Because as I said, they are gonna get more expensive over time, and we don't want you to have no super when you get the retirement there. So we will do reviews with you, making sure to keep them up to date, check them with you, and make alterations as we need to. With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us. It is paid by the insurance company and not by you. But for insurances across the board, we do receive 66% of the first year's premium and then 22% there ongoing for you. So that is stock standard across the board. It's legislated that way, and that has no effect on my recommendations in any way, shape, or form. Every recommendation I make has to be in your best interest, and that's why I have a best interest duty in there for you just relaying it back to your goals and making sure that I'm doing the right thing by you. Okay? With your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us. Essentially, with that policy being as it is so old, the commission structure is slightly different. It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about $374. When you look at the document, when you get to the end of it on page 39, we have outlined and sorry, 38. We have outlined the breakdown of the commissions that we do receive so that we are upfront and just disclose those to you. But just so you're aware, they are paid by the insurer to us, not by you. It's just the ongoing service that comes out of your super. That is the fee that you pay for. Is that okay? Do you have any questions? Do you have any questions in relation to any of that? Yeah. All good. All good. So to kinda give you a really simple run through of what we will do to implement this, we'll start by just doing your investment switch, just changing the investments, then we'll get you to sign the one pass form to change the adviser on that policy. We'll then go through a reduction with your tower policy, and we'll also reduce your life and TPD on the one pass policy simultaneously. We'll apply for the life and trauma policy to get that instated and then get your beneficiaries all in line as well. So that's how the implementation would work for this. Okay. Beautiful. That is all I'm going to sort of put out there for now. I've gone through everything I need, sir, and it's a lot. And I'm sure your head is a little bit exploding with information right now. Absolutely. I completely understand. But, look, although the s the statement of advice and all the quotes, all the supporting documents, the ongoing service agreement, all of that is in that email in in your inbox for you now. When you get some time, I would probably suggest make yourself a cup of tea, have a sit down, open up the email, run your eyes to the advice document. If you do have any questions, let us know. And, yeah, if you're happy once you've gone through it and read it and you understand it, if you are happy to proceed with the recommendations, we'll just get you to sign and return that. If there's any part of the recommendations you do not wish to proceed with, on the very last page, we do have a text box. So you can just write in there any part that you're not wanting to proceed with. Okay? And we've also got in there just noted down all of your assets and liabilities and things that we went through when we spoke last time. Just feel free to run your eyes over those. If you think there's any changes that you would like to have updated in the back end, please let me know. We can always update that in the back end there for you as well, and we'll make sure we do a review down the track. Okay? You're just all good. Thank you for your time, Colleen. I'm sorry. I knew this was gonna be a lot. I just look. Honestly, you are absolutely amazing. Have you had a busy day? Yep. Yep. Well, it worked out good because I know from previous conversations with your job, you can get call outs at all times of the day and the night. So Oh, we did well. We did well to catch you. Well, please take time to read that one through. Let me know if there's any questions, and I hope you have a safe trip home and a really good night, Colleen. But thank you for your time this afternoon. I appreciate that. Thank you. I'll talk to you soon. See you later. 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Colleen. It's Dana from Okey Financial. How are you this afternoon? Very well. Thank you.\n\nI had to book in to go through your updated advice document. Is now still a good time? Or all good. Good. Oh, no.\n\nThat's okay. I thought I could hear something in the background. Wasn't quite sure what that was. No. All good, Colleen.\n\nSo you're on your way home at the moment in traffic there, so you clearly don't have access to your emails. Are you okay if I just run through essentially the updated advice and let you have a look at it later? Is that okay? Or yeah. That's okay.\n\nAll good. Or did you want me to maybe give you a bit of a callback later when you're at home? What's easier for you? No. No.\n\nThat's okay. Not a problem at all. Look. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nFantastic. And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. So, Colleen, look, the advice document was essentially centered around the superannuation and the insurances. You obviously have quite a lot of insurances between the two policies there. And when you and I spoke last year, we talked about looking to try and alter those insurances so that you have the level of cover you're after, but that we can hopefully reduce the cost a bit for you as well. Yeah.\n\nAll good. So just wanting to obviously start on that for you. When you do look at the advice document, which I have emailed to you as well, that'll be in your inbox. It does note here that the document has been prepared as of today's date. All of our advice is valid for sixty days, so take some time to have a read through the document.\n\nLet me know if you do happen to have any questions there. On the front page, it also has my authorized representative number as in a licensed adviser with ASIC, and my license number is 1304394. Okay? Beautiful. Now since we did speak last year to do a bit of a catch up with you at the end of last year, we have sort of also done a bit of research around your super.\n\nHub twenty four is working really well for you. However, we have noted that some of the investments have underperformed a little bit this year, so we wanted to make sure your super is working as hard as possible as well as, obviously, having your insurance is hopefully re reduced a little bit for you. So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch. So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit. So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you.\n\nOkay? Excellent. I won't go through all the individual investments. They're kinda confused. It'll make it too overcomplicated.\n\nBut when you have a look at that side, the at that page of the document, you'll see you've got a list of the investments. It also has what we're gonna be buying and selling in red and green, and the last column essentially shows you what the target weighting will be. So once we complete the switch, you'll still see a bit of physical gold, cybersecurity, Australian equities, US equities, and a bit of European, Japanese, and global exposure in there, but just wanting to make sure your super is working as hard as possible for you. One of one of the things I sort of looked at as well was how, obviously, the newer portfolio versus your older portfolio has performed. When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at all.\n\nBut by making the switch, you'll see when you see the documents there, the newer portfolio has actually performed and showed an average rate of return of 11.55% over the past five years. So so so long as market conditions act the same as they have, if you're able to get that same performance over the next five to ten years, it actually increases the returns that you're able to get and does put you in a better position long term. It increases the projected amount over the next five to ten years for you. Okay? Excellent.\n\nWith making any changes to the investments, we are very mindful that your super fund, like you, does a tax return every year, so there are tax consequences inside super for making investment changes. We did do the research noting that the expected CDT cost for your super force switching the investments out and making the changes that I've recommended, we'd expect it to be about $846 in CGT, so not too bad. I did look at moving you to other platforms, but it works out better to stay where you are. It minimizes the CGT. And this investment portfolio we're looking to move you into by making those changes actually also saves you about $211 for the year on investment fees as well.\n\nSo it's you know, had a much better past performance is a bit cheaper in investment fees, and essentially can put you in a much better position moving forward. So that's why we decided to make the switch and move some of those investments around for you. Okay. All all good. I didn't wanna make that too overcomplicated and confuse you too much, but have a look at that page on page 16 when you see the document.\n\nYou'll see the red and the green, which shows you what we're buying and selling. And the last column, as I said before, just kind of reiterate what the your what your expected exposure is after we complete the switch. If you have any questions in relation to those investments, let me know. I just don't wanna overcomplicate it whilst you're in traffic there for you. All good, Colleen.\n\nNow all the other thing I sorta had to look at was, obviously, your cash balance is a little bit high at the moment. So within super, we only wanna hold a bare minimum amount of cash. You want most of your money to be invested. So at the moment, you've got about 2% cash there. We only wanna hold about 1.25%.\n\nSo we will be taking some of the extra cash and investing that in the portfolio for you as well. Okay? Excellent. Now one of the biggest things that we were sort of talking about was your insurance policy. So you have your insurance policy with one pass and tow, and it is costing you a lot at the moment, and that only gets more and more expensive over time.\n\nWhen we sort of spoke last year, your goal was with regard to the insurance there. You wanted to make sure that in the event of, you know, you passing away, that your mortgages were covered. You wanted to use with the gross income as well and then also have the funds paid out to your three nieces and nephews to make sure they were looked after in the event of something occurring. With regard to TBD, so total permanent disability, again, you wanted to be able to pay out your mortgage and cover up to five years worth of income replacement for you to live on, and then also make sure you had enough income protection to cover up to 70% of your income. We talked about having the shortest waiting period possible and keeping the benefit period at age 65.\n\nSo because you're a veterinarian nurse, you spend a lot of time out and about, and the likelihood of you being off work for a long period of time or suffering a major injury, that's pretty high on the spectrum there. So making sure you had a good benefit period for your income protection. And then we also talked about trauma. So trauma pays out a lump sum benefit in the event of you being unable to sorry. May sorry.\n\nDiagnosed with a major traumatic illness or injury. Essentially, trauma is an out of pocket expense, and we talked about just looking to cover you for one year's worth of gross income because trauma is not paid inside super like the other types of cover. When we spoke, he wanted to see what the cost of trauma would be and then look at whether that was cost effective for you to apply for. Does that also ring a bell? Does that make sense?\n\nYep. Does it all sound appropriate still? Yep. Beautiful. So when I had a look at the two policies that you do have with Telum OnePath, I've essentially been able to work out a way that we can alter the policies there.\n\nSo we also talked about with TPD how there is taxation on TPD if you claim and you're under 60. So we also wanted to gross that up to account for the tax side of things for you. And we've also just do sorry. Minus off your super balance so we can have that as a bit of a buffer. Essentially, with your current cover with one pass, your life and TBD benefit is at 921,867.\n\nThey are a linked policy paid out of super. And then you've got your income protection policy giving you a monthly benefit of $3.04 sorry. 3,411 on a thirty day wait and a $8.65 benefit. Now this policy you've had here is the longest policy. This the one that we have an authority on and has been set up since 2021.\n\nThis policy is a really great policy. The income protection side of that isn't quite meeting that 70% of your income side of things. So the way I've been looked at to alter the policy is that we're going to reduce the one path policy, life and TPD back to a need. So we're gonna reduce the $9.21 back to 630,000 for the life and TPD. That reduces some of the costs for you and retaining the income protection exactly as it is because it has the lowest waiting period.\n\nIt has the age 65 benefit period, and the income protection policy isn't quite at need. So that will reduce the cost a little sorry, a little bit for you. That essentially reduces your premiums from 5,355 and 70¢ to $3,177.55 approximately that. Okay? The second policy you have is the power policy.\n\nYou've got over 390,000 of life and TPD there, again, paid out of super and an income protection policy with a monthly benefit of $4,566 on a sixty day wait and with only a five year benefit period. What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD. I am recommending with the power policy that we set up for you when you came onboard with us that we cancel the life and TBD out of that. That will reduce the cost for you. And then we just reduced the income protection policy down to 650 as a monthly benefit.\n\nThat offsets what you've got on the one pass policy and essentially meets your needs. That means you're reducing your costs very significantly, and the policy the amount that is expected to be paid for these policies after we do these reductions and cancellations saves you over $4,152 in premium. Sorry. You're right? It is quite a significant, yeah, it is a quite a significant saving.\n\nSo what I would like to do and the other thing with the one pass policy is, that does go through renewal every year, and those premiums do increase along with CPI or along with their set interest increase rate. So each time the one pass policy goes to renewal and that monthly benefit of your income protection increases slightly, we can reevaluate that against the TOW policy and continue to reduce that income protection policy with Tower. So, eventually, we'll be able to cancel that policy wholly. That essentially the reason I wanted to cancel the Tower policy wholly is that your your one pass policy has been held for much longer. That way, it does provide greater benefit.\n\nThe thirty day wait and the eight sixty five benefit period suited your needs more, whereas the towel policy only had a sixty day wait and a five year benefit period. So the towel policy is absolutely less the period than the one part policy. Yes. The one pass policy has been held longer and can cost more, but it is that it's retained that way possible. So this is sort of what I wanted to do with that.\n\nIt does save you over $4,000 in premiums, which is a positive, But we just have to keep making sure that those policies stay in line with your needs because they will continue to get more expensive over time, and we wanna keep reducing those back as we need to. Does that make sense? Beautiful. Yeah. I know it is a lot to go through.\n\nSo when you have some time, you're able to check your emails. Please have a look at the documents and read through those pages. The breakdown of the recommendations around insurances are on page 22 for you, so that will certainly help. And let me know if you do happen to have any questions there. Okay?\n\nExcellent. Now the other thing we talked about was the life and trauma. So you wanted to see what trauma would cost you. Essentially, we were looking at applying for about one year's worth of income. You were on about 70,000 per annum when we spoke last.\n\nIs that still roughly your income? Yep. Beautiful. Excellent. So what I've done is I've had a look at trying to apply for, trauma, and we've looked at doing it with one path.\n\nObviously, there's lots of different options out there for insurance companies, but I tried to sort of make it so you didn't have, you know, three or four different insurers ahead of you. So we're looking to apply for trauma with one path. And now trauma policy stand alone can be kind of expensive. So the way I've tried to adjust the premium, make it more cheaper for you is to also add a little bit of life cover to it. So we're attaching the at life and trauma policy together with a benefit of 70,000, and that essentially would cost you about $37.91 on a monthly basis.\n\nAnd that gives you a lump sum tax free payout in the event that you're, you know, diagnosed the major conditions, the things like heart attack, strokes, Parkinson's, other neurological conditions, and your cancer is probably the biggest one that is claimed on trauma. It is an out of pocket expense there, but having a life benefit attached to that also provides you with a benefit. So under with life insurance held inside super, you actually don't get any sort of upfront assistance for funeral. However, if you hold a little bit of life cover outside of super and pay for that premium out of your back pocket, You actually do get, the benefit of having some funeral expenses. With OnePath, if you were to pass away prematurely by holding a life policy out of pocket, they would pay up to 25,000 upfront to the executor of your will to be able to help cover your funeral expenses for you.\n\nSo it's essentially the amount of the policy or 25,000 as the highest lump sum, which if you think about it could help to pay for a pretty significant funeral. Yeah. So that's one of the benefits to doing so. With trauma, we do link the policies together, and we do always, when we are linking policies, have a buyback option. So with linking trauma and life together, and then with them both having the benefit amount of seventy thousand, if you say, for example, got cancer and claimed that seventy thousand of trauma, that actually does cancel the life policy.\n\nSo we add the buyback option onto that one so that after you've had the trauma claim, that life cover is reinstated back so you can claim that life cover later down the track. And we also add the reinstatement. So after having one trauma claim, they can reinstate the policy for trauma for you. So if there's a secondary event or a secondary diagnosis, you can actually claim that again. It's all part of making sure that when you're paying for insurance is that you get the benefits that really provide you with the most amount of cover possible.\n\nDoes that all make sense? Please let me know if you have questions. All all good. All good. I know it's a lot, and I'm so sorry.\n\nI always try to, you know, go as easy as possible, but just making sure I touch on those points that I need to for you. Sorry, Colleen. Now the other thing is, obviously, on your current one part policy, you do have a a left knee exclusion that will remain on the policy currently. We will look down the track to obviously find out how we can have that removed. And at the moment, the policy, because it has been held for so long, does have a different adviser attached to it.\n\nSo we are also gonna get you to sign a change of adviser form so we can have the policy transferred to us so that we can obviously take over and actually make changes to the policy for you and help you with it down the track if that helps. Okay? With looking at your health and after our conversation last year, it was obviously on disability covers. The left knee exclusion would be applied, you know, moving forward. There's nothing else that really flagged to us that would be of a major exclusion on applying for life and trauma.\n\nHowever, we do have to go through a new application. So if there is anything major, any preexisting illnesses, injuries that affect those sorts of covers, there could be loadings and or exclusions. But once you go through the application for those, I'll double check the application with the admin team prior to it being submitted. And if if there is anything that needs to be flagged, we'll have that conversation with you first. Okay?\n\nExcellent. Throughout the documents there, we do outline essentially the best interest and how this relates back to your back to your goals and why the recommendations are in your best interest. With regard to the insurances, they're retaining the one pass policy because it is the older policy. It does have the much more favorable terms, and, sorry, with your regards to your income protection is the better way to retain that one and is in your best interest. We're just in the towel policy because you don't need that much cover.\n\nYou're currently over insured and paying a lot of money for that those premiums. And the more you pay for insurance premiums, the more it's affecting your retirement outcome, so it's good to always reduce those back. The the trauma and life paid out of pocket essentially meets your goal because it gives you that trauma policy giving you cover for one year's worth of gross income, and having life attached helps to reduce the cost of the premiums and also gives you the benefit of the funeral cover paid out in the event something was to happen for you. The downside is trauma, is an out of pocket cost. So that's 37, what did I say?\n\nSorry. It was $37.91 would come out of your bank account or credit card on a monthly basis depending on how you choose to pay that. Okay? Yeah. Essentially, the other side the other thing to kinda go through is obviously the beneficiary side of things.\n\nSo one of the things we talked about was that you wanted your in your insurance, your life cover, and also your super to be paid out to to your three nieces and nephews in the event that something was to happen to you. We are making a recommendation with the estate planning as well to make sure that in the event of something occurring, that they can receive a payment. Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that works? That's okay. So under essentially, when we look at beneficiaries, there are two forms of legislation that you have to abide by.\n\nEssentially, the first one is the CIS Act, and that controls who can be a beneficiary on super and insurances paid within super. Essentially, you need to be they need to be, sorry, your child, your spouse, or someone who relies on you as an interdependent relationship. So you pay for their bills. You look after them. They live with you.\n\nAnd at time of claim, they have to prove that they have that financial or interdependent relationship, and it can be very, very hard to claim to prove. So because your nieces and nephews don't quite qualify for that, I'm recommending that on the CalLife policy, the one pass sorry. On the the one pass policy and your hub 24 super that we do or that we do update your beneficiary nominations to legal personal representative. Now that essentially means that in the event of you passing, your super and life insurance would fully be paid out to your estate. And then you just need to make sure you have an updated will, have a will drawn up by a solicitor or do a will kit or however you prefer to do so.\n\nAnd in the body of the will, it just needs to clearly outline that you want the funds to be paid to your nieces and nephews and however whatever percentage that you choose for that to be in. The risk with updating the beneficiaries this way is that picking legal personal representative means that it goes through to your estate. That's absolutely fine. But if you don't have a will drawn up to then direct the funds out as per your wishes, then it goes through a probate process, which is a legal process of distribution of funds, and that can take anywhere between twelve to two years. I've seen it go for five years sometimes.\n\nSo it is important that you do have a will drawn up as well. Okay? Beautiful. But when it yeah. It's all good.\n\nBut when it comes to the beneficiary nominations, we will obviously help you. We if you're comfortable with us, my team can tick the boxes and prefill the forms as much as possible. We'll get them out to you. That way, they can be signed and witnessed. Witnesses just have to be over the age of 18, and it can be absolutely anyone you like.\n\nIt can be your best friend or client, your next door neighbor, your mom and dad, anyone you prefer. So it's just about making sure that someone witnesses you signing them and that two people witness the nominations with you. Okay? Beautiful. And then I have obviously made a recommendation in here to set up a will and also power of attorney.\n\nWe do have solicitors that we can refer you through to if you do require the services of them. Alternatively, if you just got a local solicitor who can set up a will, generally, getting a will in place is pretty cheap if you're just doing a very soft standard will. More complex will do get into sort of the $12,000 mark, but normally, anywhere between 3 to $500, you can just do up a very stock standard simple will. So, absolutely easy to do. Inside the document there, we do also have the advantages, disadvantages, the risks involved.\n\nI've as so added a best interest duty as noted onto, essentially, all those recommendations. So you'll be able to have a really good rate through those. Our ongoing service fee is also still applied. We've also attached the ongoing service agreement for the next twelve months through that email as well. So you do pay us a fee of 1.65% per annum, and that is deducted in smaller monthly increments out of your super for our services, updating the advice, and everything like that.\n\nWe renew that with you every year, and we wanna make sure that these policies stay in line with your needs. Because as I said, they are gonna get more expensive over time, and we don't want you to have no super when you get the retirement there. So we will do reviews with you, making sure to keep them up to date, check them with you, and make alterations as we need to. With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us. It is paid by the insurance company and not by you.\n\nBut for insurances across the board, we do receive 66% of the first year's premium and then 22% there ongoing for you. So that is stock standard across the board. It's legislated that way, and that has no effect on my recommendations in any way, shape, or form. Every recommendation I make has to be in your best interest, and that's why I have a best interest duty in there for you just relaying it back to your goals and making sure that I'm doing the right thing by you. Okay?\n\nWith your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us. Essentially, with that policy being as it is so old, the commission structure is slightly different. It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about $374. When you look at the document, when you get to the end of it on page 39, we have outlined and sorry, 38. We have outlined the breakdown of the commissions that we do receive so that we are upfront and just disclose those to you.\n\nBut just so you're aware, they are paid by the insurer to us, not by you. It's just the ongoing service that comes out of your super. That is the fee that you pay for. Is that okay? Do you have any questions?\n\nDo you have any questions in relation to any of that? Yeah. All good. All good. So to kinda give you a really simple run through of what we will do to implement this, we'll start by just doing your investment switch, just changing the investments, then we'll get you to sign the one pass form to change the adviser on that policy.\n\nWe'll then go through a reduction with your tower policy, and we'll also reduce your life and TPD on the one pass policy simultaneously. We'll apply for the life and trauma policy to get that instated and then get your beneficiaries all in line as well. So that's how the implementation would work for this. Okay. Beautiful.\n\nThat is all I'm going to sort of put out there for now. I've gone through everything I need, sir, and it's a lot. And I'm sure your head is a little bit exploding with information right now. Absolutely. I completely understand.\n\nBut, look, although the s the statement of advice and all the quotes, all the supporting documents, the ongoing service agreement, all of that is in that email in in your inbox for you now. When you get some time, I would probably suggest make yourself a cup of tea, have a sit down, open up the email, run your eyes to the advice document. If you do have any questions, let us know. And, yeah, if you're happy once you've gone through it and read it and you understand it, if you are happy to proceed with the recommendations, we'll just get you to sign and return that. If there's any part of the recommendations you do not wish to proceed with, on the very last page, we do have a text box.\n\nSo you can just write in there any part that you're not wanting to proceed with. Okay? And we've also got in there just noted down all of your assets and liabilities and things that we went through when we spoke last time. Just feel free to run your eyes over those. If you think there's any changes that you would like to have updated in the back end, please let me know.\n\nWe can always update that in the back end there for you as well, and we'll make sure we do a review down the track. Okay? You're just all good. Thank you for your time, Colleen. I'm sorry.\n\nI knew this was gonna be a lot. I just look. Honestly, you are absolutely amazing. Have you had a busy day? Yep.\n\nYep. Well, it worked out good because I know from previous conversations with your job, you can get call outs at all times of the day and the night. So Oh, we did well. We did well to catch you. Well, please take time to read that one through.\n\nLet me know if there's any questions, and I hope you have a safe trip home and a really good night, Colleen. But thank you for your time this afternoon. I appreciate that. Thank you. I'll talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Colleen.","start":7.2799997,"end":8.0,"sentiment":"neutral","sentiment_score":0.1539609730243683},{"text":"It's Dana from Okey Financial.","start":8.0,"end":9.38,"sentiment":"neutral","sentiment_score":0.19974847733974457},{"text":"How are you this afternoon?","start":9.5199995,"end":10.74,"sentiment":"neutral","sentiment_score":0.2848160922527313},{"text":"Very well.","start":13.455,"end":14.175,"sentiment":"positive","sentiment_score":0.48333612084388733},{"text":"Thank you.","start":14.175,"end":14.735001,"sentiment":"positive","sentiment_score":0.5406591892242432}],"sentiment":"neutral","sentiment_score":0.29867096338421106,"num_words":16,"start":7.2799997,"end":14.735001},{"sentences":[{"text":"I had to book in to go through your updated advice document.","start":14.735001,"end":17.615,"sentiment":"neutral","sentiment_score":0.16251331195235252},{"text":"Is now still a good time?","start":17.615,"end":18.895,"sentiment":"neutral","sentiment_score":0.10642679284016292},{"text":"Or all good.","start":18.895,"end":23.775,"sentiment":"neutral","sentiment_score":0.17797190944353738},{"text":"Good.","start":23.775,"end":24.275,"sentiment":"neutral","sentiment_score":0.16301247477531433},{"text":"Oh, no.","start":25.59,"end":25.99,"sentiment":"neutral","sentiment_score":-0.010836328379809856}],"sentiment":"neutral","sentiment_score":0.13599900195064643,"num_words":24,"start":14.735001,"end":25.99},{"sentences":[{"text":"That's okay.","start":25.99,"end":26.63,"sentiment":"neutral","sentiment_score":-0.028194733895361423},{"text":"I thought I could hear something in the background.","start":26.63,"end":28.71,"sentiment":"neutral","sentiment_score":-0.08572192407316631},{"text":"Wasn't quite sure what that was.","start":28.71,"end":30.57,"sentiment":"neutral","sentiment_score":-0.10867152487238248},{"text":"No.","start":34.55,"end":34.949997,"sentiment":"neutral","sentiment_score":-0.09783624112606049},{"text":"All good, Colleen.","start":34.949997,"end":35.93,"sentiment":"neutral","sentiment_score":0.026783271382252376}],"sentiment":"neutral","sentiment_score":-0.07130487431727704,"num_words":21,"start":25.99,"end":35.93},{"sentences":[{"text":"So you're on your way home at the moment in traffic there, so you clearly don't have access to your emails.","start":35.989998,"end":40.565,"sentiment":"neutral","sentiment_score":-0.04251117356831119},{"text":"Are you okay if I just run through essentially the updated advice and let you have a look at it later?","start":40.785,"end":46.305,"sentiment":"neutral","sentiment_score":0.041163435738001554},{"text":"Is that okay?","start":46.305,"end":47.024998,"sentiment":"neutral","sentiment_score":0.01802633609622717},{"text":"Or yeah.","start":47.024998,"end":51.204998,"sentiment":"neutral","sentiment_score":0.023008651100099087},{"text":"That's okay.","start":51.905,"end":52.725,"sentiment":"neutral","sentiment_score":0.06994491815567017}],"sentiment":"neutral","sentiment_score":0.004320074538035052,"num_words":49,"start":35.989998,"end":52.725},{"sentences":[{"text":"All good.","start":53.99,"end":54.47,"sentiment":"neutral","sentiment_score":0.16393554955720901},{"text":"Or did you want me to maybe give you a bit of a callback later when you're at home?","start":54.47,"end":58.07,"sentiment":"neutral","sentiment_score":0.039638901423466835},{"text":"What's easier for you?","start":58.07,"end":59.61,"sentiment":"neutral","sentiment_score":0.034478005953133106},{"text":"No.","start":66.325005,"end":66.825005,"sentiment":"neutral","sentiment_score":-0.029171882197260857},{"text":"No.","start":67.445,"end":67.845,"sentiment":"neutral","sentiment_score":-0.008150830864906311}],"sentiment":"neutral","sentiment_score":0.04376294581150567,"num_words":27,"start":53.99,"end":67.845},{"sentences":[{"text":"That's okay.","start":67.845,"end":68.565,"sentiment":"neutral","sentiment_score":0.029135961085557938},{"text":"Not a problem at all.","start":68.565,"end":69.765,"sentiment":"neutral","sentiment_score":0.14467224180698396},{"text":"Look.","start":69.765,"end":70.08501,"sentiment":"neutral","sentiment_score":0.08021503686904907},{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":70.08501,"end":74.565,"sentiment":"neutral","sentiment_score":0.05347210930093475},{"text":"Are you happy for us to proceed with that?","start":74.565,"end":76.665,"sentiment":"neutral","sentiment_score":0.06455157697200775}],"sentiment":"neutral","sentiment_score":0.06681677186861634,"num_words":40,"start":67.845,"end":76.665},{"sentences":[{"text":"Fantastic.","start":78.58,"end":79.08,"sentiment":"positive","sentiment_score":0.46766942739486694},{"text":"And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file.","start":79.3,"end":85.560005,"sentiment":"neutral","sentiment_score":0.15516196053337167},{"text":"Yep.","start":88.98,"end":89.48,"sentiment":"neutral","sentiment_score":0.08650185912847519},{"text":"Yep.","start":93.075005,"end":93.575005,"sentiment":"neutral","sentiment_score":0.1303909718990326},{"text":"Beautiful.","start":99.635,"end":100.135,"sentiment":"positive","sentiment_score":0.3795750141143799}],"sentiment":"neutral","sentiment_score":0.1694680711915416,"num_words":31,"start":78.58,"end":100.135},{"sentences":[{"text":"Thank you so much for that.","start":100.355,"end":102.135,"sentiment":"positive","sentiment_score":0.4561850279569626},{"text":"So, Colleen, look, the advice document was essentially centered around the superannuation and the insurances.","start":102.55,"end":107.770004,"sentiment":"neutral","sentiment_score":0.13613427033027012},{"text":"You obviously have quite a lot of insurances between the two policies there.","start":108.630005,"end":112.490005,"sentiment":"neutral","sentiment_score":0.06243244071419422},{"text":"And when you and I spoke last year, we talked about looking to try and alter those insurances so that you have the level of cover you're after, but that we can hopefully reduce the cost a bit for you as well.","start":112.87,"end":123.745,"sentiment":"neutral","sentiment_score":0.16241868532129697},{"text":"Yeah.","start":125.325,"end":125.825,"sentiment":"neutral","sentiment_score":0.16382013261318207}],"sentiment":"neutral","sentiment_score":0.1633266346504936,"num_words":77,"start":100.355,"end":125.825},{"sentences":[{"text":"All good.","start":126.125,"end":127.025,"sentiment":"neutral","sentiment_score":0.2760249674320221},{"text":"So just wanting to obviously start on that for you.","start":127.245,"end":130.685,"sentiment":"neutral","sentiment_score":0.14888047948479652},{"text":"When you do look at the advice document, which I have emailed to you as well, that'll be in your inbox.","start":130.685,"end":135.43001,"sentiment":"neutral","sentiment_score":0.12219317257404327},{"text":"It does note here that the document has been prepared as of today's date.","start":135.43001,"end":139.05,"sentiment":"neutral","sentiment_score":0.07727262164865221},{"text":"All of our advice is valid for sixty days, so take some time to have a read through the document.","start":139.11,"end":143.27,"sentiment":"neutral","sentiment_score":0.11660519763827323}],"sentiment":"neutral","sentiment_score":0.11971391059124648,"num_words":67,"start":126.125,"end":143.27},{"sentences":[{"text":"Let me know if you do happen to have any questions there.","start":143.27,"end":145.85,"sentiment":"neutral","sentiment_score":0.12024426398177941},{"text":"On the front page, it also has my authorized representative number as in a licensed adviser with ASIC, and my license number is 1304394.","start":146.635,"end":155.355,"sentiment":"neutral","sentiment_score":0.07317045796662569},{"text":"Okay?","start":155.355,"end":155.855,"sentiment":"neutral","sentiment_score":0.1561378836631775},{"text":"Beautiful.","start":157.19499,"end":157.69499,"sentiment":"positive","sentiment_score":0.6947993040084839},{"text":"Now since we did speak last year to do a bit of a catch up with you at the end of last year, we have sort of also done a bit of research around your super.","start":158.40999,"end":166.67,"sentiment":"neutral","sentiment_score":0.21550757893257672}],"sentiment":"neutral","sentiment_score":0.15957070524628097,"num_words":74,"start":143.27,"end":166.67},{"sentences":[{"text":"Hub twenty four is working really well for you.","start":167.12999,"end":169.87,"sentiment":"positive","sentiment_score":0.600957559214698},{"text":"However, we have noted that some of the investments have underperformed a little bit this year, so we wanted to make sure your super is working as hard as possible as well as, obviously, having your insurance is hopefully re reduced a little bit for you.","start":170.32999,"end":184.5,"sentiment":"neutral","sentiment_score":0.07305008355204178},{"text":"So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch.","start":184.98,"end":190.58,"sentiment":"neutral","sentiment_score":0.08903457131236792},{"text":"So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit.","start":190.58,"end":199.91501,"sentiment":"neutral","sentiment_score":0.08173261744820554},{"text":"So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you.","start":199.91501,"end":206.315,"sentiment":"neutral","sentiment_score":0.1850365474820137}],"sentiment":"neutral","sentiment_score":0.1374730626848759,"num_words":128,"start":167.12999,"end":206.315},{"sentences":[{"text":"Okay?","start":206.315,"end":206.815,"sentiment":"neutral","sentiment_score":0.08106855303049088},{"text":"Excellent.","start":209.115,"end":209.615,"sentiment":"positive","sentiment_score":0.4336869716644287},{"text":"I won't go through all the individual investments.","start":209.675,"end":211.695,"sentiment":"neutral","sentiment_score":-0.0023853275924921036},{"text":"They're kinda confused.","start":212.01,"end":212.73,"sentiment":"neutral","sentiment_score":-0.1915405144294103},{"text":"It'll make it too overcomplicated.","start":212.73,"end":214.03,"sentiment":"neutral","sentiment_score":-0.17077766954898835}],"sentiment":"neutral","sentiment_score":-0.051824277059899435,"num_words":18,"start":206.315,"end":214.03},{"sentences":[{"text":"But when you have a look at that side, the at that page of the document, you'll see you've got a list of the investments.","start":214.48999,"end":220.03,"sentiment":"neutral","sentiment_score":0.07376389861106873},{"text":"It also has what we're gonna be buying and selling in red and green, and the last column essentially shows you what the target weighting will be.","start":220.17,"end":227.37,"sentiment":"neutral","sentiment_score":0.1337416641138218},{"text":"So once we complete the switch, you'll still see a bit of physical gold, cybersecurity, Australian equities, US equities, and a bit of European, Japanese, and global exposure in there, but just wanting to make sure your super is working as hard as possible for you.","start":227.37,"end":242.765,"sentiment":"neutral","sentiment_score":0.12181370154671047},{"text":"One of one of the things I sort of looked at as well was how, obviously, the newer portfolio versus your older portfolio has performed.","start":243.84001,"end":251.14,"sentiment":"neutral","sentiment_score":-0.00290199764072895},{"text":"When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at all.","start":251.44,"end":266.075,"sentiment":"neutral","sentiment_score":0.14002834947572815}],"sentiment":"neutral","sentiment_score":0.10290046698147697,"num_words":168,"start":214.48999,"end":266.075},{"sentences":[{"text":"But by making the switch, you'll see when you see the documents there, the newer portfolio has actually performed and showed an average rate of return of 11.55% over the past five years.","start":266.455,"end":276.18,"sentiment":"positive","sentiment_score":0.4411148266358809},{"text":"So so so long as market conditions act the same as they have, if you're able to get that same performance over the next five to ten years, it actually increases the returns that you're able to get and does put you in a better position long term.","start":276.18,"end":288.515,"sentiment":"positive","sentiment_score":0.6157896605630716},{"text":"It increases the projected amount over the next five to ten years for you.","start":288.515,"end":292.375,"sentiment":"positive","sentiment_score":0.5241359323263168},{"text":"Okay?","start":292.435,"end":292.935,"sentiment":"neutral","sentiment_score":0.2262623906135559},{"text":"Excellent.","start":294.995,"end":295.495,"sentiment":"positive","sentiment_score":0.6064205169677734}],"sentiment":"positive","sentiment_score":0.5390234942903224,"num_words":97,"start":266.455,"end":295.495},{"sentences":[{"text":"With making any changes to the investments, we are very mindful that your super fund, like you, does a tax return every year, so there are tax consequences inside super for making investment changes.","start":296.355,"end":308.92,"sentiment":"neutral","sentiment_score":0.1722602701800711},{"text":"We did do the research noting that the expected CDT cost for your super force switching the investments out and making the changes that I've recommended, we'd expect it to be about $846 in CGT, so not too bad.","start":309.62003,"end":323.295,"sentiment":"neutral","sentiment_score":0.13674811417093644},{"text":"I did look at moving you to other platforms, but it works out better to stay where you are.","start":323.835,"end":327.915,"sentiment":"neutral","sentiment_score":0.21520544196430005},{"text":"It minimizes the CGT.","start":327.915,"end":329.375,"sentiment":"neutral","sentiment_score":0.22751877829432487},{"text":"And this investment portfolio we're looking to move you into by making those changes actually also saves you about $211 for the year on investment fees as well.","start":330.21002,"end":339.81,"sentiment":"positive","sentiment_score":0.4786721297672817}],"sentiment":"neutral","sentiment_score":0.23864374018364376,"num_words":124,"start":296.355,"end":339.81},{"sentences":[{"text":"So it's you know, had a much better past performance is a bit cheaper in investment fees, and essentially can put you in a much better position moving forward.","start":339.81,"end":349.505,"sentiment":"positive","sentiment_score":0.49335049503836137},{"text":"So that's why we decided to make the switch and move some of those investments around for you.","start":349.505,"end":353.905,"sentiment":"neutral","sentiment_score":0.2932313804825147},{"text":"Okay.","start":353.905,"end":354.405,"sentiment":"neutral","sentiment_score":0.1767709255218506},{"text":"All all good.","start":356.05,"end":357.25,"sentiment":"positive","sentiment_score":0.49501416087150574},{"text":"I didn't wanna make that too overcomplicated and confuse you too much, but have a look at that page on page 16 when you see the document.","start":357.25,"end":363.91,"sentiment":"neutral","sentiment_score":0.04013505205512047}],"sentiment":"neutral","sentiment_score":0.2862921669028508,"num_words":78,"start":339.81,"end":363.91},{"sentences":[{"text":"You'll see the red and the green, which shows you what we're buying and selling.","start":364.05,"end":367.35,"sentiment":"neutral","sentiment_score":0.1656008889277776},{"text":"And the last column, as I said before, just kind of reiterate what the your what your expected exposure is after we complete the switch.","start":367.585,"end":375.205,"sentiment":"neutral","sentiment_score":0.10318909138441086},{"text":"If you have any questions in relation to those investments, let me know.","start":375.425,"end":378.465,"sentiment":"neutral","sentiment_score":0.04152247725197902},{"text":"I just don't wanna overcomplicate it whilst you're in traffic there for you.","start":378.465,"end":382.245,"sentiment":"neutral","sentiment_score":-0.04018448035304363},{"text":"All good, Colleen.","start":384.57,"end":385.63,"sentiment":"positive","sentiment_score":0.6629148920377096}],"sentiment":"neutral","sentiment_score":0.10246201817864094,"num_words":69,"start":364.05,"end":385.63},{"sentences":[{"text":"Now all the other thing I sorta had to look at was, obviously, your cash balance is a little bit high at the moment.","start":386.01,"end":390.65002,"sentiment":"neutral","sentiment_score":-0.014643995556980371},{"text":"So within super, we only wanna hold a bare minimum amount of cash.","start":390.65002,"end":394.17,"sentiment":"neutral","sentiment_score":0.05834147649315687},{"text":"You want most of your money to be invested.","start":394.17,"end":396.09003,"sentiment":"neutral","sentiment_score":0.130958192050457},{"text":"So at the moment, you've got about 2% cash there.","start":396.09003,"end":398.865,"sentiment":"neutral","sentiment_score":0.08014601469039917},{"text":"We only wanna hold about 1.25%.","start":398.94498,"end":401.66498,"sentiment":"neutral","sentiment_score":0.1142751711110274}],"sentiment":"neutral","sentiment_score":0.04955997101722225,"num_words":62,"start":386.01,"end":401.66498},{"sentences":[{"text":"So we will be taking some of the extra cash and investing that in the portfolio for you as well.","start":401.66498,"end":407.505,"sentiment":"neutral","sentiment_score":0.2576827764511108},{"text":"Okay?","start":407.505,"end":408.005,"sentiment":"neutral","sentiment_score":0.10001704096794128},{"text":"Excellent.","start":409.425,"end":409.925,"sentiment":"positive","sentiment_score":0.5743838548660278},{"text":"Now one of the biggest things that we were sort of talking about was your insurance policy.","start":409.985,"end":413.8,"sentiment":"neutral","sentiment_score":-0.007604855824919308},{"text":"So you have your insurance policy with one pass and tow, and it is costing you a lot at the moment, and that only gets more and more expensive over time.","start":413.8,"end":421.94,"sentiment":"neutral","sentiment_score":-0.14960033206209059}],"sentiment":"neutral","sentiment_score":0.015159479741539274,"num_words":70,"start":401.66498,"end":421.94},{"sentences":[{"text":"When we sort of spoke last year, your goal was with regard to the insurance there.","start":422.8,"end":427.515,"sentiment":"neutral","sentiment_score":0.03906534006819129},{"text":"You wanted to make sure that in the event of, you know, you passing away, that your mortgages were covered.","start":427.595,"end":432.89502,"sentiment":"neutral","sentiment_score":0.06479557901620865},{"text":"You wanted to use with the gross income as well and then also have the funds paid out to your three nieces and nephews to make sure they were looked after in the event of something occurring.","start":433.27502,"end":442.575,"sentiment":"neutral","sentiment_score":0.10421624890453107},{"text":"With regard to TBD, so total permanent disability, again, you wanted to be able to pay out your mortgage and cover up to five years worth of income replacement for you to live on, and then also make sure you had enough income protection to cover up to 70% of your income.","start":443.78998,"end":459.25497,"sentiment":"neutral","sentiment_score":0.07463960037924923},{"text":"We talked about having the shortest waiting period possible and keeping the benefit period at age 65.","start":459.555,"end":464.995,"sentiment":"neutral","sentiment_score":0.07471080299685984}],"sentiment":"neutral","sentiment_score":0.07695986691232719,"num_words":142,"start":422.8,"end":464.995},{"sentences":[{"text":"So because you're a veterinarian nurse, you spend a lot of time out and about, and the likelihood of you being off work for a long period of time or suffering a major injury, that's pretty high on the spectrum there.","start":464.995,"end":476.07,"sentiment":"neutral","sentiment_score":-0.1379519689192132},{"text":"So making sure you had a good benefit period for your income protection.","start":476.07,"end":481.05002,"sentiment":"neutral","sentiment_score":0.09325510034194359},{"text":"And then we also talked about trauma.","start":481.19,"end":483.19,"sentiment":"neutral","sentiment_score":-0.03126642320837293},{"text":"So trauma pays out a lump sum benefit in the event of you being unable to sorry.","start":483.19,"end":488.625,"sentiment":"neutral","sentiment_score":-0.02943350451395792},{"text":"May sorry.","start":488.625,"end":489.105,"sentiment":"neutral","sentiment_score":-0.10064918920397758}],"sentiment":"neutral","sentiment_score":-0.06705309173557908,"num_words":80,"start":464.995,"end":489.105},{"sentences":[{"text":"Diagnosed with a major traumatic illness or injury.","start":489.105,"end":491.845,"sentiment":"neutral","sentiment_score":-0.2661826517432928},{"text":"Essentially, trauma is an out of pocket expense, and we talked about just looking to cover you for one year's worth of gross income because trauma is not paid inside super like the other types of cover.","start":492.545,"end":503.12,"sentiment":"neutral","sentiment_score":-0.1647728280843915},{"text":"When we spoke, he wanted to see what the cost of trauma would be and then look at whether that was cost effective for you to apply for.","start":503.25998,"end":510.37997,"sentiment":"neutral","sentiment_score":-0.053365081548690796},{"text":"Does that also ring a bell?","start":510.37997,"end":511.58,"sentiment":"neutral","sentiment_score":-0.04481856649120649},{"text":"Does that make sense?","start":511.58,"end":512.64,"sentiment":"neutral","sentiment_score":-0.011676734779030085}],"sentiment":"neutral","sentiment_score":-0.12091441535536783,"num_words":83,"start":489.105,"end":512.64},{"sentences":[{"text":"Yep.","start":513.86505,"end":514.34503,"sentiment":"neutral","sentiment_score":0.0731544941663742},{"text":"Does it all sound appropriate still?","start":514.34503,"end":516.28503,"sentiment":"neutral","sentiment_score":0.09868471200267474},{"text":"Yep.","start":518.265,"end":518.765,"sentiment":"neutral","sentiment_score":0.23094236850738523},{"text":"Beautiful.","start":518.825,"end":519.325,"sentiment":"positive","sentiment_score":0.5070242881774902},{"text":"So when I had a look at the two policies that you do have with Telum OnePath, I've essentially been able to work out a way that we can alter the policies there.","start":519.705,"end":528.025,"sentiment":"neutral","sentiment_score":0.19404093898607022}],"sentiment":"neutral","sentiment_score":0.18587096212875276,"num_words":42,"start":513.86505,"end":528.025},{"sentences":[{"text":"So we also talked about with TPD how there is taxation on TPD if you claim and you're under 60.","start":528.025,"end":533.87,"sentiment":"neutral","sentiment_score":0.051322155818343165},{"text":"So we also wanted to gross that up to account for the tax side of things for you.","start":533.87,"end":537.97003,"sentiment":"neutral","sentiment_score":0.1630573347210884},{"text":"And we've also just do sorry.","start":538.59,"end":541.23,"sentiment":"neutral","sentiment_score":0.017081972832481068},{"text":"Minus off your super balance so we can have that as a bit of a buffer.","start":541.23,"end":545.375,"sentiment":"neutral","sentiment_score":0.04327032924629748},{"text":"Essentially, with your current cover with one pass, your life and TBD benefit is at 921,867.","start":545.915,"end":554.795,"sentiment":"neutral","sentiment_score":0.03170943446457386}],"sentiment":"neutral","sentiment_score":0.06925846312783267,"num_words":76,"start":528.025,"end":554.795},{"sentences":[{"text":"They are a linked policy paid out of super.","start":554.795,"end":557.135,"sentiment":"neutral","sentiment_score":0.03172703232202265},{"text":"And then you've got your income protection policy giving you a monthly benefit of $3.04 sorry.","start":557.36005,"end":562.88,"sentiment":"neutral","sentiment_score":0.03884587460197508},{"text":"3,411 on a thirty day wait and a $8.65 benefit.","start":562.88,"end":567.54004,"sentiment":"neutral","sentiment_score":0.020881045423448086},{"text":"Now this policy you've had here is the longest policy.","start":567.92004,"end":571.2,"sentiment":"neutral","sentiment_score":0.055630194023251534},{"text":"This the one that we have an authority on and has been set up since 2021.","start":571.2,"end":575.79504,"sentiment":"neutral","sentiment_score":0.031394932768307626}],"sentiment":"neutral","sentiment_score":0.035647682021143004,"num_words":61,"start":554.795,"end":575.79504},{"sentences":[{"text":"This policy is a really great policy.","start":576.73505,"end":579.075,"sentiment":"positive","sentiment_score":0.6022998860904148},{"text":"The income protection side of that isn't quite meeting that 70% of your income side of things.","start":580.655,"end":586.33,"sentiment":"neutral","sentiment_score":0.007614112513906816},{"text":"So the way I've been looked at to alter the policy is that we're going to reduce the one path policy, life and TPD back to a need.","start":586.33,"end":594.81,"sentiment":"neutral","sentiment_score":-0.049776219563292604},{"text":"So we're gonna reduce the $9.21 back to 630,000 for the life and TPD.","start":594.81,"end":600.455,"sentiment":"neutral","sentiment_score":0.022857391940695897},{"text":"That reduces some of the costs for you and retaining the income protection exactly as it is because it has the lowest waiting period.","start":600.995,"end":607.795,"sentiment":"positive","sentiment_score":0.5129913662870725}],"sentiment":"neutral","sentiment_score":0.1731511249517401,"num_words":90,"start":576.73505,"end":607.795},{"sentences":[{"text":"It has the age 65 benefit period, and the income protection policy isn't quite at need.","start":607.795,"end":613.475,"sentiment":"neutral","sentiment_score":0.3326080944389105},{"text":"So that will reduce the cost a little sorry, a little bit for you.","start":613.475,"end":617.92,"sentiment":"positive","sentiment_score":0.4469842314720154},{"text":"That essentially reduces your premiums from 5,355 and 70¢ to $3,177.55 approximately that.","start":618.13995,"end":630.87164,"sentiment":"neutral","sentiment_score":0.2440730674813191},{"text":"Okay?","start":630.87164,"end":631.005,"sentiment":"neutral","sentiment_score":0.08073940128087997},{"text":"The second policy you have is the power policy.","start":631.005,"end":634.305,"sentiment":"neutral","sentiment_score":0.09565638419654635}],"sentiment":"neutral","sentiment_score":0.29711600808570016,"num_words":53,"start":607.795,"end":634.305},{"sentences":[{"text":"You've got over 390,000 of life and TPD there, again, paid out of super and an income protection policy with a monthly benefit of $4,566 on a sixty day wait and with only a five year benefit period.","start":634.445,"end":650.45996,"sentiment":"neutral","sentiment_score":0.1043307475353542},{"text":"What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD.","start":652.27997,"end":663.075,"sentiment":"neutral","sentiment_score":0.21193557149834102},{"text":"I am recommending with the power policy that we set up for you when you came onboard with us that we cancel the life and TBD out of that.","start":663.695,"end":671.61505,"sentiment":"neutral","sentiment_score":0.12348432042475405},{"text":"That will reduce the cost for you.","start":671.61505,"end":673.74,"sentiment":"positive","sentiment_score":0.38863735113825115},{"text":"And then we just reduced the income protection policy down to 650 as a monthly benefit.","start":674.7,"end":681.2,"sentiment":"neutral","sentiment_score":0.2685931781306863}],"sentiment":"neutral","sentiment_score":0.17338313194166902,"num_words":117,"start":634.445,"end":681.2},{"sentences":[{"text":"That offsets what you've got on the one pass policy and essentially meets your needs.","start":681.58,"end":686.24,"sentiment":"positive","sentiment_score":0.3580045799414317},{"text":"That means you're reducing your costs very significantly, and the policy the amount that is expected to be paid for these policies after we do these reductions and cancellations saves you over $4,152 in premium.","start":686.975,"end":702.69,"sentiment":"positive","sentiment_score":0.40882203238351006},{"text":"Sorry.","start":705.71,"end":705.95,"sentiment":"neutral","sentiment_score":0.06459015607833862},{"text":"You're right?","start":705.95,"end":706.69,"sentiment":"neutral","sentiment_score":0.08063145354390144},{"text":"It is quite a significant, yeah, it is a quite a significant saving.","start":710.83,"end":714.655,"sentiment":"positive","sentiment_score":0.35382947669579434}],"sentiment":"positive","sentiment_score":0.37127994079933024,"num_words":66,"start":681.58,"end":714.655},{"sentences":[{"text":"So what I would like to do and the other thing with the one pass policy is, that does go through renewal every year, and those premiums do increase along with CPI or along with their set interest increase rate.","start":714.655,"end":726.435,"sentiment":"neutral","sentiment_score":0.08956569973379373},{"text":"So each time the one pass policy goes to renewal and that monthly benefit of your income protection increases slightly, we can reevaluate that against the TOW policy and continue to reduce that income protection policy with Tower.","start":726.77997,"end":740.455,"sentiment":"neutral","sentiment_score":-0.045314408740714976},{"text":"So, eventually, we'll be able to cancel that policy wholly.","start":740.455,"end":743.195,"sentiment":"neutral","sentiment_score":-0.12964158318936825},{"text":"That essentially the reason I wanted to cancel the Tower policy wholly is that your your one pass policy has been held for much longer.","start":745.175,"end":753.015,"sentiment":"neutral","sentiment_score":-0.2057437914609909},{"text":"That way, it does provide greater benefit.","start":753.015,"end":755.435,"sentiment":"positive","sentiment_score":0.338486094559942}],"sentiment":"neutral","sentiment_score":-0.01841606249411901,"num_words":120,"start":714.655,"end":755.435},{"sentences":[{"text":"The thirty day wait and the eight sixty five benefit period suited your needs more, whereas the towel policy only had a sixty day wait and a five year benefit period.","start":756.69,"end":765.97,"sentiment":"neutral","sentiment_score":0.09506780053338697},{"text":"So the towel policy is absolutely less the period than the one part policy.","start":765.97,"end":771.35,"sentiment":"neutral","sentiment_score":0.1338076607457229},{"text":"Yes.","start":771.755,"end":771.915,"sentiment":"neutral","sentiment_score":0.1746508777141571},{"text":"The one pass policy has been held longer and can cost more, but it is that it's retained that way possible.","start":771.915,"end":778.175,"sentiment":"neutral","sentiment_score":0.23842103211652665},{"text":"So this is sort of what I wanted to do with that.","start":778.475,"end":780.875,"sentiment":"positive","sentiment_score":0.4927139605085055}],"sentiment":"neutral","sentiment_score":0.20144897652200505,"num_words":79,"start":756.69,"end":780.875},{"sentences":[{"text":"It does save you over $4,000 in premiums, which is a positive, But we just have to keep making sure that those policies stay in line with your needs because they will continue to get more expensive over time, and we wanna keep reducing those back as we need to.","start":780.875,"end":794.7,"sentiment":"neutral","sentiment_score":0.10567762300372124},{"text":"Does that make sense?","start":794.7,"end":795.84,"sentiment":"neutral","sentiment_score":0.04761181026697159},{"text":"Beautiful.","start":798.075,"end":798.575,"sentiment":"positive","sentiment_score":0.33948662877082825},{"text":"Yeah.","start":799.995,"end":800.495,"sentiment":"neutral","sentiment_score":0.15669719874858856},{"text":"I know it is a lot to go through.","start":801.115,"end":802.875,"sentiment":"neutral","sentiment_score":0.07191909766859478}],"sentiment":"neutral","sentiment_score":0.10181206304293412,"num_words":65,"start":780.875,"end":802.875},{"sentences":[{"text":"So when you have some time, you're able to check your emails.","start":802.875,"end":805.59503,"sentiment":"neutral","sentiment_score":0.08169593351582687},{"text":"Please have a look at the documents and read through those pages.","start":805.59503,"end":808.41,"sentiment":"neutral","sentiment_score":0.07048612212141354},{"text":"The breakdown of the recommendations around insurances are on page 22 for you, so that will certainly help.","start":809.29,"end":816.88995,"sentiment":"neutral","sentiment_score":0.20666021729509035},{"text":"And let me know if you do happen to have any questions there.","start":816.88995,"end":819.62994,"sentiment":"neutral","sentiment_score":0.12293891207529949},{"text":"Okay?","start":819.76996,"end":820.26996,"sentiment":"neutral","sentiment_score":0.06667335331439972}],"sentiment":"neutral","sentiment_score":0.12876692480806792,"num_words":56,"start":802.875,"end":820.26996},{"sentences":[{"text":"Excellent.","start":821.865,"end":822.365,"sentiment":"neutral","sentiment_score":0.23501819372177124},{"text":"Now the other thing we talked about was the life and trauma.","start":822.745,"end":825.305,"sentiment":"neutral","sentiment_score":0.01471827644854784},{"text":"So you wanted to see what trauma would cost you.","start":825.305,"end":827.805,"sentiment":"neutral","sentiment_score":-0.0026703981682658197},{"text":"Essentially, we were looking at applying for about one year's worth of income.","start":827.945,"end":832.125,"sentiment":"neutral","sentiment_score":-0.0014623699423212272},{"text":"You were on about 70,000 per annum when we spoke last.","start":832.745,"end":835.93005,"sentiment":"neutral","sentiment_score":-0.0005853568965738469}],"sentiment":"neutral","sentiment_score":0.0076485913682808266,"num_words":47,"start":821.865,"end":835.93005},{"sentences":[{"text":"Is that still roughly your income?","start":835.93005,"end":837.55005,"sentiment":"neutral","sentiment_score":0.005575914867222309},{"text":"Yep.","start":839.53,"end":840.01,"sentiment":"neutral","sentiment_score":0.0811787098646164},{"text":"Beautiful.","start":840.01,"end":840.51,"sentiment":"neutral","sentiment_score":0.258943110704422},{"text":"Excellent.","start":841.21,"end":841.71,"sentiment":"neutral","sentiment_score":0.2394603043794632},{"text":"So what I've done is I've had a look at trying to apply for, trauma, and we've looked at doing it with one path.","start":842.49005,"end":849.065,"sentiment":"neutral","sentiment_score":0.03591038232358793}],"sentiment":"neutral","sentiment_score":0.0446935390884226,"num_words":33,"start":835.93005,"end":849.065},{"sentences":[{"text":"Obviously, there's lots of different options out there for insurance companies, but I tried to sort of make it so you didn't have, you know, three or four different insurers ahead of you.","start":849.065,"end":857.165,"sentiment":"neutral","sentiment_score":0.013079804544703979},{"text":"So we're looking to apply for trauma with one path.","start":857.865,"end":860.605,"sentiment":"neutral","sentiment_score":-0.0011044206097722054},{"text":"And now trauma policy stand alone can be kind of expensive.","start":861.55005,"end":865.57,"sentiment":"neutral","sentiment_score":-0.17401899058710446},{"text":"So the way I've tried to adjust the premium, make it more cheaper for you is to also add a little bit of life cover to it.","start":865.63,"end":871.79004,"sentiment":"neutral","sentiment_score":0.0870387817353562},{"text":"So we're attaching the at life and trauma policy together with a benefit of 70,000, and that essentially would cost you about $37.91 on a monthly basis.","start":871.79004,"end":884.685,"sentiment":"neutral","sentiment_score":0.284365924972075}],"sentiment":"neutral","sentiment_score":0.07902136600481484,"num_words":108,"start":849.065,"end":884.685},{"sentences":[{"text":"And that gives you a lump sum tax free payout in the event that you're, you know, diagnosed the major conditions, the things like heart attack, strokes, Parkinson's, other neurological conditions, and your cancer is probably the biggest one that is claimed on trauma.","start":884.745,"end":899.1,"sentiment":"neutral","sentiment_score":0.13742462249303405},{"text":"It is an out of pocket expense there, but having a life benefit attached to that also provides you with a benefit.","start":899.72003,"end":905.9,"sentiment":"neutral","sentiment_score":0.3123752081936056},{"text":"So under with life insurance held inside super, you actually don't get any sort of upfront assistance for funeral.","start":906.12,"end":914.22504,"sentiment":"neutral","sentiment_score":0.07323501455156427},{"text":"However, if you hold a little bit of life cover outside of super and pay for that premium out of your back pocket, You actually do get, the benefit of having some funeral expenses.","start":914.28503,"end":924.49,"sentiment":"neutral","sentiment_score":0.18416609593174038},{"text":"With OnePath, if you were to pass away prematurely by holding a life policy out of pocket, they would pay up to 25,000 upfront to the executor of your will to be able to help cover your funeral expenses for you.","start":925.35004,"end":940.145,"sentiment":"neutral","sentiment_score":0.10237240009918445}],"sentiment":"neutral","sentiment_score":0.15480824320111425,"num_words":160,"start":884.745,"end":940.145},{"sentences":[{"text":"So it's essentially the amount of the policy or 25,000 as the highest lump sum, which if you think about it could help to pay for a pretty significant funeral.","start":940.605,"end":950.4,"sentiment":"neutral","sentiment_score":0.3072372222940127},{"text":"Yeah.","start":954.94,"end":955.44,"sentiment":"neutral","sentiment_score":0.2018444985151291},{"text":"So that's one of the benefits to doing so.","start":955.82,"end":958.0,"sentiment":"neutral","sentiment_score":0.26615337530771893},{"text":"With trauma, we do link the policies together, and we do always, when we are linking policies, have a buyback option.","start":958.06,"end":963.90497,"sentiment":"neutral","sentiment_score":0.09792160313753855},{"text":"So with linking trauma and life together, and then with them both having the benefit amount of seventy thousand, if you say, for example, got cancer and claimed that seventy thousand of trauma, that actually does cancel the life policy.","start":963.96497,"end":976.62,"sentiment":"neutral","sentiment_score":-0.05600041691213846}],"sentiment":"neutral","sentiment_score":0.11515523301492823,"num_words":101,"start":940.605,"end":976.62},{"sentences":[{"text":"So we add the buyback option onto that one so that after you've had the trauma claim, that life cover is reinstated back so you can claim that life cover later down the track.","start":976.62,"end":986.24005,"sentiment":"neutral","sentiment_score":0.10398478543057162},{"text":"And we also add the reinstatement.","start":986.62,"end":988.16003,"sentiment":"neutral","sentiment_score":0.1557102526227633},{"text":"So after having one trauma claim, they can reinstate the policy for trauma for you.","start":988.46,"end":994.465,"sentiment":"neutral","sentiment_score":0.18759847283363343},{"text":"So if there's a secondary event or a secondary diagnosis, you can actually claim that again.","start":994.465,"end":1000.005,"sentiment":"neutral","sentiment_score":0.16815079376101494},{"text":"It's all part of making sure that when you're paying for insurance is that you get the benefits that really provide you with the most amount of cover possible.","start":1000.22504,"end":1008.14996,"sentiment":"positive","sentiment_score":0.39712827781151083}],"sentiment":"neutral","sentiment_score":0.21490854069590568,"num_words":100,"start":976.62,"end":1008.14996},{"sentences":[{"text":"Does that all make sense?","start":1008.20996,"end":1009.32996,"sentiment":"neutral","sentiment_score":0.23117341995239257},{"text":"Please let me know if you have questions.","start":1009.32996,"end":1010.94995,"sentiment":"neutral","sentiment_score":0.11868606600910425},{"text":"All all good.","start":1013.08997,"end":1013.985,"sentiment":"positive","sentiment_score":0.5391155083974203},{"text":"All good.","start":1014.065,"end":1014.46497,"sentiment":"positive","sentiment_score":0.5055105090141296},{"text":"I know it's a lot, and I'm so sorry.","start":1014.46497,"end":1016.225,"sentiment":"neutral","sentiment_score":-0.025944402234421834}],"sentiment":"neutral","sentiment_score":0.16667494633131558,"num_words":27,"start":1008.20996,"end":1016.225},{"sentences":[{"text":"I always try to, you know, go as easy as possible, but just making sure I touch on those points that I need to for you.","start":1016.225,"end":1021.985,"sentiment":"neutral","sentiment_score":-0.04377129716941944},{"text":"Sorry, Colleen.","start":1021.985,"end":1022.805,"sentiment":"neutral","sentiment_score":-0.0781782679259777},{"text":"Now the other thing is, obviously, on your current one part policy, you do have a a left knee exclusion that will remain on the policy currently.","start":1026.59,"end":1035.97,"sentiment":"neutral","sentiment_score":-0.15250724664440862},{"text":"We will look down the track to obviously find out how we can have that removed.","start":1036.11,"end":1040.05,"sentiment":"neutral","sentiment_score":-0.1776334112510085},{"text":"And at the moment, the policy, because it has been held for so long, does have a different adviser attached to it.","start":1040.765,"end":1046.125,"sentiment":"neutral","sentiment_score":-0.06941812959584323}],"sentiment":"neutral","sentiment_score":-0.10517676723419979,"num_words":93,"start":1016.225,"end":1046.125},{"sentences":[{"text":"So we are also gonna get you to sign a change of adviser form so we can have the policy transferred to us so that we can obviously take over and actually make changes to the policy for you and help you with it down the track if that helps.","start":1046.125,"end":1058.93,"sentiment":"neutral","sentiment_score":0.1913030382990837},{"text":"Okay?","start":1058.9901,"end":1059.4901,"sentiment":"neutral","sentiment_score":0.023154858499765396},{"text":"With looking at your health and after our conversation last year, it was obviously on disability covers.","start":1060.9901,"end":1066.7949,"sentiment":"neutral","sentiment_score":-0.0332435461528161},{"text":"The left knee exclusion would be applied, you know, moving forward.","start":1066.7949,"end":1070.575,"sentiment":"neutral","sentiment_score":-0.048817155374722046},{"text":"There's nothing else that really flagged to us that would be of a major exclusion on applying for life and trauma.","start":1071.0349,"end":1077.1349,"sentiment":"neutral","sentiment_score":-0.2137359714224225}],"sentiment":"neutral","sentiment_score":0.039977223798632625,"num_words":100,"start":1046.125,"end":1077.1349},{"sentences":[{"text":"However, we do have to go through a new application.","start":1077.195,"end":1079.615,"sentiment":"neutral","sentiment_score":-0.10936278402805329},{"text":"So if there is anything major, any preexisting illnesses, injuries that affect those sorts of covers, there could be loadings and or exclusions.","start":1079.835,"end":1088.59,"sentiment":"neutral","sentiment_score":-0.09644953906536102},{"text":"But once you go through the application for those, I'll double check the application with the admin team prior to it being submitted.","start":1088.73,"end":1095.5499,"sentiment":"neutral","sentiment_score":0.038797624490183334},{"text":"And if if there is anything that needs to be flagged, we'll have that conversation with you first.","start":1095.925,"end":1100.505,"sentiment":"neutral","sentiment_score":0.005892589998741944},{"text":"Okay?","start":1100.5651,"end":1101.0651,"sentiment":"neutral","sentiment_score":0.05861315503716469}],"sentiment":"neutral","sentiment_score":-0.030065894673268,"num_words":75,"start":1077.195,"end":1101.0651},{"sentences":[{"text":"Excellent.","start":1103.125,"end":1103.625,"sentiment":"positive","sentiment_score":0.45302456617355347},{"text":"Throughout the documents there, we do outline essentially the best interest and how this relates back to your back to your goals and why the recommendations are in your best interest.","start":1104.085,"end":1114.5701,"sentiment":"neutral","sentiment_score":0.24376117197736616},{"text":"With regard to the insurances, they're retaining the one pass policy because it is the older policy.","start":1115.3501,"end":1120.7101,"sentiment":"neutral","sentiment_score":0.07768800493110628},{"text":"It does have the much more favorable terms, and, sorry, with your regards to your income protection is the better way to retain that one and is in your best interest.","start":1120.7101,"end":1130.4049,"sentiment":"neutral","sentiment_score":0.18073956163660174},{"text":"We're just in the towel policy because you don't need that much cover.","start":1130.4049,"end":1133.605,"sentiment":"neutral","sentiment_score":-0.16334217099043039}],"sentiment":"neutral","sentiment_score":0.13773973300171796,"num_words":93,"start":1103.125,"end":1133.605},{"sentences":[{"text":"You're currently over insured and paying a lot of money for that those premiums.","start":1133.605,"end":1137.59,"sentiment":"neutral","sentiment_score":-0.2515538188495806},{"text":"And the more you pay for insurance premiums, the more it's affecting your retirement outcome, so it's good to always reduce those back.","start":1138.21,"end":1145.03,"sentiment":"neutral","sentiment_score":-0.029639588425988735},{"text":"The the trauma and life paid out of pocket essentially meets your goal because it gives you that trauma policy giving you cover for one year's worth of gross income, and having life attached helps to reduce the cost of the premiums and also gives you the benefit of the funeral cover paid out in the event something was to happen for you.","start":1145.97,"end":1162.6649,"sentiment":"positive","sentiment_score":0.42119342774625806},{"text":"The downside is trauma, is an out of pocket cost.","start":1163.0449,"end":1165.9249,"sentiment":"negative","sentiment_score":-0.45758226215839387},{"text":"So that's 37, what did I say?","start":1165.9249,"end":1168.3,"sentiment":"neutral","sentiment_score":-0.14799914402621134}],"sentiment":"neutral","sentiment_score":0.14290517367995703,"num_words":117,"start":1133.605,"end":1168.3},{"sentences":[{"text":"Sorry.","start":1168.3,"end":1168.62,"sentiment":"neutral","sentiment_score":-0.11430970579385756},{"text":"It was $37.91 would come out of your bank account or credit card on a monthly basis depending on how you choose to pay that.","start":1168.62,"end":1175.68,"sentiment":"neutral","sentiment_score":-0.052452713549137116},{"text":"Okay?","start":1175.74,"end":1176.24,"sentiment":"neutral","sentiment_score":0.013669295236468317},{"text":"Yeah.","start":1177.42,"end":1177.92,"sentiment":"neutral","sentiment_score":0.04609910398721695},{"text":"Essentially, the other side the other thing to kinda go through is obviously the beneficiary side of things.","start":1180.215,"end":1186.0549,"sentiment":"neutral","sentiment_score":0.07979690635369883}],"sentiment":"neutral","sentiment_score":0.0015322862840864966,"num_words":46,"start":1168.3,"end":1186.0549},{"sentences":[{"text":"So one of the things we talked about was that you wanted your in your insurance, your life cover, and also your super to be paid out to to your three nieces and nephews in the event that something was to happen to you.","start":1186.0549,"end":1198.4,"sentiment":"neutral","sentiment_score":0.16057659380815245},{"text":"We are making a recommendation with the estate planning as well to make sure that in the event of something occurring, that they can receive a payment.","start":1198.78,"end":1206.875,"sentiment":"neutral","sentiment_score":0.23916514769748407},{"text":"Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that works?","start":1206.875,"end":1215.055,"sentiment":"neutral","sentiment_score":0.06478707079908677},{"text":"That's okay.","start":1219.53,"end":1220.25,"sentiment":"neutral","sentiment_score":0.15950868278741837},{"text":"So under essentially, when we look at beneficiaries, there are two forms of legislation that you have to abide by.","start":1220.25,"end":1226.03,"sentiment":"neutral","sentiment_score":0.06079500280320645}],"sentiment":"neutral","sentiment_score":0.13943623569755514,"num_words":121,"start":1186.0549,"end":1226.03},{"sentences":[{"text":"Essentially, the first one is the CIS Act, and that controls who can be a beneficiary on super and insurances paid within super.","start":1226.49,"end":1235.515,"sentiment":"neutral","sentiment_score":0.052922872259565025},{"text":"Essentially, you need to be they need to be, sorry, your child, your spouse, or someone who relies on you as an interdependent relationship.","start":1236.295,"end":1243.275,"sentiment":"neutral","sentiment_score":-0.033167881425470114},{"text":"So you pay for their bills.","start":1243.415,"end":1245.015,"sentiment":"neutral","sentiment_score":-0.003053697757422924},{"text":"You look after them.","start":1245.015,"end":1245.9751,"sentiment":"neutral","sentiment_score":-0.001745914574712515},{"text":"They live with you.","start":1245.9751,"end":1247.115,"sentiment":"neutral","sentiment_score":-0.005577730014920235}],"sentiment":"neutral","sentiment_score":0.006124264636977774,"num_words":61,"start":1226.49,"end":1247.115},{"sentences":[{"text":"And at time of claim, they have to prove that they have that financial or interdependent relationship, and it can be very, very hard to claim to prove.","start":1247.21,"end":1255.87,"sentiment":"neutral","sentiment_score":-0.17813951256019728},{"text":"So because your nieces and nephews don't quite qualify for that, I'm recommending that on the CalLife policy, the one pass sorry.","start":1256.41,"end":1264.125,"sentiment":"neutral","sentiment_score":-0.01706145369363102},{"text":"On the the one pass policy and your hub 24 super that we do or that we do update your beneficiary nominations to legal personal representative.","start":1264.125,"end":1274.3849,"sentiment":"neutral","sentiment_score":0.15352033623136008},{"text":"Now that essentially means that in the event of you passing, your super and life insurance would fully be paid out to your estate.","start":1275.12,"end":1284.34,"sentiment":"neutral","sentiment_score":0.17568057992806038},{"text":"And then you just need to make sure you have an updated will, have a will drawn up by a solicitor or do a will kit or however you prefer to do so.","start":1285.04,"end":1293.365,"sentiment":"neutral","sentiment_score":0.10212529834472772}],"sentiment":"neutral","sentiment_score":0.04672736220089789,"num_words":133,"start":1247.21,"end":1293.365},{"sentences":[{"text":"And in the body of the will, it just needs to clearly outline that you want the funds to be paid to your nieces and nephews and however whatever percentage that you choose for that to be in.","start":1293.365,"end":1303.29,"sentiment":"neutral","sentiment_score":0.03751086747567905},{"text":"The risk with updating the beneficiaries this way is that picking legal personal representative means that it goes through to your estate.","start":1303.8501,"end":1310.73,"sentiment":"neutral","sentiment_score":-0.008440261368047108},{"text":"That's absolutely fine.","start":1310.73,"end":1312.01,"sentiment":"neutral","sentiment_score":0.23301823437213898},{"text":"But if you don't have a will drawn up to then direct the funds out as per your wishes, then it goes through a probate process, which is a legal process of distribution of funds, and that can take anywhere between twelve to two years.","start":1312.01,"end":1325.6649,"sentiment":"neutral","sentiment_score":-0.10171553658114539},{"text":"I've seen it go for five years sometimes.","start":1325.6649,"end":1327.6849,"sentiment":"neutral","sentiment_score":-0.10625641280785203}],"sentiment":"neutral","sentiment_score":-0.03007300458206185,"num_words":116,"start":1293.365,"end":1327.6849},{"sentences":[{"text":"So it is important that you do have a will drawn up as well.","start":1327.825,"end":1333.36,"sentiment":"neutral","sentiment_score":0.056444290759308},{"text":"Okay?","start":1333.42,"end":1333.92,"sentiment":"neutral","sentiment_score":0.04968522489070892},{"text":"Beautiful.","start":1336.46,"end":1336.96,"sentiment":"positive","sentiment_score":0.4413577616214752},{"text":"But when it yeah.","start":1337.58,"end":1339.1,"sentiment":"neutral","sentiment_score":0.16610273718833923},{"text":"It's all good.","start":1339.1,"end":1339.74,"sentiment":"positive","sentiment_score":0.40285075704256695}],"sentiment":"neutral","sentiment_score":0.13714027291406755,"num_words":23,"start":1327.825,"end":1339.74},{"sentences":[{"text":"But when it comes to the beneficiary nominations, we will obviously help you.","start":1339.74,"end":1343.535,"sentiment":"neutral","sentiment_score":0.22486299734849197},{"text":"We if you're comfortable with us, my team can tick the boxes and prefill the forms as much as possible.","start":1343.535,"end":1348.435,"sentiment":"neutral","sentiment_score":0.2562844157218933},{"text":"We'll get them out to you.","start":1349.055,"end":1350.175,"sentiment":"neutral","sentiment_score":0.32336752116680145},{"text":"That way, they can be signed and witnessed.","start":1350.175,"end":1352.5951,"sentiment":"neutral","sentiment_score":0.2527116648852825},{"text":"Witnesses just have to be over the age of 18, and it can be absolutely anyone you like.","start":1353.295,"end":1358.15,"sentiment":"neutral","sentiment_score":0.1238344388289584}],"sentiment":"neutral","sentiment_score":0.21907424038419357,"num_words":65,"start":1339.74,"end":1358.15},{"sentences":[{"text":"It can be your best friend or client, your next door neighbor, your mom and dad, anyone you prefer.","start":1358.15,"end":1362.81,"sentiment":"positive","sentiment_score":0.5478192991332004},{"text":"So it's just about making sure that someone witnesses you signing them and that two people witness the nominations with you.","start":1362.87,"end":1369.35,"sentiment":"neutral","sentiment_score":0.275477334856987},{"text":"Okay?","start":1369.35,"end":1369.85,"sentiment":"neutral","sentiment_score":0.32889437675476074},{"text":"Beautiful.","start":1371.775,"end":1372.275,"sentiment":"positive","sentiment_score":0.7704516649246216},{"text":"And then I have obviously made a recommendation in here to set up a will and also power of attorney.","start":1372.3351,"end":1376.995,"sentiment":"neutral","sentiment_score":0.2699108630418777}],"sentiment":"positive","sentiment_score":0.36598635512974953,"num_words":62,"start":1358.15,"end":1376.995},{"sentences":[{"text":"We do have solicitors that we can refer you through to if you do require the services of them.","start":1377.295,"end":1382.91,"sentiment":"neutral","sentiment_score":0.1782500783079549},{"text":"Alternatively, if you just got a local solicitor who can set up a will, generally, getting a will in place is pretty cheap if you're just doing a very soft standard will.","start":1383.31,"end":1392.13,"sentiment":"neutral","sentiment_score":0.22111633559688926},{"text":"More complex will do get into sort of the $12,000 mark, but normally, anywhere between 3 to $500, you can just do up a very stock standard simple will.","start":1392.5901,"end":1403.085,"sentiment":"neutral","sentiment_score":0.10743073258420517},{"text":"So, absolutely easy to do.","start":1403.085,"end":1405.825,"sentiment":"positive","sentiment_score":0.5922702133655549},{"text":"Inside the document there, we do also have the advantages, disadvantages, the risks involved.","start":1407.005,"end":1411.6649,"sentiment":"neutral","sentiment_score":0.11027763304965836}],"sentiment":"neutral","sentiment_score":0.1826586202163287,"num_words":99,"start":1377.295,"end":1411.6649},{"sentences":[{"text":"I've as so added a best interest duty as noted onto, essentially, all those recommendations.","start":1411.885,"end":1418.87,"sentiment":"neutral","sentiment_score":0.32740205228328706},{"text":"So you'll be able to have a really good rate through those.","start":1419.09,"end":1421.6699,"sentiment":"positive","sentiment_score":0.596602737903595},{"text":"Our ongoing service fee is also still applied.","start":1423.01,"end":1426.45,"sentiment":"neutral","sentiment_score":0.248439010232687},{"text":"We've also attached the ongoing service agreement for the next twelve months through that email as well.","start":1426.61,"end":1431.435,"sentiment":"neutral","sentiment_score":0.19756335458334753},{"text":"So you do pay us a fee of 1.65% per annum, and that is deducted in smaller monthly increments out of your super for our services, updating the advice, and everything like that.","start":1431.435,"end":1441.4551,"sentiment":"neutral","sentiment_score":0.19550986384803598}],"sentiment":"neutral","sentiment_score":0.2808020971277181,"num_words":85,"start":1411.885,"end":1441.4551},{"sentences":[{"text":"We renew that with you every year, and we wanna make sure that these policies stay in line with your needs.","start":1441.93,"end":1447.53,"sentiment":"positive","sentiment_score":0.34819798739183516},{"text":"Because as I said, they are gonna get more expensive over time, and we don't want you to have no super when you get the retirement there.","start":1447.53,"end":1453.93,"sentiment":"neutral","sentiment_score":-0.16670786120273448},{"text":"So we will do reviews with you, making sure to keep them up to date, check them with you, and make alterations as we need to.","start":1453.93,"end":1462.0,"sentiment":"neutral","sentiment_score":0.1680871517612384},{"text":"With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us.","start":1462.0,"end":1473.97,"sentiment":"neutral","sentiment_score":0.20483344261135375},{"text":"It is paid by the insurance company and not by you.","start":1474.19,"end":1477.15,"sentiment":"neutral","sentiment_score":0.05479079281741923}],"sentiment":"neutral","sentiment_score":0.1196402348907648,"num_words":113,"start":1441.93,"end":1477.15},{"sentences":[{"text":"But for insurances across the board, we do receive 66% of the first year's premium and then 22% there ongoing for you.","start":1477.15,"end":1485.39,"sentiment":"neutral","sentiment_score":0.17570795559070326},{"text":"So that is stock standard across the board.","start":1485.39,"end":1488.1749,"sentiment":"positive","sentiment_score":0.33697836101055145},{"text":"It's legislated that way, and that has no effect on my recommendations in any way, shape, or form.","start":1488.1749,"end":1494.015,"sentiment":"neutral","sentiment_score":0.05903878062963486},{"text":"Every recommendation I make has to be in your best interest, and that's why I have a best interest duty in there for you just relaying it back to your goals and making sure that I'm doing the right thing by you.","start":1494.015,"end":1505.2999,"sentiment":"neutral","sentiment_score":0.2771423345520383},{"text":"Okay?","start":1505.6,"end":1506.1,"sentiment":"neutral","sentiment_score":0.1259876936674118}],"sentiment":"neutral","sentiment_score":0.21307764513479485,"num_words":91,"start":1477.15,"end":1506.1},{"sentences":[{"text":"With your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us.","start":1507.6,"end":1520.605,"sentiment":"neutral","sentiment_score":0.06926268112005257},{"text":"Essentially, with that policy being as it is so old, the commission structure is slightly different.","start":1521.225,"end":1528.265,"sentiment":"neutral","sentiment_score":-0.054250195855274796},{"text":"It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about $374.","start":1528.265,"end":1536.28,"sentiment":"neutral","sentiment_score":0.03360070077621419},{"text":"When you look at the document, when you get to the end of it on page 39, we have outlined and sorry, 38.","start":1537.14,"end":1545.2201,"sentiment":"neutral","sentiment_score":0.05161113227191179},{"text":"We have outlined the breakdown of the commissions that we do receive so that we are upfront and just disclose those to you.","start":1545.2201,"end":1552.9451,"sentiment":"neutral","sentiment_score":0.07601243484279384}],"sentiment":"neutral","sentiment_score":0.045078769474039,"num_words":126,"start":1507.6,"end":1552.9451},{"sentences":[{"text":"But just so you're aware, they are paid by the insurer to us, not by you.","start":1552.9451,"end":1557.6051,"sentiment":"neutral","sentiment_score":0.008029812248423696},{"text":"It's just the ongoing service that comes out of your super.","start":1557.9851,"end":1560.7051,"sentiment":"neutral","sentiment_score":0.05175801908428019},{"text":"That is the fee that you pay for.","start":1560.7051,"end":1562.47,"sentiment":"neutral","sentiment_score":0.07404383411630988},{"text":"Is that okay?","start":1562.47,"end":1563.2699,"sentiment":"neutral","sentiment_score":0.08716608583927155},{"text":"Do you have any questions?","start":1563.2699,"end":1564.4099,"sentiment":"neutral","sentiment_score":0.033167964220046996}],"sentiment":"neutral","sentiment_score":0.03994195249884627,"num_words":43,"start":1552.9451,"end":1564.4099},{"sentences":[{"text":"Do you have any questions in relation to any of that?","start":1566.71,"end":1569.35,"sentiment":"neutral","sentiment_score":0.0006837063384327022},{"text":"Yeah.","start":1569.35,"end":1569.75,"sentiment":"neutral","sentiment_score":0.09819743037223816},{"text":"All good.","start":1569.75,"end":1570.4099,"sentiment":"neutral","sentiment_score":0.25418128073215485},{"text":"All good.","start":1572.95,"end":1573.59,"sentiment":"neutral","sentiment_score":0.26579703390598297},{"text":"So to kinda give you a really simple run through of what we will do to implement this, we'll start by just doing your investment switch, just changing the investments, then we'll get you to sign the one pass form to change the adviser on that policy.","start":1573.59,"end":1586.9451,"sentiment":"neutral","sentiment_score":0.16399936282888372}],"sentiment":"neutral","sentiment_score":0.14053404575125092,"num_words":63,"start":1566.71,"end":1586.9451},{"sentences":[{"text":"We'll then go through a reduction with your tower policy, and we'll also reduce your life and TPD on the one pass policy simultaneously.","start":1587.3251,"end":1595.4701,"sentiment":"neutral","sentiment_score":0.10933364663893978},{"text":"We'll apply for the life and trauma policy to get that instated and then get your beneficiaries all in line as well.","start":1596.17,"end":1603.53,"sentiment":"neutral","sentiment_score":0.22393011877482588},{"text":"So that's how the implementation would work for this.","start":1603.53,"end":1606.3501,"sentiment":"neutral","sentiment_score":0.169944666326046},{"text":"Okay.","start":1607.445,"end":1607.945,"sentiment":"positive","sentiment_score":0.4442405104637146},{"text":"Beautiful.","start":1608.565,"end":1609.065,"sentiment":"positive","sentiment_score":0.7173147201538086}],"sentiment":"neutral","sentiment_score":0.17967591859530985,"num_words":57,"start":1587.3251,"end":1609.065},{"sentences":[{"text":"That is all I'm going to sort of put out there for now.","start":1609.765,"end":1613.125,"sentiment":"positive","sentiment_score":0.40804415482741135},{"text":"I've gone through everything I need, sir, and it's a lot.","start":1613.125,"end":1616.485,"sentiment":"neutral","sentiment_score":0.19609416208483957},{"text":"And I'm sure your head is a little bit exploding with information right now.","start":1616.485,"end":1620.905,"sentiment":"neutral","sentiment_score":-0.09877728018909693},{"text":"Absolutely.","start":1624.61,"end":1625.11,"sentiment":"neutral","sentiment_score":0.20265009999275208},{"text":"I completely understand.","start":1625.65,"end":1627.03,"sentiment":"neutral","sentiment_score":0.20217485229174295}],"sentiment":"neutral","sentiment_score":0.16399767928357636,"num_words":42,"start":1609.765,"end":1627.03},{"sentences":[{"text":"But, look, although the s the statement of advice and all the quotes, all the supporting documents, the ongoing service agreement, all of that is in that email in in your inbox for you now.","start":1627.49,"end":1640.475,"sentiment":"neutral","sentiment_score":0.056523466323103226},{"text":"When you get some time, I would probably suggest make yourself a cup of tea, have a sit down, open up the email, run your eyes to the advice document.","start":1641.1749,"end":1649.5149,"sentiment":"neutral","sentiment_score":0.16607167348265647},{"text":"If you do have any questions, let us know.","start":1649.575,"end":1652.315,"sentiment":"neutral","sentiment_score":0.09424506748716037},{"text":"And, yeah, if you're happy once you've gone through it and read it and you understand it, if you are happy to proceed with the recommendations, we'll just get you to sign and return that.","start":1653.63,"end":1662.61,"sentiment":"neutral","sentiment_score":0.24976907862084252},{"text":"If there's any part of the recommendations you do not wish to proceed with, on the very last page, we do have a text box.","start":1663.15,"end":1670.355,"sentiment":"neutral","sentiment_score":-0.0899986032396555}],"sentiment":"neutral","sentiment_score":0.10672111793963322,"num_words":134,"start":1627.49,"end":1670.355},{"sentences":[{"text":"So you can just write in there any part that you're not wanting to proceed with.","start":1670.355,"end":1674.755,"sentiment":"neutral","sentiment_score":-0.055660403333604336},{"text":"Okay?","start":1674.755,"end":1675.255,"sentiment":"neutral","sentiment_score":0.010080156847834589},{"text":"And we've also got in there just noted down all of your assets and liabilities and things that we went through when we spoke last time.","start":1677.555,"end":1684.49,"sentiment":"neutral","sentiment_score":0.07385785992328937},{"text":"Just feel free to run your eyes over those.","start":1684.49,"end":1686.41,"sentiment":"neutral","sentiment_score":0.09713689072264566},{"text":"If you think there's any changes that you would like to have updated in the back end, please let me know.","start":1686.41,"end":1692.03,"sentiment":"neutral","sentiment_score":0.035231358504721096}],"sentiment":"neutral","sentiment_score":0.03635491241943346,"num_words":73,"start":1670.355,"end":1692.03},{"sentences":[{"text":"We can always update that in the back end there for you as well, and we'll make sure we do a review down the track.","start":1692.365,"end":1697.5851,"sentiment":"neutral","sentiment_score":0.11558872148394585},{"text":"Okay?","start":1697.7251,"end":1698.2251,"sentiment":"neutral","sentiment_score":0.06398272514343262},{"text":"You're just all good.","start":1700.2051,"end":1701.645,"sentiment":"positive","sentiment_score":0.3634665906429291},{"text":"Thank you for your time, Colleen.","start":1701.645,"end":1703.165,"sentiment":"positive","sentiment_score":0.4827553977568944},{"text":"I'm sorry.","start":1703.165,"end":1703.7251,"sentiment":"neutral","sentiment_score":-0.06340539641678333}],"sentiment":"neutral","sentiment_score":0.18887601890846303,"num_words":38,"start":1692.365,"end":1703.7251},{"sentences":[{"text":"I knew this was gonna be a lot.","start":1703.7251,"end":1705.405,"sentiment":"neutral","sentiment_score":-0.1277069253847003},{"text":"I just look.","start":1705.405,"end":1713.85,"sentiment":"neutral","sentiment_score":-0.02629406253496806},{"text":"Honestly, you are absolutely amazing.","start":1713.85,"end":1717.95,"sentiment":"positive","sentiment_score":0.38577844500541686},{"text":"Have you had a busy day?","start":1718.0099,"end":1719.6299,"sentiment":"neutral","sentiment_score":0.07650914291540782},{"text":"Yep.","start":1722.9049,"end":1723.4049,"sentiment":"neutral","sentiment_score":0.06745161861181259}],"sentiment":"neutral","sentiment_score":0.05890700480212336,"num_words":23,"start":1703.7251,"end":1723.4049},{"sentences":[{"text":"Yep.","start":1723.945,"end":1724.445,"sentiment":"neutral","sentiment_score":0.0986202359199524},{"text":"Well, it worked out good because I know from previous conversations with your job, you can get call outs at all times of the day and the night.","start":1725.625,"end":1732.505,"sentiment":"positive","sentiment_score":0.4475756287574768},{"text":"So Oh, we did well.","start":1732.505,"end":1735.6101,"sentiment":"neutral","sentiment_score":0.2043354719877243},{"text":"We did well to catch you.","start":1737.3501,"end":1739.2101,"sentiment":"positive","sentiment_score":0.5599378347396851},{"text":"Well, please take time to read that one through.","start":1739.27,"end":1741.27,"sentiment":"neutral","sentiment_score":0.27132585644721985}],"sentiment":"positive","sentiment_score":0.39701989627614315,"num_words":49,"start":1723.945,"end":1741.27},{"sentences":[{"text":"Let me know if there's any questions, and I hope you have a safe trip home and a really good night, Colleen.","start":1741.27,"end":1746.1549,"sentiment":"positive","sentiment_score":0.5602114972743121},{"text":"But thank you for your time this afternoon.","start":1746.1549,"end":1747.995,"sentiment":"positive","sentiment_score":0.6834697686135769},{"text":"I appreciate that.","start":1747.995,"end":1749.215,"sentiment":"positive","sentiment_score":0.6887190540631613},{"text":"Thank you.","start":1751.355,"end":1751.835,"sentiment":"positive","sentiment_score":0.547214150428772},{"text":"I'll talk to you soon.","start":1751.835,"end":1752.955,"sentiment":"neutral","sentiment_score":0.30823564529418945}],"sentiment":"positive","sentiment_score":0.5623543694615364,"num_words":40,"start":1741.27,"end":1752.955},{"sentences":[{"text":"See you later.","start":1752.955,"end":1753.7749,"sentiment":"neutral","sentiment_score":0.24971484144528708},{"text":"Bye.","start":1755.0349,"end":1755.5349,"sentiment":"neutral","sentiment_score":0.13074027001857758}],"sentiment":"neutral","sentiment_score":0.2199711985886097,"num_words":4,"start":1752.955,"end":1755.5349}]}}]},{"alternatives":[{"transcript":"Hello? Hello? I'm good. Thank you. How are you? Yeah. Yep. Are we fine? Yeah. Yeah. That's fine. Yes. Yes. Yep. Yeah. Yep. Yep. Okay. Yep. Yep. Yeah. You're alright. Yeah. Yep. Yep. Yes. Yes. Yep. Yes. Yep. Mhmm. Yes. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yes. Yep. Yes. Yes. Florida. Yes. Yep. Yep. Yes. Yeah. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Alright. Yes. Yeah. No. It's all good. Yep. Yep. No. Yep. That's alright. Yep. Yep. Yes. Yep. Yep. No. Yes. Yes. Yes. Alright. Yeah. Yeah. Yeah. Kyle. Kyle. Yes. Yes. Yep. Yes. Yes. Yeah. Yep. Yep. Alright. Yeah. I'm gonna do that. Yes. Yep. Yep. Yeah. Yes. Yes. Yeah. Yes. Yep. Yep. Yep. Yep. Yeah. I think so. Yeah. Over the diaper. Yeah. I'll wear the Marmos. Yep. Yep. Yep. Okay. Just a little. Yep. Yep. Yep. Alright. Yep. Yep. Okay. That's alright. Oh, goodness. Yeah. I'm on my black ice. I don't see bad. I can look into it all. A little. How many bags? Yeah. Oh, yeah. Becky. Yes. That's for sure. Yes. Yeah. Alright. Thank you. 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Hello? I'm good. Thank you. How are you?\n\nYeah. Yep. Are we fine? Yeah. Yeah.\n\nThat's fine. Yes. Yes. Yep. Yeah.\n\nYep. Yep. Okay. Yep. Yep.\n\nYeah. You're alright. Yeah. Yep. Yep.\n\nYes. Yes. Yep. Yes. Yep.\n\nMhmm. Yes. Yep. Yep. Yes.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Yes. Yep.\n\nYes. Yes. Florida. Yes. Yep.\n\nYep. Yes. Yeah. Yep. Yep.\n\nYes. Yes. Yep. Yep. Yep.\n\nAlright. Yes. Yeah. No. It's all good.\n\nYep. Yep. No. Yep. That's alright.\n\nYep. Yep. Yes. Yep. Yep.\n\nNo. Yes. Yes. Yes. Alright.\n\nYeah. Yeah. Yeah. Kyle. Kyle.\n\nYes. Yes. Yep. Yes. Yes.\n\nYeah. Yep. Yep. Alright. Yeah.\n\nI'm gonna do that. Yes. Yep. Yep. Yeah.\n\nYes. Yes. Yeah. Yes. Yep.\n\nYep. Yep. Yep. Yeah. I think so.\n\nYeah. Over the diaper. Yeah. I'll wear the Marmos. Yep.\n\nYep. Yep. Okay. Just a little. Yep.\n\nYep. Yep. Alright. Yep. Yep.\n\nOkay. That's alright. Oh, goodness. Yeah. I'm on my black ice.\n\nI don't see bad. I can look into it all. A little. How many bags? Yeah.\n\nOh, yeah. Becky. Yes. That's for sure. Yes.\n\nYeah. Alright. Thank you. Okay. Take care.\n\nBye. 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Hello?\n\nChannel 0: Hi, Colleen. It's Dana from Okey Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: Very well. Thank you. I had to book in to go through your updated advice document. Is now still a good time? Or all good.\n\nGood. Oh, no. That's okay. I thought I could hear something in the background. Wasn't quite sure what that was.\n\nNo. All good, Colleen. So you're on your way home at the moment in traffic there, so you clearly don't have access to your emails. Are you okay if I just run through essentially the updated advice and let you have a look at it later? Is that okay?\n\nOr\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yeah.\n\nChannel 1: Are\n\nChannel 0: That's\n\nChannel 1: we\n\nChannel 0: okay.\n\nChannel 1: fine? Yeah.\n\nChannel 0: All good. Or did you want me to maybe give you a bit of a callback later when you're at home? What's easier for you? No. No.\n\nThat's okay. Not a problem at all. Look. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. So, Colleen, look, the advice document was essentially centered around the superannuation and the insurances. You obviously have quite a lot of insurances between the two policies there. And when\n\nChannel 1: Yes.\n\nChannel 0: you and I spoke last year, we talked about looking to try and alter those insurances so that you have the level of cover you're after, but that we can hopefully reduce the cost a bit for you as well. Yeah. All good. So just wanting to obviously start on that for you. When you\n\nChannel 1: Yes.\n\nChannel 0: do look at the advice document, which I have emailed to you as well, that'll be in your inbox. It does note here that the document has been prepared as of today's date. All of our advice is valid for sixty days, so take some time to have a read through the document. Let me know if you do happen to have any questions there. On the front page, it also has my authorized representative number as in a licensed adviser with ASIC,\n\nChannel 1: Yep.\n\nChannel 0: and my license number is 1304394. Okay? Beautiful. Now since we did speak last year to do a bit of a catch up with you at the end of last year, we have sort of also done a bit of research around your super. Hub twenty four is working really well for you.\n\nHowever, we have noted that some of the investments have underperformed a little bit this year, so we wanted to make sure your super is working as hard as possible as well as, obviously, having your insurance is hopefully re reduced a little bit for you. So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch. So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit. So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. I won't go through all the individual investments. They're kinda confused. It'll make it too overcomplicated. But when you have a look at that side, the at that page of the document, you'll see you've got a list of the investments.\n\nIt also has what we're gonna be buying and selling in red and green, and the last column essentially shows you what the target weighting will be. So once we complete the switch, you'll still see a bit of physical gold, cybersecurity, Australian equities, US equities, and a bit of European, Japanese, and global exposure in there, but just wanting to make sure your super is working as hard as possible for you. One of one of the things I sort of looked at as well was how, obviously, the newer portfolio versus your older portfolio has performed. When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at all. But\n\nChannel 1: Yep.\n\nChannel 0: by making the switch, you'll see when you see the documents there, the newer portfolio has actually performed and showed an average rate of return of 11.55% over the past five years. So so so long as market conditions act the same as they have, if you're able to get that same performance over the next five to ten years, it actually increases the returns that you're able to get and does put you in a better position long term. It increases the projected amount over the next five to ten years for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. With making any changes to the investments, we are very mindful that your super fund, like you, does a tax return every year, so there are tax consequences inside super for making investment changes. We did\n\nChannel 1: Okay.\n\nChannel 0: do the research noting that the expected CDT cost for your super force switching the investments out and making the changes that I've recommended, we'd expect it to be about $846 in CGT, so not too bad. I did look at moving you to other platforms, but it works out better to stay where you are. It minimizes the CGT. And this investment portfolio we're looking to move you into by making those changes actually also saves you about $211 for the year on investment fees as well. So it's you know, had a much better past performance is a bit cheaper in investment fees, and essentially can put you in a much better position moving forward.\n\nSo that's why we decided to make the switch and move some of those investments around for you. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: All all good. I didn't wanna make that too overcomplicated and confuse you too much, but have a look at that page on page 16 when you see the document. You'll see the red and the green, which shows you what we're buying and selling. And the last column, as I said before, just kind of reiterate what the your what your expected exposure is after we complete the switch. If you have any questions in relation to those investments, let me know.\n\nI just don't wanna overcomplicate it whilst you're in traffic there for you.\n\nChannel 1: Yeah. You're alright. Yeah.\n\nChannel 0: All good, Colleen. Now all the other thing I sorta had to look at was, obviously, your cash balance is a little bit high at the moment. So within super, we only wanna hold a bare minimum amount of cash. You want most of your money to be invested. So at the moment, you've got about 2% cash there.\n\nWe only wanna hold about 1.25%. So we will be taking some of the extra cash and investing that in the portfolio for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Now one of the biggest things that we were sort of talking about was your insurance policy. So you have your insurance\n\nChannel 1: Yes.\n\nChannel 0: policy with one pass and tow, and it is costing you a lot at the moment, and that only gets more and more expensive over time. When\n\nChannel 1: Yes.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: sort of spoke last year, your goal was with regard to the insurance there. You wanted to make sure that in the event of, you know, you passing away, that your mortgages were covered. You wanted to use with the gross income as well and then also have the funds paid out to your three nieces and nephews to make sure they were looked after in the event of something occurring.\n\nChannel 1: Yes.\n\nChannel 0: With regard to TBD, so total permanent disability, again, you wanted to be able to pay out your mortgage and cover up to five years\n\nChannel 1: Yep.\n\nChannel 0: worth of income replacement for you to live on, and then also make sure you had enough income protection to cover up to 70% of your income. We talked about having the shortest waiting period possible and keeping the benefit period at age 65. So because you're a veterinarian nurse, you spend a lot of time out and about, and the likelihood of you being off work for a long period of time or suffering a major injury, that's pretty high on the spectrum there. So\n\nChannel 1: Mhmm.\n\nChannel 0: making sure you had a good benefit period for your income protection. And then we also talked about trauma. So trauma pays out a lump sum benefit in the event of you being unable to sorry. May sorry. Diagnosed with a major traumatic illness or injury.\n\nEssentially, trauma is an out of pocket expense, and we talked about just looking to cover you for one year's worth of gross income because trauma is not paid inside super like the other types of cover. When we spoke, he wanted to see what the cost of trauma would be and then look at whether that was cost effective for you to apply for. Does that also ring a bell? Does that make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Does it all sound appropriate still?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. So when I had a look at the two policies that you do have with Telum OnePath, I've essentially been able to work out a way that we can alter the policies there. So we also talked about with TPD how there is taxation on TPD if you claim and you're under 60. So we also wanted to gross that up to account for the tax side of things for you.\n\nAnd we've also just do sorry. Minus off your super balance so we can have that as a bit of a buffer. Essentially, with your current cover with one pass, your life and TBD benefit is at 921,867. They are a linked policy paid out of super. And then you've got your income protection policy giving you a monthly benefit of $3.04 sorry.\n\n3,411\n\nChannel 1: Yes.\n\nChannel 0: on a thirty day wait and a $8.65 benefit. Now this policy you've had here is the longest policy. This the one that we have an authority on and has been set up since 2021.\n\nChannel 1: Yep.\n\nChannel 0: This policy is a really great policy. The income protection side of that isn't quite meeting that 70% of your income side of things. So the way I've been looked at to alter the policy is that we're going to reduce the one path policy, life and TPD back to a need. So we're gonna reduce the $9.21 back to 630,000 for the life and\n\nChannel 1: Yep.\n\nChannel 0: TPD. That reduces some of the costs for you and retaining the income protection exactly as it is because it has the lowest waiting period. It has the age 65 benefit period, and the income protection policy isn't quite at need. So that will reduce the cost a little sorry, a little bit for you. That\n\nChannel 1: Yep.\n\nChannel 0: essentially reduces your premiums from 5,355 and 70¢ to $3,177.55\n\nChannel 1: Yep.\n\nChannel 0: approximately that. Okay? The second policy you have is the power policy. You've got over 390,000 of life and TPD there, again, paid out of super and an income protection policy with a monthly benefit of $4,566 on a sixty day wait and with only a five year benefit period. What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD.\n\nI am recommending with the power policy that we set up for you when you came onboard with us that we cancel the life and TBD out of that. That will reduce the cost for you. And then we just reduced the income protection policy down to 650 as a monthly benefit. That offsets what you've got on the one pass policy and essentially meets your needs.\n\nChannel 1: Yep.\n\nChannel 0: That means you're reducing your costs very significantly, and the policy the amount that is expected to be paid for these policies after we do these reductions and cancellations saves you over $4,152 in premium.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. You're right? It is quite a significant, yeah, it is a quite a significant saving. So what I would like to do and the other thing with the one pass policy is, that does go through renewal every year, and those premiums do increase along with CPI or along with their set interest increase rate. So each time the one pass policy goes to renewal and that monthly benefit of your income protection increases slightly, we can reevaluate that against the TOW policy and continue to reduce that income protection policy with Tower.\n\nSo, eventually, we'll be able to cancel that policy wholly.\n\nChannel 1: Yep.\n\nChannel 0: That essentially the reason I wanted to cancel the Tower policy wholly is that your your one pass policy has been held for much longer. That way,\n\nChannel 1: Yes.\n\nChannel 0: it does provide greater benefit.\n\nChannel 1: Yep.\n\nChannel 0: The thirty day wait and the eight sixty five benefit period suited your needs more, whereas the towel policy only had a sixty day wait and a five year benefit period. So the towel policy is absolutely less the period than the one part policy. Yes. The one pass policy has been held longer and can cost more, but it is that it's retained that way possible. So this is sort of what I wanted to do with that.\n\nIt does save you over $4,000 in premiums, which is a positive, But we just have to keep making sure that those policies stay in line with your needs because they will continue to get more expensive over time, and we wanna keep reducing those back as we need to. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Florida.\n\nChannel 0: Yeah. I know it is a lot to go through. So when you have some time, you're able to check your emails. Please have a look at the documents and read through those pages.\n\nChannel 1: Yes.\n\nChannel 0: The breakdown of the recommendations around insurances are on page 22 for you, so\n\nChannel 1: Yep.\n\nChannel 0: that will certainly help. And let me know if you do happen to have any questions there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Now the other thing we talked about was the life and trauma. So you wanted to see what trauma would cost you. Essentially, we were looking at applying for about one year's worth of income. You were on about 70,000 per annum when we spoke last.\n\nIs that still roughly your income?\n\nChannel 1: Yes. Yeah. Yep.\n\nChannel 0: Yep. Beautiful. Excellent. So what I've done is I've had a look at trying to apply for, trauma, and we've looked at doing it with one path. Obviously, there's lots of different options out there for insurance companies, but I tried to sort of make it so you didn't have, you know, three or\n\nChannel 1: Yep.\n\nChannel 0: four different insurers\n\nChannel 1: Yes.\n\nChannel 0: ahead\n\nChannel 1: Yes.\n\nChannel 0: of you.\n\nChannel 1: Yep.\n\nChannel 0: So we're looking to apply for trauma with one path. And now trauma policy stand alone can be kind of expensive. So the way I've tried to adjust the premium, make it more cheaper for you is to also add a little bit of life cover to it. So we're attaching the at life and trauma policy together with a benefit of 70,000, and that essentially would cost you about $37.91 on a monthly basis. And that gives you a lump sum tax free payout in the event that you're, you know, diagnosed the major conditions, the things like heart attack, strokes, Parkinson's, other neurological conditions, and your cancer is probably the biggest one that is claimed on trauma.\n\nIt is an out of pocket expense there, but having a life benefit attached to that also provides you with a benefit. So under with life insurance held inside super, you actually don't get any sort of upfront assistance for funeral. However, if you hold a little bit of life cover outside of super and pay for that premium out of your back pocket, You actually do get, the benefit of having some funeral expenses. With OnePath, if you were to pass away prematurely by holding a life policy out of pocket, they would pay up to 25,000 upfront to the executor of your will to be able to help cover your funeral expenses for you. So it's essentially the amount of the policy or 25,000 as the highest lump sum, which if you think about it could help to pay for a pretty significant funeral.\n\nYeah. So that's one of the benefits to doing so. With trauma, we do link the policies together, and we do always, when we are linking policies, have a buyback option. So with linking trauma and life together, and then with them both having the benefit amount of seventy thousand, if you say, for example, got cancer and claimed that seventy thousand of trauma, that actually does cancel the life policy. So we add the buyback option onto that one so that after you've had the trauma claim, that life cover is reinstated back so you can claim that life cover later\n\nChannel 1: Yep.\n\nChannel 0: down the track. And we also add the reinstatement. So after having one trauma claim, they can reinstate the policy for trauma for you. So if there's a secondary event or a secondary diagnosis, you can actually claim\n\nChannel 1: Yep.\n\nChannel 0: that again. It's all part of making\n\nChannel 1: Alright.\n\nChannel 0: sure that when you're paying for insurance is that you get the benefits that really provide you with the most amount of cover possible. Does that all make sense?\n\nChannel 1: Yes.\n\nChannel 0: Please let me know if you have questions.\n\nChannel 1: Yeah. No. It's all good. Yep.\n\nChannel 0: All all good. All good. I know it's a lot, and I'm so sorry. I always try to, you know, go as easy as possible, but just making\n\nChannel 1: Yep.\n\nChannel 0: sure\n\nChannel 1: No.\n\nChannel 0: I touch on those points that I need to for you.\n\nChannel 1: Yep.\n\nChannel 0: Sorry, Colleen.\n\nChannel 1: That's alright.\n\nChannel 0: Now the other thing is, obviously, on your current one part policy, you do have a a left knee exclusion that will remain on the policy currently. We will look down the track to obviously find out how we can have that removed. And at the moment, the policy, because it has been held for so long, does have a different adviser attached to it. So we are also gonna get you to sign a change of adviser form so we can have the\n\nChannel 1: Yep.\n\nChannel 0: policy transferred to us so that\n\nChannel 1: Yep.\n\nChannel 0: we can obviously take over and actually make changes to the policy for you and help you with it down the track if that helps. Okay? With looking at your health and after our conversation last year, it was obviously on disability covers. The left knee exclusion would be applied, you know, moving forward. There's nothing else that really flagged to us that would be of a major exclusion on applying for life and trauma.\n\nHowever, we do have to go through a new application. So if there is anything major, any preexisting\n\nChannel 1: Yes.\n\nChannel 0: illnesses, injuries that affect those sorts of covers, there could be loadings and or exclusions. But once you go through the application for those, I'll double check the application with the admin team prior to it being submitted. And if if there is anything that needs to be flagged, we'll have that conversation with you first. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Throughout the documents there, we do outline essentially the best interest and how this relates back to your back to your goals and why the recommendations are in your best interest. With regard to the insurances, they're retaining the one pass policy because it is the older policy. It does have the much more favorable\n\nChannel 1: No.\n\nChannel 0: terms, and, sorry, with your regards to your income protection is the better way to retain that one and is in your best interest. We're just in the towel policy because you don't need that much cover. You're currently over insured and paying a lot of money for that those\n\nChannel 1: Yes.\n\nChannel 0: premiums. And the more you pay\n\nChannel 1: Yes.\n\nChannel 0: for insurance premiums, the more it's affecting your retirement outcome, so it's good to always reduce those back.\n\nChannel 1: Yes.\n\nChannel 0: The the trauma and life paid out of pocket essentially meets your goal because it gives you that trauma policy giving you cover for one year's worth of gross income, and having life attached helps to reduce the cost of the premiums and also gives you the benefit of the funeral cover paid out in the event something was to happen for you. The downside is trauma, is an out of pocket cost. So that's 37, what did I say? Sorry. It was $37.91 would come out of your bank account or credit card on a monthly basis depending on how you choose to pay that.\n\nOkay?\n\nChannel 1: Alright. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, the other side the other thing to kinda go through is obviously the beneficiary side of things. So one of the things we talked about was that you wanted your in your insurance, your life cover, and also your super to be paid out to to your three nieces and nephews in the event that something was to happen to you. We are making a recommendation with the estate planning as well to make sure that in the event of something occurring, that they can receive a payment. Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that works?\n\nChannel 1: Kyle. Kyle. Yes.\n\nChannel 0: That's okay. So under essentially, when we look at beneficiaries, there are two forms of legislation that you have to abide by. Essentially, the first one is the CIS Act, and that controls who can be a beneficiary on super and insurances\n\nChannel 1: Yes.\n\nChannel 0: paid within super. Essentially, you need to be they need to be, sorry, your child, your spouse, or someone who relies on you as an interdependent relationship. So you pay for their bills. You look after them. They live with you.\n\nAnd at time of claim, they have to prove that they have that financial or interdependent relationship, and it can be very, very hard to claim to prove. So because\n\nChannel 1: Yep.\n\nChannel 0: your nieces and nephews don't quite qualify for that, I'm recommending that on the CalLife policy, the one pass sorry. On the the one pass policy and your hub 24 super that we do or that we do update your beneficiary nominations to legal personal representative. Now that essentially means that in the event of you passing, your super and life insurance would fully be paid out to your estate. And then you just need to make sure you have an updated will,\n\nChannel 1: Yes.\n\nChannel 0: have a will drawn up by a solicitor or do a will kit or however you prefer to do so. And in the body of the will, it just needs to clearly outline that you want the funds to be paid to your nieces and nephews and however whatever percentage that you choose for that to be in. The risk\n\nChannel 1: Yes.\n\nChannel 0: with updating the beneficiaries this way is that picking legal personal representative means that it goes through to your estate. That's absolutely fine. But if you don't have a will drawn up to then direct the funds out as per your wishes, then it goes through a probate process, which is a legal process of distribution of funds, and that can take anywhere between twelve to two years. I've seen it go for five years sometimes. So\n\nChannel 1: Yeah.\n\nChannel 0: it is important that you do have a will drawn up as well. Okay?\n\nChannel 1: Yep. Yep. Alright. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: I'm gonna do\n\nChannel 0: But\n\nChannel 1: that.\n\nChannel 0: when it yeah. It's all good. But when it comes to the beneficiary nominations, we will obviously help you. We if you're comfortable with us, my team can tick the boxes and prefill the forms as much as possible. We'll get them out to you.\n\nThat way, they can be signed and witnessed. Witnesses just have to be over the age of 18, and it can be absolutely anyone you like. It can be your best friend or client, your next door neighbor, your mom and dad, anyone you prefer. So it's just\n\nChannel 1: Yes.\n\nChannel 0: about making sure that someone witnesses you signing them and that two people witness the nominations with you. Okay? Beautiful. And then I have obviously made a recommendation in here to set up a will and also power of attorney. We do have solicitors that we can refer you through to if you do require the services of them.\n\nAlternatively, if you just got a local solicitor who can set up a will, generally, getting a will in place is pretty cheap if you're just doing a very soft\n\nChannel 1: Yep.\n\nChannel 0: standard will. More complex will do get into sort of the $12,000 mark, but normally, anywhere between 3 to $500, you can just do up a very stock standard simple will. So,\n\nChannel 1: Yep.\n\nChannel 0: absolutely\n\nChannel 1: Yeah.\n\nChannel 0: easy to do. Inside the document there, we do also have the advantages, disadvantages, the risks involved. I've as so added a best interest duty as noted onto, essentially, all those recommendations. So you'll be able to have a really good rate through those. Our ongoing service fee is also still applied.\n\nWe've also attached the ongoing service agreement for the next twelve months through that email as well. So you do pay us a fee of 1.65% per annum, and that is deducted in smaller monthly increments out of your super for our services, updating the advice, and everything like that. We renew\n\nChannel 1: Yes.\n\nChannel 0: that with you every year, and we\n\nChannel 1: Yes.\n\nChannel 0: wanna make sure that these policies stay in line with your needs. Because as I said, they are gonna get more expensive over time, and we don't want you to have no super when you get the retirement there. So we will do reviews with you, making sure to keep them up to date, check them with you,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yes.\n\nChannel 0: make alterations as we need to. With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us. It is paid by the insurance company and not by you. But for insurances across the board, we do receive 66% of the first year's premium and then 22% there ongoing for you. So that is stock standard across the board.\n\nIt's legislated that way, and that has no effect on my recommendations in any way, shape, or form. Every recommendation I make has to be in your best interest, and that's why I have a best interest duty in there for you just relaying it back to your goals and making sure that I'm doing the right thing by you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With\n\nChannel 1: Yep.\n\nChannel 0: your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, with that policy being as it is so old, the commission structure is slightly different. It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about $374.\n\nChannel 1: Yep.\n\nChannel 0: When you look at the document, when you get to the end of it on page 39, we have outlined and sorry, 38. We have outlined the breakdown of the commissions that we do receive so that we are upfront and just disclose those to you. But just so you're aware, they are paid by the insurer to us, not by you. It's just\n\nChannel 1: Yeah.\n\nChannel 0: the ongoing service that comes out of your super. That is the fee that you pay for. Is that okay? Do you have any questions?\n\nChannel 1: I think so. Yeah.\n\nChannel 0: Do you have any\n\nChannel 1: Over\n\nChannel 0: questions\n\nChannel 1: the diaper.\n\nChannel 0: in relation to any of that? Yeah. All good.\n\nChannel 1: Yeah. I'll wear\n\nChannel 0: All good. So to kinda give you a really simple run\n\nChannel 1: the\n\nChannel 0: through\n\nChannel 1: Marmos.\n\nChannel 0: of what we will do to implement this, we'll start by just doing your investment switch, just changing the investments, then we'll get you to sign the one pass form to change the adviser on that policy. We'll then go through a reduction with your tower policy, and we'll also reduce your life and TPD on the one pass policy simultaneously. We'll apply for the life and trauma policy to get that instated and then get your beneficiaries all in line as well. So that's how the implementation would work for this.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Beautiful. That is all I'm going to sort of put out there for now. I've gone through everything I need, sir, and it's a lot.\n\nChannel 1: Yep.\n\nChannel 0: And I'm sure\n\nChannel 1: Yep.\n\nChannel 0: your head is a little bit exploding with information right now.\n\nChannel 1: Okay. Just a little.\n\nChannel 0: Absolutely. I completely understand. But, look, although the s the statement of advice and all the quotes, all the supporting documents, the ongoing service agreement, all of that is in that email in in your inbox for you now.\n\nChannel 1: Yep.\n\nChannel 0: When you get some time, I would probably suggest make yourself a cup of tea, have a sit down, open up the email, run your eyes to the advice document. If you do have any questions, let us know.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, if you're happy once you've gone through it and read it and you understand it, if you are happy to proceed with the recommendations, we'll just get you to sign and return that. If there's any part of the recommendations you do not wish to proceed with, on the very last page, we do have a text box. So you can just write in there any part that you're not wanting to proceed with. Okay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: And we've also got in there just noted down all of your assets and liabilities and things that we went through when we spoke last time. Just feel free to run your eyes over those. If you think there's any changes that you would like to have updated in the back end, please let me know. We can always\n\nChannel 1: Yep.\n\nChannel 0: update that in the back end there for you as well, and we'll make sure we do a review down the track. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: You're just all good. Thank you for your time, Colleen. I'm sorry. I knew this was gonna be a lot. I just\n\nChannel 1: That's alright. Oh, goodness. Yeah. I'm on my black ice. I don't see bad.\n\nI can look\n\nChannel 0: look.\n\nChannel 1: into\n\nChannel 0: Honestly,\n\nChannel 1: it\n\nChannel 0: you are absolutely amazing. Have you had a busy day?\n\nChannel 1: all. A little. How many bags?\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Well, it worked out good because I know from previous conversations with your job, you can get call outs at all times of the day and the\n\nChannel 1: Oh, yeah.\n\nChannel 0: night. So\n\nChannel 1: Becky. Yes.\n\nChannel 0: Oh, we\n\nChannel 1: That's\n\nChannel 0: did\n\nChannel 1: for sure.\n\nChannel 0: well. We did well to catch you. Well, please\n\nChannel 1: Yes.\n\nChannel 0: take time to read that one through. Let me know if there's any questions, and I hope you have a safe trip home and a really good night, Colleen. But thank you for your time this afternoon. I appreciate that.\n\nChannel 1: Yeah. Alright. Thank you.\n\nChannel 0: Thank you. I'll talk to you soon. See you later.\n\nChannel 1: Okay. Take care. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.015313288196921349},{"text":"Hello?","start":3.9199998,"end":4.42,"sentiment":"neutral","sentiment_score":0.027745425701141357}],"sentiment":"neutral","sentiment_score":0.021529356949031353,"channel":1,"num_words":2,"start":0.24,"end":4.42},{"sentences":[{"text":"Hi, Colleen.","start":7.2799997,"end":8.0,"sentiment":"neutral","sentiment_score":0.1539609730243683},{"text":"It's Dana from Okey Financial.","start":8.0,"end":9.38,"sentiment":"neutral","sentiment_score":0.19974847733974457},{"text":"How are you this afternoon?","start":9.5199995,"end":10.74,"sentiment":"neutral","sentiment_score":0.2848160922527313}],"sentiment":"neutral","sentiment_score":0.227562066167593,"channel":0,"num_words":12,"start":7.2799997,"end":10.74},{"sentences":[{"text":"I'm good.","start":11.36,"end":11.84,"sentiment":"positive","sentiment_score":0.5525131523609161},{"text":"Thank you.","start":11.84,"end":12.16,"sentiment":"positive","sentiment_score":0.6114062070846558},{"text":"How are you?","start":12.16,"end":13.07,"sentiment":"positive","sentiment_score":0.33848034342130023}],"sentiment":"positive","sentiment_score":0.47761139273643494,"channel":1,"num_words":7,"start":11.36,"end":13.07},{"sentences":[{"text":"Very well.","start":13.455,"end":14.175,"sentiment":"positive","sentiment_score":0.48333612084388733},{"text":"Thank you.","start":14.175,"end":14.735001,"sentiment":"positive","sentiment_score":0.5406591892242432},{"text":"I had to book in to go through your updated advice document.","start":14.735001,"end":17.615,"sentiment":"neutral","sentiment_score":0.16251331195235252},{"text":"Is now still a good time?","start":17.615,"end":18.895,"sentiment":"neutral","sentiment_score":0.10642679284016292},{"text":"Or all good.","start":18.895,"end":23.775,"sentiment":"neutral","sentiment_score":0.17797190944353738}],"sentiment":"neutral","sentiment_score":0.20682507395744323,"channel":0,"num_words":25,"start":13.455,"end":23.775},{"sentences":[{"text":"Good.","start":23.775,"end":24.275,"sentiment":"neutral","sentiment_score":0.16301247477531433},{"text":"Oh, no.","start":25.59,"end":25.99,"sentiment":"neutral","sentiment_score":-0.010836328379809856},{"text":"That's okay.","start":25.99,"end":26.63,"sentiment":"neutral","sentiment_score":-0.028194733895361423},{"text":"I thought I could hear something in the background.","start":26.63,"end":28.71,"sentiment":"neutral","sentiment_score":-0.08572192407316631},{"text":"Wasn't quite sure what that was.","start":28.71,"end":30.57,"sentiment":"neutral","sentiment_score":-0.10867152487238248}],"sentiment":"neutral","sentiment_score":-0.066928805783391,"channel":0,"num_words":20,"start":23.775,"end":30.57},{"sentences":[{"text":"No.","start":34.55,"end":34.949997,"sentiment":"neutral","sentiment_score":-0.09783624112606049},{"text":"All good, Colleen.","start":34.949997,"end":35.93,"sentiment":"neutral","sentiment_score":0.026783271382252376},{"text":"So you're on your way home at the moment in traffic there, so you clearly don't have access to your emails.","start":35.989998,"end":40.565,"sentiment":"neutral","sentiment_score":-0.04251117356831119},{"text":"Are you okay if I just run through essentially the updated advice and let you have a look at it later?","start":40.785,"end":46.305,"sentiment":"neutral","sentiment_score":0.041163435738001554},{"text":"Is that okay?","start":46.305,"end":47.024998,"sentiment":"neutral","sentiment_score":0.01802633609622717}],"sentiment":"neutral","sentiment_score":0.0001691854463852182,"channel":0,"num_words":49,"start":34.55,"end":47.024998},{"sentences":[{"text":"Or","start":47.024998,"end":47.524998,"sentiment":"neutral","sentiment_score":0.007024748250842094}],"sentiment":"neutral","sentiment_score":0.007024748250842094,"channel":0,"num_words":1,"start":47.024998,"end":47.524998},{"sentences":[{"text":"Yeah.","start":48.405,"end":48.905,"sentiment":"neutral","sentiment_score":0.016401883214712143},{"text":"Yep.","start":49.285,"end":49.785,"sentiment":"neutral","sentiment_score":0.03793703019618988}],"sentiment":"neutral","sentiment_score":0.02716945670545101,"channel":1,"num_words":2,"start":48.405,"end":49.785},{"sentences":[{"text":"yeah.","start":50.704998,"end":51.204998,"sentiment":"neutral","sentiment_score":0.03899255394935608}],"sentiment":"neutral","sentiment_score":0.03899255394935608,"channel":0,"num_words":1,"start":50.704998,"end":51.204998},{"sentences":[{"text":"Are","start":51.844997,"end":52.004997,"sentiment":"neutral","sentiment_score":0.029421744868159298}],"sentiment":"neutral","sentiment_score":0.029421744868159298,"channel":1,"num_words":1,"start":51.844997,"end":52.004997},{"sentences":[{"text":"That's","start":51.905,"end":52.225,"sentiment":"neutral","sentiment_score":0.06858104467391968}],"sentiment":"neutral","sentiment_score":0.06858104467391968,"channel":0,"num_words":1,"start":51.905,"end":52.225},{"sentences":[{"text":"we","start":52.004997,"end":52.245,"sentiment":"neutral","sentiment_score":0.06538409739732742}],"sentiment":"neutral","sentiment_score":0.06538409739732742,"channel":1,"num_words":1,"start":52.004997,"end":52.245},{"sentences":[{"text":"okay.","start":52.225,"end":52.725,"sentiment":"neutral","sentiment_score":0.07130879163742065}],"sentiment":"neutral","sentiment_score":0.07130879163742065,"channel":0,"num_words":1,"start":52.225,"end":52.725},{"sentences":[{"text":"fine?","start":52.245,"end":52.565,"sentiment":"neutral","sentiment_score":0.08300364017486572},{"text":"Yeah.","start":52.565,"end":53.065,"sentiment":"neutral","sentiment_score":0.08430388569831848}],"sentiment":"neutral","sentiment_score":0.0836537629365921,"channel":1,"num_words":2,"start":52.245,"end":53.065},{"sentences":[{"text":"All good.","start":53.99,"end":54.47,"sentiment":"neutral","sentiment_score":0.16393554955720901},{"text":"Or did you want me to maybe give you a bit of a callback later when you're at home?","start":54.47,"end":58.07,"sentiment":"neutral","sentiment_score":0.039638901423466835},{"text":"What's easier for you?","start":58.07,"end":59.61,"sentiment":"neutral","sentiment_score":0.034478005953133106},{"text":"No.","start":66.325005,"end":66.825005,"sentiment":"neutral","sentiment_score":-0.029171882197260857},{"text":"No.","start":67.445,"end":67.845,"sentiment":"neutral","sentiment_score":-0.008150830864906311}],"sentiment":"neutral","sentiment_score":0.04376294581150567,"channel":0,"num_words":27,"start":53.99,"end":67.845},{"sentences":[{"text":"That's okay.","start":67.845,"end":68.565,"sentiment":"neutral","sentiment_score":0.029135961085557938},{"text":"Not a problem at all.","start":68.565,"end":69.765,"sentiment":"neutral","sentiment_score":0.14467224180698396},{"text":"Look.","start":69.765,"end":70.08501,"sentiment":"neutral","sentiment_score":0.08021503686904907},{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":70.08501,"end":74.565,"sentiment":"neutral","sentiment_score":0.05347210930093475},{"text":"Are you happy for us to proceed with that?","start":74.565,"end":76.665,"sentiment":"neutral","sentiment_score":0.06455157697200775}],"sentiment":"neutral","sentiment_score":0.06681677186861634,"channel":0,"num_words":40,"start":67.845,"end":76.665},{"sentences":[{"text":"Yeah.","start":76.915,"end":77.155,"sentiment":"neutral","sentiment_score":0.09088015556335448},{"text":"That's fine.","start":77.155,"end":77.895004,"sentiment":"neutral","sentiment_score":0.19112642854452133}],"sentiment":"neutral","sentiment_score":0.15771100421746573,"channel":1,"num_words":3,"start":76.915,"end":77.895004},{"sentences":[{"text":"Fantastic.","start":78.58,"end":79.08,"sentiment":"positive","sentiment_score":0.46766942739486694},{"text":"And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file.","start":79.3,"end":85.560005,"sentiment":"neutral","sentiment_score":0.15516196053337167},{"text":"Yep.","start":88.98,"end":89.48,"sentiment":"neutral","sentiment_score":0.08650185912847519},{"text":"Yep.","start":93.075005,"end":93.575005,"sentiment":"neutral","sentiment_score":0.1303909718990326},{"text":"Beautiful.","start":99.635,"end":100.135,"sentiment":"positive","sentiment_score":0.3795750141143799}],"sentiment":"neutral","sentiment_score":0.1694680711915416,"channel":0,"num_words":31,"start":78.58,"end":100.135},{"sentences":[{"text":"Thank you so much for that.","start":100.355,"end":102.135,"sentiment":"positive","sentiment_score":0.4561850279569626},{"text":"So, Colleen, look, the advice document was essentially centered around the superannuation and the insurances.","start":102.55,"end":107.770004,"sentiment":"neutral","sentiment_score":0.13613427033027012},{"text":"You obviously have quite a lot of insurances between the two policies there.","start":108.630005,"end":112.490005,"sentiment":"neutral","sentiment_score":0.06243244071419422},{"text":"And when","start":112.87,"end":113.19,"sentiment":"neutral","sentiment_score":0.0488056018948555}],"sentiment":"neutral","sentiment_score":0.15800992099361288,"channel":0,"num_words":36,"start":100.355,"end":113.19},{"sentences":[{"text":"Yes.","start":113.14,"end":113.64,"sentiment":"neutral","sentiment_score":0.07326789200305939}],"sentiment":"neutral","sentiment_score":0.07326789200305939,"channel":1,"num_words":1,"start":113.14,"end":113.64},{"sentences":[{"text":"you and I spoke last year, we talked about looking to try and alter those insurances so that you have the level of cover you're after, but that we can hopefully reduce the cost a bit for you as well.","start":113.19,"end":123.745,"sentiment":"neutral","sentiment_score":0.16809933949261904},{"text":"Yeah.","start":125.325,"end":125.825,"sentiment":"neutral","sentiment_score":0.16382013261318207},{"text":"All good.","start":126.125,"end":127.025,"sentiment":"neutral","sentiment_score":0.2760249674320221},{"text":"So just wanting to obviously start on that for you.","start":127.245,"end":130.685,"sentiment":"neutral","sentiment_score":0.14888047948479652},{"text":"When you","start":130.685,"end":131.005,"sentiment":"neutral","sentiment_score":0.054277244955301285}],"sentiment":"neutral","sentiment_score":0.16431278058073737,"channel":0,"num_words":55,"start":113.19,"end":131.005},{"sentences":[{"text":"Yes.","start":130.935,"end":131.435,"sentiment":"neutral","sentiment_score":0.091603621840477}],"sentiment":"neutral","sentiment_score":0.091603621840477,"channel":1,"num_words":1,"start":130.935,"end":131.435},{"sentences":[{"text":"do look at the advice document, which I have emailed to you as well, that'll be in your inbox.","start":131.005,"end":135.43001,"sentiment":"neutral","sentiment_score":0.12934221758654244},{"text":"It does note here that the document has been prepared as of today's date.","start":135.43001,"end":139.05,"sentiment":"neutral","sentiment_score":0.07727262164865221},{"text":"All of our advice is valid for sixty days, so take some time to have a read through the document.","start":139.11,"end":143.27,"sentiment":"neutral","sentiment_score":0.11660519763827323},{"text":"Let me know if you do happen to have any questions there.","start":143.27,"end":145.85,"sentiment":"neutral","sentiment_score":0.12024426398177941},{"text":"On the front page, it also has my authorized representative number as in a licensed adviser with ASIC,","start":146.635,"end":151.995,"sentiment":"neutral","sentiment_score":0.07594180831478702}],"sentiment":"neutral","sentiment_score":0.10459405430648701,"channel":0,"num_words":83,"start":131.005,"end":151.995},{"sentences":[{"text":"Yep.","start":151.925,"end":152.425,"sentiment":"neutral","sentiment_score":0.08092226833105087}],"sentiment":"neutral","sentiment_score":0.08092226833105087,"channel":1,"num_words":1,"start":151.925,"end":152.425},{"sentences":[{"text":"and my license number is 1304394.","start":151.995,"end":155.355,"sentiment":"neutral","sentiment_score":0.06485640692214172},{"text":"Okay?","start":155.355,"end":155.855,"sentiment":"neutral","sentiment_score":0.1561378836631775},{"text":"Beautiful.","start":157.19499,"end":157.69499,"sentiment":"positive","sentiment_score":0.6947993040084839},{"text":"Now since we did speak last year to do a bit of a catch up with you at the end of last year, we have sort of also done a bit of research around your super.","start":158.40999,"end":166.67,"sentiment":"neutral","sentiment_score":0.21550757893257672},{"text":"Hub twenty four is working really well for you.","start":167.12999,"end":169.87,"sentiment":"positive","sentiment_score":0.600957559214698}],"sentiment":"neutral","sentiment_score":0.2718295566737652,"channel":0,"num_words":53,"start":151.995,"end":169.87},{"sentences":[{"text":"However, we have noted that some of the investments have underperformed a little bit this year, so we wanted to make sure your super is working as hard as possible as well as, obviously, having your insurance is hopefully re reduced a little bit for you.","start":170.32999,"end":184.5,"sentiment":"neutral","sentiment_score":0.07305008355204178},{"text":"So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch.","start":184.98,"end":190.58,"sentiment":"neutral","sentiment_score":0.08903457131236792},{"text":"So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit.","start":190.58,"end":199.91501,"sentiment":"neutral","sentiment_score":0.08173261744820554},{"text":"So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you.","start":199.91501,"end":206.315,"sentiment":"neutral","sentiment_score":0.1850365474820137},{"text":"Okay?","start":206.315,"end":206.815,"sentiment":"neutral","sentiment_score":0.08106855303049088}],"sentiment":"neutral","sentiment_score":0.10224168786468606,"channel":0,"num_words":120,"start":170.32999,"end":206.815},{"sentences":[{"text":"Yeah.","start":207.355,"end":207.855,"sentiment":"neutral","sentiment_score":0.2290883511304855}],"sentiment":"neutral","sentiment_score":0.2290883511304855,"channel":1,"num_words":1,"start":207.355,"end":207.855},{"sentences":[{"text":"Excellent.","start":209.115,"end":209.615,"sentiment":"positive","sentiment_score":0.4336869716644287},{"text":"I won't go through all the individual investments.","start":209.675,"end":211.695,"sentiment":"neutral","sentiment_score":-0.0023853275924921036},{"text":"They're kinda confused.","start":212.01,"end":212.73,"sentiment":"neutral","sentiment_score":-0.1915405144294103},{"text":"It'll make it too overcomplicated.","start":212.73,"end":214.03,"sentiment":"neutral","sentiment_score":-0.17077766954898835},{"text":"But when you have a look at that side, the at that page of the document, you'll see you've got a list of the investments.","start":214.48999,"end":220.03,"sentiment":"neutral","sentiment_score":0.07376389861106873}],"sentiment":"neutral","sentiment_score":0.019766474408762797,"channel":0,"num_words":42,"start":209.115,"end":220.03},{"sentences":[{"text":"It also has what we're gonna be buying and selling in red and green, and the last column essentially shows you what the target weighting will be.","start":220.17,"end":227.37,"sentiment":"neutral","sentiment_score":0.1337416641138218},{"text":"So once we complete the switch, you'll still see a bit of physical gold, cybersecurity, Australian equities, US equities, and a bit of European, Japanese, and global exposure in there, but just wanting to make sure your super is working as hard as possible for you.","start":227.37,"end":242.765,"sentiment":"neutral","sentiment_score":0.12181370154671047},{"text":"One of one of the things I sort of looked at as well was how, obviously, the newer portfolio versus your older portfolio has performed.","start":243.84001,"end":251.14,"sentiment":"neutral","sentiment_score":-0.00290199764072895},{"text":"When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at 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years, it actually increases the returns that you're able to get and does put you in a better position long term.","start":276.18,"end":288.515,"sentiment":"positive","sentiment_score":0.6157896605630716},{"text":"It increases the projected amount over the next five to ten years for you.","start":288.515,"end":292.375,"sentiment":"positive","sentiment_score":0.5241359323263168},{"text":"Okay?","start":292.435,"end":292.935,"sentiment":"neutral","sentiment_score":0.2262623906135559}],"sentiment":"positive","sentiment_score":0.5415365487337113,"channel":0,"num_words":95,"start":266.695,"end":292.935},{"sentences":[{"text":"Yep.","start":293.90002,"end":294.40002,"sentiment":"positive","sentiment_score":0.36486074328422546}],"sentiment":"positive","sentiment_score":0.36486074328422546,"channel":1,"num_words":1,"start":293.90002,"end":294.40002},{"sentences":[{"text":"Excellent.","start":294.995,"end":295.495,"sentiment":"positive","sentiment_score":0.6064205169677734},{"text":"With making any changes to the investments, we are very mindful that your super fund, like you, does a tax return every year, so there are tax consequences inside super for making investment changes.","start":296.355,"end":308.92,"sentiment":"neutral","sentiment_score":0.1722602701800711},{"text":"We did","start":309.62003,"end":309.94,"sentiment":"neutral","sentiment_score":0.07514559291303158}],"sentiment":"neutral","sentiment_score":0.1787448888896285,"channel":0,"num_words":37,"start":294.995,"end":309.94},{"sentences":[{"text":"Okay.","start":309.915,"end":310.415,"sentiment":"neutral","sentiment_score":0.12125101685523988}],"sentiment":"neutral","sentiment_score":0.12125101685523988,"channel":1,"num_words":1,"start":309.915,"end":310.415},{"sentences":[{"text":"do the research noting that the expected CDT cost for your super force switching the investments out and making the changes that I've recommended, we'd expect it to be about $846 in CGT, so not too bad.","start":309.94,"end":323.295,"sentiment":"neutral","sentiment_score":0.14007798018487724},{"text":"I did look at moving you to other platforms, but it works out better to stay where you are.","start":323.835,"end":327.915,"sentiment":"neutral","sentiment_score":0.21520544196430005},{"text":"It minimizes the CGT.","start":327.915,"end":329.375,"sentiment":"neutral","sentiment_score":0.22751877829432487},{"text":"And this investment portfolio we're looking to move you into by making those changes actually also saves you about $211 for the year on investment fees as well.","start":330.21002,"end":339.81,"sentiment":"positive","sentiment_score":0.4786721297672817},{"text":"So it's you know, had a much better past performance is a bit cheaper in investment fees, and essentially can put you in a much better position moving forward.","start":339.81,"end":349.505,"sentiment":"positive","sentiment_score":0.49335049503836137}],"sentiment":"neutral","sentiment_score":0.3238619467259472,"channel":0,"num_words":117,"start":309.94,"end":349.505},{"sentences":[{"text":"So that's why we decided to make the switch and move some of those investments around for you.","start":349.505,"end":353.905,"sentiment":"neutral","sentiment_score":0.2932313804825147},{"text":"Okay.","start":353.905,"end":354.405,"sentiment":"neutral","sentiment_score":0.1767709255218506}],"sentiment":"neutral","sentiment_score":0.2871018828530061,"channel":0,"num_words":19,"start":349.505,"end":354.405},{"sentences":[{"text":"Yep.","start":354.57,"end":354.945,"sentiment":"neutral","sentiment_score":0.17641393840312958},{"text":"Yep.","start":355.505,"end":356.005,"sentiment":"neutral","sentiment_score":0.23600733280181885}],"sentiment":"neutral","sentiment_score":0.2062106356024742,"channel":1,"num_words":2,"start":354.57,"end":356.005},{"sentences":[{"text":"All all good.","start":356.05,"end":357.25,"sentiment":"positive","sentiment_score":0.49501416087150574},{"text":"I didn't wanna make that too overcomplicated and confuse you too much, but have a look at that page on page 16 when you see the document.","start":357.25,"end":363.91,"sentiment":"neutral","sentiment_score":0.04013505205512047},{"text":"You'll see the red and the green, which shows you what we're buying and selling.","start":364.05,"end":367.35,"sentiment":"neutral","sentiment_score":0.1656008889277776},{"text":"And the last column, as I said before, just kind of reiterate what the your what your expected exposure is after we complete the switch.","start":367.585,"end":375.205,"sentiment":"neutral","sentiment_score":0.10318909138441086},{"text":"If you have any questions in relation to those investments, let me know.","start":375.425,"end":378.465,"sentiment":"neutral","sentiment_score":0.04152247725197902}],"sentiment":"neutral","sentiment_score":0.09846050254102931,"channel":0,"num_words":83,"start":356.05,"end":378.465},{"sentences":[{"text":"I just don't wanna overcomplicate it whilst you're in traffic there for 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and about, and the likelihood of you being off work for a long period of time or suffering a major injury, that's pretty high on the spectrum there.","start":464.995,"end":476.07,"sentiment":"neutral","sentiment_score":-0.1379519689192132},{"text":"So","start":476.07,"end":476.57,"sentiment":"neutral","sentiment_score":0.017762809991836548}],"sentiment":"neutral","sentiment_score":-0.02124833207317563,"channel":0,"num_words":86,"start":451.06998,"end":476.57},{"sentences":[{"text":"Mhmm.","start":476.48502,"end":476.98502,"sentiment":"neutral","sentiment_score":0.01385283935815096}],"sentiment":"neutral","sentiment_score":0.01385283935815096,"channel":1,"num_words":1,"start":476.48502,"end":476.98502},{"sentences":[{"text":"making sure you had a good benefit period for your income protection.","start":477.35,"end":481.05002,"sentiment":"neutral","sentiment_score":0.09954612453778584},{"text":"And then we also talked about 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spoke, he wanted to see what the cost of trauma would be and then look at whether that was cost effective for you to apply for.","start":503.25998,"end":510.37997,"sentiment":"neutral","sentiment_score":-0.053365081548690796},{"text":"Does that also ring a bell?","start":510.37997,"end":511.58,"sentiment":"neutral","sentiment_score":-0.04481856649120649},{"text":"Does that make 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$4,566 on a sixty day wait and with only a five year benefit period.","start":634.445,"end":650.45996,"sentiment":"neutral","sentiment_score":0.1043307475353542},{"text":"What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD.","start":652.27997,"end":663.075,"sentiment":"neutral","sentiment_score":0.21193557149834102}],"sentiment":"neutral","sentiment_score":0.14072148376083993,"channel":0,"num_words":77,"start":630.605,"end":663.075},{"sentences":[{"text":"I am recommending with the power policy that we set up for you when you came onboard with us that we cancel the life and TBD out of that.","start":663.695,"end":671.61505,"sentiment":"neutral","sentiment_score":0.12348432042475405},{"text":"That will reduce the cost for you.","start":671.61505,"end":673.74,"sentiment":"positive","sentiment_score":0.38863735113825115},{"text":"And then we just reduced the income protection policy down to 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the eight sixty five benefit period suited your needs more, whereas the towel policy only had a sixty day wait and a five year benefit period.","start":756.69,"end":765.97,"sentiment":"neutral","sentiment_score":0.09506780053338697},{"text":"So the towel policy is absolutely less the period than the one part policy.","start":765.97,"end":771.35,"sentiment":"neutral","sentiment_score":0.1338076607457229},{"text":"Yes.","start":771.755,"end":771.915,"sentiment":"neutral","sentiment_score":0.1746508777141571},{"text":"The one pass policy has been held longer and can cost more, but it is that it's retained that way possible.","start":771.915,"end":778.175,"sentiment":"neutral","sentiment_score":0.23842103211652665},{"text":"So this is sort of what I wanted to do with 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so","start":809.29,"end":815.69,"sentiment":"neutral","sentiment_score":0.14815919260893548}],"sentiment":"neutral","sentiment_score":0.14815919260893548,"channel":0,"num_words":14,"start":809.29,"end":815.69},{"sentences":[{"text":"Yep.","start":815.47,"end":815.97,"sentiment":"neutral","sentiment_score":0.3174961507320404}],"sentiment":"neutral","sentiment_score":0.3174961507320404,"channel":1,"num_words":1,"start":815.47,"end":815.97},{"sentences":[{"text":"that will certainly help.","start":815.69,"end":816.88995,"sentiment":"positive","sentiment_score":0.4114138036966324},{"text":"And let me know if you do happen to have any questions there.","start":816.88995,"end":819.62994,"sentiment":"neutral","sentiment_score":0.12293891207529949},{"text":"Okay?","start":819.76996,"end":820.26996,"sentiment":"neutral","sentiment_score":0.06667335331439972}],"sentiment":"neutral","sentiment_score":0.18391857917110124,"channel":0,"num_words":18,"start":815.69,"end":820.26996},{"sentences":[{"text":"Yep.","start":820.82996,"end":821.32996,"sentiment":"neutral","sentiment_score":0.09014773368835448}],"sentiment":"neutral","sentiment_score":0.09014773368835448,"channel":1,"num_words":1,"start":820.82996,"end":821.32996},{"sentences":[{"text":"Excellent.","start":821.865,"end":822.365,"sentiment":"neutral","sentiment_score":0.23501819372177124},{"text":"Now the other thing we talked about was the life and trauma.","start":822.745,"end":825.305,"sentiment":"neutral","sentiment_score":0.01471827644854784},{"text":"So you wanted to see what trauma would cost you.","start":825.305,"end":827.805,"sentiment":"neutral","sentiment_score":-0.0026703981682658197},{"text":"Essentially, we were looking at applying for about one year's worth of income.","start":827.945,"end":832.125,"sentiment":"neutral","sentiment_score":-0.0014623699423212272},{"text":"You were on about 70,000 per annum when we spoke last.","start":832.745,"end":835.93005,"sentiment":"neutral","sentiment_score":-0.0005853568965738469}],"sentiment":"neutral","sentiment_score":0.0076485913682808266,"channel":0,"num_words":47,"start":821.865,"end":835.93005},{"sentences":[{"text":"Is that still roughly your 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what I've done is I've had a look at trying to apply for, trauma, and we've looked at doing it with one path.","start":842.49005,"end":849.065,"sentiment":"neutral","sentiment_score":0.03591038232358793},{"text":"Obviously, there's lots of different options out there for insurance companies, but I tried to sort of make it so you didn't have, you know, three or","start":849.065,"end":855.065,"sentiment":"neutral","sentiment_score":0.011383636000876626}],"sentiment":"neutral","sentiment_score":0.03238499023589409,"channel":0,"num_words":54,"start":839.53,"end":855.065},{"sentences":[{"text":"Yep.","start":854.94,"end":855.44,"sentiment":"neutral","sentiment_score":0.009975998662412168}],"sentiment":"neutral","sentiment_score":0.009975998662412168,"channel":1,"num_words":1,"start":854.94,"end":855.44},{"sentences":[{"text":"four different 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you.","start":856.505,"end":857.165,"sentiment":"neutral","sentiment_score":0.04358049854636192}],"sentiment":"neutral","sentiment_score":0.04358049854636192,"channel":0,"num_words":2,"start":856.505,"end":857.165},{"sentences":[{"text":"Yep.","start":857.58,"end":858.08,"sentiment":"neutral","sentiment_score":0.02889357879757881}],"sentiment":"neutral","sentiment_score":0.02889357879757881,"channel":1,"num_words":1,"start":857.58,"end":858.08},{"sentences":[{"text":"So we're looking to apply for trauma with one path.","start":857.865,"end":860.605,"sentiment":"neutral","sentiment_score":-0.0011044206097722054},{"text":"And now trauma policy stand alone can be kind of expensive.","start":861.55005,"end":865.57,"sentiment":"neutral","sentiment_score":-0.17401899058710446},{"text":"So the way I've tried to adjust the premium, make it more cheaper for you is to also add a little bit of life cover to 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obviously take over and actually make changes to the policy for you and help you with it down the track if that helps.","start":1053.0701,"end":1058.93,"sentiment":"neutral","sentiment_score":0.24998213469982147},{"text":"Okay?","start":1058.9901,"end":1059.4901,"sentiment":"neutral","sentiment_score":0.023154858499765396},{"text":"With looking at your health and after our conversation last year, it was obviously on disability covers.","start":1060.9901,"end":1066.7949,"sentiment":"neutral","sentiment_score":-0.0332435461528161},{"text":"The left knee exclusion would be applied, you know, moving forward.","start":1066.7949,"end":1070.575,"sentiment":"neutral","sentiment_score":-0.048817155374722046},{"text":"There's nothing else that really flagged to us that would be of a major exclusion on applying for life and 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could be loadings and or exclusions.","start":1083.13,"end":1088.59,"sentiment":"neutral","sentiment_score":-0.09015081822872162},{"text":"But once you go through the application for those, I'll double check the application with the admin team prior to it being submitted.","start":1088.73,"end":1095.5499,"sentiment":"neutral","sentiment_score":0.038797624490183334},{"text":"And if if there is anything that needs to be flagged, we'll have that conversation with you 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interest.","start":1104.085,"end":1114.5701,"sentiment":"neutral","sentiment_score":0.24376117197736616},{"text":"With regard to the insurances, they're retaining the one pass policy because it is the older policy.","start":1115.3501,"end":1120.7101,"sentiment":"neutral","sentiment_score":0.07768800493110628},{"text":"It does have the much more favorable","start":1120.7101,"end":1123.625,"sentiment":"neutral","sentiment_score":0.32395594886371065}],"sentiment":"neutral","sentiment_score":0.20710729684547655,"channel":0,"num_words":56,"start":1103.125,"end":1123.625},{"sentences":[{"text":"No.","start":1123.37,"end":1123.87,"sentiment":"neutral","sentiment_score":0.030873101204633713}],"sentiment":"neutral","sentiment_score":0.030873101204633713,"channel":1,"num_words":1,"start":1123.37,"end":1123.87},{"sentences":[{"text":"terms, and, sorry, with your regards to your income protection is the better way to retain that one and is in your best interest.","start":1123.7649,"end":1130.4049,"sentiment":"neutral","sentiment_score":0.13896811536202827},{"text":"We're just in the towel policy because you don't need that much cover.","start":1130.4049,"end":1133.605,"sentiment":"neutral","sentiment_score":-0.16334217099043039},{"text":"You're currently over insured and paying a lot of money for that those","start":1133.605,"end":1137.09,"sentiment":"neutral","sentiment_score":-0.26890889956400943}],"sentiment":"neutral","sentiment_score":-0.04568058297038078,"channel":0,"num_words":50,"start":1123.7649,"end":1137.09},{"sentences":[{"text":"Yes.","start":1137.05,"end":1137.55,"sentiment":"neutral","sentiment_score":-0.04730531945824623}],"sentiment":"neutral","sentiment_score":-0.04730531945824623,"channel":1,"num_words":1,"start":1137.05,"end":1137.55},{"sentences":[{"text":"premiums.","start":1137.09,"end":1137.59,"sentiment":"neutral","sentiment_score":-0.025937769562005997},{"text":"And the more you 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back.","start":1139.17,"end":1145.03,"sentiment":"neutral","sentiment_score":-0.03127429054843055}],"sentiment":"neutral","sentiment_score":-0.03127429054843055,"channel":0,"num_words":18,"start":1139.17,"end":1145.03},{"sentences":[{"text":"Yes.","start":1144.9851,"end":1145.4851,"sentiment":"neutral","sentiment_score":0.3066430389881134}],"sentiment":"neutral","sentiment_score":0.3066430389881134,"channel":1,"num_words":1,"start":1144.9851,"end":1145.4851},{"sentences":[{"text":"The the trauma and life paid out of pocket essentially meets your goal because it gives you that trauma policy giving you cover for one year's worth of gross income, and having life attached helps to reduce the cost of the premiums and also gives you the benefit of the funeral cover paid out in the event something was to happen for you.","start":1145.97,"end":1162.6649,"sentiment":"positive","sentiment_score":0.42119342774625806},{"text":"The downside is trauma, is an out of pocket 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the other side the other thing to kinda go through is obviously the beneficiary side of things.","start":1180.215,"end":1186.0549,"sentiment":"neutral","sentiment_score":0.07979690635369883},{"text":"So one of the things we talked about was that you wanted your in your insurance, your life cover, and also your super to be paid out to to your three nieces and nephews in the event that something was to happen to you.","start":1186.0549,"end":1198.4,"sentiment":"neutral","sentiment_score":0.16057659380815245},{"text":"We are making a recommendation with the estate planning as well to make sure that in the event of something occurring, that they can receive a payment.","start":1198.78,"end":1206.875,"sentiment":"neutral","sentiment_score":0.23916514769748407},{"text":"Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that 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to.","start":1459.303,"end":1462.0,"sentiment":"neutral","sentiment_score":0.13225916276375452},{"text":"With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us.","start":1462.0,"end":1473.97,"sentiment":"neutral","sentiment_score":0.20483344261135375},{"text":"It is paid by the insurance company and not by you.","start":1474.19,"end":1477.15,"sentiment":"neutral","sentiment_score":0.05479079281741923},{"text":"But for insurances across the board, we do receive 66% of the first year's premium and then 22% there ongoing for you.","start":1477.15,"end":1485.39,"sentiment":"neutral","sentiment_score":0.17570795559070326},{"text":"So that is stock standard across the 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you.","start":1494.015,"end":1505.2999,"sentiment":"neutral","sentiment_score":0.2771423345520383},{"text":"Okay?","start":1505.6,"end":1506.1,"sentiment":"neutral","sentiment_score":0.1259876936674118}],"sentiment":"neutral","sentiment_score":0.21030596387190897,"channel":0,"num_words":61,"start":1488.1749,"end":1506.1},{"sentences":[{"text":"Yep.","start":1506.1449,"end":1506.6449,"sentiment":"neutral","sentiment_score":0.12675227224826813}],"sentiment":"neutral","sentiment_score":0.12675227224826813,"channel":1,"num_words":1,"start":1506.1449,"end":1506.6449},{"sentences":[{"text":"With","start":1507.6,"end":1507.76,"sentiment":"neutral","sentiment_score":0.11830609291791916}],"sentiment":"neutral","sentiment_score":0.11830609291791916,"channel":0,"num_words":1,"start":1507.6,"end":1507.76},{"sentences":[{"text":"Yep.","start":1507.6649,"end":1508.1649,"sentiment":"neutral","sentiment_score":0.1204378306865692}],"sentiment":"neutral","sentiment_score":0.1204378306865692,"channel":1,"num_words":1,"start":1507.6649,"end":1508.1649},{"sentences":[{"text":"your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us.","start":1507.76,"end":1520.605,"sentiment":"neutral","sentiment_score":0.0680365958251059}],"sentiment":"neutral","sentiment_score":0.0680365958251059,"channel":0,"num_words":40,"start":1507.76,"end":1520.605},{"sentences":[{"text":"Yep.","start":1521.16,"end":1521.66,"sentiment":"neutral","sentiment_score":0.03193941339850426}],"sentiment":"neutral","sentiment_score":0.03193941339850426,"channel":1,"num_words":1,"start":1521.16,"end":1521.66},{"sentences":[{"text":"Essentially, with that policy being as it is so old, the commission structure is slightly different.","start":1521.225,"end":1528.265,"sentiment":"neutral","sentiment_score":-0.054250195855274796},{"text":"It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about 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are absolutely amazing.","start":1716.33,"end":1717.95,"sentiment":"positive","sentiment_score":0.44352802634239197},{"text":"Have you had a busy day?","start":1718.0099,"end":1719.6299,"sentiment":"neutral","sentiment_score":0.07650914291540782}],"sentiment":"neutral","sentiment_score":0.2233166962862015,"channel":0,"num_words":10,"start":1716.33,"end":1719.6299},{"sentences":[{"text":"all.","start":1719.1901,"end":1719.6901,"sentiment":"neutral","sentiment_score":0.012578070163726808},{"text":"A little.","start":1721.3501,"end":1722.01,"sentiment":"neutral","sentiment_score":-0.008632013574242592},{"text":"How many bags?","start":1722.31,"end":1723.29,"sentiment":"neutral","sentiment_score":0.010903596567610899}],"sentiment":"neutral","sentiment_score":0.004670805453012387,"channel":1,"num_words":6,"start":1719.1901,"end":1723.29},{"sentences":[{"text":"Yep.","start":1722.9049,"end":1723.4049,"sentiment":"neutral","sentiment_score":0.06745161861181259},{"text":"Yep.","start":1723.945,"end":1724.445,"sentiment":"neutral","sentiment_score":0.0986202359199524}],"sentiment":"neutral","sentiment_score":0.08303592726588249,"channel":0,"num_words":2,"start":1722.9049,"end":1724.445},{"sentences":[{"text":"Yeah.","start":1724.4701,"end":1724.9701,"sentiment":"neutral","sentiment_score":0.23621919751167297}],"sentiment":"neutral","sentiment_score":0.23621919751167297,"channel":1,"num_words":1,"start":1724.4701,"end":1724.9701},{"sentences":[{"text":"Well, it worked out good because I know from previous conversations with your job, you can get call outs at all times of the day and the","start":1725.625,"end":1732.105,"sentiment":"positive","sentiment_score":0.4577860280319496}],"sentiment":"positive","sentiment_score":0.4577860280319496,"channel":0,"num_words":27,"start":1725.625,"end":1732.105},{"sentences":[{"text":"Oh, yeah.","start":1731.965,"end":1732.5449,"sentiment":"neutral","sentiment_score":0.1697564497590065}],"sentiment":"neutral","sentiment_score":0.1697564497590065,"channel":1,"num_words":2,"start":1731.965,"end":1732.5449},{"sentences":[{"text":"night.","start":1732.105,"end":1732.505,"sentiment":"neutral","sentiment_score":0.1718948483467102},{"text":"So","start":1732.505,"end":1733.005,"sentiment":"neutral","sentiment_score":0.1432347297668457}],"sentiment":"neutral","sentiment_score":0.15756478905677795,"channel":0,"num_words":2,"start":1732.105,"end":1733.005},{"sentences":[{"text":"Becky.","start":1732.605,"end":1733.105,"sentiment":"neutral","sentiment_score":0.14978960156440735},{"text":"Yes.","start":1734.0449,"end":1734.5449,"sentiment":"neutral","sentiment_score":0.12370150536298752}],"sentiment":"neutral","sentiment_score":0.13674555346369743,"channel":1,"num_words":2,"start":1732.605,"end":1734.5449},{"sentences":[{"text":"Oh, we","start":1734.23,"end":1734.79,"sentiment":"neutral","sentiment_score":0.12153399735689163}],"sentiment":"neutral","sentiment_score":0.12153399735689163,"channel":0,"num_words":2,"start":1734.23,"end":1734.79},{"sentences":[{"text":"That's","start":1734.6849,"end":1734.845,"sentiment":"neutral","sentiment_score":0.24921727180480957}],"sentiment":"neutral","sentiment_score":0.24921727180480957,"channel":1,"num_words":1,"start":1734.6849,"end":1734.845},{"sentences":[{"text":"did","start":1734.79,"end":1735.1101,"sentiment":"neutral","sentiment_score":0.27478712797164917}],"sentiment":"neutral","sentiment_score":0.27478712797164917,"channel":0,"num_words":1,"start":1734.79,"end":1735.1101},{"sentences":[{"text":"for sure.","start":1734.845,"end":1735.585,"sentiment":"neutral","sentiment_score":0.24454810470342636}],"sentiment":"neutral","sentiment_score":0.24454810470342636,"channel":1,"num_words":2,"start":1734.845,"end":1735.585},{"sentences":[{"text":"well.","start":1735.1101,"end":1735.6101,"sentiment":"positive","sentiment_score":0.3605875074863434},{"text":"We did well to catch you.","start":1737.3501,"end":1739.2101,"sentiment":"positive","sentiment_score":0.5599378347396851},{"text":"Well, please","start":1739.27,"end":1739.91,"sentiment":"neutral","sentiment_score":0.17179720103740692}],"sentiment":"positive","sentiment_score":0.45153432422214085,"channel":0,"num_words":9,"start":1735.1101,"end":1739.91},{"sentences":[{"text":"Yes.","start":1739.885,"end":1740.385,"sentiment":"neutral","sentiment_score":0.23549947142601013}],"sentiment":"neutral","sentiment_score":0.23549947142601013,"channel":1,"num_words":1,"start":1739.885,"end":1740.385},{"sentences":[{"text":"take time to read that one through.","start":1739.91,"end":1741.27,"sentiment":"neutral","sentiment_score":0.2997626151357378},{"text":"Let me know if there's any questions, and I hope you have a safe trip home and a really good night, Colleen.","start":1741.27,"end":1746.1549,"sentiment":"positive","sentiment_score":0.5602114972743121},{"text":"But thank you for your time this afternoon.","start":1746.1549,"end":1747.995,"sentiment":"positive","sentiment_score":0.6834697686135769},{"text":"I appreciate that.","start":1747.995,"end":1749.215,"sentiment":"positive","sentiment_score":0.6887190540631613}],"sentiment":"positive","sentiment_score":0.5489226639270782,"channel":0,"num_words":40,"start":1739.91,"end":1749.215},{"sentences":[{"text":"Yeah.","start":1749.18,"end":1749.5,"sentiment":"neutral","sentiment_score":0.2725064754486084},{"text":"Alright.","start":1749.5,"end":1749.98,"sentiment":"positive","sentiment_score":0.3633425235748291},{"text":"Thank you.","start":1749.98,"end":1750.7201,"sentiment":"positive","sentiment_score":0.5234727561473846}],"sentiment":"positive","sentiment_score":0.4206986278295517,"channel":1,"num_words":4,"start":1749.18,"end":1750.7201},{"sentences":[{"text":"Thank you.","start":1751.355,"end":1751.835,"sentiment":"positive","sentiment_score":0.547214150428772},{"text":"I'll talk to you soon.","start":1751.835,"end":1752.955,"sentiment":"neutral","sentiment_score":0.30823564529418945},{"text":"See you later.","start":1752.955,"end":1753.7749,"sentiment":"neutral","sentiment_score":0.24971484144528708}],"sentiment":"positive","sentiment_score":0.33847510516643525,"channel":0,"num_words":10,"start":1751.355,"end":1753.7749},{"sentences":[{"text":"Okay.","start":1753.5801,"end":1754.0801,"sentiment":"neutral","sentiment_score":0.24433696269989016},{"text":"Take care.","start":1754.14,"end":1754.8,"sentiment":"neutral","sentiment_score":0.31169091165065765},{"text":"Bye.","start":1755.02,"end":1755.52,"sentiment":"neutral","sentiment_score":0.17130886018276217}],"sentiment":"neutral","sentiment_score":0.2597569115459919,"channel":1,"num_words":4,"start":1753.5801,"end":1755.52},{"sentences":[{"text":"Bye.","start":1755.0349,"end":1755.5349,"sentiment":"neutral","sentiment_score":0.13074027001857758}],"sentiment":"neutral","sentiment_score":0.13074027001857758,"channel":0,"num_words":1,"start":1755.0349,"end":1755.5349},{"sentences":[{"text":"Bye.","start":1756.059,"end":1756.559,"sentiment":"neutral","sentiment_score":0.0757569894194603}],"sentiment":"neutral","sentiment_score":0.0757569894194603,"channel":1,"num_words":1,"start":1756.059,"end":1756.559}]},"summary":{"result":"success","short":"Representatives from Okey Financial called Colleen to discuss her updated advice document and offer changes to her investment portfolio to reduce risk. The benefits of switching insurance policies and maintaining a strong cash balance are discussed, along with the importance of maintaining a strong coverage and covering expenses for the customer. The agent recommends reducing the one pass policy and increasing the income protection policy to meet the customer's goal for life and TBD. The agent explains the coverage and payment process for the customer's life and TBD plans, as well as updating coverage for the left knee exclusion. The agent emphasizes the importance of customer satisfaction and provides information on the process."},"intents":{"segments":[{"text":"I had to book in to go through your updated advice document. Is now still a good time? Or all good.","start_word":25,"end_word":45,"intents":[{"intent":"Book advice","confidence_score":0.032113574}]},{"text":"So you're on your way home at the moment in traffic there, so you clearly don't have access to your emails. Are you okay if I just run through essentially the updated advice and let you have a look at it later? Is that okay? Or Yeah.","start_word":70,"end_word":116,"intents":[{"intent":"Confirm access to emails","confidence_score":0.013099135}]},{"text":"Or did you want me to maybe give you a bit of a callback later when you're at home?","start_word":127,"end_word":145,"intents":[{"intent":"Request callback","confidence_score":0.13698687}]},{"text":"And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":196,"end_word":223,"intents":[{"intent":"Check security check","confidence_score":0.0011306342}]},{"text":"So just wanting to obviously start on that for you. When you Yes.","start_word":306,"end_word":318,"intents":[{"intent":"Start on conversation","confidence_score":0.0032195856}]},{"text":"do look at the advice document, which I have emailed to you as well, that'll be in your inbox. It does note here that the document has been prepared as of today's date.","start_word":319,"end_word":351,"intents":[{"intent":"Provide advice document","confidence_score":0.020856434}]},{"text":"So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch. So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit. So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you. Okay?","start_word":502,"end_word":575,"intents":[{"intent":"Implement investment switch","confidence_score":0.0016588628}]},{"text":"When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at all. But Yep.","start_word":718,"end_word":764,"intents":[{"intent":"Discuss portfolio performance and predict future improvements","confidence_score":8.520557e-8}]},{"text":"If you have any questions in relation to those investments, let me know. I just don't wanna overcomplicate it whilst you're in traffic there for you. Yeah.","start_word":1107,"end_word":1133,"intents":[{"intent":"Address questions about investments","confidence_score":0.0013500716}]},{"text":"So when I had a look at the two policies that you do have with Telum OnePath, I've essentially been able to work out a way that we can alter the policies there.","start_word":1597,"end_word":1629,"intents":[{"intent":"Change policy","confidence_score":0.019429278}]},{"text":"What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD.","start_word":1953,"end_word":1979,"intents":[{"intent":"Recommend policy modification","confidence_score":0.0026146064},{"intent":"Recommend changing policy","confidence_score":0.0017344789},{"intent":"Recommend policy cancellation","confidence_score":0.34766677},{"intent":"Recommend policy cancellation","confidence_score":0.23705766}]},{"text":"It does save you over $4,000 in premiums, which is a positive, But we just have to keep making sure that those policies stay in line with your needs because they will continue to get more expensive over time, and we wanna keep reducing those back as we need to. Does that make sense? Yes.","start_word":2302,"end_word":2356,"intents":[{"intent":"Reduce premium expenses","confidence_score":0.0000023320722}]},{"text":"Now the other thing we talked about was the life and trauma. So you wanted to see what trauma would cost you. Essentially, we were looking at applying for about one year's worth of income. You were on about 70,000 per annum when we spoke last. Is that still roughly your income? Yes.","start_word":2430,"end_word":2482,"intents":[{"intent":"Apply for income","confidence_score":0.026027145}]},{"text":"So we're attaching the at life and trauma policy together with a benefit of 70,000, and that essentially would cost you about $37.91 on a monthly basis.","start_word":2598,"end_word":2624,"intents":[{"intent":"Educate about policy benefits","confidence_score":0.052850656}]},{"text":"sure that when you're paying for insurance is that you get the benefits that really provide you with the most amount of cover possible. Does that all make sense? Yes.","start_word":2965,"end_word":2994,"intents":[{"intent":"Address insurance concerns","confidence_score":0.18470782}]},{"text":"Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that works? Kyle.","start_word":3635,"end_word":3663,"intents":[{"intent":"Inform about policy requirements","confidence_score":0.0009307596}]},{"text":"So because Yep. your nieces and nephews don't quite qualify for that, I'm recommending that on the CalLife policy, the one pass sorry. On the the one pass policy and your hub 24 super that we do or that we do update your beneficiary nominations to legal personal representative.","start_word":3778,"end_word":3826,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.4495117}]},{"text":"And then I have obviously made a recommendation in here to set up a will and also power of attorney.","start_word":4142,"end_word":4161,"intents":[{"intent":"Set up will and power of attorney","confidence_score":0.35311532}]},{"text":"We do have solicitors that we can refer you through to if you do require the services of them.","start_word":4162,"end_word":4180,"intents":[{"intent":"Refer to solicitors","confidence_score":0.054538198}]},{"text":"that with you every year, and we Yes. wanna make sure that these policies stay in line with your needs.","start_word":4352,"end_word":4371,"intents":[{"intent":"Stay current with policies","confidence_score":0.000046403147}]},{"text":"make alterations as we need to.","start_word":4421,"end_word":4426,"intents":[{"intent":"Make alterations","confidence_score":0.015453159}]},{"text":"With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us. It is paid by the insurance company and not by you.","start_word":4427,"end_word":4465,"intents":[{"intent":"Apply for policy","confidence_score":0.34360904}]},{"text":"Every recommendation I make has to be in your best interest, and that's why I have a best interest duty in there for you just relaying it back to your goals and making sure that I'm doing the right thing by you. Okay? Yep.","start_word":4514,"end_word":4557,"intents":[{"intent":"Relay recommendations","confidence_score":0.50996965},{"intent":"Verify best interest duty","confidence_score":0.000549203}]},{"text":"your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us. Yep.","start_word":4560,"end_word":4600,"intents":[{"intent":"Incorporate policy changes","confidence_score":0.0009815126},{"intent":"Consolidate policy changes","confidence_score":0.00009548789}]},{"text":"Essentially, with that policy being as it is so old, the commission structure is slightly different. It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about $374. Yep.","start_word":4601,"end_word":4640,"intents":[{"intent":"Understand policy structure","confidence_score":0.028633518}]},{"text":"When you look at the document, when you get to the end of it on page 39, we have outlined and sorry, 38. We have outlined the breakdown of the commissions that we do receive so that we are upfront and just disclose those to you. But just so you're aware, they are paid by the insurer to us, not by you. It's just Yeah.","start_word":4641,"end_word":4705,"intents":[{"intent":"Disclose commission payments","confidence_score":0.000021665152}]},{"text":"We'll apply for the life and trauma policy to get that instated and then get your beneficiaries all in line as well.","start_word":4830,"end_word":4851,"intents":[{"intent":"Apply policy for life and trauma policy","confidence_score":0.12733468},{"intent":"Obtain beneficiaries","confidence_score":0.010799926}]},{"text":"If you do have any questions, let us know.","start_word":4978,"end_word":4986,"intents":[{"intent":"Request clarification","confidence_score":0.00020918093},{"intent":"Request clarification","confidence_score":0.012011802}]},{"text":"You're just all good. Thank you for your time, Colleen.","start_word":5152,"end_word":5161,"intents":[{"intent":"Express gratitude","confidence_score":0.113547586}]},{"text":"How many bags? Yep. Yep.","start_word":5209,"end_word":5213,"intents":[{"intent":"Check bag capacity","confidence_score":0.003244595}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Colleen. It's Dana from Okey Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1832364946603775},{"text":"I'm good. Thank you. How are you? Very well. Thank you.","start_word":14,"end_word":24,"sentiment":"positive","sentiment_score":0.4955660402774811},{"text":"I had to book in to go through your updated advice document. Is now still a good time? Or all good. Good. Oh, no. That's okay. I thought I could hear something in the background. Wasn't quite sure what that was. No. All good, Colleen. So you're on your way home at the moment in traffic there, so you clearly don't have access to your emails. Are you okay if I just run through essentially the updated advice and let you have a look at it later? Is that okay? Or Yeah. Yep. yeah. Are That's we okay. fine? Yeah. All good. Or did you want me to maybe give you a bit of a callback later when you're at home? What's easier for you? No. No. That's okay. Not a problem at all. Look. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. That's fine.","start_word":25,"end_word":194,"sentiment":"neutral","sentiment_score":0.038475073873996735},{"text":"Fantastic.","start_word":195,"end_word":195,"sentiment":"positive","sentiment_score":0.46766942739486694},{"text":"And, also, just a quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep.","start_word":196,"end_word":224,"sentiment":"neutral","sentiment_score":0.14859537780284882},{"text":"Beautiful. Thank you so much for that.","start_word":225,"end_word":231,"sentiment":"positive","sentiment_score":0.4335198998451233},{"text":"So, Colleen, look, the advice document was essentially centered around the superannuation and the insurances. You obviously have quite a lot of insurances between the two policies there. And when Yes. you and I spoke last year, we talked about looking to try and alter those insurances so that you have the level of cover you're after, but that we can hopefully reduce the cost a bit for you as well. Yeah. All good. So just wanting to obviously start on that for you. When you Yes. do look at the advice document, which I have emailed to you as well, that'll be in your inbox. It does note here that the document has been prepared as of today's date. All of our advice is valid for sixty days, so take some time to have a read through the document. Let me know if you do happen to have any questions there. On the front page, it also has my authorized representative number as in a licensed adviser with ASIC, Yep. and my license number is 1304394. Okay?","start_word":232,"end_word":409,"sentiment":"neutral","sentiment_score":0.12116502242141897},{"text":"Beautiful.","start_word":410,"end_word":410,"sentiment":"positive","sentiment_score":0.6947993040084839},{"text":"Now since we did speak last year to do a bit of a catch up with you at the end of last year, we have sort of also done a bit of research around your super.","start_word":411,"end_word":446,"sentiment":"neutral","sentiment_score":0.21769019961357117},{"text":"Hub twenty four is working really well for you.","start_word":447,"end_word":455,"sentiment":"positive","sentiment_score":0.5897369384765625},{"text":"However, we have noted that some of the investments have underperformed a little bit this year, so we wanted to make sure your super is working as hard as possible as well as, obviously, having your insurance is hopefully re reduced a little bit for you. So when you do look at the advice document on page number 16, we are looking to do a bit of an investment switch. So just making some switches around the investments where, essentially, your Australian equities portion of your investments has under performed a little bit. So we're looking at maybe swapping that out and putting you into something that's a little bit cheaper that's been performing a lot better for you. Okay? Yeah.","start_word":456,"end_word":576,"sentiment":"neutral","sentiment_score":0.10473315417766572},{"text":"Excellent.","start_word":577,"end_word":577,"sentiment":"positive","sentiment_score":0.4336869716644287},{"text":"I won't go through all the individual investments. They're kinda confused. It'll make it too overcomplicated. But when you have a look at that side, the at that page of the document, you'll see you've got a list of the investments. It also has what we're gonna be buying and selling in red and green, and the last column essentially shows you what the target weighting will be. So once we complete the switch, you'll still see a bit of physical gold, cybersecurity, Australian equities, US equities, and a bit of European, Japanese, and global exposure in there, but just wanting to make sure your super is working as hard as possible for you. One of one of the things I sort of looked at as well was how, obviously, the newer portfolio versus your older portfolio has performed. When I sort of look at the growth environment and the way the portfolio has performed over the last five years, in your current scenario, it's the investments have averaged about 9.82%, which look fine is by no means a bad investment return at all. But Yep.","start_word":578,"end_word":763,"sentiment":"neutral","sentiment_score":0.0841137480231062},{"text":"by making the switch, you'll see when you see the documents there, the newer portfolio has actually performed and showed an average rate of return of 11.55% over the past five years. So so so long as market conditions act the same as they have, if you're able to get that same performance over the next five to ten years, it actually increases the returns that you're able to get and does put you in a better position long term. It increases the projected amount over the next five to ten years for you.","start_word":764,"end_word":857,"sentiment":"positive","sentiment_score":0.5427553057670593},{"text":"Okay?","start_word":858,"end_word":858,"sentiment":"neutral","sentiment_score":0.2262623906135559},{"text":"Yep. Excellent.","start_word":859,"end_word":860,"sentiment":"positive","sentiment_score":0.4614846408367157},{"text":"With making any changes to the investments, we are very mindful that your super fund, like you, does a tax return every year, so there are tax consequences inside super for making investment changes. We did Okay. do the research noting that the expected CDT cost for your super force switching the investments out and making the changes that I've recommended, we'd expect it to be about $846 in CGT, so not too bad. I did look at moving you to other platforms, but it works out better to stay where you are. It minimizes the CGT.","start_word":861,"end_word":957,"sentiment":"neutral","sentiment_score":0.1664525270462036},{"text":"And this investment portfolio we're looking to move you into by making those changes actually also saves you about $211 for the year on investment fees as well. So it's you know, had a much better past performance is a bit cheaper in investment fees, and essentially can put you in a much better position moving forward.","start_word":958,"end_word":1014,"sentiment":"positive","sentiment_score":0.4851536750793457},{"text":"So that's why we decided to make the switch and move some of those investments around for you. Okay. Yep. Yep.","start_word":1015,"end_word":1035,"sentiment":"neutral","sentiment_score":0.260871946811676},{"text":"All all good.","start_word":1036,"end_word":1038,"sentiment":"positive","sentiment_score":0.47701138257980347},{"text":"I didn't wanna make that too overcomplicated and confuse you too much, but have a look at that page on page 16 when you see the document. You'll see the red and the green, which shows you what we're buying and selling. And the last column, as I said before, just kind of reiterate what the your what your expected exposure is after we complete the switch. If you have any questions in relation to those investments, let me know. I just don't wanna overcomplicate it whilst you're in traffic there for you. Yeah. You're alright.","start_word":1039,"end_word":1134,"sentiment":"neutral","sentiment_score":0.06771611837514986},{"text":"Yeah. All good, Colleen.","start_word":1135,"end_word":1138,"sentiment":"positive","sentiment_score":0.5954282879829407},{"text":"Now all the other thing I sorta had to look at was, obviously, your cash balance is a little bit high at the moment. So within super, we only wanna hold a bare minimum amount of cash. You want most of your money to be invested. So at the moment, you've got about 2% cash there. We only wanna hold about 1.25%. So we will be taking some of the extra cash and investing that in the portfolio for you as well. Yep. Okay? Yep.","start_word":1139,"end_word":1223,"sentiment":"neutral","sentiment_score":0.09917812794446944},{"text":"Excellent.","start_word":1224,"end_word":1224,"sentiment":"positive","sentiment_score":0.5743838548660278},{"text":"Now one of the biggest things that we were sort of talking about was your insurance policy. So you have your insurance Yes. policy with one pass and tow, and it is costing you a lot at the moment, and that only gets more and more expensive over time. When Yes. we Yep. sort of spoke last year, your goal was with regard to the insurance there. You wanted to make sure that in the event of, you know, you passing away, that your mortgages were covered. You wanted to use with the gross income as well and then also have the funds paid out to your three nieces and nephews to make sure they were looked after in the event of something occurring. Yes. With regard to TBD, so total permanent disability, again, you wanted to be able to pay out your mortgage and cover up to five years Yep. worth of income replacement for you to live on, and then also make sure you had enough income protection to cover up to 70% of your income. We talked about having the shortest waiting period possible and keeping the benefit period at age 65. So because you're a veterinarian nurse, you spend a lot of time out and about, and the likelihood of you being off work for a long period of time or suffering a major injury, that's pretty high on the spectrum there. So Mhmm. making sure you had a good benefit period for your income protection. And then we also talked about trauma. So trauma pays out a lump sum benefit in the event of you being unable to sorry. May sorry. Diagnosed with a major traumatic illness or injury. Essentially, trauma is an out of pocket expense, and we talked about just looking to cover you for one year's worth of gross income because trauma is not paid inside super like the other types of cover. When we spoke, he wanted to see what the cost of trauma would be and then look at whether that was cost effective for you to apply for. Does that also ring a bell? Does that make sense? Yes. Yep. Yep. Yep. Does it all sound appropriate still? Yes. Yep.","start_word":1225,"end_word":1595,"sentiment":"neutral","sentiment_score":-0.021271977159433127},{"text":"Beautiful.","start_word":1596,"end_word":1596,"sentiment":"positive","sentiment_score":0.5070242881774902},{"text":"So when I had a look at the two policies that you do have with Telum OnePath, I've essentially been able to work out a way that we can alter the policies there. So we also talked about with TPD how there is taxation on TPD if you claim and you're under 60. So we also wanted to gross that up to account for the tax side of things for you. And we've also just do sorry. Minus off your super balance so we can have that as a bit of a buffer. Essentially, with your current cover with one pass, your life and TBD benefit is at 921,867. They are a linked policy paid out of super. And then you've got your income protection policy giving you a monthly benefit of $3.04 sorry. 3,411 Yes. on a thirty day wait and a $8.65 benefit. Now this policy you've had here is the longest policy. This the one that we have an authority on and has been set up since 2021. Yep.","start_word":1597,"end_word":1768,"sentiment":"neutral","sentiment_score":0.0801924467086792},{"text":"This policy is a really great policy.","start_word":1769,"end_word":1775,"sentiment":"positive","sentiment_score":0.6139872670173645},{"text":"The income protection side of that isn't quite meeting that 70% of your income side of things. So the way I've been looked at to alter the policy is that we're going to reduce the one path policy, life and TPD back to a need. So we're gonna reduce the $9.21 back to 630,000 for the life and Yep. TPD.","start_word":1776,"end_word":1835,"sentiment":"neutral","sentiment_score":-0.0135685158893466},{"text":"That reduces some of the costs for you and retaining the income protection exactly as it is because it has the lowest waiting period.","start_word":1836,"end_word":1859,"sentiment":"positive","sentiment_score":0.5060511231422424},{"text":"It has the age 65 benefit period, and the income protection policy isn't quite at need.","start_word":1860,"end_word":1875,"sentiment":"neutral","sentiment_score":0.3330947756767273},{"text":"So that will reduce the cost a little sorry, a little bit for you.","start_word":1876,"end_word":1889,"sentiment":"positive","sentiment_score":0.4452439546585083},{"text":"That Yep. essentially reduces your premiums from 5,355 and 70<unk> to $3,177.55 Yep. approximately that. Okay? The second policy you have is the power policy. You've got over 390,000 of life and TPD there, again, paid out of super and an income protection policy with a monthly benefit of $4,566 on a sixty day wait and with only a five year benefit period. What I'm recommending because the because with the alterations to the one pass policy from that 900,000 to 630, that meets your goal for life and TBD. I am recommending with the power policy that we set up for you when you came onboard with us that we cancel the life and TBD out of that.","start_word":1890,"end_word":2009,"sentiment":"neutral","sentiment_score":0.15344837307929993},{"text":"That will reduce the cost for you.","start_word":2010,"end_word":2016,"sentiment":"positive","sentiment_score":0.3903857469558716},{"text":"And then we just reduced the income protection policy down to 650 as a monthly benefit.","start_word":2017,"end_word":2032,"sentiment":"neutral","sentiment_score":0.26895198225975037},{"text":"That offsets what you've got on the one pass policy and essentially meets your needs.","start_word":2033,"end_word":2047,"sentiment":"positive","sentiment_score":0.3579862415790558},{"text":"Yep.","start_word":2048,"end_word":2048,"sentiment":"neutral","sentiment_score":0.25153619050979614},{"text":"That means you're reducing your costs very significantly, and the policy the amount that is expected to be paid for these policies after we do these reductions and cancellations saves you over $4,152 in premium.","start_word":2049,"end_word":2083,"sentiment":"positive","sentiment_score":0.4094830155372619},{"text":"Yeah. Sorry. You're right?","start_word":2084,"end_word":2087,"sentiment":"neutral","sentiment_score":0.07973477989435196},{"text":"It is quite a significant, yeah, it is a quite a significant saving.","start_word":2088,"end_word":2100,"sentiment":"positive","sentiment_score":0.3557029068470001},{"text":"So what I would like to do and the other thing with the one pass policy is, that does go through renewal every year, and those premiums do increase along with CPI or along with their set interest increase rate. So each time the one pass policy goes to renewal and that monthly benefit of your income protection increases slightly, we can reevaluate that against the TOW policy and continue to reduce that income protection policy with Tower. So, eventually, we'll be able to cancel that policy wholly. Yep. That essentially the reason I wanted to cancel the Tower policy wholly is that your your one pass policy has been held for much longer. That way, Yes.","start_word":2101,"end_word":2216,"sentiment":"neutral","sentiment_score":-0.03787287588006463},{"text":"it does provide greater benefit.","start_word":2217,"end_word":2221,"sentiment":"positive","sentiment_score":0.43591922521591187},{"text":"Yep. The thirty day wait and the eight sixty five benefit period suited your needs more, whereas the towel policy only had a sixty day wait and a five year benefit period. So the towel policy is absolutely less the period than the one part policy. Yes. The one pass policy has been held longer and can cost more, but it is that it's retained that way possible.","start_word":2222,"end_word":2289,"sentiment":"neutral","sentiment_score":0.15324489772319794},{"text":"So this is sort of what I wanted to do with that.","start_word":2290,"end_word":2301,"sentiment":"positive","sentiment_score":0.48984837532043457},{"text":"It does save you over $4,000 in premiums, which is a positive, But we just have to keep making sure that those policies stay in line with your needs because they will continue to get more expensive over time, and we wanna keep reducing those back as we need to. Does that make sense? Yes. Yes.","start_word":2302,"end_word":2357,"sentiment":"neutral","sentiment_score":0.13092519342899325},{"text":"Beautiful.","start_word":2358,"end_word":2358,"sentiment":"positive","sentiment_score":0.33948662877082825},{"text":"Florida. Yeah. I know it is a lot to go through. So when you have some time, you're able to check your emails. Please have a look at the documents and read through those pages. Yes. The breakdown of the recommendations around insurances are on page 22 for you, so Yep.","start_word":2359,"end_word":2409,"sentiment":"neutral","sentiment_score":0.11046557128429411},{"text":"that will certainly help.","start_word":2410,"end_word":2413,"sentiment":"positive","sentiment_score":0.391169786453247},{"text":"And let me know if you do happen to have any questions there. Okay? Yep. Excellent. Now the other thing we talked about was the life and trauma. So you wanted to see what trauma would cost you. Essentially, we were looking at applying for about one year's worth of income. You were on about 70,000 per annum when we spoke last. Is that still roughly your income? Yes. Yeah. Yep. Yep. Beautiful. Excellent. So what I've done is I've had a look at trying to apply for, trauma, and we've looked at doing it with one path. Obviously, there's lots of different options out there for insurance companies, but I tried to sort of make it so you didn't have, you know, three or Yep. four different insurers Yes. ahead Yes. of you. Yep. So we're looking to apply for trauma with one path. And now trauma policy stand alone can be kind of expensive. So the way I've tried to adjust the premium, make it more cheaper for you is to also add a little bit of life cover to it. So we're attaching the at life and trauma policy together with a benefit of 70,000, and that essentially would cost you about $37.91 on a monthly basis. And that gives you a lump sum tax free payout in the event that you're, you know, diagnosed the major conditions, the things like heart attack, strokes, Parkinson's, other neurological conditions, and your cancer is probably the biggest one that is claimed on trauma. It is an out of pocket expense there, but having a life benefit attached to that also provides you with a benefit. So under with life insurance held inside super, you actually don't get any sort of upfront assistance for funeral. However, if you hold a little bit of life cover outside of super and pay for that premium out of your back pocket, You actually do get, the benefit of having some funeral expenses. With OnePath, if you were to pass away prematurely by holding a life policy out of pocket, they would pay up to 25,000 upfront to the executor of your will to be able to help cover your funeral expenses for you. So it's essentially the amount of the policy or 25,000 as the highest lump sum, which if you think about it could help to pay for a pretty significant funeral. Yeah. So that's one of the benefits to doing so. With trauma, we do link the policies together, and we do always, when we are linking policies, have a buyback option. So with linking trauma and life together, and then with them both having the benefit amount of seventy thousand, if you say, for example, got cancer and claimed that seventy thousand of trauma, that actually does cancel the life policy. So we add the buyback option onto that one so that after you've had the trauma claim, that life cover is reinstated back so you can claim that life cover later Yep. down the track. And we also add the reinstatement. So after having one trauma claim, they can reinstate the policy for trauma for you. So if there's a secondary event or a secondary diagnosis, you can actually claim Yep. that again. It's all part of making Alright.","start_word":2414,"end_word":2963,"sentiment":"neutral","sentiment_score":0.11090343334796754},{"text":"sure that when you're paying for insurance is that you get the benefits that really provide you with the most amount of cover possible.","start_word":2964,"end_word":2987,"sentiment":"positive","sentiment_score":0.420891672372818},{"text":"Does that all make sense? Yes. Please let me know if you have questions. Yeah. No. It's all good. Yep.","start_word":2988,"end_word":3007,"sentiment":"neutral","sentiment_score":0.19540174305438995},{"text":"All all good. All good.","start_word":3008,"end_word":3012,"sentiment":"positive","sentiment_score":0.5130795836448669},{"text":"I know it's a lot, and I'm so sorry. I always try to, you know, go as easy as possible, but just making Yep. sure No. I touch on those points that I need to for you. Yep. Sorry, Colleen. That's alright. Now the other thing is, obviously, on your current one part policy, you do have a a left knee exclusion that will remain on the policy currently. We will look down the track to obviously find out how we can have that removed. And at the moment, the policy, because it has been held for so long, does have a different adviser attached to it. So we are also gonna get you to sign a change of adviser form so we can have the Yep. policy transferred to us so that Yep. we can obviously take over and actually make changes to the policy for you and help you with it down the track if that helps. Okay? With looking at your health and after our conversation last year, it was obviously on disability covers. The left knee exclusion would be applied, you know, moving forward. There's nothing else that really flagged to us that would be of a major exclusion on applying for life and trauma. However, we do have to go through a new application. So if there is anything major, any preexisting Yes. illnesses, injuries that affect those sorts of covers, there could be loadings and or exclusions. But once you go through the application for those, I'll double check the application with the admin team prior to it being submitted. And if if there is anything that needs to be flagged, we'll have that conversation with you first. Okay? Yep. Yep.","start_word":3013,"end_word":3299,"sentiment":"neutral","sentiment_score":-0.028719831258058548},{"text":"Excellent.","start_word":3300,"end_word":3300,"sentiment":"positive","sentiment_score":0.45302456617355347},{"text":"Throughout the documents there, we do outline essentially the best interest and how this relates back to your back to your goals and why the recommendations are in your best interest. With regard to the insurances, they're retaining the one pass policy because it is the older policy. It does have the much more favorable No. terms, and, sorry, with your regards to your income protection is the better way to retain that one and is in your best interest. We're just in the towel policy because you don't need that much cover. You're currently over insured and paying a lot of money for that those Yes. premiums. And the more you pay Yes. for insurance premiums, the more it's affecting your retirement outcome, so it's good to always reduce those back. Yes.","start_word":3301,"end_word":3433,"sentiment":"neutral","sentiment_score":0.05337778279991975},{"text":"The the trauma and life paid out of pocket essentially meets your goal because it gives you that trauma policy giving you cover for one year's worth of gross income, and having life attached helps to reduce the cost of the premiums and also gives you the benefit of the funeral cover paid out in the event something was to happen for you.","start_word":3434,"end_word":3496,"sentiment":"positive","sentiment_score":0.4159213900566101},{"text":"The downside is trauma, is an out of pocket cost.","start_word":3497,"end_word":3506,"sentiment":"negative","sentiment_score":-0.4588300883769989},{"text":"So that's 37, what did I say? Sorry. It was $37.91 would come out of your bank account or credit card on a monthly basis depending on how you choose to pay that. Okay? Alright. Yeah. Yeah. Yeah. Yeah. Essentially, the other side the other thing to kinda go through is obviously the beneficiary side of things. So one of the things we talked about was that you wanted your in your insurance, your life cover, and also your super to be paid out to to your three nieces and nephews in the event that something was to happen to you. We are making a recommendation with the estate planning as well to make sure that in the event of something occurring, that they can receive a payment. Do you remember last year when we caught up, we talked about what the SIS Act and what constitutes the beneficiary under the legislation and how that works? Kyle. Kyle. Yes. That's okay. So under essentially, when we look at beneficiaries, there are two forms of legislation that you have to abide by. Essentially, the first one is the CIS Act, and that controls who can be a beneficiary on super and insurances Yes. paid within super. Essentially, you need to be they need to be, sorry, your child, your spouse, or someone who relies on you as an interdependent relationship. So you pay for their bills. You look after them. They live with you. And at time of claim, they have to prove that they have that financial or interdependent relationship, and it can be very, very hard to claim to prove. So because Yep. your nieces and nephews don't quite qualify for that, I'm recommending that on the CalLife policy, the one pass sorry. On the the one pass policy and your hub 24 super that we do or that we do update your beneficiary nominations to legal personal representative. Now that essentially means that in the event of you passing, your super and life insurance would fully be paid out to your estate. And then you just need to make sure you have an updated will, Yes. have a will drawn up by a solicitor or do a will kit or however you prefer to do so. And in the body of the will, it just needs to clearly outline that you want the funds to be paid to your nieces and nephews and however whatever percentage that you choose for that to be in. The risk Yes. with updating the beneficiaries this way is that picking legal personal representative means that it goes through to your estate. That's absolutely fine. But if you don't have a will drawn up to then direct the funds out as per your wishes, then it goes through a probate process, which is a legal process of distribution of funds, and that can take anywhere between twelve to two years. I've seen it go for five years sometimes. So Yeah. it is important that you do have a will drawn up as well. Okay? Yep. Yep. Alright. Yeah.","start_word":3507,"end_word":4021,"sentiment":"neutral","sentiment_score":0.037062626567135736},{"text":"Beautiful.","start_word":4022,"end_word":4022,"sentiment":"positive","sentiment_score":0.4413577616214752},{"text":"I'm gonna do But that. when it yeah.","start_word":4023,"end_word":4030,"sentiment":"neutral","sentiment_score":0.20893090963363647},{"text":"It's all good.","start_word":4031,"end_word":4033,"sentiment":"positive","sentiment_score":0.39932048320770264},{"text":"But when it comes to the beneficiary nominations, we will obviously help you. We if you're comfortable with us, my team can tick the boxes and prefill the forms as much as possible. We'll get them out to you. That way, they can be signed and witnessed. Witnesses just have to be over the age of 18, and it can be absolutely anyone you like.","start_word":4034,"end_word":4098,"sentiment":"neutral","sentiment_score":0.22467072308063507},{"text":"It can be your best friend or client, your next door neighbor, your mom and dad, anyone you prefer.","start_word":4099,"end_word":4117,"sentiment":"positive","sentiment_score":0.5368223190307617},{"text":"So it's just Yes. about making sure that someone witnesses you signing them and that two people witness the nominations with you. Okay?","start_word":4118,"end_word":4140,"sentiment":"neutral","sentiment_score":0.2909277677536011},{"text":"Beautiful.","start_word":4141,"end_word":4141,"sentiment":"positive","sentiment_score":0.7704516649246216},{"text":"And then I have obviously made a recommendation in here to set up a will and also power of attorney. We do have solicitors that we can refer you through to if you do require the services of them. Alternatively, if you just got a local solicitor who can set up a will, generally, getting a will in place is pretty cheap if you're just doing a very soft Yep. standard will. More complex will do get into sort of the $12,000 mark, but normally, anywhere between 3 to $500, you can just do up a very stock standard simple will.","start_word":4142,"end_word":4242,"sentiment":"neutral","sentiment_score":0.1900392919778824},{"text":"So, Yep. absolutely Yeah. easy to do.","start_word":4243,"end_word":4249,"sentiment":"positive","sentiment_score":0.552592933177948},{"text":"Inside the document there, we do also have the advantages, disadvantages, the risks involved. I've as so added a best interest duty as noted onto, essentially, all those recommendations.","start_word":4250,"end_word":4278,"sentiment":"neutral","sentiment_score":0.2115836888551712},{"text":"So you'll be able to have a really good rate through those.","start_word":4279,"end_word":4290,"sentiment":"positive","sentiment_score":0.5897398591041565},{"text":"Our ongoing service fee is also still applied. We've also attached the ongoing service agreement for the next twelve months through that email as well. So you do pay us a fee of 1.65% per annum, and that is deducted in smaller monthly increments out of your super for our services, updating the advice, and everything like that. We renew Yes. that with you every year, and we Yes.","start_word":4291,"end_word":4359,"sentiment":"neutral","sentiment_score":0.21728496253490448},{"text":"wanna make sure that these policies stay in line with your needs.","start_word":4360,"end_word":4371,"sentiment":"positive","sentiment_score":0.398040235042572},{"text":"Because as I said, they are gonna get more expensive over time, and we don't want you to have no super when you get the retirement there. So we will do reviews with you, making sure to keep them up to date, check them with you, Yeah. and Yes. make alterations as we need to. With applying for the new one pass policy for the life and trauma, we do receive remuneration upfront for that for the policy that is written by us. It is paid by the insurance company and not by you. But for insurances across the board, we do receive 66% of the first year's premium and then 22% there ongoing for you.","start_word":4372,"end_word":4487,"sentiment":"neutral","sentiment_score":0.09190447268814876},{"text":"So that is stock standard across the board.","start_word":4488,"end_word":4495,"sentiment":"positive","sentiment_score":0.333432674407959},{"text":"It's legislated that way, and that has no effect on my recommendations in any way, shape, or form. Every recommendation I make has to be in your best interest, and that's why I have a best interest duty in there for you just relaying it back to your goals and making sure that I'm doing the right thing by you. Okay? Yep. With Yep. your one pass policy, because we are getting you to sign the form to change with the adviser, it does mean that the the commissions that the current adviser on the policy has been receiving will then transfer to us. Yep. Essentially, with that policy being as it is so old, the commission structure is slightly different. It's essentially we receive 10% of the premium at renewal time as a one off, and we estimate that to be about $374. Yep. When you look at the document, when you get to the end of it on page 39, we have outlined and sorry, 38. We have outlined the breakdown of the commissions that we do receive so that we are upfront and just disclose those to you. But just so you're aware, they are paid by the insurer to us, not by you. It's just Yeah. the ongoing service that comes out of your super. That is the fee that you pay for. Is that okay? Do you have any questions? I think so. Yeah. Do you have any Over questions the diaper. in relation to any of that? Yeah. All good. Yeah. I'll wear All good. So to kinda give you a really simple run the through Marmos. of what we will do to implement this, we'll start by just doing your investment switch, just changing the investments, then we'll get you to sign the one pass form to change the adviser on that policy. We'll then go through a reduction with your tower policy, and we'll also reduce your life and TPD on the one pass policy simultaneously. We'll apply for the life and trauma policy to get that instated and then get your beneficiaries all in line as well. So that's how the implementation would work for this. Yep.","start_word":4496,"end_word":4861,"sentiment":"neutral","sentiment_score":0.110506287363709},{"text":"Okay. Beautiful. That is all I'm going to sort of put out there for now.","start_word":4862,"end_word":4876,"sentiment":"positive","sentiment_score":0.44458743929862976},{"text":"I've gone through everything I need, sir, and it's a lot. Yep. And I'm sure Yep. your head is a little bit exploding with information right now. Okay. Just a little. Absolutely. I completely understand. But, look, although the s the statement of advice and all the quotes, all the supporting documents, the ongoing service agreement, all of that is in that email in in your inbox for you now. Yep. When you get some time, I would probably suggest make yourself a cup of tea, have a sit down, open up the email, run your eyes to the advice document. If you do have any questions, let us know. Yep. And, yeah, if you're happy once you've gone through it and read it and you understand it, if you are happy to proceed with the recommendations, we'll just get you to sign and return that. If there's any part of the recommendations you do not wish to proceed with, on the very last page, we do have a text box. So you can just write in there any part that you're not wanting to proceed with. Okay? Yep. Alright. And we've also got in there just noted down all of your assets and liabilities and things that we went through when we spoke last time. Just feel free to run your eyes over those. If you think there's any changes that you would like to have updated in the back end, please let me know. We can always Yep. update that in the back end there for you as well, and we'll make sure we do a review down the track. Okay? Yep. Okay.","start_word":4877,"end_word":5151,"sentiment":"neutral","sentiment_score":0.08342587947845459},{"text":"You're just all good. Thank you for your time, Colleen.","start_word":5152,"end_word":5161,"sentiment":"positive","sentiment_score":0.419477641582489},{"text":"I'm sorry. I knew this was gonna be a lot. I just That's alright. Oh, goodness. Yeah. I'm on my black ice. I don't see bad. I can look look. into Honestly, it you are absolutely amazing. Have you had a busy day? all. A little. How many bags? Yep. Yep. Yeah.","start_word":5162,"end_word":5213,"sentiment":"neutral","sentiment_score":0.023734278618716277},{"text":"Well, it worked out good because I know from previous conversations with your job, you can get call outs at all times of the day and the Oh, yeah.","start_word":5214,"end_word":5242,"sentiment":"positive","sentiment_score":0.41959235072135925},{"text":"night. So Becky. Yes. Oh, we That's did for sure.","start_word":5243,"end_word":5252,"sentiment":"neutral","sentiment_score":0.18439121544361117},{"text":"well. We did well to catch you.","start_word":5253,"end_word":5259,"sentiment":"positive","sentiment_score":0.5030186772346497},{"text":"Well, please Yes. take time to read that one through.","start_word":5260,"end_word":5269,"sentiment":"neutral","sentiment_score":0.26220765709877014},{"text":"Let me know if there's any questions, and I hope you have a safe trip home and a really good night, Colleen. But thank you for your time this afternoon. I appreciate that.","start_word":5270,"end_word":5302,"sentiment":"positive","sentiment_score":0.5908408761024475},{"text":"Yeah.","start_word":5303,"end_word":5303,"sentiment":"neutral","sentiment_score":0.2725064754486084},{"text":"Alright. Thank you. Thank you.","start_word":5304,"end_word":5308,"sentiment":"positive","sentiment_score":0.47429031133651733},{"text":"I'll talk to you soon. See you later. Okay. Take care. Bye. Bye. Bye.","start_word":5309,"end_word":5322,"sentiment":"neutral","sentiment_score":0.2332671731710434}],"average":{"sentiment":"neutral","sentiment_score":0.124459067446958}}}}