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Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund. Have you got a bit of time, Paul? Perfect. Perfect. So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you? Perfect. So I'm registered with ATHIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address for me? Sensational. Thank you very much for that. Mate, what I wanted to kinda go through with you today was just a a few options that I was kind of looking at for you. Now when it comes to the self funded super fund, I believe you kind of just rolled that across pretty recently, and I believe you've managed to get into the old property in the super before the the cutoff with the legislation. Perfect. Perfect. So what's kind of left at the moment is you've got about seven, eight hundred sitting in the Netwealth account. Since the rollout, you've had some contributions and distributions go in there. So it's starting to build up at the moment, and you do have that insurance policy sitting there attached to that account as well. So first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward. Yep. Cool. Cool. So a couple of things I need to run through with you as well just because my job as senior adviser is just to walk you through your options here. Now normally when just a bit of a background. When I do self managed super fund advice, what we tend to do for our clients is we would set them up with, like, the bank account that you've already got for all the money to go in so you can purchase the property and pay for the loans and everything. And then alongside that, you kinda need something super wide, either through the self managed super fund or through your standard super just to kind of grow everything alongside it. Because, obviously, not all the money is gonna be used for the property. Right? Absolutely. So there's a few ways you can kinda do it, and then we'll kind of break it down in a bit more depth together. So you've got the Neos insurances coming out of Netwealth at the moment. Now those insurances, they can come out of a self managed super fund bank account, so you can actually have the self managed super fund own the policy. So it can either come out of a net wealth. It can come out of the SMSF. You can even have a net wealth account owned by the SMSF as well if you like. And then it can also come out of any other super fund because it is like an enduring rollover. They can take the premiums out of most any fund as well. Now what I'm sort of thinking with it at the moment is with Netwealth, it's a fantastic platform because it has just so many investment options. But my only main concern at the moment is they have pretty high, like, flat account keeping fee. So, normally, you go into a NetWell or a hub or what we call a wrap platform if you've got about a 100 to 200,000 minimum just because you've got all these flat fees coming out of it. So it has been building up pretty well, but there's a solid upwards of $700 a year that comes out of it in fees, which is about a tenth of your account balance at the moment. So what my concern is with is this account isn't really suitable for the low balance. It's suitable for the more higher balances as well. Normally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well. So I just wanted to kind of run that by you as well. K? With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment. There's only a couple left. You've got a bit of international shares, a bit of gold there as well. There's not like a like a full portfolio like we had before. So, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point. Does that make sense? So I guess my question at the moment is we don't normally look after that account balance as it is because we're we're just not allowed to charge fees as advisers below sort of that 50 to 80,000 mark as well just because our fees are gonna stop the super from growing as well on top of those account keeping fit. So just based on yeah. Well, that's what I'm sort of thinking because, like, you can build it up. And the thing to be wary of is you kinda need that 9 to $10 in there for the insurances and just for the the minimums for the fees and everything. You might be better off moving it around somewhere where it's not getting eaten up with fees alongside that property. Yeah. And I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate. Just do this, and I'll sort you out. I wanna make sure we're doing right by you, whichever way that is. So, again, I'll kind of maybe send you a quick email, but the options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund. And with Netwealth, there is some high fees until you build it back up again. The other thing I wanna just quickly run by you is just the policy that you've got yourself through Neon. Have you do you remember the last time you kind of reviewed it? Yeah. So I'm gonna send you through your certificate of currency, which just breaks down all the covers that you've got and the premiums associated with them, just so you know kind of what you've got there as well, if that's okay. Now last couple of things I wanted to run by you is the next anniversary isn't until October. So you've got a few months until that comes due again. So it gives you a little bit of time to sort of sort out what we're doing with it all. But when October comes, the premium is gonna jump up again. And what I'm seeing here is that the the premiums are currently just shy of 9,000, and it wouldn't surprise me if it crepes over 10,000 in October. So quite hefty. I just wanted to quickly break down what you've got. So you've got 650,000 worth of life insurance and total disability insurance. That's like your lump sum. You passed away. You never work again. Here's a bit over a mill sorry, 0.5 a mill. So you kind of pay off the mortgage and things like that. You've also got the biggest price that you've got is the income protection. So that's covering you for 6,178 a month worth of cover that you would get. If you were out of work for thirteen weeks, it would kick in monthly for up to five years. Now what that kind of does, that's protecting an income of about 98,000 on paper. When I'm looking at your details that we've got on file, I noted that you were doing, sorry, concrete in work, but you were also kind of the director and owner of the business. Is that right? BMD? Okay. And you say that one again. Sorry. Industry the industries. Perfect. That's one that you own. And I do see contributions coming in. Is that coming from BND, or is that you you're sort of paying yourself wages and super out of the half? Yep. Okay. That's labor hire. That's what's coming in there. And you know how we've just kind of gone past the end of financial year? Do you know what you kind of ended up on income wise for the last twelve months? Yep. No worries. Just because, again, if you cover the 98,000, but you're only at 50, then you'd be over insured. If you earn a $150, well, then you're you're under insured or it's covered for that maximum amount. So I'll send through the certificate of currency there and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner. Cool. Is there anything that I can kind of help with at the moment? Any questions at this point? That'd be perfect. And then from there, I'm more than happy to have another chat with you guys and just kinda work out what we can do and best option for you. Beautiful, mate. Thank you so much for your time tonight. Keep an ear out for that email, and I'll talk to you soon. No worries at all, Adam. Talk to you soon, mate. 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evening, Adam. It's Tommy here, senior adviser from. How are you doing? Mate, living a dream so far. It's been a fantastic week.\n\nHope you all have been too. Good. Cool. Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund. Have you got a bit of time, Paul?\n\nPerfect. Perfect. So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you? Perfect. So I'm registered with ATHIC as adviser one two seven three one zero five.\n\nCould you please confirm your date of birth and address for me? Sensational. Thank you very much for that. Mate, what I wanted to kinda go through with you today was just a a few options that I was kind of looking at for you. Now when it comes to the self funded super fund, I believe you kind of just rolled that across pretty recently, and I believe you've managed to get into the old property in the super before the the cutoff with the legislation.\n\nPerfect. Perfect. So what's kind of left at the moment is you've got about seven, eight hundred sitting in the Netwealth account. Since the rollout, you've had some contributions and distributions go in there. So it's starting to build up at the moment, and you do have that insurance policy sitting there attached to that account as well.\n\nSo first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward. Yep. Cool. Cool. So a couple of things I need to run through with you as well just because my job as senior adviser is just to walk you through your options here.\n\nNow normally when just a bit of a background. When I do self managed super fund advice, what we tend to do for our clients is we would set them up with, like, the bank account that you've already got for all the money to go in so you can purchase the property and pay for the loans and everything. And then alongside that, you kinda need something super wide, either through the self managed super fund or through your standard super just to kind of grow everything alongside it. Because, obviously, not all the money is gonna be used for the property. Right?\n\nAbsolutely. So there's a few ways you can kinda do it, and then we'll kind of break it down in a bit more depth together. So you've got the Neos insurances coming out of Netwealth at the moment. Now those insurances, they can come out of a self managed super fund bank account, so you can actually have the self managed super fund own the policy. So it can either come out of a net wealth.\n\nIt can come out of the SMSF. You can even have a net wealth account owned by the SMSF as well if you like. And then it can also come out of any other super fund because it is like an enduring rollover. They can take the premiums out of most any fund as well. Now what I'm sort of thinking with it at the moment is with Netwealth, it's a fantastic platform because it has just so many investment options.\n\nBut my only main concern at the moment is they have pretty high, like, flat account keeping fee. So, normally, you go into a NetWell or a hub or what we call a wrap platform if you've got about a 100 to 200,000 minimum just because you've got all these flat fees coming out of it. So it has been building up pretty well, but there's a solid upwards of $700 a year that comes out of it in fees, which is about a tenth of your account balance at the moment. So what my concern is with is this account isn't really suitable for the low balance. It's suitable for the more higher balances as well.\n\nNormally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well. So I just wanted to kind of run that by you as well. K? With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment. There's only a couple left.\n\nYou've got a bit of international shares, a bit of gold there as well. There's not like a like a full portfolio like we had before. So, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point. Does that make sense? So I guess my question at the moment is we don't normally look after that account balance as it is because we're we're just not allowed to charge fees as advisers below sort of that 50 to 80,000 mark as well just because our fees are gonna stop the super from growing as well on top of those account keeping fit.\n\nSo just based on yeah. Well, that's what I'm sort of thinking because, like, you can build it up. And the thing to be wary of is you kinda need that 9 to $10 in there for the insurances and just for the the minimums for the fees and everything. You might be better off moving it around somewhere where it's not getting eaten up with fees alongside that property. Yeah.\n\nAnd I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate. Just do this, and I'll sort you out. I wanna make sure we're doing right by you, whichever way that is. So, again, I'll kind of maybe send you a quick email, but the options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund. And with Netwealth, there is some high fees until you build it back up again.\n\nThe other thing I wanna just quickly run by you is just the policy that you've got yourself through Neon. Have you do you remember the last time you kind of reviewed it? Yeah. So I'm gonna send you through your certificate of currency, which just breaks down all the covers that you've got and the premiums associated with them, just so you know kind of what you've got there as well, if that's okay. Now last couple of things I wanted to run by you is the next anniversary isn't until October.\n\nSo you've got a few months until that comes due again. So it gives you a little bit of time to sort of sort out what we're doing with it all. But when October comes, the premium is gonna jump up again. And what I'm seeing here is that the the premiums are currently just shy of 9,000, and it wouldn't surprise me if it crepes over 10,000 in October. So quite hefty.\n\nI just wanted to quickly break down what you've got. So you've got 650,000 worth of life insurance and total disability insurance. That's like your lump sum. You passed away. You never work again.\n\nHere's a bit over a mill sorry, 0.5 a mill. So you kind of pay off the mortgage and things like that. You've also got the biggest price that you've got is the income protection. So that's covering you for 6,178 a month worth of cover that you would get. If you were out of work for thirteen weeks, it would kick in monthly for up to five years.\n\nNow what that kind of does, that's protecting an income of about 98,000 on paper. When I'm looking at your details that we've got on file, I noted that you were doing, sorry, concrete in work, but you were also kind of the director and owner of the business. Is that right? BMD? Okay.\n\nAnd you say that one again. Sorry. Industry the industries. Perfect. That's one that you own.\n\nAnd I do see contributions coming in. Is that coming from BND, or is that you you're sort of paying yourself wages and super out of the half? Yep. Okay. That's labor hire.\n\nThat's what's coming in there. And you know how we've just kind of gone past the end of financial year? Do you know what you kind of ended up on income wise for the last twelve months? Yep. No worries.\n\nJust because, again, if you cover the 98,000, but you're only at 50, then you'd be over insured. If you earn a $150, well, then you're you're under insured or it's covered for that maximum amount. So I'll send through the certificate of currency there and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner. Cool. Is there anything that I can kind of help with at the moment?\n\nAny questions at this point? That'd be perfect. And then from there, I'm more than happy to have another chat with you guys and just kinda work out what we can do and best option for you. Beautiful, mate. Thank you so much for your time tonight.\n\nKeep an ear out for that email, and I'll talk to you soon. No worries at all, Adam. Talk to you soon, mate. Cheers.","paragraphs":[{"sentences":[{"text":"Good evening, Adam.","start":1.8399999,"end":2.72,"sentiment":"neutral","sentiment_score":0.23048770924409231},{"text":"It's Tommy here, senior adviser from.","start":2.72,"end":4.9,"sentiment":"neutral","sentiment_score":0.15171552449464798},{"text":"How are you doing?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.16441700235009193},{"text":"Mate, living a dream so far.","start":7.7599998,"end":9.2,"sentiment":"positive","sentiment_score":0.6664623121420542},{"text":"It's been a fantastic week.","start":9.2,"end":10.48,"sentiment":"positive","sentiment_score":0.842659080028534}],"sentiment":"positive","sentiment_score":0.43631223154564697,"num_words":24,"start":1.8399999,"end":10.48},{"sentences":[{"text":"Hope you all have been too.","start":10.48,"end":11.94,"sentiment":"positive","sentiment_score":0.6139290233453115},{"text":"Good.","start":14.135,"end":14.295,"sentiment":"positive","sentiment_score":0.45168083906173706},{"text":"Cool.","start":14.295,"end":14.795,"sentiment":"positive","sentiment_score":0.3871763050556183},{"text":"Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund.","start":15.014999,"end":21.735,"sentiment":"neutral","sentiment_score":0.08041554041530775},{"text":"Have you got a bit of time, Paul?","start":21.735,"end":23.355,"sentiment":"neutral","sentiment_score":0.03557642572559416}],"sentiment":"neutral","sentiment_score":0.17068205434733477,"num_words":39,"start":10.48,"end":23.355},{"sentences":[{"text":"Perfect.","start":25.974998,"end":26.375,"sentiment":"positive","sentiment_score":0.35330432653427124},{"text":"Perfect.","start":26.375,"end":26.775,"sentiment":"neutral","sentiment_score":0.23886658251285553},{"text":"So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you?","start":26.775,"end":33.55,"sentiment":"neutral","sentiment_score":0.037488620797241176},{"text":"Perfect.","start":35.37,"end":35.85,"sentiment":"neutral","sentiment_score":0.1884280741214752},{"text":"So I'm registered with ATHIC as adviser one two seven three one zero five.","start":35.85,"end":40.03,"sentiment":"neutral","sentiment_score":0.05958443108413901}],"sentiment":"neutral","sentiment_score":0.05970394954254681,"num_words":44,"start":25.974998,"end":40.03},{"sentences":[{"text":"Could you please confirm your date of birth and address for me?","start":40.25,"end":43.685,"sentiment":"neutral","sentiment_score":0.036235943591843046},{"text":"Sensational.","start":50.625,"end":51.125,"sentiment":"neutral","sentiment_score":0.06234218552708626},{"text":"Thank you very much for that.","start":51.505,"end":52.885002,"sentiment":"positive","sentiment_score":0.5324552406867346},{"text":"Mate, what I wanted to kinda go through with you today was just a a few options that I was kind of looking at for you.","start":53.265,"end":60.51,"sentiment":"neutral","sentiment_score":0.11659313681033942},{"text":"Now when it comes to the self funded super fund, I believe you kind of just rolled that across pretty recently, and I believe you've managed to get into the old property in the super before the the cutoff with the legislation.","start":60.649998,"end":74.485,"sentiment":"neutral","sentiment_score":0.02921847662045842}],"sentiment":"neutral","sentiment_score":0.09138508652732975,"num_words":87,"start":40.25,"end":74.485},{"sentences":[{"text":"Perfect.","start":76.945,"end":77.425,"sentiment":"neutral","sentiment_score":0.158616304397583},{"text":"Perfect.","start":77.425,"end":77.825,"sentiment":"neutral","sentiment_score":0.142755389213562},{"text":"So what's kind of left at the moment is you've got about seven, eight hundred sitting in the Netwealth account.","start":77.825,"end":83.7,"sentiment":"neutral","sentiment_score":0.025243313889950512},{"text":"Since the rollout, you've had some contributions and distributions go in there.","start":84.259995,"end":89.24,"sentiment":"neutral","sentiment_score":0.006704161137652894},{"text":"So it's starting to build up at the moment, and you do have that insurance policy sitting there attached to that account as well.","start":89.38,"end":97.56,"sentiment":"neutral","sentiment_score":0.01016163220629096}],"sentiment":"neutral","sentiment_score":0.01949253582780988,"num_words":58,"start":76.945,"end":97.56},{"sentences":[{"text":"So first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward.","start":98.42,"end":107.335,"sentiment":"neutral","sentiment_score":0.0009451208241058119},{"text":"Yep.","start":114.435,"end":114.72,"sentiment":"neutral","sentiment_score":0.06170899420976639},{"text":"Cool.","start":120.72,"end":120.96,"sentiment":"neutral","sentiment_score":0.20026595890522003},{"text":"Cool.","start":120.96,"end":121.28,"sentiment":"neutral","sentiment_score":0.08621423691511154},{"text":"So a couple of things I need to run through with you as well just because my job as senior adviser is just to walk you through your options here.","start":121.28,"end":128.9,"sentiment":"neutral","sentiment_score":0.05746904518455267}],"sentiment":"neutral","sentiment_score":0.03187044746609348,"num_words":66,"start":98.42,"end":128.9},{"sentences":[{"text":"Now normally when just a bit of a background.","start":129.36,"end":132.125,"sentiment":"neutral","sentiment_score":0.007834640848967764},{"text":"When I do self managed super fund advice, what we tend to do for our clients is we would set them up with, like, the bank account that you've already got for all the money to go in so you can purchase the property and pay for the loans and everything.","start":132.425,"end":147.2,"sentiment":"neutral","sentiment_score":0.06896858680628094},{"text":"And then alongside that, you kinda need something super wide, either through the self managed super fund or through your standard super just to kind of grow everything alongside it.","start":147.42,"end":158.705,"sentiment":"neutral","sentiment_score":0.06264626445869605},{"text":"Because, obviously, not all the money is gonna be used for the property.","start":158.705,"end":161.66501,"sentiment":"neutral","sentiment_score":-0.041168869544680305},{"text":"Right?","start":161.66501,"end":162.16501,"sentiment":"neutral","sentiment_score":0.035203564912080765}],"sentiment":"neutral","sentiment_score":0.04776255662839573,"num_words":104,"start":129.36,"end":162.16501},{"sentences":[{"text":"Absolutely.","start":164.38501,"end":164.88501,"sentiment":"neutral","sentiment_score":0.231936514377594},{"text":"So there's a few ways you can kinda do it, and then we'll kind of break it down in a bit more depth together.","start":165.345,"end":171.02,"sentiment":"neutral","sentiment_score":0.11899427603930235},{"text":"So you've got the Neos insurances coming out of Netwealth at the moment.","start":171.31999,"end":175.66,"sentiment":"neutral","sentiment_score":0.10161804522459324},{"text":"Now those insurances, they can come out of a self managed super fund bank account, so you can actually have the self managed super fund own the policy.","start":176.2,"end":186.235,"sentiment":"neutral","sentiment_score":0.11479545224990163},{"text":"So it can either come out of a net wealth.","start":186.69499,"end":188.635,"sentiment":"neutral","sentiment_score":0.11079027354717255}],"sentiment":"neutral","sentiment_score":0.11488169902249386,"num_words":76,"start":164.38501,"end":188.635},{"sentences":[{"text":"It can come out of the SMSF.","start":188.69499,"end":190.155,"sentiment":"neutral","sentiment_score":0.1350128384573119},{"text":"You can even have a net wealth account owned by the SMSF as well if you like.","start":191.33499,"end":195.45,"sentiment":"neutral","sentiment_score":0.16223087819183574},{"text":"And then it can also come out of any other super fund because it is like an enduring rollover.","start":196.33,"end":201.31,"sentiment":"neutral","sentiment_score":0.10944228344842007},{"text":"They can take the premiums out of most any fund as well.","start":201.53,"end":204.67,"sentiment":"neutral","sentiment_score":0.11570520233362913},{"text":"Now what I'm sort of thinking with it at the moment is with Netwealth, it's a fantastic platform because it has just so many investment options.","start":208.17,"end":216.085,"sentiment":"neutral","sentiment_score":0.2778560069318001}],"sentiment":"neutral","sentiment_score":0.17771773817546574,"num_words":81,"start":188.69499,"end":216.085},{"sentences":[{"text":"But my only main concern at the moment is they have pretty high, like, flat account keeping fee.","start":216.38501,"end":223.38,"sentiment":"negative","sentiment_score":-0.46040558483865524},{"text":"So, normally, you go into a NetWell or a hub or what we call a wrap platform if you've got about a 100 to 200,000 minimum just because you've got all these flat fees coming out of it.","start":223.76,"end":236.055,"sentiment":"neutral","sentiment_score":-0.18466674742337905},{"text":"So it has been building up pretty well, but there's a solid upwards of $700 a year that comes out of it in fees, which is about a tenth of your account balance at the moment.","start":236.295,"end":248.1,"sentiment":"negative","sentiment_score":-0.33564092136091656},{"text":"So what my concern is with is this account isn't really suitable for the low balance.","start":250.98001,"end":256.2,"sentiment":"negative","sentiment_score":-0.4129311125725508},{"text":"It's suitable for the more higher balances as well.","start":256.42,"end":259.32,"sentiment":"neutral","sentiment_score":-0.29189763632085586}],"sentiment":"neutral","sentiment_score":-0.3130058686002197,"num_words":117,"start":216.38501,"end":259.32},{"sentences":[{"text":"Normally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well.","start":259.94,"end":268.625,"sentiment":"neutral","sentiment_score":-0.15396660476019888},{"text":"So I just wanted to kind of run that by you as well.","start":268.625,"end":271.20502,"sentiment":"neutral","sentiment_score":0.11181725618930963},{"text":"K?","start":273.345,"end":273.845,"sentiment":"neutral","sentiment_score":-0.01446295902132988},{"text":"With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment.","start":274.86502,"end":280.8,"sentiment":"neutral","sentiment_score":-0.15825249291956425},{"text":"There's only a couple left.","start":280.8,"end":282.18,"sentiment":"neutral","sentiment_score":-0.11740085184574127}],"sentiment":"neutral","sentiment_score":-0.10269153754537304,"num_words":72,"start":259.94,"end":282.18},{"sentences":[{"text":"You've got a bit of international shares, a bit of gold there as well.","start":282.31998,"end":287.46,"sentiment":"neutral","sentiment_score":-0.05860315848674093},{"text":"There's not like a like a full portfolio like we had before.","start":288.08,"end":292.695,"sentiment":"neutral","sentiment_score":-0.23742078493038812},{"text":"So, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point.","start":292.695,"end":302.535,"sentiment":"neutral","sentiment_score":-0.05680282359882709},{"text":"Does that make sense?","start":302.535,"end":303.42,"sentiment":"neutral","sentiment_score":0.00006726803258061409},{"text":"So I guess my question at the moment is we don't normally look after that account balance as it is because we're we're just not allowed to charge fees as advisers below sort of that 50 to 80,000 mark as well just because our fees are gonna stop the super from growing as well on top of those account keeping fit.","start":305.34003,"end":326.955,"sentiment":"neutral","sentiment_score":-0.24790616480053448}],"sentiment":"neutral","sentiment_score":-0.16846219795282746,"num_words":122,"start":282.31998,"end":326.955},{"sentences":[{"text":"So just based on yeah.","start":329.575,"end":333.01,"sentiment":"neutral","sentiment_score":-0.025807293504476546},{"text":"Well, that's what I'm sort of thinking because, like, you can build it up.","start":333.01,"end":336.21002,"sentiment":"neutral","sentiment_score":-0.045334749189870696},{"text":"And the thing to be wary of is you kinda need that 9 to $10 in there for the insurances and just for the the minimums for the fees and everything.","start":336.21002,"end":346.47,"sentiment":"neutral","sentiment_score":-0.30219333066094306},{"text":"You might be better off moving it around somewhere where it's not getting eaten up with fees alongside that property.","start":347.365,"end":354.185,"sentiment":"negative","sentiment_score":-0.34980294331908224},{"text":"Yeah.","start":364.51,"end":364.83,"sentiment":"neutral","sentiment_score":0.17924578487873075}],"sentiment":"neutral","sentiment_score":-0.23871168011510877,"num_words":71,"start":329.575,"end":364.83},{"sentences":[{"text":"And I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate.","start":364.83,"end":370.43,"sentiment":"neutral","sentiment_score":0.17816333267195472},{"text":"Just do this, and I'll sort you out.","start":370.43,"end":371.925,"sentiment":"neutral","sentiment_score":0.18915245309472084},{"text":"I wanna make sure we're doing right by you, whichever way that is.","start":372.485,"end":375.865,"sentiment":"neutral","sentiment_score":0.24922780234080094},{"text":"So, again, I'll kind of maybe send you a quick email, but the options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund.","start":376.805,"end":387.7,"sentiment":"neutral","sentiment_score":0.16426355205476284},{"text":"And with Netwealth, there is some high fees until you build it back up again.","start":388.48,"end":393.14,"sentiment":"neutral","sentiment_score":-0.22049758583307266}],"sentiment":"neutral","sentiment_score":0.12401922563515087,"num_words":101,"start":364.83,"end":393.14},{"sentences":[{"text":"The other thing I wanna just quickly run by you is just the policy that you've got yourself through Neon.","start":393.84003,"end":400.455,"sentiment":"neutral","sentiment_score":0.30778883323073386},{"text":"Have you do you remember the last time you kind of reviewed it?","start":401.23502,"end":404.455,"sentiment":"neutral","sentiment_score":0.11583069368050648},{"text":"Yeah.","start":408.435,"end":408.835,"sentiment":"neutral","sentiment_score":0.1897357702255249},{"text":"So I'm gonna send you through your certificate of currency, which just breaks down all the covers that you've got and the premiums associated with them, just so you know kind of what you've got there as well, if that's okay.","start":408.835,"end":420.73,"sentiment":"neutral","sentiment_score":0.30025165582575447},{"text":"Now last couple of things I wanted to run by you is the next anniversary isn't until October.","start":422.71,"end":428.585,"sentiment":"neutral","sentiment_score":0.15452212053868505}],"sentiment":"neutral","sentiment_score":0.24669922055095755,"num_words":93,"start":393.84003,"end":428.585},{"sentences":[{"text":"So you've got a few months until that comes due again.","start":429.525,"end":432.88498,"sentiment":"neutral","sentiment_score":0.09993766315958717},{"text":"So it gives you a little bit of time to sort of sort out what we're doing with it all.","start":432.88498,"end":436.34497,"sentiment":"neutral","sentiment_score":0.23166656717658043},{"text":"But when October comes, the premium is gonna jump up again.","start":437.525,"end":442.0,"sentiment":"neutral","sentiment_score":0.04958817227320238},{"text":"And what I'm seeing here is that the the premiums are currently just shy of 9,000, and it wouldn't surprise me if it crepes over 10,000 in October.","start":443.58,"end":453.52,"sentiment":"neutral","sentiment_score":0.1405596953949758},{"text":"So quite hefty.","start":456.755,"end":457.895,"sentiment":"neutral","sentiment_score":0.20715213815371195}],"sentiment":"neutral","sentiment_score":0.14842799203853085,"num_words":73,"start":429.525,"end":457.895},{"sentences":[{"text":"I just wanted to quickly break down what you've got.","start":459.155,"end":461.475,"sentiment":"neutral","sentiment_score":0.22852426916360855},{"text":"So you've got 650,000 worth of life insurance and total disability insurance.","start":461.475,"end":468.99,"sentiment":"neutral","sentiment_score":0.1699277777224779},{"text":"That's like your lump sum.","start":469.06998,"end":470.43,"sentiment":"neutral","sentiment_score":0.058816385269165036},{"text":"You passed away.","start":470.43,"end":471.55,"sentiment":"negative","sentiment_score":-0.533851166566213},{"text":"You never work again.","start":471.55,"end":472.77,"sentiment":"negative","sentiment_score":-0.5078061670064926}],"sentiment":"neutral","sentiment_score":0.028990581850795186,"num_words":34,"start":459.155,"end":472.77},{"sentences":[{"text":"Here's a bit over a mill sorry, 0.5 a mill.","start":472.91,"end":475.49,"sentiment":"neutral","sentiment_score":0.06305174976587295},{"text":"So you kind of pay off the mortgage and things like that.","start":475.55,"end":478.69,"sentiment":"neutral","sentiment_score":0.14466306567192078},{"text":"You've also got the biggest price that you've got is the income protection.","start":479.63,"end":483.56998,"sentiment":"positive","sentiment_score":0.3744927312319095},{"text":"So that's covering you for 6,178 a month worth of cover that you would get.","start":486.315,"end":493.055,"sentiment":"neutral","sentiment_score":0.28676731089750923},{"text":"If you were out of work for thirteen weeks, it would kick in monthly for up to five years.","start":493.51498,"end":499.55,"sentiment":"neutral","sentiment_score":-0.015513309914814798}],"sentiment":"neutral","sentiment_score":0.16292226908431537,"num_words":69,"start":472.91,"end":499.55},{"sentences":[{"text":"Now what that kind of does, that's protecting an income of about 98,000 on paper.","start":500.25,"end":506.51,"sentiment":"neutral","sentiment_score":0.22398940622806549},{"text":"When I'm looking at your details that we've got on file, I noted that you were doing, sorry, concrete in work, but you were also kind of the director and owner of the business.","start":511.195,"end":521.755,"sentiment":"neutral","sentiment_score":-0.001229568658506169},{"text":"Is that right?","start":521.755,"end":522.315,"sentiment":"neutral","sentiment_score":0.003361988036582867},{"text":"BMD?","start":522.315,"end":522.815,"sentiment":"neutral","sentiment_score":-0.0048803649842739105},{"text":"Okay.","start":528.05,"end":528.55,"sentiment":"neutral","sentiment_score":-0.00386907160282135}],"sentiment":"neutral","sentiment_score":0.0614698571584153,"num_words":54,"start":500.25,"end":528.55},{"sentences":[{"text":"And you say that one again.","start":528.69,"end":532.85004,"sentiment":"neutral","sentiment_score":-0.0028791976316521564},{"text":"Sorry.","start":532.85004,"end":533.17,"sentiment":"neutral","sentiment_score":-0.020542724058032036},{"text":"Industry the industries.","start":533.17,"end":537.91003,"sentiment":"neutral","sentiment_score":-0.007829923493166765},{"text":"Perfect.","start":541.005,"end":541.505,"sentiment":"neutral","sentiment_score":0.3058623969554901},{"text":"That's one that you own.","start":541.885,"end":543.185,"sentiment":"neutral","sentiment_score":0.20297660827636718}],"sentiment":"neutral","sentiment_score":0.07871485987561755,"num_words":16,"start":528.69,"end":543.185},{"sentences":[{"text":"And I do see contributions coming in.","start":543.565,"end":545.805,"sentiment":"neutral","sentiment_score":0.0794270331306117},{"text":"Is that coming from BND, or is that you you're sort of paying yourself wages and super out of the half?","start":545.805,"end":550.53,"sentiment":"neutral","sentiment_score":0.02975144432414146},{"text":"Yep.","start":557.17004,"end":557.67004,"sentiment":"neutral","sentiment_score":0.056479405611753464},{"text":"Okay.","start":557.73004,"end":558.23004,"sentiment":"neutral","sentiment_score":0.05882863700389862},{"text":"That's labor hire.","start":558.29004,"end":559.43005,"sentiment":"neutral","sentiment_score":0.05802275985479355}],"sentiment":"neutral","sentiment_score":0.04454987530003895,"num_words":33,"start":543.565,"end":559.43005},{"sentences":[{"text":"That's what's coming in there.","start":559.81006,"end":561.35004,"sentiment":"neutral","sentiment_score":0.056074777990579604},{"text":"And you know how we've just kind of gone past the end of financial year?","start":562.05005,"end":565.105,"sentiment":"neutral","sentiment_score":0.00015743095427751553},{"text":"Do you know what you kind of ended up on income wise for the last twelve months?","start":565.105,"end":570.08496,"sentiment":"neutral","sentiment_score":-0.00797574654878939},{"text":"Yep.","start":574.385,"end":574.70496,"sentiment":"neutral","sentiment_score":0.047862883657217026},{"text":"No worries.","start":574.70496,"end":575.445,"sentiment":"neutral","sentiment_score":0.06668287888169289}],"sentiment":"neutral","sentiment_score":0.0082094076089561,"num_words":40,"start":559.81006,"end":575.445},{"sentences":[{"text":"Just because, again, if you cover the 98,000, but you're only at 50, then you'd be over insured.","start":575.94,"end":581.0,"sentiment":"neutral","sentiment_score":-0.0027434881776571274},{"text":"If you earn a $150, well, then you're you're under insured or it's covered for that maximum amount.","start":581.22003,"end":588.42004,"sentiment":"neutral","sentiment_score":0.010676008407446917},{"text":"So I'll send through the certificate of currency there and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner.","start":588.42004,"end":599.345,"sentiment":"neutral","sentiment_score":0.0379591783365378},{"text":"Cool.","start":601.805,"end":602.305,"sentiment":"neutral","sentiment_score":0.1814335733652115},{"text":"Is there anything that I can kind of help with at the moment?","start":602.445,"end":605.32495,"sentiment":"neutral","sentiment_score":0.07653832177703197}],"sentiment":"neutral","sentiment_score":0.031456461525031655,"num_words":89,"start":575.94,"end":605.32495},{"sentences":[{"text":"Any questions at this point?","start":605.32495,"end":606.6,"sentiment":"neutral","sentiment_score":0.01901446022093296},{"text":"That'd be perfect.","start":621.755,"end":622.635,"sentiment":"positive","sentiment_score":0.5433833797772726},{"text":"And then from there, I'm more than happy to have another chat with you guys and just kinda work out what we can do and best option for you.","start":622.635,"end":630.095,"sentiment":"positive","sentiment_score":0.4592544158984875},{"text":"Beautiful, mate.","start":632.235,"end":632.955,"sentiment":"positive","sentiment_score":0.5858090817928314},{"text":"Thank you so much for your time tonight.","start":632.955,"end":634.39496,"sentiment":"positive","sentiment_score":0.8730798289179802}],"sentiment":"positive","sentiment_score":0.49361398503025794,"num_words":47,"start":605.32495,"end":634.39496},{"sentences":[{"text":"Keep an ear out for that email, and I'll talk to you soon.","start":634.39496,"end":637.31696,"sentiment":"positive","sentiment_score":0.454664592559521},{"text":"No worries at all, Adam.","start":640.277,"end":641.23694,"sentiment":"neutral","sentiment_score":0.3296889096498489},{"text":"Talk to you soon, mate.","start":641.23694,"end":642.0369,"sentiment":"positive","sentiment_score":0.42354263067245485},{"text":"Cheers.","start":642.0369,"end":642.5369,"sentiment":"positive","sentiment_score":0.6226345300674438}],"sentiment":"positive","sentiment_score":0.42914299728969735,"num_words":24,"start":634.39496,"end":642.5369}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. Yourself? Yeah. Not too bad, buddy. Yeah, mate. I was gonna be. Yeah. That's fine, mate. 14118120 Summer Lane Circuit, Canva, ACT. Yep. Oh, okay. I'll keep digging into it, mate. I'll keep I'll keep adding to it while I'm while I'm working, obviously. Yep. So, yeah, I'll I'll I'll start building it. I'll just start putting it back up. Yep. Right. Okay. Right. Okay. Yep. Right. So what are you saying? Move move it somewhere? Right. Alright. Well, I'll I'll have a talk to my partner about it, and we'll work out a solution to to what what to do next. Yep. Right. It's been a while. Yes. Right. Okay. Yep. Okay. BMD, I was only an employee for I was I am star I am Star Industries. Star Industries. Yeah. S t a r. Next. That should that should be from DAS Labor Hire. I'll finish with DMD. The job's finished. Mate, I'll have to have a look on myGov. Right. Okay. No dramas. Not really, mate. I'll I'll send that stuff through, and I'll I'll I'll go through it with her, and I'll I'll I'll I'll get a couple of questions together to to find out anything else that I need to find out. Too easy. No worries. Thanks so much for the call. Yeah, buddy. 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Industries.","start":534.56,"end":535.3,"sentiment":"neutral","sentiment_score":-0.013012340292334557}],"sentiment":"neutral","sentiment_score":0.0022533821341182503,"num_words":21,"start":455.205,"end":535.3},{"sentences":[{"text":"Yeah.","start":538.415,"end":538.65497,"sentiment":"neutral","sentiment_score":0.01013539545238018},{"text":"S t a r.","start":538.65497,"end":539.875,"sentiment":"neutral","sentiment_score":0.013222318142652512},{"text":"Next.","start":549.935,"end":550.35,"sentiment":"neutral","sentiment_score":0.02024658210575581},{"text":"That should that should be from DAS Labor Hire.","start":550.43,"end":553.17,"sentiment":"neutral","sentiment_score":0.05452539316482014},{"text":"I'll finish with DMD.","start":554.02997,"end":555.31,"sentiment":"neutral","sentiment_score":0.04952812381088734}],"sentiment":"neutral","sentiment_score":0.04063748862398298,"num_words":19,"start":538.415,"end":555.31},{"sentences":[{"text":"The job's finished.","start":555.31,"end":556.29,"sentiment":"neutral","sentiment_score":0.0626013030608495},{"text":"Mate, I'll have to have a look on myGov.","start":570.875,"end":572.735,"sentiment":"neutral","sentiment_score":0.0009896428220801884},{"text":"Right.","start":591.8,"end":592.3,"sentiment":"neutral","sentiment_score":0.04039704799652099},{"text":"Okay.","start":600.035,"end":600.535,"sentiment":"neutral","sentiment_score":0.10269320756196976},{"text":"No dramas.","start":601.955,"end":602.77496,"sentiment":"neutral","sentiment_score":0.060754421167075634}],"sentiment":"neutral","sentiment_score":0.028831862029619515,"num_words":16,"start":555.31,"end":602.77496},{"sentences":[{"text":"Not really, mate.","start":607.61,"end":608.41,"sentiment":"neutral","sentiment_score":-0.04772277300556501},{"text":"I'll I'll send that stuff through, and I'll I'll I'll go through it with her, and I'll I'll I'll I'll get a couple of questions together to to find out anything else that I need to find out.","start":608.41,"end":620.745,"sentiment":"neutral","sentiment_score":0.053110839063791854},{"text":"Too easy.","start":630.425,"end":631.245,"sentiment":"positive","sentiment_score":0.4118642061948776},{"text":"No worries.","start":637.64,"end":638.2,"sentiment":"positive","sentiment_score":0.35342568159103394},{"text":"Thanks so much for the call.","start":638.2,"end":639.58,"sentiment":"positive","sentiment_score":0.7809820473194122}],"sentiment":"neutral","sentiment_score":0.1586571691156018,"num_words":51,"start":607.61,"end":639.58},{"sentences":[{"text":"Yeah, buddy.","start":642.76,"end":643.4,"sentiment":"positive","sentiment_score":0.40694551169872284},{"text":"Bye.","start":643.4,"end":643.9,"sentiment":"neutral","sentiment_score":-0.12364856153726578}],"sentiment":"neutral","sentiment_score":0.23008082062005997,"num_words":3,"start":642.76,"end":643.9}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good evening, Adam. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: Mate, living a dream so far. It's been a fantastic week. Hope you all have been too.\n\nChannel 1: Yeah. Not too bad, buddy.\n\nChannel 0: Good. Cool. Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund. Have you got a bit of time, Paul?\n\nChannel 1: Yeah, mate. I was gonna be.\n\nChannel 0: Perfect. Perfect. So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you?\n\nChannel 1: Yeah. That's fine, mate.\n\nChannel 0: Perfect. So I'm registered with ATHIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address for me?\n\nChannel 1: 14118120 Summer Lane Circuit, Canva, ACT.\n\nChannel 0: Sensational. Thank you very much for that. Mate, what I wanted to kinda go through with you today was just a a few options that I was kind of looking at for you. Now when it comes to the self funded super fund, I believe you kind of just rolled that across pretty recently, and I believe you've managed to get into the old property in the super before the the cutoff with the legislation.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. So what's kind of left at the moment is you've got about seven, eight hundred sitting in the Netwealth account. Since the rollout, you've had some contributions and distributions go in there. So it's starting to build up at the moment, and you do have that insurance policy sitting there attached to that account as well.\n\nSo first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward.\n\nChannel 1: Oh, okay. I'll keep digging into it, mate. I'll keep I'll keep adding to it while I'm while I'm working, obviously.\n\nChannel 0: Yep.\n\nChannel 1: Yep. So, yeah, I'll I'll I'll start building it. I'll just start putting it back up.\n\nChannel 0: Cool. Cool. So a couple of things I need to run through with you as well just because my job as senior adviser is just to walk you through your options here. Now normally when just a bit of a background. When I do self managed super fund advice, what we tend to do for our clients is we would set them up with, like, the bank account that you've already got for all the money to go in so you can purchase\n\nChannel 1: Yep.\n\nChannel 0: the property and pay for the loans and everything. And then alongside that, you kinda need something super wide, either through the self managed super fund or through your standard super just to kind of grow everything alongside it. Because, obviously, not all the money is gonna be used for the property. Right?\n\nChannel 1: Right.\n\nChannel 0: Absolutely. So there's a few ways you can kinda do it, and then we'll kind of break it down in a bit more depth together. So you've got the Neos insurances coming out of Netwealth at the moment. Now those insurances, they can come out of a self managed super fund bank account, so you can actually have the self managed super fund own the policy. So it can either come out of a net wealth.\n\nIt can come out of the SMSF. You can even have a net wealth account owned by the SMSF as well if you like. And then it can also come out of any other super fund because it is like an enduring rollover. They can take the premiums out of most any fund as well.\n\nChannel 1: Okay.\n\nChannel 0: Now what I'm sort of thinking with it at the moment is with Netwealth, it's a fantastic platform because it has just so many investment options. But my only main concern at the moment is they have pretty high, like, flat account keeping fee. So, normally, you go into a NetWell or a hub or what we call a wrap platform if you've got about a 100 to 200,000 minimum just because you've got all these flat fees coming out of it. So it has been building up pretty well, but there's a solid upwards of $700 a year that comes out of it in fees, which is about a tenth of your account balance at the moment.\n\nChannel 1: Right.\n\nChannel 0: So what my concern is with is this account isn't really suitable for the low balance. It's suitable for the more higher balances as well. Normally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well. So I just wanted to kind of run that by you as well.\n\nChannel 1: Okay.\n\nChannel 0: K? With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment. There's only a couple left. You've got a bit of international shares, a bit of gold there as well. There's not like a like a full portfolio like we had before.\n\nSo, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So I guess my question at the moment is we don't normally look after that account balance as it is because we're we're just not allowed to charge fees as advisers below sort of that 50 to 80,000 mark as well just because our fees are gonna stop the super from growing as well on top of those account keeping fit.\n\nChannel 1: Right. So what\n\nChannel 0: So\n\nChannel 1: are you saying?\n\nChannel 0: just\n\nChannel 1: Move\n\nChannel 0: based on\n\nChannel 1: move it somewhere?\n\nChannel 0: yeah. Well, that's what I'm sort of thinking because, like, you can build it up. And the thing to be wary of is you kinda need that 9 to $10 in there for the insurances and just for the the minimums for the fees and everything. You might be better off moving it around somewhere where it's not getting eaten up with fees alongside that property.\n\nChannel 1: Right. Alright. Well, I'll I'll have a talk to my partner about it, and we'll work out a solution to to what what to do next.\n\nChannel 0: Yeah. And I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate. Just do this, and I'll sort you out. I wanna make sure we're doing right by you, whichever way that is. So, again, I'll kind of maybe send you a quick email, but the\n\nChannel 1: Yep.\n\nChannel 0: options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund. And with Netwealth, there is some high fees until you build it back up again.\n\nChannel 1: Right.\n\nChannel 0: The other thing I wanna just quickly run by you is just the policy that you've got yourself through Neon. Have you do you remember the last time you kind of reviewed it?\n\nChannel 1: It's been a while.\n\nChannel 0: Yeah. So I'm gonna send you through your certificate of currency, which just breaks down all the covers that you've got and the premiums associated with them, just so you know kind of what you've got there as well, if that's okay.\n\nChannel 1: Yes.\n\nChannel 0: Now last couple of things I wanted to run by you is the next anniversary isn't until October. So you've got a few months until that comes due again. So it gives you a little bit of time to sort of sort out what we're doing with it all. But when October comes, the premium is gonna jump up again.\n\nChannel 1: Right.\n\nChannel 0: And what I'm seeing here is that the the premiums are currently just shy of 9,000, and it wouldn't surprise me if it crepes over 10,000 in October.\n\nChannel 1: Okay.\n\nChannel 0: So quite hefty. I just wanted to quickly break down what you've got. So you've got 650,000 worth of life insurance and total\n\nChannel 1: Yep.\n\nChannel 0: disability insurance. That's like your lump sum. You passed away. You never work again. Here's a bit over a mill sorry, 0.5 a mill.\n\nSo you kind of pay off the mortgage and things like that. You've also got the biggest price that you've got is the income protection. So that's covering you for 6,178 a month worth of cover that you would get. If you were out of work for thirteen weeks, it would kick in monthly for up to five years. Now what that kind of does, that's protecting an income of about 98,000 on paper.\n\nChannel 1: Okay.\n\nChannel 0: When I'm looking at your details that we've got on file, I noted that you were doing, sorry, concrete in work, but you were also kind of the director and owner of the business. Is that right? BMD?\n\nChannel 1: BMD, I was only an employee for I was\n\nChannel 0: Okay.\n\nChannel 1: I am star\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: am Star Industries.\n\nChannel 0: say that one again. Sorry. Industry\n\nChannel 1: Star Industries.\n\nChannel 0: the industries.\n\nChannel 1: Yeah. S t a r.\n\nChannel 0: Perfect. That's one that you own. And I do see contributions coming in. Is that coming from BND, or is that you you're sort of paying yourself wages and super out\n\nChannel 1: Next.\n\nChannel 0: of the half?\n\nChannel 1: That should that should be from DAS Labor Hire. I'll finish with DMD. The job's finished.\n\nChannel 0: Yep. Okay. That's labor hire. That's what's coming in there. And you know how we've just kind of gone past the end of financial year?\n\nDo you know what you kind of ended up on income wise for the last twelve months?\n\nChannel 1: Mate, I'll have to have a look on myGov.\n\nChannel 0: Yep. No worries. Just because, again, if you cover the 98,000, but you're only at 50, then you'd be over insured. If you earn a $150, well, then you're you're under insured or it's covered for that maximum amount. So I'll send through the certificate of currency there\n\nChannel 1: Right.\n\nChannel 0: and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner.\n\nChannel 1: Okay.\n\nChannel 0: Cool.\n\nChannel 1: No dramas.\n\nChannel 0: Is there anything that I can kind of help with at the moment? Any questions at this point?\n\nChannel 1: Not really, mate. I'll I'll send that stuff through, and I'll I'll I'll go through it with her, and I'll I'll I'll I'll get a couple of questions together to to find out anything else that I need to find out.\n\nChannel 0: That'd be perfect. And then from there, I'm more than happy to have another chat with you guys and just kinda work out what we can do and best option for you.\n\nChannel 1: Too easy.\n\nChannel 0: Beautiful, mate. Thank you so much for your time tonight. Keep an ear out for that email, and I'll talk to you soon.\n\nChannel 1: No worries. Thanks so much for the call.\n\nChannel 0: No worries at all, Adam. Talk to you soon, mate. Cheers.\n\nChannel 1: Yeah, buddy. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.029604073613882065}],"sentiment":"neutral","sentiment_score":0.029604073613882065,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Good evening, Adam.","start":1.8399999,"end":2.72,"sentiment":"neutral","sentiment_score":0.23048770924409231},{"text":"It's Tommy here, senior adviser from.","start":2.72,"end":4.9,"sentiment":"neutral","sentiment_score":0.15171552449464798},{"text":"How are you doing?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.16441700235009193}],"sentiment":"neutral","sentiment_score":0.17380186800773328,"channel":0,"num_words":13,"start":1.8399999,"end":5.8599997},{"sentences":[{"text":"Good.","start":6.24,"end":6.3999996,"sentiment":"positive","sentiment_score":0.40936553478240967},{"text":"Thanks.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.5376683473587036},{"text":"Yourself?","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.2807040810585022}],"sentiment":"positive","sentiment_score":0.40924598773320514,"channel":1,"num_words":3,"start":6.24,"end":7.14},{"sentences":[{"text":"Mate, living a dream so far.","start":7.7599998,"end":9.2,"sentiment":"positive","sentiment_score":0.6664623121420542},{"text":"It's been a fantastic week.","start":9.2,"end":10.48,"sentiment":"positive","sentiment_score":0.842659080028534},{"text":"Hope you all have been too.","start":10.48,"end":11.94,"sentiment":"positive","sentiment_score":0.6139290233453115}],"sentiment":"positive","sentiment_score":0.6997437301804038,"channel":0,"num_words":17,"start":7.7599998,"end":11.94},{"sentences":[{"text":"Yeah.","start":12.16,"end":12.4,"sentiment":"neutral","sentiment_score":0.25385797023773193},{"text":"Not too bad, buddy.","start":12.4,"end":13.54,"sentiment":"neutral","sentiment_score":0.324517197906971}],"sentiment":"neutral","sentiment_score":0.31038535237312315,"channel":1,"num_words":5,"start":12.16,"end":13.54},{"sentences":[{"text":"Good.","start":14.135,"end":14.295,"sentiment":"positive","sentiment_score":0.45168083906173706},{"text":"Cool.","start":14.295,"end":14.795,"sentiment":"positive","sentiment_score":0.3871763050556183},{"text":"Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund.","start":15.014999,"end":21.735,"sentiment":"neutral","sentiment_score":0.08041554041530775},{"text":"Have you got a bit of time, Paul?","start":21.735,"end":23.355,"sentiment":"neutral","sentiment_score":0.03557642572559416}],"sentiment":"neutral","sentiment_score":0.09009169634770263,"channel":0,"num_words":33,"start":14.135,"end":23.355},{"sentences":[{"text":"Yeah, mate.","start":23.605,"end":24.324999,"sentiment":"neutral","sentiment_score":0.056487107649445534},{"text":"I was gonna be.","start":24.324999,"end":25.305,"sentiment":"neutral","sentiment_score":0.07530575711280107}],"sentiment":"neutral","sentiment_score":0.06903287395834923,"channel":1,"num_words":6,"start":23.605,"end":25.305},{"sentences":[{"text":"Perfect.","start":25.974998,"end":26.375,"sentiment":"positive","sentiment_score":0.35330432653427124},{"text":"Perfect.","start":26.375,"end":26.775,"sentiment":"neutral","sentiment_score":0.23886658251285553},{"text":"So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you?","start":26.775,"end":33.55,"sentiment":"neutral","sentiment_score":0.037488620797241176}],"sentiment":"neutral","sentiment_score":0.05532288519215995,"channel":0,"num_words":29,"start":25.974998,"end":33.55},{"sentences":[{"text":"Yeah.","start":33.55,"end":33.79,"sentiment":"neutral","sentiment_score":0.05902259796857834},{"text":"That's fine, mate.","start":33.79,"end":34.85,"sentiment":"neutral","sentiment_score":0.1879007120927175}],"sentiment":"neutral","sentiment_score":0.1556811835616827,"channel":1,"num_words":4,"start":33.55,"end":34.85},{"sentences":[{"text":"Perfect.","start":35.37,"end":35.85,"sentiment":"neutral","sentiment_score":0.1884280741214752},{"text":"So I'm registered with ATHIC as adviser one two seven three one zero five.","start":35.85,"end":40.03,"sentiment":"neutral","sentiment_score":0.05958443108413901},{"text":"Could you please confirm your date of birth and address for me?","start":40.25,"end":43.685,"sentiment":"neutral","sentiment_score":0.036235943591843046}],"sentiment":"neutral","sentiment_score":0.05397931231116807,"channel":0,"num_words":27,"start":35.37,"end":43.685},{"sentences":[{"text":"14118120 Summer Lane Circuit, Canva, ACT.","start":44.815002,"end":48.595,"sentiment":"neutral","sentiment_score":0.011904391382510463}],"sentiment":"neutral","sentiment_score":0.011904391382510463,"channel":1,"num_words":6,"start":44.815002,"end":48.595},{"sentences":[{"text":"Sensational.","start":50.625,"end":51.125,"sentiment":"neutral","sentiment_score":0.06234218552708626},{"text":"Thank you very much for that.","start":51.505,"end":52.885002,"sentiment":"positive","sentiment_score":0.5324552406867346},{"text":"Mate, what I wanted to kinda go through with you today was just a a few options that I was kind of looking at for you.","start":53.265,"end":60.51,"sentiment":"neutral","sentiment_score":0.11659313681033942},{"text":"Now when it comes to the self funded super fund, I believe you kind of just rolled that across pretty recently, and I believe you've managed to get into the old property in the super before the the cutoff with the legislation.","start":60.649998,"end":74.485,"sentiment":"neutral","sentiment_score":0.02921847662045842}],"sentiment":"neutral","sentiment_score":0.10020894939700763,"channel":0,"num_words":75,"start":50.625,"end":74.485},{"sentences":[{"text":"Yep.","start":75.405,"end":75.905,"sentiment":"neutral","sentiment_score":0.08478665351867676}],"sentiment":"neutral","sentiment_score":0.08478665351867676,"channel":1,"num_words":1,"start":75.405,"end":75.905},{"sentences":[{"text":"Perfect.","start":76.945,"end":77.425,"sentiment":"neutral","sentiment_score":0.158616304397583},{"text":"Perfect.","start":77.425,"end":77.825,"sentiment":"neutral","sentiment_score":0.142755389213562},{"text":"So what's kind of left at the moment is you've got about seven, eight hundred sitting in the Netwealth account.","start":77.825,"end":83.7,"sentiment":"neutral","sentiment_score":0.025243313889950512},{"text":"Since the rollout, you've had some contributions and distributions go in there.","start":84.259995,"end":89.24,"sentiment":"neutral","sentiment_score":0.006704161137652894},{"text":"So it's starting to build up at the moment, and you do have that insurance policy sitting there attached to that account as well.","start":89.38,"end":97.56,"sentiment":"neutral","sentiment_score":0.01016163220629096}],"sentiment":"neutral","sentiment_score":0.01949253582780988,"channel":0,"num_words":58,"start":76.945,"end":97.56},{"sentences":[{"text":"So first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward.","start":98.42,"end":107.335,"sentiment":"neutral","sentiment_score":0.0009451208241058119}],"sentiment":"neutral","sentiment_score":0.0009451208241058119,"channel":0,"num_words":33,"start":98.42,"end":107.335},{"sentences":[{"text":"Oh, okay.","start":108.034996,"end":108.675,"sentiment":"neutral","sentiment_score":0.05090431496500969},{"text":"I'll keep digging into it, mate.","start":108.675,"end":110.115,"sentiment":"neutral","sentiment_score":0.055250098928809166},{"text":"I'll keep I'll keep adding to it while I'm while I'm working, obviously.","start":110.115,"end":113.494995,"sentiment":"neutral","sentiment_score":0.054659063856189065}],"sentiment":"neutral","sentiment_score":0.05447033588730153,"channel":1,"num_words":21,"start":108.034996,"end":113.494995},{"sentences":[{"text":"Yep.","start":114.435,"end":114.72,"sentiment":"neutral","sentiment_score":0.06170899420976639}],"sentiment":"neutral","sentiment_score":0.06170899420976639,"channel":0,"num_words":1,"start":114.435,"end":114.72},{"sentences":[{"text":"Yep.","start":114.835,"end":115.26,"sentiment":"neutral","sentiment_score":0.06649026274681091},{"text":"So, yeah, I'll I'll I'll start building it.","start":115.340004,"end":117.82,"sentiment":"neutral","sentiment_score":0.09016259200870991},{"text":"I'll just start putting it back up.","start":117.82,"end":119.520004,"sentiment":"neutral","sentiment_score":0.08509683715445655}],"sentiment":"neutral","sentiment_score":0.08646680368110538,"channel":1,"num_words":16,"start":114.835,"end":119.520004},{"sentences":[{"text":"Cool.","start":120.72,"end":120.96,"sentiment":"neutral","sentiment_score":0.20026595890522003},{"text":"Cool.","start":120.96,"end":121.28,"sentiment":"neutral","sentiment_score":0.08621423691511154},{"text":"So a couple of things I need to run through with you as well just because my job as senior adviser is just to walk you through your options here.","start":121.28,"end":128.9,"sentiment":"neutral","sentiment_score":0.05746904518455267},{"text":"Now normally when just a bit of a background.","start":129.36,"end":132.125,"sentiment":"neutral","sentiment_score":0.007834640848967764},{"text":"When I do self managed super fund advice, what we tend to do for our clients is we would set them up with, like, the bank account that you've already got for all the money to go in so you can purchase","start":132.425,"end":144.86,"sentiment":"neutral","sentiment_score":0.05892126896374282}],"sentiment":"neutral","sentiment_score":0.05488863392138338,"channel":0,"num_words":83,"start":120.72,"end":144.86},{"sentences":[{"text":"Yep.","start":144.62001,"end":145.12001,"sentiment":"neutral","sentiment_score":0.06812682747840881}],"sentiment":"neutral","sentiment_score":0.06812682747840881,"channel":1,"num_words":1,"start":144.62001,"end":145.12001},{"sentences":[{"text":"the property and pay for the loans and everything.","start":144.86,"end":147.2,"sentiment":"neutral","sentiment_score":0.11585607007145882},{"text":"And then alongside that, you kinda need something super wide, either through the self managed super fund or through your standard super just to kind of grow everything alongside it.","start":147.42,"end":158.705,"sentiment":"neutral","sentiment_score":0.06264626445869605},{"text":"Because, obviously, not all the money is gonna be used for the property.","start":158.705,"end":161.66501,"sentiment":"neutral","sentiment_score":-0.041168869544680305},{"text":"Right?","start":161.66501,"end":162.16501,"sentiment":"neutral","sentiment_score":0.035203564912080765}],"sentiment":"neutral","sentiment_score":0.04570001557047637,"channel":0,"num_words":53,"start":144.86,"end":162.16501},{"sentences":[{"text":"Right.","start":162.695,"end":163.195,"sentiment":"neutral","sentiment_score":0.0958377718925476}],"sentiment":"neutral","sentiment_score":0.0958377718925476,"channel":1,"num_words":1,"start":162.695,"end":163.195},{"sentences":[{"text":"Absolutely.","start":164.38501,"end":164.88501,"sentiment":"neutral","sentiment_score":0.231936514377594},{"text":"So there's a few ways you can kinda do it, and then we'll kind of break it down in a bit more depth together.","start":165.345,"end":171.02,"sentiment":"neutral","sentiment_score":0.11899427603930235},{"text":"So you've got the Neos insurances coming out of Netwealth at the moment.","start":171.31999,"end":175.66,"sentiment":"neutral","sentiment_score":0.10161804522459324},{"text":"Now those insurances, they can come out of a self managed super fund bank account, so you can actually have the self managed super fund own the policy.","start":176.2,"end":186.235,"sentiment":"neutral","sentiment_score":0.11479545224990163},{"text":"So it can either come out of a net wealth.","start":186.69499,"end":188.635,"sentiment":"neutral","sentiment_score":0.11079027354717255}],"sentiment":"neutral","sentiment_score":0.11488169902249386,"channel":0,"num_words":76,"start":164.38501,"end":188.635},{"sentences":[{"text":"It can come out of the SMSF.","start":188.69499,"end":190.155,"sentiment":"neutral","sentiment_score":0.1350128384573119},{"text":"You can even have a net wealth account owned by the SMSF as well if you like.","start":191.33499,"end":195.45,"sentiment":"neutral","sentiment_score":0.16223087819183574},{"text":"And then it can also come out of any other super fund because it is like an enduring rollover.","start":196.33,"end":201.31,"sentiment":"neutral","sentiment_score":0.10944228344842007},{"text":"They can take the premiums out of most any fund as well.","start":201.53,"end":204.67,"sentiment":"neutral","sentiment_score":0.11570520233362913}],"sentiment":"neutral","sentiment_score":0.13037964749065312,"channel":0,"num_words":55,"start":188.69499,"end":204.67},{"sentences":[{"text":"Okay.","start":207.75,"end":208.25,"sentiment":"neutral","sentiment_score":0.10976563394069672}],"sentiment":"neutral","sentiment_score":0.10976563394069672,"channel":1,"num_words":1,"start":207.75,"end":208.25},{"sentences":[{"text":"Now what I'm sort of thinking with it at the moment is with Netwealth, it's a fantastic platform because it has just so many investment options.","start":208.17,"end":216.085,"sentiment":"neutral","sentiment_score":0.2778560069318001},{"text":"But my only main concern at the moment is they have pretty high, like, flat account keeping fee.","start":216.38501,"end":223.38,"sentiment":"negative","sentiment_score":-0.46040558483865524},{"text":"So, normally, you go into a NetWell or a hub or what we call a wrap platform if you've got about a 100 to 200,000 minimum just because you've got all these flat fees coming out of it.","start":223.76,"end":236.055,"sentiment":"neutral","sentiment_score":-0.18466674742337905},{"text":"So it has been building up pretty well, but there's a solid upwards of $700 a year that comes out of it in fees, which is about a tenth of your account balance at the moment.","start":236.295,"end":248.1,"sentiment":"negative","sentiment_score":-0.33564092136091656}],"sentiment":"neutral","sentiment_score":-0.17087672811822366,"channel":0,"num_words":118,"start":208.17,"end":248.1},{"sentences":[{"text":"Right.","start":249.30501,"end":249.80501,"sentiment":"neutral","sentiment_score":-0.0800650343298912}],"sentiment":"neutral","sentiment_score":-0.0800650343298912,"channel":1,"num_words":1,"start":249.30501,"end":249.80501},{"sentences":[{"text":"So what my concern is with is this account isn't really suitable for the low balance.","start":250.98001,"end":256.2,"sentiment":"negative","sentiment_score":-0.4129311125725508},{"text":"It's suitable for the more higher balances as well.","start":256.42,"end":259.32,"sentiment":"neutral","sentiment_score":-0.29189763632085586},{"text":"Normally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well.","start":259.94,"end":268.625,"sentiment":"neutral","sentiment_score":-0.15396660476019888},{"text":"So I just wanted to kind of run that by you as well.","start":268.625,"end":271.20502,"sentiment":"neutral","sentiment_score":0.11181725618930963}],"sentiment":"neutral","sentiment_score":-0.1811443683756909,"channel":0,"num_words":71,"start":250.98001,"end":271.20502},{"sentences":[{"text":"Okay.","start":271.605,"end":272.105,"sentiment":"neutral","sentiment_score":-0.0028962939977645874}],"sentiment":"neutral","sentiment_score":-0.0028962939977645874,"channel":1,"num_words":1,"start":271.605,"end":272.105},{"sentences":[{"text":"K?","start":273.345,"end":273.845,"sentiment":"neutral","sentiment_score":-0.01446295902132988},{"text":"With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment.","start":274.86502,"end":280.8,"sentiment":"neutral","sentiment_score":-0.15825249291956425},{"text":"There's only a couple left.","start":280.8,"end":282.18,"sentiment":"neutral","sentiment_score":-0.11740085184574127},{"text":"You've got a bit of international shares, a bit of gold there as well.","start":282.31998,"end":287.46,"sentiment":"neutral","sentiment_score":-0.05860315848674093},{"text":"There's not like a like a full portfolio like we had before.","start":288.08,"end":292.695,"sentiment":"neutral","sentiment_score":-0.23742078493038812}],"sentiment":"neutral","sentiment_score":-0.14300020605039138,"channel":0,"num_words":52,"start":273.345,"end":292.695},{"sentences":[{"text":"So, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point.","start":292.695,"end":302.535,"sentiment":"neutral","sentiment_score":-0.05680282359882709},{"text":"Does that make sense?","start":302.535,"end":303.42,"sentiment":"neutral","sentiment_score":0.00006726803258061409}],"sentiment":"neutral","sentiment_score":-0.05030338455523763,"channel":0,"num_words":35,"start":292.695,"end":303.42},{"sentences":[{"text":"Yep.","start":303.885,"end":304.385,"sentiment":"neutral","sentiment_score":0.005268469452857971}],"sentiment":"neutral","sentiment_score":0.005268469452857971,"channel":1,"num_words":1,"start":303.885,"end":304.385},{"sentences":[{"text":"So I guess my question at the moment is we don't normally look after that account balance as it is because we're we're just not allowed to charge fees as advisers below sort of that 50 to 80,000 mark as well just because our fees are gonna stop the super from growing as well on top of those account keeping fit.","start":305.34003,"end":326.955,"sentiment":"neutral","sentiment_score":-0.24790616480053448}],"sentiment":"neutral","sentiment_score":-0.24790616480053448,"channel":0,"num_words":61,"start":305.34003,"end":326.955},{"sentences":[{"text":"Right.","start":328.035,"end":328.535,"sentiment":"neutral","sentiment_score":-0.05160634592175484},{"text":"So what","start":329.315,"end":329.635,"sentiment":"neutral","sentiment_score":-0.03510613739490509}],"sentiment":"neutral","sentiment_score":-0.040606206903855004,"channel":1,"num_words":3,"start":328.035,"end":329.635},{"sentences":[{"text":"So","start":329.575,"end":329.975,"sentiment":"neutral","sentiment_score":-0.02108551189303398}],"sentiment":"neutral","sentiment_score":-0.02108551189303398,"channel":0,"num_words":1,"start":329.575,"end":329.975},{"sentences":[{"text":"are you saying?","start":329.635,"end":330.195,"sentiment":"neutral","sentiment_score":-0.028615131974220276}],"sentiment":"neutral","sentiment_score":-0.028615131974220276,"channel":1,"num_words":3,"start":329.635,"end":330.195},{"sentences":[{"text":"just","start":329.975,"end":330.29498,"sentiment":"neutral","sentiment_score":-0.034162215888500214}],"sentiment":"neutral","sentiment_score":-0.034162215888500214,"channel":0,"num_words":1,"start":329.975,"end":330.29498},{"sentences":[{"text":"Move","start":330.195,"end":330.595,"sentiment":"neutral","sentiment_score":-0.037563733756542206}],"sentiment":"neutral","sentiment_score":-0.037563733756542206,"channel":1,"num_words":1,"start":330.195,"end":330.595},{"sentences":[{"text":"based on","start":330.29498,"end":331.035,"sentiment":"neutral","sentiment_score":-0.024967242032289505}],"sentiment":"neutral","sentiment_score":-0.024967242032289505,"channel":0,"num_words":2,"start":330.29498,"end":331.035},{"sentences":[{"text":"move it somewhere?","start":330.595,"end":331.33502,"sentiment":"neutral","sentiment_score":-0.04495623211065928}],"sentiment":"neutral","sentiment_score":-0.04495623211065928,"channel":1,"num_words":3,"start":330.595,"end":331.33502},{"sentences":[{"text":"yeah.","start":332.53,"end":333.01,"sentiment":"neutral","sentiment_score":-0.02385425567626953},{"text":"Well, that's what I'm sort of thinking because, like, you can build it up.","start":333.01,"end":336.21002,"sentiment":"neutral","sentiment_score":-0.045334749189870696},{"text":"And the thing to be wary of is you kinda need that 9 to $10 in there for the insurances and just for the the minimums for the fees and everything.","start":336.21002,"end":346.47,"sentiment":"neutral","sentiment_score":-0.30219333066094306},{"text":"You might be better off moving it around somewhere where it's not getting eaten up with fees alongside that property.","start":347.365,"end":354.185,"sentiment":"negative","sentiment_score":-0.34980294331908224}],"sentiment":"neutral","sentiment_score":-0.2579180736546264,"channel":0,"num_words":66,"start":332.53,"end":354.185},{"sentences":[{"text":"Right.","start":356.08002,"end":356.32,"sentiment":"neutral","sentiment_score":-0.01819198951125145},{"text":"Alright.","start":356.32,"end":356.64,"sentiment":"neutral","sentiment_score":0.035786181688308716},{"text":"Well, I'll I'll have a talk to my partner about it, and we'll work out a solution to to what what to do next.","start":356.64,"end":363.7,"sentiment":"neutral","sentiment_score":0.12506296501184502}],"sentiment":"neutral","sentiment_score":0.11611943663312839,"channel":1,"num_words":26,"start":356.08002,"end":363.7},{"sentences":[{"text":"Yeah.","start":364.51,"end":364.83,"sentiment":"neutral","sentiment_score":0.17924578487873075},{"text":"And I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate.","start":364.83,"end":370.43,"sentiment":"neutral","sentiment_score":0.17816333267195472},{"text":"Just do this, and I'll sort you out.","start":370.43,"end":371.925,"sentiment":"neutral","sentiment_score":0.18915245309472084},{"text":"I wanna make sure we're doing right by you, whichever way that is.","start":372.485,"end":375.865,"sentiment":"neutral","sentiment_score":0.24922780234080094},{"text":"So, again, I'll kind of maybe send you a quick email, but the","start":376.805,"end":380.245,"sentiment":"neutral","sentiment_score":0.10801069209208855}],"sentiment":"neutral","sentiment_score":0.17973910132423043,"channel":0,"num_words":64,"start":364.51,"end":380.245},{"sentences":[{"text":"Yep.","start":380.155,"end":380.655,"sentiment":"neutral","sentiment_score":0.1802874207496643}],"sentiment":"neutral","sentiment_score":0.1802874207496643,"channel":1,"num_words":1,"start":380.155,"end":380.655},{"sentences":[{"text":"options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund.","start":380.245,"end":387.7,"sentiment":"neutral","sentiment_score":0.19605864681627438},{"text":"And with Netwealth, there is some high fees until you build it back up again.","start":388.48,"end":393.14,"sentiment":"neutral","sentiment_score":-0.22049758583307266}],"sentiment":"neutral","sentiment_score":0.03162855498100582,"channel":0,"num_words":38,"start":380.245,"end":393.14},{"sentences":[{"text":"Right.","start":393.53998,"end":394.03998,"sentiment":"neutral","sentiment_score":0.13396397233009338}],"sentiment":"neutral","sentiment_score":0.13396397233009338,"channel":1,"num_words":1,"start":393.53998,"end":394.03998},{"sentences":[{"text":"The other thing I wanna just quickly run by you is just the policy that you've got yourself through Neon.","start":393.84003,"end":400.455,"sentiment":"neutral","sentiment_score":0.30778883323073386},{"text":"Have you do you remember the last time you kind of reviewed it?","start":401.23502,"end":404.455,"sentiment":"neutral","sentiment_score":0.11583069368050648}],"sentiment":"neutral","sentiment_score":0.23216896007458368,"channel":0,"num_words":33,"start":393.84003,"end":404.455},{"sentences":[{"text":"It's been a while.","start":406.115,"end":407.25497,"sentiment":"neutral","sentiment_score":-0.05327573046088219}],"sentiment":"neutral","sentiment_score":-0.05327573046088219,"channel":1,"num_words":4,"start":406.115,"end":407.25497},{"sentences":[{"text":"Yeah.","start":408.435,"end":408.835,"sentiment":"neutral","sentiment_score":0.1897357702255249},{"text":"So I'm gonna send you through your certificate of currency, which just breaks down all the covers that you've got and the premiums associated with them, just so you know kind of what you've got there as well, if that's okay.","start":408.835,"end":420.73,"sentiment":"neutral","sentiment_score":0.30025165582575447}],"sentiment":"neutral","sentiment_score":0.2976203252162252,"channel":0,"num_words":42,"start":408.435,"end":420.73},{"sentences":[{"text":"Yes.","start":421.03,"end":421.53,"sentiment":"neutral","sentiment_score":0.1854979693889618}],"sentiment":"neutral","sentiment_score":0.1854979693889618,"channel":1,"num_words":1,"start":421.03,"end":421.53},{"sentences":[{"text":"Now last couple of things I wanted to run by you is the next anniversary isn't until October.","start":422.71,"end":428.585,"sentiment":"neutral","sentiment_score":0.15452212053868505},{"text":"So you've got a few months until that comes due again.","start":429.525,"end":432.88498,"sentiment":"neutral","sentiment_score":0.09993766315958717},{"text":"So it gives you a little bit of time to sort of sort out what we're doing with it all.","start":432.88498,"end":436.34497,"sentiment":"neutral","sentiment_score":0.23166656717658043},{"text":"But when October comes, the premium is gonna jump up again.","start":437.525,"end":442.0,"sentiment":"neutral","sentiment_score":0.04958817227320238}],"sentiment":"neutral","sentiment_score":0.15099189504981042,"channel":0,"num_words":60,"start":422.71,"end":442.0},{"sentences":[{"text":"Right.","start":442.90997,"end":443.40997,"sentiment":"neutral","sentiment_score":0.18001976609230042}],"sentiment":"neutral","sentiment_score":0.18001976609230042,"channel":1,"num_words":1,"start":442.90997,"end":443.40997},{"sentences":[{"text":"And what I'm seeing here is that the the premiums are currently just shy of 9,000, and it wouldn't surprise me if it crepes over 10,000 in October.","start":443.58,"end":453.52,"sentiment":"neutral","sentiment_score":0.1405596953949758}],"sentiment":"neutral","sentiment_score":0.1405596953949758,"channel":0,"num_words":28,"start":443.58,"end":453.52},{"sentences":[{"text":"Okay.","start":455.205,"end":455.705,"sentiment":"neutral","sentiment_score":0.226949006319046}],"sentiment":"neutral","sentiment_score":0.226949006319046,"channel":1,"num_words":1,"start":455.205,"end":455.705},{"sentences":[{"text":"So quite hefty.","start":456.755,"end":457.895,"sentiment":"neutral","sentiment_score":0.20715213815371195},{"text":"I just wanted to quickly break down what you've got.","start":459.155,"end":461.475,"sentiment":"neutral","sentiment_score":0.22852426916360855},{"text":"So you've got 650,000 worth of life insurance and 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mill sorry, 0.5 a mill.","start":472.91,"end":475.49,"sentiment":"neutral","sentiment_score":0.06305174976587295}],"sentiment":"neutral","sentiment_score":-0.10655447250852983,"channel":0,"num_words":24,"start":467.79498,"end":475.49},{"sentences":[{"text":"So you kind of pay off the mortgage and things like that.","start":475.55,"end":478.69,"sentiment":"neutral","sentiment_score":0.14466306567192078},{"text":"You've also got the biggest price that you've got is the income protection.","start":479.63,"end":483.56998,"sentiment":"positive","sentiment_score":0.3744927312319095},{"text":"So that's covering you for 6,178 a month worth of cover that you would get.","start":486.315,"end":493.055,"sentiment":"neutral","sentiment_score":0.28676731089750923},{"text":"If you were out of work for thirteen weeks, it would kick in monthly for up to five years.","start":493.51498,"end":499.55,"sentiment":"neutral","sentiment_score":-0.015513309914814798},{"text":"Now what that kind of does, that's 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industries.","start":537.09,"end":537.91003,"sentiment":"neutral","sentiment_score":-0.006928286049515009}],"sentiment":"neutral","sentiment_score":-0.006928286049515009,"channel":0,"num_words":2,"start":537.09,"end":537.91003},{"sentences":[{"text":"Yeah.","start":538.415,"end":538.65497,"sentiment":"neutral","sentiment_score":0.01013539545238018},{"text":"S t a r.","start":538.65497,"end":539.875,"sentiment":"neutral","sentiment_score":0.013222318142652512}],"sentiment":"neutral","sentiment_score":0.012604933604598046,"channel":1,"num_words":5,"start":538.415,"end":539.875},{"sentences":[{"text":"Perfect.","start":541.005,"end":541.505,"sentiment":"neutral","sentiment_score":0.3058623969554901},{"text":"That's one that you own.","start":541.885,"end":543.185,"sentiment":"neutral","sentiment_score":0.20297660827636718},{"text":"And I do see contributions coming in.","start":543.565,"end":545.805,"sentiment":"neutral","sentiment_score":0.0794270331306117},{"text":"Is that coming from BND, or is that you you're sort of paying yourself wages and super out","start":545.805,"end":549.965,"sentiment":"neutral","sentiment_score":0.032018467576967344}],"sentiment":"neutral","sentiment_score":0.07913119634312968,"channel":0,"num_words":31,"start":541.005,"end":549.965},{"sentences":[{"text":"Next.","start":549.935,"end":550.35,"sentiment":"neutral","sentiment_score":0.02024658210575581}],"sentiment":"neutral","sentiment_score":0.02024658210575581,"channel":1,"num_words":1,"start":549.935,"end":550.35},{"sentences":[{"text":"of the half?","start":549.965,"end":550.53,"sentiment":"neutral","sentiment_score":0.016149304807186127}],"sentiment":"neutral","sentiment_score":0.016149304807186127,"channel":0,"num_words":3,"start":549.965,"end":550.53},{"sentences":[{"text":"That should that should be from DAS Labor Hire.","start":550.43,"end":553.17,"sentiment":"neutral","sentiment_score":0.05452539316482014},{"text":"I'll finish with DMD.","start":554.02997,"end":555.31,"sentiment":"neutral","sentiment_score":0.04952812381088734},{"text":"The job's finished.","start":555.31,"end":556.29,"sentiment":"neutral","sentiment_score":0.0626013030608495}],"sentiment":"neutral","sentiment_score":0.054790308931842446,"channel":1,"num_words":16,"start":550.43,"end":556.29},{"sentences":[{"text":"Yep.","start":557.17004,"end":557.67004,"sentiment":"neutral","sentiment_score":0.056479405611753464},{"text":"Okay.","start":557.73004,"end":558.23004,"sentiment":"neutral","sentiment_score":0.05882863700389862},{"text":"That's labor hire.","start":558.29004,"end":559.43005,"sentiment":"neutral","sentiment_score":0.05802275985479355},{"text":"That's what's coming in there.","start":559.81006,"end":561.35004,"sentiment":"neutral","sentiment_score":0.056074777990579604},{"text":"And you know how we've just kind of gone past the end of financial year?","start":562.05005,"end":565.105,"sentiment":"neutral","sentiment_score":0.00015743095427751553}],"sentiment":"neutral","sentiment_score":0.022884467057883738,"channel":0,"num_words":25,"start":557.17004,"end":565.105},{"sentences":[{"text":"Do you know what you kind of ended up on income wise for the last twelve months?","start":565.105,"end":570.08496,"sentiment":"neutral","sentiment_score":-0.00797574654878939}],"sentiment":"neutral","sentiment_score":-0.00797574654878939,"channel":0,"num_words":17,"start":565.105,"end":570.08496},{"sentences":[{"text":"Mate, I'll have to have a look on myGov.","start":570.875,"end":572.735,"sentiment":"neutral","sentiment_score":0.0009896428220801884}],"sentiment":"neutral","sentiment_score":0.0009896428220801884,"channel":1,"num_words":9,"start":570.875,"end":572.735},{"sentences":[{"text":"Yep.","start":574.385,"end":574.70496,"sentiment":"neutral","sentiment_score":0.047862883657217026},{"text":"No worries.","start":574.70496,"end":575.445,"sentiment":"neutral","sentiment_score":0.06668287888169289},{"text":"Just because, again, if you cover the 98,000, but you're only at 50, then you'd be over insured.","start":575.94,"end":581.0,"sentiment":"neutral","sentiment_score":-0.0027434881776571274},{"text":"If you earn a $150, well, then you're you're under insured or it's covered for that maximum amount.","start":581.22003,"end":588.42004,"sentiment":"neutral","sentiment_score":0.010676008407446917},{"text":"So I'll send through the certificate of currency there","start":588.42004,"end":591.165,"sentiment":"neutral","sentiment_score":0.0405532932943768}],"sentiment":"neutral","sentiment_score":0.01435403427512938,"channel":0,"num_words":48,"start":574.385,"end":591.165},{"sentences":[{"text":"Right.","start":591.8,"end":592.3,"sentiment":"neutral","sentiment_score":0.04039704799652099}],"sentiment":"neutral","sentiment_score":0.04039704799652099,"channel":1,"num_words":1,"start":591.8,"end":592.3},{"sentences":[{"text":"and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner.","start":592.125,"end":599.345,"sentiment":"neutral","sentiment_score":0.037180943849186104}],"sentiment":"neutral","sentiment_score":0.037180943849186104,"channel":0,"num_words":30,"start":592.125,"end":599.345},{"sentences":[{"text":"Okay.","start":600.035,"end":600.535,"sentiment":"neutral","sentiment_score":0.10269320756196976}],"sentiment":"neutral","sentiment_score":0.10269320756196976,"channel":1,"num_words":1,"start":600.035,"end":600.535},{"sentences":[{"text":"Cool.","start":601.805,"end":602.305,"sentiment":"neutral","sentiment_score":0.1814335733652115}],"sentiment":"neutral","sentiment_score":0.1814335733652115,"channel":0,"num_words":1,"start":601.805,"end":602.305},{"sentences":[{"text":"No dramas.","start":601.955,"end":602.77496,"sentiment":"neutral","sentiment_score":0.060754421167075634}],"sentiment":"neutral","sentiment_score":0.060754421167075634,"channel":1,"num_words":2,"start":601.955,"end":602.77496},{"sentences":[{"text":"Is there anything that I can kind of help with at the moment?","start":602.445,"end":605.32495,"sentiment":"neutral","sentiment_score":0.07653832177703197},{"text":"Any questions at this point?","start":605.32495,"end":606.6,"sentiment":"neutral","sentiment_score":0.01901446022093296}],"sentiment":"neutral","sentiment_score":0.06055947134478225,"channel":0,"num_words":18,"start":602.445,"end":606.6},{"sentences":[{"text":"Not really, mate.","start":607.61,"end":608.41,"sentiment":"neutral","sentiment_score":-0.04772277300556501},{"text":"I'll I'll send that stuff through, and I'll I'll I'll go through it with her, and I'll I'll I'll I'll get a couple of questions together to to find out anything else that I need to find out.","start":608.41,"end":620.745,"sentiment":"neutral","sentiment_score":0.053110839063791854}],"sentiment":"neutral","sentiment_score":0.045732769887985254,"channel":1,"num_words":41,"start":607.61,"end":620.745},{"sentences":[{"text":"That'd be perfect.","start":621.755,"end":622.635,"sentiment":"positive","sentiment_score":0.5433833797772726},{"text":"And then from there, I'm more than happy to have another chat with you guys and just kinda work out what we can do and best option for you.","start":622.635,"end":630.095,"sentiment":"positive","sentiment_score":0.4592544158984875}],"sentiment":"positive","sentiment_score":0.4671415062621236,"channel":0,"num_words":32,"start":621.755,"end":630.095},{"sentences":[{"text":"Too easy.","start":630.425,"end":631.245,"sentiment":"positive","sentiment_score":0.4118642061948776}],"sentiment":"positive","sentiment_score":0.4118642061948776,"channel":1,"num_words":2,"start":630.425,"end":631.245},{"sentences":[{"text":"Beautiful, mate.","start":632.235,"end":632.955,"sentiment":"positive","sentiment_score":0.5858090817928314},{"text":"Thank you so much for your time tonight.","start":632.955,"end":634.39496,"sentiment":"positive","sentiment_score":0.8730798289179802},{"text":"Keep an ear out for that email, and I'll talk to you soon.","start":634.39496,"end":637.31696,"sentiment":"positive","sentiment_score":0.454664592559521}],"sentiment":"positive","sentiment_score":0.6116041955740555,"channel":0,"num_words":23,"start":632.235,"end":637.31696},{"sentences":[{"text":"No worries.","start":637.64,"end":638.2,"sentiment":"positive","sentiment_score":0.35342568159103394},{"text":"Thanks so much for the call.","start":638.2,"end":639.58,"sentiment":"positive","sentiment_score":0.7809820473194122}],"sentiment":"positive","sentiment_score":0.6740929558873177,"channel":1,"num_words":8,"start":637.64,"end":639.58},{"sentences":[{"text":"No worries at all, Adam.","start":640.277,"end":641.23694,"sentiment":"neutral","sentiment_score":0.3296889096498489},{"text":"Talk to you soon, mate.","start":641.23694,"end":642.0369,"sentiment":"positive","sentiment_score":0.42354263067245485},{"text":"Cheers.","start":642.0369,"end":642.5369,"sentiment":"positive","sentiment_score":0.6226345300674438}],"sentiment":"positive","sentiment_score":0.3989811119708148,"channel":0,"num_words":11,"start":640.277,"end":642.5369},{"sentences":[{"text":"Yeah, buddy.","start":642.76,"end":643.4,"sentiment":"positive","sentiment_score":0.40694551169872284},{"text":"Bye.","start":643.4,"end":643.9,"sentiment":"neutral","sentiment_score":-0.12364856153726578}],"sentiment":"neutral","sentiment_score":0.23008082062005997,"channel":1,"num_words":3,"start":642.76,"end":643.9}]},"summary":{"result":"success","short":"A representative from ATHIC speaks with a customer named Paul about his self-funded super fund. The account is linked to a bank account and the customer is advised on investment options. The speaker discusses the benefits of the super fund, including low balances and high fees, but provides information on premiums and income protection. The agent explains the policy's coverage and premiums, and promises to send a certificate of currency and provide further assistance."},"intents":{"segments":[{"text":"Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund. Have you got a bit of time, Paul? Yeah, mate.","start_word":41,"end_word":73,"intents":[{"intent":"Inquire about fund","confidence_score":0.00006821947}]},{"text":"So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you?","start_word":80,"end_word":106,"intents":[{"intent":"Check security","confidence_score":0.022094643}]},{"text":"Could you please confirm your date of birth and address for me?","start_word":126,"end_word":137,"intents":[{"intent":"Confirm identity","confidence_score":0.047946677}]},{"text":"So first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward.","start_word":278,"end_word":310,"intents":[{"intent":"Discuss policy","confidence_score":0.0015223548}]},{"text":"So first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward. Oh, okay.","start_word":278,"end_word":312,"intents":[{"intent":"Discuss insurance policy","confidence_score":0.20535335}]},{"text":"I'll keep digging into it, mate. I'll keep I'll keep adding to it while I'm while I'm working, obviously. Yep. Yep. So, yeah, I'll I'll I'll start building it. I'll just start putting it back up. Cool.","start_word":313,"end_word":349,"intents":[{"intent":"Reconnect account","confidence_score":0.0000056629124}]},{"text":"So, yeah, I'll I'll I'll start building it. I'll just start putting it back up. Cool. Cool.","start_word":334,"end_word":350,"intents":[{"intent":"Continue building","confidence_score":0.04438072}]},{"text":"So you've got the Neos insurances coming out of Netwealth at the moment.","start_word":512,"end_word":524,"intents":[{"intent":"Explaining insurance options","confidence_score":0.00039385917}]},{"text":"So what my concern is with is this account isn't really suitable for the low balance. It's suitable for the more higher balances as well. Normally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well. So I just wanted to kind of run that by you as well. Okay.","start_word":739,"end_word":810,"intents":[{"intent":"Identify suitable account","confidence_score":0.00006094858}]},{"text":"With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment.","start_word":811,"end_word":830,"intents":[{"intent":"Take off investment investments","confidence_score":0.00006587022}]},{"text":"There's not like a like a full portfolio like we had before. So, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point. Does that make sense?","start_word":850,"end_word":896,"intents":[{"intent":"Ensure correct investment portfolio","confidence_score":0.0000018263006}]},{"text":"just Move based on move it somewhere? yeah.","start_word":966,"end_word":973,"intents":[{"intent":"Move based on move","confidence_score":0.019929493}]},{"text":"Well, I'll I'll have a talk to my partner about it, and we'll work out a solution to to what what to do next. Yeah.","start_word":1041,"end_word":1065,"intents":[{"intent":"Discuss with partner","confidence_score":0.12567051},{"intent":"Sort out solution","confidence_score":0.057753805}]},{"text":"And I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate. Just do this, and I'll sort you out. I wanna make sure we're doing right by you, whichever way that is.","start_word":1066,"end_word":1115,"intents":[{"intent":"Give thought","confidence_score":0.041478086},{"intent":"Give advice","confidence_score":0.057644174}]},{"text":"So, again, I'll kind of maybe send you a quick email, but the Yep. options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund. And with Netwealth, there is some high fees until you build it back up again. Right.","start_word":1117,"end_word":1169,"intents":[{"intent":"Provide policy details","confidence_score":0.010935778}]},{"text":"When I'm looking at your details that we've got on file, I noted that you were doing, sorry, concrete in work, but you were also kind of the director and owner of the business. Is that right? BMD?","start_word":1463,"end_word":1500,"intents":[{"intent":"Ask about job details","confidence_score":0.000037203783}]},{"text":"And you know how we've just kind of gone past the end of financial year? Do you know what you kind of ended up on income wise for the last twelve months?","start_word":1595,"end_word":1626,"intents":[{"intent":"Discuss financial status","confidence_score":0.0051961136}]},{"text":"So I'll send through the certificate of currency there Right.","start_word":1675,"end_word":1684,"intents":[{"intent":"Send certificate of currency","confidence_score":0.038090453},{"intent":"Ask about certificate of currency","confidence_score":0.006013193}]},{"text":"and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner. Okay.","start_word":1685,"end_word":1715,"intents":[{"intent":"Provide breakdown","confidence_score":0.07616794}]},{"text":"Is there anything that I can kind of help with at the moment? Any questions at this point?","start_word":1719,"end_word":1736,"intents":[{"intent":"Request assistance","confidence_score":0.039926335},{"intent":"Express availability","confidence_score":0.00002799408},{"intent":"Offer assistance","confidence_score":0.14273703}]},{"text":"Beautiful, mate.","start_word":1812,"end_word":1813,"intents":[{"intent":"Express gratitude","confidence_score":0.009385579},{"intent":"Confirm understanding","confidence_score":0.022082785}]}]},"sentiments":{"segments":[{"text":"Hello? Good evening, Adam. It's Tommy here, senior adviser from. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1634841412305832},{"text":"Good. Thanks.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.47351694107055664},{"text":"Yourself?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.2807040810585022},{"text":"Mate, living a dream so far. It's been a fantastic week. Hope you all have been too.","start_word":17,"end_word":33,"sentiment":"positive","sentiment_score":0.7116100788116455},{"text":"Yeah.","start_word":34,"end_word":34,"sentiment":"neutral","sentiment_score":0.25385797023773193},{"text":"Not too bad, buddy. Good. Cool.","start_word":35,"end_word":40,"sentiment":"positive","sentiment_score":0.3683207631111145},{"text":"Mate, I've got you booked in for just a bit of a chat around the superannuation insurances and the self managed super fund. Have you got a bit of time, Paul? Yeah, mate. I was gonna be.","start_word":41,"end_word":77,"sentiment":"neutral","sentiment_score":0.07299208641052246},{"text":"Perfect.","start_word":78,"end_word":78,"sentiment":"positive","sentiment_score":0.35330432653427124},{"text":"Perfect. So just before I jump into it, just because we are dealing with your details, you would take me to do the usual security check with you? Yeah. That's fine, mate. Perfect. So I'm registered with ATHIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address for me? 14118120 Summer Lane Circuit, Canva, ACT. Sensational.","start_word":79,"end_word":144,"sentiment":"neutral","sentiment_score":0.06074336916208267},{"text":"Thank you very much for that.","start_word":145,"end_word":150,"sentiment":"positive","sentiment_score":0.5301057696342468},{"text":"Mate, what I wanted to kinda go through with you today was just a a few options that I was kind of looking at for you. Now when it comes to the self funded super fund, I believe you kind of just rolled that across pretty recently, and I believe you've managed to get into the old property in the super before the the cutoff with the legislation. Yep. Perfect. Perfect. So what's kind of left at the moment is you've got about seven, eight hundred sitting in the Netwealth account. Since the rollout, you've had some contributions and distributions go in there. So it's starting to build up at the moment, and you do have that insurance policy sitting there attached to that account as well. So first sort of question I have for you was just kind of what your intentions were with it and what kind of you would like to see happen with it going forward. Oh, okay. I'll keep digging into it, mate. I'll keep I'll keep adding to it while I'm while I'm working, obviously. Yep. Yep. So, yeah, I'll I'll I'll start building it. I'll just start putting it back up. Cool. Cool. So a couple of things I need to run through with you as well just because my job as senior adviser is just to walk you through your options here. Now normally when just a bit of a background. When I do self managed super fund advice, what we tend to do for our clients is we would set them up with, like, the bank account that you've already got for all the money to go in so you can purchase Yep. the property and pay for the loans and everything. And then alongside that, you kinda need something super wide, either through the self managed super fund or through your standard super just to kind of grow everything alongside it. Because, obviously, not all the money is gonna be used for the property. Right? Right. Absolutely. So there's a few ways you can kinda do it, and then we'll kind of break it down in a bit more depth together. So you've got the Neos insurances coming out of Netwealth at the moment. Now those insurances, they can come out of a self managed super fund bank account, so you can actually have the self managed super fund own the policy. So it can either come out of a net wealth. It can come out of the SMSF. You can even have a net wealth account owned by the SMSF as well if you like. And then it can also come out of any other super fund because it is like an enduring rollover. They can take the premiums out of most any fund as well. Okay. Now what I'm sort of thinking with it at the moment is with Netwealth, it's a fantastic platform because it has just so many investment options.","start_word":151,"end_word":644,"sentiment":"neutral","sentiment_score":0.08251027542690516},{"text":"But my only main concern at the moment is they have pretty high, like, flat account keeping fee.","start_word":645,"end_word":662,"sentiment":"negative","sentiment_score":-0.4695603549480438},{"text":"So, normally, you go into a NetWell or a hub or what we call a wrap platform if you've got about a 100 to 200,000 minimum just because you've got all these flat fees coming out of it.","start_word":663,"end_word":700,"sentiment":"neutral","sentiment_score":-0.1810576468706131},{"text":"So it has been building up pretty well, but there's a solid upwards of $700 a year that comes out of it in fees, which is about a tenth of your account balance at the moment.","start_word":701,"end_word":736,"sentiment":"negative","sentiment_score":-0.33762797713279724},{"text":"Right.","start_word":737,"end_word":737,"sentiment":"neutral","sentiment_score":-0.05021750554442406},{"text":"So what my concern is with is this account isn't really suitable for the low balance.","start_word":738,"end_word":753,"sentiment":"negative","sentiment_score":-0.4620595872402191},{"text":"It's suitable for the more higher balances as well. Normally, the first sort of 50 to $80, most people are kind of better off in, like, a a standard industry sort of fund, something with a bit lower fees there as well. So I just wanted to kind of run that by you as well. Okay. K? With the the rollout to the SMSF, all of the investments have kind of been taken off at the moment. There's only a couple left. You've got a bit of international shares, a bit of gold there as well. There's not like a like a full portfolio like we had before. So, normally, there was, like, eight options there split between all the different assets, your shares, your property, your term deposits, and I guess we call it diversified at that point. Does that make sense? Yep. So I guess my question at the moment is we don't normally look after that account balance as it is because we're we're just not allowed to charge fees as advisers below sort of that 50 to 80,000 mark as well just because our fees are gonna stop the super from growing as well on top of those account keeping fit. Right. So what So are you saying? just Move based on move it somewhere? yeah. Well, that's what I'm sort of thinking because, like, you can build it up. And the thing to be wary of is you kinda need that 9 to $10 in there for the insurances and just for the the minimums for the fees and everything.","start_word":754,"end_word":1018,"sentiment":"neutral","sentiment_score":-0.15259800851345062},{"text":"You might be better off moving it around somewhere where it's not getting eaten up with fees alongside that property.","start_word":1019,"end_word":1038,"sentiment":"negative","sentiment_score":-0.34293684363365173},{"text":"Right. Alright. Well, I'll I'll have a talk to my partner about it, and we'll work out a solution to to what what to do next. Yeah. And I just wanted to give you some food for thought for that conversation because it's not something that I can easily just solve tonight and say, yeah, mate. Just do this, and I'll sort you out. I wanna make sure we're doing right by you, whichever way that is. So, again, I'll kind of maybe send you a quick email, but the Yep. options are the policy you've got can come out of this account, a self managed super fund account, or any other super fund. And with Netwealth, there is some high fees until you build it back up again. Right. The other thing I wanna just quickly run by you is just the policy that you've got yourself through Neon. Have you do you remember the last time you kind of reviewed it? It's been a while. Yeah. So I'm gonna send you through your certificate of currency, which just breaks down all the covers that you've got and the premiums associated with them, just so you know kind of what you've got there as well, if that's okay. Yes. Now last couple of things I wanted to run by you is the next anniversary isn't until October. So you've got a few months until that comes due again. So it gives you a little bit of time to sort of sort out what we're doing with it all. But when October comes, the premium is gonna jump up again. Right. And what I'm seeing here is that the the premiums are currently just shy of 9,000, and it wouldn't surprise me if it crepes over 10,000 in October. Okay. So quite hefty. I just wanted to quickly break down what you've got. So you've got 650,000 worth of life insurance and total Yep. disability insurance. That's like your lump sum.","start_word":1039,"end_word":1369,"sentiment":"neutral","sentiment_score":0.16470159653270353},{"text":"You passed away. You never work again.","start_word":1370,"end_word":1376,"sentiment":"negative","sentiment_score":-0.5000024437904358},{"text":"Here's a bit over a mill sorry, 0.5 a mill. So you kind of pay off the mortgage and things like that.","start_word":1377,"end_word":1398,"sentiment":"neutral","sentiment_score":0.1013600379228592},{"text":"You've also got the biggest price that you've got is the income protection.","start_word":1399,"end_word":1411,"sentiment":"positive","sentiment_score":0.36994269490242},{"text":"So that's covering you for 6,178 a month worth of cover that you would get. If you were out of work for thirteen weeks, it would kick in monthly for up to five years. Now what that kind of does, that's protecting an income of about 98,000 on paper. Okay. When I'm looking at your details that we've got on file, I noted that you were doing, sorry, concrete in work, but you were also kind of the director and owner of the business. Is that right? BMD? BMD, I was only an employee for I was Okay. I am star And I you am Star Industries. say that one again. Sorry. Industry Star Industries. the industries. Yeah. S t a r. Perfect. That's one that you own. And I do see contributions coming in. Is that coming from BND, or is that you you're sort of paying yourself wages and super out Next. of the half? That should that should be from DAS Labor Hire. I'll finish with DMD. The job's finished. Yep. Okay. That's labor hire. That's what's coming in there. And you know how we've just kind of gone past the end of financial year? Do you know what you kind of ended up on income wise for the last twelve months? Mate, I'll have to have a look on myGov. Yep. No worries. Just because, again, if you cover the 98,000, but you're only at 50, then you'd be over insured. If you earn a $150, well, then you're you're under insured or it's covered for that maximum amount. So I'll send through the certificate of currency there Right. and just a little bit of a breakdown of what we've talked about in the email just to give you a bit of a discussion to have with your partner. Okay. Cool. No dramas. Is there anything that I can kind of help with at the moment? Any questions at this point? Not really, mate. I'll I'll send that stuff through, and I'll I'll I'll go through it with her, and I'll I'll I'll I'll get a couple of questions together to to find out anything else that I need to find out.","start_word":1412,"end_word":1777,"sentiment":"neutral","sentiment_score":0.046880925756171754},{"text":"That'd be perfect. And then from there, I'm more than happy to have another chat with you guys and just kinda work out what we can do and best option for you. Too easy. Beautiful, mate. Thank you so much for your time tonight. Keep an ear out for that email, and I'll talk to you soon. No worries. Thanks so much for the call. No worries at all, Adam. Talk to you soon, mate. Cheers. Yeah, buddy.","start_word":1778,"end_word":1855,"sentiment":"positive","sentiment_score":0.5129811396965613},{"text":"Bye.","start_word":1856,"end_word":1856,"sentiment":"neutral","sentiment_score":0.29143470525741577}],"average":{"sentiment":"neutral","sentiment_score":0.05892908454368959}}}}