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Before I go any further, I just want to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And may I please get you to confirm your full name, date of birth, and address, please? Wonderful. Thank you for confirming that. I appreciate that. The purpose of my call today is to run through your annual review that we have booked in. Do you still have time to complete that now? Okay. Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion. Sorry. Sorry. I do have that often, that feedback. So let me see if I can just turn the volume up. Is that a bit better? Only let's see. Is that better? Okay. Alright. What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update. Is that okay? Okay. We have your marital status as single. Is that correct? Yes. Okay. And we have your brother, Mehul. Is that how I say it? I'm sorry for any mispronunciation. Yeah. As your next of kin with his phone number ending in 312. Is that correct? Thank you. So, previously, we had your occupation down as an IT consultant. Is that still correct? And you were previously employed by Talent International that contracted you to Services Australia. Is that correct, or has that changed? Okay. Who's your employer now? Alright. Thank you for that. And are you employed full time? Yes. And your income, we had it at 257,250. I okay. One 80. Including super. Okay. I would make a note of that. Do you have any additional EBA arrangements with your employer where you get additional superannuation or any financial restrictions on your your income? No? Okay. Previously, we had here that you weren't sure of what your expenditure was per week for your living expenses or what your savings were per week. Do you have any idea of what those may be now? Yes. Yes. Okay. How much how much do you estimate you save per week or per fortnight, whatever your frequency would be? Okay. Okay. Okay. And if okay. So that that is that your offset account? Yeah. What is the balance of your Ofsec account? We had it at 250,000. We had it previously at 250,000. Is that still correct? Another 30? So $2.80? Yep. Okay. I have two cars here listed at that being valued at 35,000. Would that be correct? Okay. And I've got three investment properties here. One at Oceana Drive, one at Alexandria Circuit, and one in South Morang. Are they still current? Okay. Any more investment properties or the three? Okay. I have I just I'll run through quickly what we've got them listed as being valued at and the debt against them to make sure it's correct. So Oceania Drive, we have valued at 1,200,000 with a debt of 745,000. We've got eight Alexandria Circuit valued at 550,000 with a debt of 386,000, and South Morang at 1,100,000 with a debt of $5,549,000. Are they all still correct? Yep. Okay. And we've got your home here at Shearwater Drive valued at 800,000 with a debt attached of 267,000. Is that still correct? 300? Okay. Do you know how much rent you get from each property? Which one would that so Alexandra Circuit was $6.90, did you say, or 5 hundred? 500. Yes. Okay. Thank thank you for that. That helps. So just keep the information up to date for you. I just move on to quickly the health life health and lifestyle questions. I have you down as a nonsmoker. Is that still correct? Yeah. Do you have any private health insurance? Beautiful. Do you have any significant injuries or illnesses and or take any medication? No. And do you have a will or power of attorney? Okay. Yep. Yeah. So what what I can do with that is definitely assist in getting you in contact with a lawyer who can get those established. Now I note that you have one dependent. Is that a child? Yeah. What's their name? How do I spell that? Okay. And how old? Yes. So a minor. Okay. What we can do is I'm gonna send you a brochure for a professional partner that we do work with. Cost wise, there it's a very reasonable cost compared to some of the costs that I've seen out there. They will give you advice on creating your will. The best way to have things structured for your daughter should that sorry. I'm assuming that will be your beneficiary. Your son. Sorry, son. Sorry. And make sure it's all structured in a way that it's protected for him. So I will I'll send you that brochure for you to have a read of. You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you. They can do that virtually and over the phone. Yeah. Okay. So what happens is is you'll create a will. It doesn't necessarily get registered anywhere, but during the process, you'll nominate someone called an executor. So that person is responsible for administering your will, so making sure that your wishes are carried out. Typically, it would be someone that you trust, you know, will do the right thing, and you would always let them know where a copy of your will is. Your solicitor, the people that write it, will also hold a copy for you, and you can always just say to your executor, reach out to x y zed if anything happens to me. So it's not registered. You should always make sure that somebody is aware of where you keep it, and that also the solicitors can keep it on file for you. Okay. It's whoever you choose. So the executor is just responsible for making sure that the assets are distributed as per your will. So it could be your brother, for example, that you've got nominated as your next of kin. It could be a friend. It could even be a solicitor if you want it to be. It it'll be set up, and the the lawyers will talk you through what options you have in relation to that to make sure that it it's set up the way that you feel comfortable. Yeah. Yeah. You can you can work with anybody you like. I'm just gonna send you a brochure of somebody that we work with that we do know provides great services at a great cost. If you decide to go somewhere else, that is absolutely fine. It's just an information brochure for you. Your choice. You can nominate the solicitors to be your executor. It will come at a cost, or you can nominate an individual within your circle to be the executor of your estate. Mhmm. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. You can definitely do that. 100%. 100%. So, yes, that's correct. So what the solicitors will talk they will give you advice specifically in relation to this. What you're referring to is called a testamentary trust, and it's where it can you can nominate trustees. So they could be people, again, or a solicitor who will be responsible for making sure that that is protected and he is not taken advantage of. So, definitely, if that's something that's high on your radar at the moment, I will get that sent through to you because that's a common a common structure with minor children. But, again, you you mentioned you don't want him to be taken advantage of financially, so it's probably even more suitable that you discuss that with the solicitor as well. Yes. Of course. Okay. I will get that sent across to you so you can make those have a rate of it and reach out and make those put get those arrangements in place because they are really important given that you've got a minor son that your estate would pass to. And if those if those documents aren't in place, for example, the funds may end up being managed by somebody that you don't wish them to be managed by. Okay. Yes. Yes. Of course. Okay. Yes. So what we what we would do first and foremost is you have no beneficiary nomination on your super fund. So we're gonna look at not making a nomination. You can do that to your son in the meantime. What that means is we can request that if something happened to you, we could request that it be paid as a child pension. So it'd be just a regular income stream. But once you have your will and power of attorney established, depending on how the solicitors have set it up, they may say change your beneficiary in your in your super fund to your estate so it can be distributed to the trust to your son. So for the time being, I'd probably recommend you well, not recommend, but your options are limited at this point in nominating your son as your beneficiary on your super until your will is in place. Okay? Okay. Does that make sense? Once your will is in place, we can update it to your estate if that's what the solicitor says to make sure that they're not all distributed through the trust if that's what the advice is. It doesn't take long. It would the the process would be solely dependent on the sharing of information. So if they needed certain information, how quickly you got it back to them, they'd be able to give you their time frames. But, typically, they're not a significant time consuming process. It it could I I suspect it would be done in a pretty quick turnaround. Of course. Mhmm. Typically, what will happen is upon somebody passing away for I could just give an example, basically. Your brother may be going through your paperwork and see a reference to us or your superannuation. Contact us. They'll contact a solicitor. Usually, what people do do is you get your will, your power of attorney, a list of assets or documents that are important and have them together in the one place. You can you can you can share a electronic copy of your will with your executor if you're concerned about and say, you know, it's with the solicitors. Here's their details. There's many ways, but upon this, your executor will be responsible to reach out and make sure that everything is distributed and actioned. So, typically, we'd get a copy of the will. And a death certificate would then submit that to the superannuation funds and insurance companies. If relevant, arrange for those to get paid out to the estate or to the beneficiary, and we would work with your executor to make that happen. Yeah. So there's many different ways. And and, again, a lawyer would be able to give you probably some more, what, case study examples of what they say and details. So they might, for example, say we've had clients do this option and this option. So they'll be able to provide you a lot more guidance on what what how to share it and where to save it and those types of details. Okay. Any other questions about estate planning? I'll just make make sure that that goes off to you straight away after our meeting. Okay. Lovely. So I've got a few goals and objectives here that from your last review, and I just wanna run through them with you to see if they're still relevant or if they've changed slightly to make sure that we're we've got them all up to date. Is that okay? Alright. Yep. Okay. Sounds alright. What I might do is just for your superannuation, you said that your super is an added bonus for you in retirement. That's how you see it, that you wanna grow focus on gross within your super while you still have time. Given that accessing Yes? Yes. So the high yep. So that's your current risk profile now, high growth. So you're comfortable with maintaining that? No. '60. Based on today's legislation, it's '60. Yes. Yes. Yes. Okay. So you're you're comfortable to still invest in that type of risk profile? Yeah. Okay. You and you understand it well with the time frame, the exposure to growth assets, the level of risk taken in that your portfolio. You under do you understand that, or would you like me to run through that? Yep. Okay. Beautiful. That is entirely a a consideration for yourself. How would you look at managing it yourself? What would be your your approach? Is do you mean as in a self managed super fund or just taking care picking and choosing your own investment? Mhmm. Yeah. Okay. So you'd be looking at at managing, like, choosing the investment options as yourself. Is that correct? Yep. Mhmm. Are you tied to investment property, or would be open to commercial property? Yeah. Okay. So with the superannuation environment, the self managed super fund commercial property is still okay. What I would probably flag with you is that you're looking at your overall wealth, you're very heavily weighted overweighted in property. So that means diversification wise, should the property market plummet at any point during or approaching your retirement, your retirement's gonna be significantly impacted. So I do have concerns in relation to the lack of diversification if you were to use your if you were to use your superannuation as well to go down a property path. Your superannuation at the moment is offering you a bit of diversification because you've got access to some shares, both Australian and international and some fixed interest, which aren't tied to the property market. So by investing further into more property, my my professional concern would be putting it simply. You're gonna have all your eggs in one basket. That's not to say that should you decide that that's best for you, that you shouldn't that you can't do it. That's that's my take on the situation. So yeah. And that would be probably a decision that you would probably need to we can provide you with the information of what options are available to you. But I would say at the moment, what you have currently set up is better to help you diversify across the different sectors. Does that make sense? Yes. Mhmm. Yes. That, I would need to go and do some more research on for you so I can have a look at that. Okay. Fantastic. That's one question I can come back to you with. I can't answer that right now, but I can definitely come back to you with that. What I will do is just quickly let you know that in your emails, you'll have an email from me that's called OdooSign. It's got your review pack in it. I we're definitely gonna run out of time to complete your review. It covers your performance in the funds in your super fund. And probably one of the things I do wanna highlight is the Benelon Australian Equities Fund within your portfolio, and I would like to look at reviewing and possibly rep and replacing. So with your approval, I'd like to look at that for you. That's the first one, the Benelong Australian Equities Fund. On the second page? No. I just sent you an email. It would come from. Yes. Yep. But it may say o Yes. Correct. So if you open that up and click sign, it's gonna bring up a some documents. You're not signing anything now, so don't don't worry about that. It's just gonna bring up the documents that I will quickly walk through with you. The first one is a summary of your super and insurance showing you what you have covered. The sec the second document is your perform a twelve month performance report with Hub. You'll note that the first one along the top, the Australian then along Australian Equities Fund has had a negative return. That's the one. Yes. Correct. Yes. Yes. What I would do, though, is I'm going to have a look at your income protection sum insured. If your income has reduced, it may be that we reduce your income protection to make because there's no point you paying for a benefit that you won't be paid for if you're on claim. So that that for me, when you mentioned that your income has reduced, that flagged for me that I would go and have a look at that. So that's one of the things I'll definitely look at for you. Absolutely. Absolutely would be my answer to that question because income protection covers you twenty four hours a day, seven days a week. So if you were injured outside of work, you're still covered. So how income protection works is that it will cover you for any injury or illness for your benefit period, which is five years, should you be able to not work. So due to that injury or illness. So if that and why I say absolutely is is you have mortgages and expenses to meet. If you're unable to work, it it may be that you would have to sell investment properties, and that would probably work against the wealth plan that you're you're building. Yep. So in short, definitely. Yes. Yes. That's yes. Correct. Yes. Yep. Absolutely correct. Got it nailed. Perfect. Any other questions with that? I think that okay. Yeah. So I'll look at your income protection based on your income now. The way that the life and TPD sum insured is recommended or calculated is based on some questions that we ask the clients. So in the event of this, what do you want all of your debt paid at, including the investment properties? Do you want the investment properties to be sold and the the proceeds put aside for your son? Would you like them to be maintained and kept debt free? So that's the first level of questioning. And then the second is is did you want to leave questioning. And then the second is is did you want to leave funds available for your beneficiary? So it might be did you wanna leave funds aside for university or education, or do you believe that the estate itself would meet those expenses? Yes. It is. Yes. Correct. Yes. That's correct. Repay the debt. Yep. Yes. Yes. Yep. I think at the I think probably until you it's a it's great cover to have in place for the time being. I think once you have you have some more clarity on what your estate planning looks like and what you talk through with the solicitor in relation to tax on benefits that may be payable to your beneficiary, your son, if any, then we could probably have a more detailed conversation in what we need to do in relation to your insurances and work with the solicitor to make sure that they're in place. Okay. The next document across is a performance report. Now you'll note that in this this pack, you've got a twelve month and a six month report. The very first investment option been along Australian Equities has had a negative return in the last twelve months. What we're doing with our clients at the moment is looking at suitable alternatives. The reason that that Bennelong has performed poorly is because their investment mandate states that they look at the Australian share market and companies that are undervalued and look for growth opportunities. Unfortunately, for them, the market did react in a different manner the last twelve months and favored banks and resources. So we're looking at replacing that at the moment. So with your confirmation, I'd like to take the opportunity to review your portfolio, if that's okay. At the moment, we're quite comfortable with the remainder of your policy. I will still be performing a full overview. It's more been along at the moment that we're looking at replacing. You have real you have a great exposure being your iShares S and P 500. That's your international portfolio. And your other core portfolio being the Benelong Australian Equities Fund, so your Australian share portfolio, which will be which will likely be replaced with an alternative. But outside of those, you've got a few different satellite funds that are in more niche, let's call it, sectors or so you've got your global cyber, robotics, and AI. You've got your global battery tech and lithium, which have all had great returns recently given the cost of the fuel crisis and, you know, global security with all the AI, and you would be well across that in your profession. And then you've also got the Asia and Europe exposure, giving you exposure to different economies. So at the moment, there's nothing there that raises any red flags for us except probably the Benelon, which is not necessarily a red flag. It's a sys it's an ongoing systemic return that we're looking at rectifying. So it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so. Yeah. So that's the income, so the dividends of the shares. The gross is that negative figure of 14,000. So that's the gross. It it was a negative gross figure. It lost value. Because of the income during the period, but the buys and sells. So the total earnings altogether was 13. So if you look over past the negative $14,000 figure, if you look over, your total earnings there, the 13,000 figure, that's net of fees, taxes, etcetera. So all the costs that are involved in the superannuation fund. So that negative 18.42% is net of fees. So what that what that means is that overall, your portfolio in the last twelve months did return a negative of 1.13, which in a high growth portfolio, we do expect to see in roughly one in every five years a negative return. Not overall. No. Not overall. Just for the. The overall total earnings. So the overall growth so if we look at if you go down to page two of that, can you see the total portfolio? So if you look at the one that says income in period, it says $6,680.11. And then the next two across, it says gross in period, negative $4,659.43. The difference in earnings is $2,020. So the total earnings were a positive, but then when you take away the fees being charged, so the investment management fees, the admin fees, and our adviser fee, it becomes a negative return. Yep. The next document, though, is designed to give you a little bit more relief. It's a six month performance period. So with Hub, so for the last six months, not the twelve, you'll see that the Bennelong is bouncing back the funds itself. We're still looking to replace. We're not confident maintaining the balance on Australian equity fund long term presently. So our Amanda, our philosophy is we're still looking to replace. But you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%. So you're never gonna see that column all positive. It is very, very unlikely you're ever gonna see that column as being all positive returns. The reason being is the markets, the different economies, and the different sectors, they all react differently with each other, which is why we diversify across different economies, different companies and businesses and share markets. Because when one does react in a we'll just call it a negative question that's my concern I raised before in relation to in relation to property is that you're heavily skewed for property in your personal assets that it leaves little room for diversification. So your share port your superannuation portfolio does provide a little bit of diversification for you. No. They're not the same period. So the first the first document, so the one with the negative return, is from the 09/16/2025 through to the fifteenth twenty through the 2026. The six month one is from the 03/16/2026 through to the 09/15/2026. So it's a twelve month and six month report for you. Yes. Yeah. Yeah. Significantly. Significantly. It's returning 8.27% in the last six months. And that's that's how the share and that's how the market reacts. So a little bit different with property, you don't necessarily see live prices like this. The only time you you see the live price of a property's value is when you sell it or buy it. You can have valuations in between. They're guesstimates or the the closest market appraisal you can get. So that's where the two differ a little bit in relation to valuation is you can see this today. It's a long term investment like property. So we would expect in the high growth portfolio that you're invested in and you did say that you're comfortable with is that at least in one in every five years, you will experience a negative return. Mhmm. Mhmm. Not necessarily. No. That's not so those withdrawals so if you look at the withdrawals, because that's funded through your super fund. Yep. And then you've got your fees. So what I can do post this conversation, because I do know that you're now are you are you still needing to run to that meeting, or did you want me to phone you back? Oh, okay. Sorry. I thought you said 01:30. Okay. Oh, yes. Of course. Sorry. My apologies. I will send you an actual detailed breakdown of this for you because it's the report itself is designed to give you an over haul, a high level view. Let me spend some time breaking it down for you in a little bit more detail so it's not confusing and across two different pages. I can just incorporate it into one email. Is that okay? Yeah. Okay. I'm just making a note for myself. Inbound first outgoing. Okay. Fantastic. The Vanguard index chart is the next document there. It is a visual tool that we like to share with our clients. So, again, I'll refer back to your high growth portfolio. That is where we would see 90% of your assets invested in a in the growth sector with 10% in your defensive. So down the right hand side of this document, you'll see there's four assets listed at the top being US shares, Australian shares, international, and Australian listed property. They're your growth they're your growth assets where we would see approximately 90% of your funds typically invested in. The remaining 10% would see in Australian bonds and cash being your defensive assets. So over the long term, you would see that they don't experience significant growth, and they do experience less volatility, whereas your gross assets long term provide the growth for you. Also, an income component as well, that's where we like to confirm that you're comfortable with that that allocation to risk because you will experience market fluctuations and volatility. In a high growth portfolio, we suggest a minimum time frame investment of eight years to be able to withstand more as an education tool to make sure clients are fully aware that the market you are going to, without a doubt, experience volatility. That that's the one thing that I can categorically say hand on heart will happen. You will also see that a lot of those volatility events coincide with world events. You've got COVID as an as an example, the GFC, for example, that hit nearly every single market. And COVID, for example, is a is a great example. You know, it it it significantly had a drop in the market that you'll note probably from your own experience as well. Property Australian property market prices soared. So when one market typically has an impact, another market typically has the opposite effect. So I I guess the reason why I'm spending a bit of time on this is that I do wanna just make sure that you are happy with the high growth portfolio and the volatility because you are going to experience negative returns, and I just need to make sure that you are 100% comfortable with that because I I don't feel I I'm not sure that we're from the the negative returns you've experienced in the last twelve months, but I feel like we should spend some more time on how you can experience negative negative losses and ensure that you're comfortable. Yeah. Yeah. Yeah. And which document are we up to now? Oh, that's okay. Oh, you're at the very last document. Yep. Okay. Just let me let me cover off on these these two before that. Your TEL certificate of currency is it just outlines again to you what was on the first page that your policy's current in place and the cost of it. The next document is the financial services guide. So that what that document is is it tells you who we are, who we're licensed by that we're licensed by ASIC, the types of advice we can provide, and how we provide it along with if you're unhappy with any services provided, how you can make a complaint and the complaints process. The ongoing serve ongoing fee document, I am not let I'm gonna jump into Hub quickly and see what you've been charged in the past. My apologies because I don't have that at hand. Give me one second, please. What I might do instead of keeping you on the phone is confirm in the email that I'm gonna send you with everything else is confirm in an email in writing for you because I don't have access that I don't get given I I don't have access at hand to last year's fees. But if my if my system wants to play nice with me today and let me log in the first time instead of a couple of times that it made me do earlier this morning, I should be able to give you an answer. Sorry. It won't be a second. What I might do with you, if it's okay, is I'm having trouble with getting my computer to log in to Hub at the moment, is I might put that in an email for you as well. Is that okay? And yeah. Then that way I can just cross it off on all one one message for you. I'm still not getting in there. So no. Okay. I will get this to you this afternoon anyhow with a breakdown of all that information we've talked about. Just with the adviser service fees, when I do come back to you, if you're happy to proceed and remain a client of Oakview Financial, once you've had a chance to review the information that I'm gonna email to you, you will need you will need to sign that. That fee there is per annum. What actually happens to it is is it's broken. It's divided by 12 and paid monthly. So it is not a and it's a fixed fee, whereas in the past, it was probably a percent based fee, and it fluctuated with the market. So this so we've moved our fee structure to your next annual review. Yeah. Yep. Yeah. Of course. I'm trying still as we speak to get in logged in. So I will get this to you as soon as possible, and you can have a review of it. And if you have any questions, feel free to send an email back or or or phone back, and I can run through it with you over the phone before you sign any documents or make any further decisions. That, I will have to get an answer for you because I am not entirely sure how that process works, but I will definitely get that information I can give you that factual information based on your income that you gave me. That's no problem at all. Alright. Thanks for your time. I appreciate it. Enjoy your afternoon, and I'll email you shortly. Okay. Bye. 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Is this Rahul? This is Jenna from Oakview Financial. How are you today? I'm well.\n\nThank you. Before I go any further, I just want to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And may I please get you to confirm your full name, date of birth, and address, please?\n\nWonderful. Thank you for confirming that. I appreciate that. The purpose of my call today is to run through your annual review that we have booked in. Do you still have time to complete that now?\n\nOkay. Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion. Sorry. Sorry. I do have that often, that feedback.\n\nSo let me see if I can just turn the volume up. Is that a bit better? Only let's see. Is that better? Okay.\n\nAlright. What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update. Is that okay? Okay. We have your marital status as single.\n\nIs that correct? Yes. Okay. And we have your brother, Mehul. Is that how I say it?\n\nI'm sorry for any mispronunciation. Yeah. As your next of kin with his phone number ending in 312. Is that correct? Thank you.\n\nSo, previously, we had your occupation down as an IT consultant. Is that still correct? And you were previously employed by Talent International that contracted you to Services Australia. Is that correct, or has that changed? Okay.\n\nWho's your employer now? Alright. Thank you for that. And are you employed full time? Yes.\n\nAnd your income, we had it at 257,250. I okay. One 80. Including super. Okay.\n\nI would make a note of that. Do you have any additional EBA arrangements with your employer where you get additional superannuation or any financial restrictions on your your income? No? Okay. Previously, we had here that you weren't sure of what your expenditure was per week for your living expenses or what your savings were per week.\n\nDo you have any idea of what those may be now? Yes. Yes. Okay. How much how much do you estimate you save per week or per fortnight, whatever your frequency would be?\n\nOkay. Okay. Okay. And if okay. So that that is that your offset account?\n\nYeah. What is the balance of your Ofsec account? We had it at 250,000. We had it previously at 250,000. Is that still correct?\n\nAnother 30? So $2.80? Yep. Okay. I have two cars here listed at that being valued at 35,000.\n\nWould that be correct? Okay. And I've got three investment properties here. One at Oceana Drive, one at Alexandria Circuit, and one in South Morang. Are they still current?\n\nOkay. Any more investment properties or the three? Okay. I have I just I'll run through quickly what we've got them listed as being valued at and the debt against them to make sure it's correct. So Oceania Drive, we have valued at 1,200,000 with a debt of 745,000.\n\nWe've got eight Alexandria Circuit valued at 550,000 with a debt of 386,000, and South Morang at 1,100,000 with a debt of $5,549,000. Are they all still correct? Yep. Okay. And we've got your home here at Shearwater Drive valued at 800,000 with a debt attached of 267,000.\n\nIs that still correct? 300? Okay. Do you know how much rent you get from each property? Which one would that so Alexandra Circuit was $6.90, did you say, or 5 hundred?\n\n500. Yes. Okay. Thank thank you for that. That helps.\n\nSo just keep the information up to date for you. I just move on to quickly the health life health and lifestyle questions. I have you down as a nonsmoker. Is that still correct? Yeah.\n\nDo you have any private health insurance? Beautiful. Do you have any significant injuries or illnesses and or take any medication? No. And do you have a will or power of attorney?\n\nOkay. Yep. Yeah. So what what I can do with that is definitely assist in getting you in contact with a lawyer who can get those established. Now I note that you have one dependent.\n\nIs that a child? Yeah. What's their name? How do I spell that? Okay.\n\nAnd how old? Yes. So a minor. Okay. What we can do is I'm gonna send you a brochure for a professional partner that we do work with.\n\nCost wise, there it's a very reasonable cost compared to some of the costs that I've seen out there. They will give you advice on creating your will. The best way to have things structured for your daughter should that sorry. I'm assuming that will be your beneficiary. Your son.\n\nSorry, son. Sorry. And make sure it's all structured in a way that it's protected for him. So I will I'll send you that brochure for you to have a read of. You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you.\n\nThey can do that virtually and over the phone. Yeah. Okay. So what happens is is you'll create a will. It doesn't necessarily get registered anywhere, but during the process, you'll nominate someone called an executor.\n\nSo that person is responsible for administering your will, so making sure that your wishes are carried out. Typically, it would be someone that you trust, you know, will do the right thing, and you would always let them know where a copy of your will is. Your solicitor, the people that write it, will also hold a copy for you, and you can always just say to your executor, reach out to x y zed if anything happens to me. So it's not registered. You should always make sure that somebody is aware of where you keep it, and that also the solicitors can keep it on file for you.\n\nOkay. It's whoever you choose. So the executor is just responsible for making sure that the assets are distributed as per your will. So it could be your brother, for example, that you've got nominated as your next of kin. It could be a friend.\n\nIt could even be a solicitor if you want it to be. It it'll be set up, and the the lawyers will talk you through what options you have in relation to that to make sure that it it's set up the way that you feel comfortable. Yeah. Yeah. You can you can work with anybody you like.\n\nI'm just gonna send you a brochure of somebody that we work with that we do know provides great services at a great cost. If you decide to go somewhere else, that is absolutely fine. It's just an information brochure for you. Your choice. You can nominate the solicitors to be your executor.\n\nIt will come at a cost, or you can nominate an individual within your circle to be the executor of your estate. Mhmm. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYou can definitely do that. 100%. 100%. So, yes, that's correct. So what the solicitors will talk they will give you advice specifically in relation to this.\n\nWhat you're referring to is called a testamentary trust, and it's where it can you can nominate trustees. So they could be people, again, or a solicitor who will be responsible for making sure that that is protected and he is not taken advantage of. So, definitely, if that's something that's high on your radar at the moment, I will get that sent through to you because that's a common a common structure with minor children. But, again, you you mentioned you don't want him to be taken advantage of financially, so it's probably even more suitable that you discuss that with the solicitor as well. Yes.\n\nOf course. Okay. I will get that sent across to you so you can make those have a rate of it and reach out and make those put get those arrangements in place because they are really important given that you've got a minor son that your estate would pass to. And if those if those documents aren't in place, for example, the funds may end up being managed by somebody that you don't wish them to be managed by. Okay.\n\nYes. Yes. Of course. Okay. Yes.\n\nSo what we what we would do first and foremost is you have no beneficiary nomination on your super fund. So we're gonna look at not making a nomination. You can do that to your son in the meantime. What that means is we can request that if something happened to you, we could request that it be paid as a child pension. So it'd be just a regular income stream.\n\nBut once you have your will and power of attorney established, depending on how the solicitors have set it up, they may say change your beneficiary in your in your super fund to your estate so it can be distributed to the trust to your son. So for the time being, I'd probably recommend you well, not recommend, but your options are limited at this point in nominating your son as your beneficiary on your super until your will is in place. Okay? Okay. Does that make sense?\n\nOnce your will is in place, we can update it to your estate if that's what the solicitor says to make sure that they're not all distributed through the trust if that's what the advice is. It doesn't take long. It would the the process would be solely dependent on the sharing of information. So if they needed certain information, how quickly you got it back to them, they'd be able to give you their time frames. But, typically, they're not a significant time consuming process.\n\nIt it could I I suspect it would be done in a pretty quick turnaround. Of course. Mhmm. Typically, what will happen is upon somebody passing away for I could just give an example, basically. Your brother may be going through your paperwork and see a reference to us or your superannuation.\n\nContact us. They'll contact a solicitor. Usually, what people do do is you get your will, your power of attorney, a list of assets or documents that are important and have them together in the one place. You can you can you can share a electronic copy of your will with your executor if you're concerned about and say, you know, it's with the solicitors. Here's their details.\n\nThere's many ways, but upon this, your executor will be responsible to reach out and make sure that everything is distributed and actioned. So, typically, we'd get a copy of the will. And a death certificate would then submit that to the superannuation funds and insurance companies. If relevant, arrange for those to get paid out to the estate or to the beneficiary, and we would work with your executor to make that happen. Yeah.\n\nSo there's many different ways. And and, again, a lawyer would be able to give you probably some more, what, case study examples of what they say and details. So they might, for example, say we've had clients do this option and this option. So they'll be able to provide you a lot more guidance on what what how to share it and where to save it and those types of details. Okay.\n\nAny other questions about estate planning? I'll just make make sure that that goes off to you straight away after our meeting. Okay. Lovely. So I've got a few goals and objectives here that from your last review, and I just wanna run through them with you to see if they're still relevant or if they've changed slightly to make sure that we're we've got them all up to date.\n\nIs that okay? Alright. Yep. Okay. Sounds alright.\n\nWhat I might do is just for your superannuation, you said that your super is an added bonus for you in retirement. That's how you see it, that you wanna grow focus on gross within your super while you still have time. Given that accessing Yes? Yes. So the high yep.\n\nSo that's your current risk profile now, high growth. So you're comfortable with maintaining that? No. '60. Based on today's legislation, it's '60.\n\nYes. Yes. Yes. Okay. So you're you're comfortable to still invest in that type of risk profile?\n\nYeah. Okay. You and you understand it well with the time frame, the exposure to growth assets, the level of risk taken in that your portfolio. You under do you understand that, or would you like me to run through that? Yep.\n\nOkay. Beautiful. That is entirely a a consideration for yourself. How would you look at managing it yourself? What would be your your approach?\n\nIs do you mean as in a self managed super fund or just taking care picking and choosing your own investment? Mhmm. Yeah. Okay. So you'd be looking at at managing, like, choosing the investment options as yourself.\n\nIs that correct? Yep. Mhmm. Are you tied to investment property, or would be open to commercial property? Yeah.\n\nOkay. So with the superannuation environment, the self managed super fund commercial property is still okay. What I would probably flag with you is that you're looking at your overall wealth, you're very heavily weighted overweighted in property. So that means diversification wise, should the property market plummet at any point during or approaching your retirement, your retirement's gonna be significantly impacted. So I do have concerns in relation to the lack of diversification if you were to use your if you were to use your superannuation as well to go down a property path.\n\nYour superannuation at the moment is offering you a bit of diversification because you've got access to some shares, both Australian and international and some fixed interest, which aren't tied to the property market. So by investing further into more property, my my professional concern would be putting it simply. You're gonna have all your eggs in one basket. That's not to say that should you decide that that's best for you, that you shouldn't that you can't do it. That's that's my take on the situation.\n\nSo yeah. And that would be probably a decision that you would probably need to we can provide you with the information of what options are available to you. But I would say at the moment, what you have currently set up is better to help you diversify across the different sectors. Does that make sense? Yes.\n\nMhmm. Yes. That, I would need to go and do some more research on for you so I can have a look at that. Okay. Fantastic.\n\nThat's one question I can come back to you with. I can't answer that right now, but I can definitely come back to you with that. What I will do is just quickly let you know that in your emails, you'll have an email from me that's called OdooSign. It's got your review pack in it. I we're definitely gonna run out of time to complete your review.\n\nIt covers your performance in the funds in your super fund. And probably one of the things I do wanna highlight is the Benelon Australian Equities Fund within your portfolio, and I would like to look at reviewing and possibly rep and replacing. So with your approval, I'd like to look at that for you. That's the first one, the Benelong Australian Equities Fund. On the second page?\n\nNo. I just sent you an email. It would come from. Yes. Yep.\n\nBut it may say o Yes. Correct. So if you open that up and click sign, it's gonna bring up a some documents. You're not signing anything now, so don't don't worry about that. It's just gonna bring up the documents that I will quickly walk through with you.\n\nThe first one is a summary of your super and insurance showing you what you have covered. The sec the second document is your perform a twelve month performance report with Hub. You'll note that the first one along the top, the Australian then along Australian Equities Fund has had a negative return. That's the one. Yes.\n\nCorrect. Yes. Yes. What I would do, though, is I'm going to have a look at your income protection sum insured. If your income has reduced, it may be that we reduce your income protection to make because there's no point you paying for a benefit that you won't be paid for if you're on claim.\n\nSo that that for me, when you mentioned that your income has reduced, that flagged for me that I would go and have a look at that. So that's one of the things I'll definitely look at for you. Absolutely. Absolutely would be my answer to that question because income protection covers you twenty four hours a day, seven days a week. So if you were injured outside of work, you're still covered.\n\nSo how income protection works is that it will cover you for any injury or illness for your benefit period, which is five years, should you be able to not work. So due to that injury or illness. So if that and why I say absolutely is is you have mortgages and expenses to meet. If you're unable to work, it it may be that you would have to sell investment properties, and that would probably work against the wealth plan that you're you're building. Yep.\n\nSo in short, definitely. Yes. Yes. That's yes. Correct.\n\nYes. Yep. Absolutely correct. Got it nailed. Perfect.\n\nAny other questions with that? I think that okay. Yeah. So I'll look at your income protection based on your income now. The way that the life and TPD sum insured is recommended or calculated is based on some questions that we ask the clients.\n\nSo in the event of this, what do you want all of your debt paid at, including the investment properties? Do you want the investment properties to be sold and the the proceeds put aside for your son? Would you like them to be maintained and kept debt free? So that's the first level of questioning. And then the second is is did you want to leave questioning.\n\nAnd then the second is is did you want to leave funds available for your beneficiary? So it might be did you wanna leave funds aside for university or education, or do you believe that the estate itself would meet those expenses? Yes. It is. Yes.\n\nCorrect. Yes. That's correct. Repay the debt. Yep.\n\nYes. Yes. Yep. I think at the I think probably until you it's a it's great cover to have in place for the time being. I think once you have you have some more clarity on what your estate planning looks like and what you talk through with the solicitor in relation to tax on benefits that may be payable to your beneficiary, your son, if any, then we could probably have a more detailed conversation in what we need to do in relation to your insurances and work with the solicitor to make sure that they're in place.\n\nOkay. The next document across is a performance report. Now you'll note that in this this pack, you've got a twelve month and a six month report. The very first investment option been along Australian Equities has had a negative return in the last twelve months. What we're doing with our clients at the moment is looking at suitable alternatives.\n\nThe reason that that Bennelong has performed poorly is because their investment mandate states that they look at the Australian share market and companies that are undervalued and look for growth opportunities. Unfortunately, for them, the market did react in a different manner the last twelve months and favored banks and resources. So we're looking at replacing that at the moment. So with your confirmation, I'd like to take the opportunity to review your portfolio, if that's okay. At the moment, we're quite comfortable with the remainder of your policy.\n\nI will still be performing a full overview. It's more been along at the moment that we're looking at replacing. You have real you have a great exposure being your iShares S and P 500. That's your international portfolio. And your other core portfolio being the Benelong Australian Equities Fund, so your Australian share portfolio, which will be which will likely be replaced with an alternative.\n\nBut outside of those, you've got a few different satellite funds that are in more niche, let's call it, sectors or so you've got your global cyber, robotics, and AI. You've got your global battery tech and lithium, which have all had great returns recently given the cost of the fuel crisis and, you know, global security with all the AI, and you would be well across that in your profession. And then you've also got the Asia and Europe exposure, giving you exposure to different economies. So at the moment, there's nothing there that raises any red flags for us except probably the Benelon, which is not necessarily a red flag. It's a sys it's an ongoing systemic return that we're looking at rectifying.\n\nSo it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so. Yeah. So that's the income, so the dividends of the shares. The gross is that negative figure of 14,000. So that's the gross.\n\nIt it was a negative gross figure. It lost value. Because of the income during the period, but the buys and sells. So the total earnings altogether was 13. So if you look over past the negative $14,000 figure, if you look over, your total earnings there, the 13,000 figure, that's net of fees, taxes, etcetera.\n\nSo all the costs that are involved in the superannuation fund. So that negative 18.42% is net of fees. So what that what that means is that overall, your portfolio in the last twelve months did return a negative of 1.13, which in a high growth portfolio, we do expect to see in roughly one in every five years a negative return. Not overall. No.\n\nNot overall. Just for the. The overall total earnings. So the overall growth so if we look at if you go down to page two of that, can you see the total portfolio? So if you look at the one that says income in period, it says $6,680.11.\n\nAnd then the next two across, it says gross in period, negative $4,659.43. The difference in earnings is $2,020. So the total earnings were a positive, but then when you take away the fees being charged, so the investment management fees, the admin fees, and our adviser fee, it becomes a negative return. Yep. The next document, though, is designed to give you a little bit more relief.\n\nIt's a six month performance period. So with Hub, so for the last six months, not the twelve, you'll see that the Bennelong is bouncing back the funds itself. We're still looking to replace. We're not confident maintaining the balance on Australian equity fund long term presently. So our Amanda, our philosophy is we're still looking to replace.\n\nBut you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%. So you're never gonna see that column all positive. It is very, very unlikely you're ever gonna see that column as being all positive returns. The reason being is the markets, the different economies, and the different sectors, they all react differently with each other, which is why we diversify across different economies, different companies and businesses and share markets. Because when one does react in a we'll just call it a negative question that's my concern I raised before in relation to in relation to property is that you're heavily skewed for property in your personal assets that it leaves little room for diversification.\n\nSo your share port your superannuation portfolio does provide a little bit of diversification for you. No. They're not the same period. So the first the first document, so the one with the negative return, is from the 09/16/2025 through to the fifteenth twenty through the 2026. The six month one is from the 03/16/2026 through to the 09/15/2026.\n\nSo it's a twelve month and six month report for you. Yes. Yeah. Yeah. Significantly.\n\nSignificantly. It's returning 8.27% in the last six months. And that's that's how the share and that's how the market reacts. So a little bit different with property, you don't necessarily see live prices like this. The only time you you see the live price of a property's value is when you sell it or buy it.\n\nYou can have valuations in between. They're guesstimates or the the closest market appraisal you can get. So that's where the two differ a little bit in relation to valuation is you can see this today. It's a long term investment like property. So we would expect in the high growth portfolio that you're invested in and you did say that you're comfortable with is that at least in one in every five years, you will experience a negative return.\n\nMhmm. Mhmm. Not necessarily. No. That's not so those withdrawals so if you look at the withdrawals, because that's funded through your super fund.\n\nYep. And then you've got your fees. So what I can do post this conversation, because I do know that you're now are you are you still needing to run to that meeting, or did you want me to phone you back? Oh, okay. Sorry.\n\nI thought you said 01:30. Okay. Oh, yes. Of course. Sorry.\n\nMy apologies. I will send you an actual detailed breakdown of this for you because it's the report itself is designed to give you an over haul, a high level view. Let me spend some time breaking it down for you in a little bit more detail so it's not confusing and across two different pages. I can just incorporate it into one email. Is that okay?\n\nYeah. Okay. I'm just making a note for myself. Inbound first outgoing. Okay.\n\nFantastic. The Vanguard index chart is the next document there. It is a visual tool that we like to share with our clients. So, again, I'll refer back to your high growth portfolio. That is where we would see 90% of your assets invested in a in the growth sector with 10% in your defensive.\n\nSo down the right hand side of this document, you'll see there's four assets listed at the top being US shares, Australian shares, international, and Australian listed property. They're your growth they're your growth assets where we would see approximately 90% of your funds typically invested in. The remaining 10% would see in Australian bonds and cash being your defensive assets. So over the long term, you would see that they don't experience significant growth, and they do experience less volatility, whereas your gross assets long term provide the growth for you. Also, an income component as well, that's where we like to confirm that you're comfortable with that that allocation to risk because you will experience market fluctuations and volatility.\n\nIn a high growth portfolio, we suggest a minimum time frame investment of eight years to be able to withstand more as an education tool to make sure clients are fully aware that the market you are going to, without a doubt, experience volatility. That that's the one thing that I can categorically say hand on heart will happen. You will also see that a lot of those volatility events coincide with world events. You've got COVID as an as an example, the GFC, for example, that hit nearly every single market. And COVID, for example, is a is a great example.\n\nYou know, it it it significantly had a drop in the market that you'll note probably from your own experience as well. Property Australian property market prices soared. So when one market typically has an impact, another market typically has the opposite effect. So I I guess the reason why I'm spending a bit of time on this is that I do wanna just make sure that you are happy with the high growth portfolio and the volatility because you are going to experience negative returns, and I just need to make sure that you are 100% comfortable with that because I I don't feel I I'm not sure that we're from the the negative returns you've experienced in the last twelve months, but I feel like we should spend some more time on how you can experience negative negative losses and ensure that you're comfortable. Yeah.\n\nYeah. Yeah. And which document are we up to now? Oh, that's okay. Oh, you're at the very last document.\n\nYep. Okay. Just let me let me cover off on these these two before that. Your TEL certificate of currency is it just outlines again to you what was on the first page that your policy's current in place and the cost of it. The next document is the financial services guide.\n\nSo that what that document is is it tells you who we are, who we're licensed by that we're licensed by ASIC, the types of advice we can provide, and how we provide it along with if you're unhappy with any services provided, how you can make a complaint and the complaints process. The ongoing serve ongoing fee document, I am not let I'm gonna jump into Hub quickly and see what you've been charged in the past. My apologies because I don't have that at hand. Give me one second, please. What I might do instead of keeping you on the phone is confirm in the email that I'm gonna send you with everything else is confirm in an email in writing for you because I don't have access that I don't get given I I don't have access at hand to last year's fees.\n\nBut if my if my system wants to play nice with me today and let me log in the first time instead of a couple of times that it made me do earlier this morning, I should be able to give you an answer. Sorry. It won't be a second. What I might do with you, if it's okay, is I'm having trouble with getting my computer to log in to Hub at the moment, is I might put that in an email for you as well. Is that okay?\n\nAnd yeah. Then that way I can just cross it off on all one one message for you. I'm still not getting in there. So no. Okay.\n\nI will get this to you this afternoon anyhow with a breakdown of all that information we've talked about. Just with the adviser service fees, when I do come back to you, if you're happy to proceed and remain a client of Oakview Financial, once you've had a chance to review the information that I'm gonna email to you, you will need you will need to sign that. That fee there is per annum. What actually happens to it is is it's broken. It's divided by 12 and paid monthly.\n\nSo it is not a and it's a fixed fee, whereas in the past, it was probably a percent based fee, and it fluctuated with the market. So this so we've moved our fee structure to your next annual review. Yeah. Yep. Yeah.\n\nOf course. I'm trying still as we speak to get in logged in. So I will get this to you as soon as possible, and you can have a review of it. And if you have any questions, feel free to send an email back or or or phone back, and I can run through it with you over the phone before you sign any documents or make any further decisions. That, I will have to get an answer for you because I am not entirely sure how that process works, but I will definitely get that information I can give you that factual information based on your income that you gave me.\n\nThat's no problem at all. Alright. Thanks for your time. I appreciate it. Enjoy your afternoon, and I'll email you shortly.\n\nOkay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.016936112195253372},{"text":"Is this Rahul?","start":3.36,"end":4.42,"sentiment":"neutral","sentiment_score":0.022783648843566578},{"text":"This is Jenna from Oakview Financial.","start":6.3999996,"end":8.5,"sentiment":"neutral","sentiment_score":0.1302332989871502},{"text":"How are you today?","start":8.559999,"end":9.54,"sentiment":"neutral","sentiment_score":0.15932904556393623},{"text":"I'm well.","start":11.679999,"end":12.32,"sentiment":"positive","sentiment_score":0.5440544486045837}],"sentiment":"neutral","sentiment_score":0.16200699575711042,"num_words":16,"start":2.8,"end":12.32},{"sentences":[{"text":"Thank you.","start":12.32,"end":13.139999,"sentiment":"positive","sentiment_score":0.5362268090248108},{"text":"Before I go any further, I just want to let you know that our calls are recorded for quality and coaching purposes.","start":13.455,"end":19.235,"sentiment":"neutral","sentiment_score":0.05949850363487547},{"text":"Is that okay?","start":19.295,"end":20.115,"sentiment":"neutral","sentiment_score":0.07634099572896957},{"text":"Beautiful.","start":22.415,"end":22.915,"sentiment":"positive","sentiment_score":0.5413815975189209},{"text":"And may I please get you to confirm your full name, date of birth, and address, please?","start":23.375,"end":29.09,"sentiment":"neutral","sentiment_score":0.12643705308437347}],"sentiment":"neutral","sentiment_score":0.11780567078126801,"num_words":45,"start":12.32,"end":29.09},{"sentences":[{"text":"Wonderful.","start":37.87,"end":38.37,"sentiment":"positive","sentiment_score":0.5613067150115967},{"text":"Thank you for confirming that.","start":38.43,"end":39.79,"sentiment":"positive","sentiment_score":0.6648689389228821},{"text":"I appreciate that.","start":39.79,"end":41.17,"sentiment":"positive","sentiment_score":0.624595582485199},{"text":"The purpose of my call today is to run through your annual review that we have booked in.","start":42.274998,"end":48.195,"sentiment":"neutral","sentiment_score":0.19573770463466644},{"text":"Do you still have time to complete that now?","start":48.195,"end":50.614998,"sentiment":"neutral","sentiment_score":0.11360127396053737}],"sentiment":"neutral","sentiment_score":0.28625356405973434,"num_words":36,"start":37.87,"end":50.614998},{"sentences":[{"text":"Okay.","start":52.995,"end":53.495,"sentiment":"neutral","sentiment_score":0.03223515674471855},{"text":"Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion.","start":54.809998,"end":68.19,"sentiment":"neutral","sentiment_score":-0.005490271939021169},{"text":"Sorry.","start":78.185,"end":78.685,"sentiment":"neutral","sentiment_score":-0.1410982757806778},{"text":"Sorry.","start":83.57,"end":83.89,"sentiment":"neutral","sentiment_score":-0.13613848388195038},{"text":"I do have that often, that feedback.","start":83.89,"end":86.229996,"sentiment":"neutral","sentiment_score":-0.060136510857513974}],"sentiment":"neutral","sentiment_score":-0.019700840765307117,"num_words":43,"start":52.995,"end":86.229996},{"sentences":[{"text":"So let me see if I can just turn the volume up.","start":86.369995,"end":89.11,"sentiment":"neutral","sentiment_score":-0.02292418262610833},{"text":"Is that a bit better?","start":89.25,"end":90.39,"sentiment":"neutral","sentiment_score":-0.035102485492825505},{"text":"Only let's see.","start":95.33,"end":97.35501,"sentiment":"neutral","sentiment_score":-0.030914755538105965},{"text":"Is that better?","start":97.35501,"end":98.415,"sentiment":"neutral","sentiment_score":-0.009410714420179525},{"text":"Okay.","start":100.955,"end":101.455,"sentiment":"neutral","sentiment_score":0.03654404357075691}],"sentiment":"neutral","sentiment_score":-0.022293124386730295,"num_words":24,"start":86.369995,"end":101.455},{"sentences":[{"text":"Alright.","start":101.915,"end":102.415,"sentiment":"neutral","sentiment_score":0.045050960034132},{"text":"What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update.","start":103.915,"end":119.119995,"sentiment":"neutral","sentiment_score":0.028324668450901907},{"text":"Is that okay?","start":119.119995,"end":119.939995,"sentiment":"neutral","sentiment_score":0.04987263555328051},{"text":"Okay.","start":122.56,"end":123.06,"sentiment":"neutral","sentiment_score":0.06640578806400299},{"text":"We have your marital status as single.","start":123.635,"end":127.555,"sentiment":"neutral","sentiment_score":0.05410842863576753}],"sentiment":"neutral","sentiment_score":0.033323629014194014,"num_words":60,"start":101.915,"end":127.555},{"sentences":[{"text":"Is that correct?","start":127.555,"end":128.455,"sentiment":"neutral","sentiment_score":0.07279512782891591},{"text":"Yes.","start":130.515,"end":130.835,"sentiment":"neutral","sentiment_score":0.06634325534105301},{"text":"Okay.","start":130.835,"end":131.335,"sentiment":"neutral","sentiment_score":0.053894057869911194},{"text":"And we have your brother, Mehul.","start":132.355,"end":136.935,"sentiment":"neutral","sentiment_score":0.04156433170040449},{"text":"Is that how I say it?","start":136.995,"end":138.035,"sentiment":"neutral","sentiment_score":0.026284062614043553}],"sentiment":"neutral","sentiment_score":0.0438654742696706,"num_words":17,"start":127.555,"end":138.035},{"sentences":[{"text":"I'm sorry for any mispronunciation.","start":138.035,"end":139.95,"sentiment":"neutral","sentiment_score":-0.17693307399749755},{"text":"Yeah.","start":142.56999,"end":143.06999,"sentiment":"neutral","sentiment_score":-0.0012043056776747108},{"text":"As your next of kin with his phone number ending in 312.","start":143.29,"end":146.89,"sentiment":"neutral","sentiment_score":0.008479647648831209},{"text":"Is that correct?","start":146.89,"end":147.79,"sentiment":"neutral","sentiment_score":0.012106771270434061},{"text":"Thank you.","start":157.305,"end":158.125,"sentiment":"positive","sentiment_score":0.5992825925350189}],"sentiment":"neutral","sentiment_score":0.019598765000093565,"num_words":23,"start":138.035,"end":158.125},{"sentences":[{"text":"So, previously, we had your occupation down as an IT consultant.","start":158.58499,"end":162.28499,"sentiment":"neutral","sentiment_score":0.05231352590701797},{"text":"Is that still correct?","start":162.42499,"end":163.72499,"sentiment":"neutral","sentiment_score":0.03696550661697984},{"text":"And you were previously employed by Talent International that contracted you to Services Australia.","start":167.2,"end":173.94,"sentiment":"neutral","sentiment_score":0.03178487831194486},{"text":"Is that correct, or has that changed?","start":174.0,"end":175.7,"sentiment":"neutral","sentiment_score":0.01730261051229068},{"text":"Okay.","start":177.59999,"end":177.915,"sentiment":"neutral","sentiment_score":0.02524932660162449}],"sentiment":"neutral","sentiment_score":0.035531532648648764,"num_words":37,"start":158.58499,"end":177.915},{"sentences":[{"text":"Who's your employer now?","start":178.075,"end":179.775,"sentiment":"neutral","sentiment_score":0.003161673666909337},{"text":"Alright.","start":186.715,"end":187.215,"sentiment":"neutral","sentiment_score":0.12485967576503754},{"text":"Thank you for that.","start":187.67499,"end":189.055,"sentiment":"positive","sentiment_score":0.4565776363015175},{"text":"And are you employed full time?","start":190.31499,"end":192.47,"sentiment":"neutral","sentiment_score":0.0784103199839592},{"text":"Yes.","start":195.33,"end":195.83,"sentiment":"neutral","sentiment_score":0.04829190671443939}],"sentiment":"neutral","sentiment_score":0.1551606713910587,"num_words":16,"start":178.075,"end":195.83},{"sentences":[{"text":"And your income, we had it at 257,250.","start":196.21,"end":204.405,"sentiment":"neutral","sentiment_score":0.014885029289871454},{"text":"I okay.","start":204.405,"end":215.865,"sentiment":"neutral","sentiment_score":-0.006845541298389435},{"text":"One 80.","start":219.605,"end":222.16,"sentiment":"neutral","sentiment_score":-0.019278330961242318},{"text":"Including super.","start":222.22,"end":223.52,"sentiment":"neutral","sentiment_score":0.006678521167486906},{"text":"Okay.","start":225.18,"end":225.68,"sentiment":"neutral","sentiment_score":0.06564392149448395}],"sentiment":"neutral","sentiment_score":0.009722230241944392,"num_words":15,"start":196.21,"end":225.68},{"sentences":[{"text":"I would make a note of that.","start":225.98,"end":227.68,"sentiment":"neutral","sentiment_score":0.08678640531642097},{"text":"Do you have any additional EBA arrangements with your employer where you get additional superannuation or any financial restrictions on your your income?","start":229.26,"end":241.495,"sentiment":"neutral","sentiment_score":-0.021075305690907913},{"text":"No?","start":244.595,"end":245.095,"sentiment":"neutral","sentiment_score":-0.08474795520305634},{"text":"Okay.","start":246.115,"end":246.615,"sentiment":"neutral","sentiment_score":-0.015100032091140749},{"text":"Previously, we had here that you weren't sure of what your expenditure was per week for your living expenses or what your savings were per week.","start":247.955,"end":256.73,"sentiment":"neutral","sentiment_score":-0.08861537994100498}],"sentiment":"neutral","sentiment_score":-0.03932888033510796,"num_words":58,"start":225.98,"end":256.73},{"sentences":[{"text":"Do you have any idea of what those may be now?","start":256.73,"end":259.55,"sentiment":"neutral","sentiment_score":-0.0739201811904257},{"text":"Yes.","start":269.145,"end":269.645,"sentiment":"neutral","sentiment_score":0.05395913869142532},{"text":"Yes.","start":280.36002,"end":280.86002,"sentiment":"neutral","sentiment_score":0.21415746212005615},{"text":"Okay.","start":290.575,"end":291.075,"sentiment":"neutral","sentiment_score":0.2723712921142578},{"text":"How much how much do you estimate you save per week or per fortnight, whatever your frequency would be?","start":292.255,"end":300.515,"sentiment":"neutral","sentiment_score":0.14028782868071607}],"sentiment":"neutral","sentiment_score":0.07251014075044429,"num_words":33,"start":256.73,"end":300.515},{"sentences":[{"text":"Okay.","start":315.02,"end":315.495,"sentiment":"positive","sentiment_score":0.3956853151321411},{"text":"Okay.","start":325.815,"end":326.315,"sentiment":"neutral","sentiment_score":0.2578211724758148},{"text":"Okay.","start":332.31,"end":332.81,"sentiment":"neutral","sentiment_score":0.05984390527009964},{"text":"And if okay.","start":333.41,"end":337.19,"sentiment":"neutral","sentiment_score":0.02228451396028201},{"text":"So that that is that your offset account?","start":337.19,"end":339.53,"sentiment":"neutral","sentiment_score":0.04773349268361926}],"sentiment":"neutral","sentiment_score":0.0830051340162754,"num_words":14,"start":315.02,"end":339.53},{"sentences":[{"text":"Yeah.","start":341.59,"end":342.09,"sentiment":"neutral","sentiment_score":0.05999178811907768},{"text":"What is the balance of your Ofsec account?","start":342.47,"end":344.525,"sentiment":"neutral","sentiment_score":0.02946534496732056},{"text":"We had it at 250,000.","start":344.525,"end":346.625,"sentiment":"neutral","sentiment_score":-0.007795514166355133},{"text":"We had it previously at 250,000.","start":349.72498,"end":352.525,"sentiment":"neutral","sentiment_score":-0.029299825119475525},{"text":"Is that still correct?","start":352.525,"end":353.66498,"sentiment":"neutral","sentiment_score":0.013380614574998617}],"sentiment":"neutral","sentiment_score":0.005602520192041993,"num_words":24,"start":341.59,"end":353.66498},{"sentences":[{"text":"Another 30?","start":360.3,"end":361.36,"sentiment":"neutral","sentiment_score":0.018232794478535652},{"text":"So $2.80?","start":363.18,"end":364.32,"sentiment":"neutral","sentiment_score":0.012102518230676651},{"text":"Yep.","start":365.9,"end":366.4,"sentiment":"neutral","sentiment_score":0.03820706158876419},{"text":"Okay.","start":366.7,"end":367.2,"sentiment":"neutral","sentiment_score":0.04280499368906021},{"text":"I have two cars here listed at that being valued at 35,000.","start":367.34,"end":372.585,"sentiment":"neutral","sentiment_score":0.029048081021755934}],"sentiment":"neutral","sentiment_score":0.02723664738651779,"num_words":18,"start":360.3,"end":372.585},{"sentences":[{"text":"Would that be correct?","start":372.585,"end":373.72498,"sentiment":"neutral","sentiment_score":0.026554224081337452},{"text":"Okay.","start":379.865,"end":380.365,"sentiment":"neutral","sentiment_score":0.0736679956316948},{"text":"And I've got three investment properties here.","start":380.585,"end":383.09,"sentiment":"neutral","sentiment_score":0.04661136333431516},{"text":"One at Oceana Drive, one at Alexandria Circuit, and one in South Morang.","start":383.09,"end":389.19,"sentiment":"neutral","sentiment_score":0.05014329117078047},{"text":"Are they still current?","start":389.25,"end":390.71,"sentiment":"neutral","sentiment_score":0.030583051033318043}],"sentiment":"neutral","sentiment_score":0.044150324987954105,"num_words":29,"start":372.585,"end":390.71},{"sentences":[{"text":"Okay.","start":393.49,"end":393.88998,"sentiment":"neutral","sentiment_score":0.03988887369632721},{"text":"Any more investment properties or the three?","start":393.88998,"end":398.525,"sentiment":"neutral","sentiment_score":0.01589574239083699},{"text":"Okay.","start":400.10498,"end":400.60498,"sentiment":"neutral","sentiment_score":0.022705264389514923},{"text":"I have I just I'll run through quickly what we've got them listed as being valued at and the debt against them to make sure it's correct.","start":401.145,"end":407.485,"sentiment":"neutral","sentiment_score":-0.01794084391332473},{"text":"So Oceania Drive, we have valued at 1,200,000 with a debt of 745,000.","start":407.865,"end":414.62,"sentiment":"neutral","sentiment_score":-0.0008482221657266984}],"sentiment":"neutral","sentiment_score":-0.006562557938622729,"num_words":49,"start":393.49,"end":414.62},{"sentences":[{"text":"We've got eight Alexandria Circuit valued at 550,000 with a debt of 386,000, and South Morang at 1,100,000 with a debt of $5,549,000.","start":417.56,"end":435.475,"sentiment":"neutral","sentiment_score":0.010934772961975439},{"text":"Are they all still correct?","start":435.475,"end":436.775,"sentiment":"neutral","sentiment_score":-0.004438338801264763},{"text":"Yep.","start":439.155,"end":439.655,"sentiment":"neutral","sentiment_score":-0.028628354892134663},{"text":"Okay.","start":439.9,"end":440.13998,"sentiment":"neutral","sentiment_score":0.013453822582960129},{"text":"And we've got your home here at Shearwater Drive valued at 800,000 with a debt attached of 267,000.","start":440.13998,"end":449.02,"sentiment":"neutral","sentiment_score":0.025604549174507458}],"sentiment":"neutral","sentiment_score":0.014062821603147313,"num_words":48,"start":417.56,"end":449.02},{"sentences":[{"text":"Is that still correct?","start":449.02,"end":450.24,"sentiment":"neutral","sentiment_score":0.039927389938384295},{"text":"300?","start":457.035,"end":457.855,"sentiment":"neutral","sentiment_score":0.011650823056697844},{"text":"Okay.","start":460.795,"end":461.295,"sentiment":"neutral","sentiment_score":0.016532372683286667},{"text":"Do you know how much rent you get from each property?","start":461.67502,"end":463.92,"sentiment":"neutral","sentiment_score":0.00002785975282842447},{"text":"Which one would that so Alexandra Circuit was $6.90, did you say, or 5 hundred?","start":476.325,"end":493.30002,"sentiment":"neutral","sentiment_score":0.01797661619881789}],"sentiment":"neutral","sentiment_score":0.01430776424240321,"num_words":32,"start":449.02,"end":493.30002},{"sentences":[{"text":"500.","start":494.16,"end":494.80002,"sentiment":"neutral","sentiment_score":0.01775171235203743},{"text":"Yes.","start":494.80002,"end":495.30002,"sentiment":"neutral","sentiment_score":0.04481835290789604},{"text":"Okay.","start":501.12,"end":501.62,"sentiment":"neutral","sentiment_score":0.14108210802078247},{"text":"Thank thank you for that.","start":505.575,"end":515.575,"sentiment":"positive","sentiment_score":0.6912708282470703},{"text":"That helps.","start":515.575,"end":516.315,"sentiment":"positive","sentiment_score":0.6902567446231842}],"sentiment":"positive","sentiment_score":0.5040519803762435,"num_words":10,"start":494.16,"end":516.315},{"sentences":[{"text":"So just keep the information up to date for you.","start":516.375,"end":519.25,"sentiment":"positive","sentiment_score":0.4731056034564972},{"text":"I just move on to quickly the health life health and lifestyle questions.","start":521.47003,"end":525.89,"sentiment":"neutral","sentiment_score":0.26736330069028413},{"text":"I have you down as a nonsmoker.","start":527.39,"end":529.01,"sentiment":"neutral","sentiment_score":0.02760684782905238},{"text":"Is that still correct?","start":529.15,"end":530.29004,"sentiment":"neutral","sentiment_score":0.015196066815406084},{"text":"Yeah.","start":531.95,"end":532.45,"sentiment":"neutral","sentiment_score":0.02048015594482422}],"sentiment":"neutral","sentiment_score":0.2423226086156709,"num_words":35,"start":516.375,"end":532.45},{"sentences":[{"text":"Do you have any private health insurance?","start":532.75,"end":535.115,"sentiment":"neutral","sentiment_score":0.0024965410786015646},{"text":"Beautiful.","start":538.45496,"end":538.95496,"sentiment":"neutral","sentiment_score":0.2947632670402527},{"text":"Do you have any significant injuries or illnesses and or take any medication?","start":539.33496,"end":544.795,"sentiment":"neutral","sentiment_score":-0.0486363645356435},{"text":"No.","start":548.38,"end":548.88,"sentiment":"neutral","sentiment_score":-0.09189647436141968},{"text":"And do you have a will or power of attorney?","start":549.18,"end":553.19995,"sentiment":"neutral","sentiment_score":-0.05012652091681957}],"sentiment":"neutral","sentiment_score":-0.028537355246953666,"num_words":32,"start":532.75,"end":553.19995},{"sentences":[{"text":"Okay.","start":558.45996,"end":558.95996,"sentiment":"neutral","sentiment_score":0.011975139379501345},{"text":"Yep.","start":560.06,"end":560.265,"sentiment":"neutral","sentiment_score":0.04012911021709442},{"text":"Yeah.","start":567.145,"end":567.625,"sentiment":"neutral","sentiment_score":0.05311697721481323},{"text":"So what what I can do with that is definitely assist in getting you in contact with a lawyer who can get those established.","start":567.625,"end":576.41003,"sentiment":"neutral","sentiment_score":0.12238347142313917},{"text":"Now I note that you have one dependent.","start":577.19,"end":583.05,"sentiment":"neutral","sentiment_score":0.009440608555451035}],"sentiment":"neutral","sentiment_score":0.08908426884029592,"num_words":35,"start":558.45996,"end":583.05},{"sentences":[{"text":"Is that a child?","start":584.07,"end":585.93,"sentiment":"neutral","sentiment_score":0.0024782964028418064},{"text":"Yeah.","start":587.83,"end":588.33,"sentiment":"neutral","sentiment_score":0.02721300907433033},{"text":"What's their name?","start":588.595,"end":590.975,"sentiment":"neutral","sentiment_score":0.009684612353642782},{"text":"How do I spell that?","start":592.115,"end":593.415,"sentiment":"neutral","sentiment_score":-0.003816024959087372},{"text":"Okay.","start":598.275,"end":598.775,"sentiment":"neutral","sentiment_score":-0.003348216414451599}],"sentiment":"neutral","sentiment_score":0.003125120752624103,"num_words":14,"start":584.07,"end":598.775},{"sentences":[{"text":"And how old?","start":598.835,"end":599.895,"sentiment":"neutral","sentiment_score":-0.010669336033364138},{"text":"Yes.","start":602.675,"end":603.175,"sentiment":"neutral","sentiment_score":0.0030716340988874435},{"text":"So a minor.","start":603.81,"end":604.63,"sentiment":"neutral","sentiment_score":-0.0100963544100523},{"text":"Okay.","start":605.25,"end":605.75,"sentiment":"neutral","sentiment_score":0.05272248387336731},{"text":"What we can do is I'm gonna send you a brochure for a professional partner that we do work with.","start":607.17004,"end":612.31,"sentiment":"neutral","sentiment_score":0.09726357311010361}],"sentiment":"neutral","sentiment_score":0.06924173245871705,"num_words":28,"start":598.835,"end":612.31},{"sentences":[{"text":"Cost wise, there it's a very reasonable cost compared to some of the costs that I've seen out there.","start":613.41003,"end":619.275,"sentiment":"neutral","sentiment_score":0.11732014660772525},{"text":"They will give you advice on creating your will.","start":619.655,"end":622.455,"sentiment":"neutral","sentiment_score":0.0658673346042633},{"text":"The best way to have things structured for your daughter should that sorry.","start":622.455,"end":628.455,"sentiment":"neutral","sentiment_score":0.056472878330028974},{"text":"I'm assuming that will be your beneficiary.","start":628.455,"end":630.155,"sentiment":"neutral","sentiment_score":0.05505097072039332},{"text":"Your son.","start":632.87,"end":633.51,"sentiment":"neutral","sentiment_score":0.03223718795925379}],"sentiment":"neutral","sentiment_score":0.08011734772473574,"num_words":50,"start":613.41003,"end":633.51},{"sentences":[{"text":"Sorry, son.","start":633.51,"end":634.47,"sentiment":"neutral","sentiment_score":-0.004440205171704292},{"text":"Sorry.","start":634.47,"end":634.97,"sentiment":"neutral","sentiment_score":0.011202659457921982},{"text":"And make sure it's all structured in a way that it's protected for him.","start":635.67,"end":641.69,"sentiment":"neutral","sentiment_score":0.12057602990950857},{"text":"So I will I'll send you that brochure for you to have a read of.","start":642.95,"end":646.88495,"sentiment":"positive","sentiment_score":0.3405580242474874},{"text":"You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you.","start":646.88495,"end":654.96497,"sentiment":"positive","sentiment_score":0.4002305464497928}],"sentiment":"neutral","sentiment_score":0.30172857178039236,"num_words":61,"start":633.51,"end":654.96497},{"sentences":[{"text":"They can do that virtually and over the phone.","start":654.96497,"end":665.69,"sentiment":"neutral","sentiment_score":0.2954410097251336},{"text":"Yeah.","start":681.285,"end":681.605,"sentiment":"neutral","sentiment_score":0.09404683858156204},{"text":"Okay.","start":681.605,"end":682.105,"sentiment":"neutral","sentiment_score":0.11120551824569702},{"text":"So what happens is is you'll create a will.","start":682.47,"end":685.20996,"sentiment":"neutral","sentiment_score":0.10926151441203223},{"text":"It doesn't necessarily get registered anywhere, but during the process, you'll nominate someone called an executor.","start":685.26996,"end":691.13,"sentiment":"neutral","sentiment_score":0.08037785557098687}],"sentiment":"neutral","sentiment_score":0.14260057675548726,"num_words":36,"start":654.96497,"end":691.13},{"sentences":[{"text":"So that person is responsible for administering your will, so making sure that your wishes are carried out.","start":691.91,"end":700.505,"sentiment":"neutral","sentiment_score":0.25033672981792027},{"text":"Typically, it would be someone that you trust, you know, will do the right thing, and you would always let them know where a copy of your will is.","start":701.125,"end":711.25,"sentiment":"neutral","sentiment_score":0.2345300594280506},{"text":"Your solicitor, the people that write it, will also hold a copy for you, and you can always just say to your executor, reach out to x y zed if anything happens to me.","start":711.94995,"end":724.915,"sentiment":"neutral","sentiment_score":0.09247417211094323},{"text":"So it's not registered.","start":724.915,"end":726.055,"sentiment":"neutral","sentiment_score":-0.08963759988546371},{"text":"You should always make sure that somebody is aware of where you keep it, and that also the solicitors can keep it on file for you.","start":726.995,"end":738.12,"sentiment":"neutral","sentiment_score":0.056997385735695176}],"sentiment":"neutral","sentiment_score":0.14031474181526415,"num_words":111,"start":691.91,"end":738.12},{"sentences":[{"text":"Okay.","start":739.22003,"end":739.72003,"sentiment":"neutral","sentiment_score":0.06150025874376297},{"text":"It's whoever you choose.","start":743.14,"end":744.34,"sentiment":"neutral","sentiment_score":0.059282951056957245},{"text":"So the executor is just responsible for making sure that the assets are distributed as per your will.","start":744.34,"end":751.405,"sentiment":"neutral","sentiment_score":0.1683347382479244},{"text":"So it could be your brother, for example, that you've got nominated as your next of kin.","start":751.545,"end":756.265,"sentiment":"neutral","sentiment_score":0.17434713551226785},{"text":"It could be a friend.","start":756.265,"end":757.805,"sentiment":"neutral","sentiment_score":0.13060259371995925}],"sentiment":"neutral","sentiment_score":0.15434603608316846,"num_words":45,"start":739.22003,"end":757.805},{"sentences":[{"text":"It could even be a solicitor if you want it to be.","start":758.265,"end":761.245,"sentiment":"neutral","sentiment_score":0.1692682554324468},{"text":"It it'll be set up, and the the lawyers will talk you through what options you have in relation to that to make sure that it it's set up the way that you feel comfortable.","start":762.425,"end":773.9,"sentiment":"neutral","sentiment_score":0.3165130534342357},{"text":"Yeah.","start":784.855,"end":785.255,"sentiment":"neutral","sentiment_score":0.1649946570396423},{"text":"Yeah.","start":785.255,"end":785.57495,"sentiment":"neutral","sentiment_score":0.24365556240081787},{"text":"You can you can work with anybody you like.","start":785.57495,"end":787.815,"sentiment":"positive","sentiment_score":0.3833082483874427}],"sentiment":"neutral","sentiment_score":0.2925448343157768,"num_words":58,"start":758.265,"end":787.815},{"sentences":[{"text":"I'm just gonna send you a brochure of somebody that we work with that we do know provides great services at a great cost.","start":787.815,"end":795.35,"sentiment":"positive","sentiment_score":0.42416693828999996},{"text":"If you decide to go somewhere else, that is absolutely fine.","start":795.64996,"end":798.63,"sentiment":"neutral","sentiment_score":0.13274287229234522},{"text":"It's just an information brochure for you.","start":798.76996,"end":813.955,"sentiment":"neutral","sentiment_score":-0.10980895427720887},{"text":"Your choice.","start":814.015,"end":814.83,"sentiment":"neutral","sentiment_score":0.04759534075856209},{"text":"You can nominate the solicitors to be your executor.","start":814.99,"end":818.37,"sentiment":"neutral","sentiment_score":0.0681442455906007}],"sentiment":"neutral","sentiment_score":0.21849064766165782,"num_words":53,"start":787.815,"end":818.37},{"sentences":[{"text":"It will come at a cost, or you can nominate an individual within your circle to be the executor of your estate.","start":819.95,"end":829.10504,"sentiment":"neutral","sentiment_score":0.03841426596045494},{"text":"Mhmm.","start":840.445,"end":840.69,"sentiment":"neutral","sentiment_score":-0.006398383527994156},{"text":"Yes.","start":848.93,"end":849.43,"sentiment":"neutral","sentiment_score":0.016092602163553238},{"text":"Yes.","start":855.09,"end":855.465,"sentiment":"neutral","sentiment_score":0.018227655440568924},{"text":"Yes.","start":855.945,"end":856.025,"sentiment":"neutral","sentiment_score":0.025669654831290245}],"sentiment":"neutral","sentiment_score":0.03456559153990103,"num_words":26,"start":819.95,"end":856.025},{"sentences":[{"text":"Yes.","start":856.025,"end":856.525,"sentiment":"neutral","sentiment_score":0.011564926244318484},{"text":"Yes.","start":867.465,"end":867.54504,"sentiment":"neutral","sentiment_score":0.026606779545545575},{"text":"Yes.","start":867.54504,"end":867.705,"sentiment":"neutral","sentiment_score":0.03520265966653824},{"text":"Yes.","start":867.705,"end":868.185,"sentiment":"neutral","sentiment_score":0.04162134975194931},{"text":"Yes.","start":868.185,"end":868.585,"sentiment":"neutral","sentiment_score":0.04403335601091385}],"sentiment":"neutral","sentiment_score":0.03180581424385309,"num_words":5,"start":856.025,"end":868.585},{"sentences":[{"text":"You can definitely do that.","start":868.585,"end":875.8775,"sentiment":"neutral","sentiment_score":-0.1410318672657013},{"text":"100%.","start":889.305,"end":890.28503,"sentiment":"neutral","sentiment_score":-0.07224985212087631},{"text":"100%.","start":893.625,"end":894.585,"sentiment":"neutral","sentiment_score":0.048068612813949585},{"text":"So, yes, that's correct.","start":894.585,"end":895.865,"sentiment":"neutral","sentiment_score":0.11824497394263744},{"text":"So what the solicitors will talk they will give you advice specifically in relation to this.","start":895.865,"end":901.93,"sentiment":"neutral","sentiment_score":0.060837872326374054}],"sentiment":"neutral","sentiment_score":0.02655723249470746,"num_words":27,"start":868.585,"end":901.93},{"sentences":[{"text":"What you're referring to is called a testamentary trust, and it's where it can you can nominate trustees.","start":901.93,"end":908.43,"sentiment":"neutral","sentiment_score":0.07274466494305266},{"text":"So they could be people, again, or a solicitor who will be responsible for making sure that that is protected and he is not taken advantage of.","start":908.955,"end":919.695,"sentiment":"neutral","sentiment_score":-0.025799867731553537},{"text":"So, definitely, if that's something that's high on your radar at the moment, I will get that sent through to you because that's a common a common structure with minor children.","start":920.23505,"end":935.7,"sentiment":"neutral","sentiment_score":0.24148735572253505},{"text":"But, again, you you mentioned you don't want him to be taken advantage of financially, so it's probably even more suitable that you discuss that with the solicitor as well.","start":937.52,"end":948.95496,"sentiment":"neutral","sentiment_score":-0.12663758701334396},{"text":"Yes.","start":956.95,"end":957.43,"sentiment":"neutral","sentiment_score":0.09960667788982391}],"sentiment":"neutral","sentiment_score":0.04111583771131863,"num_words":107,"start":901.93,"end":957.43},{"sentences":[{"text":"Of course.","start":957.43,"end":958.17,"sentiment":"neutral","sentiment_score":0.11787823215126991},{"text":"Okay.","start":959.75,"end":960.25,"sentiment":"neutral","sentiment_score":0.25213101506233215},{"text":"I will get that sent across to you so you can make those have a rate of it and reach out and make those put get those arrangements in place because they are really important given that you've got a minor son that your estate would pass to.","start":960.47,"end":975.675,"sentiment":"neutral","sentiment_score":0.2531488686023901},{"text":"And if those if those documents aren't in place, for example, the funds may end up being managed by somebody that you don't wish them to be managed by.","start":977.575,"end":989.77,"sentiment":"neutral","sentiment_score":-0.10428618215795221},{"text":"Okay.","start":992.39,"end":992.89,"sentiment":"neutral","sentiment_score":0.039877064526081085}],"sentiment":"neutral","sentiment_score":0.11919272782993906,"num_words":81,"start":957.43,"end":992.89},{"sentences":[{"text":"Yes.","start":1002.97504,"end":1003.47504,"sentiment":"neutral","sentiment_score":0.08577745407819748},{"text":"Yes.","start":1004.17505,"end":1004.67505,"sentiment":"neutral","sentiment_score":0.03398039937019348},{"text":"Of course.","start":1007.85504,"end":1008.36,"sentiment":"neutral","sentiment_score":0.011681156232953072},{"text":"Okay.","start":1017.72,"end":1018.2,"sentiment":"neutral","sentiment_score":0.05996374785900116},{"text":"Yes.","start":1018.2,"end":1018.68,"sentiment":"neutral","sentiment_score":0.0907016098499298}],"sentiment":"neutral","sentiment_score":0.04896425393720468,"num_words":6,"start":1002.97504,"end":1018.68},{"sentences":[{"text":"So what we what we would do first and foremost is you have no beneficiary nomination on your super fund.","start":1018.68,"end":1024.035,"sentiment":"neutral","sentiment_score":0.06308234296739101},{"text":"So we're gonna look at not making a nomination.","start":1024.035,"end":1026.935,"sentiment":"neutral","sentiment_score":0.022287536826398637},{"text":"You can do that to your son in the meantime.","start":1027.235,"end":1029.655,"sentiment":"neutral","sentiment_score":0.057288795709609985},{"text":"What that means is we can request that if something happened to you, we could request that it be paid as a child pension.","start":1030.675,"end":1038.51,"sentiment":"neutral","sentiment_score":0.10408716679861148},{"text":"So it'd be just a regular income stream.","start":1038.73,"end":1040.99,"sentiment":"neutral","sentiment_score":0.1191846514120698}],"sentiment":"neutral","sentiment_score":0.07727735017386961,"num_words":71,"start":1018.68,"end":1040.99},{"sentences":[{"text":"But once you have your will and power of attorney established, depending on how the solicitors have set it up, they may say change your beneficiary in your in your super fund to your estate so it can be distributed to the trust to your son.","start":1041.53,"end":1058.4451,"sentiment":"neutral","sentiment_score":0.12112877947156844},{"text":"So for the time being, I'd probably recommend you well, not recommend, but your options are limited at this point in nominating your son as your beneficiary on your super until your will is in place.","start":1058.745,"end":1075.76,"sentiment":"neutral","sentiment_score":-0.12396694880185856},{"text":"Okay?","start":1077.66,"end":1077.975,"sentiment":"neutral","sentiment_score":0.07570989429950714},{"text":"Okay.","start":1078.375,"end":1078.535,"sentiment":"neutral","sentiment_score":0.10867101699113846},{"text":"Does that make sense?","start":1078.535,"end":1079.575,"sentiment":"neutral","sentiment_score":0.1278741005808115}],"sentiment":"neutral","sentiment_score":0.020511261504990132,"num_words":88,"start":1041.53,"end":1079.575},{"sentences":[{"text":"Once your will is in place, we can update it to your estate if that's what the solicitor says to make sure that they're not all distributed through the trust if that's what the advice is.","start":1079.575,"end":1089.6749,"sentiment":"neutral","sentiment_score":0.06886657058364815},{"text":"It doesn't take long.","start":1096.1699,"end":1097.2899,"sentiment":"neutral","sentiment_score":0.09866400621831417},{"text":"It would the the process would be solely dependent on the sharing of information.","start":1097.2899,"end":1104.9099,"sentiment":"neutral","sentiment_score":0.0770325626113585},{"text":"So if they needed certain information, how quickly you got it back to them, they'd be able to give you their time frames.","start":1104.97,"end":1112.175,"sentiment":"neutral","sentiment_score":0.09568585665977519},{"text":"But, typically, they're not a significant time consuming process.","start":1112.175,"end":1117.155,"sentiment":"neutral","sentiment_score":-0.06574942875239584}],"sentiment":"neutral","sentiment_score":0.06466672426566135,"num_words":86,"start":1079.575,"end":1117.155},{"sentences":[{"text":"It it could I I suspect it would be done in a pretty quick turnaround.","start":1118.015,"end":1122.89,"sentiment":"neutral","sentiment_score":0.17736789683500925},{"text":"Of course.","start":1129.35,"end":1130.01,"sentiment":"neutral","sentiment_score":-0.030458513647317886},{"text":"Mhmm.","start":1155.16,"end":1155.66,"sentiment":"neutral","sentiment_score":-0.037322815507650375},{"text":"Typically, what will happen is upon somebody passing away for I could just give an example, basically.","start":1155.7999,"end":1169.505,"sentiment":"neutral","sentiment_score":-0.06869012226953226},{"text":"Your brother may be going through your paperwork and see a reference to us or your superannuation.","start":1171.405,"end":1180.3701,"sentiment":"neutral","sentiment_score":-0.05984813500853146}],"sentiment":"neutral","sentiment_score":0.007252466076841721,"num_words":52,"start":1118.015,"end":1180.3701},{"sentences":[{"text":"Contact us.","start":1181.4701,"end":1182.53,"sentiment":"neutral","sentiment_score":-0.023458747193217278},{"text":"They'll contact a solicitor.","start":1182.75,"end":1184.2101,"sentiment":"neutral","sentiment_score":0.009259380167350173},{"text":"Usually, what people do do is you get your will, your power of attorney, a list of assets or documents that are important and have them together in the one place.","start":1184.67,"end":1201.525,"sentiment":"neutral","sentiment_score":0.07017850647530248},{"text":"You can you can you can share a electronic copy of your will with your executor if you're concerned about and say, you know, it's with the solicitors.","start":1201.905,"end":1214.4199,"sentiment":"neutral","sentiment_score":0.07688039940382753},{"text":"Here's their details.","start":1214.5599,"end":1215.62,"sentiment":"neutral","sentiment_score":0.05863920350869497}],"sentiment":"neutral","sentiment_score":0.06609150765956763,"num_words":68,"start":1181.4701,"end":1215.62},{"sentences":[{"text":"There's many ways, but upon this, your executor will be responsible to reach out and make sure that everything is distributed and actioned.","start":1218.32,"end":1228.795,"sentiment":"neutral","sentiment_score":0.03235941655609919},{"text":"So, typically, we'd get a copy of the will.","start":1228.8551,"end":1231.435,"sentiment":"neutral","sentiment_score":0.015249171811673377},{"text":"And a death certificate would then submit that to the superannuation funds and insurance companies.","start":1232.135,"end":1237.75,"sentiment":"neutral","sentiment_score":-0.004317341869076093},{"text":"If relevant, arrange for those to get paid out to the estate or to the beneficiary, and we would work with your executor to make that happen.","start":1238.53,"end":1251.905,"sentiment":"neutral","sentiment_score":0.034482566432820425},{"text":"Yeah.","start":1252.045,"end":1252.545,"sentiment":"neutral","sentiment_score":0.06832022964954376}],"sentiment":"neutral","sentiment_score":0.024214646965265273,"num_words":75,"start":1218.32,"end":1252.545},{"sentences":[{"text":"So there's many different ways.","start":1252.6849,"end":1254.365,"sentiment":"neutral","sentiment_score":0.055889608711004256},{"text":"And and, again, a lawyer would be able to give you probably some more, what, case study examples of what they say and details.","start":1254.365,"end":1266.7201,"sentiment":"neutral","sentiment_score":0.06159714640428623},{"text":"So they might, for example, say we've had clients do this option and this option.","start":1266.78,"end":1273.04,"sentiment":"neutral","sentiment_score":0.05264551664392154},{"text":"So they'll be able to provide you a lot more guidance on what what how to share it and where to save it and those types of details.","start":1274.62,"end":1285.375,"sentiment":"neutral","sentiment_score":0.13827418416206325},{"text":"Okay.","start":1289.115,"end":1289.615,"sentiment":"neutral","sentiment_score":0.3176928758621216}],"sentiment":"neutral","sentiment_score":0.09228537451118639,"num_words":73,"start":1252.6849,"end":1289.615},{"sentences":[{"text":"Any other questions about estate planning?","start":1291.6749,"end":1293.5149,"sentiment":"neutral","sentiment_score":0.19554773221413294},{"text":"I'll just make make sure that that goes off to you straight away after our meeting.","start":1293.5149,"end":1296.76,"sentiment":"neutral","sentiment_score":0.2596513768658042},{"text":"Okay.","start":1309.125,"end":1309.625,"sentiment":"positive","sentiment_score":0.4484439492225647},{"text":"Lovely.","start":1310.245,"end":1310.745,"sentiment":"positive","sentiment_score":0.6355890035629272},{"text":"So I've got a few goals and objectives here that from your last review, and I just wanna run through them with you to see if they're still relevant or if they've changed slightly to make sure that we're we've got them all up to date.","start":1312.485,"end":1325.84,"sentiment":"positive","sentiment_score":0.36285792129195255}],"sentiment":"neutral","sentiment_score":0.3300457965050425,"num_words":70,"start":1291.6749,"end":1325.84},{"sentences":[{"text":"Is that okay?","start":1326.62,"end":1327.5199,"sentiment":"neutral","sentiment_score":0.1868783781925837},{"text":"Alright.","start":1332.3799,"end":1332.8799,"sentiment":"neutral","sentiment_score":0.04217594489455223},{"text":"Yep.","start":1334.86,"end":1335.1799,"sentiment":"neutral","sentiment_score":0.04607260227203369},{"text":"Okay.","start":1335.1799,"end":1335.6799,"sentiment":"neutral","sentiment_score":0.06674803793430328},{"text":"Sounds alright.","start":1337.2599,"end":1338.075,"sentiment":"neutral","sentiment_score":0.2754622548818588}],"sentiment":"neutral","sentiment_score":0.15831952868029475,"num_words":8,"start":1326.62,"end":1338.075},{"sentences":[{"text":"What I might do is just for your superannuation, you said that your super is an added bonus for you in retirement.","start":1338.235,"end":1345.7749,"sentiment":"positive","sentiment_score":0.5344302545894276},{"text":"That's how you see it, that you wanna grow focus on gross within your super while you still have time.","start":1345.9149,"end":1351.2949,"sentiment":"positive","sentiment_score":0.4487896576523781},{"text":"Given that accessing Yes?","start":1352.5549,"end":1367.325,"sentiment":"neutral","sentiment_score":0.1344562377780676},{"text":"Yes.","start":1375.005,"end":1375.505,"sentiment":"neutral","sentiment_score":0.13637368381023407},{"text":"So the high yep.","start":1375.885,"end":1379.725,"sentiment":"neutral","sentiment_score":-0.07000509696081281}],"sentiment":"positive","sentiment_score":0.41426347060969065,"num_words":51,"start":1338.235,"end":1379.725},{"sentences":[{"text":"So that's your current risk profile now, high growth.","start":1379.725,"end":1383.15,"sentiment":"neutral","sentiment_score":-0.015664597559306357},{"text":"So you're comfortable with maintaining that?","start":1383.21,"end":1385.79,"sentiment":"neutral","sentiment_score":0.04964132606983185},{"text":"No.","start":1394.25,"end":1394.41,"sentiment":"neutral","sentiment_score":-0.0666826069355011},{"text":"'60.","start":1394.41,"end":1394.91,"sentiment":"neutral","sentiment_score":-0.05034551024436951},{"text":"Based on today's legislation, it's '60.","start":1395.29,"end":1397.915,"sentiment":"neutral","sentiment_score":-0.04650636327763399}],"sentiment":"neutral","sentiment_score":-0.010399987759149593,"num_words":23,"start":1379.725,"end":1397.915},{"sentences":[{"text":"Yes.","start":1400.4551,"end":1400.9551,"sentiment":"neutral","sentiment_score":0.0031126015819609165},{"text":"Yes.","start":1403.175,"end":1403.675,"sentiment":"neutral","sentiment_score":0.10455538332462312},{"text":"Yes.","start":1404.615,"end":1405.115,"sentiment":"neutral","sentiment_score":0.08735264837741852},{"text":"Okay.","start":1405.5751,"end":1405.9751,"sentiment":"neutral","sentiment_score":0.08374734967947006},{"text":"So you're you're comfortable to still invest in that type of risk profile?","start":1405.9751,"end":1409.995,"sentiment":"neutral","sentiment_score":0.054413794324948236}],"sentiment":"neutral","sentiment_score":0.05800866524634116,"num_words":17,"start":1400.4551,"end":1409.995},{"sentences":[{"text":"Yeah.","start":1412.6951,"end":1412.91,"sentiment":"neutral","sentiment_score":0.13095329701900482},{"text":"Okay.","start":1413.15,"end":1413.39,"sentiment":"neutral","sentiment_score":0.10729923844337463},{"text":"You and you understand it well with the time frame, the exposure to growth assets, the level of risk taken in that your portfolio.","start":1413.39,"end":1423.9701,"sentiment":"neutral","sentiment_score":0.04518823581747711},{"text":"You under do you understand that, or would you like me to run through that?","start":1424.11,"end":1427.725,"sentiment":"neutral","sentiment_score":-0.008132888997594515},{"text":"Yep.","start":1428.505,"end":1428.905,"sentiment":"neutral","sentiment_score":0.07181510329246521}],"sentiment":"neutral","sentiment_score":0.030299808652628036,"num_words":42,"start":1412.6951,"end":1428.905},{"sentences":[{"text":"Okay.","start":1428.905,"end":1429.305,"sentiment":"neutral","sentiment_score":0.14462906122207642},{"text":"Beautiful.","start":1429.305,"end":1429.805,"sentiment":"positive","sentiment_score":0.3543336093425751},{"text":"That is entirely a a consideration for yourself.","start":1449.33,"end":1454.07,"sentiment":"neutral","sentiment_score":-0.00843884889036417},{"text":"How would you look at managing it yourself?","start":1457.01,"end":1460.7151,"sentiment":"neutral","sentiment_score":0.0038278577849268913},{"text":"What would be your your approach?","start":1460.7151,"end":1463.135,"sentiment":"neutral","sentiment_score":-0.014429896138608456}],"sentiment":"neutral","sentiment_score":0.015645640203729272,"num_words":24,"start":1428.905,"end":1463.135},{"sentences":[{"text":"Is do you mean as in a self managed super fund or just taking care picking and choosing your own investment?","start":1463.1951,"end":1470.175,"sentiment":"neutral","sentiment_score":-0.023639325850776265},{"text":"Mhmm.","start":1479.93,"end":1480.43,"sentiment":"neutral","sentiment_score":-0.03186502680182457},{"text":"Yeah.","start":1492.9049,"end":1493.385,"sentiment":"neutral","sentiment_score":0.0064172446727752686},{"text":"Okay.","start":1493.385,"end":1493.625,"sentiment":"neutral","sentiment_score":0.013800686225295069},{"text":"So you'd be looking at at managing, like, choosing the investment options as yourself.","start":1493.625,"end":1498.89,"sentiment":"neutral","sentiment_score":0.01080941578506359}],"sentiment":"neutral","sentiment_score":-0.009387924152083303,"num_words":38,"start":1463.1951,"end":1498.89},{"sentences":[{"text":"Is that correct?","start":1498.89,"end":1499.79,"sentiment":"neutral","sentiment_score":0.03449057290951411},{"text":"Yep.","start":1502.01,"end":1502.51,"sentiment":"neutral","sentiment_score":-0.003858480602502823},{"text":"Mhmm.","start":1513.785,"end":1514.285,"sentiment":"neutral","sentiment_score":-0.017658554017543793},{"text":"Are you tied to investment property, or would be open to commercial property?","start":1520.425,"end":1525.07,"sentiment":"neutral","sentiment_score":-0.02712444531229826},{"text":"Yeah.","start":1534.41,"end":1534.91,"sentiment":"neutral","sentiment_score":0.043998394161462784}],"sentiment":"neutral","sentiment_score":-0.011929721620522048,"num_words":19,"start":1498.89,"end":1534.91},{"sentences":[{"text":"Okay.","start":1535.93,"end":1536.43,"sentiment":"neutral","sentiment_score":0.08583350479602814},{"text":"So with the superannuation environment, the self managed super fund commercial property is still okay.","start":1536.73,"end":1543.8049,"sentiment":"neutral","sentiment_score":0.12922148704528807},{"text":"What I would probably flag with you is that you're looking at your overall wealth, you're very heavily weighted overweighted in property.","start":1546.825,"end":1559.0399,"sentiment":"neutral","sentiment_score":-0.2907478687438098},{"text":"So that means diversification wise, should the property market plummet at any point during or approaching your retirement, your retirement's gonna be significantly impacted.","start":1560.94,"end":1575.9349,"sentiment":"neutral","sentiment_score":-0.2901645513872306},{"text":"So I do have concerns in relation to the lack of diversification if you were to use your if you were to use your superannuation as well to go down a property path.","start":1576.475,"end":1590.47,"sentiment":"neutral","sentiment_score":-0.23092441734942523}],"sentiment":"neutral","sentiment_score":-0.19954476113382139,"num_words":95,"start":1535.93,"end":1590.47},{"sentences":[{"text":"Your superannuation at the moment is offering you a bit of diversification because you've got access to some shares, both Australian and international and some fixed interest, which aren't tied to the property market.","start":1591.01,"end":1604.975,"sentiment":"positive","sentiment_score":0.34328245371580124},{"text":"So by investing further into more property, my my professional concern would be putting it simply.","start":1605.755,"end":1617.52,"sentiment":"neutral","sentiment_score":0.002760770032182336},{"text":"You're gonna have all your eggs in one basket.","start":1617.52,"end":1619.62,"sentiment":"neutral","sentiment_score":0.029017746448516846},{"text":"That's not to say that should you decide that that's best for you, that you shouldn't that you can't do it.","start":1622.88,"end":1629.245,"sentiment":"neutral","sentiment_score":-0.2507485481245177},{"text":"That's that's my take on the situation.","start":1630.345,"end":1633.8049,"sentiment":"neutral","sentiment_score":0.009380445591107543}],"sentiment":"neutral","sentiment_score":0.07789516176335277,"num_words":87,"start":1591.01,"end":1633.8049},{"sentences":[{"text":"So yeah.","start":1637.865,"end":1638.5249,"sentiment":"neutral","sentiment_score":0.07631002739071846},{"text":"And that would be probably a decision that you would probably need to we can provide you with the information of what options are available to you.","start":1638.585,"end":1649.4199,"sentiment":"neutral","sentiment_score":0.09277851106943907},{"text":"But I would say at the moment, what you have currently set up is better to help you diversify across the different sectors.","start":1649.4199,"end":1662.5449,"sentiment":"neutral","sentiment_score":0.09571736467921216},{"text":"Does that make sense?","start":1664.845,"end":1665.985,"sentiment":"neutral","sentiment_score":0.043610529974102974},{"text":"Yes.","start":1669.38,"end":1669.88,"sentiment":"neutral","sentiment_score":0.061190761625766754}],"sentiment":"neutral","sentiment_score":0.08938196706667281,"num_words":57,"start":1637.865,"end":1669.88},{"sentences":[{"text":"Mhmm.","start":1677.9401,"end":1678.42,"sentiment":"neutral","sentiment_score":0.010332734324038029},{"text":"Yes.","start":1678.42,"end":1678.92,"sentiment":"neutral","sentiment_score":0.030094120651483536},{"text":"That, I would need to go and do some more research on for you so I can have a look at that.","start":1686.515,"end":1692.935,"sentiment":"neutral","sentiment_score":-0.012506674297831276},{"text":"Okay.","start":1697.76,"end":1698.26,"sentiment":"neutral","sentiment_score":0.2856559753417969},{"text":"Fantastic.","start":1698.48,"end":1698.98,"sentiment":"positive","sentiment_score":0.5038083791732788}],"sentiment":"neutral","sentiment_score":0.021336322113011893,"num_words":26,"start":1677.9401,"end":1698.98},{"sentences":[{"text":"That's one question I can come back to you with.","start":1699.2,"end":1701.36,"sentiment":"neutral","sentiment_score":0.2664257973432541},{"text":"I can't answer that right now, but I can definitely come back to you with that.","start":1701.36,"end":1704.98,"sentiment":"neutral","sentiment_score":0.2330949855968356},{"text":"What I will do is just quickly let you know that in your emails, you'll have an email from me that's called OdooSign.","start":1706.5599,"end":1713.625,"sentiment":"neutral","sentiment_score":0.15474070560025133},{"text":"It's got your review pack in it.","start":1714.325,"end":1716.345,"sentiment":"neutral","sentiment_score":0.05705969088843891},{"text":"I we're definitely gonna run out of time to complete your review.","start":1717.525,"end":1720.505,"sentiment":"neutral","sentiment_score":-0.25084898124138516}],"sentiment":"neutral","sentiment_score":0.1079712357810315,"num_words":68,"start":1699.2,"end":1720.505},{"sentences":[{"text":"It covers your performance in the funds in your super fund.","start":1722.405,"end":1728.32,"sentiment":"neutral","sentiment_score":0.2652281048622998},{"text":"And probably one of the things I do wanna highlight is the Benelon Australian Equities Fund within your portfolio, and I would like to look at reviewing and possibly rep and replacing.","start":1729.1799,"end":1742.48,"sentiment":"neutral","sentiment_score":0.29038918064907193},{"text":"So with your approval, I'd like to look at that for you.","start":1744.4349,"end":1751.495,"sentiment":"positive","sentiment_score":0.35376105457544327},{"text":"That's the first one, the Benelong Australian Equities Fund.","start":1755.715,"end":1761.79,"sentiment":"neutral","sentiment_score":0.19142262472046745},{"text":"On the second page?","start":1761.79,"end":1763.0901,"sentiment":"neutral","sentiment_score":0.02345274155959487}],"sentiment":"neutral","sentiment_score":0.2687016202629927,"num_words":68,"start":1722.405,"end":1763.0901},{"sentences":[{"text":"No.","start":1764.27,"end":1764.77,"sentiment":"neutral","sentiment_score":-0.061415817588567734},{"text":"I just sent you an email.","start":1766.51,"end":1767.7101,"sentiment":"neutral","sentiment_score":-0.10727576911449432},{"text":"It would come from.","start":1767.7101,"end":1768.77,"sentiment":"neutral","sentiment_score":-0.03249719925224781},{"text":"Yes.","start":1778.845,"end":1779.245,"sentiment":"neutral","sentiment_score":0.036517903208732605},{"text":"Yep.","start":1779.245,"end":1779.565,"sentiment":"neutral","sentiment_score":0.03973855823278427}],"sentiment":"neutral","sentiment_score":-0.058369443680231385,"num_words":13,"start":1764.27,"end":1779.565},{"sentences":[{"text":"But it may say o Yes.","start":1779.565,"end":1784.58,"sentiment":"neutral","sentiment_score":-0.017429785182078678},{"text":"Correct.","start":1784.82,"end":1785.0599,"sentiment":"neutral","sentiment_score":0.10660527646541595},{"text":"So if you open that up and click sign, it's gonna bring up a some documents.","start":1785.0599,"end":1790.4199,"sentiment":"neutral","sentiment_score":0.11075480515137315},{"text":"You're not signing anything now, so don't don't worry about that.","start":1790.4199,"end":1793.72,"sentiment":"neutral","sentiment_score":0.0073119407011704015},{"text":"It's just gonna bring up the documents that I will quickly walk through with you.","start":1794.5,"end":1800.045,"sentiment":"neutral","sentiment_score":0.23596214552720388}],"sentiment":"neutral","sentiment_score":0.11008095874318055,"num_words":49,"start":1779.565,"end":1800.045},{"sentences":[{"text":"The first one is a summary of your super and insurance showing you what you have covered.","start":1801.545,"end":1806.765,"sentiment":"neutral","sentiment_score":0.10089490014840574},{"text":"The sec the second document is your perform a twelve month performance report with Hub.","start":1808.025,"end":1813.49,"sentiment":"neutral","sentiment_score":-0.05677211930354436},{"text":"You'll note that the first one along the top, the Australian then along Australian Equities Fund has had a negative return.","start":1813.87,"end":1821.3301,"sentiment":"neutral","sentiment_score":-0.27275510416144416},{"text":"That's the one.","start":1823.31,"end":1823.955,"sentiment":"neutral","sentiment_score":-0.05152869721253713},{"text":"Yes.","start":1826.115,"end":1826.615,"sentiment":"neutral","sentiment_score":0.024860642850399017}],"sentiment":"neutral","sentiment_score":-0.08761317760013697,"num_words":57,"start":1801.545,"end":1826.615},{"sentences":[{"text":"Correct.","start":1830.995,"end":1831.495,"sentiment":"neutral","sentiment_score":0.02184593491256237},{"text":"Yes.","start":1838.755,"end":1839.15,"sentiment":"neutral","sentiment_score":0.006164414808154106},{"text":"Yes.","start":1844.43,"end":1844.93,"sentiment":"neutral","sentiment_score":-0.00010933354496955872},{"text":"What I would do, though, is I'm going to have a look at your income protection sum insured.","start":1844.99,"end":1851.905,"sentiment":"neutral","sentiment_score":-0.05444755943285094},{"text":"If your income has reduced, it may be that we reduce your income protection to make because there's no point you paying for a benefit that you won't be paid for if you're on claim.","start":1852.125,"end":1864.285,"sentiment":"neutral","sentiment_score":-0.25980355143547057}],"sentiment":"neutral","sentiment_score":-0.17937998846173286,"num_words":56,"start":1830.995,"end":1864.285},{"sentences":[{"text":"So that that for me, when you mentioned that your income has reduced, that flagged for me that I would go and have a look at that.","start":1864.285,"end":1870.73,"sentiment":"neutral","sentiment_score":-0.13205904265244803},{"text":"So that's one of the things I'll definitely look at for you.","start":1871.11,"end":1874.49,"sentiment":"neutral","sentiment_score":0.17812848774095377},{"text":"Absolutely.","start":1890.005,"end":1890.505,"sentiment":"neutral","sentiment_score":-0.007955338805913925},{"text":"Absolutely would be my answer to that question because income protection covers you twenty four hours a day, seven days a week.","start":1891.125,"end":1897.71,"sentiment":"neutral","sentiment_score":0.040476683865893974},{"text":"So if you were injured outside of work, you're still covered.","start":1898.1699,"end":1902.51,"sentiment":"neutral","sentiment_score":-0.008301811631430279}],"sentiment":"neutral","sentiment_score":-0.008723842745570287,"num_words":73,"start":1864.285,"end":1902.51},{"sentences":[{"text":"So how income protection works is that it will cover you for any injury or illness for your benefit period, which is five years, should you be able to not work.","start":1902.57,"end":1915.0751,"sentiment":"neutral","sentiment_score":0.010203769070006186},{"text":"So due to that injury or illness.","start":1917.295,"end":1919.79,"sentiment":"neutral","sentiment_score":-0.10502176199640546},{"text":"So if that and why I say absolutely is is you have mortgages and expenses to meet.","start":1920.03,"end":1927.49,"sentiment":"neutral","sentiment_score":-0.07095187113565557},{"text":"If you're unable to work, it it may be that you would have to sell investment properties, and that would probably work against the wealth plan that you're you're building.","start":1928.27,"end":1940.645,"sentiment":"neutral","sentiment_score":-0.2726428687572479},{"text":"Yep.","start":1942.4651,"end":1942.9651,"sentiment":"neutral","sentiment_score":0.015896983444690704}],"sentiment":"neutral","sentiment_score":-0.11381867885329695,"num_words":86,"start":1902.57,"end":1942.9651},{"sentences":[{"text":"So in short, definitely.","start":1943.3451,"end":1944.7251,"sentiment":"neutral","sentiment_score":0.004671265836805105},{"text":"Yes.","start":1951.91,"end":1952.41,"sentiment":"neutral","sentiment_score":-0.02581714279949665},{"text":"Yes.","start":1954.63,"end":1955.13,"sentiment":"neutral","sentiment_score":-0.01933109387755394},{"text":"That's yes.","start":1958.9501,"end":1961.445,"sentiment":"neutral","sentiment_score":0.006952908530365676},{"text":"Correct.","start":1963.505,"end":1964.005,"sentiment":"neutral","sentiment_score":0.05880963057279587}],"sentiment":"neutral","sentiment_score":0.005139141589299672,"num_words":9,"start":1943.3451,"end":1964.005},{"sentences":[{"text":"Yes.","start":1966.385,"end":1966.865,"sentiment":"neutral","sentiment_score":0.15274909138679504},{"text":"Yep.","start":1966.865,"end":1967.265,"sentiment":"neutral","sentiment_score":0.1933756172657013},{"text":"Absolutely correct.","start":1967.265,"end":1968.325,"sentiment":"positive","sentiment_score":0.42196500301361084},{"text":"Got it nailed.","start":1968.465,"end":1969.345,"sentiment":"positive","sentiment_score":0.5666956305503845},{"text":"Perfect.","start":1969.345,"end":1969.845,"sentiment":"positive","sentiment_score":0.5772655010223389}],"sentiment":"positive","sentiment_score":0.4334258884191513,"num_words":8,"start":1966.385,"end":1969.845},{"sentences":[{"text":"Any other questions with that?","start":1971.265,"end":1981.5,"sentiment":"neutral","sentiment_score":0.04272594526410103},{"text":"I think that okay.","start":1981.7999,"end":1985.895,"sentiment":"neutral","sentiment_score":-0.011373395565897226},{"text":"Yeah.","start":1986.775,"end":1987.015,"sentiment":"neutral","sentiment_score":0.044151585549116135},{"text":"So I'll look at your income protection based on your income now.","start":1987.015,"end":1991.035,"sentiment":"neutral","sentiment_score":0.030317109854271013},{"text":"The way that the life and TPD sum insured is recommended or calculated is based on some questions that we ask the clients.","start":1991.495,"end":1999.875,"sentiment":"neutral","sentiment_score":0.04986061155796051}],"sentiment":"neutral","sentiment_score":0.03828638030423059,"num_words":45,"start":1971.265,"end":1999.875},{"sentences":[{"text":"So in the event of this, what do you want all of your debt paid at, including the investment properties?","start":1999.875,"end":2013.0599,"sentiment":"neutral","sentiment_score":0.00836134389974177},{"text":"Do you want the investment properties to be sold and the the proceeds put aside for your son?","start":2013.36,"end":2023.275,"sentiment":"neutral","sentiment_score":0.01264639612701204},{"text":"Would you like them to be maintained and kept debt free?","start":2024.295,"end":2027.675,"sentiment":"neutral","sentiment_score":0.02133310620080341},{"text":"So that's the first level of questioning.","start":2028.935,"end":2029.915,"sentiment":"neutral","sentiment_score":0.01620245724916458},{"text":"And then the second is is did you want to leave questioning.","start":2029.915,"end":2031.88,"sentiment":"neutral","sentiment_score":0.015259653223135198}],"sentiment":"neutral","sentiment_score":0.013618517881053883,"num_words":68,"start":1999.875,"end":2031.88},{"sentences":[{"text":"And then the second is is did you want to leave funds available for your beneficiary?","start":2031.88,"end":2039.18,"sentiment":"neutral","sentiment_score":0.005499033839441836},{"text":"So it might be did you wanna leave funds aside for university or education, or do you believe that the estate itself would meet those expenses?","start":2039.56,"end":2051.885,"sentiment":"neutral","sentiment_score":-0.0015636070344883662},{"text":"Yes.","start":2066.36,"end":2066.86,"sentiment":"neutral","sentiment_score":-0.014583125710487366},{"text":"It is.","start":2076.295,"end":2077.015,"sentiment":"neutral","sentiment_score":-0.030600829049944878},{"text":"Yes.","start":2077.015,"end":2077.515,"sentiment":"neutral","sentiment_score":0.006300065666437149}],"sentiment":"neutral","sentiment_score":-0.00048160781759930694,"num_words":46,"start":2031.88,"end":2077.515},{"sentences":[{"text":"Correct.","start":2082.3098,"end":2082.8098,"sentiment":"neutral","sentiment_score":-0.06818538159132004},{"text":"Yes.","start":2095.51,"end":2095.755,"sentiment":"neutral","sentiment_score":0.04537651687860489},{"text":"That's correct.","start":2097.275,"end":2098.095,"sentiment":"neutral","sentiment_score":0.1183898076415062},{"text":"Repay the debt.","start":2102.9548,"end":2104.015,"sentiment":"neutral","sentiment_score":0.005207094053427379},{"text":"Yep.","start":2104.075,"end":2104.575,"sentiment":"neutral","sentiment_score":0.14019834995269775}],"sentiment":"neutral","sentiment_score":0.04622379783540964,"num_words":8,"start":2082.3098,"end":2104.575},{"sentences":[{"text":"Yes.","start":2107.595,"end":2107.92,"sentiment":"neutral","sentiment_score":0.18955111503601071},{"text":"Yes.","start":2119.3599,"end":2119.8599,"sentiment":"neutral","sentiment_score":0.12739935517311096},{"text":"Yep.","start":2119.92,"end":2120.42,"sentiment":"neutral","sentiment_score":0.1556624472141266},{"text":"I think at the I think probably until you it's a it's great cover to have in place for the time being.","start":2120.7249,"end":2128.265,"sentiment":"neutral","sentiment_score":0.14396813985976306},{"text":"I think once you have you have some more clarity on what your estate planning looks like and what you talk through with the solicitor in relation to tax on benefits that may be payable to your beneficiary, your son, if any, then we could probably have a more detailed conversation in what we need to do in relation to your insurances and work with the solicitor to make sure that they're in place.","start":2128.4849,"end":2160.675,"sentiment":"neutral","sentiment_score":0.07134521556263035}],"sentiment":"neutral","sentiment_score":0.09009553480780486,"num_words":99,"start":2107.595,"end":2160.675},{"sentences":[{"text":"Okay.","start":2163.375,"end":2163.875,"sentiment":"neutral","sentiment_score":0.234208881855011},{"text":"The next document across is a performance report.","start":2165.0498,"end":2168.97,"sentiment":"neutral","sentiment_score":0.08428319357335567},{"text":"Now you'll note that in this this pack, you've got a twelve month and a six month report.","start":2168.97,"end":2173.47,"sentiment":"neutral","sentiment_score":-0.11631647662984},{"text":"The very first investment option been along Australian Equities has had a negative return in the last twelve months.","start":2174.49,"end":2181.095,"sentiment":"negative","sentiment_score":-0.5853582589249862},{"text":"What we're doing with our clients at the moment is looking at suitable alternatives.","start":2181.315,"end":2185.335,"sentiment":"negative","sentiment_score":-0.3858956758465086}],"sentiment":"neutral","sentiment_score":-0.29515947550535204,"num_words":60,"start":2163.375,"end":2185.335},{"sentences":[{"text":"The reason that that Bennelong has performed poorly is because their investment mandate states that they look at the Australian share market and companies that are undervalued and look for growth opportunities.","start":2188.2751,"end":2204.48,"sentiment":"negative","sentiment_score":-0.4499493455514312},{"text":"Unfortunately, for them, the market did react in a different manner the last twelve months and favored banks and resources.","start":2204.48,"end":2214.5552,"sentiment":"negative","sentiment_score":-0.48290420025587083},{"text":"So we're looking at replacing that at the moment.","start":2215.735,"end":2218.2952,"sentiment":"neutral","sentiment_score":-0.13400092141495812},{"text":"So with your confirmation, I'd like to take the opportunity to review your portfolio, if that's okay.","start":2218.2952,"end":2225.88,"sentiment":"neutral","sentiment_score":0.07013988889315549},{"text":"At the moment, we're quite comfortable with the remainder of your policy.","start":2233.345,"end":2237.5251,"sentiment":"neutral","sentiment_score":0.13434381068994602}],"sentiment":"neutral","sentiment_score":-0.24953297240038713,"num_words":90,"start":2188.2751,"end":2237.5251},{"sentences":[{"text":"I will still be performing a full overview.","start":2238.0652,"end":2240.965,"sentiment":"neutral","sentiment_score":0.21228483505547047},{"text":"It's more been along at the moment that we're looking at replacing.","start":2241.665,"end":2246.225,"sentiment":"neutral","sentiment_score":0.03802055539563298},{"text":"You have real you have a great exposure being your iShares S and P 500.","start":2246.225,"end":2256.23,"sentiment":"neutral","sentiment_score":0.20971341530481974},{"text":"That's your international portfolio.","start":2256.23,"end":2259.37,"sentiment":"neutral","sentiment_score":0.20056284591555595},{"text":"And your other core portfolio being the Benelong Australian Equities Fund, so your Australian share portfolio, which will be which will likely be replaced with an alternative.","start":2260.425,"end":2270.365,"sentiment":"neutral","sentiment_score":0.10249945686923133}],"sentiment":"neutral","sentiment_score":0.13439338324083525,"num_words":66,"start":2238.0652,"end":2270.365},{"sentences":[{"text":"But outside of those, you've got a few different satellite funds that are in more niche, let's call it, sectors or so you've got your global cyber, robotics, and AI.","start":2271.145,"end":2286.095,"sentiment":"neutral","sentiment_score":0.031600722360114256},{"text":"You've got your global battery tech and lithium, which have all had great returns recently given the cost of the fuel crisis and, you know, global security with all the AI, and you would be well across that in your profession.","start":2286.555,"end":2304.08,"sentiment":"neutral","sentiment_score":0.11866567910807889},{"text":"And then you've also got the Asia and Europe exposure, giving you exposure to different economies.","start":2304.54,"end":2310.1602,"sentiment":"neutral","sentiment_score":-0.014950441312976182},{"text":"So at the moment, there's nothing there that raises any red flags for us except probably the Benelon, which is not necessarily a red flag.","start":2311.1948,"end":2321.435,"sentiment":"negative","sentiment_score":-0.3455653166770935},{"text":"It's a sys it's an ongoing systemic return that we're looking at rectifying.","start":2321.435,"end":2326.79,"sentiment":"neutral","sentiment_score":-0.2739049454147999}],"sentiment":"neutral","sentiment_score":-0.05300631803274155,"num_words":125,"start":2271.145,"end":2326.79},{"sentences":[{"text":"So it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so.","start":2327.17,"end":2337.705,"sentiment":"neutral","sentiment_score":-0.17118831881536886},{"text":"Yeah.","start":2351.4202,"end":2351.58,"sentiment":"neutral","sentiment_score":0.02498989924788475},{"text":"So that's the income, so the dividends of the shares.","start":2351.58,"end":2355.28,"sentiment":"neutral","sentiment_score":0.019133593142032623},{"text":"The gross is that negative figure of 14,000.","start":2356.1401,"end":2359.5,"sentiment":"negative","sentiment_score":-0.36612851545214653},{"text":"So that's the gross.","start":2359.5,"end":2361.2002,"sentiment":"neutral","sentiment_score":-0.2939664460718632}],"sentiment":"neutral","sentiment_score":-0.17019315033542867,"num_words":49,"start":2327.17,"end":2361.2002},{"sentences":[{"text":"It it was a negative gross figure.","start":2361.5,"end":2363.6,"sentiment":"negative","sentiment_score":-0.5172987750598362},{"text":"It lost value.","start":2363.74,"end":2364.525,"sentiment":"negative","sentiment_score":-0.6243513226509094},{"text":"Because of the income during the period, but the buys and sells.","start":2376.605,"end":2383.02,"sentiment":"neutral","sentiment_score":-0.09863399279614289},{"text":"So the total earnings altogether was 13.","start":2383.08,"end":2386.28,"sentiment":"neutral","sentiment_score":-0.036537677847913334},{"text":"So if you look over past the negative $14,000 figure, if you look over, your total earnings there, the 13,000 figure, that's net of fees, taxes, etcetera.","start":2386.28,"end":2401.525,"sentiment":"neutral","sentiment_score":-0.09380926509146337}],"sentiment":"neutral","sentiment_score":-0.16904227159518218,"num_words":56,"start":2361.5,"end":2401.525},{"sentences":[{"text":"So all the costs that are involved in the superannuation fund.","start":2401.7449,"end":2405.4248,"sentiment":"neutral","sentiment_score":-0.13839476013725455},{"text":"So that negative 18.42% is net of fees.","start":2405.4248,"end":2410.75,"sentiment":"neutral","sentiment_score":-0.09927123738452792},{"text":"So what that what that means is that overall, your portfolio in the last twelve months did return a negative of 1.13, which in a high growth portfolio, we do expect to see in roughly one in every five years a negative return.","start":2412.25,"end":2431.5452,"sentiment":"negative","sentiment_score":-0.38273084926050766},{"text":"Not overall.","start":2438.7,"end":2439.5999,"sentiment":"negative","sentiment_score":-0.3570914566516876},{"text":"No.","start":2439.74,"end":2440.22,"sentiment":"negative","sentiment_score":-0.357644259929657}],"sentiment":"neutral","sentiment_score":-0.30531947618493666,"num_words":65,"start":2401.7449,"end":2440.22},{"sentences":[{"text":"Not overall.","start":2440.22,"end":2441.04,"sentiment":"neutral","sentiment_score":-0.3242463171482086},{"text":"Just for the.","start":2441.82,"end":2442.88,"sentiment":"neutral","sentiment_score":-0.21611247460047403},{"text":"The overall total earnings.","start":2449.82,"end":2453.095,"sentiment":"neutral","sentiment_score":-0.04146246379241347},{"text":"So the overall growth so if we look at if you go down to page two of that, can you see the total portfolio?","start":2453.155,"end":2462.375,"sentiment":"neutral","sentiment_score":-0.01808749030654629},{"text":"So if you look at the one that says income in period, it says $6,680.11.","start":2462.595,"end":2470.1199,"sentiment":"neutral","sentiment_score":-0.03104947991669178}],"sentiment":"neutral","sentiment_score":-0.049219205820312105,"num_words":48,"start":2440.22,"end":2470.1199},{"sentences":[{"text":"And then the next two across, it says gross in period, negative $4,659.43.","start":2471.8599,"end":2479.5598,"sentiment":"neutral","sentiment_score":-0.07583970805773368},{"text":"The difference in earnings is $2,020.","start":2481.5398,"end":2485.695,"sentiment":"neutral","sentiment_score":-0.1143293206890424},{"text":"So the total earnings were a positive, but then when you take away the fees being charged, so the investment management fees, the admin fees, and our adviser fee, it becomes a negative return.","start":2487.275,"end":2499.98,"sentiment":"neutral","sentiment_score":-0.3064899516894537},{"text":"Yep.","start":2502.36,"end":2502.86,"sentiment":"neutral","sentiment_score":-0.07231703400611877},{"text":"The next document, though, is designed to give you a little bit more relief.","start":2503.4,"end":2507.98,"sentiment":"neutral","sentiment_score":0.11100207934422153}],"sentiment":"neutral","sentiment_score":-0.1560417413163711,"num_words":68,"start":2471.8599,"end":2507.98},{"sentences":[{"text":"It's a six month performance period.","start":2509.56,"end":2512.155,"sentiment":"neutral","sentiment_score":0.14250734945138296},{"text":"So with Hub, so for the last six months, not the twelve, you'll see that the Bennelong is bouncing back the funds itself.","start":2512.2148,"end":2520.555,"sentiment":"neutral","sentiment_score":0.05054666126227897},{"text":"We're still looking to replace.","start":2520.9348,"end":2522.9348,"sentiment":"neutral","sentiment_score":-0.1213465005159378},{"text":"We're not confident maintaining the balance on Australian equity fund long term presently.","start":2522.9348,"end":2529.24,"sentiment":"neutral","sentiment_score":-0.32208560292537397},{"text":"So our Amanda, our philosophy is we're still looking to replace.","start":2529.7,"end":2533.56,"sentiment":"neutral","sentiment_score":0.036177392371676186}],"sentiment":"neutral","sentiment_score":-0.04100477101345514,"num_words":58,"start":2509.56,"end":2533.56},{"sentences":[{"text":"But you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%.","start":2534.34,"end":2543.575,"sentiment":"neutral","sentiment_score":0.22637718617916108},{"text":"So you're never gonna see that column all positive.","start":2548.355,"end":2551.4148,"sentiment":"neutral","sentiment_score":-0.23849276784393522},{"text":"It is very, very unlikely you're ever gonna see that column as being all positive returns.","start":2551.8,"end":2557.34,"sentiment":"negative","sentiment_score":-0.3999747075140476},{"text":"The reason being is the markets, the different economies, and the different sectors, they all react differently with each other, which is why we diversify across different economies, different companies and businesses and share markets.","start":2557.72,"end":2573.795,"sentiment":"neutral","sentiment_score":-0.11558794411165374},{"text":"Because when one does react in a we'll just call it a negative question that's my concern I raised before in relation to in relation to property is that you're heavily skewed for property in your personal assets that it leaves little room for diversification.","start":2574.415,"end":2604.9849,"sentiment":"neutral","sentiment_score":-0.2949028369453218}],"sentiment":"neutral","sentiment_score":-0.15540620217529627,"num_words":130,"start":2534.34,"end":2604.9849},{"sentences":[{"text":"So your share port your superannuation portfolio does provide a little bit of diversification for you.","start":2605.4448,"end":2616.5977,"sentiment":"neutral","sentiment_score":0.0005796742625534534},{"text":"No.","start":2626.505,"end":2626.7449,"sentiment":"neutral","sentiment_score":-0.10538002848625184},{"text":"They're not the same period.","start":2626.7449,"end":2627.865,"sentiment":"neutral","sentiment_score":-0.07964020818471909},{"text":"So the first the first document, so the one with the negative return, is from the 09/16/2025 through to the fifteenth twenty through the 2026.","start":2627.865,"end":2640.19,"sentiment":"neutral","sentiment_score":-0.07819397807121277},{"text":"The six month one is from the 03/16/2026 through to the 09/15/2026.","start":2640.81,"end":2648.91,"sentiment":"neutral","sentiment_score":-0.03268464840948582}],"sentiment":"neutral","sentiment_score":-0.048158839218697305,"num_words":59,"start":2605.4448,"end":2648.91},{"sentences":[{"text":"So it's a twelve month and six month report for you.","start":2649.53,"end":2658.905,"sentiment":"neutral","sentiment_score":-0.057200886478478256},{"text":"Yes.","start":2658.905,"end":2659.305,"sentiment":"neutral","sentiment_score":-0.04679693281650543},{"text":"Yeah.","start":2659.305,"end":2659.805,"sentiment":"neutral","sentiment_score":-0.039946299046278},{"text":"Yeah.","start":2662.105,"end":2662.605,"sentiment":"neutral","sentiment_score":-0.05034829676151275},{"text":"Significantly.","start":2663.705,"end":2664.205,"sentiment":"neutral","sentiment_score":0.06315471976995468}],"sentiment":"neutral","sentiment_score":-0.04687643734117349,"num_words":15,"start":2649.53,"end":2664.205},{"sentences":[{"text":"Significantly.","start":2664.825,"end":2665.325,"sentiment":"neutral","sentiment_score":0.14212913811206818},{"text":"It's returning 8.27% in the last six months.","start":2665.83,"end":2669.29,"sentiment":"neutral","sentiment_score":0.16579347662627697},{"text":"And that's that's how the share and that's how the market reacts.","start":2669.9102,"end":2673.03,"sentiment":"neutral","sentiment_score":0.05361363633225361},{"text":"So a little bit different with property, you don't necessarily see live prices like this.","start":2673.03,"end":2680.7102,"sentiment":"neutral","sentiment_score":-0.05636937295397123},{"text":"The only time you you see the live price of a property's value is when you sell it or buy it.","start":2680.7102,"end":2686.975,"sentiment":"neutral","sentiment_score":-0.0054154626074402286}],"sentiment":"neutral","sentiment_score":0.02022061891304411,"num_words":57,"start":2664.825,"end":2686.975},{"sentences":[{"text":"You can have valuations in between.","start":2687.435,"end":2689.615,"sentiment":"neutral","sentiment_score":-0.017576773340503376},{"text":"They're guesstimates or the the closest market appraisal you can get.","start":2691.755,"end":2700.01,"sentiment":"neutral","sentiment_score":-0.014266684905371883},{"text":"So that's where the two differ a little bit in relation to valuation is you can see this today.","start":2700.7102,"end":2708.25,"sentiment":"neutral","sentiment_score":-0.024632034235094722},{"text":"It's a long term investment like property.","start":2709.6702,"end":2711.945,"sentiment":"neutral","sentiment_score":-0.04584048342491899},{"text":"So we would expect in the high growth portfolio that you're invested in and you did say that you're comfortable with is that at least in one in every five years, you will experience a negative return.","start":2713.2852,"end":2724.84,"sentiment":"negative","sentiment_score":-0.3533809833429955}],"sentiment":"neutral","sentiment_score":-0.1765797824016772,"num_words":80,"start":2687.435,"end":2724.84},{"sentences":[{"text":"Mhmm.","start":2752.615,"end":2752.83,"sentiment":"negative","sentiment_score":-0.34126898646354675},{"text":"Mhmm.","start":2752.83,"end":2753.33,"sentiment":"neutral","sentiment_score":-0.29841285943984985},{"text":"Not necessarily.","start":2762.59,"end":2763.57,"sentiment":"neutral","sentiment_score":-0.1915896311402321},{"text":"No.","start":2763.9502,"end":2764.35,"sentiment":"neutral","sentiment_score":-0.20371422171592712},{"text":"That's not so those withdrawals so if you look at the withdrawals, because that's funded through your super fund.","start":2764.35,"end":2782.72,"sentiment":"neutral","sentiment_score":-0.09985341288541492}],"sentiment":"neutral","sentiment_score":-0.13015792394677797,"num_words":24,"start":2752.615,"end":2782.72},{"sentences":[{"text":"Yep.","start":2785.98,"end":2786.48,"sentiment":"neutral","sentiment_score":0.03264292702078819},{"text":"And then you've got your fees.","start":2786.54,"end":2787.9,"sentiment":"neutral","sentiment_score":0.0022706485663851104},{"text":"So what I can do post this conversation, because I do know that you're now are you are you still needing to run to that meeting, or did you want me to phone you back?","start":2787.9,"end":2796.7952,"sentiment":"neutral","sentiment_score":-0.00309762695272054},{"text":"Oh, okay.","start":2799.8152,"end":2800.375,"sentiment":"neutral","sentiment_score":-0.004215115215629339},{"text":"Sorry.","start":2800.375,"end":2800.695,"sentiment":"neutral","sentiment_score":-0.04314674437046051}],"sentiment":"neutral","sentiment_score":-0.0025272688828408716,"num_words":45,"start":2785.98,"end":2800.695},{"sentences":[{"text":"I thought you said 01:30.","start":2800.695,"end":2802.155,"sentiment":"neutral","sentiment_score":-0.048710902035236356},{"text":"Okay.","start":2803.495,"end":2803.995,"sentiment":"neutral","sentiment_score":-0.01895155757665634},{"text":"Oh, yes.","start":2805.0151,"end":2805.735,"sentiment":"neutral","sentiment_score":0.0042707487009465694},{"text":"Of course.","start":2805.735,"end":2806.135,"sentiment":"neutral","sentiment_score":-0.0162155507132411},{"text":"Sorry.","start":2806.135,"end":2806.615,"sentiment":"neutral","sentiment_score":-0.06569516658782959}],"sentiment":"neutral","sentiment_score":-0.032008258033205166,"num_words":11,"start":2800.695,"end":2806.615},{"sentences":[{"text":"My apologies.","start":2806.615,"end":2807.355,"sentiment":"neutral","sentiment_score":-0.11405771598219872},{"text":"I will send you an actual detailed breakdown of this for you because it's the report itself is designed to give you an over haul, a high level view.","start":2809.61,"end":2823.0151,"sentiment":"neutral","sentiment_score":0.08951290080259586},{"text":"Let me spend some time breaking it down for you in a little bit more detail so it's not confusing and across two different pages.","start":2823.235,"end":2830.915,"sentiment":"neutral","sentiment_score":0.11069686070084572},{"text":"I can just incorporate it into one email.","start":2830.915,"end":2833.4,"sentiment":"neutral","sentiment_score":0.17273390851914883},{"text":"Is that okay?","start":2834.42,"end":2835.4,"sentiment":"neutral","sentiment_score":0.12057692557573318}],"sentiment":"neutral","sentiment_score":0.10266839184645396,"num_words":67,"start":2806.615,"end":2835.4},{"sentences":[{"text":"Yeah.","start":2837.46,"end":2837.96,"sentiment":"neutral","sentiment_score":0.22263795137405396},{"text":"Okay.","start":2839.94,"end":2840.3398,"sentiment":"neutral","sentiment_score":0.16006316244602203},{"text":"I'm just making a note for myself.","start":2840.3398,"end":2842.3599,"sentiment":"neutral","sentiment_score":0.13492684066295624},{"text":"Inbound first outgoing.","start":2845.38,"end":2846.8398,"sentiment":"neutral","sentiment_score":0.06975554674863815},{"text":"Okay.","start":2848.735,"end":2849.235,"sentiment":"positive","sentiment_score":0.3910687565803528}],"sentiment":"neutral","sentiment_score":0.14827110732977206,"num_words":13,"start":2837.46,"end":2849.235},{"sentences":[{"text":"Fantastic.","start":2849.455,"end":2849.955,"sentiment":"positive","sentiment_score":0.7109044194221497},{"text":"The Vanguard index chart is the next document there.","start":2852.655,"end":2856.835,"sentiment":"positive","sentiment_score":0.3592350019348992},{"text":"It is a visual tool that we like to share with our clients.","start":2857.135,"end":2861.78,"sentiment":"positive","sentiment_score":0.363859277505141},{"text":"So, again, I'll refer back to your high growth portfolio.","start":2861.84,"end":2864.98,"sentiment":"neutral","sentiment_score":0.14592062309384346},{"text":"That is where we would see 90% of your assets invested in a in the growth sector with 10% in your defensive.","start":2866.1602,"end":2876.34,"sentiment":"neutral","sentiment_score":0.15708154914054004}],"sentiment":"neutral","sentiment_score":0.24707618829878894,"num_words":55,"start":2849.455,"end":2876.34},{"sentences":[{"text":"So down the right hand side of this document, you'll see there's four assets listed at the top being US shares, Australian shares, international, and Australian listed property.","start":2877.335,"end":2889.035,"sentiment":"neutral","sentiment_score":0.09176753301705633},{"text":"They're your growth they're your growth assets where we would see approximately 90% of your funds typically invested in.","start":2889.895,"end":2897.0198,"sentiment":"neutral","sentiment_score":0.1046733915021545},{"text":"The remaining 10% would see in Australian bonds and cash being your defensive assets.","start":2897.7998,"end":2903.5,"sentiment":"neutral","sentiment_score":0.09360730115856443},{"text":"So over the long term, you would see that they don't experience significant growth, and they do experience less volatility, whereas your gross assets long term provide the growth for you.","start":2903.88,"end":2919.065,"sentiment":"neutral","sentiment_score":0.21375818718825618},{"text":"Also, an income component as well, that's where we like to confirm that you're comfortable with that that allocation to risk because you will experience market fluctuations and volatility.","start":2919.845,"end":2941.4648,"sentiment":"neutral","sentiment_score":0.16045025633326893}],"sentiment":"neutral","sentiment_score":0.14172189103916658,"num_words":121,"start":2877.335,"end":2941.4648},{"sentences":[{"text":"In a high growth portfolio, we suggest a minimum time frame investment of eight years to be able to withstand more as an education tool to make sure clients are fully aware that the market you are going to, without a doubt, experience volatility.","start":2943.2048,"end":2972.925,"sentiment":"neutral","sentiment_score":0.11158204078674316},{"text":"That that's the one thing that I can categorically say hand on heart will happen.","start":2973.145,"end":2978.6199,"sentiment":"neutral","sentiment_score":0.22934431234995525},{"text":"You will also see that a lot of those volatility events coincide with world events.","start":2981.0798,"end":2990.035,"sentiment":"neutral","sentiment_score":-0.0005194800595442454},{"text":"You've got COVID as an as an example, the GFC, for example, that hit nearly every single market.","start":2990.335,"end":2999.7148,"sentiment":"neutral","sentiment_score":-0.01892434148531821},{"text":"And COVID, for example, is a is a great example.","start":3001.8699,"end":3004.77,"sentiment":"neutral","sentiment_score":0.07091843895614147}],"sentiment":"neutral","sentiment_score":0.0853973384490054,"num_words":102,"start":2943.2048,"end":3004.77},{"sentences":[{"text":"You know, it it it significantly had a drop in the market that you'll note probably from your own experience as well.","start":3004.91,"end":3013.97,"sentiment":"neutral","sentiment_score":-0.09906576946377754},{"text":"Property Australian property market prices soared.","start":3014.1099,"end":3019.385,"sentiment":"neutral","sentiment_score":-0.12880844250321388},{"text":"So when one market typically has an impact, another market typically has the opposite effect.","start":3021.605,"end":3028.585,"sentiment":"neutral","sentiment_score":-0.14035135209560395},{"text":"So I I guess the reason why I'm spending a bit of time on this is that I do wanna just make sure that you are happy with the high growth portfolio and the volatility because you are going to experience negative returns, and I just need to make sure that you are 100% comfortable with that because I I don't feel I I'm not sure that we're from the the negative returns you've experienced in the last twelve months, but I feel like we should spend some more time on how you can experience negative negative losses and ensure that you're comfortable.","start":3029.0452,"end":3076.805,"sentiment":"neutral","sentiment_score":-0.07770835781849704},{"text":"Yeah.","start":3078.145,"end":3078.645,"sentiment":"neutral","sentiment_score":-0.12816238403320312}],"sentiment":"neutral","sentiment_score":-0.08972578982309419,"num_words":147,"start":3004.91,"end":3078.645},{"sentences":[{"text":"Yeah.","start":3080.145,"end":3080.645,"sentiment":"neutral","sentiment_score":-0.15882226824760437},{"text":"Yeah.","start":3085.265,"end":3085.56,"sentiment":"neutral","sentiment_score":-0.06963308155536652},{"text":"And which document are we up to now?","start":3092.6,"end":3095.4202,"sentiment":"neutral","sentiment_score":-0.0019986771512776613},{"text":"Oh, that's okay.","start":3105.525,"end":3107.7048,"sentiment":"neutral","sentiment_score":-0.06738384316364925},{"text":"Oh, you're at the very last document.","start":3108.565,"end":3110.345,"sentiment":"neutral","sentiment_score":-0.07356118889791625}],"sentiment":"neutral","sentiment_score":-0.04807623093947768,"num_words":20,"start":3080.145,"end":3110.345},{"sentences":[{"text":"Yep.","start":3110.805,"end":3111.305,"sentiment":"neutral","sentiment_score":0.02065267413854599},{"text":"Okay.","start":3111.525,"end":3112.025,"sentiment":"neutral","sentiment_score":0.025468671694397926},{"text":"Just let me let me cover off on these these two before that.","start":3112.1902,"end":3116.05,"sentiment":"neutral","sentiment_score":0.008901828899979591},{"text":"Your TEL certificate of currency is it just outlines again to you what was on the first page that your policy's current in place and the cost of it.","start":3117.6301,"end":3128.255,"sentiment":"neutral","sentiment_score":0.05582453952781085},{"text":"The next document is the financial services guide.","start":3128.795,"end":3131.515,"sentiment":"neutral","sentiment_score":0.05634691659361124}],"sentiment":"neutral","sentiment_score":0.04291407885746314,"num_words":52,"start":3110.805,"end":3131.515},{"sentences":[{"text":"So that what that document is is it tells you who we are, who we're licensed by that we're licensed by ASIC, the types of advice we can provide, and how we provide it along with if you're unhappy with any services provided, how you can make a complaint and the complaints process.","start":3131.515,"end":3150.62,"sentiment":"neutral","sentiment_score":0.056946965391343495},{"text":"The ongoing serve ongoing fee document, I am not let I'm gonna jump into Hub quickly and see what you've been charged in the past.","start":3152.375,"end":3164.055,"sentiment":"neutral","sentiment_score":-0.1217326482385397},{"text":"My apologies because I don't have that at hand.","start":3164.055,"end":3166.61,"sentiment":"neutral","sentiment_score":-0.2902247789833281},{"text":"Give me one second, please.","start":3168.6702,"end":3170.9302,"sentiment":"neutral","sentiment_score":-0.09709621965885162},{"text":"What I might do instead of keeping you on the phone is confirm in the email that I'm gonna send you with everything else is confirm in an email in writing for you because I don't have access that I don't get given I I don't have access at hand to last year's fees.","start":3177.07,"end":3197.6401,"sentiment":"neutral","sentiment_score":-0.03757202839133916}],"sentiment":"neutral","sentiment_score":-0.035284388236293235,"num_words":146,"start":3131.515,"end":3197.6401},{"sentences":[{"text":"But if my if my system wants to play nice with me today and let me log in the first time instead of a couple of times that it made me do earlier this morning, I should be able to give you an answer.","start":3198.26,"end":3211.7449,"sentiment":"neutral","sentiment_score":0.23716764041984623},{"text":"Sorry.","start":3226.54,"end":3226.78,"sentiment":"neutral","sentiment_score":-0.08695240318775177},{"text":"It won't be a second.","start":3226.78,"end":3228.09,"sentiment":"neutral","sentiment_score":-0.12214984446763992},{"text":"What I might do with you, if it's okay, is I'm having trouble with getting my computer to log in to Hub at the moment, is I might put that in an email for you as well.","start":3256.9702,"end":3266.505,"sentiment":"neutral","sentiment_score":-0.1400363259772594},{"text":"Is that okay?","start":3266.505,"end":3267.405,"sentiment":"neutral","sentiment_score":0.015449547519286474}],"sentiment":"neutral","sentiment_score":0.051140879270517164,"num_words":90,"start":3198.26,"end":3267.405},{"sentences":[{"text":"And yeah.","start":3268.7449,"end":3269.545,"sentiment":"neutral","sentiment_score":0.1738901063799858},{"text":"Then that way I can just cross it off on all one one message for you.","start":3269.545,"end":3275.27,"sentiment":"neutral","sentiment_score":0.06396172265522182},{"text":"I'm still not getting in there.","start":3275.81,"end":3277.91,"sentiment":"neutral","sentiment_score":-0.18890485912561417},{"text":"So no.","start":3278.29,"end":3279.5898,"sentiment":"neutral","sentiment_score":-0.06946663185954094},{"text":"Okay.","start":3279.97,"end":3280.3699,"sentiment":"neutral","sentiment_score":0.07678541541099548}],"sentiment":"neutral","sentiment_score":0.006503361932657383,"num_words":27,"start":3268.7449,"end":3280.3699},{"sentences":[{"text":"I will get this to you this afternoon anyhow with a breakdown of all that information we've talked about.","start":3280.3699,"end":3288.885,"sentiment":"neutral","sentiment_score":0.17267497903422305},{"text":"Just with the adviser service fees, when I do come back to you, if you're happy to proceed and remain a client of Oakview Financial, once you've had a chance to review the information that I'm gonna email to you, you will need you will need to sign that.","start":3290.625,"end":3307.32,"sentiment":"neutral","sentiment_score":0.11909215631229537},{"text":"That fee there is per annum.","start":3307.32,"end":3309.5,"sentiment":"neutral","sentiment_score":0.0071477308714141445},{"text":"What actually happens to it is is it's broken.","start":3309.6401,"end":3312.335,"sentiment":"neutral","sentiment_score":-0.002844487213426166},{"text":"It's divided by 12 and paid monthly.","start":3312.395,"end":3314.575,"sentiment":"neutral","sentiment_score":-0.004466681075947625}],"sentiment":"neutral","sentiment_score":0.10113732770809697,"num_words":90,"start":3280.3699,"end":3314.575},{"sentences":[{"text":"So it is not a and it's a fixed fee, whereas in the past, it was probably a percent based fee, and it fluctuated with the market.","start":3315.115,"end":3321.395,"sentiment":"neutral","sentiment_score":-0.02532186521286214},{"text":"So this so we've moved our fee structure to your next annual review.","start":3321.395,"end":3338.815,"sentiment":"neutral","sentiment_score":0.04088885824267681},{"text":"Yeah.","start":3344.9548,"end":3345.355,"sentiment":"neutral","sentiment_score":0.11088798940181732},{"text":"Yep.","start":3345.355,"end":3345.855,"sentiment":"neutral","sentiment_score":0.14054587483406067},{"text":"Yeah.","start":3348.9548,"end":3349.29,"sentiment":"neutral","sentiment_score":0.08484285324811935}],"sentiment":"neutral","sentiment_score":0.00428236078817484,"num_words":43,"start":3315.115,"end":3349.29},{"sentences":[{"text":"Of course.","start":3349.37,"end":3350.03,"sentiment":"neutral","sentiment_score":0.05691941827535629},{"text":"I'm trying still as we speak to get in logged in.","start":3350.33,"end":3353.61,"sentiment":"neutral","sentiment_score":-0.02773720347745852},{"text":"So I will get this to you as soon as possible, and you can have a review of it.","start":3353.61,"end":3359.45,"sentiment":"neutral","sentiment_score":0.18795935339049288},{"text":"And if you have any questions, feel free to send an email back or or or phone back, and I can run through it with you over the phone before you sign any documents or make any further decisions.","start":3359.45,"end":3373.755,"sentiment":"neutral","sentiment_score":0.11004258969273323},{"text":"That, I will have to get an answer for you because I am not entirely sure how that process works, but I will definitely get that information I can give you that factual information based on your income that you gave me.","start":3396.135,"end":3423.295,"sentiment":"neutral","sentiment_score":0.13269058242440224}],"sentiment":"neutral","sentiment_score":0.11720905108459756,"num_words":113,"start":3349.37,"end":3423.295},{"sentences":[{"text":"That's no problem at all.","start":3423.295,"end":3424.915,"sentiment":"positive","sentiment_score":0.44933181405067446},{"text":"Alright.","start":3427.295,"end":3427.795,"sentiment":"positive","sentiment_score":0.5464038252830505},{"text":"Thanks for your time.","start":3427.935,"end":3428.815,"sentiment":"positive","sentiment_score":0.7993607968091965},{"text":"I appreciate it.","start":3428.815,"end":3429.875,"sentiment":"positive","sentiment_score":0.7616899808247884},{"text":"Enjoy your afternoon, and I'll email you shortly.","start":3430.655,"end":3433.2808,"sentiment":"positive","sentiment_score":0.4153023138642311}],"sentiment":"positive","sentiment_score":0.5522854541029248,"num_words":21,"start":3423.295,"end":3433.2808},{"sentences":[{"text":"Okay.","start":3434.8608,"end":3435.3608,"sentiment":"positive","sentiment_score":0.5045465230941772},{"text":"Bye.","start":3435.8208,"end":3436.3208,"sentiment":"neutral","sentiment_score":0.30439770221710205},{"text":"Bye.","start":3437.981,"end":3438.481,"sentiment":"neutral","sentiment_score":-0.10414761304855348}],"sentiment":"neutral","sentiment_score":0.23493220408757529,"num_words":3,"start":3434.8608,"end":3438.481}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Speaking. Good. Thanks, Sonia. Yeah. That's fine. Yep. Rachael Dan, 08/18/1981. It's Life Certificate Shearwater Drive, Mosa Lakes. Yes, please. Not that I'm aware of or I can't say anything changed. I mean, of course, I've changed my jobs, but financially, my situation hasn't changed. Sorry. Can you please speak a little louder? I can barely hear you. Probably show me a shade better. Yes. Much better. Yep. All good. That's right. Yes. That's alright, Mehul? Let me check. Save this number. Yep. That's the one. Yes. That's right. That's changed. Healthcare Australia. Yeah. Full time. Yeah. That's dropped down because it's a it's a permanent role. Earlier, I was doing contracting. Now it's a permanent role. So that dropped down to 180,000 per annum, including super. Yes. No. Just the standard super. Look. I'm sure the the income is a bit lower than what it was before. But in terms of my expenses, I haven't seen like, I'm I'm able to make all the mortgage payments including all the top up that I have to do for investment property mortgages. Yeah. I haven't haven't been struggling at all. I mean, I'm still saving healthy amount of money every year. So yeah. I don't know if it's per week or fortnight. I have not kept a track of that. But, I mean, I do get when I bought a tax return, I do get a a return, and and I will take take that as my saving as well. Plus whatever I save during like, with each sort of pay cycle, that just goes into the savings account and stays there. So, yeah, I've never kept a formal track of that, but it's just that my savings have not gone down. They would they would be increasing gradually. That's right. Yeah. Sorry? Yeah. That's right. I'm Probably grown by another 30 k, I reckon. Yep. Yep. Combined. Yeah. I think that's correct. Yes. That's fine. And I just have seen this in property. Mhmm. Yep. Yeah. Yeah. That's incorrect. I think that that's around 300,000. Mhmm. Yeah. So I get about, I think, 500 from $1.06 9 6. That'd be the that'd be the Alexander Circuit. Alexander Circuit is 500 per week. And then Oceana Drive is $6.90 per week. And for Golden Road is, I think, $6.45 per week. Yep. Yes. Yep. I have. No. I don't have a will, but I definitely want to create one. So is there could you please send me either a will kit, the information, or or what's the what's the best step to get that done? Yeah. Yes. That's right. Yes. Riam, r I, a a, m. He's eight years old. Yeah. Mhmm. Yeah. My son. Yeah. Yeah. Yes. That's right. Yeah. Okay. So just to show I'm looking at the process, once the real is created, like, does it have to get registered somewhere? So centrally, like, my superannuation, all the banks and everyone knows that this is my role so that it can be executed in a certain way? Or how do people know that this is what I have included? Mhmm. Mhmm. Mhmm. Yep. Okay. So that could be a next of kin or is there a sort of Yeah. Alright. So if it's a solicitor, then I'm assuming it's not the individual person, but it's the the firm that I can sort of choose. Right? Mhmm. No. No. What I mean to say, like, is it the firm that I'm working with that will be responsible for making sure that the bill is executed correctly, or it'll be the person? Uh-huh. Yeah. So just a hypothetical, if I were to if I want my entire estate to go to discretionary fund, my customer to discretionary fund, which holds it in I don't know how it works, but I'm assuming and hold the entire estate and plus any any expenses that needs to be take care of until a certain age that I described. Until my son reaches a certain age, and then he becomes responsible for managing it. I do have a concern about due to his diagnosis and stuff, I do have a concern. And is it possible that I keep the discretionary component of it so that he is sort of protected and can't be taken advantage of even after becoming an adult, as in, like, after eighteen years. Yep. Yep. Yep. Okay. Yep. Yeah. I think because of his diagnosis, he'll always need that sort of a bit of a supervision even after he's turned 18 and come in adult. Yeah. Yeah. Yep. Yep. Yep. And also, in terms of the superannuation beneficiary, my son's a minor. So if I name him as the beneficiary, like, how does that work? Can I name him first? Because he's still a minor. And if I do, does that still pass on to the the discretionary testamentary fund or the trust? Or Okay. Yep. Sounds good. And usually, how long does it take to get the bill and everything established? Yep. Yep. Okay. So just one more thing that I'm struggling with at the moment. So say one of the policy solicitors that I go with or the the one that you suggested, I end up setting up my will with them. And it's sitting with them, say for example, or I share it with someone, I don't know. It say it's sitting with them. If I was something were to happen to me, how would people know that they are supposed to be informed about what's happened to me? Yeah. Uh-huh. Yep. Yep. Uh-huh. Okay. Detail. Yep. Yep. Yeah. Yep. Alright. Sounds good. Yep. I think that that was one of the things that I had on my mind that I'm going to sort out quickly. Yep. Sure. I've got a 01:30 meeting, which so my time at the moment is 12:15. I still have a there is a time, but yeah. Mhmm. Yeah. And I do wanna grow it quickly, and I want to stay in that high performing sort of zone for at least another ten years at least. Yep. Yep. That's right. Yes. So I'm I think I'm 44 or 45. So when when is the earliest I would be able to access Supra? '60? Okay. So fifteen years. Yeah. That makes sense. Yes. That's right. I understand. Yeah. Yep. I understand. Also, I was looking at options to potentially move towards or considering if if I could I could look at managing it on my own. Is that something that is an option? I mean, with the property option gone from self managed super fund, what are the other options apart from apart from the experience stuff that I could go with? Yeah. So is that is that the only option left at the moment? I mean, my preference was to possibly use superannuation to get another investment property. But with that goal being closed recently, what are the other options? Yeah. Open to commercial company, if it yeah. If if it makes sense. Or yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yeah. Okay. And stay inside. Yeah. I mean, it does. And if I were to even consider, say, another property, investment property, be it commercial, what what kind of amount I should have in my super for it to make sense? Mhmm. Okay. Yep. Yep. So alright. Let me just quickly open. Which email are you referring to? Sorry. So it came from GeniU. Right? Says you have until but this is for Cigna signing a document. Right? Yeah. Mhmm. Yep. Okay. Alright. Just going through the document now. So first is it's at the moment sitting at 218,000. Then the next is approximate benefit of life and TPD. And then income protection is 9.5. Do you think I need income protection? Yep. Yeah. Okay. Alright. And do I do you reckon I should have income protection, like, as a, like, even reduced amount? But do you think I should have income protection at all? I mean, I work in IT. There's no sort of Okay. Yeah. Yep. Yeah. Okay. Yep. And that is in addition to the life and I mean, life, of course, if I'm dead, then, of course, it doesn't come into play. But TPD so if it's, say, I'm I'm completely bedridden. I can't do anything. So that TPD comes into the play, but then income protection will be on top of it. Right? Okay. Yep. Makes sense. No. It's just the amount. Do you reckon that amount that we are covering at the moment should still be that amount? Or I think that might be the amount of my total salary that I'm getting at the moment. Yep. Mhmm. Yeah. It's a time. Do the entire right off the entire debt, it will be significant amount of increase to that number. Because I think my total debt would be sitting somewhere around 2,000,000. So yeah. So $450,000 is not gonna cover it, which does mean that if it if it comes to that, that one property needs to be sold because that definitely can cover the debt I have on my house. And if it means that one of the property needs to be sold to cover off the debt in such a manner that the properties are sort of self sustaining, as in, like, based on the income they generate, they sort of can sustain on that, then that would be the outcome I'm I'm looking for. Yep. Yeah. Yep. Yeah. Sounds good. Mhmm. Yep. Yeah. Definitely. So if we take out from that, where else are we thinking of? Yep. So just so I read it correctly, the Bennelong one says the income made in the period is $14.46. Is it? Okay. Yep. Right. Okay. So initially, you we started off with 65,000 on it, and we ended up yep. Alright. Right. So the total growth itself was negative, is it? Okay. So what is the overall number that we have sort of gone from and gone to? Yeah. Yeah. Yep. Yep. Yeah. Yeah. Right. Okay. So just trying to understand page two and page three. They both say it's from the same period. How are they different? Yeah. Oh, twenty '25. Yeah. Okay. So over a period of twelve months, I lost money. But over a period of six months last six months, it they're sort of cloned back a little bit. Yeah. Yeah. Yeah. So the thing that I'm struggling with is that the market value start of the period was 2,006 206. The deposit to the account were 26,000. And after that, the two the $2.32 actually ended up being 218,000. So even after the deposits are coming from my employer, and even if there was a zero growth or no growth whatsoever, if I were to cash it, it's basically eating up in my deposits. Yeah. That's about $1,300. Yep. Yeah. We're still not fifteen minutes. Yep. So one thirty my time. Yeah. Yep. Sounds good. Mhmm. Yeah. Yep. I understand that, you know, there is a negative loss that's in there. No. Negative return in there. The other thing that I'm looking at is the fee of on my account has grown from 1,600 to $3,700. So I'm looking at the I'm looking at so I've gone past a bit I've gone past the certificate of currency. I've gone past the yes. So Yep. Yes. Yep. Yep. Mhmm. Yep. Sounds good. Yeah. I'll have a look at the details on the email. And if I decide to move over there, I'll let you know in the email as well. Mhmm. Alright. Sounds good. If I were to decide to move away either from hub twenty four or from the current setup and and basically try and log in and manage this on my own. What does that look like? Yep. And, also, I appreciate if you could please find out what the amount for income protection should be based on my current income that you should be covering all. Alright. Sounds good. No worries. Thank you very much. Alright. Sounds good. Thank you. 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Yes. Speaking. Good. Thanks, Sonia.\n\nYeah. That's fine. Yep. Rachael Dan, 08/18/1981. It's Life Certificate Shearwater Drive, Mosa Lakes.\n\nYes, please. Not that I'm aware of or I can't say anything changed. I mean, of course, I've changed my jobs, but financially, my situation hasn't changed. Sorry. Can you please speak a little louder?\n\nI can barely hear you. Probably show me a shade better. Yes. Much better. Yep.\n\nAll good. That's right. Yes. That's alright, Mehul? Let me check.\n\nSave this number. Yep. That's the one. Yes. That's right.\n\nThat's changed. Healthcare Australia. Yeah. Full time. Yeah.\n\nThat's dropped down because it's a it's a permanent role. Earlier, I was doing contracting. Now it's a permanent role. So that dropped down to 180,000 per annum, including super. Yes.\n\nNo. Just the standard super. Look. I'm sure the the income is a bit lower than what it was before. But in terms of my expenses, I haven't seen like, I'm I'm able to make all the mortgage payments including all the top up that I have to do for investment property mortgages.\n\nYeah. I haven't haven't been struggling at all. I mean, I'm still saving healthy amount of money every year. So yeah. I don't know if it's per week or fortnight.\n\nI have not kept a track of that. But, I mean, I do get when I bought a tax return, I do get a a return, and and I will take take that as my saving as well. Plus whatever I save during like, with each sort of pay cycle, that just goes into the savings account and stays there. So, yeah, I've never kept a formal track of that, but it's just that my savings have not gone down. They would they would be increasing gradually.\n\nThat's right. Yeah. Sorry? Yeah. That's right.\n\nI'm Probably grown by another 30 k, I reckon. Yep. Yep. Combined. Yeah.\n\nI think that's correct. Yes. That's fine. And I just have seen this in property. Mhmm.\n\nYep. Yeah. Yeah. That's incorrect. I think that that's around 300,000.\n\nMhmm. Yeah. So I get about, I think, 500 from $1.06 9 6. That'd be the that'd be the Alexander Circuit. Alexander Circuit is 500 per week.\n\nAnd then Oceana Drive is $6.90 per week. And for Golden Road is, I think, $6.45 per week. Yep. Yes. Yep.\n\nI have. No. I don't have a will, but I definitely want to create one. So is there could you please send me either a will kit, the information, or or what's the what's the best step to get that done? Yeah.\n\nYes. That's right. Yes. Riam, r I, a a, m. He's eight years old.\n\nYeah. Mhmm. Yeah. My son. Yeah.\n\nYeah. Yes. That's right. Yeah. Okay.\n\nSo just to show I'm looking at the process, once the real is created, like, does it have to get registered somewhere? So centrally, like, my superannuation, all the banks and everyone knows that this is my role so that it can be executed in a certain way? Or how do people know that this is what I have included? Mhmm. Mhmm.\n\nMhmm. Yep. Okay. So that could be a next of kin or is there a sort of Yeah. Alright.\n\nSo if it's a solicitor, then I'm assuming it's not the individual person, but it's the the firm that I can sort of choose. Right? Mhmm. No. No.\n\nWhat I mean to say, like, is it the firm that I'm working with that will be responsible for making sure that the bill is executed correctly, or it'll be the person? Uh-huh. Yeah. So just a hypothetical, if I were to if I want my entire estate to go to discretionary fund, my customer to discretionary fund, which holds it in I don't know how it works, but I'm assuming and hold the entire estate and plus any any expenses that needs to be take care of until a certain age that I described. Until my son reaches a certain age, and then he becomes responsible for managing it.\n\nI do have a concern about due to his diagnosis and stuff, I do have a concern. And is it possible that I keep the discretionary component of it so that he is sort of protected and can't be taken advantage of even after becoming an adult, as in, like, after eighteen years. Yep. Yep. Yep.\n\nOkay. Yep. Yeah. I think because of his diagnosis, he'll always need that sort of a bit of a supervision even after he's turned 18 and come in adult. Yeah.\n\nYeah. Yep. Yep. Yep. And also, in terms of the superannuation beneficiary, my son's a minor.\n\nSo if I name him as the beneficiary, like, how does that work? Can I name him first? Because he's still a minor. And if I do, does that still pass on to the the discretionary testamentary fund or the trust? Or Okay.\n\nYep. Sounds good. And usually, how long does it take to get the bill and everything established? Yep. Yep.\n\nOkay. So just one more thing that I'm struggling with at the moment. So say one of the policy solicitors that I go with or the the one that you suggested, I end up setting up my will with them. And it's sitting with them, say for example, or I share it with someone, I don't know. It say it's sitting with them.\n\nIf I was something were to happen to me, how would people know that they are supposed to be informed about what's happened to me? Yeah. Uh-huh. Yep. Yep.\n\nUh-huh. Okay. Detail. Yep. Yep.\n\nYeah. Yep. Alright. Sounds good. Yep.\n\nI think that that was one of the things that I had on my mind that I'm going to sort out quickly. Yep. Sure. I've got a 01:30 meeting, which so my time at the moment is 12:15. I still have a there is a time, but yeah.\n\nMhmm. Yeah. And I do wanna grow it quickly, and I want to stay in that high performing sort of zone for at least another ten years at least. Yep. Yep.\n\nThat's right. Yes. So I'm I think I'm 44 or 45. So when when is the earliest I would be able to access Supra? '60?\n\nOkay. So fifteen years. Yeah. That makes sense. Yes.\n\nThat's right. I understand. Yeah. Yep. I understand.\n\nAlso, I was looking at options to potentially move towards or considering if if I could I could look at managing it on my own. Is that something that is an option? I mean, with the property option gone from self managed super fund, what are the other options apart from apart from the experience stuff that I could go with? Yeah. So is that is that the only option left at the moment?\n\nI mean, my preference was to possibly use superannuation to get another investment property. But with that goal being closed recently, what are the other options? Yeah. Open to commercial company, if it yeah. If if it makes sense.\n\nOr yeah. Mhmm. Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. Yeah. Okay. And stay inside.\n\nYeah. I mean, it does. And if I were to even consider, say, another property, investment property, be it commercial, what what kind of amount I should have in my super for it to make sense? Mhmm. Okay.\n\nYep. Yep. So alright. Let me just quickly open. Which email are you referring to?\n\nSorry. So it came from GeniU. Right? Says you have until but this is for Cigna signing a document. Right?\n\nYeah. Mhmm. Yep. Okay. Alright.\n\nJust going through the document now. So first is it's at the moment sitting at 218,000. Then the next is approximate benefit of life and TPD. And then income protection is 9.5. Do you think I need income protection?\n\nYep. Yeah. Okay. Alright. And do I do you reckon I should have income protection, like, as a, like, even reduced amount?\n\nBut do you think I should have income protection at all? I mean, I work in IT. There's no sort of Okay. Yeah. Yep.\n\nYeah. Okay. Yep. And that is in addition to the life and I mean, life, of course, if I'm dead, then, of course, it doesn't come into play. But TPD so if it's, say, I'm I'm completely bedridden.\n\nI can't do anything. So that TPD comes into the play, but then income protection will be on top of it. Right? Okay. Yep.\n\nMakes sense. No. It's just the amount. Do you reckon that amount that we are covering at the moment should still be that amount? Or I think that might be the amount of my total salary that I'm getting at the moment.\n\nYep. Mhmm. Yeah. It's a time. Do the entire right off the entire debt, it will be significant amount of increase to that number.\n\nBecause I think my total debt would be sitting somewhere around 2,000,000. So yeah. So $450,000 is not gonna cover it, which does mean that if it if it comes to that, that one property needs to be sold because that definitely can cover the debt I have on my house. And if it means that one of the property needs to be sold to cover off the debt in such a manner that the properties are sort of self sustaining, as in, like, based on the income they generate, they sort of can sustain on that, then that would be the outcome I'm I'm looking for. Yep.\n\nYeah. Yep. Yeah. Sounds good. Mhmm.\n\nYep. Yeah. Definitely. So if we take out from that, where else are we thinking of? Yep.\n\nSo just so I read it correctly, the Bennelong one says the income made in the period is $14.46. Is it? Okay. Yep. Right.\n\nOkay. So initially, you we started off with 65,000 on it, and we ended up yep. Alright. Right. So the total growth itself was negative, is it?\n\nOkay. So what is the overall number that we have sort of gone from and gone to? Yeah. Yeah. Yep.\n\nYep. Yeah. Yeah. Right. Okay.\n\nSo just trying to understand page two and page three. They both say it's from the same period. How are they different? Yeah. Oh, twenty '25.\n\nYeah. Okay. So over a period of twelve months, I lost money. But over a period of six months last six months, it they're sort of cloned back a little bit. Yeah.\n\nYeah. Yeah. So the thing that I'm struggling with is that the market value start of the period was 2,006 206. The deposit to the account were 26,000. And after that, the two the $2.32 actually ended up being 218,000.\n\nSo even after the deposits are coming from my employer, and even if there was a zero growth or no growth whatsoever, if I were to cash it, it's basically eating up in my deposits. Yeah. That's about $1,300. Yep. Yeah.\n\nWe're still not fifteen minutes. Yep. So one thirty my time. Yeah. Yep.\n\nSounds good. Mhmm. Yeah. Yep. I understand that, you know, there is a negative loss that's in there.\n\nNo. Negative return in there. The other thing that I'm looking at is the fee of on my account has grown from 1,600 to $3,700. So I'm looking at the I'm looking at so I've gone past a bit I've gone past the certificate of currency. I've gone past the yes.\n\nSo Yep. Yes. Yep. Yep. Mhmm.\n\nYep. Sounds good. Yeah. I'll have a look at the details on the email. And if I decide to move over there, I'll let you know in the email as well.\n\nMhmm. Alright. Sounds good. If I were to decide to move away either from hub twenty four or from the current setup and and basically try and log in and manage this on my own. What does that look like?\n\nYep. And, also, I appreciate if you could please find out what the amount for income protection should be based on my current income that you should be covering all. Alright. Sounds good. No worries.\n\nThank you very much. Alright. Sounds good. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.011090705171227455},{"text":"Yes.","start":4.88,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.07768038660287857},{"text":"Speaking.","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.07352858781814575},{"text":"Good.","start":10.08,"end":10.32,"sentiment":"positive","sentiment_score":0.47791987657547},{"text":"Thanks, Sonia.","start":10.32,"end":11.139999,"sentiment":"positive","sentiment_score":0.5609889030456543}],"sentiment":"neutral","sentiment_score":0.2936995603765051,"num_words":6,"start":1.12,"end":11.139999},{"sentences":[{"text":"Yeah.","start":20.724998,"end":20.885,"sentiment":"neutral","sentiment_score":0.11046606302261353},{"text":"That's fine.","start":20.885,"end":21.705,"sentiment":"neutral","sentiment_score":0.2518296539783478},{"text":"Yep.","start":30.21,"end":30.71,"sentiment":"neutral","sentiment_score":0.04868210479617119},{"text":"Rachael Dan, 08/18/1981.","start":30.769999,"end":33.809998,"sentiment":"neutral","sentiment_score":0.041465322176615395},{"text":"It's Life Certificate Shearwater Drive, Mosa Lakes.","start":33.809998,"end":36.47,"sentiment":"neutral","sentiment_score":0.06575410600219454}],"sentiment":"neutral","sentiment_score":0.08910587030862059,"num_words":14,"start":20.724998,"end":36.47},{"sentences":[{"text":"Yes, please.","start":51.185,"end":52.005,"sentiment":"neutral","sentiment_score":0.051894769072532654},{"text":"Not that I'm aware of or I can't say anything changed.","start":69.935005,"end":75.455,"sentiment":"neutral","sentiment_score":-0.08534519848498431},{"text":"I mean, of course, I've changed my jobs, but financially, my situation hasn't changed.","start":75.455,"end":80.015,"sentiment":"neutral","sentiment_score":-0.0796513461640903},{"text":"Sorry.","start":80.015,"end":80.335,"sentiment":"neutral","sentiment_score":-0.06535473465919495},{"text":"Can you please speak a little louder?","start":80.335,"end":81.935,"sentiment":"neutral","sentiment_score":-0.05469253925340516}],"sentiment":"neutral","sentiment_score":-0.06852368574057306,"num_words":35,"start":51.185,"end":81.935},{"sentences":[{"text":"I can barely hear you.","start":81.935,"end":83.22,"sentiment":"neutral","sentiment_score":-0.15708765089511872},{"text":"Probably show me a shade better.","start":92.74,"end":94.6,"sentiment":"neutral","sentiment_score":-0.061860211193561554},{"text":"Yes.","start":99.015,"end":99.255005,"sentiment":"neutral","sentiment_score":0.04618773236870766},{"text":"Much better.","start":99.255005,"end":99.995,"sentiment":"neutral","sentiment_score":0.07102880999445915},{"text":"Yep.","start":120.87,"end":121.35,"sentiment":"neutral","sentiment_score":0.04924404621124267}],"sentiment":"neutral","sentiment_score":-0.06127400820453962,"num_words":15,"start":81.935,"end":121.35},{"sentences":[{"text":"All good.","start":121.35,"end":122.01,"sentiment":"neutral","sentiment_score":0.14513511955738068},{"text":"That's right.","start":128.885,"end":129.525,"sentiment":"neutral","sentiment_score":0.08092028275132179},{"text":"Yes.","start":129.525,"end":130.025,"sentiment":"neutral","sentiment_score":0.07170823961496353},{"text":"That's alright, Mehul?","start":140.82,"end":141.96,"sentiment":"neutral","sentiment_score":-0.008632436394691466},{"text":"Let me check.","start":148.74,"end":149.64001,"sentiment":"neutral","sentiment_score":0.0066790540392200155}],"sentiment":"neutral","sentiment_score":0.04708717246963219,"num_words":11,"start":121.35,"end":149.64001},{"sentences":[{"text":"Save this number.","start":150.225,"end":151.445,"sentiment":"neutral","sentiment_score":0.017868162443240482},{"text":"Yep.","start":155.345,"end":155.665,"sentiment":"neutral","sentiment_score":0.10893326252698898},{"text":"That's the one.","start":155.665,"end":156.565,"sentiment":"neutral","sentiment_score":0.2563811739285787},{"text":"Yes.","start":164.23001,"end":164.73001,"sentiment":"neutral","sentiment_score":0.03377300500869751},{"text":"That's right.","start":175.43001,"end":176.07,"sentiment":"neutral","sentiment_score":0.051420340314507484}],"sentiment":"neutral","sentiment_score":0.1068294957280159,"num_words":10,"start":150.225,"end":176.07},{"sentences":[{"text":"That's changed.","start":176.07,"end":176.89001,"sentiment":"neutral","sentiment_score":0.058828966692090034},{"text":"Healthcare Australia.","start":181.035,"end":182.095,"sentiment":"neutral","sentiment_score":0.016911214217543602},{"text":"Yeah.","start":193.69,"end":194.01,"sentiment":"neutral","sentiment_score":0.03629389405250549},{"text":"Full time.","start":194.01,"end":194.83,"sentiment":"neutral","sentiment_score":0.037635987624526024},{"text":"Yeah.","start":206.425,"end":206.665,"sentiment":"neutral","sentiment_score":-0.0076211728155612946}],"sentiment":"neutral","sentiment_score":0.03192813228815794,"num_words":8,"start":176.07,"end":206.665},{"sentences":[{"text":"That's dropped down because it's a it's a permanent role.","start":206.665,"end":212.025,"sentiment":"neutral","sentiment_score":-0.17179760038852693},{"text":"Earlier, I was doing contracting.","start":212.025,"end":213.485,"sentiment":"neutral","sentiment_score":-0.09135861545801163},{"text":"Now it's a permanent role.","start":213.545,"end":214.925,"sentiment":"neutral","sentiment_score":-0.06927751749753952},{"text":"So that dropped down to 180,000 per annum, including super.","start":215.45,"end":221.54999,"sentiment":"neutral","sentiment_score":-0.03520869966596365},{"text":"Yes.","start":224.33,"end":224.83,"sentiment":"neutral","sentiment_score":0.044646091759204865}],"sentiment":"neutral","sentiment_score":-0.09124508301817602,"num_words":31,"start":206.665,"end":224.83},{"sentences":[{"text":"No.","start":242.76,"end":243.26,"sentiment":"neutral","sentiment_score":-0.10663298517465591},{"text":"Just the standard super.","start":244.04,"end":245.42,"sentiment":"neutral","sentiment_score":-0.07716346718370914},{"text":"Look.","start":261.495,"end":261.995,"sentiment":"neutral","sentiment_score":-0.060735318809747696},{"text":"I'm sure the the income is a bit lower than what it was before.","start":263.175,"end":268.075,"sentiment":"neutral","sentiment_score":-0.0974043288401195},{"text":"But in terms of my expenses, I haven't seen like, I'm I'm able to make all the mortgage payments including all the top up that I have to do for investment property mortgages.","start":269.94998,"end":279.40997,"sentiment":"neutral","sentiment_score":0.08243686542140716}],"sentiment":"neutral","sentiment_score":0.01661761853633062,"num_words":53,"start":242.76,"end":279.40997},{"sentences":[{"text":"Yeah.","start":281.895,"end":282.135,"sentiment":"positive","sentiment_score":0.36716601252555847},{"text":"I haven't haven't been struggling at all.","start":282.135,"end":286.855,"sentiment":"positive","sentiment_score":0.39839365652629305},{"text":"I mean, I'm still saving healthy amount of money every year.","start":286.855,"end":290.855,"sentiment":"positive","sentiment_score":0.5386884618889202},{"text":"So yeah.","start":290.855,"end":292.565,"sentiment":"neutral","sentiment_score":0.24585086107254028},{"text":"I don't know if it's per week or fortnight.","start":300.25,"end":302.65002,"sentiment":"neutral","sentiment_score":-0.18415154102775785}],"sentiment":"neutral","sentiment_score":0.26386108472943304,"num_words":30,"start":281.895,"end":302.65002},{"sentences":[{"text":"I have not kept a track of that.","start":302.65002,"end":304.57,"sentiment":"neutral","sentiment_score":-0.31567925587296486},{"text":"But, I mean, I do get when I bought a tax return, I do get a a return, and and I will take take that as my saving as well.","start":304.57,"end":314.405,"sentiment":"positive","sentiment_score":0.5019002482295036},{"text":"Plus whatever I save during like, with each sort of pay cycle, that just goes into the savings account and stays there.","start":315.745,"end":325.04498,"sentiment":"positive","sentiment_score":0.40400022945620795},{"text":"So, yeah, I've never kept a formal track of that, but it's just that my savings have not gone down.","start":325.7,"end":331.72,"sentiment":"neutral","sentiment_score":0.09551003426313401},{"text":"They would they would be increasing gradually.","start":332.18002,"end":335.08002,"sentiment":"neutral","sentiment_score":0.06790278745549065}],"sentiment":"neutral","sentiment_score":0.2736218235102193,"num_words":87,"start":302.65002,"end":335.08002},{"sentences":[{"text":"That's right.","start":340.405,"end":341.225,"sentiment":"neutral","sentiment_score":0.09430544450879098},{"text":"Yeah.","start":341.685,"end":342.185,"sentiment":"neutral","sentiment_score":0.0528298020362854},{"text":"Sorry?","start":348.405,"end":348.905,"sentiment":"neutral","sentiment_score":-0.04107942059636116},{"text":"Yeah.","start":354.725,"end":354.965,"sentiment":"neutral","sentiment_score":0.04892075061798096},{"text":"That's right.","start":354.965,"end":355.60498,"sentiment":"neutral","sentiment_score":0.10445693507790565}],"sentiment":"neutral","sentiment_score":0.0654565558901855,"num_words":7,"start":340.405,"end":355.60498},{"sentences":[{"text":"I'm Probably grown by another 30 k, I reckon.","start":355.60498,"end":359.1,"sentiment":"neutral","sentiment_score":0.06918962589568561},{"text":"Yep.","start":362.12,"end":362.62,"sentiment":"neutral","sentiment_score":0.024382278323173523},{"text":"Yep.","start":364.92,"end":365.42,"sentiment":"neutral","sentiment_score":0.03462951257824898},{"text":"Combined.","start":375.655,"end":376.155,"sentiment":"neutral","sentiment_score":0.03025478683412075},{"text":"Yeah.","start":377.01498,"end":377.335,"sentiment":"neutral","sentiment_score":0.07919730991125107}],"sentiment":"neutral","sentiment_score":0.06085927082368961,"num_words":13,"start":355.60498,"end":377.335},{"sentences":[{"text":"I think that's correct.","start":377.335,"end":378.555,"sentiment":"neutral","sentiment_score":0.10481789894402027},{"text":"Yes.","start":391.43,"end":391.67,"sentiment":"neutral","sentiment_score":0.052470773458480835},{"text":"That's fine.","start":391.67,"end":397.425,"sentiment":"neutral","sentiment_score":0.04189523495733738},{"text":"And I just have seen this in property.","start":397.425,"end":399.125,"sentiment":"neutral","sentiment_score":0.0030679816845804453},{"text":"Mhmm.","start":404.72,"end":405.22,"sentiment":"neutral","sentiment_score":-0.009136568754911424}],"sentiment":"neutral","sentiment_score":0.03568375774193555,"num_words":16,"start":377.335,"end":405.22},{"sentences":[{"text":"Yep.","start":415.36002,"end":415.86002,"sentiment":"neutral","sentiment_score":0.03301682323217392},{"text":"Yeah.","start":426.655,"end":427.155,"sentiment":"neutral","sentiment_score":0.019773829728364944},{"text":"Yeah.","start":437.15997,"end":437.47998,"sentiment":"neutral","sentiment_score":-0.0624108612537384},{"text":"That's incorrect.","start":437.47998,"end":438.22,"sentiment":"neutral","sentiment_score":-0.1877192258834839},{"text":"I think that that's around 300,000.","start":453.815,"end":456.43,"sentiment":"neutral","sentiment_score":0.00856196383635203}],"sentiment":"neutral","sentiment_score":-0.03033517064018683,"num_words":11,"start":415.36002,"end":456.43},{"sentences":[{"text":"Mhmm.","start":458.33,"end":458.83,"sentiment":"neutral","sentiment_score":0.005872226785868406},{"text":"Yeah.","start":466.88998,"end":467.28998,"sentiment":"neutral","sentiment_score":0.0027793545741587877},{"text":"So I get about, I think, 500 from $1.06 9 6.","start":467.28998,"end":477.535,"sentiment":"neutral","sentiment_score":0.018162749623033134},{"text":"That'd be the that'd be the Alexander Circuit.","start":479.355,"end":488.37,"sentiment":"neutral","sentiment_score":0.02742945379577577},{"text":"Alexander Circuit is 500 per 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have.","start":536.84503,"end":537.505,"sentiment":"neutral","sentiment_score":0.03982980363070965},{"text":"No.","start":546.62,"end":547.12,"sentiment":"neutral","sentiment_score":-0.10683856904506683},{"text":"I don't have a will, but I definitely want to create one.","start":554.33496,"end":557.77496,"sentiment":"neutral","sentiment_score":-0.1148270337531964},{"text":"So is there could you please send me either a will kit, the information, or or what's the what's the best step to get that done?","start":557.77496,"end":569.13,"sentiment":"neutral","sentiment_score":0.021344827953726053},{"text":"Yeah.","start":577.11,"end":577.61,"sentiment":"neutral","sentiment_score":0.03190884366631508}],"sentiment":"neutral","sentiment_score":-0.0194816427704479,"num_words":42,"start":536.84503,"end":577.61},{"sentences":[{"text":"Yes.","start":586.245,"end":586.565,"sentiment":"neutral","sentiment_score":0.029440782964229584},{"text":"That's 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just to show I'm looking at the process, once the real is created, like, does it have to get registered somewhere?","start":658.225,"end":668.785,"sentiment":"neutral","sentiment_score":0.054750357161868705},{"text":"So centrally, like, my superannuation, all the banks and everyone knows that this is my role so that it can be executed in a certain way?","start":668.785,"end":677.52,"sentiment":"neutral","sentiment_score":0.10421269623419413},{"text":"Or how do people know that this is what I have 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choose.","start":775.39496,"end":783.62,"sentiment":"neutral","sentiment_score":-0.002558186689081291},{"text":"Right?","start":783.62,"end":784.12,"sentiment":"neutral","sentiment_score":0.08001412451267242},{"text":"Mhmm.","start":790.095,"end":790.595,"sentiment":"neutral","sentiment_score":0.163918137550354},{"text":"No.","start":799.375,"end":799.535,"sentiment":"neutral","sentiment_score":-0.2008948028087616},{"text":"No.","start":799.535,"end":799.69495,"sentiment":"neutral","sentiment_score":-0.22388386726379397}],"sentiment":"neutral","sentiment_score":-0.008651531733838575,"num_words":28,"start":775.39496,"end":799.69495},{"sentences":[{"text":"What I mean to say, like, is it the firm that I'm working with that will be responsible for making sure that the bill is executed correctly, or it'll be the person?","start":799.69495,"end":812.34,"sentiment":"neutral","sentiment_score":-0.13920212304219604},{"text":"Uh-huh.","start":819.04,"end":819.465,"sentiment":"neutral","sentiment_score":-0.01544837187975645},{"text":"Yeah.","start":822.265,"end":822.765,"sentiment":"neutral","sentiment_score":0.052261240780353546},{"text":"So just a hypothetical, if I were to if I want my entire estate to go to discretionary fund, my customer to discretionary fund, which holds it in I don't know how it works, but I'm assuming and hold the entire estate and plus any any expenses that needs to be take care of until a certain age that I described.","start":830.34503,"end":859.89496,"sentiment":"neutral","sentiment_score":-0.025899207158411135},{"text":"Until my son reaches a certain age, and then he becomes responsible for managing it.","start":860.915,"end":866.98,"sentiment":"neutral","sentiment_score":-0.061953513075908025}],"sentiment":"neutral","sentiment_score":-0.06297099455683068,"num_words":110,"start":799.69495,"end":866.98},{"sentences":[{"text":"I do have a concern about due to his diagnosis and stuff, I do have a concern.","start":868.24,"end":873.86,"sentiment":"neutral","sentiment_score":-0.1654797956785735},{"text":"And is it possible that I keep the discretionary component of it so that he is sort of protected and can't be taken advantage of even after becoming an adult, as in, like, after eighteen years.","start":874.805,"end":893.04,"sentiment":"neutral","sentiment_score":-0.09917854000296858},{"text":"Yep.","start":900.94,"end":901.245,"sentiment":"neutral","sentiment_score":0.03955984115600586},{"text":"Yep.","start":901.805,"end":902.305,"sentiment":"neutral","sentiment_score":0.0510597750544548},{"text":"Yep.","start":912.525,"end":913.025,"sentiment":"neutral","sentiment_score":-0.016783028841018677}],"sentiment":"neutral","sentiment_score":-0.11267406034416386,"num_words":56,"start":868.24,"end":913.025},{"sentences":[{"text":"Okay.","start":920.38,"end":920.88,"sentiment":"neutral","sentiment_score":0.202427476644516},{"text":"Yep.","start":936.405,"end":936.905,"sentiment":"neutral","sentiment_score":0.13342565298080444},{"text":"Yeah.","start":947.30005,"end":947.62006,"sentiment":"neutral","sentiment_score":-0.03246631473302841},{"text":"I think because of his diagnosis, he'll always need that sort of a bit of a supervision even after he's turned 18 and come in adult.","start":947.62006,"end":956.195,"sentiment":"neutral","sentiment_score":-0.10540431995804493},{"text":"Yeah.","start":958.495,"end":958.995,"sentiment":"neutral","sentiment_score":0.17061690986156464}],"sentiment":"neutral","sentiment_score":-0.07555028647184373,"num_words":30,"start":920.38,"end":958.995},{"sentences":[{"text":"Yeah.","start":972.36,"end":972.86,"sentiment":"neutral","sentiment_score":0.051241956651210785},{"text":"Yep.","start":976.36,"end":976.86,"sentiment":"neutral","sentiment_score":0.02267391607165337},{"text":"Yep.","start":990.275,"end":990.66,"sentiment":"neutral","sentiment_score":0.02287079021334648},{"text":"Yep.","start":992.42,"end":992.89996,"sentiment":"neutral","sentiment_score":0.044375788420438766},{"text":"And also, in terms of the superannuation beneficiary, my son's a minor.","start":992.89996,"end":999.69995,"sentiment":"neutral","sentiment_score":0.04202553660919269}],"sentiment":"neutral","sentiment_score":0.040341805666685104,"num_words":16,"start":972.36,"end":999.69995},{"sentences":[{"text":"So if I name him as the beneficiary, like, how does that work?","start":999.69995,"end":1003.56,"sentiment":"neutral","sentiment_score":0.06875107723933},{"text":"Can I name him first?","start":1004.495,"end":1005.855,"sentiment":"neutral","sentiment_score":0.027431564033031465},{"text":"Because he's still a minor.","start":1005.855,"end":1007.315,"sentiment":"neutral","sentiment_score":-0.012878522276878357},{"text":"And if I do, does that still pass on to the the discretionary testamentary fund or the trust?","start":1007.455,"end":1017.29,"sentiment":"neutral","sentiment_score":0.0021440148767497805},{"text":"Or 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example, or I share it with someone, I don't know.","start":1141.845,"end":1145.76,"sentiment":"neutral","sentiment_score":-0.03858949923340012},{"text":"It say it's sitting with them.","start":1146.0,"end":1147.68,"sentiment":"neutral","sentiment_score":-0.042161619290709496}],"sentiment":"neutral","sentiment_score":-0.05849152247584055,"num_words":63,"start":1123.66,"end":1147.68},{"sentences":[{"text":"If I was something were to happen to me, how would people know that they are supposed to be informed about what's happened to 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yeah.","start":1334.1599,"end":1336.9099,"sentiment":"neutral","sentiment_score":0.05563391894102097}],"sentiment":"neutral","sentiment_score":0.20192023242513338,"num_words":48,"start":1302.2899,"end":1336.9099},{"sentences":[{"text":"Mhmm.","start":1351.9349,"end":1352.4349,"sentiment":"neutral","sentiment_score":0.1079435870051384},{"text":"Yeah.","start":1364.17,"end":1364.57,"sentiment":"neutral","sentiment_score":0.11329976469278336},{"text":"And I do wanna grow it quickly, and I want to stay in that high performing sort of zone for at least another ten years at 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Supra?","start":1389.41,"end":1393.605,"sentiment":"neutral","sentiment_score":0.0008680724914973745},{"text":"'60?","start":1400.965,"end":1401.125,"sentiment":"neutral","sentiment_score":-0.0013463490176945925}],"sentiment":"neutral","sentiment_score":0.025062217391096056,"num_words":25,"start":1383.9701,"end":1401.125},{"sentences":[{"text":"Okay.","start":1401.125,"end":1401.525,"sentiment":"neutral","sentiment_score":0.012214668095111849},{"text":"So fifteen years.","start":1401.525,"end":1402.565,"sentiment":"neutral","sentiment_score":0.007937954117854437},{"text":"Yeah.","start":1402.565,"end":1402.965,"sentiment":"neutral","sentiment_score":0.06722089648246765},{"text":"That makes sense.","start":1402.965,"end":1403.945,"sentiment":"neutral","sentiment_score":0.10144815345605214},{"text":"Yes.","start":1410.8999,"end":1411.2999,"sentiment":"neutral","sentiment_score":0.10170041024684906}],"sentiment":"neutral","sentiment_score":0.05658825528290537,"num_words":9,"start":1401.125,"end":1411.2999},{"sentences":[{"text":"That's right.","start":1411.2999,"end":1412.12,"sentiment":"neutral","sentiment_score":0.14372310787439346},{"text":"I understand.","start":1426.355,"end":1427.095,"sentiment":"neutral","sentiment_score":-0.008471660315990448},{"text":"Yeah.","start":1427.315,"end":1427.815,"sentiment":"neutral","sentiment_score":0.05672100558876991},{"text":"Yep.","start":1428.515,"end":1428.835,"sentiment":"neutral","sentiment_score":0.09264647960662842},{"text":"I 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that the only option left at the moment?","start":1501.205,"end":1504.105,"sentiment":"neutral","sentiment_score":-0.05603730523337921}],"sentiment":"neutral","sentiment_score":-0.005736616641484402,"num_words":74,"start":1429.635,"end":1504.105},{"sentences":[{"text":"I mean, my preference was to possibly use superannuation to get another investment property.","start":1504.485,"end":1513.11,"sentiment":"neutral","sentiment_score":-0.06647957675158978},{"text":"But with that goal being closed recently, what are the other options?","start":1514.21,"end":1518.39,"sentiment":"neutral","sentiment_score":-0.055762083580096565},{"text":"Yeah.","start":1529.105,"end":1529.345,"sentiment":"neutral","sentiment_score":0.010682744905352592},{"text":"Open to commercial company, if it yeah.","start":1529.345,"end":1531.745,"sentiment":"neutral","sentiment_score":0.025214062737567083},{"text":"If if it makes sense.","start":1531.745,"end":1533.105,"sentiment":"neutral","sentiment_score":0.0390528317540884}],"sentiment":"neutral","sentiment_score":-0.03121573678576029,"num_words":39,"start":1504.485,"end":1533.105},{"sentences":[{"text":"Or 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to?","start":1763.745,"end":1765.265,"sentiment":"neutral","sentiment_score":-0.041634429867068924}],"sentiment":"neutral","sentiment_score":0.028829688609888156,"num_words":15,"start":1721.3351,"end":1765.265},{"sentences":[{"text":"Sorry.","start":1765.265,"end":1765.765,"sentiment":"neutral","sentiment_score":-0.15139026939868927},{"text":"So it came from GeniU.","start":1775.21,"end":1777.39,"sentiment":"neutral","sentiment_score":-0.021929463557898998},{"text":"Right?","start":1777.77,"end":1778.27,"sentiment":"neutral","sentiment_score":-0.009683904238045216},{"text":"Says you have until but this is for Cigna signing a document.","start":1779.9299,"end":1783.45,"sentiment":"neutral","sentiment_score":-0.04504773486405611},{"text":"Right?","start":1783.45,"end":1783.95,"sentiment":"neutral","sentiment_score":0.011597741395235062}],"sentiment":"neutral","sentiment_score":-0.03998482841998339,"num_words":20,"start":1765.265,"end":1783.95},{"sentences":[{"text":"Yeah.","start":1793.785,"end":1794.285,"sentiment":"neutral","sentiment_score":0.1968008279800415},{"text":"Mhmm.","start":1800.16,"end":1800.66,"sentiment":"neutral","sentiment_score":0.06297952681779861},{"text":"Yep.","start":1805.4401,"end":1805.9401,"sentiment":"neutral","sentiment_score":0.15198159217834473},{"text":"Okay.","start":1807.68,"end":1808.18,"sentiment":"neutral","sentiment_score":-0.008818501606583595},{"text":"Alright.","start":1823.13,"end":1823.37,"sentiment":"neutral","sentiment_score":-0.10872866958379744}],"sentiment":"neutral","sentiment_score":0.05884295515716076,"num_words":5,"start":1793.785,"end":1823.37},{"sentences":[{"text":"Just going through the document now.","start":1823.37,"end":1825.55,"sentiment":"neutral","sentiment_score":-0.03748983796685934},{"text":"So first is it's at the moment sitting at 218,000.","start":1826.25,"end":1830.1901,"sentiment":"neutral","sentiment_score":0.004703443450853229},{"text":"Then the next is approximate benefit of life and TPD.","start":1830.97,"end":1834.35,"sentiment":"neutral","sentiment_score":0.007603850215673447},{"text":"And then income protection is 9.5.","start":1835.77,"end":1838.265,"sentiment":"neutral","sentiment_score":-0.01618744106963277},{"text":"Do you think I need income protection?","start":1840.905,"end":1842.845,"sentiment":"neutral","sentiment_score":-0.08100431518895286}],"sentiment":"neutral","sentiment_score":-0.019641562663496304,"num_words":39,"start":1823.37,"end":1842.845},{"sentences":[{"text":"Yep.","start":1852.585,"end":1852.95,"sentiment":"neutral","sentiment_score":-0.0834282860159874},{"text":"Yeah.","start":1861.2699,"end":1861.7699,"sentiment":"neutral","sentiment_score":-0.13152524828910828},{"text":"Okay.","start":1870.885,"end":1871.385,"sentiment":"neutral","sentiment_score":0.07620669901371002},{"text":"Alright.","start":1874.965,"end":1875.465,"sentiment":"neutral","sentiment_score":0.08337879180908203},{"text":"And do I do you reckon I should have income protection, like, as a, like, even reduced amount?","start":1875.605,"end":1882.8401,"sentiment":"neutral","sentiment_score":0.015065074484381411}],"sentiment":"neutral","sentiment_score":0.009809240783480081,"num_words":22,"start":1852.585,"end":1882.8401},{"sentences":[{"text":"But do you think I should have income protection at all?","start":1882.8401,"end":1885.66,"sentiment":"neutral","sentiment_score":-0.049743949858979744},{"text":"I mean, I work in IT.","start":1886.4401,"end":1888.2201,"sentiment":"neutral","sentiment_score":-0.036921230455239616},{"text":"There's no sort of 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play.","start":1943.8651,"end":1952.685,"sentiment":"neutral","sentiment_score":-0.022338322699069976},{"text":"But TPD so if it's, say, I'm I'm completely bedridden.","start":1952.8251,"end":1957.4401,"sentiment":"neutral","sentiment_score":-0.05903627369552851}],"sentiment":"neutral","sentiment_score":-0.030963453672532188,"num_words":38,"start":1941.0,"end":1957.4401},{"sentences":[{"text":"I can't do anything.","start":1957.4401,"end":1958.48,"sentiment":"neutral","sentiment_score":-0.09691261500120163},{"text":"So that TPD comes into the play, but then income protection will be on top of it.","start":1958.48,"end":1962.56,"sentiment":"neutral","sentiment_score":0.011932113043525639},{"text":"Right?","start":1962.56,"end":1963.06,"sentiment":"neutral","sentiment_score":0.03735612332820892},{"text":"Okay.","start":1964.48,"end":1964.88,"sentiment":"neutral","sentiment_score":0.06865032017230988},{"text":"Yep.","start":1964.88,"end":1965.2,"sentiment":"neutral","sentiment_score":0.10441388934850691}],"sentiment":"neutral","sentiment_score":0.0010673247743397945,"num_words":24,"start":1957.4401,"end":1965.2},{"sentences":[{"text":"Makes sense.","start":1965.2,"end":1965.9401,"sentiment":"neutral","sentiment_score":0.1384875252842903},{"text":"No.","start":1973.805,"end":1973.9651,"sentiment":"neutral","sentiment_score":-0.006830815225839615},{"text":"It's just the amount.","start":1973.9651,"end":1975.485,"sentiment":"neutral","sentiment_score":-0.03188367187976837},{"text":"Do you reckon that amount that we are covering at the moment should still be that amount?","start":1975.485,"end":1979.485,"sentiment":"neutral","sentiment_score":-0.03752050154349383},{"text":"Or I think that might be the amount of my total salary that I'm getting at the moment.","start":1979.485,"end":1986.06,"sentiment":"neutral","sentiment_score":-0.02417117471082343}],"sentiment":"neutral","sentiment_score":-0.0221504791240607,"num_words":42,"start":1965.2,"end":1986.06},{"sentences":[{"text":"Yep.","start":1991.56,"end":1992.06,"sentiment":"neutral","sentiment_score":-0.009149408899247646},{"text":"Mhmm.","start":2032.1649,"end":2032.6649,"sentiment":"neutral","sentiment_score":0.00720819178968668},{"text":"Yeah.","start":2058.425,"end":2058.665,"sentiment":"neutral","sentiment_score":-0.010064690373837948},{"text":"It's a time.","start":2058.665,"end":2059.405,"sentiment":"neutral","sentiment_score":-0.03940941269199053},{"text":"Do the entire right off the entire debt, it will be significant amount of increase to that number.","start":2060.41,"end":2068.51,"sentiment":"neutral","sentiment_score":-0.1315909559941954}],"sentiment":"neutral","sentiment_score":-0.104119639727287,"num_words":24,"start":1991.56,"end":2068.51},{"sentences":[{"text":"Because I think my total debt would be sitting somewhere around 2,000,000.","start":2070.09,"end":2075.7349,"sentiment":"neutral","sentiment_score":-0.09439799841493368},{"text":"So yeah.","start":2076.1948,"end":2077.9749,"sentiment":"neutral","sentiment_score":-0.024697670713067055},{"text":"So $450,000 is not gonna cover it, which does mean that if it if it comes to that, that one property needs to be sold because that definitely can cover the debt I have on my house.","start":2078.595,"end":2094.82,"sentiment":"neutral","sentiment_score":-0.08841058340024303},{"text":"And if it means that one of the property needs to be sold to cover off the debt in such a manner that the properties are sort of self sustaining, as in, like, based on the income they generate, they sort of can sustain on that, then that would be the outcome I'm I'm looking for.","start":2097.04,"end":2118.6802,"sentiment":"neutral","sentiment_score":0.1334827682003379},{"text":"Yep.","start":2134.605,"end":2135.105,"sentiment":"neutral","sentiment_score":0.083065465092659}],"sentiment":"neutral","sentiment_score":0.02874757014904861,"num_words":108,"start":2070.09,"end":2135.105},{"sentences":[{"text":"Yeah.","start":2148.1401,"end":2148.6401,"sentiment":"neutral","sentiment_score":0.06569027900695801},{"text":"Yep.","start":2161.195,"end":2161.515,"sentiment":"neutral","sentiment_score":0.1777862161397934},{"text":"Yeah.","start":2161.515,"end":2161.915,"sentiment":"neutral","sentiment_score":0.3010982275009155},{"text":"Sounds good.","start":2161.915,"end":2162.7349,"sentiment":"positive","sentiment_score":0.4813281297683716},{"text":"Mhmm.","start":2204.0398,"end":2204.5398,"sentiment":"neutral","sentiment_score":-0.3198462724685669}],"sentiment":"neutral","sentiment_score":0.1978974516193072,"num_words":6,"start":2148.1401,"end":2204.5398},{"sentences":[{"text":"Yep.","start":2215.365,"end":2215.865,"sentiment":"neutral","sentiment_score":-0.0952737033367157},{"text":"Yeah.","start":2227.06,"end":2227.3,"sentiment":"neutral","sentiment_score":0.09447358548641203},{"text":"Definitely.","start":2227.3,"end":2227.8,"sentiment":"neutral","sentiment_score":0.14232707023620603},{"text":"So if we take out from that, where else are we thinking of?","start":2227.9402,"end":2231.985,"sentiment":"neutral","sentiment_score":0.01116885058581829},{"text":"Yep.","start":2292.765,"end":2293.08,"sentiment":"neutral","sentiment_score":0.12111257016658784}],"sentiment":"neutral","sentiment_score":0.023990269421654584,"num_words":17,"start":2215.365,"end":2293.08},{"sentences":[{"text":"So just so I read it correctly, the Bennelong one says the income made in the period is $14.46.","start":2338.325,"end":2349.82,"sentiment":"neutral","sentiment_score":-0.012556039041986591},{"text":"Is it?","start":2349.82,"end":2350.4802,"sentiment":"neutral","sentiment_score":0.015968567691743374},{"text":"Okay.","start":2355.02,"end":2355.52,"sentiment":"neutral","sentiment_score":0.0052818432450294495},{"text":"Yep.","start":2355.82,"end":2356.32,"sentiment":"neutral","sentiment_score":-0.015974262729287148},{"text":"Right.","start":2366.075,"end":2366.475,"sentiment":"neutral","sentiment_score":-0.12169758230447768}],"sentiment":"neutral","sentiment_score":-0.014125733675124744,"num_words":24,"start":2338.325,"end":2366.475},{"sentences":[{"text":"Okay.","start":2366.475,"end":2366.795,"sentiment":"neutral","sentiment_score":-0.07040390372276306},{"text":"So initially, you we started off with 65,000 on it, and we ended up yep.","start":2366.795,"end":2379.98,"sentiment":"neutral","sentiment_score":-0.06842891424894333},{"text":"Alright.","start":2393.895,"end":2394.395,"sentiment":"neutral","sentiment_score":-0.02240343950688839},{"text":"Right.","start":2409.7402,"end":2410.2402,"sentiment":"neutral","sentiment_score":-0.04628393799066544},{"text":"So the total growth itself was negative, is it?","start":2434.01,"end":2436.945,"sentiment":"neutral","sentiment_score":-0.3290734075837665}],"sentiment":"neutral","sentiment_score":-0.1528587282669765,"num_words":27,"start":2366.475,"end":2436.945},{"sentences":[{"text":"Okay.","start":2444.3052,"end":2444.625,"sentiment":"neutral","sentiment_score":-0.05512413382530213},{"text":"So what is the overall number that we have sort of gone from and gone to?","start":2444.625,"end":2448.8052,"sentiment":"neutral","sentiment_score":-0.06606595613993704},{"text":"Yeah.","start":2460.32,"end":2460.82,"sentiment":"neutral","sentiment_score":0.00032454077154397964},{"text":"Yeah.","start":2470.8152,"end":2471.3152,"sentiment":"neutral","sentiment_score":-0.029530871659517288},{"text":"Yep.","start":2480.11,"end":2480.61,"sentiment":"neutral","sentiment_score":-0.006618879735469818}],"sentiment":"neutral","sentiment_score":-0.0574002321343869,"num_words":20,"start":2444.3052,"end":2480.61},{"sentences":[{"text":"Yep.","start":2487.71,"end":2488.155,"sentiment":"neutral","sentiment_score":-0.06963485479354858},{"text":"Yeah.","start":2496.155,"end":2496.655,"sentiment":"neutral","sentiment_score":-0.2926417589187622},{"text":"Yeah.","start":2500.875,"end":2501.2751,"sentiment":"neutral","sentiment_score":-0.10180408507585526},{"text":"Right.","start":2501.2751,"end":2501.7751,"sentiment":"neutral","sentiment_score":-0.06001220643520355},{"text":"Okay.","start":2546.905,"end":2547.405,"sentiment":"neutral","sentiment_score":0.0788680911064148}],"sentiment":"neutral","sentiment_score":-0.08904496282339096,"num_words":5,"start":2487.71,"end":2547.405},{"sentences":[{"text":"So just trying to understand page two and page three.","start":2615.8452,"end":2618.725,"sentiment":"neutral","sentiment_score":-0.047889651730656624},{"text":"They both say it's from the same period.","start":2618.725,"end":2621.625,"sentiment":"neutral","sentiment_score":-0.05275633791461587},{"text":"How are they different?","start":2622.165,"end":2623.225,"sentiment":"neutral","sentiment_score":-0.07473629713058472},{"text":"Yeah.","start":2626.82,"end":2627.32,"sentiment":"neutral","sentiment_score":-0.0700514018535614},{"text":"Oh, twenty '25.","start":2636.34,"end":2637.56,"sentiment":"neutral","sentiment_score":-0.05776965245604515}],"sentiment":"neutral","sentiment_score":-0.055509721860289574,"num_words":26,"start":2615.8452,"end":2637.56},{"sentences":[{"text":"Yeah.","start":2640.66,"end":2641.16,"sentiment":"neutral","sentiment_score":-0.02773967757821083},{"text":"Okay.","start":2653.76,"end":2654.0798,"sentiment":"neutral","sentiment_score":-0.06227581575512886},{"text":"So over a period of twelve months, I lost money.","start":2654.0798,"end":2656.56,"sentiment":"neutral","sentiment_score":-0.2879993930459023},{"text":"But over a period of six months last six months, it they're sort of cloned back a little bit.","start":2656.56,"end":2663.3,"sentiment":"neutral","sentiment_score":-0.12015431266474097},{"text":"Yeah.","start":2670.335,"end":2670.835,"sentiment":"neutral","sentiment_score":-0.006275647319853306}],"sentiment":"neutral","sentiment_score":-0.16435053161694668,"num_words":32,"start":2640.66,"end":2670.835},{"sentences":[{"text":"Yeah.","start":2681.49,"end":2681.99,"sentiment":"neutral","sentiment_score":-0.003740735352039337},{"text":"Yeah.","start":2687.41,"end":2687.91,"sentiment":"neutral","sentiment_score":-0.002977810800075531},{"text":"So the thing that I'm struggling with is that the market value start of the period was 2,006 206.","start":2726.575,"end":2732.31,"sentiment":"negative","sentiment_score":-0.5066057098539252},{"text":"The deposit to the account were 26,000.","start":2732.95,"end":2735.69,"sentiment":"neutral","sentiment_score":-0.33087843656539917},{"text":"And after that, the two the $2.32 actually ended up being 218,000.","start":2738.6301,"end":2747.69,"sentiment":"neutral","sentiment_score":-0.2962573431432247}],"sentiment":"negative","sentiment_score":-0.3875866051763296,"num_words":40,"start":2681.49,"end":2747.69},{"sentences":[{"text":"So even after the deposits are coming from my employer, and even if there was a zero growth or no growth whatsoever, if I were to cash it, it's basically eating up in my deposits.","start":2748.555,"end":2760.255,"sentiment":"negative","sentiment_score":-0.506090749161584},{"text":"Yeah.","start":2773.6401,"end":2774.085,"sentiment":"neutral","sentiment_score":-0.030879389494657516},{"text":"That's about $1,300.","start":2783.525,"end":2785.4648,"sentiment":"neutral","sentiment_score":-0.03716274040440718},{"text":"Yep.","start":2785.525,"end":2786.025,"sentiment":"neutral","sentiment_score":0.02947544865310192},{"text":"Yeah.","start":2798.02,"end":2798.1802,"sentiment":"neutral","sentiment_score":-0.015571136958897114}],"sentiment":"negative","sentiment_score":-0.4351619395041248,"num_words":41,"start":2748.555,"end":2798.1802},{"sentences":[{"text":"We're still not fifteen minutes.","start":2798.1802,"end":2799.54,"sentiment":"neutral","sentiment_score":-0.03812945634126663},{"text":"Yep.","start":2799.54,"end":2800.005,"sentiment":"neutral","sentiment_score":-0.008358337916433811},{"text":"So one thirty my time.","start":2803.045,"end":2804.505,"sentiment":"neutral","sentiment_score":-0.025068937987089156},{"text":"Yeah.","start":2813.9248,"end":2814.42,"sentiment":"neutral","sentiment_score":0.07928603142499924},{"text":"Yep.","start":2835.875,"end":2836.195,"sentiment":"neutral","sentiment_score":0.26308494806289673}],"sentiment":"neutral","sentiment_score":0.0013862053792064006,"num_words":13,"start":2798.1802,"end":2836.195},{"sentences":[{"text":"Sounds good.","start":2836.195,"end":2837.0151,"sentiment":"positive","sentiment_score":0.6047958135604858},{"text":"Mhmm.","start":2889.935,"end":2890.38,"sentiment":"neutral","sentiment_score":0.09320375323295592},{"text":"Yeah.","start":2941.385,"end":2941.71,"sentiment":"neutral","sentiment_score":0.12243479490280151},{"text":"Yep.","start":2979.58,"end":2979.975,"sentiment":"neutral","sentiment_score":0.10642533749341963},{"text":"I understand that, you know, there is a negative loss that's in there.","start":3075.52,"end":3079.7,"sentiment":"neutral","sentiment_score":-0.19318726028387362}],"sentiment":"neutral","sentiment_score":-0.05443215949667825,"num_words":18,"start":2836.195,"end":3079.7},{"sentences":[{"text":"No.","start":3083.265,"end":3083.5051,"sentiment":"negative","sentiment_score":-0.3477618098258972},{"text":"Negative return in there.","start":3083.5051,"end":3084.805,"sentiment":"negative","sentiment_score":-0.3714139759540558},{"text":"The other thing that I'm looking at is the fee of on my account has grown from 1,600 to $3,700.","start":3085.185,"end":3091.525,"sentiment":"neutral","sentiment_score":-0.05100751807913184},{"text":"So I'm looking at the I'm looking at so I've gone past a bit I've gone past the certificate of currency.","start":3096.59,"end":3106.05,"sentiment":"neutral","sentiment_score":-0.06668919661924952},{"text":"I've gone past the yes.","start":3106.91,"end":3111.17,"sentiment":"neutral","sentiment_score":-0.05474823564291}],"sentiment":"neutral","sentiment_score":-0.08878004671457936,"num_words":51,"start":3083.265,"end":3111.17},{"sentences":[{"text":"So Yep.","start":3112.155,"end":3117.135,"sentiment":"neutral","sentiment_score":0.03897278942167759},{"text":"Yes.","start":3128.97,"end":3129.47,"sentiment":"neutral","sentiment_score":0.05932173132896423},{"text":"Yep.","start":3151.96,"end":3152.46,"sentiment":"neutral","sentiment_score":0.04517876356840134},{"text":"Yep.","start":3198.325,"end":3198.63,"sentiment":"neutral","sentiment_score":0.20759502053260803},{"text":"Mhmm.","start":3264.79,"end":3265.155,"sentiment":"neutral","sentiment_score":-0.0629967674612999}],"sentiment":"neutral","sentiment_score":0.054507387802004814,"num_words":6,"start":3112.155,"end":3265.155},{"sentences":[{"text":"Yep.","start":3267.795,"end":3268.195,"sentiment":"neutral","sentiment_score":0.21911880373954773},{"text":"Sounds good.","start":3268.195,"end":3268.935,"sentiment":"positive","sentiment_score":0.4117741584777832},{"text":"Yeah.","start":3305.0798,"end":3305.5798,"sentiment":"neutral","sentiment_score":0.03903236985206604},{"text":"I'll have a look at the details on the email.","start":3341.19,"end":3344.355,"sentiment":"neutral","sentiment_score":0.11278853192925453},{"text":"And if I decide to move over there, I'll let you know in the email as well.","start":3344.895,"end":3348.355,"sentiment":"neutral","sentiment_score":0.13944211602210999}],"sentiment":"neutral","sentiment_score":0.14774518652308372,"num_words":31,"start":3267.795,"end":3348.355},{"sentences":[{"text":"Mhmm.","start":3366.75,"end":3367.005,"sentiment":"neutral","sentiment_score":0.0783362090587616},{"text":"Alright.","start":3374.605,"end":3375.085,"sentiment":"positive","sentiment_score":0.33752498030662537},{"text":"Sounds good.","start":3375.085,"end":3375.825,"sentiment":"positive","sentiment_score":0.5404715836048126},{"text":"If I were to decide to move away either from hub twenty four or from the current setup and and basically try and log in and manage this on my own.","start":3376.045,"end":3393.8901,"sentiment":"neutral","sentiment_score":-0.08156364675491087},{"text":"What does that look like?","start":3393.8901,"end":3395.055,"sentiment":"neutral","sentiment_score":-0.05084115713834762}],"sentiment":"neutral","sentiment_score":-0.032146861962974074,"num_words":40,"start":3366.75,"end":3395.055},{"sentences":[{"text":"Yep.","start":3403.295,"end":3403.795,"sentiment":"neutral","sentiment_score":0.1310865879058838},{"text":"And, also, I appreciate if you could please find out what the amount for income protection should be based on my current income that you should be covering all.","start":3406.415,"end":3417.17,"sentiment":"neutral","sentiment_score":0.19019807656777316},{"text":"Alright.","start":3425.5652,"end":3425.8052,"sentiment":"positive","sentiment_score":0.5305982828140259},{"text":"Sounds good.","start":3425.8052,"end":3426.705,"sentiment":"positive","sentiment_score":0.7047848999500275},{"text":"No worries.","start":3430.125,"end":3430.685,"sentiment":"positive","sentiment_score":0.431538388133049}],"sentiment":"neutral","sentiment_score":0.24143073335289955,"num_words":35,"start":3403.295,"end":3430.685},{"sentences":[{"text":"Thank you very much.","start":3430.685,"end":3431.665,"sentiment":"positive","sentiment_score":0.750260129570961},{"text":"Alright.","start":3433.725,"end":3434.125,"sentiment":"positive","sentiment_score":0.3397108018398285},{"text":"Sounds good.","start":3434.125,"end":3434.685,"sentiment":"positive","sentiment_score":0.5635401010513306},{"text":"Thank you.","start":3434.685,"end":3435.425,"sentiment":"positive","sentiment_score":0.5176956653594971},{"text":"Bye.","start":3436.925,"end":3437.421,"sentiment":"neutral","sentiment_score":0.1924738585948944}],"sentiment":"positive","sentiment_score":0.5695696711540222,"num_words":10,"start":3430.685,"end":3437.421}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello. Is this Rahul?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Jenna from Oakview Financial. How are you today?\n\nChannel 1: Good. Thanks, Sonia.\n\nChannel 0: I'm well. Thank you. Before I go any further, I just want to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. And may I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Rachael Dan, 08/18/1981. It's Life Certificate Shearwater Drive, Mosa Lakes.\n\nChannel 0: Wonderful. Thank you for confirming that. I appreciate that. The purpose of my call today is to run through your annual review that we have booked in. Do you still have time to complete that now?\n\nChannel 1: Yes, please.\n\nChannel 0: Okay. Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion.\n\nChannel 1: Not that I'm aware of or I can't say anything changed. I mean, of course, I've changed my jobs, but financially,\n\nChannel 0: Sorry.\n\nChannel 1: my situation hasn't changed. Sorry. Can you please speak a little louder? I can barely hear you.\n\nChannel 0: Sorry. I do have that often, that feedback. So let me see if I can just turn the volume up. Is that a bit better?\n\nChannel 1: Probably show me a shade better.\n\nChannel 0: Only let's see. Is that better?\n\nChannel 1: Yes. Much better.\n\nChannel 0: Okay. Alright. What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update. Is that okay?\n\nChannel 1: Yep. All good.\n\nChannel 0: Okay. We have your marital status as single. Is that correct?\n\nChannel 1: That's right. Yes.\n\nChannel 0: Yes. Okay. And we have your brother, Mehul. Is that how I say it? I'm sorry for any mispronunciation.\n\nChannel 1: That's alright, Mehul?\n\nChannel 0: Yeah. As your next of kin with his phone number ending in 312. Is that correct?\n\nChannel 1: Let me check. Save this number. Yep. That's the one.\n\nChannel 0: Thank you. So, previously, we had your occupation down as an IT consultant. Is that still correct?\n\nChannel 1: Yes.\n\nChannel 0: And you were previously employed by Talent International that contracted you to Services Australia. Is that correct, or has that changed?\n\nChannel 1: That's right. That's changed.\n\nChannel 0: Okay. Who's your employer now?\n\nChannel 1: Healthcare Australia.\n\nChannel 0: Alright. Thank you for that. And are you employed full time?\n\nChannel 1: Yeah. Full time.\n\nChannel 0: Yes. And your income, we had it at 257,250. I\n\nChannel 1: Yeah. That's dropped down because it's a it's a permanent role. Earlier, I was doing contracting. Now it's a permanent role.\n\nChannel 0: okay.\n\nChannel 1: So that dropped down to 180,000\n\nChannel 0: One\n\nChannel 1: per annum, including super.\n\nChannel 0: 80. Including super.\n\nChannel 1: Yes.\n\nChannel 0: Okay. I would make a note of that. Do you have any additional EBA arrangements with your employer where you get additional superannuation or any financial restrictions on your your income?\n\nChannel 1: No. Just the standard\n\nChannel 0: No?\n\nChannel 1: super.\n\nChannel 0: Okay. Previously, we had here that you weren't sure of what your expenditure was per week for your living expenses or what your savings were per week. Do you have any idea of what those may be now?\n\nChannel 1: Look. I'm sure the the income is a bit lower than what it was before.\n\nChannel 0: Yes.\n\nChannel 1: But in terms of my expenses, I haven't seen like, I'm I'm able to make all the mortgage payments including all the top up that I have to do for investment property mortgages.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I haven't haven't been struggling at all. I mean, I'm still saving healthy amount of money every year.\n\nChannel 0: Okay.\n\nChannel 1: So yeah.\n\nChannel 0: How much how much do you estimate you save per week or per fortnight, whatever your frequency would be?\n\nChannel 1: I don't know if it's per week or fortnight. I have not kept a track of that. But, I mean, I do get when I bought a tax return, I do get a a return, and and I will take take that as my saving as well.\n\nChannel 0: Okay.\n\nChannel 1: Plus whatever I save during like, with each sort of pay cycle, that just goes into the savings account and stays there. So,\n\nChannel 0: Okay.\n\nChannel 1: yeah, I've never kept a formal track of that, but it's just that my savings have not gone down. They\n\nChannel 0: Okay.\n\nChannel 1: would they would be increasing\n\nChannel 0: And if\n\nChannel 1: gradually.\n\nChannel 0: okay. So that that is that your offset account?\n\nChannel 1: That's right.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: What is the balance of your Ofsec account? We had it at 250,000.\n\nChannel 1: Sorry?\n\nChannel 0: We had it previously at 250,000. Is that still correct?\n\nChannel 1: Yeah. That's right. I'm Probably grown by another 30 k, I reckon.\n\nChannel 0: Another 30?\n\nChannel 1: Yep.\n\nChannel 0: So $2.80?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. I have two cars here listed at that being valued at 35,000. Would that be correct?\n\nChannel 1: Combined. Yeah. I think that's correct.\n\nChannel 0: Okay. And I've got three investment properties here. One at Oceana Drive, one at Alexandria Circuit, and one in South Morang. Are they still current?\n\nChannel 1: Yes. That's\n\nChannel 0: Okay. Any more investment properties or the\n\nChannel 1: fine. And I just have\n\nChannel 0: three?\n\nChannel 1: seen this in property.\n\nChannel 0: Okay. I have I just I'll run through quickly what we've got them listed as being\n\nChannel 1: Mhmm.\n\nChannel 0: valued at and the debt against them to make sure it's correct. So Oceania Drive, we have valued at 1,200,000 with a debt of 745,000.\n\nChannel 1: Yep.\n\nChannel 0: We've got eight Alexandria Circuit valued at 550,000 with a debt of 386,000,\n\nChannel 1: Yeah.\n\nChannel 0: and South Morang at 1,100,000 with a debt of $5,549,000. Are they all still correct?\n\nChannel 1: Yeah. That's incorrect.\n\nChannel 0: Yep. Okay. And we've got your home here at Shearwater Drive valued at 800,000 with a debt attached of 267,000. Is that still correct?\n\nChannel 1: I think that that's around 300,000.\n\nChannel 0: 300?\n\nChannel 1: Mhmm.\n\nChannel 0: Okay. Do you know how much rent you get from each property?\n\nChannel 1: Yeah. So I get about, I think, 500 from $1.06\n\nChannel 0: Which one\n\nChannel 1: 9\n\nChannel 0: would\n\nChannel 1: 6. That'd be the\n\nChannel 0: that\n\nChannel 1: that'd be the Alexander\n\nChannel 0: so Alexandra Circuit\n\nChannel 1: Circuit.\n\nChannel 0: was $6.90, did you say, or 5\n\nChannel 1: Alexander Circuit is 500\n\nChannel 0: hundred?\n\nChannel 1: per week.\n\nChannel 0: 500. Yes.\n\nChannel 1: And then Oceana Drive is $6.90 per week.\n\nChannel 0: Okay.\n\nChannel 1: And\n\nChannel 0: Thank\n\nChannel 1: for Golden Road is, I think, $6.45 per week.\n\nChannel 0: thank you for that. That helps. So just keep the information up to date for you. I just move on to quickly the health life health and lifestyle questions.\n\nChannel 1: Yep.\n\nChannel 0: I have you down as a nonsmoker. Is that still correct?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Do you have any private health insurance?\n\nChannel 1: Yep. I have.\n\nChannel 0: Beautiful. Do you have any significant injuries or illnesses and or take any medication?\n\nChannel 1: No.\n\nChannel 0: No. And do you have a will or power of attorney?\n\nChannel 1: I don't have a will, but I definitely want to create one. So\n\nChannel 0: Okay.\n\nChannel 1: is there could\n\nChannel 0: Yep.\n\nChannel 1: you please send me either a will kit, the information, or or what's the what's the best step to\n\nChannel 0: Yeah. So\n\nChannel 1: get that done?\n\nChannel 0: what what I can do with that is definitely assist in getting you in contact with a lawyer who can get those established.\n\nChannel 1: Yeah.\n\nChannel 0: Now I note that you have one dependent. Is that a child?\n\nChannel 1: Yes. That's right. Yes.\n\nChannel 0: Yeah. What's their name?\n\nChannel 1: Riam,\n\nChannel 0: How do I spell that?\n\nChannel 1: r I, a a, m.\n\nChannel 0: Okay. And how old?\n\nChannel 1: He's eight years old.\n\nChannel 0: Yes. So a minor. Okay. What we can do is I'm gonna send you a brochure for a professional partner that we do work with.\n\nChannel 1: Yeah.\n\nChannel 0: Cost wise, there it's a very reasonable cost compared to some of the costs that I've seen out there. They will\n\nChannel 1: Mhmm.\n\nChannel 0: give you advice on creating your will. The best way to have things structured for your daughter should that sorry. I'm assuming that will be your beneficiary.\n\nChannel 1: Yeah. My son. Yeah.\n\nChannel 0: Your son. Sorry, son. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: And make sure it's all structured in a way that it's protected for him.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: right.\n\nChannel 0: will I'll send you that brochure for you to have a read of. You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you. They can do that virtually and over the\n\nChannel 1: Yeah. Okay. So just to show I'm looking at the process, once the real is created, like,\n\nChannel 0: phone.\n\nChannel 1: does it have to get registered somewhere? So centrally, like, my superannuation, all the banks and everyone knows that this is my role so that it can be executed in a certain way? Or how do people know that this is what I have included?\n\nChannel 0: Yeah. Okay. So what happens is is you'll create\n\nChannel 1: Mhmm.\n\nChannel 0: a will. It doesn't necessarily get registered anywhere, but during the process, you'll nominate someone called an\n\nChannel 1: Mhmm.\n\nChannel 0: executor. So that person is responsible for administering your will, so making sure that your wishes are carried out. Typically, it would be someone that you trust, you know, will do the right thing, and you would always let them know where a copy of your will is. Your solicitor, the people that write it, will also hold a copy for you, and\n\nChannel 1: Mhmm.\n\nChannel 0: you can always just say to your executor, reach out to x y zed if anything happens to me. So it's not registered. You should always make sure that somebody is aware of where you keep it,\n\nChannel 1: Yep.\n\nChannel 0: and that also the solicitors can keep it on file for\n\nChannel 1: Okay.\n\nChannel 0: you.\n\nChannel 1: So that could\n\nChannel 0: Okay.\n\nChannel 1: be a next of kin or is there a sort of\n\nChannel 0: It's whoever you choose. So the executor is just responsible for making sure that the assets are distributed as per your will. So it could be your brother, for example, that you've got nominated as your next of kin. It could be a friend. It could even be a solicitor if you want it to be.\n\nIt it'll be set up, and the the lawyers will talk you through what options you have in relation to that to make sure\n\nChannel 1: Yeah.\n\nChannel 0: that it it's set up the way that you feel comfortable.\n\nChannel 1: Alright. So if it's a solicitor, then I'm assuming it's not the individual person, but it's the the firm that I can sort of choose. Right?\n\nChannel 0: Yeah. Yeah. You can you can work with anybody you like. I'm just gonna\n\nChannel 1: Mhmm.\n\nChannel 0: send you a brochure of somebody that we work with that we do know provides great services at a great cost. If you decide to go somewhere else, that is absolutely fine. It's just an\n\nChannel 1: No.\n\nChannel 0: information\n\nChannel 1: No. What I\n\nChannel 0: brochure\n\nChannel 1: mean to say,\n\nChannel 0: for\n\nChannel 1: like, is it the firm that I'm working with that will be responsible for making sure that the bill is executed correctly, or it'll be the person?\n\nChannel 0: you. Your choice. You can nominate the solicitors to be your executor.\n\nChannel 1: Uh-huh.\n\nChannel 0: It will come at a cost, or\n\nChannel 1: Yeah.\n\nChannel 0: you can nominate an individual within your circle to be the executor of your estate.\n\nChannel 1: So just a hypothetical, if I were to if I want my entire estate to go to discretionary fund,\n\nChannel 0: Mhmm.\n\nChannel 1: my customer to discretionary fund, which holds it in I don't know how it works, but I'm assuming\n\nChannel 0: Yes.\n\nChannel 1: and hold the entire estate and plus any any expenses that needs to be take care of\n\nChannel 0: Yes. Yes. Yes.\n\nChannel 1: until a certain age that I described. Until my son reaches a certain age, and then he becomes responsible for managing it.\n\nChannel 0: Yes. Yes. Yes. Yes.\n\nChannel 1: I do\n\nChannel 0: You\n\nChannel 1: have\n\nChannel 0: can\n\nChannel 1: a concern\n\nChannel 0: definitely do\n\nChannel 1: about due to his diagnosis and stuff, I do have a concern. And is it\n\nChannel 0: that.\n\nChannel 1: possible that I keep the discretionary component of it so that he is sort of protected and can't be taken advantage of even\n\nChannel 0: 100%.\n\nChannel 1: after becoming an adult, as in, like, after eighteen years.\n\nChannel 0: 100%. So, yes, that's correct. So what the solicitors will talk they will give you advice specifically\n\nChannel 1: Yep.\n\nChannel 0: in relation to this.\n\nChannel 1: Yep.\n\nChannel 0: What you're referring to is called a testamentary trust, and it's where it can you can nominate trustees. So they could be people, again, or a solicitor\n\nChannel 1: Yep.\n\nChannel 0: who will be responsible for making sure that that is protected and he is not taken advantage of. So,\n\nChannel 1: Okay.\n\nChannel 0: definitely, if that's something that's high on your radar at the moment, I will get that sent through to you because that's a common a common structure with minor children.\n\nChannel 1: Yep.\n\nChannel 0: But, again, you you mentioned you don't want him to be taken advantage of financially, so it's probably even more suitable that you discuss that with\n\nChannel 1: Yeah.\n\nChannel 0: the solicitor\n\nChannel 1: I think because\n\nChannel 0: as\n\nChannel 1: of his\n\nChannel 0: well.\n\nChannel 1: diagnosis, he'll always need that sort of a bit of a supervision even after he's turned 18 and come in adult.\n\nChannel 0: Yes. Of course.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. I will get that sent across to you so you can make those have a rate of it and reach out and make those put get those arrangements in place because they are really important given that you've got a minor son that\n\nChannel 1: Yeah.\n\nChannel 0: your estate would pass to.\n\nChannel 1: Yep.\n\nChannel 0: And if those if those documents aren't in place, for example, the funds may end up being managed by somebody that you don't wish them to be managed by.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep. And also, in terms of the superannuation beneficiary, my son's a minor. So if I name him as the beneficiary, like, how does that\n\nChannel 0: Yes.\n\nChannel 1: work?\n\nChannel 0: Yes.\n\nChannel 1: Can I name him first? Because he's still a minor. And if I\n\nChannel 0: Of\n\nChannel 1: do,\n\nChannel 0: course.\n\nChannel 1: does that still pass on to the the discretionary testamentary fund or the trust?\n\nChannel 0: Okay. Yes. So what we what we would do first and foremost is you have no beneficiary nomination on your super fund. So we're gonna look at not making a nomination. You\n\nChannel 1: Or\n\nChannel 0: can do that to your son in the meantime. What that means is we can request that if something happened to you, we could request that it be paid as a child pension. So it'd be just a regular income stream. But once you have your will and power of attorney established, depending on how the solicitors have set it up, they may say change your beneficiary in your in your super fund to your estate so it can be distributed to the trust to your son. So for the time being, I'd probably recommend you well, not recommend, but your options are limited at this point in nominating your son as your beneficiary on your super until your will is in place.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Okay. Does that make sense? Once your will is in place, we can update it to your estate if that's what the solicitor says to make sure that they're not all distributed through the trust if that's what the advice is.\n\nChannel 1: Yep. Sounds good. And usually, how long does it take to get the bill and everything established?\n\nChannel 0: It doesn't take long. It would the the process would be solely dependent on the sharing of information. So if they needed certain information, how quickly you got it back to them, they'd be able to give you their time frames. But, typically, they're not a significant time consuming\n\nChannel 1: Yep.\n\nChannel 0: process.\n\nChannel 1: Yep.\n\nChannel 0: It it could I I suspect it would be done in a pretty quick turnaround.\n\nChannel 1: Okay. So just one more thing that I'm struggling with at the moment. So say\n\nChannel 0: Of course.\n\nChannel 1: one of the policy solicitors that I go with or the the one that you suggested, I end up setting up my will with them. And it's sitting with them, say for example, or I share it with someone, I don't know. It say it's sitting with them. If I was something were to happen to me, how would people know that they are supposed to be informed about what's happened to me?\n\nChannel 0: Mhmm. Typically, what will happen is upon somebody passing\n\nChannel 1: Yeah.\n\nChannel 0: away for I could just give an example, basically. Your brother may be going through your paperwork and see a reference to us or your superannuation.\n\nChannel 1: Uh-huh.\n\nChannel 0: Contact us. They'll contact a solicitor. Usually, what people do do is you get your will, your power of attorney, a list of assets or documents that are important and have them together in the one place. You can\n\nChannel 1: Yep.\n\nChannel 0: you can you can share a electronic copy of your will with your executor if you're concerned about and say, you know, it's with the solicitors. Here's their details.\n\nChannel 1: Yep.\n\nChannel 0: There's many ways, but upon this, your executor will be responsible to reach out and make sure that everything is distributed and actioned. So, typically, we'd get a copy of the will.\n\nChannel 1: Uh-huh.\n\nChannel 0: And a death certificate would then submit that to the superannuation funds and insurance companies. If relevant, arrange for those to get paid out to the estate or to the beneficiary, and we would work with your executor to make that\n\nChannel 1: Okay.\n\nChannel 0: happen. Yeah. So there's many different ways. And and, again, a lawyer would be able to give you probably some more, what, case\n\nChannel 1: Detail.\n\nChannel 0: study examples of\n\nChannel 1: Yep.\n\nChannel 0: what they say and details. So they might, for example, say we've had clients do this option and this option.\n\nChannel 1: Yep.\n\nChannel 0: So they'll be able to provide you a lot more guidance on what what how to share it and where to save it and those types\n\nChannel 1: Yeah.\n\nChannel 0: of details.\n\nChannel 1: Yep. Alright. Sounds good.\n\nChannel 0: Okay. Any other questions about estate planning? I'll just make make sure that that goes off to you straight away after our meeting.\n\nChannel 1: Yep. I think that that was one of the things that I had on my mind that I'm going to sort out quickly.\n\nChannel 0: Okay. Lovely. So I've got a few goals and objectives here that from your last review, and I just wanna run through them with you to see if they're still relevant or if they've changed slightly to make sure that we're we've got them all up to date.\n\nChannel 1: Yep.\n\nChannel 0: Is that okay?\n\nChannel 1: Sure. I've got a 01:30 meeting, which so my time at\n\nChannel 0: Alright.\n\nChannel 1: the moment is 12:15. I still have\n\nChannel 0: Yep.\n\nChannel 1: a there\n\nChannel 0: Okay.\n\nChannel 1: is a time, but yeah.\n\nChannel 0: Sounds alright. What I might do is just for your superannuation, you said that your super is an added bonus for you in retirement. That's how you see it, that you wanna grow focus on gross within your super while you still have time.\n\nChannel 1: Mhmm.\n\nChannel 0: Given that accessing\n\nChannel 1: Yeah. And I do wanna grow it\n\nChannel 0: Yes?\n\nChannel 1: quickly, and I want to stay in that high performing sort of zone\n\nChannel 0: Yes.\n\nChannel 1: for\n\nChannel 0: So\n\nChannel 1: at least\n\nChannel 0: the\n\nChannel 1: another\n\nChannel 0: high\n\nChannel 1: ten years at least.\n\nChannel 0: yep. So that's your\n\nChannel 1: Yep.\n\nChannel 0: current risk profile now, high growth. So you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable\n\nChannel 1: That's right.\n\nChannel 0: with maintaining that?\n\nChannel 1: Yes. So I'm I think I'm 44 or 45. So when when is the earliest I would be able to access Supra?\n\nChannel 0: No. '60. Based on today's legislation, it's '60. Yes.\n\nChannel 1: '60? Okay. So fifteen years. Yeah. That makes\n\nChannel 0: Yes.\n\nChannel 1: sense.\n\nChannel 0: Yes. Okay. So you're you're comfortable to still invest in that type of risk profile?\n\nChannel 1: Yes. That's right.\n\nChannel 0: Yeah. Okay. You and you understand it well with the time frame, the exposure to growth assets, the level of risk taken in that your portfolio. You under do you understand that, or would you like me\n\nChannel 1: I\n\nChannel 0: to run\n\nChannel 1: understand.\n\nChannel 0: through that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep. I\n\nChannel 0: Okay.\n\nChannel 1: understand.\n\nChannel 0: Beautiful.\n\nChannel 1: Also, I was looking at options to potentially move towards or considering if if I could I could look at managing it on my own. Is that something that is an option?\n\nChannel 0: That is entirely a a consideration for yourself. How would you look at managing it yourself? What would be your your approach? Is do you mean as in a self managed super fund or just taking care picking and choosing your own investment?\n\nChannel 1: I mean, with the property option gone from self managed super fund, what are\n\nChannel 0: Mhmm.\n\nChannel 1: the other options apart from apart from the experience stuff that I could go with?\n\nChannel 0: Yeah. Okay. So you'd be looking at at managing, like, choosing the investment options as yourself. Is that correct?\n\nChannel 1: Yeah. So is that is\n\nChannel 0: Yep.\n\nChannel 1: that the only option left at the moment? I mean, my preference was to possibly use superannuation to get another investment property.\n\nChannel 0: Mhmm.\n\nChannel 1: But with that goal being closed recently, what are the other options?\n\nChannel 0: Are you tied to investment property, or would be open to commercial property?\n\nChannel 1: Yeah. Open to commercial company, if it yeah. If if it makes sense. Or\n\nChannel 0: Yeah. Okay. So with the superannuation environment, the self managed super fund commercial property is still okay.\n\nChannel 1: yeah.\n\nChannel 0: What I would probably flag with you is that you're looking at your overall wealth, you're very heavily weighted overweighted in property.\n\nChannel 1: Mhmm.\n\nChannel 0: So that means diversification wise, should the property market plummet at any point during or approaching your retirement,\n\nChannel 1: Mhmm.\n\nChannel 0: your retirement's gonna be significantly impacted. So I do have concerns in relation to the lack of diversification if you were to use your if you were\n\nChannel 1: Mhmm.\n\nChannel 0: to use your superannuation as well to go down a property path.\n\nChannel 1: Yep.\n\nChannel 0: Your superannuation at the moment is offering you a bit of diversification because you've got access to some shares, both Australian and international and some fixed interest, which aren't tied to the property market.\n\nChannel 1: Mhmm.\n\nChannel 0: So by investing further into more property, my my professional concern would be putting it simply. You're gonna have all your eggs in one basket.\n\nChannel 1: Mhmm.\n\nChannel 0: That's not to say that should you decide that that's best for you, that you shouldn't that you can't do it.\n\nChannel 1: Yeah.\n\nChannel 0: That's that's my take on the situation. So yeah. And that would be probably a decision that you would probably need to we can provide you with the information of what options are available to you. But I would say at the moment, what you have currently set up is better to help you diversify across the different\n\nChannel 1: Okay.\n\nChannel 0: sectors.\n\nChannel 1: And\n\nChannel 0: Does that make sense?\n\nChannel 1: stay inside. Yeah. I mean, it does. And\n\nChannel 0: Yes.\n\nChannel 1: if I were to even consider, say, another property, investment property, be it commercial,\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: what what kind of amount I should have in my super for it to make sense?\n\nChannel 0: That, I would need to go and do some more research on for you so\n\nChannel 1: Mhmm.\n\nChannel 0: I can have a look at that. Okay. Fantastic. That's one question I can come back to you with. I can't answer that right now, but I can definitely come back to you with that.\n\nChannel 1: Okay.\n\nChannel 0: What I will do is just quickly let you know that in your emails, you'll have an email from me that's called OdooSign. It's got your review pack in it. I we're definitely gonna run out of time to complete your review.\n\nChannel 1: Yep.\n\nChannel 0: It covers your performance in the funds in your super fund. And probably one of the things I do wanna highlight is the Benelon Australian Equities Fund within your portfolio, and I would like to look at reviewing and possibly rep and replacing. So with your approval, I'd like to look at that for you.\n\nChannel 1: Yep. So\n\nChannel 0: That's the first one, the Benelong Australian Equities Fund. On the\n\nChannel 1: alright.\n\nChannel 0: second\n\nChannel 1: Let me just\n\nChannel 0: page?\n\nChannel 1: quickly open. Which email\n\nChannel 0: No.\n\nChannel 1: are you referring to? Sorry.\n\nChannel 0: I just sent you an email. It would come from.\n\nChannel 1: So it came from GeniU. Right?\n\nChannel 0: Yes. Yep. But it\n\nChannel 1: Says\n\nChannel 0: may\n\nChannel 1: you\n\nChannel 0: say\n\nChannel 1: have until\n\nChannel 0: o\n\nChannel 1: but this is for Cigna signing a document. Right?\n\nChannel 0: Yes. Correct. So if you open that up and click sign, it's gonna bring up a some documents. You're not signing anything now, so don't don't worry about that.\n\nChannel 1: Yeah.\n\nChannel 0: It's just gonna bring up the documents that I will quickly walk through with you.\n\nChannel 1: Mhmm.\n\nChannel 0: The first one is a summary of your super and insurance showing you\n\nChannel 1: Yep.\n\nChannel 0: what you have covered.\n\nChannel 1: Okay.\n\nChannel 0: The sec the second document is your perform a twelve month performance report with Hub. You'll note that the first one along the top, the Australian then along Australian Equities Fund has had a negative return.\n\nChannel 1: Alright.\n\nChannel 0: That's\n\nChannel 1: Just\n\nChannel 0: the one.\n\nChannel 1: going through the document now.\n\nChannel 0: Yes.\n\nChannel 1: So first is it's at the moment sitting at 218,000. Then\n\nChannel 0: Correct.\n\nChannel 1: the next is approximate benefit of life and TPD. And then income protection is 9.5.\n\nChannel 0: Yes.\n\nChannel 1: Do you think I need income protection?\n\nChannel 0: Yes. What I would do, though, is I'm going to have a look at your income protection sum insured. If your\n\nChannel 1: Yep.\n\nChannel 0: income has reduced, it may be that we reduce your income protection to make because there's no point you paying for a benefit\n\nChannel 1: Yeah.\n\nChannel 0: that you won't be paid for if you're on claim. So that that for me, when you mentioned that your income has reduced, that flagged for me that I would go and have a look at that.\n\nChannel 1: Okay.\n\nChannel 0: So that's one of the things I'll definitely look at for you.\n\nChannel 1: Alright. And do I do you reckon I should have income protection, like, as a, like, even reduced amount? But do you think I should have income protection at all? I mean, I work in IT. There's no sort of\n\nChannel 0: Absolutely. Absolutely would be my answer to that question because income protection covers you twenty four hours a day, seven days a week. So if you were injured outside of work, you're still covered. So how income protection works is that it will cover you for any injury or illness for your benefit period, which is five years, should you be able to not work.\n\nChannel 1: Okay.\n\nChannel 0: So due to that injury or illness. So if\n\nChannel 1: Yeah.\n\nChannel 0: that and why I say absolutely is is you have mortgages and expenses to meet.\n\nChannel 1: Yep.\n\nChannel 0: If you're unable to work, it it may be that you would have to sell investment properties, and that would probably work against the wealth plan that you're you're building.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Yep. So in short,\n\nChannel 1: And that\n\nChannel 0: definitely.\n\nChannel 1: is in addition to the life and I mean, life, of course, if I'm dead, then, of course, it doesn't come into\n\nChannel 0: Yes.\n\nChannel 1: play. But TPD\n\nChannel 0: Yes.\n\nChannel 1: so if it's, say, I'm I'm completely bedridden. I can't do anything. So that\n\nChannel 0: That's\n\nChannel 1: TPD comes into the play, but then income\n\nChannel 0: yes.\n\nChannel 1: protection will be on top of it. Right?\n\nChannel 0: Correct.\n\nChannel 1: Okay. Yep. Makes sense.\n\nChannel 0: Yes. Yep. Absolutely correct. Got it nailed. Perfect.\n\nAny other questions with\n\nChannel 1: No. It's just the amount. Do you reckon that amount that we are covering at the moment should still be that amount? Or\n\nChannel 0: that?\n\nChannel 1: I think\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: think\n\nChannel 1: might be\n\nChannel 0: that\n\nChannel 1: the amount of my total salary that I'm getting at\n\nChannel 0: okay.\n\nChannel 1: the moment.\n\nChannel 0: Yeah. So I'll look at your income protection based on your income now. The\n\nChannel 1: Yep.\n\nChannel 0: way that the life and TPD sum insured is recommended or calculated is based on some questions that we ask the clients. So in the event of this, what do you want all of your debt paid at, including the investment properties? Do you want the investment properties to be sold and the the proceeds put aside for your son? Would you like them to be maintained and kept debt free? So that's the first level of questioning.\n\nAnd then the second is is did you want to leave questioning. And then\n\nChannel 1: Mhmm.\n\nChannel 0: the second is is did you want to leave funds available for your beneficiary? So it might be did you wanna leave funds aside for university or education, or do you believe that the estate itself would meet those expenses?\n\nChannel 1: Yeah. It's a time. Do the entire right off the entire debt, it will be significant amount of increase\n\nChannel 0: Yes.\n\nChannel 1: to that number. Because I think my total debt would be sitting somewhere around 2,000,000. So\n\nChannel 0: It is. Yes.\n\nChannel 1: yeah. So $450,000 is not gonna cover it,\n\nChannel 0: Correct.\n\nChannel 1: which does mean that if it if it comes to that, that one property needs to be sold because that definitely can cover the debt I have on my house.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: That's correct.\n\nChannel 1: if it means that one of the property needs to be sold to cover\n\nChannel 0: Repay\n\nChannel 1: off the\n\nChannel 0: the\n\nChannel 1: debt\n\nChannel 0: debt.\n\nChannel 1: in such\n\nChannel 0: Yep.\n\nChannel 1: a manner that the properties are sort of self sustaining,\n\nChannel 0: Yes.\n\nChannel 1: as in, like, based on the income they generate, they sort of can sustain on that, then that would be the outcome I'm I'm looking for.\n\nChannel 0: Yes. Yep. I think at the I think probably until you it's a it's great cover to have in place for the time being. I think once you have you have some more clarity on what your estate planning looks like\n\nChannel 1: Yep.\n\nChannel 0: and what you talk through with the solicitor in relation to tax on benefits that may be payable to your beneficiary, your son, if\n\nChannel 1: Yeah.\n\nChannel 0: any, then we could probably have a more detailed conversation in what we need to do in relation to your insurances and work with the solicitor to make sure that they're in place.\n\nChannel 1: Yep. Yeah. Sounds good.\n\nChannel 0: Okay. The next document across is a performance report. Now you'll note that in this this pack, you've got a twelve month and a six month report. The very first investment option been along Australian Equities has had a negative return in the last twelve months. What we're doing with our clients at the moment is looking at suitable alternatives.\n\nThe reason that that Bennelong has performed poorly is because their investment mandate states that they look at the Australian share market and companies that are undervalued and look for\n\nChannel 1: Mhmm.\n\nChannel 0: growth opportunities. Unfortunately, for them, the market did react in a different manner the last twelve months and favored banks and resources.\n\nChannel 1: Yep.\n\nChannel 0: So we're looking at replacing that at the moment. So with your confirmation, I'd like to take the opportunity to review your portfolio, if that's okay.\n\nChannel 1: Yeah. Definitely. So if we take out from that, where else are we thinking of?\n\nChannel 0: At the moment, we're quite comfortable with the remainder of your policy. I will still be performing a full overview. It's more been along at the moment that we're looking at replacing. You have real you have a great exposure being your iShares S and P 500. That's your international portfolio.\n\nAnd your other core portfolio being the Benelong Australian Equities Fund, so your Australian share portfolio, which will be which will likely be replaced with an alternative. But outside of those, you've got a few different satellite funds that are in more niche, let's call it, sectors or so you've got your global cyber, robotics, and AI. You've got your global battery tech and lithium, which have all had great returns recently\n\nChannel 1: Yep.\n\nChannel 0: given the cost of the fuel crisis and, you know, global security with all the AI, and you would be well across that in your profession. And then you've also got the Asia and Europe exposure, giving you exposure to different economies. So at the moment, there's nothing there that raises any red flags for us except probably the Benelon, which is not necessarily a red flag. It's a sys it's an ongoing systemic return that we're looking at rectifying. So it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so.\n\nChannel 1: So just so I read it correctly, the Bennelong one says the income made in the period is $14.46. Is it?\n\nChannel 0: Yeah. So that's the income, so the dividends of the shares.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The gross is that negative figure of 14,000. So that's the gross. It it was a negative gross figure. It lost value.\n\nChannel 1: Right. Okay. So initially, you we started off with 65,000 on it, and we ended up\n\nChannel 0: Because of the income during the period,\n\nChannel 1: yep.\n\nChannel 0: but the buys and sells. So the total earnings altogether was 13. So if you look over past the negative $14,000 figure, if you look\n\nChannel 1: Alright.\n\nChannel 0: over, your total earnings there, the 13,000 figure, that's net of fees, taxes, etcetera. So all the costs that are involved in the superannuation fund. So that negative 18.42% is net\n\nChannel 1: Right.\n\nChannel 0: of fees. So what that what that means is that overall, your portfolio in the last twelve months did return a negative of 1.13, which in a high growth portfolio, we do expect to see in roughly one in every five years a negative return.\n\nChannel 1: So the total growth itself was negative, is it?\n\nChannel 0: Not overall. No. Not overall. Just for the.\n\nChannel 1: Okay. So what is the overall number that we have sort of gone from and gone to?\n\nChannel 0: The overall total earnings. So the overall growth so if we look at if you go down to page two of that, can you see\n\nChannel 1: Yeah.\n\nChannel 0: the total portfolio? So if you look at the one that says income in period, it says $6,680.11.\n\nChannel 1: Yeah.\n\nChannel 0: And then the next two across, it says gross in period, negative $4,659.43.\n\nChannel 1: Yep.\n\nChannel 0: The difference in earnings is $2,020. So the\n\nChannel 1: Yep.\n\nChannel 0: total earnings were a positive, but then when you take away the fees being charged, so the investment management fees,\n\nChannel 1: Yeah.\n\nChannel 0: the admin fees, and our adviser fee, it becomes a negative return.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yep. The next document, though, is designed to give you a little bit more relief. It's a six month performance period. So with Hub, so for the last six months, not the twelve, you'll see that the Bennelong is bouncing back the funds itself. We're still looking to replace.\n\nWe're not confident maintaining the balance on Australian equity fund long term presently. So our Amanda, our philosophy is we're still looking to replace. But you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%.\n\nChannel 1: Okay.\n\nChannel 0: So you're never gonna see that column all positive. It is very, very unlikely you're ever gonna see that column as being all positive returns. The reason being is the markets, the different economies, and the different sectors, they all react differently with each other, which is why we diversify across different economies, different companies and businesses and share markets. Because when one does react in a we'll just call it a negative question that's my concern I raised before in relation to in relation to property is that you're heavily skewed for property in your personal assets that it leaves little room for diversification. So your share port your superannuation portfolio does provide a little bit of diversification for\n\nChannel 1: So\n\nChannel 0: you.\n\nChannel 1: just trying to understand page two and page three. They both say it's from the same period. How are they different?\n\nChannel 0: No. They're\n\nChannel 1: Yeah.\n\nChannel 0: not the same period. So the first the first document, so the one with the negative return, is from the 09/16/2025 through\n\nChannel 1: Oh, twenty\n\nChannel 0: to the\n\nChannel 1: '25.\n\nChannel 0: fifteenth twenty through the 2026.\n\nChannel 1: Yeah.\n\nChannel 0: The six month one is from the 03/16/2026 through to the 09/15/2026. So it's a twelve month and six month report for\n\nChannel 1: Okay. So over a period of twelve months, I lost money. But over a period of six months last\n\nChannel 0: you. Yes.\n\nChannel 1: six\n\nChannel 0: Yeah.\n\nChannel 1: months, it they're sort of cloned\n\nChannel 0: Yeah.\n\nChannel 1: back a little bit.\n\nChannel 0: Significantly. Significantly. It's returning 8.27% in the last six months. And that's\n\nChannel 1: Yeah.\n\nChannel 0: that's how the share and that's how the market reacts. So a little bit different with property, you don't necessarily see live prices like this. The only time you\n\nChannel 1: Yeah.\n\nChannel 0: you see the live price of a property's value is when you sell it or buy it.\n\nChannel 1: Yeah.\n\nChannel 0: You can have valuations in between. They're guesstimates or the the closest market appraisal you can get. So that's where the two differ a little bit in relation to valuation is you can see this today. It's a long term investment like property. So we would expect in the high growth portfolio that you're invested in and you did say that you're comfortable with is that at least in one in every five years, you will experience a negative return.\n\nChannel 1: So the thing that I'm struggling with is that the market value start of the period was 2,006 206. The deposit to the account were 26,000. And after that, the two the $2.32 actually ended up being 218,000. So even after the deposits are coming from my employer,\n\nChannel 0: Mhmm.\n\nChannel 1: and even\n\nChannel 0: Mhmm.\n\nChannel 1: if there was a zero growth or no growth whatsoever, if I were to cash it, it's basically eating up in my deposits.\n\nChannel 0: Not necessarily. No. That's not so those withdrawals so if you look at the withdrawals,\n\nChannel 1: Yeah.\n\nChannel 0: because that's funded through your super fund.\n\nChannel 1: That's about $1,300. Yep.\n\nChannel 0: Yep. And then you've got your fees. So what I can do post this conversation, because I do know that you're now are you are you still needing to run to that meeting, or did you want me to phone you back?\n\nChannel 1: Yeah. We're still not fifteen minutes. Yep.\n\nChannel 0: Oh, okay. Sorry. I thought you said 01:30.\n\nChannel 1: So one\n\nChannel 0: Okay.\n\nChannel 1: thirty my time.\n\nChannel 0: Oh, yes. Of course. Sorry. My apologies. I will send you an actual detailed breakdown of this\n\nChannel 1: Yeah.\n\nChannel 0: for you because it's the report itself is designed to give you an over haul, a high level view. Let me spend some time breaking it down for you in a little bit more detail so it's not confusing and across two different pages. I can just incorporate it into one email. Is that okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yeah. Okay. I'm just making a note for myself. Inbound first outgoing. Okay.\n\nFantastic. The Vanguard index chart is the next document there. It is a visual tool that we like to share with our clients. So, again, I'll refer back to your high growth portfolio. That is where we would see 90% of your assets invested in a in the growth sector with 10% in your defensive.\n\nSo down the right hand side of this document, you'll see there's four assets listed at the top being US shares, Australian shares, international, and Australian listed property. They're\n\nChannel 1: Mhmm.\n\nChannel 0: your growth they're your growth assets where we would see approximately 90% of your funds typically invested in. The remaining 10% would see in Australian bonds and cash being your defensive assets. So over the long term, you would see that they don't experience significant growth, and they do experience less volatility, whereas your gross assets long term provide the growth for you. Also, an income component as well, that's where we like to confirm that you're comfortable with that that allocation to risk because you will experience market fluctuations and volatility.\n\nChannel 1: Yeah.\n\nChannel 0: In a high growth portfolio, we suggest a minimum time frame investment of eight years to be able to withstand more as an education tool to make sure clients are fully aware that the market you are going to, without a doubt, experience volatility. That that's the one thing that I can categorically say hand on heart will happen.\n\nChannel 1: Yep.\n\nChannel 0: You will also see that a lot of those volatility events coincide with world events. You've got COVID as an as an example, the GFC, for example, that hit nearly every single market. And COVID, for example, is a is a great example. You know, it it it significantly had a drop in the market that you'll note probably from your own experience as well. Property Australian property market prices soared.\n\nSo when one market typically has an impact, another market typically has the opposite effect. So I I guess the reason why I'm spending a bit of time on this is that I do wanna just make sure that you are happy with the high growth portfolio and the volatility because you are going to experience negative returns, and I just need to make sure that you are 100% comfortable with that because I I don't feel I I'm not sure that we're from the the negative returns you've experienced in the last twelve months, but I feel like we should spend some more time on how you can experience negative negative losses and ensure\n\nChannel 1: I understand\n\nChannel 0: that you're\n\nChannel 1: that,\n\nChannel 0: comfortable.\n\nChannel 1: you know, there is a\n\nChannel 0: Yeah.\n\nChannel 1: negative loss that's in there.\n\nChannel 0: Yeah.\n\nChannel 1: No. Negative return in there. The other\n\nChannel 0: Yeah.\n\nChannel 1: thing that I'm looking at is the fee of on my account has grown from 1,600 to $3,700.\n\nChannel 0: And which document are we up to now?\n\nChannel 1: So I'm looking at the I'm looking at so I've gone past a bit I've gone past the certificate of\n\nChannel 0: Oh,\n\nChannel 1: currency.\n\nChannel 0: that's\n\nChannel 1: I've\n\nChannel 0: okay.\n\nChannel 1: gone past the\n\nChannel 0: Oh, you're at the very last document.\n\nChannel 1: yes.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So\n\nChannel 0: Just let me let me cover off on these these two before that.\n\nChannel 1: Yep.\n\nChannel 0: Your TEL certificate of currency is it just outlines again to you what was on the first page that your policy's current in place and the cost of it. The next\n\nChannel 1: Yes.\n\nChannel 0: document is the financial services guide. So that what that document is is it tells you who we are, who we're licensed by that we're licensed by ASIC, the types of advice we can provide, and how we provide it along with if you're unhappy with any services provided, how you can make a complaint and the complaints process.\n\nChannel 1: Yep.\n\nChannel 0: The ongoing serve ongoing fee document, I am not let I'm gonna jump into Hub quickly and see what you've been charged in the past. My apologies because I don't have that at hand. Give me one second, please. What I might do instead of keeping you on the phone is confirm in the email that I'm gonna send you with everything else is confirm in an email in writing for you because I don't have access that I don't get given I I don't have access at hand to last year's fees. But\n\nChannel 1: Yep.\n\nChannel 0: if my if my system wants to play nice with me today and let me log in the first time instead of a couple of times that it made me do earlier this morning, I should be able to give you an answer. Sorry. It won't be a second. What I might do with you, if it's okay, is I'm having trouble with getting my computer to log in to Hub at the moment, is I might\n\nChannel 1: Mhmm.\n\nChannel 0: put that in an email for you as well. Is that okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: And yeah. Then that way I can just cross it off on all one one message for you. I'm still not getting in there. So no. Okay.\n\nI will get this to you this afternoon anyhow with a breakdown of all that information we've talked about. Just with the adviser service fees, when I do come back to you, if you're happy to proceed and remain a client of Oakview Financial, once you've had a chance to review the information that I'm gonna email to you,\n\nChannel 1: Yeah.\n\nChannel 0: you will need you will need to sign that. That fee there is per annum. What actually happens to it is is it's broken. It's divided by 12 and paid monthly. So it is not a and it's a fixed fee, whereas in the past, it was probably a percent based fee, and it fluctuated with the market.\n\nSo this so we've moved our fee structure to your next annual review.\n\nChannel 1: I'll have a look at the details on the email. And\n\nChannel 0: Yeah.\n\nChannel 1: if\n\nChannel 0: Yep.\n\nChannel 1: I decide to move over there, I'll let you know in the email as well.\n\nChannel 0: Yeah. Of course. I'm trying still as we speak to get in logged in. So I will get this to you as soon as possible, and you can have a review of it. And if you have any questions, feel free to send an email back or or or phone back, and\n\nChannel 1: Mhmm.\n\nChannel 0: I can run through it with you over the phone before you sign any documents or make any further decisions.\n\nChannel 1: Alright. Sounds good. If I were to decide to move away either from hub twenty four or from the current setup and and basically try and log in and manage this on my own. What does that look like?\n\nChannel 0: That, I will have to get an answer for you because I am not entirely sure how that process works, but I will\n\nChannel 1: Yep.\n\nChannel 0: definitely get that information\n\nChannel 1: And, also, I appreciate if you could please find out what the amount for income protection should be based on my current income that you should be covering all.\n\nChannel 0: I can give you that factual information based on your income that you gave me. That's no problem at all.\n\nChannel 1: Alright. Sounds good.\n\nChannel 0: Alright. Thanks for your time. I appreciate it.\n\nChannel 1: No worries.\n\nChannel 0: Enjoy\n\nChannel 1: Thank you\n\nChannel 0: your\n\nChannel 1: very much.\n\nChannel 0: afternoon, and I'll email you shortly.\n\nChannel 1: Alright. Sounds good. Thank\n\nChannel 0: Okay.\n\nChannel 1: you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.011090705171227455}],"sentiment":"neutral","sentiment_score":0.011090705171227455,"channel":1,"num_words":1,"start":1.12,"end":1.62},{"sentences":[{"text":"Hello.","start":2.8,"end":3.3,"sentiment":"neutral","sentiment_score":0.016936112195253372},{"text":"Is this Rahul?","start":3.36,"end":4.42,"sentiment":"neutral","sentiment_score":0.022783648843566578}],"sentiment":"neutral","sentiment_score":0.021321764681488276,"channel":0,"num_words":4,"start":2.8,"end":4.42},{"sentences":[{"text":"Yes.","start":4.88,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.07768038660287857},{"text":"Speaking.","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.07352858781814575}],"sentiment":"neutral","sentiment_score":0.07560448721051216,"channel":1,"num_words":2,"start":4.88,"end":5.8599997},{"sentences":[{"text":"This is Jenna from Oakview Financial.","start":6.3999996,"end":8.5,"sentiment":"neutral","sentiment_score":0.1302332989871502},{"text":"How are you today?","start":8.559999,"end":9.54,"sentiment":"neutral","sentiment_score":0.15932904556393623}],"sentiment":"neutral","sentiment_score":0.1418715976178646,"channel":0,"num_words":10,"start":6.3999996,"end":9.54},{"sentences":[{"text":"Good.","start":10.08,"end":10.32,"sentiment":"positive","sentiment_score":0.47791987657547},{"text":"Thanks, Sonia.","start":10.32,"end":11.139999,"sentiment":"positive","sentiment_score":0.5609889030456543}],"sentiment":"positive","sentiment_score":0.5332992275555929,"channel":1,"num_words":3,"start":10.08,"end":11.139999},{"sentences":[{"text":"I'm well.","start":11.679999,"end":12.32,"sentiment":"positive","sentiment_score":0.5440544486045837},{"text":"Thank you.","start":12.32,"end":13.139999,"sentiment":"positive","sentiment_score":0.5362268090248108},{"text":"Before I go any further, I just want to let you know that our calls are recorded for quality and coaching purposes.","start":13.455,"end":19.235,"sentiment":"neutral","sentiment_score":0.05949850363487547},{"text":"Is that okay?","start":19.295,"end":20.115,"sentiment":"neutral","sentiment_score":0.07634099572896957}],"sentiment":"neutral","sentiment_score":0.1275362959452744,"channel":0,"num_words":29,"start":11.679999,"end":20.115},{"sentences":[{"text":"Yeah.","start":20.724998,"end":20.885,"sentiment":"neutral","sentiment_score":0.11046606302261353},{"text":"That's fine.","start":20.885,"end":21.705,"sentiment":"neutral","sentiment_score":0.2518296539783478}],"sentiment":"neutral","sentiment_score":0.20470845699310303,"channel":1,"num_words":3,"start":20.724998,"end":21.705},{"sentences":[{"text":"Beautiful.","start":22.415,"end":22.915,"sentiment":"positive","sentiment_score":0.5413815975189209},{"text":"And may I please get you to confirm your full name, date of birth, and address, please?","start":23.375,"end":29.09,"sentiment":"neutral","sentiment_score":0.12643705308437347}],"sentiment":"neutral","sentiment_score":0.14948952777518165,"channel":0,"num_words":18,"start":22.415,"end":29.09},{"sentences":[{"text":"Yep.","start":30.21,"end":30.71,"sentiment":"neutral","sentiment_score":0.04868210479617119},{"text":"Rachael Dan, 08/18/1981.","start":30.769999,"end":33.809998,"sentiment":"neutral","sentiment_score":0.041465322176615395},{"text":"It's Life Certificate Shearwater Drive, Mosa Lakes.","start":33.809998,"end":36.47,"sentiment":"neutral","sentiment_score":0.06575410600219454}],"sentiment":"neutral","sentiment_score":0.05757789212194356,"channel":1,"num_words":11,"start":30.21,"end":36.47},{"sentences":[{"text":"Wonderful.","start":37.87,"end":38.37,"sentiment":"positive","sentiment_score":0.5613067150115967},{"text":"Thank you for confirming that.","start":38.43,"end":39.79,"sentiment":"positive","sentiment_score":0.6648689389228821},{"text":"I appreciate that.","start":39.79,"end":41.17,"sentiment":"positive","sentiment_score":0.624595582485199},{"text":"The purpose of my call today is to run through your annual review that we have booked in.","start":42.274998,"end":48.195,"sentiment":"neutral","sentiment_score":0.19573770463466644},{"text":"Do you still have time to complete that now?","start":48.195,"end":50.614998,"sentiment":"neutral","sentiment_score":0.11360127396053737}],"sentiment":"neutral","sentiment_score":0.28625356405973434,"channel":0,"num_words":36,"start":37.87,"end":50.614998},{"sentences":[{"text":"Yes, please.","start":51.185,"end":52.005,"sentiment":"neutral","sentiment_score":0.051894769072532654}],"sentiment":"neutral","sentiment_score":0.051894769072532654,"channel":1,"num_words":2,"start":51.185,"end":52.005},{"sentences":[{"text":"Okay.","start":52.995,"end":53.495,"sentiment":"neutral","sentiment_score":0.03223515674471855},{"text":"Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion.","start":54.809998,"end":68.19,"sentiment":"neutral","sentiment_score":-0.005490271939021169}],"sentiment":"neutral","sentiment_score":-0.004380700507146471,"channel":0,"num_words":34,"start":52.995,"end":68.19},{"sentences":[{"text":"Not that I'm aware of or I can't say anything changed.","start":69.935005,"end":75.455,"sentiment":"neutral","sentiment_score":-0.08534519848498431},{"text":"I mean, of course, I've changed my jobs, but financially,","start":75.455,"end":78.515,"sentiment":"neutral","sentiment_score":-0.05493854135274887}],"sentiment":"neutral","sentiment_score":-0.07086583794582457,"channel":1,"num_words":21,"start":69.935005,"end":78.515},{"sentences":[{"text":"Sorry.","start":78.185,"end":78.685,"sentiment":"neutral","sentiment_score":-0.1410982757806778}],"sentiment":"neutral","sentiment_score":-0.1410982757806778,"channel":0,"num_words":1,"start":78.185,"end":78.685},{"sentences":[{"text":"my situation hasn't changed.","start":78.575005,"end":80.015,"sentiment":"neutral","sentiment_score":-0.14143335819244385},{"text":"Sorry.","start":80.015,"end":80.335,"sentiment":"neutral","sentiment_score":-0.06535473465919495},{"text":"Can you please speak a little louder?","start":80.335,"end":81.935,"sentiment":"neutral","sentiment_score":-0.05469253925340516},{"text":"I can barely hear you.","start":81.935,"end":83.22,"sentiment":"neutral","sentiment_score":-0.15708765089511872}],"sentiment":"neutral","sentiment_score":-0.10584554098108236,"channel":1,"num_words":17,"start":78.575005,"end":83.22},{"sentences":[{"text":"Sorry.","start":83.57,"end":83.89,"sentiment":"neutral","sentiment_score":-0.13613848388195038},{"text":"I do have that often, that feedback.","start":83.89,"end":86.229996,"sentiment":"neutral","sentiment_score":-0.060136510857513974},{"text":"So let me see if I can just turn the volume up.","start":86.369995,"end":89.11,"sentiment":"neutral","sentiment_score":-0.02292418262610833},{"text":"Is that a bit better?","start":89.25,"end":90.39,"sentiment":"neutral","sentiment_score":-0.035102485492825505}],"sentiment":"neutral","sentiment_score":-0.040307867154479024,"channel":0,"num_words":25,"start":83.57,"end":90.39},{"sentences":[{"text":"Probably show me a shade better.","start":92.74,"end":94.6,"sentiment":"neutral","sentiment_score":-0.061860211193561554}],"sentiment":"neutral","sentiment_score":-0.061860211193561554,"channel":1,"num_words":6,"start":92.74,"end":94.6},{"sentences":[{"text":"Only let's see.","start":95.33,"end":97.35501,"sentiment":"neutral","sentiment_score":-0.030914755538105965},{"text":"Is that better?","start":97.35501,"end":98.415,"sentiment":"neutral","sentiment_score":-0.009410714420179525}],"sentiment":"neutral","sentiment_score":-0.020162734979142744,"channel":0,"num_words":6,"start":95.33,"end":98.415},{"sentences":[{"text":"Yes.","start":99.015,"end":99.255005,"sentiment":"neutral","sentiment_score":0.04618773236870766},{"text":"Much better.","start":99.255005,"end":99.995,"sentiment":"neutral","sentiment_score":0.07102880999445915}],"sentiment":"neutral","sentiment_score":0.06274845078587532,"channel":1,"num_words":3,"start":99.015,"end":99.995},{"sentences":[{"text":"Okay.","start":100.955,"end":101.455,"sentiment":"neutral","sentiment_score":0.03654404357075691},{"text":"Alright.","start":101.915,"end":102.415,"sentiment":"neutral","sentiment_score":0.045050960034132},{"text":"What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update.","start":103.915,"end":119.119995,"sentiment":"neutral","sentiment_score":0.028324668450901907},{"text":"Is that 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portfolio.","start":1413.39,"end":1423.9701,"sentiment":"neutral","sentiment_score":0.04518823581747711},{"text":"You under do you understand that, or would you like me","start":1424.11,"end":1426.51,"sentiment":"neutral","sentiment_score":-0.007458012889732014}],"sentiment":"neutral","sentiment_score":0.0335332987376967,"channel":0,"num_words":37,"start":1412.6951,"end":1426.51},{"sentences":[{"text":"I","start":1426.355,"end":1426.595,"sentiment":"neutral","sentiment_score":-0.0039396509528160095}],"sentiment":"neutral","sentiment_score":-0.0039396509528160095,"channel":1,"num_words":1,"start":1426.355,"end":1426.595},{"sentences":[{"text":"to 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I was looking at options to potentially move towards or considering if if I could I could look at managing it on my own.","start":1429.635,"end":1445.6649,"sentiment":"neutral","sentiment_score":0.0488363516330719},{"text":"Is that something that is an option?","start":1445.6649,"end":1447.7649,"sentiment":"neutral","sentiment_score":0.03637183883360454}],"sentiment":"neutral","sentiment_score":0.046109739458188415,"channel":1,"num_words":32,"start":1429.635,"end":1447.7649},{"sentences":[{"text":"That is entirely a a consideration for yourself.","start":1449.33,"end":1454.07,"sentiment":"neutral","sentiment_score":-0.00843884889036417},{"text":"How would you look at managing it yourself?","start":1457.01,"end":1460.7151,"sentiment":"neutral","sentiment_score":0.0038278577849268913},{"text":"What would be your your approach?","start":1460.7151,"end":1463.135,"sentiment":"neutral","sentiment_score":-0.014429896138608456},{"text":"Is do you mean as in a self managed super fund or just taking care picking and choosing your own investment?","start":1463.1951,"end":1470.175,"sentiment":"neutral","sentiment_score":-0.023639325850776265}],"sentiment":"neutral","sentiment_score":-0.014416119733522104,"channel":0,"num_words":43,"start":1449.33,"end":1470.175},{"sentences":[{"text":"I mean, with the property option gone from self managed super fund, what are","start":1474.455,"end":1479.975,"sentiment":"neutral","sentiment_score":-0.040883202105760574}],"sentiment":"neutral","sentiment_score":-0.040883202105760574,"channel":1,"num_words":14,"start":1474.455,"end":1479.975},{"sentences":[{"text":"Mhmm.","start":1479.93,"end":1480.43,"sentiment":"neutral","sentiment_score":-0.03186502680182457}],"sentiment":"neutral","sentiment_score":-0.03186502680182457,"channel":0,"num_words":1,"start":1479.93,"end":1480.43},{"sentences":[{"text":"the other options apart from apart from the experience stuff that I could go 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were","start":1576.475,"end":1585.59,"sentiment":"neutral","sentiment_score":-0.313936818923269}],"sentiment":"negative","sentiment_score":-0.34607923969074533,"channel":0,"num_words":27,"start":1573.115,"end":1585.59},{"sentences":[{"text":"Mhmm.","start":1585.6849,"end":1586.04,"sentiment":"neutral","sentiment_score":-0.10789203643798828}],"sentiment":"neutral","sentiment_score":-0.10789203643798828,"channel":1,"num_words":1,"start":1585.6849,"end":1586.04},{"sentences":[{"text":"to use your superannuation as well to go down a property 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make sense?","start":1664.845,"end":1665.985,"sentiment":"neutral","sentiment_score":0.043610529974102974}],"sentiment":"neutral","sentiment_score":0.043610529974102974,"channel":0,"num_words":4,"start":1664.845,"end":1665.985},{"sentences":[{"text":"stay inside.","start":1665.805,"end":1666.545,"sentiment":"neutral","sentiment_score":0.009050155058503151},{"text":"Yeah.","start":1667.21,"end":1667.53,"sentiment":"neutral","sentiment_score":0.05477553606033325},{"text":"I mean, it 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so","start":1686.515,"end":1691.475,"sentiment":"neutral","sentiment_score":-0.04504127651453018}],"sentiment":"neutral","sentiment_score":-0.04504127651453018,"channel":0,"num_words":15,"start":1686.515,"end":1691.475},{"sentences":[{"text":"Mhmm.","start":1691.305,"end":1691.805,"sentiment":"neutral","sentiment_score":0.027551738545298576}],"sentiment":"neutral","sentiment_score":0.027551738545298576,"channel":1,"num_words":1,"start":1691.305,"end":1691.805},{"sentences":[{"text":"I can have a look at that.","start":1691.475,"end":1692.935,"sentiment":"neutral","sentiment_score":0.05721033045223781},{"text":"Okay.","start":1697.76,"end":1698.26,"sentiment":"neutral","sentiment_score":0.2856559753417969},{"text":"Fantastic.","start":1698.48,"end":1698.98,"sentiment":"positive","sentiment_score":0.5038083791732788},{"text":"That's one question I can come back to you with.","start":1699.2,"end":1701.36,"sentiment":"neutral","sentiment_score":0.2664257973432541},{"text":"I can't answer that right now, but I can definitely come back to you with that.","start":1701.36,"end":1704.98,"sentiment":"neutral","sentiment_score":0.2330949855968356}],"sentiment":"neutral","sentiment_score":0.21667755459036145,"channel":0,"num_words":35,"start":1691.475,"end":1704.98},{"sentences":[{"text":"Okay.","start":1705.2899,"end":1705.7899,"sentiment":"neutral","sentiment_score":0.17118167877197266}],"sentiment":"neutral","sentiment_score":0.17118167877197266,"channel":1,"num_words":1,"start":1705.2899,"end":1705.7899},{"sentences":[{"text":"What I will do is just quickly let you know that in your emails, you'll have an email from me that's called OdooSign.","start":1706.5599,"end":1713.625,"sentiment":"neutral","sentiment_score":0.15474070560025133},{"text":"It's got your review pack in it.","start":1714.325,"end":1716.345,"sentiment":"neutral","sentiment_score":0.05705969088843891},{"text":"I we're definitely gonna run out of time to complete your 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overview.","start":2238.0652,"end":2240.965,"sentiment":"neutral","sentiment_score":0.21228483505547047},{"text":"It's more been along at the moment that we're looking at replacing.","start":2241.665,"end":2246.225,"sentiment":"neutral","sentiment_score":0.03802055539563298},{"text":"You have real you have a great exposure being your iShares S and P 500.","start":2246.225,"end":2256.23,"sentiment":"neutral","sentiment_score":0.20971341530481974},{"text":"That's your international portfolio.","start":2256.23,"end":2259.37,"sentiment":"neutral","sentiment_score":0.20056284591555595}],"sentiment":"neutral","sentiment_score":0.15126673895500453,"channel":0,"num_words":51,"start":2233.345,"end":2259.37},{"sentences":[{"text":"And your other core portfolio being the Benelong Australian Equities Fund, so your Australian share portfolio, which will be which will likely be replaced with an alternative.","start":2260.425,"end":2270.365,"sentiment":"neutral","sentiment_score":0.10249945686923133},{"text":"But outside of those, you've got a few different satellite funds that are in more niche, let's call it, sectors or so you've got your global cyber, robotics, and AI.","start":2271.145,"end":2286.095,"sentiment":"neutral","sentiment_score":0.031600722360114256},{"text":"You've got your global battery tech and lithium, which have all had great returns recently","start":2286.555,"end":2292.975,"sentiment":"neutral","sentiment_score":0.2075730964541435}],"sentiment":"neutral","sentiment_score":0.09484865907062259,"channel":0,"num_words":72,"start":2260.425,"end":2292.975},{"sentences":[{"text":"Yep.","start":2292.765,"end":2293.08,"sentiment":"neutral","sentiment_score":0.12111257016658784}],"sentiment":"neutral","sentiment_score":0.12111257016658784,"channel":1,"num_words":1,"start":2292.765,"end":2293.08},{"sentences":[{"text":"given the cost of the fuel crisis and, you know, global security with all the AI, and you would be well across that in your profession.","start":2293.035,"end":2304.08,"sentiment":"neutral","sentiment_score":0.06737293833150314},{"text":"And then you've also got the Asia and Europe exposure, giving you exposure to different economies.","start":2304.54,"end":2310.1602,"sentiment":"neutral","sentiment_score":-0.014950441312976182},{"text":"So at the moment, there's nothing there that raises any red flags for us except probably the Benelon, which is not necessarily a red flag.","start":2311.1948,"end":2321.435,"sentiment":"negative","sentiment_score":-0.3455653166770935},{"text":"It's a sys it's an ongoing systemic return that we're looking at rectifying.","start":2321.435,"end":2326.79,"sentiment":"neutral","sentiment_score":-0.2739049454147999},{"text":"So it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so.","start":2327.17,"end":2337.705,"sentiment":"neutral","sentiment_score":-0.17118831881536886}],"sentiment":"neutral","sentiment_score":-0.142814190197244,"channel":0,"num_words":106,"start":2293.035,"end":2337.705},{"sentences":[{"text":"So just so I read it correctly, the Bennelong one says the income made in the period is $14.46.","start":2338.325,"end":2349.82,"sentiment":"neutral","sentiment_score":-0.012556039041986591},{"text":"Is it?","start":2349.82,"end":2350.4802,"sentiment":"neutral","sentiment_score":0.015968567691743374}],"sentiment":"neutral","sentiment_score":-0.009839409829250403,"channel":1,"num_words":21,"start":2338.325,"end":2350.4802},{"sentences":[{"text":"Yeah.","start":2351.4202,"end":2351.58,"sentiment":"neutral","sentiment_score":0.02498989924788475},{"text":"So that's the income, so the dividends of the 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return.","start":2412.25,"end":2431.5452,"sentiment":"negative","sentiment_score":-0.38273084926050766}],"sentiment":"negative","sentiment_score":-0.36819570221834713,"channel":0,"num_words":45,"start":2409.9302,"end":2431.5452},{"sentences":[{"text":"So the total growth itself was negative, is it?","start":2434.01,"end":2436.945,"sentiment":"neutral","sentiment_score":-0.3290734075837665}],"sentiment":"neutral","sentiment_score":-0.3290734075837665,"channel":1,"num_words":9,"start":2434.01,"end":2436.945},{"sentences":[{"text":"Not overall.","start":2438.7,"end":2439.5999,"sentiment":"negative","sentiment_score":-0.3570914566516876},{"text":"No.","start":2439.74,"end":2440.22,"sentiment":"negative","sentiment_score":-0.357644259929657},{"text":"Not overall.","start":2440.22,"end":2441.04,"sentiment":"neutral","sentiment_score":-0.3242463171482086},{"text":"Just for the.","start":2441.82,"end":2442.88,"sentiment":"neutral","sentiment_score":-0.21611247460047403}],"sentiment":"neutral","sentiment_score":-0.29608215391635895,"channel":0,"num_words":8,"start":2438.7,"end":2442.88},{"sentences":[{"text":"Okay.","start":2444.3052,"end":2444.625,"sentiment":"neutral","sentiment_score":-0.05512413382530213},{"text":"So what is the overall number that we have sort of gone from and gone to?","start":2444.625,"end":2448.8052,"sentiment":"neutral","sentiment_score":-0.06606595613993704}],"sentiment":"neutral","sentiment_score":-0.06542231953319382,"channel":1,"num_words":17,"start":2444.3052,"end":2448.8052},{"sentences":[{"text":"The overall total earnings.","start":2449.82,"end":2453.095,"sentiment":"neutral","sentiment_score":-0.04146246379241347},{"text":"So the overall growth so if we look at if you go down to page two of that, can you 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$6,680.11.","start":2462.595,"end":2470.1199,"sentiment":"neutral","sentiment_score":-0.03104947991669178}],"sentiment":"neutral","sentiment_score":-0.028441849785546463,"channel":0,"num_words":18,"start":2460.9949,"end":2470.1199},{"sentences":[{"text":"Yeah.","start":2470.8152,"end":2471.3152,"sentiment":"neutral","sentiment_score":-0.029530871659517288}],"sentiment":"neutral","sentiment_score":-0.029530871659517288,"channel":1,"num_words":1,"start":2470.8152,"end":2471.3152},{"sentences":[{"text":"And then the next two across, it says gross in period, negative 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the","start":2487.275,"end":2487.7551,"sentiment":"neutral","sentiment_score":-0.07117167860269547}],"sentiment":"neutral","sentiment_score":-0.10353991016745567,"channel":0,"num_words":8,"start":2481.5398,"end":2487.7551},{"sentences":[{"text":"Yep.","start":2487.71,"end":2488.155,"sentiment":"neutral","sentiment_score":-0.06963485479354858}],"sentiment":"neutral","sentiment_score":-0.06963485479354858,"channel":1,"num_words":1,"start":2487.71,"end":2488.155},{"sentences":[{"text":"total earnings were a positive, but then when you take away the fees being charged, so the investment management fees,","start":2487.7551,"end":2495.375,"sentiment":"neutral","sentiment_score":-0.19335501603782176}],"sentiment":"neutral","sentiment_score":-0.19335501603782176,"channel":0,"num_words":20,"start":2487.7551,"end":2495.375},{"sentences":[{"text":"Yeah.","start":2496.155,"end":2496.655,"sentiment":"neutral","sentiment_score":-0.2926417589187622}],"sentiment":"neutral","sentiment_score":-0.2926417589187622,"channel":1,"num_words":1,"start":2496.155,"end":2496.655},{"sentences":[{"text":"the admin fees, and our adviser fee, it becomes a negative return.","start":2496.235,"end":2499.98,"sentiment":"negative","sentiment_score":-0.5342678899566332}],"sentiment":"negative","sentiment_score":-0.5342678899566332,"channel":0,"num_words":12,"start":2496.235,"end":2499.98},{"sentences":[{"text":"Yeah.","start":2500.875,"end":2501.2751,"sentiment":"neutral","sentiment_score":-0.10180408507585526},{"text":"Right.","start":2501.2751,"end":2501.7751,"sentiment":"neutral","sentiment_score":-0.06001220643520355}],"sentiment":"neutral","sentiment_score":-0.0809081457555294,"channel":1,"num_words":2,"start":2500.875,"end":2501.7751},{"sentences":[{"text":"Yep.","start":2502.36,"end":2502.86,"sentiment":"neutral","sentiment_score":-0.07231703400611877},{"text":"The next document, though, is designed to give you a little bit more relief.","start":2503.4,"end":2507.98,"sentiment":"neutral","sentiment_score":0.11100207934422153},{"text":"It's a six month performance period.","start":2509.56,"end":2512.155,"sentiment":"neutral","sentiment_score":0.14250734945138296},{"text":"So with Hub, so for the last six months, not the twelve, you'll see that the Bennelong is bouncing back the funds itself.","start":2512.2148,"end":2520.555,"sentiment":"neutral","sentiment_score":0.05054666126227897},{"text":"We're still looking to replace.","start":2520.9348,"end":2522.9348,"sentiment":"neutral","sentiment_score":-0.1213465005159378}],"sentiment":"neutral","sentiment_score":0.059032589387224645,"channel":0,"num_words":49,"start":2502.36,"end":2522.9348},{"sentences":[{"text":"We're not confident maintaining the balance on Australian equity fund long term presently.","start":2522.9348,"end":2529.24,"sentiment":"neutral","sentiment_score":-0.32208560292537397},{"text":"So our Amanda, our philosophy is we're still looking to replace.","start":2529.7,"end":2533.56,"sentiment":"neutral","sentiment_score":0.036177392371676186},{"text":"But you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%.","start":2534.34,"end":2543.575,"sentiment":"neutral","sentiment_score":0.22637718617916108}],"sentiment":"neutral","sentiment_score":0.0381687373987266,"channel":0,"num_words":49,"start":2522.9348,"end":2543.575},{"sentences":[{"text":"Okay.","start":2546.905,"end":2547.405,"sentiment":"neutral","sentiment_score":0.0788680911064148}],"sentiment":"neutral","sentiment_score":0.0788680911064148,"channel":1,"num_words":1,"start":2546.905,"end":2547.405},{"sentences":[{"text":"So you're never gonna see that column all positive.","start":2548.355,"end":2551.4148,"sentiment":"neutral","sentiment_score":-0.23849276784393522},{"text":"It is very, very unlikely you're ever gonna see that column as being all positive returns.","start":2551.8,"end":2557.34,"sentiment":"negative","sentiment_score":-0.3999747075140476},{"text":"The reason being is the markets, the different economies, and the different sectors, they all react differently with each other, which is why we diversify across different economies, different companies and businesses and share markets.","start":2557.72,"end":2573.795,"sentiment":"neutral","sentiment_score":-0.11558794411165374},{"text":"Because when one does react in a we'll just call it a negative question that's my concern I raised before in relation to in relation to property is that you're heavily skewed for property in your personal assets that it leaves little room for diversification.","start":2574.415,"end":2604.9849,"sentiment":"neutral","sentiment_score":-0.2949028369453218},{"text":"So your share port your superannuation portfolio does provide a little bit of diversification for","start":2605.4448,"end":2610.59,"sentiment":"neutral","sentiment_score":0.003938858459393183}],"sentiment":"neutral","sentiment_score":-0.21502627550313871,"channel":0,"num_words":120,"start":2548.355,"end":2610.59},{"sentences":[{"text":"So","start":2615.8452,"end":2616.245,"sentiment":"neutral","sentiment_score":-0.05254000052809715}],"sentiment":"neutral","sentiment_score":-0.05254000052809715,"channel":1,"num_words":1,"start":2615.8452,"end":2616.245},{"sentences":[{"text":"you.","start":2616.0977,"end":2616.5977,"sentiment":"neutral","sentiment_score":-0.049808088690042496}],"sentiment":"neutral","sentiment_score":-0.049808088690042496,"channel":0,"num_words":1,"start":2616.0977,"end":2616.5977},{"sentences":[{"text":"just trying to understand page two and page three.","start":2616.245,"end":2618.725,"sentiment":"neutral","sentiment_score":-0.047372946308718786},{"text":"They both say it's from the same period.","start":2618.725,"end":2621.625,"sentiment":"neutral","sentiment_score":-0.05275633791461587},{"text":"How are they different?","start":2622.165,"end":2623.225,"sentiment":"neutral","sentiment_score":-0.07473629713058472}],"sentiment":"neutral","sentiment_score":-0.0546358289817969,"channel":1,"num_words":21,"start":2616.245,"end":2623.225},{"sentences":[{"text":"No.","start":2626.505,"end":2626.7449,"sentiment":"neutral","sentiment_score":-0.10538002848625184},{"text":"They're","start":2626.7449,"end":2626.905,"sentiment":"neutral","sentiment_score":-0.050512559711933136}],"sentiment":"neutral","sentiment_score":-0.07794629409909248,"channel":0,"num_words":2,"start":2626.505,"end":2626.905},{"sentences":[{"text":"Yeah.","start":2626.82,"end":2627.32,"sentiment":"neutral","sentiment_score":-0.0700514018535614}],"sentiment":"neutral","sentiment_score":-0.0700514018535614,"channel":1,"num_words":1,"start":2626.82,"end":2627.32},{"sentences":[{"text":"not the same period.","start":2626.905,"end":2627.865,"sentiment":"neutral","sentiment_score":-0.08692212030291557},{"text":"So the first the first document, so the one with the negative return, is from the 09/16/2025 through","start":2627.865,"end":2636.49,"sentiment":"neutral","sentiment_score":-0.0899865511390898}],"sentiment":"neutral","sentiment_score":-0.08942938189614903,"channel":0,"num_words":22,"start":2626.905,"end":2636.49},{"sentences":[{"text":"Oh, twenty","start":2636.34,"end":2636.82,"sentiment":"neutral","sentiment_score":-0.05339011736214161}],"sentiment":"neutral","sentiment_score":-0.05339011736214161,"channel":1,"num_words":2,"start":2636.34,"end":2636.82},{"sentences":[{"text":"to the","start":2636.57,"end":2637.23,"sentiment":"neutral","sentiment_score":-0.05178274214267731}],"sentiment":"neutral","sentiment_score":-0.05178274214267731,"channel":0,"num_words":2,"start":2636.57,"end":2637.23},{"sentences":[{"text":"'25.","start":2636.82,"end":2637.56,"sentiment":"neutral","sentiment_score":-0.06652872264385223}],"sentiment":"neutral","sentiment_score":-0.06652872264385223,"channel":1,"num_words":1,"start":2636.82,"end":2637.56},{"sentences":[{"text":"fifteenth twenty through the 2026.","start":2637.61,"end":2640.19,"sentiment":"neutral","sentiment_score":-0.04630520939826965}],"sentiment":"neutral","sentiment_score":-0.04630520939826965,"channel":0,"num_words":5,"start":2637.61,"end":2640.19},{"sentences":[{"text":"Yeah.","start":2640.66,"end":2641.16,"sentiment":"neutral","sentiment_score":-0.02773967757821083}],"sentiment":"neutral","sentiment_score":-0.02773967757821083,"channel":1,"num_words":1,"start":2640.66,"end":2641.16},{"sentences":[{"text":"The six month one is from the 03/16/2026 through to the 09/15/2026.","start":2640.81,"end":2648.91,"sentiment":"neutral","sentiment_score":-0.03268464840948582},{"text":"So it's a twelve month and six month report for","start":2649.53,"end":2652.365,"sentiment":"neutral","sentiment_score":-0.04712291453033686}],"sentiment":"neutral","sentiment_score":-0.039247496646236286,"channel":0,"num_words":22,"start":2640.81,"end":2652.365},{"sentences":[{"text":"Okay.","start":2653.76,"end":2654.0798,"sentiment":"neutral","sentiment_score":-0.06227581575512886},{"text":"So over a period of twelve months, I lost money.","start":2654.0798,"end":2656.56,"sentiment":"neutral","sentiment_score":-0.2879993930459023},{"text":"But over a period of six months last","start":2656.56,"end":2659.1199,"sentiment":"neutral","sentiment_score":-0.17795783001929522}],"sentiment":"neutral","sentiment_score":-0.229785915072027,"channel":1,"num_words":19,"start":2653.76,"end":2659.1199},{"sentences":[{"text":"you.","start":2658.825,"end":2658.905,"sentiment":"neutral","sentiment_score":-0.15798060595989227},{"text":"Yes.","start":2658.905,"end":2659.305,"sentiment":"neutral","sentiment_score":-0.04679693281650543}],"sentiment":"neutral","sentiment_score":-0.10238876938819885,"channel":0,"num_words":2,"start":2658.825,"end":2659.305},{"sentences":[{"text":"six","start":2659.1199,"end":2659.44,"sentiment":"neutral","sentiment_score":-0.03813554719090462}],"sentiment":"neutral","sentiment_score":-0.03813554719090462,"channel":1,"num_words":1,"start":2659.1199,"end":2659.44},{"sentences":[{"text":"Yeah.","start":2659.305,"end":2659.805,"sentiment":"neutral","sentiment_score":-0.039946299046278}],"sentiment":"neutral","sentiment_score":-0.039946299046278,"channel":0,"num_words":1,"start":2659.305,"end":2659.805},{"sentences":[{"text":"months, it they're sort of cloned","start":2659.44,"end":2662.16,"sentiment":"neutral","sentiment_score":-0.10628764952222507}],"sentiment":"neutral","sentiment_score":-0.10628764952222507,"channel":1,"num_words":6,"start":2659.44,"end":2662.16},{"sentences":[{"text":"Yeah.","start":2662.105,"end":2662.605,"sentiment":"neutral","sentiment_score":-0.05034829676151275}],"sentiment":"neutral","sentiment_score":-0.05034829676151275,"channel":0,"num_words":1,"start":2662.105,"end":2662.605},{"sentences":[{"text":"back a little bit.","start":2662.16,"end":2663.3,"sentiment":"neutral","sentiment_score":-0.0458519640378654}],"sentiment":"neutral","sentiment_score":-0.0458519640378654,"channel":1,"num_words":4,"start":2662.16,"end":2663.3},{"sentences":[{"text":"Significantly.","start":2663.705,"end":2664.205,"sentiment":"neutral","sentiment_score":0.06315471976995468},{"text":"Significantly.","start":2664.825,"end":2665.325,"sentiment":"neutral","sentiment_score":0.14212913811206818},{"text":"It's returning 8.27% in the last six months.","start":2665.83,"end":2669.29,"sentiment":"neutral","sentiment_score":0.16579347662627697},{"text":"And that's","start":2669.9102,"end":2670.6301,"sentiment":"neutral","sentiment_score":0.04761884920299053}],"sentiment":"neutral","sentiment_score":0.1355724474415183,"channel":0,"num_words":12,"start":2663.705,"end":2670.6301},{"sentences":[{"text":"Yeah.","start":2670.335,"end":2670.835,"sentiment":"neutral","sentiment_score":-0.006275647319853306}],"sentiment":"neutral","sentiment_score":-0.006275647319853306,"channel":1,"num_words":1,"start":2670.335,"end":2670.835},{"sentences":[{"text":"that's how the share and that's how the market reacts.","start":2670.6301,"end":2673.03,"sentiment":"neutral","sentiment_score":0.05481259375810623},{"text":"So a little bit different with property, you don't necessarily see live prices like this.","start":2673.03,"end":2680.7102,"sentiment":"neutral","sentiment_score":-0.05636937295397123},{"text":"The only time you","start":2680.7102,"end":2681.595,"sentiment":"neutral","sentiment_score":-0.012677774531766772}],"sentiment":"neutral","sentiment_score":-0.01200433637433011,"channel":0,"num_words":29,"start":2670.6301,"end":2681.595},{"sentences":[{"text":"Yeah.","start":2681.49,"end":2681.99,"sentiment":"neutral","sentiment_score":-0.003740735352039337}],"sentiment":"neutral","sentiment_score":-0.003740735352039337,"channel":1,"num_words":1,"start":2681.49,"end":2681.99},{"sentences":[{"text":"you see the live price of a property's value is when you sell it or buy it.","start":2681.595,"end":2686.975,"sentiment":"neutral","sentiment_score":-0.0037066833311281003}],"sentiment":"neutral","sentiment_score":-0.0037066833311281003,"channel":0,"num_words":17,"start":2681.595,"end":2686.975},{"sentences":[{"text":"Yeah.","start":2687.41,"end":2687.91,"sentiment":"neutral","sentiment_score":-0.002977810800075531}],"sentiment":"neutral","sentiment_score":-0.002977810800075531,"channel":1,"num_words":1,"start":2687.41,"end":2687.91},{"sentences":[{"text":"You can have valuations in between.","start":2687.435,"end":2689.615,"sentiment":"neutral","sentiment_score":-0.017576773340503376},{"text":"They're guesstimates or the the closest market appraisal you can get.","start":2691.755,"end":2700.01,"sentiment":"neutral","sentiment_score":-0.014266684905371883},{"text":"So that's where the two differ a little bit in relation to valuation is you can see this today.","start":2700.7102,"end":2708.25,"sentiment":"neutral","sentiment_score":-0.024632034235094722},{"text":"It's a long term investment like property.","start":2709.6702,"end":2711.945,"sentiment":"neutral","sentiment_score":-0.04584048342491899},{"text":"So we would expect in the high growth portfolio that you're invested in and you did say that you're comfortable with is that at least in one in every five years, you will experience a negative return.","start":2713.2852,"end":2724.84,"sentiment":"negative","sentiment_score":-0.3533809833429955}],"sentiment":"neutral","sentiment_score":-0.1765797824016772,"channel":0,"num_words":80,"start":2687.435,"end":2724.84},{"sentences":[{"text":"So the thing that I'm struggling with is that the market value start of the period was 2,006 206.","start":2726.575,"end":2732.31,"sentiment":"negative","sentiment_score":-0.5066057098539252},{"text":"The deposit to the account were 26,000.","start":2732.95,"end":2735.69,"sentiment":"neutral","sentiment_score":-0.33087843656539917},{"text":"And after that, the two the $2.32 actually ended up being 218,000.","start":2738.6301,"end":2747.69,"sentiment":"neutral","sentiment_score":-0.2962573431432247},{"text":"So even after the deposits are coming from my employer,","start":2748.555,"end":2751.855,"sentiment":"negative","sentiment_score":-0.38524717688560484}],"sentiment":"negative","sentiment_score":-0.4031086964532733,"channel":1,"num_words":48,"start":2726.575,"end":2751.855},{"sentences":[{"text":"Mhmm.","start":2752.615,"end":2752.83,"sentiment":"negative","sentiment_score":-0.34126898646354675}],"sentiment":"negative","sentiment_score":-0.34126898646354675,"channel":0,"num_words":1,"start":2752.615,"end":2752.83},{"sentences":[{"text":"and 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necessarily.","start":2762.59,"end":2763.57,"sentiment":"neutral","sentiment_score":-0.1915896311402321},{"text":"No.","start":2763.9502,"end":2764.35,"sentiment":"neutral","sentiment_score":-0.20371422171592712},{"text":"That's not so those withdrawals so if you look at the withdrawals,","start":2764.35,"end":2768.145,"sentiment":"neutral","sentiment_score":-0.131273136784633}],"sentiment":"neutral","sentiment_score":-0.1441447416941325,"channel":0,"num_words":15,"start":2762.59,"end":2768.145},{"sentences":[{"text":"Yeah.","start":2773.6401,"end":2774.085,"sentiment":"neutral","sentiment_score":-0.030879389494657516}],"sentiment":"neutral","sentiment_score":-0.030879389494657516,"channel":1,"num_words":1,"start":2773.6401,"end":2774.085},{"sentences":[{"text":"because that's funded through your super fund.","start":2780.54,"end":2782.72,"sentiment":"neutral","sentiment_score":-0.04599102905818394}],"sentiment":"neutral","sentiment_score":-0.04599102905818394,"channel":0,"num_words":7,"start":2780.54,"end":2782.72},{"sentences":[{"text":"That's about $1,300.","start":2783.525,"end":2785.4648,"sentiment":"neutral","sentiment_score":-0.03716274040440718},{"text":"Yep.","start":2785.525,"end":2786.025,"sentiment":"neutral","sentiment_score":0.02947544865310192}],"sentiment":"neutral","sentiment_score":-0.020503193140029907,"channel":1,"num_words":4,"start":2783.525,"end":2786.025},{"sentences":[{"text":"Yep.","start":2785.98,"end":2786.48,"sentiment":"neutral","sentiment_score":0.03264292702078819},{"text":"And then you've got your fees.","start":2786.54,"end":2787.9,"sentiment":"neutral","sentiment_score":0.0022706485663851104},{"text":"So what I can do post this conversation, because I do know that you're now are you are you still needing to run to that meeting, or did you want me to phone you back?","start":2787.9,"end":2796.7952,"sentiment":"neutral","sentiment_score":-0.00309762695272054}],"sentiment":"neutral","sentiment_score":-0.0014797648791933344,"channel":0,"num_words":42,"start":2785.98,"end":2796.7952},{"sentences":[{"text":"Yeah.","start":2798.02,"end":2798.1802,"sentiment":"neutral","sentiment_score":-0.015571136958897114},{"text":"We're still not fifteen minutes.","start":2798.1802,"end":2799.54,"sentiment":"neutral","sentiment_score":-0.03812945634126663},{"text":"Yep.","start":2799.54,"end":2800.005,"sentiment":"neutral","sentiment_score":-0.008358337916433811}],"sentiment":"neutral","sentiment_score":-0.030653822368809154,"channel":1,"num_words":7,"start":2798.02,"end":2800.005},{"sentences":[{"text":"Oh, okay.","start":2799.8152,"end":2800.375,"sentiment":"neutral","sentiment_score":-0.004215115215629339},{"text":"Sorry.","start":2800.375,"end":2800.695,"sentiment":"neutral","sentiment_score":-0.04314674437046051},{"text":"I thought you said 01:30.","start":2800.695,"end":2802.155,"sentiment":"neutral","sentiment_score":-0.048710902035236356}],"sentiment":"neutral","sentiment_score":-0.03689143562223762,"channel":0,"num_words":8,"start":2799.8152,"end":2802.155},{"sentences":[{"text":"So one","start":2803.045,"end":2803.525,"sentiment":"neutral","sentiment_score":-0.019062891602516174}],"sentiment":"neutral","sentiment_score":-0.019062891602516174,"channel":1,"num_words":2,"start":2803.045,"end":2803.525},{"sentences":[{"text":"Okay.","start":2803.495,"end":2803.995,"sentiment":"neutral","sentiment_score":-0.01895155757665634}],"sentiment":"neutral","sentiment_score":-0.01895155757665634,"channel":0,"num_words":1,"start":2803.495,"end":2803.995},{"sentences":[{"text":"thirty my time.","start":2803.525,"end":2804.505,"sentiment":"neutral","sentiment_score":-0.029072968910137813}],"sentiment":"neutral","sentiment_score":-0.029072968910137813,"channel":1,"num_words":3,"start":2803.525,"end":2804.505},{"sentences":[{"text":"Oh, yes.","start":2805.0151,"end":2805.735,"sentiment":"neutral","sentiment_score":0.0042707487009465694},{"text":"Of course.","start":2805.735,"end":2806.135,"sentiment":"neutral","sentiment_score":-0.0162155507132411},{"text":"Sorry.","start":2806.135,"end":2806.615,"sentiment":"neutral","sentiment_score":-0.06569516658782959},{"text":"My apologies.","start":2806.615,"end":2807.355,"sentiment":"neutral","sentiment_score":-0.11405771598219872},{"text":"I will send you an actual detailed breakdown of this","start":2809.61,"end":2813.31,"sentiment":"neutral","sentiment_score":0.03254295438528061}],"sentiment":"neutral","sentiment_score":0.00045466713388176523,"channel":0,"num_words":17,"start":2805.0151,"end":2813.31},{"sentences":[{"text":"Yeah.","start":2813.9248,"end":2814.42,"sentiment":"neutral","sentiment_score":0.07928603142499924}],"sentiment":"neutral","sentiment_score":0.07928603142499924,"channel":1,"num_words":1,"start":2813.9248,"end":2814.42},{"sentences":[{"text":"for you because it's the report itself is designed to give you an over haul, a high level view.","start":2814.9702,"end":2823.0151,"sentiment":"neutral","sentiment_score":0.11949708312749863},{"text":"Let me spend some time breaking it down for you in a little bit more detail so it's not confusing and across two different pages.","start":2823.235,"end":2830.915,"sentiment":"neutral","sentiment_score":0.11069686070084572},{"text":"I can just incorporate it into one email.","start":2830.915,"end":2833.4,"sentiment":"neutral","sentiment_score":0.17273390851914883},{"text":"Is that okay?","start":2834.42,"end":2835.4,"sentiment":"neutral","sentiment_score":0.12057692557573318}],"sentiment":"neutral","sentiment_score":0.1232994207604365,"channel":0,"num_words":55,"start":2814.9702,"end":2835.4},{"sentences":[{"text":"Yep.","start":2835.875,"end":2836.195,"sentiment":"neutral","sentiment_score":0.26308494806289673},{"text":"Sounds good.","start":2836.195,"end":2837.0151,"sentiment":"positive","sentiment_score":0.6047958135604858}],"sentiment":"positive","sentiment_score":0.4908921917279561,"channel":1,"num_words":3,"start":2835.875,"end":2837.0151},{"sentences":[{"text":"Yeah.","start":2837.46,"end":2837.96,"sentiment":"neutral","sentiment_score":0.22263795137405396},{"text":"Okay.","start":2839.94,"end":2840.3398,"sentiment":"neutral","sentiment_score":0.16006316244602203},{"text":"I'm just making a note for myself.","start":2840.3398,"end":2842.3599,"sentiment":"neutral","sentiment_score":0.13492684066295624},{"text":"Inbound first outgoing.","start":2845.38,"end":2846.8398,"sentiment":"neutral","sentiment_score":0.06975554674863815},{"text":"Okay.","start":2848.735,"end":2849.235,"sentiment":"positive","sentiment_score":0.3910687565803528}],"sentiment":"neutral","sentiment_score":0.14827110732977206,"channel":0,"num_words":13,"start":2837.46,"end":2849.235},{"sentences":[{"text":"Fantastic.","start":2849.455,"end":2849.955,"sentiment":"positive","sentiment_score":0.7109044194221497},{"text":"The Vanguard index chart is the next document there.","start":2852.655,"end":2856.835,"sentiment":"positive","sentiment_score":0.3592350019348992},{"text":"It is a visual tool that we like to share with our clients.","start":2857.135,"end":2861.78,"sentiment":"positive","sentiment_score":0.363859277505141},{"text":"So, again, I'll refer back to your high growth portfolio.","start":2861.84,"end":2864.98,"sentiment":"neutral","sentiment_score":0.14592062309384346},{"text":"That is where we would see 90% of your assets invested in a in the growth sector with 10% in your defensive.","start":2866.1602,"end":2876.34,"sentiment":"neutral","sentiment_score":0.15708154914054004}],"sentiment":"neutral","sentiment_score":0.24707618829878894,"channel":0,"num_words":55,"start":2849.455,"end":2876.34},{"sentences":[{"text":"So down the right hand side of this document, you'll see there's four assets listed at the top being US shares, Australian shares, international, and Australian listed property.","start":2877.335,"end":2889.035,"sentiment":"neutral","sentiment_score":0.09176753301705633},{"text":"They're","start":2889.895,"end":2890.135,"sentiment":"neutral","sentiment_score":0.10344018787145616}],"sentiment":"neutral","sentiment_score":0.09217003835686322,"channel":0,"num_words":29,"start":2877.335,"end":2890.135},{"sentences":[{"text":"Mhmm.","start":2889.935,"end":2890.38,"sentiment":"neutral","sentiment_score":0.09320375323295592}],"sentiment":"neutral","sentiment_score":0.09320375323295592,"channel":1,"num_words":1,"start":2889.935,"end":2890.38},{"sentences":[{"text":"your growth they're your growth assets where we would see approximately 90% of your funds typically invested in.","start":2890.135,"end":2897.0198,"sentiment":"neutral","sentiment_score":0.10474190281497107},{"text":"The remaining 10% would see in Australian bonds and cash being your defensive assets.","start":2897.7998,"end":2903.5,"sentiment":"neutral","sentiment_score":0.09360730115856443},{"text":"So over the long term, you would see that they don't experience significant growth, and they do experience less volatility, whereas your gross assets long term provide the growth for you.","start":2903.88,"end":2919.065,"sentiment":"neutral","sentiment_score":0.21375818718825618},{"text":"Also, an income component as well, that's where we like to confirm that you're comfortable with that that allocation to risk because you will experience market fluctuations and volatility.","start":2919.845,"end":2941.4648,"sentiment":"neutral","sentiment_score":0.16045025633326893}],"sentiment":"neutral","sentiment_score":0.15734149677597958,"channel":0,"num_words":92,"start":2890.135,"end":2941.4648},{"sentences":[{"text":"Yeah.","start":2941.385,"end":2941.71,"sentiment":"neutral","sentiment_score":0.12243479490280151}],"sentiment":"neutral","sentiment_score":0.12243479490280151,"channel":1,"num_words":1,"start":2941.385,"end":2941.71},{"sentences":[{"text":"In a high growth portfolio, we suggest a minimum time frame investment of eight years to be able to withstand more as an education tool to make sure clients are fully aware that the market you are going to, without a doubt, experience volatility.","start":2943.2048,"end":2972.925,"sentiment":"neutral","sentiment_score":0.11158204078674316},{"text":"That that's the one thing that I can categorically say hand on heart will happen.","start":2973.145,"end":2978.6199,"sentiment":"neutral","sentiment_score":0.22934431234995525}],"sentiment":"neutral","sentiment_score":0.14152160135366149,"channel":0,"num_words":59,"start":2943.2048,"end":2978.6199},{"sentences":[{"text":"Yep.","start":2979.58,"end":2979.975,"sentiment":"neutral","sentiment_score":0.10642533749341963}],"sentiment":"neutral","sentiment_score":0.10642533749341963,"channel":1,"num_words":1,"start":2979.58,"end":2979.975},{"sentences":[{"text":"You will also see that a lot of those volatility events coincide with world events.","start":2981.0798,"end":2990.035,"sentiment":"neutral","sentiment_score":-0.0005194800595442454},{"text":"You've got COVID as an as an example, the GFC, for example, that hit nearly every single market.","start":2990.335,"end":2999.7148,"sentiment":"neutral","sentiment_score":-0.01892434148531821},{"text":"And COVID, for example, is a is a great 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you are going to experience negative returns, and I just need to make sure that you are 100% comfortable with that because I I don't feel I I'm not sure that we're from the the negative returns you've experienced in the last twelve months, but I feel like we should spend some more time on how you can experience negative negative losses and ensure","start":3029.0452,"end":3075.825,"sentiment":"neutral","sentiment_score":-0.07958490550518035}],"sentiment":"neutral","sentiment_score":-0.08751096375610518,"channel":0,"num_words":115,"start":3021.605,"end":3075.825},{"sentences":[{"text":"I understand","start":3075.52,"end":3076.1602,"sentiment":"neutral","sentiment_score":-0.0987718254327774}],"sentiment":"neutral","sentiment_score":-0.0987718254327774,"channel":1,"num_words":2,"start":3075.52,"end":3076.1602},{"sentences":[{"text":"that 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let me let me cover off on these these two before that.","start":3112.1902,"end":3116.05,"sentiment":"neutral","sentiment_score":0.008901828899979591}],"sentiment":"neutral","sentiment_score":0.008901828899979591,"channel":0,"num_words":13,"start":3112.1902,"end":3116.05},{"sentences":[{"text":"Yep.","start":3116.635,"end":3117.135,"sentiment":"neutral","sentiment_score":0.06696979701519012}],"sentiment":"neutral","sentiment_score":0.06696979701519012,"channel":1,"num_words":1,"start":3116.635,"end":3117.135},{"sentences":[{"text":"Your TEL certificate of currency is it just outlines again to you what was on the first page that your policy's current in place and the cost of it.","start":3117.6301,"end":3128.255,"sentiment":"neutral","sentiment_score":0.05582453952781085},{"text":"The 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from Oakview Financial run through annual reviews with Rahul, who provides personal and financial information including his marital status, employment, income, and lifestyle. The agent explains savings and advises Rahul to ensure his assets are distributed correctly. The process of creating a will is discussed, including nominating a solicitor and sharing information with creditors. The speaker emphasizes the importance of diversification across different economies and sectors and promises to provide a breakdown of the financial report and fee disclosure."},"intents":{"segments":[{"text":"And may I please get you to confirm your full name, date of birth, and address, please? Yep.","start_word":53,"end_word":70,"intents":[{"intent":"Confirm identity","confidence_score":0.12106913},{"intent":"Confirm identity","confidence_score":0.080148116},{"intent":"Verify information","confidence_score":0.0026370746},{"intent":"Confirm name","confidence_score":0.030518502},{"intent":"Confirm date of birth","confidence_score":0.3680999},{"intent":"Confirm identity","confidence_score":0.49164864}]},{"text":"Thank you for confirming that. I appreciate that. The purpose of my call today is to run through your annual review that we have booked in. Do you still have time to complete that now? Yes, please.","start_word":82,"end_word":118,"intents":[{"intent":"Run annual review","confidence_score":0.058276217}]},{"text":"Do you still have time to complete that now?","start_word":108,"end_word":116,"intents":[{"intent":"Request time","confidence_score":0.0019799042}]},{"text":"Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion. Not that I'm aware of or I can't say anything changed. I mean, of course, I've changed my jobs, but financially, Sorry.","start_word":120,"end_word":174,"intents":[{"intent":"Suggest change","confidence_score":0.00009071814}]},{"text":"I do have that often, that feedback. So let me see if I can just turn the volume up. Is that a bit better?","start_word":193,"end_word":216,"intents":[{"intent":"Request feedback","confidence_score":0.006629395}]},{"text":"What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update. Is that okay? Yep.","start_word":234,"end_word":285,"intents":[{"intent":"Ask for information","confidence_score":0.00040173807},{"intent":"Update information","confidence_score":0.2963074}]},{"text":"But, I mean, I do get when I bought a tax return, I do get a a return, and and I will take take that as my saving as well. Okay.","start_word":645,"end_word":675,"intents":[{"intent":"Express interest in tax returns","confidence_score":0.00006075469}]},{"text":"Plus whatever I save during like, with each sort of pay cycle, that just goes into the savings account and stays there. So, Okay. yeah, I've never kept a formal track of that, but it's just that my savings have not gone down. They Okay.","start_word":675,"end_word":719,"intents":[{"intent":"Track savings and increase savings","confidence_score":0.00025085735}]},{"text":"I'm Probably grown by another 30 k, I reckon. Another 30?","start_word":768,"end_word":778,"intents":[{"intent":"Confirm age","confidence_score":0.0007714667}]},{"text":"I have two cars here listed at that being valued at 35,000. Would that be correct? Combined. Yeah. I think that's correct. Okay. And I've got three investment properties here. One at Oceana Drive, one at Alexandria Circuit, and one in South Morang. Are they still current? Yes.","start_word":785,"end_word":832,"intents":[{"intent":"Acknowledge property value","confidence_score":0.000039329032}]},{"text":"And I've got three investment properties here. One at Oceana Drive, one at Alexandria Circuit, and one in South Morang. Are they still current? Yes.","start_word":808,"end_word":832,"intents":[{"intent":"Verify current investment properties","confidence_score":0.0022826272}]},{"text":"And we've got your home here at Shearwater Drive valued at 800,000 with a debt attached of 267,000. Is that still correct?","start_word":928,"end_word":949,"intents":[{"intent":"Confirm debt location","confidence_score":0.003258448}]},{"text":"Do you know how much rent you get from each property? Yeah.","start_word":959,"end_word":970,"intents":[{"intent":"Ask about rental amount","confidence_score":0.0071546994}]},{"text":"And then Oceana Drive is $6.90 per week. Okay.","start_word":1013,"end_word":1021,"intents":[{"intent":"Confirm address","confidence_score":0.0025115828}]},{"text":"So just keep the information up to date for you. I just move on to quickly the health life health and lifestyle questions. Yep.","start_word":1039,"end_word":1062,"intents":[{"intent":"Provide information","confidence_score":0.3937173}]},{"text":"you please send me either a will kit, the information, or or what's the what's the best step to Yeah.","start_word":1130,"end_word":1149,"intents":[{"intent":"Request will kit","confidence_score":0.026716081}]},{"text":"what what I can do with that is definitely assist in getting you in contact with a lawyer who can get those established. Yeah.","start_word":1154,"end_word":1177,"intents":[{"intent":"Provide guidance","confidence_score":0.000056043544}]},{"text":"What we can do is I'm gonna send you a brochure for a professional partner that we do work with. Yeah.","start_word":1222,"end_word":1242,"intents":[{"intent":"Request brochure","confidence_score":0.014983082}]},{"text":"So That's I right. will I'll send you that brochure for you to have a read of. You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you. They can do that virtually and over the Yeah.","start_word":1317,"end_word":1371,"intents":[{"intent":"Provide brochure","confidence_score":0.2525032}]},{"text":"You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you.","start_word":1334,"end_word":1362,"intents":[{"intent":"Set up time","confidence_score":0.8565893}]},{"text":"So what happens is is you'll create Mhmm. a will. It doesn't necessarily get registered anywhere, but during the process, you'll nominate someone called an Mhmm. executor.","start_word":1436,"end_word":1462,"intents":[{"intent":"Nominate executor","confidence_score":0.0055270614}]},{"text":"you can always just say to your executor, reach out to x y zed if anything happens to me. So it's not registered. You should always make sure that somebody is aware of where you keep it, Yep. and that also the solicitors can keep it on file for Okay.","start_word":1526,"end_word":1575,"intents":[{"intent":"Provide executor instructions","confidence_score":0.011068415}]},{"text":"You should always make sure that somebody is aware of where you keep it, Yep. and that also the solicitors can keep it on file for Okay.","start_word":1549,"end_word":1575,"intents":[{"intent":"Ensure integrity of documents","confidence_score":0.00030249305}]},{"text":"So the executor is just responsible for making sure that the assets are distributed as per your will.","start_word":1596,"end_word":1613,"intents":[{"intent":"Verify will distribution","confidence_score":0.00008155079}]},{"text":"You can nominate the solicitors to be your executor. Uh-huh.","start_word":1800,"end_word":1809,"intents":[{"intent":"Nominate executor","confidence_score":0.06851058}]},{"text":"So just a hypothetical, if I were to if I want my entire estate to go to discretionary fund, Mhmm. my customer to discretionary fund, which holds it in I don't know how it works, but I'm assuming Yes. and hold the entire estate and plus any any expenses that needs to be take care of Yes.","start_word":1833,"end_word":1889,"intents":[{"intent":"Confirm ownership of estate","confidence_score":0.000014867819}]},{"text":"So what the solicitors will talk they will give you advice specifically Yep. in relation to this.","start_word":1982,"end_word":1998,"intents":[{"intent":"Provide advice and information","confidence_score":0.00013191711},{"intent":"Obtain advice on choosing firm","confidence_score":0.0000045081024}]},{"text":"And also, in terms of the superannuation beneficiary, my son's a minor. So if I name him as the beneficiary, like, how does that Yes. work?","start_word":2223,"end_word":2248,"intents":[{"intent":"Request information","confidence_score":0.0006819144}]},{"text":"one of the policy solicitors that I go with or the the one that you suggested, I end up setting up my will with them. And it's sitting with them, say for example, or I share it with someone, I don't know. It say it's sitting with them. If I was something were to happen to me, how would people know that they are supposed to be informed about what's happened to me?","start_word":2580,"end_word":2652,"intents":[{"intent":"Inform beneficiaries about will","confidence_score":0.010266254}]},{"text":"There's many ways, but upon this, your executor will be responsible to reach out and make sure that everything is distributed and actioned. So, typically, we'd get a copy of the will. Uh-huh.","start_word":2761,"end_word":2793,"intents":[{"intent":"Update will arrangements","confidence_score":0.000014870542}]},{"text":"It covers your performance in the funds in your super fund. And probably one of the things I do wanna highlight is the Benelon Australian Equities Fund within your portfolio, and I would like to look at reviewing and possibly rep and replacing. So with your approval, I'd like to look at that for you. Yep.","start_word":3830,"end_word":3885,"intents":[{"intent":"Update portfolio reviews","confidence_score":0.000005990132}]},{"text":"And do I do you reckon I should have income protection, like, as a, like, even reduced amount? But do you think I should have income protection at all?","start_word":4194,"end_word":4222,"intents":[{"intent":"Assess income protections","confidence_score":0.000052365376}]},{"text":"So in the event of this, what do you want all of your debt paid at, including the investment properties?","start_word":4523,"end_word":4542,"intents":[{"intent":"Discuss debt payment","confidence_score":0.023908723}]},{"text":"a manner that the properties are sort of self sustaining, Yes. as in, like, based on the income they generate, they sort of can sustain on that, then that would be the outcome I'm I'm looking for. Yes. Yep.","start_word":4739,"end_word":4777,"intents":[{"intent":"Ask about interest management","confidence_score":0.0000011625872}]},{"text":"I think once you have you have some more clarity on what your estate planning looks like Yep.","start_word":4800,"end_word":4817,"intents":[{"intent":"Inquire about estate planning","confidence_score":0.010126778}]},{"text":"The reason that that Bennelong has performed poorly is because their investment mandate states that they look at the Australian share market and companies that are undervalued and look for Mhmm. growth opportunities. Unfortunately, for them, the market did react in a different manner the last twelve months and favored banks and resources. Yep.","start_word":4940,"end_word":4993,"intents":[{"intent":"Resolve investment mandate deficiencies","confidence_score":0.0030640797}]},{"text":"So it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so.","start_word":5240,"end_word":5265,"intents":[{"intent":"Analyze share performance","confidence_score":0.005393719}]},{"text":"But you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%. Okay.","start_word":5658,"end_word":5683,"intents":[{"intent":"Retrieve data","confidence_score":0.000017896797}]},{"text":"You can have valuations in between. They're guesstimates or the the closest market appraisal you can get. So that's where the two differ a little bit in relation to valuation is you can see this today.","start_word":5980,"end_word":6015,"intents":[{"intent":"Assess portfolio valuation","confidence_score":0.00015595165}]},{"text":"I can just incorporate it into one email. Is that okay? Yep.","start_word":6288,"end_word":6299,"intents":[{"intent":"Streamline portfolio analysis","confidence_score":0.0030292554}]},{"text":"other thing that I'm looking at is the fee of on my account has grown from 1,600 to $3,700. And which document are we up to now?","start_word":6763,"end_word":6789,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.006791074}]},{"text":"What I might do instead of keeping you on the phone is confirm in the email that I'm gonna send you with everything else is confirm in an email in writing for you because I don't have access that I don't get given I I don't have access at hand to last year's fees.","start_word":6975,"end_word":7028,"intents":[{"intent":"Fix access issue","confidence_score":0.0012626998}]}]},"sentiments":{"segments":[{"text":"Hello? Hello. Is this Rahul? Yes. Speaking. This is Jenna from Oakview Financial. How are you today?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.09135229885578156},{"text":"Good. Thanks, Sonia. I'm well. Thank you.","start_word":17,"end_word":23,"sentiment":"positive","sentiment_score":0.5334293842315674},{"text":"Before I go any further, I just want to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine.","start_word":24,"end_word":51,"sentiment":"neutral","sentiment_score":0.09015602618455888},{"text":"Beautiful.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.5413815975189209},{"text":"And may I please get you to confirm your full name, date of birth, and address, please? Yep. Rachael Dan, 08/18/1981. It's Life Certificate Shearwater Drive, Mosa Lakes.","start_word":53,"end_word":80,"sentiment":"neutral","sentiment_score":0.0823175236582756},{"text":"Wonderful. Thank you for confirming that. I appreciate that.","start_word":81,"end_word":89,"sentiment":"positive","sentiment_score":0.6313942074775696},{"text":"The purpose of my call today is to run through your annual review that we have booked in. Do you still have time to complete that now? Yes, please. Okay. Probably how I would like to start, first of all, is just asking you if you've had any significant changes to your personal or financial situation that we should earmark for further discussion. Not that I'm aware of or I can't say anything changed. I mean, of course, I've changed my jobs, but financially, Sorry. my situation hasn't changed. Sorry. Can you please speak a little louder? I can barely hear you. Sorry. I do have that often, that feedback. So let me see if I can just turn the volume up. Is that a bit better? Probably show me a shade better. Only let's see. Is that better? Yes. Much better. Okay. Alright. What I'll do from here then is outside of the occupation and employment change, what I'll do, if it's okay with you, is I'll run through the information that we do have on file for you and see if there's any information that we do need to update. Is that okay? Yep. All good. Okay. We have your marital status as single. Is that correct? That's right. Yes. Yes. Okay. And we have your brother, Mehul. Is that how I say it? I'm sorry for any mispronunciation. That's alright, Mehul? Yeah. As your next of kin with his phone number ending in 312. Is that correct? Let me check. Save this number. Yep. That's the one.","start_word":90,"end_word":349,"sentiment":"neutral","sentiment_score":0.008129435085440772},{"text":"Thank you.","start_word":350,"end_word":351,"sentiment":"positive","sentiment_score":0.5709018111228943},{"text":"So, previously, we had your occupation down as an IT consultant. Is that still correct? Yes. And you were previously employed by Talent International that contracted you to Services Australia. Is that correct, or has that changed? That's right. That's changed. Okay. Who's your employer now? Healthcare Australia. Alright.","start_word":352,"end_word":400,"sentiment":"neutral","sentiment_score":0.03816419839859009},{"text":"Thank you for that.","start_word":401,"end_word":404,"sentiment":"positive","sentiment_score":0.45011183619499207},{"text":"And are you employed full time? Yeah. Full time. Yes. And your income, we had it at 257,250. I Yeah. That's dropped down because it's a it's a permanent role. Earlier, I was doing contracting. Now it's a permanent role. okay. So that dropped down to 180,000 One per annum, including super. 80. Including super. Yes. Okay. I would make a note of that. Do you have any additional EBA arrangements with your employer where you get additional superannuation or any financial restrictions on your your income? No. Just the standard No? super. Okay. Previously, we had here that you weren't sure of what your expenditure was per week for your living expenses or what your savings were per week. Do you have any idea of what those may be now? Look. I'm sure the the income is a bit lower than what it was before. Yes. But in terms of my expenses, I haven't seen like, I'm I'm able to make all the mortgage payments including all the top up that I have to do for investment property mortgages. Yes.","start_word":405,"end_word":585,"sentiment":"neutral","sentiment_score":-0.021370358765125275},{"text":"Yeah. I haven't haven't been struggling at all. I mean, I'm still saving healthy amount of money every year.","start_word":586,"end_word":604,"sentiment":"positive","sentiment_score":0.4738975465297699},{"text":"Okay. So yeah. How much how much do you estimate you save per week or per fortnight, whatever your frequency would be? I don't know if it's per week or fortnight. I have not kept a track of that.","start_word":605,"end_word":643,"sentiment":"neutral","sentiment_score":-0.040715400129556656},{"text":"But, I mean, I do get when I bought a tax return, I do get a a return, and and I will take take that as my saving as well. Okay. Plus whatever I save during like, with each sort of pay cycle, that just goes into the savings account and stays there.","start_word":644,"end_word":696,"sentiment":"positive","sentiment_score":0.45075923204422},{"text":"So, Okay. yeah, I've never kept a formal track of that, but it's just that my savings have not gone down. They Okay. would they would be increasing And if gradually. okay. So that that is that your offset account? That's right. Yeah. Yeah. What is the balance of your Ofsec account? We had it at 250,000. Sorry? We had it previously at 250,000. Is that still correct? Yeah. That's right. I'm Probably grown by another 30 k, I reckon. Another 30? Yep. So $2.80? Yep. Yep. Okay. I have two cars here listed at that being valued at 35,000. Would that be correct? Combined. Yeah. I think that's correct. Okay. And I've got three investment properties here. One at Oceana Drive, one at Alexandria Circuit, and one in South Morang. Are they still current? Yes. That's Okay. Any more investment properties or the fine. And I just have three? seen this in property. Okay. I have I just I'll run through quickly what we've got them listed as being Mhmm. valued at and the debt against them to make sure it's correct. So Oceania Drive, we have valued at 1,200,000 with a debt of 745,000. Yep. We've got eight Alexandria Circuit valued at 550,000 with a debt of 386,000, Yeah. and South Morang at 1,100,000 with a debt of $5,549,000. Are they all still correct? Yeah. That's incorrect. Yep. Okay. And we've got your home here at Shearwater Drive valued at 800,000 with a debt attached of 267,000. Is that still correct? I think that that's around 300,000. 300? Mhmm. Okay. Do you know how much rent you get from each property? Yeah. So I get about, I think, 500 from $1.06 Which one 9 would 6. That'd be the that that'd be the Alexander so Alexandra Circuit Circuit. was $6.90, did you say, or 5 Alexander Circuit is 500 hundred? per week. 500. Yes. And then Oceana Drive is $6.90 per week. Okay.","start_word":697,"end_word":1021,"sentiment":"neutral","sentiment_score":0.02791963408772762},{"text":"And Thank for Golden Road is, I think, $6.","start_word":1022,"end_word":1030,"sentiment":"positive","sentiment_score":0.4264971613883972},{"text":"45 per week.","start_word":1030,"end_word":1032,"sentiment":"neutral","sentiment_score":0.3127404451370239},{"text":"thank you for that. That helps. So just keep the information up to date for you.","start_word":1033,"end_word":1048,"sentiment":"positive","sentiment_score":0.5716805458068848},{"text":"I just move on to quickly the health life health and lifestyle questions. Yep. I have you down as a nonsmoker. Is that still correct? Yes. Yeah. Do you have any private health insurance? Yep. I have. Beautiful. Do you have any significant injuries or illnesses and or take any medication? No. No. And do you have a will or power of attorney? I don't have a will, but I definitely want to create one. So Okay. is there could Yep. you please send me either a will kit, the information, or or what's the what's the best step to Yeah. So get that done? what what I can do with that is definitely assist in getting you in contact with a lawyer who can get those established. Yeah. Now I note that you have one dependent. Is that a child? Yes. That's right. Yes. Yeah. What's their name? Riam, How do I spell that? r I, a a, m. Okay. And how old? He's eight years old. Yes. So a minor. Okay. What we can do is I'm gonna send you a brochure for a professional partner that we do work with. Yeah. Cost wise, there it's a very reasonable cost compared to some of the costs that I've seen out there. They will Mhmm. give you advice on creating your will. The best way to have things structured for your daughter should that sorry. I'm assuming that will be your beneficiary. Yeah. My son. Yeah. Your son. Sorry, son. Sorry. Yeah. And make sure it's all structured in a way that it's protected for him.","start_word":1049,"end_word":1315,"sentiment":"neutral","sentiment_score":0.04526165500283241},{"text":"Yes. So That's I right. will I'll send you that brochure for you to have a read of. You can then just reach out to them to set up a time, and they can do that in the same manner that we we do advice for you.","start_word":1316,"end_word":1362,"sentiment":"positive","sentiment_score":0.37702205777168274},{"text":"They can do that virtually and over the Yeah. Okay. So just to show I'm looking at the process, once the real is created, like, phone. does it have to get registered somewhere? So centrally, like, my superannuation, all the banks and everyone knows that this is my role so that it can be executed in a certain way? Or how do people know that this is what I have included? Yeah. Okay. So what happens is is you'll create Mhmm. a will. It doesn't necessarily get registered anywhere, but during the process, you'll nominate someone called an Mhmm. executor. So that person is responsible for administering your will, so making sure that your wishes are carried out. Typically, it would be someone that you trust, you know, will do the right thing, and you would always let them know where a copy of your will is. Your solicitor, the people that write it, will also hold a copy for you, and Mhmm. you can always just say to your executor, reach out to x y zed if anything happens to me. So it's not registered. You should always make sure that somebody is aware of where you keep it, Yep. and that also the solicitors can keep it on file for Okay. you. So that could Okay. be a next of kin or is there a sort of It's whoever you choose. So the executor is just responsible for making sure that the assets are distributed as per your will. So it could be your brother, for example, that you've got nominated as your next of kin. It could be a friend. It could even be a solicitor if you want it to be. It it'll be set up, and the the lawyers will talk you through what options you have in relation to that to make sure Yeah.","start_word":1363,"end_word":1672,"sentiment":"neutral","sentiment_score":0.12916986644268036},{"text":"that it it's set up the way that you feel comfortable.","start_word":1673,"end_word":1683,"sentiment":"positive","sentiment_score":0.43342000246047974},{"text":"Alright. So if it's a solicitor, then I'm assuming it's not the individual person, but it's the the firm that I can sort of choose. Right? Yeah. Yeah.","start_word":1684,"end_word":1711,"sentiment":"neutral","sentiment_score":0.02094644657336175},{"text":"You can you can work with anybody you like.","start_word":1712,"end_word":1720,"sentiment":"positive","sentiment_score":0.38104864954948425},{"text":"I'm just gonna Mhmm.","start_word":1721,"end_word":1724,"sentiment":"neutral","sentiment_score":0.2474887818098068},{"text":"send you a brochure of somebody that we work with that we do know provides great services at a great cost.","start_word":1725,"end_word":1745,"sentiment":"positive","sentiment_score":0.4504799246788025},{"text":"If you decide to go somewhere else, that is absolutely fine. It's just an No. information No. What I brochure mean to say, for like, is it the firm that I'm working with that will be responsible for making sure that the bill is executed correctly, or it'll be the person? you. Your choice. You can nominate the solicitors to be your executor. Uh-huh. It will come at a cost, or Yeah. you can nominate an individual within your circle to be the executor of your estate. So just a hypothetical, if I were to if I want my entire estate to go to discretionary fund, Mhmm. my customer to discretionary fund, which holds it in I don't know how it works, but I'm assuming Yes. and hold the entire estate and plus any any expenses that needs to be take care of Yes. Yes. Yes. until a certain age that I described. Until my son reaches a certain age, and then he becomes responsible for managing it. Yes. Yes. Yes. Yes. I do You have can a concern definitely do about due to his diagnosis and stuff, I do have a concern. And is it that. possible that I keep the discretionary component of it so that he is sort of protected and can't be taken advantage of even 100%. after becoming an adult, as in, like, after eighteen years. 100%. So, yes, that's correct. So what the solicitors will talk they will give you advice specifically Yep. in relation to this. Yep. What you're referring to is called a testamentary trust, and it's where it can you can nominate trustees. So they could be people, again, or a solicitor Yep. who will be responsible for making sure that that is protected and he is not taken advantage of. So, Okay. definitely, if that's something that's high on your radar at the moment, I will get that sent through to you because that's a common a common structure with minor children. Yep. But, again, you you mentioned you don't want him to be taken advantage of financially, so it's probably even more suitable that you discuss that with Yeah. the solicitor I think because as of his well. diagnosis, he'll always need that sort of a bit of a supervision even after he's turned 18 and come in adult. Yes. Of course. Yeah. Okay. I will get that sent across to you so you can make those have a rate of it and reach out and make those put get those arrangements in place because they are really important given that you've got a minor son that Yeah. your estate would pass to. Yep. And if those if those documents aren't in place, for example, the funds may end up being managed by somebody that you don't wish them to be managed by. Yep. Okay. Yep. And also, in terms of the superannuation beneficiary, my son's a minor. So if I name him as the beneficiary, like, how does that Yes. work? Yes. Can I name him first? Because he's still a minor. And if I Of do, course. does that still pass on to the the discretionary testamentary fund or the trust? Okay. Yes. So what we what we would do first and foremost is you have no beneficiary nomination on your super fund. So we're gonna look at not making a nomination. You Or can do that to your son in the meantime. What that means is we can request that if something happened to you, we could request that it be paid as a child pension. So it'd be just a regular income stream. But once you have your will and power of attorney established, depending on how the solicitors have set it up, they may say change your beneficiary in your in your super fund to your estate so it can be distributed to the trust to your son. So for the time being, I'd probably recommend you well, not recommend, but your options are limited at this point in nominating your son as your beneficiary on your super until your will is in place. Okay. Okay? Okay. Does that make sense? Once your will is in place, we can update it to your estate if that's what the solicitor says to make sure that they're not all distributed through the trust if that's what the advice is. Yep.","start_word":1746,"end_word":2479,"sentiment":"neutral","sentiment_score":0.01964538021657707},{"text":"Sounds good.","start_word":2480,"end_word":2481,"sentiment":"positive","sentiment_score":0.475707471370697},{"text":"And usually, how long does it take to get the bill and everything established? It doesn't take long. It would the the process would be solely dependent on the sharing of information. So if they needed certain information, how quickly you got it back to them, they'd be able to give you their time frames. But, typically, they're not a significant time consuming Yep. process. Yep. It it could I I suspect it would be done in a pretty quick turnaround. Okay. So just one more thing that I'm struggling with at the moment. So say Of course. one of the policy solicitors that I go with or the the one that you suggested, I end up setting up my will with them. And it's sitting with them, say for example, or I share it with someone, I don't know. It say it's sitting with them. If I was something were to happen to me, how would people know that they are supposed to be informed about what's happened to me? Mhmm. Typically, what will happen is upon somebody passing Yeah. away for I could just give an example, basically. Your brother may be going through your paperwork and see a reference to us or your superannuation. Uh-huh. Contact us. They'll contact a solicitor. Usually, what people do do is you get your will, your power of attorney, a list of assets or documents that are important and have them together in the one place. You can Yep. you can you can share a electronic copy of your will with your executor if you're concerned about and say, you know, it's with the solicitors. Here's their details. Yep. There's many ways, but upon this, your executor will be responsible to reach out and make sure that everything is distributed and actioned. So, typically, we'd get a copy of the will. Uh-huh. And a death certificate would then submit that to the superannuation funds and insurance companies. If relevant, arrange for those to get paid out to the estate or to the beneficiary, and we would work with your executor to make that Okay. happen. Yeah. So there's many different ways. And and, again, a lawyer would be able to give you probably some more, what, case Detail. study examples of Yep. what they say and details. So they might, for example, say we've had clients do this option and this option. Yep. So they'll be able to provide you a lot more guidance on what what how to share it and where to save it and those types Yeah. of details. Yep.","start_word":2482,"end_word":2913,"sentiment":"neutral","sentiment_score":0.030852623818511213},{"text":"Alright. Sounds good.","start_word":2914,"end_word":2916,"sentiment":"positive","sentiment_score":0.5065531134605408},{"text":"Okay. Any other questions about estate planning? I'll just make make sure that that goes off to you straight away after our meeting. Yep.","start_word":2917,"end_word":2940,"sentiment":"neutral","sentiment_score":0.24730512499809265},{"text":"I think that that was one of the things that I had on my mind that I'm going to sort out quickly. Okay. Lovely. So I've got a few goals and objectives here that from your last review, and I just wanna run through them with you to see if they're still relevant or if they've changed slightly to make sure that we're we've got them all up to date.","start_word":2941,"end_word":3010,"sentiment":"positive","sentiment_score":0.370429664850235},{"text":"Yep. Is that okay? Sure. I've got a 01:30 meeting, which so my time at Alright. the moment is 12:15. I still have Yep. a there Okay. is a time, but yeah. Sounds alright.","start_word":3011,"end_word":3044,"sentiment":"neutral","sentiment_score":0.09820983558893204},{"text":"What I might do is just for your superannuation, you said that your super is an added bonus for you in retirement. That's how you see it, that you wanna grow focus on gross within your super while you still have time.","start_word":3045,"end_word":3086,"sentiment":"positive","sentiment_score":0.4867382347583771},{"text":"Mhmm. Given that accessing Yeah. And I do wanna grow it Yes?","start_word":3087,"end_word":3098,"sentiment":"neutral","sentiment_score":0.15626299381256104},{"text":"quickly, and I want to stay in that high performing sort of zone Yes.","start_word":3099,"end_word":3112,"sentiment":"positive","sentiment_score":0.34530389308929443},{"text":"for So at least the another high ten years at least. yep. So that's your Yep. current risk profile now, high growth. So you're Yep. comfortable That's right. with maintaining that? Yes. So I'm I think I'm 44 or 45. So when when is the earliest I would be able to access Supra? No. '60. Based on today's legislation, it's '60. Yes. '60? Okay. So fifteen years. Yeah. That makes Yes. sense. Yes. Okay. So you're you're comfortable to still invest in that type of risk profile? Yes. That's right. Yeah. Okay. You and you understand it well with the time frame, the exposure to growth assets, the level of risk taken in that your portfolio. You under do you understand that, or would you like me I to run understand. through that? Yeah. Yep. Yep. I Okay. understand.","start_word":3113,"end_word":3251,"sentiment":"neutral","sentiment_score":0.02620861679315567},{"text":"Beautiful.","start_word":3252,"end_word":3252,"sentiment":"positive","sentiment_score":0.3543336093425751},{"text":"Also, I was looking at options to potentially move towards or considering if if I could I could look at managing it on my own. Is that something that is an option? That is entirely a a consideration for yourself. How would you look at managing it yourself? What would be your your approach? Is do you mean as in a self managed super fund or just taking care picking and choosing your own investment? I mean, with the property option gone from self managed super fund, what are Mhmm. the other options apart from apart from the experience stuff that I could go with? Yeah. Okay. So you'd be looking at at managing, like, choosing the investment options as yourself. Is that correct? Yeah. So is that is Yep. that the only option left at the moment? I mean, my preference was to possibly use superannuation to get another investment property. Mhmm. But with that goal being closed recently, what are the other options? Are you tied to investment property, or would be open to commercial property? Yeah. Open to commercial company, if it yeah. If if it makes sense. Or Yeah. Okay. So with the superannuation environment, the self managed super fund commercial property is still okay. yeah. What I would probably flag with you is that you're looking at your overall wealth, you're very heavily weighted overweighted in property. Mhmm. So that means diversification wise, should the property market plummet at any point during or approaching your retirement, Mhmm.","start_word":3253,"end_word":3504,"sentiment":"neutral","sentiment_score":-0.04068135854322463},{"text":"your retirement's gonna be significantly impacted.","start_word":3505,"end_word":3510,"sentiment":"negative","sentiment_score":-0.46142271161079407},{"text":"So I do have concerns in relation to the lack of diversification if you were to use your if you were Mhmm. to use your superannuation as well to go down a property path. Yep.","start_word":3511,"end_word":3545,"sentiment":"neutral","sentiment_score":-0.18046429753303528},{"text":"Your superannuation at the moment is offering you a bit of diversification because you've got access to some shares, both Australian and international and some fixed interest, which aren't tied to the property market.","start_word":3546,"end_word":3579,"sentiment":"positive","sentiment_score":0.34949982166290283},{"text":"Mhmm. So by investing further into more property, my my professional concern would be putting it simply. You're gonna have all your eggs in one basket. Mhmm. That's not to say that should you decide that that's best for you, that you shouldn't that you can't do it. Yeah. That's that's my take on the situation. So yeah. And that would be probably a decision that you would probably need to we can provide you with the information of what options are available to you. But I would say at the moment, what you have currently set up is better to help you diversify across the different Okay. sectors. And Does that make sense? stay inside. Yeah. I mean, it does. And Yes. if I were to even consider, say, another property, investment property, be it commercial, Mhmm. Yes. what what kind of amount I should have in my super for it to make sense? That, I would need to go and do some more research on for you so Mhmm. I can have a look at that. Okay.","start_word":3580,"end_word":3758,"sentiment":"neutral","sentiment_score":0.002100975951179862},{"text":"Fantastic.","start_word":3759,"end_word":3759,"sentiment":"positive","sentiment_score":0.5038083791732788},{"text":"That's one question I can come back to you with. I can't answer that right now, but I can definitely come back to you with that. Okay. What I will do is just quickly let you know that in your emails, you'll have an email from me that's called OdooSign. It's got your review pack in it. I we're definitely gonna run out of time to complete your review. Yep. It covers your performance in the funds in your super fund. And probably one of the things I do wanna highlight is the Benelon Australian Equities Fund within your portfolio, and I would like to look at reviewing and possibly rep and replacing.","start_word":3760,"end_word":3872,"sentiment":"neutral","sentiment_score":0.16712431398640692},{"text":"So with your approval, I'd like to look at that for you.","start_word":3873,"end_word":3884,"sentiment":"positive","sentiment_score":0.3528646230697632},{"text":"Yep. So That's the first one, the Benelong Australian Equities Fund. On the alright. second Let me just page? quickly open. Which email No. are you referring to? Sorry. I just sent you an email. It would come from. So it came from GeniU. Right? Yes. Yep. But it Says may you say have until o but this is for Cigna signing a document. Right? Yes. Correct. So if you open that up and click sign, it's gonna bring up a some documents. You're not signing anything now, so don't don't worry about that. Yeah. It's just gonna bring up the documents that I will quickly walk through with you. Mhmm. The first one is a summary of your super and insurance showing you Yep. what you have covered. Okay. The sec the second document is your perform a twelve month performance report with Hub. You'll note that the first one along the top, the Australian then along Australian Equities Fund has had a negative return. Alright. That's Just the one. going through the document now. Yes. So first is it's at the moment sitting at 218,000. Then Correct. the next is approximate benefit of life and TPD. And then income protection is 9.5. Yes. Do you think I need income protection? Yes. What I would do, though, is I'm going to have a look at your income protection sum insured. If your Yep. income has reduced, it may be that we reduce your income protection to make because there's no point you paying for a benefit Yeah. that you won't be paid for if you're on claim. So that that for me, when you mentioned that your income has reduced, that flagged for me that I would go and have a look at that. Okay. So that's one of the things I'll definitely look at for you. Alright. And do I do you reckon I should have income protection, like, as a, like, even reduced amount? But do you think I should have income protection at all? I mean, I work in IT. There's no sort of Absolutely. Absolutely would be my answer to that question because income protection covers you twenty four hours a day, seven days a week. So if you were injured outside of work, you're still covered. So how income protection works is that it will cover you for any injury or illness for your benefit period, which is five years, should you be able to not work. Okay. So due to that injury or illness. So if Yeah. that and why I say absolutely is is you have mortgages and expenses to meet. Yep. If you're unable to work, it it may be that you would have to sell investment properties, and that would probably work against the wealth plan that you're you're building. Yeah. Okay. Yep. Yep. So in short, And that definitely. is in addition to the life and I mean, life, of course, if I'm dead, then, of course, it doesn't come into Yes. play. But TPD Yes. so if it's, say, I'm I'm completely bedridden. I can't do anything. So that That's TPD comes into the play, but then income yes. protection will be on top of it. Right? Correct. Okay. Yep. Makes sense. Yes. Yep.","start_word":3885,"end_word":4430,"sentiment":"neutral","sentiment_score":-0.03335505133092185},{"text":"Absolutely correct. Got it nailed. Perfect.","start_word":4431,"end_word":4436,"sentiment":"positive","sentiment_score":0.5327267646789551},{"text":"Any other questions with No. It's just the amount. Do you reckon that amount that we are covering at the moment should still be that amount? Or that? I think I that think might be that the amount of my total salary that I'm getting at okay. the moment. Yeah. So I'll look at your income protection based on your income now. The Yep. way that the life and TPD sum insured is recommended or calculated is based on some questions that we ask the clients. So in the event of this, what do you want all of your debt paid at, including the investment properties? Do you want the investment properties to be sold and the the proceeds put aside for your son? Would you like them to be maintained and kept debt free? So that's the first level of questioning. And then the second is is did you want to leave questioning. And then Mhmm. the second is is did you want to leave funds available for your beneficiary? So it might be did you wanna leave funds aside for university or education, or do you believe that the estate itself would meet those expenses? Yeah. It's a time. Do the entire right off the entire debt, it will be significant amount of increase Yes. to that number. Because I think my total debt would be sitting somewhere around 2,000,000. So It is. Yes. yeah. So $450,000 is not gonna cover it, Correct. which does mean that if it if it comes to that, that one property needs to be sold because that definitely can cover the debt I have on my house. Yes. And That's correct. if it means that one of the property needs to be sold to cover Repay off the the debt debt. in such Yep. a manner that the properties are sort of self sustaining, Yes. as in, like, based on the income they generate, they sort of can sustain on that, then that would be the outcome I'm I'm looking for. Yes. Yep. I think at the I think probably until you it's a it's great cover to have in place for the time being. I think once you have you have some more clarity on what your estate planning looks like Yep. and what you talk through with the solicitor in relation to tax on benefits that may be payable to your beneficiary, your son, if any, Yeah. then we could probably have a more detailed conversation in what we need to do in relation to your insurances and work with the solicitor to make sure that they're in place. Yep. Yeah.","start_word":4437,"end_word":4877,"sentiment":"neutral","sentiment_score":0.03027051128024687},{"text":"Sounds good.","start_word":4878,"end_word":4879,"sentiment":"positive","sentiment_score":0.46282121539115906},{"text":"Okay. The next document across is a performance report. Now you'll note that in this this pack, you've got a twelve month and a six month report.","start_word":4880,"end_word":4906,"sentiment":"neutral","sentiment_score":-0.04128581782182058},{"text":"The very first investment option been along Australian Equities has had a negative return in the last twelve months. What we're doing with our clients at the moment is looking at suitable alternatives. The reason that that Bennelong has performed poorly is because their investment mandate states that they look at the Australian share market and companies that are undervalued and look for Mhmm.","start_word":4907,"end_word":4970,"sentiment":"negative","sentiment_score":-0.4725611805915833},{"text":"growth opportunities.","start_word":4971,"end_word":4972,"sentiment":"neutral","sentiment_score":-0.2970615029335022},{"text":"Unfortunately, for them, the market did react in a different manner the last twelve months and favored banks and resources.","start_word":4973,"end_word":4992,"sentiment":"negative","sentiment_score":-0.4759800136089325},{"text":"Yep. So we're looking at replacing that at the moment. So with your confirmation, I'd like to take the opportunity to review your portfolio, if that's okay. Yeah. Definitely. So if we take out from that, where else are we thinking of? At the moment, we're quite comfortable with the remainder of your policy. I will still be performing a full overview. It's more been along at the moment that we're looking at replacing. You have real you have a great exposure being your iShares S and P 500. That's your international portfolio. And your other core portfolio being the Benelong Australian Equities Fund, so your Australian share portfolio, which will be which will likely be replaced with an alternative. But outside of those, you've got a few different satellite funds that are in more niche, let's call it, sectors or so you've got your global cyber, robotics, and AI. You've got your global battery tech and lithium, which have all had great returns recently Yep. given the cost of the fuel crisis and, you know, global security with all the AI, and you would be well across that in your profession. And then you've also got the Asia and Europe exposure, giving you exposure to different economies.","start_word":4993,"end_word":5200,"sentiment":"neutral","sentiment_score":0.07634756714105606},{"text":"So at the moment, there's nothing there that raises any red flags for us except probably the Benelon, which is not necessarily a red flag.","start_word":5201,"end_word":5225,"sentiment":"negative","sentiment_score":-0.3415108621120453},{"text":"It's a sys it's an ongoing systemic return that we're looking at rectifying. So it's just reacted different their their mandate has reacted differently to how the Australian share market has performed in the last twelve months or so. So just so I read it correctly, the Bennelong one says the income made in the period is $14.46. Is it? Yeah. So that's the income, so the dividends of the shares. Okay. Yep.","start_word":5226,"end_word":5298,"sentiment":"neutral","sentiment_score":-0.10607832343610998},{"text":"The gross is that negative figure of 14,000. So that's the gross. It it was a negative gross figure. It lost value.","start_word":5299,"end_word":5320,"sentiment":"negative","sentiment_score":-0.4343666732311249},{"text":"Right. Okay. So initially, you we started off with 65,000 on it, and we ended up Because of the income during the period, yep. but the buys and sells. So the total earnings altogether was 13. So if you look over past the negative $14,000 figure, if you look Alright. over, your total earnings there, the 13,000 figure, that's net of fees, taxes, etcetera. So all the costs that are involved in the superannuation fund. So that negative 18.42% is net Right. of fees.","start_word":5321,"end_word":5404,"sentiment":"neutral","sentiment_score":-0.08809459209442139},{"text":"So what that what that means is that overall, your portfolio in the last twelve months did return a negative of 1.13, which in a high growth portfolio, we do expect to see in roughly one in every five years a negative return.","start_word":5405,"end_word":5447,"sentiment":"negative","sentiment_score":-0.3920917212963104},{"text":"So the total growth itself was negative, is it?","start_word":5448,"end_word":5456,"sentiment":"neutral","sentiment_score":-0.3164880573749542},{"text":"Not overall. No.","start_word":5457,"end_word":5459,"sentiment":"negative","sentiment_score":-0.35624951124191284},{"text":"Not overall. Just for the. Okay. So what is the overall number that we have sort of gone from and gone to? The overall total earnings. So the overall growth so if we look at if you go down to page two of that, can you see Yeah. the total portfolio? So if you look at the one that says income in period, it says $6,680.11. Yeah. And then the next two across, it says gross in period, negative $4,659.43. Yep. The difference in earnings is $2,020. So the Yep. total earnings were a positive, but then when you take away the fees being charged, so the investment management fees, Yeah.","start_word":5460,"end_word":5570,"sentiment":"neutral","sentiment_score":-0.08329419791698456},{"text":"the admin fees, and our adviser fee, it becomes a negative return.","start_word":5571,"end_word":5582,"sentiment":"negative","sentiment_score":-0.5282551050186157},{"text":"Yeah. Right. Yep. The next document, though, is designed to give you a little bit more relief. It's a six month performance period. So with Hub, so for the last six months, not the twelve, you'll see that the Bennelong is bouncing back the funds itself. We're still looking to replace. We're not confident maintaining the balance on Australian equity fund long term presently. So our Amanda, our philosophy is we're still looking to replace. But you will see that if you scroll to the second page, in the last six months, your overall returns have jumped up to 8.27%. Okay. So you're never gonna see that column all positive.","start_word":5583,"end_word":5692,"sentiment":"neutral","sentiment_score":0.02544527201151306},{"text":"It is very, very unlikely you're ever gonna see that column as being all positive returns.","start_word":5693,"end_word":5708,"sentiment":"negative","sentiment_score":-0.41624587774276733},{"text":"The reason being is the markets, the different economies, and the different sectors, they all react differently with each other, which is why we diversify across different economies, different companies and businesses and share markets. Because when one does react in a we'll just call it a negative question that's my concern I raised before in relation to in relation to property is that you're heavily skewed for property in your personal assets that it leaves little room for diversification. So your share port your superannuation portfolio does provide a little bit of diversification for So you. just trying to understand page two and page three. They both say it's from the same period. How are they different? No. They're Yeah. not the same period. So the first the first document, so the one with the negative return, is from the 09/16/2025 through Oh, twenty to the '25. fifteenth twenty through the 2026. Yeah. The six month one is from the 03/16/2026 through to the 09/15/2026. So it's a twelve month and six month report for Okay. So over a period of twelve months, I lost money. But over a period of six months last you. Yes. six Yeah. months, it they're sort of cloned Yeah. back a little bit. Significantly. Significantly. It's returning 8.27% in the last six months. And that's Yeah. that's how the share and that's how the market reacts. So a little bit different with property, you don't necessarily see live prices like this. The only time you Yeah. you see the live price of a property's value is when you sell it or buy it. Yeah. You can have valuations in between. They're guesstimates or the the closest market appraisal you can get. So that's where the two differ a little bit in relation to valuation is you can see this today. It's a long term investment like property.","start_word":5709,"end_word":6022,"sentiment":"neutral","sentiment_score":-0.07999409822699656},{"text":"So we would expect in the high growth portfolio that you're invested in and you did say that you're comfortable with is that at least in one in every five years, you will experience a negative return. So the thing that I'm struggling with is that the market value start of the period was 2,006 206.","start_word":6023,"end_word":6078,"sentiment":"negative","sentiment_score":-0.4048887193202973},{"text":"The deposit to the account were 26,000. And after that, the two the $2.32 actually ended up being 218,000.","start_word":6079,"end_word":6097,"sentiment":"neutral","sentiment_score":-0.3057907521724701},{"text":"So even after the deposits are coming from my employer, Mhmm.","start_word":6098,"end_word":6108,"sentiment":"negative","sentiment_score":-0.37078431248664856},{"text":"and even Mhmm.","start_word":6109,"end_word":6111,"sentiment":"neutral","sentiment_score":-0.3154321312904358},{"text":"if there was a zero growth or no growth whatsoever, if I were to cash it, it's basically eating up in my deposits.","start_word":6112,"end_word":6134,"sentiment":"negative","sentiment_score":-0.5701642632484436},{"text":"Not necessarily. No. That's not so those withdrawals so if you look at the withdrawals, Yeah. because that's funded through your super fund. That's about $1,300. Yep. Yep. And then you've got your fees. So what I can do post this conversation, because I do know that you're now are you are you still needing to run to that meeting, or did you want me to phone you back? Yeah. We're still not fifteen minutes. Yep. Oh, okay. Sorry. I thought you said 01:30. So one Okay. thirty my time. Oh, yes. Of course. Sorry. My apologies. I will send you an actual detailed breakdown of this Yeah. for you because it's the report itself is designed to give you an over haul, a high level view. Let me spend some time breaking it down for you in a little bit more detail so it's not confusing and across two different pages. I can just incorporate it into one email. Is that okay? Yep.","start_word":6135,"end_word":6298,"sentiment":"neutral","sentiment_score":0.0141955467860964},{"text":"Sounds good.","start_word":6299,"end_word":6300,"sentiment":"positive","sentiment_score":0.588735818862915},{"text":"Yeah. Okay. I'm just making a note for myself. Inbound first outgoing.","start_word":6301,"end_word":6312,"sentiment":"neutral","sentiment_score":0.12814396619796753},{"text":"Okay. Fantastic. The Vanguard index chart is the next document there. It is a visual tool that we like to share with our clients.","start_word":6313,"end_word":6336,"sentiment":"positive","sentiment_score":0.38349491357803345},{"text":"So, again, I'll refer back to your high growth portfolio. That is where we would see 90% of your assets invested in a in the growth sector with 10% in your defensive. So down the right hand side of this document, you'll see there's four assets listed at the top being US shares, Australian shares, international, and Australian listed property. They're Mhmm. your growth they're your growth assets where we would see approximately 90% of your funds typically invested in. The remaining 10% would see in Australian bonds and cash being your defensive assets. So over the long term, you would see that they don't experience significant growth, and they do experience less volatility, whereas your gross assets long term provide the growth for you. Also, an income component as well, that's where we like to confirm that you're comfortable with that that allocation to risk because you will experience market fluctuations and volatility. Yeah. In a high growth portfolio, we suggest a minimum time frame investment of eight years to be able to withstand more as an education tool to make sure clients are fully aware that the market you are going to, without a doubt, experience volatility. That that's the one thing that I can categorically say hand on heart will happen. Yep. You will also see that a lot of those volatility events coincide with world events. You've got COVID as an as an example, the GFC, for example, that hit nearly every single market. And COVID, for example, is a is a great example. You know, it it it significantly had a drop in the market that you'll note probably from your own experience as well. Property Australian property market prices soared. So when one market typically has an impact, another market typically has the opposite effect. So I I guess the reason why I'm spending a bit of time on this is that I do wanna just make sure that you are happy with the high growth portfolio and the volatility because you are going to experience negative returns, and I just need to make sure that you are 100% comfortable with that because I I don't feel I I'm not sure that we're from the the negative returns you've experienced in the last twelve months, but I feel like we should spend some more time on how you can experience negative negative losses and ensure I understand that you're that, comfortable. you know, there is a Yeah. negative loss that's in there. Yeah.","start_word":6337,"end_word":6755,"sentiment":"neutral","sentiment_score":0.029709604268711335},{"text":"No. Negative return in there.","start_word":6756,"end_word":6760,"sentiment":"negative","sentiment_score":-0.3629255890846253},{"text":"The Yeah. other thing that I'm looking at is the fee of on my account has grown from 1,600 to $3,700. And which document are we up to now? So I'm looking at the I'm looking at so I've gone past a bit I've gone past the certificate of Oh, currency. that's I've okay. gone past the Oh, you're at the very last document. yes. Yep. Okay. So Just let me let me cover off on these these two before that. Yep. Your TEL certificate of currency is it just outlines again to you what was on the first page that your policy's current in place and the cost of it. The next Yes. document is the financial services guide. So that what that document is is it tells you who we are, who we're licensed by that we're licensed by ASIC, the types of advice we can provide, and how we provide it along with if you're unhappy with any services provided, how you can make a complaint and the complaints process. Yep. The ongoing serve ongoing fee document, I am not let I'm gonna jump into Hub quickly and see what you've been charged in the past. My apologies because I don't have that at hand. Give me one second, please. What I might do instead of keeping you on the phone is confirm in the email that I'm gonna send you with everything else is confirm in an email in writing for you because I don't have access that I don't get given I I don't have access at hand to last year's fees. But Yep. if my if my system wants to play nice with me today and let me log in the first time instead of a couple of times that it made me do earlier this morning, I should be able to give you an answer. Sorry. It won't be a second. What I might do with you, if it's okay, is I'm having trouble with getting my computer to log in to Hub at the moment, is I might Mhmm. put that in an email for you as well. Is that okay? Yep.","start_word":6761,"end_word":7120,"sentiment":"neutral","sentiment_score":-0.010083488281816244},{"text":"Sounds good.","start_word":7121,"end_word":7122,"sentiment":"positive","sentiment_score":0.39705321192741394},{"text":"And yeah. Then that way I can just cross it off on all one one message for you. I'm still not getting in there. So no. Okay. I will get this to you this afternoon anyhow with a breakdown of all that information we've talked about. Just with the adviser service fees, when I do come back to you, if you're happy to proceed and remain a client of Oakview Financial, once you've had a chance to review the information that I'm gonna email to you, Yeah. you will need you will need to sign that. That fee there is per annum. What actually happens to it is is it's broken. It's divided by 12 and paid monthly. So it is not a and it's a fixed fee, whereas in the past, it was probably a percent based fee, and it fluctuated with the market. So this so we've moved our fee structure to your next annual review. I'll have a look at the details on the email. And Yeah. if Yep. I decide to move over there, I'll let you know in the email as well. Yeah. Of course. I'm trying still as we speak to get in logged in. So I will get this to you as soon as possible, and you can have a review of it. And if you have any questions, feel free to send an email back or or or phone back, and Mhmm. I can run through it with you over the phone before you sign any documents or make any further decisions.","start_word":7123,"end_word":7382,"sentiment":"neutral","sentiment_score":0.07736948189827111},{"text":"Alright. Sounds good.","start_word":7383,"end_word":7385,"sentiment":"positive","sentiment_score":0.43059587478637695},{"text":"If I were to decide to move away either from hub twenty four or from the current setup and and basically try and log in and manage this on my own. What does that look like? That, I will have to get an answer for you because I am not entirely sure how that process works, but I will Yep. definitely get that information And, also, I appreciate if you could please find out what the amount for income protection should be based on my current income that you should be covering all.","start_word":7386,"end_word":7478,"sentiment":"neutral","sentiment_score":0.0337904691696167},{"text":"I can give you that factual information based on your income that you gave me. That's no problem at all. Alright. Sounds good. Alright. Thanks for your time. I appreciate it. No worries. Enjoy Thank you your very much.","start_word":7479,"end_word":7517,"sentiment":"positive","sentiment_score":0.5469251871109009},{"text":"afternoon, and I'll email you shortly.","start_word":7518,"end_word":7523,"sentiment":"neutral","sentiment_score":0.30621352791786194},{"text":"Alright. Sounds good. Thank Okay. you.","start_word":7524,"end_word":7529,"sentiment":"positive","sentiment_score":0.476020485162735},{"text":"Bye. Bye. Bye.","start_word":7530,"end_word":7532,"sentiment":"neutral","sentiment_score":0.22072109580039975}],"average":{"sentiment":"neutral","sentiment_score":0.02363429345650938}}}}