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Is now still a good time there for you? Fantastic. Miss Hall, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there. Yep. Beautiful. Thank you so much. No worries. How has your day been so far? Oh, that's good. Nicole, we normally send through some documents to you via email to review with us as we are going through things. Are you able to access your email there at the moment at all? Yep. Fantastic. I'll just press send on this one there for you. If I can just get you to pop in there, it'll come through from overtime. That's the one. Yeah. Beautiful. Thank you. Excellent. Now when you open that... So this is... That's okay. So you click the button there so you can move through so you can review the documents. It will not let you sign anything or it won't ask you to sign anything until you've gone through and read them all. It's just so you can review the documents to begin with. Yeah. No. That's okay. I promise. It'll never let you find anything you haven't read. That's okay. When it goes through the first document, it should show you is a summary of your superannuation and insurances there or superannuation. Sorry. Beautiful. So having a look at that one there, your balance is sitting at $241,236.42 there. Yeah. When I have a look back at the same time, essentially, last year, the value of your super sitting there was about a $127,450.11. So I've had a really good increase over the last twelve months there, which is good. We definitely kind of wanna build on that for you. So I have been having a bit of look at your portfolio and looking at some area that we can look to make some changes for you to keep it working and growing and building. I did go back and have a bit of a look. I can sort of see over the past few years, there was a point when you came on board that your balance was at 100 k, and then it sort of dips down around 2022. And it has been sort of building back up until about 2024, which is when it kinda went back to where it was. And now we're essentially seeing a bit of growth and trying to build on that much higher four years. So it's good to see you're back over that mark. You've hit that hurdle, and now we've got that additional growth there. But we do wanna sort of try and build on that. And this year, we found that with the ups and downs and a lot of what's been happening globally in the market, there has been some ups and downs and volatility. This year is definitely where we're seeing lower rates of return. Your portfolio has still come out with a positive return after the past twelve months, which is great, but it is definitely lower than what we would like to see. I can certainly see some changes that I would like to look at making in your portfolio for you. Nicole, if you're able to go to the next document there for me, you've got your performance with internal rate of return. Yeah. So having a look at those investments, this is definitely one of the older portfolios there. I can definitely see that with the Benelong Australian concentrated equity fund, that one is underperforming pretty significantly this year. So I do wanna look for moving that out of portfolio for you. We'll look at replacing that one. I also have sort of noted with the China, the Bennett China, the second one from the bottom, that one again is quite down. It has been quite the... With the... Trying to think about how hostile still, there's still a lot of hostilities between the country. So we are finding China hasn't kinda come out and growing the way it was supposed to after COVID. It's not really seeing the gains that we are... Had been expecting or that economists have been expecting as well. So I would like to maybe look at removing that from your portfolio there for you as well. The other side of things I can see is that your portfolio is quite tech heavy. So if you first look at the second investment down, you've got cybersecurity. We've got battery and lithium tech. We've also got the Global X tech in there as well, and the S and P 500, which does also encompass some tech and AI and things like that. So you are very tech heavy, and that this year has been quite a lot of volatility, albeit those investments see it's still seeing the up. They are sort of... They have had a little bit of up and down this year and, you know, seeing some negative returns and not some great returns as well. So I would like to maybe look at switching some of those out, maybe reevaluating the portfolio and trying to divert you out a little bit more. Are you okay with that? Do you have any questions for me at the moment? That's that's okay. If you finally have questions, you're welcome to let me know. I do really enjoy this stuff. As you can probably tell, probably our happiest person in the world to talk about superannuation. But definitely just wanna make sure that, you know, where were they going with things? This is your hard earned money too, so we wanna make sure that it's looked after correctly and that's working towards your goal. Yeah. Yes. Not necessarily. Some of that money has been invested into that. It has made a little bit of a difference. That money going in is then reinvested into the portfolio That comes out with additional growth and income, which is compounded and reinvested back. So whilst, you know, whilst it doesn't feel like it does a great deal, it definitely does make a difference, and that difference will continue as it compounds. If you sort of think about, you know, putting that money in, it's getting a 5% return, it earns income. That money is reinvested back, and then it makes income, and it's reinvested back. And that, over a shorter period of time, has a lesser effect. But as that goes on, that's gonna have a much greater effect for you. So it definitely has made a difference in a positive sense, but I wanted to continue to make that difference for you and to grow even harder, if that makes sense. Yeah. Beautiful. The other thing I sort of wanted to double check with you, we have... Not not everyone has sort of an opinion on what they wanna see their funds invested in, but one of the things that I do like to kind of clarify is there are different ways to build portfolios, and we have access to so many different investment options to build the portfolio. Essentially, with the Benelong Australian Equities Investment, that was originally putting in a portfolio because it was an actively managed fund. So the Benelong investment manager was supposed to try and outperform against the market, trying to time the market and choose which investments to put in there. That was supposed to provide benefit within the fund. This year, they haven't really been able to do that. They have had the past years where, again, they've struggled, and I just wanna get rid of them now because it's not worth keeping them in there. But there are other active managers that, well, there's no guarantees they can outperform against the market every year. They can do so. To have an active investment manager in your portfolio, you do pay a little extra money for that. You do pay higher investment fees. So I could look to keep an active portfolio together for you, or I could look at lowering the cost of your portfolio, focus on something more passive. What would you prefer? Yeah. Look, active managers honestly don't always outperform against the market. There are plenty of them out there. As you can see, we've been along. It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well. So this is just time to remove that out. The other sort of option is having a passive portfolio, which is just, you know, assets that track the market. You still wanna have them allocated into a portfolio so that it's lowering risk and providing good returns. But a passive portfolio, when you think of the longer term, it can actually outperform and perform better than active managers because you're staying invested and and, yeah, compounding the returns and things like that. If... Yeah. No. That's okay. That's absolutely fine. Honestly, not a lot of people do understand the difference between the two, but you were... You definitely have been along the concentrated equities fund within that portfolio, and they are supposed to be trying to buy and sell and hide in the market and pick when to get in and out, and they just can't do that every year. And this investment has struggled to do that over the last couple of years as well. I... Honestly, if you would like to... What I would sort of really like to do is definitely look at trying to reduce some of the costs within your portfolio, look at the investment fees, try to reduce them where possible because that can make a difference long term for you as well. Probably looking at maybe removing that active management component and maybe having it in more of a passive portfolio, which can provide greater long term growth and can do better... Can provide better returns. Would you like me to look at something like that for you? Yeah. Beautiful. I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager. It is a passive portfolio. It might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone. That way we have a lot more control around what you're invested in. Does that sound like something you'd be open to? Yeah. Beautiful. Lovely. One of the things I do look at is capital gains. So a lot of people don't realize that just like you, your super fund actually does a tax return every year. Your super fund pays income tax and capital gains tax. When we are switching investments around, there are capital gains consequences. So your super fund does have to pay capital gains when we buy and sell off with investments. I do look at that as well. I'll look at that. I'll look at the past performance. I'll look at the fees and how it looks and try to minimize as much as possible. But I just wanted to find out what's more important to you. Is it about having us being able to maneuver the portfolio for you without having to call and go, hey. This is underperforming. Let's update the advice. Or are you kind of more concerned about the fee aspect? What's more important than a call? Having us manage it? Yes. Beautiful. Lovely. So the management side of things and being able to alter the portfolio where needed. Yep. Beautiful. I know it is a lot. Do you have any questions at the moment in relation to any of that? You are definitely welcome to let me know if you do. No. That's okay. You're absolutely fine. Beautiful. I've got a couple of really good ideas of what I'd like to do. I'll go back and complete the research there for you. Just the other thing to sort of look at here is with your super, you don't have any insurances held within the super fund. You've got into the life, PPD, income protection, trauma cover, things like that. Do you have any personal insurance that's part of super that you pay for? Or... No. That's okay. All good. You're comfortable with that. Did you wanna look or have a conversation around what personal insurances are, how they could, like, protect you, or you're happy just with the way it is? Oh, I'm so sorry to hear that. Oh, I can definitely see here with your beneficiaries that it's set up a 100% to each of your children. You're pretty happy with that? Yes. Beautiful. And just kinda updating your details here as well. I can see I put you down as self employed. Is that still correct? No. No. So you're employee now? So working PAYG? Yep. Beautiful. Lovely. That was the other thing. Because I could see with the contributions, there are now some contributions coming in from employers as well. So just wanted to double check how things were going for you. Yeah. Yeah. Yeah. No. Absolutely. It does. So I can definitely see that money going in. I know one of my colleagues had tried to give you a call and had emailed out about claiming a notice of intent. So we have about 2,600 for the last financial year that was put into the account. I can see here you have made mention you wanted to claim that notice of intent there. This... So that hasn't quite been done because it looks like there was a couple of extra amounts coming in. Now that that's all in there, did you want me to claim that notice of intent for you so you can claim that 2,600 as a tax deduction on your tax return? Yeah. Okay. Yeah. That's... No. That's absolutely fine. So I'm actually submitting that now for you while we're on the phone. I just need verbal approval to do so. I'm just gonna claim for the last line... Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. If you have a standing request, and because the calls are recorded, I've got that standing request. If you're happy to do so, essentially, in the July 1, we can just go in, see what you've got there, and we can just make a note that you wanna claim that every year. Not a problem at all. Yeah. Excellent. No. Yeah. Absolutely. And you don't even need to fill out a form anymore. We've have 24. They let us go in there and complete it for you. So I'm just doing it now. So I've just got ending June 2026. We have 2,600 made for the last financial year, and you're happy for me to claim the personal deduction... Personal deduction on the full 2,600, and I'll just press the fee. And that has all been done for you. It's now in progress for the last financial year. So in just a couple of days, I'll get the confirmation through, and I'll shoot it through to you via email. That way, you've got that there. How does that sound? Yeah. Beautiful. Not a problem at all. It's nice not having to fill out those forms. They were terrible forms to have to fill out. Absolutely. No. Excellent. So just double checking. So I've got down here that you've got your new employer there. Income wise, what do you expect to earn this financial year, do you think? No. That's okay. Yep. Okay. That's absolutely fine. You're absolutely fine. I can do that math for you. Not a problem at all. Just for the $1,800 per week, is that a growth on net? Net. No worries. Beautiful. And we've got $50 per week going in non concessional, which we'll keep, and I'll make a standing order that you wanna claim that each year in July. Easy. Same city made. Beautiful. With your assets and liabilities, I have down here. So I've got your main primary residence. I had a note there that that was the sale last year. Have you sold the big... The house that was your main primary residence? Yep. Yep. Okay. No worries. So I see... Having a look at the fact that from last year, I have one of you as your investment property last year, and then the one for sale must have been the other one, William. Yeah. Okay. And and so the the Williams Street address, you do have... No longer have anything to do with that property. Is that right? Or... Yes. Okay. I'll just delete that off the system here for you. Excellent. And we see the Bonny View property. What kind of value would you put on that at the moment? Oh, beautiful. Excellent. And mortgage on the property I had here owing about 750,000. Does that sound about right or a bit lower? Oh, beautiful. Much lower than what we had here. Love that. Look. With interest rate and surprising, that's not a bad thing. You put a bit of a lower loan to have to pay off. Yeah. Yeah. I've got down your vehicle here as well. What kind of car do you drive? Tucson. Beautiful. Excellent. And I had done here a rough valuation of 45,000. Would you value the car at that? Yep. Absolutely. And you own the vehicle outright with no debt? Beautiful. I also have down here there was an investment portfolio worth 5,000. Do you still happen to have that one at all, or is that still existing? No. That's okay. Have a look. Yeah. That's okay. Well, if you do get the statements, if you do need help with those, you're welcome to let us know. We're always here to help, and we can provide advice. Yeah. That's that's okay. That's honestly fine. Where I would probably start is your accountant. So on your myGov and... When your accountant does your tax return, if you have received any dividends and things like that that have been lodged through, like, a check registration, which is how Australian shares are registered. They often get automatically added to your myGov and your tax return. So on that, if you get the account to double check for you, if you have sort of received the dividends or have any of those records on your tax, they should be able to find out what the HIN or the HIN number is. If they can find out the name of the share that you have invested in, you can also then Google the share registry or where it's held or where it's noted. And from there, we can kind of find reports and information and things like that. But if you get stuck, you're welcome to let me know. I can help you to find things like that. But I would probably start with your account. Sorry. Yeah. Okay. Yeah. Yeah. I'm just sort of thinking the other thing could be, just sort of thinking where else they could be, because you do have to receive statements every so often, emails, and things like that. Have you received any emails or text junk mail to see if anything come through from any investment company? Nothing? Yes. Yeah. Well, if it's in your name, he can't sell anything because it's kinda gotta go to a bank account in the same name, and you normally have to, you know, make sure that that's all set up correctly. The other thing is just as a suggestion, and you're welcome to tell me to set up, but the other thing you could probably do is you could always just set up a really simple redirection. So any extra mail that turns... Goes towards that place is redirected to you, and that might catch anything hard copy that goes through just in case anything goes to the post that way. That's probably the only other option that I could probably think of. You're absolutely fine. Honestly, it's not a problem at all. But, generally, something will come up at some point. And if and when that does, feel free to let me know if you have any questions. I'm more than welcome to help help you. And if you you get stuck, I can always look for some other options on how to search or register search for registrations in your name and see what pops up there as well. Okay. Yeah. Yeah. Absolutely. I'll just leave it here at the moment as it was. I'll just say I'm sure for the time being for you. Yeah. Beautiful. Excellent. Okay. So just any other assets or liabilities that you think we should note down here for you at all? No. That's excellent. Fantastic. Now are you still doing any of your own work to the the cleaning business you had, or is that completely not happening anymore? Not happening. Yep. Yeah. No. That's okay. Not a problem at all. Beautiful. Other than that, it looks like we've got more things here. I can see here that you did have a will in place previously, that it was... It's says he outdated. Are you sort of in the process or have you updated the will since everything's changed for you? Yep. Beautiful. And they're doing, like, a power of attorney documents as well for you? Yeah. No. That's okay. Maybe just when you go see them, just double check if they are including power of attorney documents just so that, you know, if anything was to happen, if you are unable to make decisions for yourself, that you have nominated who you trust to make, whether it be financial or medical decisions on your behalf. That's all. Yeah. Yep. Beautiful. Yeah. And I've got Ella down here as your next best PIN on file. Is that still accurate and correct? Yes. Beautiful. Wonderful. Thank you so much for that. Now when I'm still going back and looking at the research for you on updating the advice and your portfolio for you, I do kind of project in the back end what we're tracking for with regard to retirement. So just sort of thinking forward, do you know what age you would really like to be able to stop working and retire and start accessing your super? It'd be it'd be great. Yep. Okay. Let me look. So ten, fifteen years. And your birthday is through the 11/19/1974. Year four, so you'll be 52 in November this year. So if we're looking at about fifteen odd years, it puts us a bit over the 65 mark there, which is absolutely fine. If you like, what I can do is when I sort of look... Because you are in your fifties, when I am updating advice, I do tend to project out for the next five to ten years. So I can have a look at where things are tracking over the next five to ten years, which brings us up to about age 62 currently just to give you a bit of an outlook on what we're tracking for currently with my recommendation update. Does that sound okay with you? Yep. Beautiful. Excellent. It's sort of when we're in our fifties looking to looking at when we can possibly start to retire and really kind of wanting to... You know, see the light at the end of the tunnel, so let's say. Beautiful. And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years? No. That's okay. Not not an easy thing to consider. Did you want me just to work on maybe an average income realistically at the... Yes. That's okay. An average income at the moment under the ASSA regulations is around about sort of 70 to 75,000 for a comfortable retirement for a person. So are you happy with me just working on that to see where that tracks for for you? And then as you get closer, we can always update that. Yes. Beautiful. Excellent. I'll just pop that in there for you. Lovely. And you said that you're happy not having any insurances or anything like that. Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your retirement? Yep. Beautiful. Fantastic. Do you have any other goals that you're looking to achieve over the next couple of years at all? No. That's okay. Just building super and trying to get to retirement, enjoy yourself. Excellent. Beautiful. Now with your portfolio, we do have you in more of a high growth portfolio. So generally, that sees about 90% of your super investing growth assets. So thinking about things like Australian shares, international shares, listed property, and also commodities. Then we also generally see about 10 in lower risk sensitive investments, things like cash, bonds, and fixed interest. A high growth portfolio generally suits someone who has at least eight years before they're accessing a super. It suits an investor who is really wanting a lot more growth, can tolerate the ups and downs for market fees. And as your super builds and grows, smaller changes in the market actually have a bigger effect. If you think about someone who has, say, a $50,000 portfolio, and they see maybe a 5% change or 5% growth or a 5% dip, it's essentially a much smaller difference to someone who has that same 5% on $500,000 invested. Do you feel like at the moment you'd be comfortable staying in that high growth environment? Do you want me to maybe reevaluate that that reducing your risk level? How do you feel about that? Yes. That's okay. That's absolutely fine. With the high growth kind of environment, you'd... We're generally... When we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return. We do know that with the ups and downs the market can provide, the likelihood of a negative return is around about one in every five years. So you still have that time horizon ahead of you as long as you're comfortable with the volatility that your portfolio can see. And I'm here to sort of talk you through it so you can, you know, catch up more regularly to look at how things are progressing and make changes as need be. But you're still fairly comfortable with that. Did you wanna go through the profile questionnaire and maybe look at altering or checking on that? Are you still fairly comfortable with it? Yep. Not a problem at all. I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel? Do you think you'd be going, hey. This could be a buying opportunity. Let's put some money in. Are you probably maybe calling us and saying, what were you suggesting you're a little bit concerned, or are you really feeling very anxious about it and wanting to move your money into cash? How do you think you might feel? See what we say. Yep. No. That's okay. That's yeah. No. Look. That's perfectly fine. It's a really good answer. And what I kinda wanna make sure we do moving forward is have those catch ups with you. So maybe once every six months in between the annual review. We just check-in to see how things are going for you. Are there any changes, give you a bit of an update on your paper, and that way you get a little bit more contact, and we can make changes more regularly if we need to. Does that sound preferable to you? Yep. Beautiful. Fantastic. Now the last couple of documents we do have in the annual review pack there are the Vanguard index chart. It just shows you how markets move up and down and why we invest the way we do. It's about showing that to get good returns, we do take on a little bit of risk. We have to take a certain amount of risk to get the returns thereafter. However, as you get closer to accessing super, you're gonna probably feel a little bit more risk averse. So there'll be a point when we start maybe reducing the risk level a little bit for you. But this sort of shows you how markets react. They are always up and down, but over the longer term, we tend to see really good market reactions out of our growth assets. That's why we are generally comfortable taking the amount of risk. That is the next document along. I know it's a lot to look at, but do you have any questions about any of that on that document? Did you want me to break it down a little bit more for you? Or... No. That's okay. The next one in there is the OCE Financial Services Guide. It outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me in there for you and my licensing information as a licensed adviser for you there as well. The document after that is the ongoing service agreement for the next twelve months there. And, of course, if you're happy to stay on board, we do get you to sign and return this one back for us. Essentially, with our ongoing service fee, it is a percentage based fee effective. It has changed a little bit in the last couple of years. Our ongoing service fee is now calculated based on an amount of funds that we manage for you. We use a tiered structure now. So different fees and rates apply to the different level of funds under management. Essentially, where the... Once applicable fee has been calculated, set at 1.65%. We now have it as a peer structure. So when your balance hits 200,000, the amount over 200,000 is calculated at the lower tier of 1.375. And then when your super balance hits that $500,000 mark, the amount over that is calculated 1.50. So, essentially, as your due balance increases, the amount we calculate your ongoing service fee at, it starts to decrease through the tiers a little bit like the tax system. It kinda decreases through the tiers a little bit. So it's providing more of an advantage for you. It's also about making sure you understand a little bit more visibility on how much you'll pay. So we used to tell you it was 1.65%, and that the estimated fee based on this amount was how much to pay. We now calculate that fee as a set dollar figure fee, so you'll never pay more than what is on that document for you each year. If you get, you know, a 20% return over and above that, it doesn't then factor into the ongoing severities for that year. So it's just about making sure you've got more visibility, but also making sure it's a little bit fairer. I mean, we wanna, you know, make sure as your balance grows that while we're able to, you know, make the money from looking after everything that you're making that you're getting benefits from that and reducing our fees as your balance gets bigger does have... Helps you to have a bigger impact and keep more money invested to you longer term. Does that make sense? Do you have any questions? Beautiful. Beautiful. So this document shows this year, it'll be $4,060.35. Nothing over that. You're welcome to have a read through the documents. If you find you have any questions, let me know. The last document attached is the tax file opt in form. So we do hold your tax phone number, but we just wanna update all of our records to make sure you're aware that we hold your tax phone number and how and why we do so. This is an opt in form, and we just get you to sign and return that back with the ongoing service agreement there. Do you have any questions in relation to any of those documents or anything else that I've gone through at all? No. Beautiful. Basically, just to kind of recap, I'm gonna go back and have a look at your supervisor portfolio. You'll have to stay in that high growth environment a little bit longer. I'll look at reducing fees where possible within the portfolio for you, and I'll also look at the estimated product we have to see if that can provide benefits so that we can kind of make changes as needed without having to, you know, continuously provide advice to you. Does that sound accurate? Have I missed anything? Is there anything else you think you would like me to look at for you? Yeah. Beautiful. Lovely. Well, you're welcome to take some time to review the documents there, Nicole. Once you have, we'll just ask you to sign each of those and return them back just so we can get the advice updated for you and provide everything and keep working hard for you. All good. Beautiful. Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you. It generally takes me about four to five weeks to put everything together and do the research. Is there a day or time that normally suits you better? Yeah. Absolutely. So if I pop it in maybe for, say, three... I do 03:00 on Thursday, the twenty ninth. Would that be okay? Yep. Beautiful. I'll pop that one in there for 03:00 there for you. I'll send a text message reminder because it is a couple of weeks away, but the text message will just let you know that we're calling. If anything comes up and that time doesn't work for you, you're welcome to let me know. But I'll have the advice ready to go then for you, and I'll do the research about updating your portfolio. Okay? Oh, lovely. Thank you so much for your time, Nicole. It's been a pleasure. I look forward to putting this together for you. If you find anything comes up, you need any assistance, or have any questions, please let me know. If not, I'll talk to you on the twenty ninth. Oh, thank you so much for taking my call. I hope you have a lovely afternoon and a great weekend ahead. Thanks, Nicole. Talk to you soon. See you later. 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Nicole. This is Dana from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nI just had to book in today to go through your annual review. Is now still a good time there for you? Fantastic. Miss Hall, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nFantastic. And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there. Yep. Beautiful. Thank you so much.\n\nNo worries. How has your day been so far? Oh, that's good. Nicole, we normally send through some documents to you via email to review with us as we are going through things. Are you able to access your email there at the moment at all?\n\nYep. Fantastic. I'll just press send on this one there for you. If I can just get you to pop in there, it'll come through from overtime. That's the one.\n\nYeah. Beautiful. Thank you. Excellent. Now when you open that...\n\nSo this is... That's okay. So you click the button there so you can move through so you can review the documents. It will not let you sign anything or it won't ask you to sign anything until you've gone through and read them all. It's just so you can review the documents to begin with.\n\nYeah. No. That's okay. I promise. It'll never let you find anything you haven't read.\n\nThat's okay. When it goes through the first document, it should show you is a summary of your superannuation and insurances there or superannuation. Sorry. Beautiful. So having a look at that one there, your balance is sitting at $241,236.42 there.\n\nYeah. When I have a look back at the same time, essentially, last year, the value of your super sitting there was about a $127,450.11. So I've had a really good increase over the last twelve months there, which is good. We definitely kind of wanna build on that for you. So I have been having a bit of look at your portfolio and looking at some area that we can look to make some changes for you to keep it working and growing and building.\n\nI did go back and have a bit of a look. I can sort of see over the past few years, there was a point when you came on board that your balance was at 100 k, and then it sort of dips down around 2022. And it has been sort of building back up until about 2024, which is when it kinda went back to where it was. And now we're essentially seeing a bit of growth and trying to build on that much higher four years. So it's good to see you're back over that mark.\n\nYou've hit that hurdle, and now we've got that additional growth there. But we do wanna sort of try and build on that. And this year, we found that with the ups and downs and a lot of what's been happening globally in the market, there has been some ups and downs and volatility. This year is definitely where we're seeing lower rates of return. Your portfolio has still come out with a positive return after the past twelve months, which is great, but it is definitely lower than what we would like to see.\n\nI can certainly see some changes that I would like to look at making in your portfolio for you. Nicole, if you're able to go to the next document there for me, you've got your performance with internal rate of return. Yeah. So having a look at those investments, this is definitely one of the older portfolios there. I can definitely see that with the Benelong Australian concentrated equity fund, that one is underperforming pretty significantly this year.\n\nSo I do wanna look for moving that out of portfolio for you. We'll look at replacing that one. I also have sort of noted with the China, the Bennett China, the second one from the bottom, that one again is quite down. It has been quite the... With the...\n\nTrying to think about how hostile still, there's still a lot of hostilities between the country. So we are finding China hasn't kinda come out and growing the way it was supposed to after COVID. It's not really seeing the gains that we are... Had been expecting or that economists have been expecting as well. So I would like to maybe look at removing that from your portfolio there for you as well.\n\nThe other side of things I can see is that your portfolio is quite tech heavy. So if you first look at the second investment down, you've got cybersecurity. We've got battery and lithium tech. We've also got the Global X tech in there as well, and the S and P 500, which does also encompass some tech and AI and things like that. So you are very tech heavy, and that this year has been quite a lot of volatility, albeit those investments see it's still seeing the up.\n\nThey are sort of... They have had a little bit of up and down this year and, you know, seeing some negative returns and not some great returns as well. So I would like to maybe look at switching some of those out, maybe reevaluating the portfolio and trying to divert you out a little bit more. Are you okay with that? Do you have any questions for me at the moment?\n\nThat's that's okay. If you finally have questions, you're welcome to let me know. I do really enjoy this stuff. As you can probably tell, probably our happiest person in the world to talk about superannuation. But definitely just wanna make sure that, you know, where were they going with things?\n\nThis is your hard earned money too, so we wanna make sure that it's looked after correctly and that's working towards your goal. Yeah. Yes. Not necessarily. Some of that money has been invested into that.\n\nIt has made a little bit of a difference. That money going in is then reinvested into the portfolio That comes out with additional growth and income, which is compounded and reinvested back. So whilst, you know, whilst it doesn't feel like it does a great deal, it definitely does make a difference, and that difference will continue as it compounds. If you sort of think about, you know, putting that money in, it's getting a 5% return, it earns income. That money is reinvested back, and then it makes income, and it's reinvested back.\n\nAnd that, over a shorter period of time, has a lesser effect. But as that goes on, that's gonna have a much greater effect for you. So it definitely has made a difference in a positive sense, but I wanted to continue to make that difference for you and to grow even harder, if that makes sense. Yeah. Beautiful.\n\nThe other thing I sort of wanted to double check with you, we have... Not not everyone has sort of an opinion on what they wanna see their funds invested in, but one of the things that I do like to kind of clarify is there are different ways to build portfolios, and we have access to so many different investment options to build the portfolio. Essentially, with the Benelong Australian Equities Investment, that was originally putting in a portfolio because it was an actively managed fund. So the Benelong investment manager was supposed to try and outperform against the market, trying to time the market and choose which investments to put in there. That was supposed to provide benefit within the fund.\n\nThis year, they haven't really been able to do that. They have had the past years where, again, they've struggled, and I just wanna get rid of them now because it's not worth keeping them in there. But there are other active managers that, well, there's no guarantees they can outperform against the market every year. They can do so. To have an active investment manager in your portfolio, you do pay a little extra money for that.\n\nYou do pay higher investment fees. So I could look to keep an active portfolio together for you, or I could look at lowering the cost of your portfolio, focus on something more passive. What would you prefer? Yeah. Look, active managers honestly don't always outperform against the market.\n\nThere are plenty of them out there. As you can see, we've been along. It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well. So this is just time to remove that out. The other sort of option is having a passive portfolio, which is just, you know, assets that track the market.\n\nYou still wanna have them allocated into a portfolio so that it's lowering risk and providing good returns. But a passive portfolio, when you think of the longer term, it can actually outperform and perform better than active managers because you're staying invested and and, yeah, compounding the returns and things like that. If... Yeah. No.\n\nThat's okay. That's absolutely fine. Honestly, not a lot of people do understand the difference between the two, but you were... You definitely have been along the concentrated equities fund within that portfolio, and they are supposed to be trying to buy and sell and hide in the market and pick when to get in and out, and they just can't do that every year. And this investment has struggled to do that over the last couple of years as well.\n\nI... Honestly, if you would like to... What I would sort of really like to do is definitely look at trying to reduce some of the costs within your portfolio, look at the investment fees, try to reduce them where possible because that can make a difference long term for you as well. Probably looking at maybe removing that active management component and maybe having it in more of a passive portfolio, which can provide greater long term growth and can do better... Can provide better returns.\n\nWould you like me to look at something like that for you? Yeah. Beautiful. I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager. It is a passive portfolio.\n\nIt might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone. That way we have a lot more control around what you're invested in. Does that sound like something you'd be open to? Yeah. Beautiful.\n\nLovely. One of the things I do look at is capital gains. So a lot of people don't realize that just like you, your super fund actually does a tax return every year. Your super fund pays income tax and capital gains tax. When we are switching investments around, there are capital gains consequences.\n\nSo your super fund does have to pay capital gains when we buy and sell off with investments. I do look at that as well. I'll look at that. I'll look at the past performance. I'll look at the fees and how it looks and try to minimize as much as possible.\n\nBut I just wanted to find out what's more important to you. Is it about having us being able to maneuver the portfolio for you without having to call and go, hey. This is underperforming. Let's update the advice. Or are you kind of more concerned about the fee aspect?\n\nWhat's more important than a call? Having us manage it? Yes. Beautiful. Lovely.\n\nSo the management side of things and being able to alter the portfolio where needed. Yep. Beautiful. I know it is a lot. Do you have any questions at the moment in relation to any of that?\n\nYou are definitely welcome to let me know if you do. No. That's okay. You're absolutely fine. Beautiful.\n\nI've got a couple of really good ideas of what I'd like to do. I'll go back and complete the research there for you. Just the other thing to sort of look at here is with your super, you don't have any insurances held within the super fund. You've got into the life, PPD, income protection, trauma cover, things like that. Do you have any personal insurance that's part of super that you pay for?\n\nOr... No. That's okay. All good. You're comfortable with that.\n\nDid you wanna look or have a conversation around what personal insurances are, how they could, like, protect you, or you're happy just with the way it is? Oh, I'm so sorry to hear that. Oh, I can definitely see here with your beneficiaries that it's set up a 100% to each of your children. You're pretty happy with that? Yes.\n\nBeautiful. And just kinda updating your details here as well. I can see I put you down as self employed. Is that still correct? No.\n\nNo. So you're employee now? So working PAYG? Yep. Beautiful.\n\nLovely. That was the other thing. Because I could see with the contributions, there are now some contributions coming in from employers as well. So just wanted to double check how things were going for you. Yeah.\n\nYeah. Yeah. No. Absolutely. It does.\n\nSo I can definitely see that money going in. I know one of my colleagues had tried to give you a call and had emailed out about claiming a notice of intent. So we have about 2,600 for the last financial year that was put into the account. I can see here you have made mention you wanted to claim that notice of intent there. This...\n\nSo that hasn't quite been done because it looks like there was a couple of extra amounts coming in. Now that that's all in there, did you want me to claim that notice of intent for you so you can claim that 2,600 as a tax deduction on your tax return? Yeah. Okay. Yeah.\n\nThat's... No. That's absolutely fine. So I'm actually submitting that now for you while we're on the phone. I just need verbal approval to do so.\n\nI'm just gonna claim for the last line... Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. If you have a standing request, and because the calls are recorded, I've got that standing request. If you're happy to do so, essentially, in the July 1, we can just go in, see what you've got there, and we can just make a note that you wanna claim that every year. Not a problem at all.\n\nYeah. Excellent. No. Yeah. Absolutely.\n\nAnd you don't even need to fill out a form anymore. We've have 24. They let us go in there and complete it for you. So I'm just doing it now. So I've just got ending June 2026.\n\nWe have 2,600 made for the last financial year, and you're happy for me to claim the personal deduction... Personal deduction on the full 2,600, and I'll just press the fee. And that has all been done for you. It's now in progress for the last financial year. So in just a couple of days, I'll get the confirmation through, and I'll shoot it through to you via email.\n\nThat way, you've got that there. How does that sound? Yeah. Beautiful. Not a problem at all.\n\nIt's nice not having to fill out those forms. They were terrible forms to have to fill out. Absolutely. No. Excellent.\n\nSo just double checking. So I've got down here that you've got your new employer there. Income wise, what do you expect to earn this financial year, do you think? No. That's okay.\n\nYep. Okay. That's absolutely fine. You're absolutely fine. I can do that math for you.\n\nNot a problem at all. Just for the $1,800 per week, is that a growth on net? Net. No worries. Beautiful.\n\nAnd we've got $50 per week going in non concessional, which we'll keep, and I'll make a standing order that you wanna claim that each year in July. Easy. Same city made. Beautiful. With your assets and liabilities, I have down here.\n\nSo I've got your main primary residence. I had a note there that that was the sale last year. Have you sold the big... The house that was your main primary residence? Yep.\n\nYep. Okay. No worries. So I see... Having a look at the fact that from last year, I have one of you as your investment property last year, and then the one for sale must have been the other one, William.\n\nYeah. Okay. And and so the the Williams Street address, you do have... No longer have anything to do with that property. Is that right?\n\nOr... Yes. Okay. I'll just delete that off the system here for you. Excellent.\n\nAnd we see the Bonny View property. What kind of value would you put on that at the moment? Oh, beautiful. Excellent. And mortgage on the property I had here owing about 750,000.\n\nDoes that sound about right or a bit lower? Oh, beautiful. Much lower than what we had here. Love that. Look.\n\nWith interest rate and surprising, that's not a bad thing. You put a bit of a lower loan to have to pay off. Yeah. Yeah. I've got down your vehicle here as well.\n\nWhat kind of car do you drive? Tucson. Beautiful. Excellent. And I had done here a rough valuation of 45,000.\n\nWould you value the car at that? Yep. Absolutely. And you own the vehicle outright with no debt? Beautiful.\n\nI also have down here there was an investment portfolio worth 5,000. Do you still happen to have that one at all, or is that still existing? No. That's okay. Have a look.\n\nYeah. That's okay. Well, if you do get the statements, if you do need help with those, you're welcome to let us know. We're always here to help, and we can provide advice. Yeah.\n\nThat's that's okay. That's honestly fine. Where I would probably start is your accountant. So on your myGov and... When your accountant does your tax return, if you have received any dividends and things like that that have been lodged through, like, a check registration, which is how Australian shares are registered.\n\nThey often get automatically added to your myGov and your tax return. So on that, if you get the account to double check for you, if you have sort of received the dividends or have any of those records on your tax, they should be able to find out what the HIN or the HIN number is. If they can find out the name of the share that you have invested in, you can also then Google the share registry or where it's held or where it's noted. And from there, we can kind of find reports and information and things like that. But if you get stuck, you're welcome to let me know.\n\nI can help you to find things like that. But I would probably start with your account. Sorry. Yeah. Okay.\n\nYeah. Yeah. I'm just sort of thinking the other thing could be, just sort of thinking where else they could be, because you do have to receive statements every so often, emails, and things like that. Have you received any emails or text junk mail to see if anything come through from any investment company? Nothing?\n\nYes. Yeah. Well, if it's in your name, he can't sell anything because it's kinda gotta go to a bank account in the same name, and you normally have to, you know, make sure that that's all set up correctly. The other thing is just as a suggestion, and you're welcome to tell me to set up, but the other thing you could probably do is you could always just set up a really simple redirection. So any extra mail that turns...\n\nGoes towards that place is redirected to you, and that might catch anything hard copy that goes through just in case anything goes to the post that way. That's probably the only other option that I could probably think of. You're absolutely fine. Honestly, it's not a problem at all. But, generally, something will come up at some point.\n\nAnd if and when that does, feel free to let me know if you have any questions. I'm more than welcome to help help you. And if you you get stuck, I can always look for some other options on how to search or register search for registrations in your name and see what pops up there as well. Okay. Yeah.\n\nYeah. Absolutely. I'll just leave it here at the moment as it was. I'll just say I'm sure for the time being for you. Yeah.\n\nBeautiful. Excellent. Okay. So just any other assets or liabilities that you think we should note down here for you at all? No.\n\nThat's excellent. Fantastic. Now are you still doing any of your own work to the the cleaning business you had, or is that completely not happening anymore? Not happening. Yep.\n\nYeah. No. That's okay. Not a problem at all. Beautiful.\n\nOther than that, it looks like we've got more things here. I can see here that you did have a will in place previously, that it was... It's says he outdated. Are you sort of in the process or have you updated the will since everything's changed for you? Yep.\n\nBeautiful. And they're doing, like, a power of attorney documents as well for you? Yeah. No. That's okay.\n\nMaybe just when you go see them, just double check if they are including power of attorney documents just so that, you know, if anything was to happen, if you are unable to make decisions for yourself, that you have nominated who you trust to make, whether it be financial or medical decisions on your behalf. That's all. Yeah. Yep. Beautiful.\n\nYeah. And I've got Ella down here as your next best PIN on file. Is that still accurate and correct? Yes. Beautiful.\n\nWonderful. Thank you so much for that. Now when I'm still going back and looking at the research for you on updating the advice and your portfolio for you, I do kind of project in the back end what we're tracking for with regard to retirement. So just sort of thinking forward, do you know what age you would really like to be able to stop working and retire and start accessing your super? It'd be it'd be great.\n\nYep. Okay. Let me look. So ten, fifteen years. And your birthday is through the 11/19/1974.\n\nYear four, so you'll be 52 in November this year. So if we're looking at about fifteen odd years, it puts us a bit over the 65 mark there, which is absolutely fine. If you like, what I can do is when I sort of look... Because you are in your fifties, when I am updating advice, I do tend to project out for the next five to ten years. So I can have a look at where things are tracking over the next five to ten years, which brings us up to about age 62 currently just to give you a bit of an outlook on what we're tracking for currently with my recommendation update.\n\nDoes that sound okay with you? Yep. Beautiful. Excellent. It's sort of when we're in our fifties looking to looking at when we can possibly start to retire and really kind of wanting to...\n\nYou know, see the light at the end of the tunnel, so let's say. Beautiful. And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years? No. That's okay.\n\nNot not an easy thing to consider. Did you want me just to work on maybe an average income realistically at the... Yes. That's okay. An average income at the moment under the ASSA regulations is around about sort of 70 to 75,000 for a comfortable retirement for a person.\n\nSo are you happy with me just working on that to see where that tracks for for you? And then as you get closer, we can always update that. Yes. Beautiful. Excellent.\n\nI'll just pop that in there for you. Lovely. And you said that you're happy not having any insurances or anything like that. Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your retirement? Yep.\n\nBeautiful. Fantastic. Do you have any other goals that you're looking to achieve over the next couple of years at all? No. That's okay.\n\nJust building super and trying to get to retirement, enjoy yourself. Excellent. Beautiful. Now with your portfolio, we do have you in more of a high growth portfolio. So generally, that sees about 90% of your super investing growth assets.\n\nSo thinking about things like Australian shares, international shares, listed property, and also commodities. Then we also generally see about 10 in lower risk sensitive investments, things like cash, bonds, and fixed interest. A high growth portfolio generally suits someone who has at least eight years before they're accessing a super. It suits an investor who is really wanting a lot more growth, can tolerate the ups and downs for market fees. And as your super builds and grows, smaller changes in the market actually have a bigger effect.\n\nIf you think about someone who has, say, a $50,000 portfolio, and they see maybe a 5% change or 5% growth or a 5% dip, it's essentially a much smaller difference to someone who has that same 5% on $500,000 invested. Do you feel like at the moment you'd be comfortable staying in that high growth environment? Do you want me to maybe reevaluate that that reducing your risk level? How do you feel about that? Yes.\n\nThat's okay. That's absolutely fine. With the high growth kind of environment, you'd... We're generally... When we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return.\n\nWe do know that with the ups and downs the market can provide, the likelihood of a negative return is around about one in every five years. So you still have that time horizon ahead of you as long as you're comfortable with the volatility that your portfolio can see. And I'm here to sort of talk you through it so you can, you know, catch up more regularly to look at how things are progressing and make changes as need be. But you're still fairly comfortable with that. Did you wanna go through the profile questionnaire and maybe look at altering or checking on that?\n\nAre you still fairly comfortable with it? Yep. Not a problem at all. I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel? Do you think you'd be going, hey.\n\nThis could be a buying opportunity. Let's put some money in. Are you probably maybe calling us and saying, what were you suggesting you're a little bit concerned, or are you really feeling very anxious about it and wanting to move your money into cash? How do you think you might feel? See what we say.\n\nYep. No. That's okay. That's yeah. No.\n\nLook. That's perfectly fine. It's a really good answer. And what I kinda wanna make sure we do moving forward is have those catch ups with you. So maybe once every six months in between the annual review.\n\nWe just check-in to see how things are going for you. Are there any changes, give you a bit of an update on your paper, and that way you get a little bit more contact, and we can make changes more regularly if we need to. Does that sound preferable to you? Yep. Beautiful.\n\nFantastic. Now the last couple of documents we do have in the annual review pack there are the Vanguard index chart. It just shows you how markets move up and down and why we invest the way we do. It's about showing that to get good returns, we do take on a little bit of risk. We have to take a certain amount of risk to get the returns thereafter.\n\nHowever, as you get closer to accessing super, you're gonna probably feel a little bit more risk averse. So there'll be a point when we start maybe reducing the risk level a little bit for you. But this sort of shows you how markets react. They are always up and down, but over the longer term, we tend to see really good market reactions out of our growth assets. That's why we are generally comfortable taking the amount of risk.\n\nThat is the next document along. I know it's a lot to look at, but do you have any questions about any of that on that document? Did you want me to break it down a little bit more for you? Or... No.\n\nThat's okay. The next one in there is the OCE Financial Services Guide. It outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me in there for you and my licensing information as a licensed adviser for you there as well. The document after that is the ongoing service agreement for the next twelve months there.\n\nAnd, of course, if you're happy to stay on board, we do get you to sign and return this one back for us. Essentially, with our ongoing service fee, it is a percentage based fee effective. It has changed a little bit in the last couple of years. Our ongoing service fee is now calculated based on an amount of funds that we manage for you. We use a tiered structure now.\n\nSo different fees and rates apply to the different level of funds under management. Essentially, where the... Once applicable fee has been calculated, set at 1.65%. We now have it as a peer structure. So when your balance hits 200,000, the amount over 200,000 is calculated at the lower tier of 1.375.\n\nAnd then when your super balance hits that $500,000 mark, the amount over that is calculated 1.50. So, essentially, as your due balance increases, the amount we calculate your ongoing service fee at, it starts to decrease through the tiers a little bit like the tax system. It kinda decreases through the tiers a little bit. So it's providing more of an advantage for you. It's also about making sure you understand a little bit more visibility on how much you'll pay.\n\nSo we used to tell you it was 1.65%, and that the estimated fee based on this amount was how much to pay. We now calculate that fee as a set dollar figure fee, so you'll never pay more than what is on that document for you each year. If you get, you know, a 20% return over and above that, it doesn't then factor into the ongoing severities for that year. So it's just about making sure you've got more visibility, but also making sure it's a little bit fairer. I mean, we wanna, you know, make sure as your balance grows that while we're able to, you know, make the money from looking after everything that you're making that you're getting benefits from that and reducing our fees as your balance gets bigger does have...\n\nHelps you to have a bigger impact and keep more money invested to you longer term. Does that make sense? Do you have any questions? Beautiful. Beautiful.\n\nSo this document shows this year, it'll be $4,060.35. Nothing over that. You're welcome to have a read through the documents. If you find you have any questions, let me know. The last document attached is the tax file opt in form.\n\nSo we do hold your tax phone number, but we just wanna update all of our records to make sure you're aware that we hold your tax phone number and how and why we do so. This is an opt in form, and we just get you to sign and return that back with the ongoing service agreement there. Do you have any questions in relation to any of those documents or anything else that I've gone through at all? No. Beautiful.\n\nBasically, just to kind of recap, I'm gonna go back and have a look at your supervisor portfolio. You'll have to stay in that high growth environment a little bit longer. I'll look at reducing fees where possible within the portfolio for you, and I'll also look at the estimated product we have to see if that can provide benefits so that we can kind of make changes as needed without having to, you know, continuously provide advice to you. Does that sound accurate? Have I missed anything?\n\nIs there anything else you think you would like me to look at for you? Yeah. Beautiful. Lovely. Well, you're welcome to take some time to review the documents there, Nicole.\n\nOnce you have, we'll just ask you to sign each of those and return them back just so we can get the advice updated for you and provide everything and keep working hard for you. All good. Beautiful. Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you. It generally takes me about four to five weeks to put everything together and do the research.\n\nIs there a day or time that normally suits you better? Yeah. Absolutely. So if I pop it in maybe for, say, three... I do 03:00 on Thursday, the twenty ninth.\n\nWould that be okay? Yep. Beautiful. I'll pop that one in there for 03:00 there for you. I'll send a text message reminder because it is a couple of weeks away, but the text message will just let you know that we're calling.\n\nIf anything comes up and that time doesn't work for you, you're welcome to let me know. But I'll have the advice ready to go then for you, and I'll do the research about updating your portfolio. Okay? Oh, lovely. Thank you so much for your time, Nicole.\n\nIt's been a pleasure. I look forward to putting this together for you. If you find anything comes up, you need any assistance, or have any questions, please let me know. If not, I'll talk to you on the twenty ninth. Oh, thank you so much for taking my call.\n\nI hope you have a lovely afternoon and a great weekend ahead. Thanks, Nicole. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nicole.","start":3.84,"end":4.4,"sentiment":"neutral","sentiment_score":0.07740217819809914},{"text":"This is Dana from OQ Financial.","start":4.4,"end":6.08,"sentiment":"neutral","sentiment_score":0.12281830112139384},{"text":"How are you this afternoon?","start":6.08,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.20805594325065613},{"text":"I'm very well.","start":9.679999,"end":10.559999,"sentiment":"positive","sentiment_score":0.6221045653025309},{"text":"Thank you.","start":10.559999,"end":11.04,"sentiment":"positive","sentiment_score":0.6935946047306061}],"sentiment":"neutral","sentiment_score":0.28808315470814705,"num_words":18,"start":3.84,"end":11.04},{"sentences":[{"text":"I just had to book in today to go through your annual review.","start":11.04,"end":13.44,"sentiment":"neutral","sentiment_score":0.3008999079465866},{"text":"Is now still a good time there for you?","start":13.44,"end":15.345,"sentiment":"neutral","sentiment_score":0.27877208756075966},{"text":"Fantastic.","start":17.425,"end":17.925,"sentiment":"positive","sentiment_score":0.6733682155609131},{"text":"Miss Hall, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":18.705,"end":23.185,"sentiment":"neutral","sentiment_score":0.22815973991933075},{"text":"Are you happy for us to proceed with that?","start":23.185,"end":25.205,"sentiment":"neutral","sentiment_score":0.24050769209861755}],"sentiment":"neutral","sentiment_score":0.26375016461719164,"num_words":55,"start":11.04,"end":25.205},{"sentences":[{"text":"Fantastic.","start":26.625,"end":27.125,"sentiment":"positive","sentiment_score":0.5719720721244812},{"text":"And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there.","start":27.345001,"end":32.79,"sentiment":"neutral","sentiment_score":0.19348541417947182},{"text":"Yep.","start":37.25,"end":37.57,"sentiment":"neutral","sentiment_score":0.11801043152809144},{"text":"Beautiful.","start":37.57,"end":38.07,"sentiment":"positive","sentiment_score":0.36860910058021545},{"text":"Thank you so much.","start":38.13,"end":39.27,"sentiment":"positive","sentiment_score":0.5414080172777176}],"sentiment":"neutral","sentiment_score":0.2501468012730281,"num_words":33,"start":26.625,"end":39.27},{"sentences":[{"text":"No worries.","start":40.05,"end":40.69,"sentiment":"neutral","sentiment_score":0.2602613866329193},{"text":"How has your day been so far?","start":40.69,"end":42.39,"sentiment":"neutral","sentiment_score":0.24060104148728506},{"text":"Oh, that's good.","start":44.77,"end":45.91,"sentiment":"neutral","sentiment_score":0.33251099785168964},{"text":"Nicole, we normally send through some documents to you via email to review with us as we are going through things.","start":46.295,"end":51.355,"sentiment":"neutral","sentiment_score":0.09579715239150184},{"text":"Are you able to access your email there at the moment at all?","start":51.894997,"end":55.114998,"sentiment":"neutral","sentiment_score":0.041321185059272326}],"sentiment":"neutral","sentiment_score":0.12502562311356483,"num_words":46,"start":40.05,"end":55.114998},{"sentences":[{"text":"Yep.","start":56.855,"end":57.335,"sentiment":"neutral","sentiment_score":0.09499755501747131},{"text":"Fantastic.","start":57.335,"end":57.835,"sentiment":"positive","sentiment_score":0.33773273229599},{"text":"I'll just press send on this one there for you.","start":58.055,"end":60.635,"sentiment":"neutral","sentiment_score":0.19558743834495546},{"text":"If I can just get you to pop in there, it'll come through from overtime.","start":60.74,"end":64.44,"sentiment":"neutral","sentiment_score":0.1222758486866951},{"text":"That's the one.","start":74.605,"end":75.485,"sentiment":"neutral","sentiment_score":0.07105373094479243}],"sentiment":"neutral","sentiment_score":0.14786345312992732,"num_words":30,"start":56.855,"end":75.485},{"sentences":[{"text":"Yeah.","start":75.485,"end":75.805,"sentiment":"neutral","sentiment_score":0.1641787886619568},{"text":"Beautiful.","start":75.805,"end":76.305,"sentiment":"positive","sentiment_score":0.37909746170043945},{"text":"Thank you.","start":76.365005,"end":77.105,"sentiment":"positive","sentiment_score":0.3624730259180069},{"text":"Excellent.","start":79.165,"end":79.665,"sentiment":"neutral","sentiment_score":0.25692057609558105},{"text":"Now when you open that...","start":79.885,"end":81.345,"sentiment":"neutral","sentiment_score":0.0265721146017313}],"sentiment":"neutral","sentiment_score":0.16580034513026476,"num_words":10,"start":75.485,"end":81.345},{"sentences":[{"text":"So this is...","start":81.805,"end":82.865005,"sentiment":"neutral","sentiment_score":0.004079889971762896},{"text":"That's okay.","start":83.08501,"end":83.725006,"sentiment":"neutral","sentiment_score":0.03617394156754017},{"text":"So you click the button there so you can move through so you can review the documents.","start":83.725006,"end":87.245,"sentiment":"neutral","sentiment_score":0.04800442584297236},{"text":"It will not let you sign anything or it won't ask you to sign anything until you've gone through and read them all.","start":87.245,"end":92.149994,"sentiment":"neutral","sentiment_score":-0.014989966202689253},{"text":"It's just so you can review the documents to begin with.","start":92.369995,"end":95.03,"sentiment":"neutral","sentiment_score":0.06716578927907077}],"sentiment":"neutral","sentiment_score":0.02311995092480044,"num_words":56,"start":81.805,"end":95.03},{"sentences":[{"text":"Yeah.","start":97.81,"end":98.28999,"sentiment":"neutral","sentiment_score":0.010422706604003906},{"text":"No.","start":98.28999,"end":98.45,"sentiment":"neutral","sentiment_score":-0.029623156413435936},{"text":"That's okay.","start":98.45,"end":98.93,"sentiment":"neutral","sentiment_score":-0.010746539570391176},{"text":"I promise.","start":98.93,"end":99.329994,"sentiment":"neutral","sentiment_score":0.008005628362298012},{"text":"It'll never let you find anything you haven't read.","start":99.329994,"end":101.509995,"sentiment":"neutral","sentiment_score":-0.03975978824827406}],"sentiment":"neutral","sentiment_score":-0.02550135776400566,"num_words":15,"start":97.81,"end":101.509995},{"sentences":[{"text":"That's okay.","start":108.485,"end":109.205,"sentiment":"neutral","sentiment_score":0.061346469447016716},{"text":"When it goes through the first document, it should show you is a summary of your superannuation and insurances there or superannuation.","start":109.205,"end":115.225,"sentiment":"neutral","sentiment_score":0.053239582953127945},{"text":"Sorry.","start":115.525,"end":116.025,"sentiment":"neutral","sentiment_score":0.008169544860720634},{"text":"Beautiful.","start":118.350006,"end":118.850006,"sentiment":"neutral","sentiment_score":0.17451465129852295},{"text":"So having a look at that one there, your balance is sitting at $241,236.42 there.","start":119.15,"end":126.69,"sentiment":"neutral","sentiment_score":0.06472711861133576}],"sentiment":"neutral","sentiment_score":0.05969645705346654,"num_words":41,"start":108.485,"end":126.69},{"sentences":[{"text":"Yeah.","start":129.605,"end":130.105,"sentiment":"neutral","sentiment_score":-0.0010273531079292295},{"text":"When I have a look back at the same time, essentially, last year, the value of your super sitting there was about a $127,450.11.","start":130.565,"end":141.36499,"sentiment":"neutral","sentiment_score":0.08681491591657202},{"text":"So I've had a really good increase over the last twelve months there, which is good.","start":141.36499,"end":145.31999,"sentiment":"positive","sentiment_score":0.643283748999238},{"text":"We definitely kind of wanna build on that for you.","start":145.62,"end":147.86,"sentiment":"positive","sentiment_score":0.7138519644737243},{"text":"So I have been having a bit of look at your portfolio and looking at some area that we can look to make some changes for you to keep it working and growing and building.","start":147.86,"end":155.64,"sentiment":"neutral","sentiment_score":0.32473052612372805}],"sentiment":"positive","sentiment_score":0.3590599845575039,"num_words":86,"start":129.605,"end":155.64},{"sentences":[{"text":"I did go back and have a bit of a look.","start":156.685,"end":158.685,"sentiment":"neutral","sentiment_score":0.06559054519642483},{"text":"I can sort of see over the past few years, there was a point when you came on board that your balance was at 100 k, and then it sort of dips down around 2022.","start":158.685,"end":167.665,"sentiment":"neutral","sentiment_score":0.015738575107284953},{"text":"And it has been sort of building back up until about 2024, which is when it kinda went back to where it was.","start":167.885,"end":173.67,"sentiment":"neutral","sentiment_score":0.02420924668726714},{"text":"And now we're essentially seeing a bit of growth and trying to build on that much higher four years.","start":173.73,"end":178.20999,"sentiment":"neutral","sentiment_score":0.2786703497955674},{"text":"So it's good to see you're back over that mark.","start":178.20999,"end":180.61,"sentiment":"positive","sentiment_score":0.5640020787715911}],"sentiment":"neutral","sentiment_score":0.13024404319953553,"num_words":98,"start":156.685,"end":180.61},{"sentences":[{"text":"You've hit that hurdle, and now we've got that additional growth there.","start":180.61,"end":183.645,"sentiment":"neutral","sentiment_score":0.06202903793503841},{"text":"But we do wanna sort of try and build on that.","start":183.88501,"end":186.46501,"sentiment":"neutral","sentiment_score":0.13156195120377975},{"text":"And this year, we found that with the ups and downs and a lot of what's been happening globally in the market, there has been some ups and downs and volatility.","start":186.685,"end":195.265,"sentiment":"neutral","sentiment_score":-0.08697724811011745},{"text":"This year is definitely where we're seeing lower rates of return.","start":195.485,"end":198.30501,"sentiment":"neutral","sentiment_score":-0.056081578812815926},{"text":"Your portfolio has still come out with a positive return after the past twelve months, which is great, but it is definitely lower than what we would like to see.","start":199.06,"end":207.72,"sentiment":"neutral","sentiment_score":0.0723859245578448}],"sentiment":"neutral","sentiment_score":0.011051743124660693,"num_words":95,"start":180.61,"end":207.72},{"sentences":[{"text":"I can certainly see some changes that I would like to look at making in your portfolio for you.","start":207.94,"end":212.92,"sentiment":"neutral","sentiment_score":0.1360858302367361},{"text":"Nicole, if you're able to go to the next document there for me, you've got your performance with internal rate of return.","start":214.095,"end":220.275,"sentiment":"neutral","sentiment_score":0.029034013859927654},{"text":"Yeah.","start":224.25499,"end":224.75499,"sentiment":"neutral","sentiment_score":0.00058760866522789},{"text":"So having a look at those investments, this is definitely one of the older portfolios there.","start":224.81499,"end":229.43,"sentiment":"neutral","sentiment_score":-0.08289697230793536},{"text":"I can definitely see that with the Benelong Australian concentrated equity fund, that one is underperforming pretty significantly this year.","start":229.89,"end":237.17,"sentiment":"neutral","sentiment_score":-0.14138717483729124}],"sentiment":"neutral","sentiment_score":-0.011911902122963697,"num_words":78,"start":207.94,"end":237.17},{"sentences":[{"text":"So I do wanna look for moving that out of portfolio for you.","start":237.17,"end":240.675,"sentiment":"neutral","sentiment_score":-0.03432535036252095},{"text":"We'll look at replacing that one.","start":240.675,"end":242.695,"sentiment":"neutral","sentiment_score":-0.02423570118844509},{"text":"I also have sort of noted with the China, the Bennett China, the second one from the bottom, that one again is quite down.","start":243.075,"end":249.795,"sentiment":"neutral","sentiment_score":-0.10314783997212847},{"text":"It has been quite the...","start":249.795,"end":251.815,"sentiment":"neutral","sentiment_score":-0.1055674597620964},{"text":"With the...","start":251.875,"end":252.675,"sentiment":"neutral","sentiment_score":-0.08677405118942261}],"sentiment":"neutral","sentiment_score":-0.07537154644727707,"num_words":50,"start":237.17,"end":252.675},{"sentences":[{"text":"Trying to think about how hostile still, there's still a lot of hostilities between the country.","start":252.675,"end":257.69998,"sentiment":"neutral","sentiment_score":-0.26146853249520063},{"text":"So we are finding China hasn't kinda come out and growing the way it was supposed to after COVID.","start":257.69998,"end":262.66,"sentiment":"neutral","sentiment_score":-0.2636656031796807},{"text":"It's not really seeing the gains that we are...","start":262.66,"end":265.0,"sentiment":"neutral","sentiment_score":-0.2902648713853624},{"text":"Had been expecting or that economists have been expecting as well.","start":265.22,"end":268.41998,"sentiment":"neutral","sentiment_score":-0.15850467438047583},{"text":"So I would like to maybe look at removing that from your portfolio there for you as well.","start":268.41998,"end":273.215,"sentiment":"neutral","sentiment_score":-0.09694621691273318}],"sentiment":"neutral","sentiment_score":-0.20950835815643612,"num_words":73,"start":252.675,"end":273.215},{"sentences":[{"text":"The other side of things I can see is that your portfolio is quite tech heavy.","start":273.915,"end":277.935,"sentiment":"neutral","sentiment_score":-0.049385870108380914},{"text":"So if you first look at the second investment down, you've got cybersecurity.","start":278.235,"end":281.615,"sentiment":"neutral","sentiment_score":-0.0009710730340045232},{"text":"We've got battery and lithium tech.","start":281.995,"end":283.63,"sentiment":"neutral","sentiment_score":0.00745698328440388},{"text":"We've also got the Global X tech in there as well, and the S and P 500, which does also encompass some tech and AI and things like that.","start":283.63,"end":292.59,"sentiment":"neutral","sentiment_score":0.007112015745249288},{"text":"So you are very tech heavy, and that this year has been quite a lot of volatility, albeit those investments see it's still seeing the up.","start":292.59,"end":300.48502,"sentiment":"neutral","sentiment_score":-0.11405456309708265}],"sentiment":"neutral","sentiment_score":-0.03908029061535166,"num_words":90,"start":273.915,"end":300.48502},{"sentences":[{"text":"They are sort of...","start":300.865,"end":302.085,"sentiment":"neutral","sentiment_score":-0.05605449993163347},{"text":"They have had a little bit of up and down this year and, you know, seeing some negative returns and not some great returns as well.","start":302.305,"end":308.625,"sentiment":"neutral","sentiment_score":-0.2957150586522542},{"text":"So I would like to maybe look at switching some of those out, maybe reevaluating the portfolio and trying to divert you out a little bit more.","start":308.625,"end":315.96,"sentiment":"neutral","sentiment_score":-0.11308819966183768},{"text":"Are you okay with that?","start":315.96,"end":317.16,"sentiment":"neutral","sentiment_score":0.0365752600133419},{"text":"Do you have any questions for me at the moment?","start":317.16,"end":319.5,"sentiment":"neutral","sentiment_score":0.02329872902482748}],"sentiment":"neutral","sentiment_score":-0.14653232396166357,"num_words":72,"start":300.865,"end":319.5},{"sentences":[{"text":"That's that's okay.","start":324.6,"end":325.935,"sentiment":"neutral","sentiment_score":0.10813742876052856},{"text":"If you finally have questions, you're welcome to let me know.","start":325.935,"end":329.155,"sentiment":"neutral","sentiment_score":0.18868293951858173},{"text":"I do really enjoy this stuff.","start":329.375,"end":330.815,"sentiment":"positive","sentiment_score":0.5368760402003924},{"text":"As you can probably tell, probably our happiest person in the world to talk about superannuation.","start":330.815,"end":334.195,"sentiment":"positive","sentiment_score":0.3847667817026377},{"text":"But definitely just wanna make sure that, you know, where were they going with things?","start":335.45502,"end":339.295,"sentiment":"neutral","sentiment_score":0.13688260465860366}],"sentiment":"neutral","sentiment_score":0.27118996939822737,"num_words":51,"start":324.6,"end":339.295},{"sentences":[{"text":"This is your hard earned money too, so we wanna make sure that it's looked after correctly and that's working towards your goal.","start":339.295,"end":346.49002,"sentiment":"neutral","sentiment_score":0.28451460470323975},{"text":"Yeah.","start":346.95,"end":347.45,"sentiment":"neutral","sentiment_score":0.05326017737388611},{"text":"Yes.","start":352.71002,"end":353.085,"sentiment":"neutral","sentiment_score":0.03433389961719513},{"text":"Not necessarily.","start":357.405,"end":358.38498,"sentiment":"neutral","sentiment_score":0.011121097952127458},{"text":"Some of that money has been invested into that.","start":358.845,"end":361.32498,"sentiment":"neutral","sentiment_score":0.14018130799134573}],"sentiment":"neutral","sentiment_score":0.21986955424977672,"num_words":36,"start":339.295,"end":361.32498},{"sentences":[{"text":"It has made a little bit of a difference.","start":361.32498,"end":363.10498,"sentiment":"neutral","sentiment_score":0.1939290136926704},{"text":"That money going in is then reinvested into the portfolio That comes out with additional growth and income, which is compounded and reinvested back.","start":363.32498,"end":371.43,"sentiment":"neutral","sentiment_score":0.28670537906388444},{"text":"So whilst, you know, whilst it doesn't feel like it does a great deal, it definitely does make a difference, and that difference will continue as it compounds.","start":371.43,"end":379.93,"sentiment":"positive","sentiment_score":0.45280695972698076},{"text":"If you sort of think about, you know, putting that money in, it's getting a 5% return, it earns income.","start":380.495,"end":385.295,"sentiment":"neutral","sentiment_score":0.31802551746368407},{"text":"That money is reinvested back, and then it makes income, and it's reinvested back.","start":385.295,"end":389.475,"sentiment":"neutral","sentiment_score":0.3331543654203415}],"sentiment":"positive","sentiment_score":0.3403111216661177,"num_words":95,"start":361.32498,"end":389.475},{"sentences":[{"text":"And that, over a shorter period of time, has a lesser effect.","start":389.695,"end":392.815,"sentiment":"neutral","sentiment_score":0.24134211614727974},{"text":"But as that goes on, that's gonna have a much greater effect for you.","start":392.815,"end":396.75,"sentiment":"positive","sentiment_score":0.46168033352919985},{"text":"So it definitely has made a difference in a positive sense, but I wanted to continue to make that difference for you and to grow even harder, if that makes sense.","start":396.75,"end":406.53,"sentiment":"positive","sentiment_score":0.6662587465778473},{"text":"Yeah.","start":408.03,"end":408.51,"sentiment":"neutral","sentiment_score":0.3013957738876343},{"text":"Beautiful.","start":408.51,"end":409.01,"sentiment":"positive","sentiment_score":0.4477760791778565}],"sentiment":"positive","sentiment_score":0.5214037806805918,"num_words":59,"start":389.695,"end":409.01},{"sentences":[{"text":"The other thing I sort of wanted to double check with you, we have...","start":410.03,"end":413.745,"sentiment":"neutral","sentiment_score":0.051620633873556344},{"text":"Not not everyone has sort of an opinion on what they wanna see their funds invested in, but one of the things that I do like to kind of clarify is there are different ways to build portfolios, and we have access to so many different investment options to build the portfolio.","start":414.205,"end":428.72,"sentiment":"neutral","sentiment_score":0.02530492482205423},{"text":"Essentially, with the Benelong Australian Equities Investment, that was originally putting in a portfolio because it was an actively managed fund.","start":430.38,"end":437.66,"sentiment":"neutral","sentiment_score":0.016214553045020216},{"text":"So the Benelong investment manager was supposed to try and outperform against the market, trying to time the market and choose which investments to put in there.","start":437.66,"end":446.245,"sentiment":"neutral","sentiment_score":0.02196004531449742},{"text":"That was supposed to provide benefit within the fund.","start":446.245,"end":448.985,"sentiment":"neutral","sentiment_score":0.0836537132660548}],"sentiment":"neutral","sentiment_score":0.03028337578705656,"num_words":123,"start":410.03,"end":448.985},{"sentences":[{"text":"This year, they haven't really been able to do that.","start":449.60498,"end":452.22,"sentiment":"neutral","sentiment_score":-0.16781488209962844},{"text":"They have had the past years where, again, they've struggled, and I just wanna get rid of them now because it's not worth keeping them in there.","start":452.3,"end":458.8,"sentiment":"neutral","sentiment_score":-0.24095497804659385},{"text":"But there are other active managers that, well, there's no guarantees they can outperform against the market every year.","start":459.1,"end":465.82,"sentiment":"neutral","sentiment_score":-0.030825076918852955},{"text":"They can do so.","start":465.82,"end":467.12,"sentiment":"neutral","sentiment_score":0.050846878439188004},{"text":"To have an active investment manager in your portfolio, you do pay a little extra money for that.","start":467.715,"end":474.675,"sentiment":"neutral","sentiment_score":0.07421316020190716}],"sentiment":"neutral","sentiment_score":-0.09269724733745441,"num_words":78,"start":449.60498,"end":474.675},{"sentences":[{"text":"You do pay higher investment fees.","start":474.675,"end":476.75497,"sentiment":"neutral","sentiment_score":0.056228432804346085},{"text":"So I could look to keep an active portfolio together for you, or I could look at lowering the cost of your portfolio, focus on something more passive.","start":476.75497,"end":484.92,"sentiment":"neutral","sentiment_score":0.09236887403364692},{"text":"What would you prefer?","start":485.22,"end":486.36002,"sentiment":"neutral","sentiment_score":-0.04042025888338685},{"text":"Yeah.","start":499.935,"end":500.335,"sentiment":"neutral","sentiment_score":-0.12436069548130035},{"text":"Look, active managers honestly don't always outperform against the market.","start":500.335,"end":504.57498,"sentiment":"neutral","sentiment_score":-0.23442924544215202}],"sentiment":"neutral","sentiment_score":0.0059870384557514774,"num_words":49,"start":474.675,"end":504.57498},{"sentences":[{"text":"There are plenty of them out there.","start":504.57498,"end":506.435,"sentiment":"neutral","sentiment_score":-0.1867778024503163},{"text":"As you can see, we've been along.","start":506.895,"end":508.255,"sentiment":"neutral","sentiment_score":-0.20706308952399663},{"text":"It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well.","start":508.255,"end":514.85,"sentiment":"negative","sentiment_score":-0.395443224187555},{"text":"So this is just time to remove that out.","start":514.85,"end":517.27,"sentiment":"negative","sentiment_score":-0.41343528363439774},{"text":"The other sort of option is having a passive portfolio, which is just, you know, assets that track the market.","start":518.45,"end":523.995,"sentiment":"neutral","sentiment_score":0.1083084385842085}],"sentiment":"neutral","sentiment_score":-0.21915956286506522,"num_words":72,"start":504.57498,"end":523.995},{"sentences":[{"text":"You still wanna have them allocated into a portfolio so that it's lowering risk and providing good returns.","start":523.995,"end":529.935,"sentiment":"neutral","sentiment_score":0.2484486090640227},{"text":"But a passive portfolio, when you think of the longer term, it can actually outperform and perform better than active managers because you're staying invested and and, yeah, compounding the returns and things like that.","start":530.635,"end":543.16,"sentiment":"neutral","sentiment_score":0.2783722060067313},{"text":"If...","start":544.98,"end":545.48,"sentiment":"neutral","sentiment_score":-0.15650340914726257},{"text":"Yeah.","start":548.955,"end":549.35504,"sentiment":"neutral","sentiment_score":-0.03645552694797516},{"text":"No.","start":549.35504,"end":549.59503,"sentiment":"neutral","sentiment_score":-0.06950901448726654}],"sentiment":"neutral","sentiment_score":0.24915418255009822,"num_words":56,"start":523.995,"end":549.59503},{"sentences":[{"text":"That's okay.","start":549.59503,"end":550.41504,"sentiment":"neutral","sentiment_score":0.009110428858548403},{"text":"That's absolutely fine.","start":550.47504,"end":551.835,"sentiment":"neutral","sentiment_score":0.1402591864267985},{"text":"Honestly, not a lot of people do understand the difference between the two, but you were...","start":551.835,"end":556.55505,"sentiment":"neutral","sentiment_score":-0.11082167690619826},{"text":"You definitely have been along the concentrated equities fund within that portfolio, and they are supposed to be trying to buy and sell and hide in the market and pick when to get in and out, and they just can't do that every year.","start":556.55505,"end":569.95,"sentiment":"neutral","sentiment_score":-0.21970298276706177},{"text":"And this investment has struggled to do that over the last couple of years as well.","start":569.95,"end":574.61005,"sentiment":"neutral","sentiment_score":-0.3071235055103898}],"sentiment":"neutral","sentiment_score":-0.196482169671835,"num_words":81,"start":549.59503,"end":574.61005},{"sentences":[{"text":"I...","start":575.64496,"end":575.96497,"sentiment":"neutral","sentiment_score":-0.023524880409240723},{"text":"Honestly, if you would like to...","start":575.96497,"end":577.485,"sentiment":"neutral","sentiment_score":-0.009239517462750277},{"text":"What I would sort of really like to do is definitely look at trying to reduce some of the costs within your portfolio, look at the investment fees, try to reduce them where possible because that can make a difference long term for you as well.","start":577.485,"end":588.865,"sentiment":"neutral","sentiment_score":0.12398747589601122},{"text":"Probably looking at maybe removing that active management component and maybe having it in more of a passive portfolio, which can provide greater long term growth and can do better...","start":591.61,"end":603.355,"sentiment":"neutral","sentiment_score":0.1373375338812669},{"text":"Can provide better returns.","start":603.65497,"end":605.335,"sentiment":"neutral","sentiment_score":0.17579155787825584}],"sentiment":"neutral","sentiment_score":0.1200891282066874,"num_words":87,"start":575.64496,"end":605.335},{"sentences":[{"text":"Would you like me to look at something like that for you?","start":605.335,"end":607.915,"sentiment":"neutral","sentiment_score":0.12889021138350168},{"text":"Yeah.","start":610.055,"end":610.535,"sentiment":"positive","sentiment_score":0.418083131313324},{"text":"Beautiful.","start":610.535,"end":611.035,"sentiment":"positive","sentiment_score":0.6185287237167358},{"text":"I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager.","start":611.575,"end":621.02,"sentiment":"neutral","sentiment_score":0.16793431456272417},{"text":"It is a passive portfolio.","start":621.24,"end":622.78,"sentiment":"neutral","sentiment_score":0.15465891361236572}],"sentiment":"neutral","sentiment_score":0.17161958085166085,"num_words":45,"start":605.335,"end":622.78},{"sentences":[{"text":"It might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone.","start":623.64,"end":638.82495,"sentiment":"neutral","sentiment_score":0.15805773026480965},{"text":"That way we have a lot more control around what you're invested in.","start":638.88495,"end":642.10004,"sentiment":"neutral","sentiment_score":0.15962500812915656},{"text":"Does that sound like something you'd be open to?","start":642.10004,"end":644.60004,"sentiment":"neutral","sentiment_score":0.11720854126744801},{"text":"Yeah.","start":646.10004,"end":646.58,"sentiment":"neutral","sentiment_score":0.30081266164779663},{"text":"Beautiful.","start":646.58,"end":647.08,"sentiment":"positive","sentiment_score":0.6230185031890869}],"sentiment":"neutral","sentiment_score":0.1616255058205291,"num_words":73,"start":623.64,"end":647.08},{"sentences":[{"text":"Lovely.","start":647.46,"end":647.96,"sentiment":"positive","sentiment_score":0.5121211409568787},{"text":"One of the things I do look at is capital gains.","start":648.26,"end":650.98004,"sentiment":"neutral","sentiment_score":0.11363392628052017},{"text":"So a lot of people don't realize that just like you, your super fund actually does a tax return every year.","start":650.98004,"end":656.92,"sentiment":"neutral","sentiment_score":0.1090475484019234},{"text":"Your super fund pays income tax and capital gains tax.","start":657.065,"end":660.445,"sentiment":"neutral","sentiment_score":0.06390688121318817},{"text":"When we are switching investments around, there are capital gains consequences.","start":660.745,"end":665.245,"sentiment":"neutral","sentiment_score":0.04469038935547525}],"sentiment":"neutral","sentiment_score":0.09597696188009447,"num_words":54,"start":647.46,"end":665.245},{"sentences":[{"text":"So your super fund does have to pay capital gains when we buy and sell off with investments.","start":665.305,"end":670.365,"sentiment":"neutral","sentiment_score":0.07112831560273965},{"text":"I do look at that as well.","start":671.11,"end":673.13,"sentiment":"neutral","sentiment_score":0.07988064629690987},{"text":"I'll look at that.","start":673.83,"end":674.63,"sentiment":"neutral","sentiment_score":0.07592928409576416},{"text":"I'll look at the past performance.","start":674.63,"end":676.15,"sentiment":"neutral","sentiment_score":0.062048316622773804},{"text":"I'll look at the fees and how it looks and try to minimize as much as possible.","start":676.15,"end":680.33,"sentiment":"neutral","sentiment_score":0.09724938562687706}],"sentiment":"neutral","sentiment_score":0.08016770762892869,"num_words":52,"start":665.305,"end":680.33},{"sentences":[{"text":"But I just wanted to find out what's more important to you.","start":680.95,"end":684.92505,"sentiment":"neutral","sentiment_score":0.08322528718660276},{"text":"Is it about having us being able to maneuver the portfolio for you without having to call and go, hey.","start":684.92505,"end":690.92505,"sentiment":"neutral","sentiment_score":0.10253835879266263},{"text":"This is underperforming.","start":690.92505,"end":691.825,"sentiment":"neutral","sentiment_score":-0.01238807084155269},{"text":"Let's update the advice.","start":692.125,"end":693.42505,"sentiment":"neutral","sentiment_score":0.039699082262814045},{"text":"Or are you kind of more concerned about the fee aspect?","start":693.965,"end":696.685,"sentiment":"neutral","sentiment_score":0.0008721562441099774}],"sentiment":"neutral","sentiment_score":0.06361392914608587,"num_words":50,"start":680.95,"end":696.685},{"sentences":[{"text":"What's more important than a call?","start":696.685,"end":698.54504,"sentiment":"neutral","sentiment_score":-0.0029093445433924594},{"text":"Having us manage it?","start":699.78,"end":701.24,"sentiment":"neutral","sentiment_score":-0.03032106952741742},{"text":"Yes.","start":702.5,"end":702.9,"sentiment":"neutral","sentiment_score":0.11707286536693572},{"text":"Beautiful.","start":702.9,"end":703.4,"sentiment":"positive","sentiment_score":0.34511464834213257},{"text":"Lovely.","start":704.66003,"end":705.16003,"sentiment":"neutral","sentiment_score":0.3160293996334076}],"sentiment":"neutral","sentiment_score":0.04919050522865011,"num_words":13,"start":696.685,"end":705.16003},{"sentences":[{"text":"So the management side of things and being able to alter the portfolio where needed.","start":705.22003,"end":710.12,"sentiment":"neutral","sentiment_score":0.15497960994640986},{"text":"Yep.","start":711.78,"end":712.18,"sentiment":"neutral","sentiment_score":0.14117999374866486},{"text":"Beautiful.","start":712.18,"end":712.68,"sentiment":"positive","sentiment_score":0.35583174228668213},{"text":"I know it is a lot.","start":713.585,"end":714.625,"sentiment":"neutral","sentiment_score":0.1740423912803332},{"text":"Do you have any questions at the moment in relation to any of that?","start":714.625,"end":717.745,"sentiment":"neutral","sentiment_score":0.09018903438534055}],"sentiment":"neutral","sentiment_score":0.13861099227860169,"num_words":37,"start":705.22003,"end":717.745},{"sentences":[{"text":"You are definitely welcome to let me know if you do.","start":717.745,"end":720.245,"sentiment":"neutral","sentiment_score":0.1893141594800082},{"text":"No.","start":722.30505,"end":722.54504,"sentiment":"neutral","sentiment_score":-0.06687955558300018},{"text":"That's okay.","start":722.54504,"end":723.525,"sentiment":"neutral","sentiment_score":0.06504578422755003},{"text":"You're absolutely fine.","start":723.745,"end":725.205,"sentiment":"positive","sentiment_score":0.34748841325442},{"text":"Beautiful.","start":725.47,"end":725.79,"sentiment":"positive","sentiment_score":0.5712902545928955}],"sentiment":"neutral","sentiment_score":0.20885684786157477,"num_words":18,"start":717.745,"end":725.79},{"sentences":[{"text":"I've got a couple of really good ideas of what I'd like to do.","start":725.79,"end":728.69,"sentiment":"positive","sentiment_score":0.44390867011887686},{"text":"I'll go back and complete the research there for you.","start":728.75,"end":731.57,"sentiment":"positive","sentiment_score":0.34391912519931794},{"text":"Just the other thing to sort of look at here is with your super, you don't have any insurances held within the super fund.","start":732.35,"end":738.52997,"sentiment":"neutral","sentiment_score":-0.015016775927506387},{"text":"You've got into the life, PPD, income protection, trauma cover, things like that.","start":739.205,"end":743.865,"sentiment":"neutral","sentiment_score":-0.004489479389471503},{"text":"Do you have any personal insurance that's part of super that you pay for?","start":744.405,"end":748.325,"sentiment":"neutral","sentiment_score":-0.004448724112340382}],"sentiment":"neutral","sentiment_score":0.12230486189015209,"num_words":75,"start":725.79,"end":748.325},{"sentences":[{"text":"Or...","start":748.325,"end":748.825,"sentiment":"neutral","sentiment_score":-0.00970677938312292},{"text":"No.","start":750.645,"end":750.885,"sentiment":"neutral","sentiment_score":-0.16257475316524506},{"text":"That's okay.","start":750.885,"end":752.02,"sentiment":"neutral","sentiment_score":0.11335045099258423},{"text":"All good.","start":752.02,"end":752.5,"sentiment":"positive","sentiment_score":0.5928377509117126},{"text":"You're comfortable with 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correct?","start":786.78,"end":787.92004,"sentiment":"neutral","sentiment_score":0.037385859061032534},{"text":"No.","start":790.7,"end":791.02,"sentiment":"neutral","sentiment_score":-0.09099356830120088}],"sentiment":"neutral","sentiment_score":0.14955504126846791,"num_words":25,"start":781.26,"end":791.02},{"sentences":[{"text":"No.","start":791.02,"end":791.34,"sentiment":"neutral","sentiment_score":-0.05995488166809082},{"text":"So you're employee now?","start":791.34,"end":793.28,"sentiment":"neutral","sentiment_score":-0.013925042701885104},{"text":"So working 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you.","start":804.655,"end":808.195,"sentiment":"neutral","sentiment_score":0.10333347351600726},{"text":"Yeah.","start":808.495,"end":808.995,"sentiment":"neutral","sentiment_score":0.03964775055646896}],"sentiment":"neutral","sentiment_score":0.12041021289454924,"num_words":37,"start":798.09503,"end":808.995},{"sentences":[{"text":"Yeah.","start":817.88,"end":818.38,"sentiment":"neutral","sentiment_score":-0.02133093029260635},{"text":"Yeah.","start":822.12,"end":822.62,"sentiment":"neutral","sentiment_score":0.035663578659296036},{"text":"No.","start":822.68,"end":823.0,"sentiment":"neutral","sentiment_score":-0.005439352244138718},{"text":"Absolutely.","start":823.0,"end":823.5,"sentiment":"neutral","sentiment_score":0.2195473611354828},{"text":"It does.","start":823.8,"end":824.2,"sentiment":"neutral","sentiment_score":0.24050432443618774}],"sentiment":"neutral","sentiment_score":0.11824155102173488,"num_words":6,"start":817.88,"end":824.2},{"sentences":[{"text":"So I can definitely see that money going in.","start":824.2,"end":826.565,"sentiment":"positive","sentiment_score":0.3704429103268517},{"text":"I know one of my colleagues had tried to give you a call and had emailed out about claiming a notice of intent.","start":826.625,"end":832.48505,"sentiment":"neutral","sentiment_score":0.01508940047705951},{"text":"So we have about 2,600 for the last financial year that was put into the account.","start":832.54504,"end":837.765,"sentiment":"neutral","sentiment_score":0.008912899531424046},{"text":"I can see here you have made mention you wanted to claim that notice of intent there.","start":838.24005,"end":842.82,"sentiment":"neutral","sentiment_score":0.008251784698051564},{"text":"This...","start":843.12006,"end":843.36005,"sentiment":"neutral","sentiment_score":-0.026906944811344147}],"sentiment":"neutral","sentiment_score":0.05965185138594472,"num_words":66,"start":824.2,"end":843.36005},{"sentences":[{"text":"So that hasn't quite been done because it looks like there was a couple of extra amounts coming in.","start":843.36005,"end":847.94,"sentiment":"neutral","sentiment_score":-0.1999441063717792},{"text":"Now that that's all in there, did you want me to claim that notice of intent for you so you can claim that 2,600 as a tax deduction on your tax 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phone.","start":884.775,"end":887.575,"sentiment":"neutral","sentiment_score":0.2547950389293524},{"text":"I just need verbal approval to do so.","start":887.575,"end":889.835,"sentiment":"neutral","sentiment_score":0.07641529617831111}],"sentiment":"neutral","sentiment_score":0.1732593423758562,"num_words":26,"start":872.25,"end":889.835},{"sentences":[{"text":"I'm just gonna claim for the last 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all.","start":913.815,"end":915.095,"sentiment":"positive","sentiment_score":0.4085689902305603}],"sentiment":"neutral","sentiment_score":0.24753836302433985,"num_words":59,"start":898.77,"end":915.095},{"sentences":[{"text":"Yeah.","start":915.095,"end":915.595,"sentiment":"neutral","sentiment_score":0.2252090275287628},{"text":"Excellent.","start":917.015,"end":917.515,"sentiment":"positive","sentiment_score":0.6443990468978882},{"text":"No.","start":929.16003,"end":929.4,"sentiment":"neutral","sentiment_score":-0.027471479028463364},{"text":"Yeah.","start":929.4,"end":929.9,"sentiment":"neutral","sentiment_score":0.0662090927362442},{"text":"Absolutely.","start":930.92,"end":931.42,"sentiment":"positive","sentiment_score":0.404253751039505}],"sentiment":"neutral","sentiment_score":0.26251988783478736,"num_words":5,"start":915.095,"end":931.42},{"sentences":[{"text":"And you don't even need to fill out a form anymore.","start":931.72003,"end":933.72003,"sentiment":"neutral","sentiment_score":0.17041019892150705},{"text":"We've have 24.","start":933.72003,"end":935.02,"sentiment":"neutral","sentiment_score":0.2059674213329951},{"text":"They let us go in there and complete it for you.","start":935.16003,"end":937.4,"sentiment":"neutral","sentiment_score":0.3268348940394141},{"text":"So I'm just doing it now.","start":937.4,"end":938.60004,"sentiment":"neutral","sentiment_score":0.2504747932155927},{"text":"So I've just got ending June 2026.","start":938.60004,"end":940.905,"sentiment":"neutral","sentiment_score":0.07159920329494136}],"sentiment":"neutral","sentiment_score":0.21293793339282274,"num_words":38,"start":931.72003,"end":940.905},{"sentences":[{"text":"We have 2,600 made for the last financial year, and you're happy for me to claim the personal deduction...","start":940.98505,"end":947.005,"sentiment":"positive","sentiment_score":0.44913510429231746},{"text":"Personal deduction on the full 2,600, and I'll just press the fee.","start":947.705,"end":952.205,"sentiment":"positive","sentiment_score":0.3897187014420827},{"text":"And that has all been done for you.","start":952.585,"end":954.74506,"sentiment":"positive","sentiment_score":0.4939648173749447},{"text":"It's now in progress for the last financial year.","start":954.74506,"end":957.56,"sentiment":"positive","sentiment_score":0.36782365043958026},{"text":"So in just a couple of days, I'll get the confirmation through, and I'll shoot it through to you via email.","start":957.56,"end":964.12,"sentiment":"neutral","sentiment_score":0.3225448599883488}],"sentiment":"positive","sentiment_score":0.3948661572691323,"num_words":69,"start":940.98505,"end":964.12},{"sentences":[{"text":"That way, you've got that there.","start":964.12,"end":965.32,"sentiment":"neutral","sentiment_score":0.297736294567585},{"text":"How does that sound?","start":965.32,"end":966.38,"sentiment":"neutral","sentiment_score":0.1863594464957714},{"text":"Yeah.","start":968.2,"end":968.60004,"sentiment":"neutral","sentiment_score":0.2996903657913208},{"text":"Beautiful.","start":968.60004,"end":969.08,"sentiment":"positive","sentiment_score":0.4463707506656647},{"text":"Not a problem at all.","start":969.08,"end":969.96,"sentiment":"neutral","sentiment_score":0.19578311145305632}],"sentiment":"neutral","sentiment_score":0.2504018957124037,"num_words":17,"start":964.12,"end":969.96},{"sentences":[{"text":"It's nice not having to fill out those forms.","start":969.96,"end":971.795,"sentiment":"neutral","sentiment_score":0.20919712881247202},{"text":"They were terrible forms to have to fill out.","start":971.795,"end":973.89496,"sentiment":"negative","sentiment_score":-0.5911503533522288},{"text":"Absolutely.","start":976.755,"end":977.255,"sentiment":"neutral","sentiment_score":-0.01737290620803833},{"text":"No.","start":978.595,"end":978.915,"sentiment":"neutral","sentiment_score":-0.03697868436574936},{"text":"Excellent.","start":978.915,"end":979.415,"sentiment":"neutral","sentiment_score":0.10201229155063628}],"sentiment":"neutral","sentiment_score":-0.16142468189909345,"num_words":21,"start":969.96,"end":979.415},{"sentences":[{"text":"So just double checking.","start":979.63495,"end":980.995,"sentiment":"neutral","sentiment_score":0.03433683980256319},{"text":"So I've got down here that you've got your new employer there.","start":980.995,"end":983.735,"sentiment":"neutral","sentiment_score":0.032730878020326294},{"text":"Income wise, what do you expect to earn this financial year, do you think?","start":984.48,"end":988.5,"sentiment":"neutral","sentiment_score":-0.01978251657315663},{"text":"No.","start":991.83997,"end":992.08,"sentiment":"neutral","sentiment_score":-0.1430256962776184},{"text":"That's okay.","start":992.08,"end":992.98,"sentiment":"neutral","sentiment_score":-0.11408171057701111}],"sentiment":"neutral","sentiment_score":-0.00357655921217167,"num_words":33,"start":979.63495,"end":992.98},{"sentences":[{"text":"Yep.","start":1004.85504,"end":1005.35504,"sentiment":"neutral","sentiment_score":-0.005796500947326422},{"text":"Okay.","start":1010.53503,"end":1011.03503,"sentiment":"neutral","sentiment_score":-0.03157277777791023},{"text":"That's absolutely fine.","start":1016.33,"end":1017.95,"sentiment":"neutral","sentiment_score":-0.0109691113854448},{"text":"You're absolutely fine.","start":1019.37,"end":1020.57,"sentiment":"neutral","sentiment_score":0.1588913748661677},{"text":"I can do that math for you.","start":1020.57,"end":1021.85004,"sentiment":"neutral","sentiment_score":0.19395729899406433}],"sentiment":"neutral","sentiment_score":0.1176065736450255,"num_words":15,"start":1004.85504,"end":1021.85004},{"sentences":[{"text":"Not a problem at all.","start":1021.85004,"end":1023.23004,"sentiment":"neutral","sentiment_score":0.07839765027165413},{"text":"Just for the $1,800 per week, is that a growth on net?","start":1023.77,"end":1027.71,"sentiment":"neutral","sentiment_score":0.01808987371623516},{"text":"Net.","start":1030.275,"end":1030.675,"sentiment":"neutral","sentiment_score":0.04009758681058884},{"text":"No worries.","start":1030.675,"end":1031.475,"sentiment":"neutral","sentiment_score":0.11722803115844727},{"text":"Beautiful.","start":1031.475,"end":1031.975,"sentiment":"neutral","sentiment_score":0.2756068706512451}],"sentiment":"neutral","sentiment_score":0.05520129789199148,"num_words":21,"start":1021.85004,"end":1031.975},{"sentences":[{"text":"And we've got $50 per week going in non concessional, which we'll keep, and I'll make a standing order that you wanna claim that each year in July.","start":1032.835,"end":1041.495,"sentiment":"neutral","sentiment_score":0.14661322560693538},{"text":"Easy.","start":1041.715,"end":1042.215,"sentiment":"neutral","sentiment_score":0.15541259944438934},{"text":"Same city made.","start":1043.64,"end":1044.7001,"sentiment":"neutral","sentiment_score":0.12276767939329147},{"text":"Beautiful.","start":1044.84,"end":1045.34,"sentiment":"neutral","sentiment_score":0.28291696310043335},{"text":"With your assets and liabilities, I have down here.","start":1047.24,"end":1049.88,"sentiment":"neutral","sentiment_score":0.09560520243313578}],"sentiment":"neutral","sentiment_score":0.13743451760993117,"num_words":42,"start":1032.835,"end":1049.88},{"sentences":[{"text":"So I've got your main primary residence.","start":1049.88,"end":1051.74,"sentiment":"neutral","sentiment_score":0.02537661444927965},{"text":"I had a note there that that was the sale last year.","start":1051.8,"end":1054.78,"sentiment":"neutral","sentiment_score":-0.004869689544041951},{"text":"Have you sold the big...","start":1055.48,"end":1057.0,"sentiment":"neutral","sentiment_score":-0.03228666707873344},{"text":"The house that was your main primary residence?","start":1057.0,"end":1059.26,"sentiment":"neutral","sentiment_score":-0.060285571962594986},{"text":"Yep.","start":1075.6,"end":1076.1,"sentiment":"neutral","sentiment_score":-0.012307573109865189}],"sentiment":"neutral","sentiment_score":-0.01626743810872237,"num_words":33,"start":1049.88,"end":1076.1},{"sentences":[{"text":"Yep.","start":1076.5599,"end":1077.0599,"sentiment":"neutral","sentiment_score":-0.010958034545183182},{"text":"Okay.","start":1082.24,"end":1082.74,"sentiment":"neutral","sentiment_score":0.0017434069886803627},{"text":"No worries.","start":1083.2,"end":1083.84,"sentiment":"neutral","sentiment_score":0.0057773529551923275},{"text":"So I see...","start":1083.84,"end":1084.4,"sentiment":"neutral","sentiment_score":0.0035737457995613417},{"text":"Having a look at the fact that from last year, I have one of you as your investment property last year, and then the one for sale must have been the other one, William.","start":1084.4,"end":1094.065,"sentiment":"neutral","sentiment_score":-0.01341169374063611}],"sentiment":"neutral","sentiment_score":-0.010803323693391754,"num_words":41,"start":1076.5599,"end":1094.065},{"sentences":[{"text":"Yeah.","start":1099.325,"end":1099.825,"sentiment":"neutral","sentiment_score":0.007164716720581055},{"text":"Okay.","start":1100.605,"end":1101.105,"sentiment":"neutral","sentiment_score":0.010267438367009165},{"text":"And and so the the Williams Street address, you do have...","start":1101.1649,"end":1104.8099,"sentiment":"neutral","sentiment_score":0.00312384298409928},{"text":"No longer have anything to do with that property.","start":1104.8099,"end":1106.8899,"sentiment":"neutral","sentiment_score":-0.059518167128165565},{"text":"Is that right?","start":1106.8899,"end":1107.61,"sentiment":"neutral","sentiment_score":-0.012199417067070803}],"sentiment":"neutral","sentiment_score":-0.020818693097680807,"num_words":25,"start":1099.325,"end":1107.61},{"sentences":[{"text":"Or...","start":1107.61,"end":1108.11,"sentiment":"neutral","sentiment_score":-0.00890435092151165},{"text":"Yes.","start":1109.45,"end":1109.7699,"sentiment":"neutral","sentiment_score":0.05854550376534462},{"text":"Okay.","start":1109.7699,"end":1110.09,"sentiment":"neutral","sentiment_score":0.05163738131523132},{"text":"I'll just delete that off the system here for you.","start":1110.09,"end":1112.75,"sentiment":"neutral","sentiment_score":0.03440486751496792},{"text":"Excellent.","start":1113.5299,"end":1113.9299,"sentiment":"positive","sentiment_score":0.3845534324645996}],"sentiment":"neutral","sentiment_score":0.05927718869809594,"num_words":14,"start":1107.61,"end":1113.9299},{"sentences":[{"text":"And we see the Bonny View property.","start":1113.9299,"end":1115.975,"sentiment":"neutral","sentiment_score":0.15876385888883046},{"text":"What kind of value would you put on that at the moment?","start":1115.975,"end":1118.475,"sentiment":"neutral","sentiment_score":0.057557772379368544},{"text":"Oh, beautiful.","start":1125.335,"end":1126.075,"sentiment":"neutral","sentiment_score":0.26285018771886826},{"text":"Excellent.","start":1128.38,"end":1128.88,"sentiment":"positive","sentiment_score":0.34468621015548706},{"text":"And mortgage on the property I had here owing about 750,000.","start":1129.26,"end":1133.5,"sentiment":"neutral","sentiment_score":0.1042093001306057}],"sentiment":"neutral","sentiment_score":0.115719065691034,"num_words":33,"start":1113.9299,"end":1133.5},{"sentences":[{"text":"Does that sound about right or a bit lower?","start":1133.5,"end":1135.6,"sentiment":"neutral","sentiment_score":0.02850387224720584},{"text":"Oh, beautiful.","start":1139.98,"end":1140.7999,"sentiment":"neutral","sentiment_score":0.21339265257120132},{"text":"Much lower than what we had here.","start":1141.1799,"end":1143.4049,"sentiment":"neutral","sentiment_score":0.08640127735478538},{"text":"Love that.","start":1143.4049,"end":1144.225,"sentiment":"neutral","sentiment_score":0.3064851313829422},{"text":"Look.","start":1148.125,"end":1148.365,"sentiment":"neutral","sentiment_score":-0.06547759473323822}],"sentiment":"neutral","sentiment_score":0.08741056023254282,"num_words":21,"start":1133.5,"end":1148.365},{"sentences":[{"text":"With interest rate and surprising, that's not a bad thing.","start":1148.365,"end":1150.845,"sentiment":"neutral","sentiment_score":-0.11202199459075927},{"text":"You put a bit of a lower loan to have to pay off.","start":1150.845,"end":1153.585,"sentiment":"neutral","sentiment_score":-0.13558348956016394},{"text":"Yeah.","start":1156.23,"end":1156.73,"sentiment":"neutral","sentiment_score":0.025061970576643944},{"text":"Yeah.","start":1157.3501,"end":1157.8501,"sentiment":"neutral","sentiment_score":0.02320968173444271},{"text":"I've got down your vehicle here as well.","start":1158.7101,"end":1160.63,"sentiment":"neutral","sentiment_score":0.02478745928965509}],"sentiment":"neutral","sentiment_score":-0.0798858782897393,"num_words":33,"start":1148.365,"end":1160.63},{"sentences":[{"text":"What kind of car do you drive?","start":1160.63,"end":1162.25,"sentiment":"neutral","sentiment_score":0.011541758796998433},{"text":"Tucson.","start":1169.555,"end":1170.035,"sentiment":"neutral","sentiment_score":0.03132273256778717},{"text":"Beautiful.","start":1170.035,"end":1170.535,"sentiment":"neutral","sentiment_score":0.2709825038909912},{"text":"Excellent.","start":1170.675,"end":1171.175,"sentiment":"neutral","sentiment_score":0.2623277008533478},{"text":"And I had done here a rough valuation of 45,000.","start":1171.635,"end":1175.5751,"sentiment":"neutral","sentiment_score":0.038730647414922714}],"sentiment":"neutral","sentiment_score":0.05163658615201712,"num_words":20,"start":1160.63,"end":1175.5751},{"sentences":[{"text":"Would you value the car at that?","start":1175.7151,"end":1177.655,"sentiment":"neutral","sentiment_score":0.003137569342340742},{"text":"Yep.","start":1187.6499,"end":1188.1499,"sentiment":"neutral","sentiment_score":0.07098691165447235},{"text":"Absolutely.","start":1188.9299,"end":1189.4299,"sentiment":"neutral","sentiment_score":0.1636345386505127},{"text":"And you own the vehicle outright with no debt?","start":1190.0499,"end":1192.71,"sentiment":"neutral","sentiment_score":0.10945395628611247},{"text":"Beautiful.","start":1194.9149,"end":1195.4149,"sentiment":"neutral","sentiment_score":0.1720079928636551}],"sentiment":"neutral","sentiment_score":0.07440410711263355,"num_words":19,"start":1175.7151,"end":1195.4149},{"sentences":[{"text":"I also have down here there was an investment portfolio worth 5,000.","start":1195.475,"end":1199.235,"sentiment":"neutral","sentiment_score":-0.004628388162624712},{"text":"Do you still happen to have that one at all, or is that still existing?","start":1199.235,"end":1203.095,"sentiment":"neutral","sentiment_score":-0.009476068119208017},{"text":"No.","start":1210.21,"end":1210.37,"sentiment":"neutral","sentiment_score":-0.146177276968956},{"text":"That's okay.","start":1210.37,"end":1211.19,"sentiment":"neutral","sentiment_score":-0.06424538046121597},{"text":"Have a look.","start":1212.85,"end":1213.41,"sentiment":"neutral","sentiment_score":0.042412515729665756}],"sentiment":"neutral","sentiment_score":-0.010457944558848712,"num_words":33,"start":1195.475,"end":1213.41},{"sentences":[{"text":"Yeah.","start":1213.41,"end":1213.65,"sentiment":"neutral","sentiment_score":0.09576825797557832},{"text":"That's okay.","start":1213.65,"end":1214.13,"sentiment":"neutral","sentiment_score":0.16522125154733658},{"text":"Well, if you do get the statements, if you do need help with those, you're welcome to let us know.","start":1214.13,"end":1218.29,"sentiment":"neutral","sentiment_score":0.12279954589903355},{"text":"We're always here to help, and we can provide advice.","start":1218.29,"end":1221.27,"sentiment":"neutral","sentiment_score":0.0037998642772436144},{"text":"Yeah.","start":1242.2899,"end":1242.53,"sentiment":"neutral","sentiment_score":-0.1268727481365204}],"sentiment":"neutral","sentiment_score":0.08215669334373053,"num_words":34,"start":1213.41,"end":1242.53},{"sentences":[{"text":"That's that's okay.","start":1242.53,"end":1245.01,"sentiment":"neutral","sentiment_score":0.07386460403601329},{"text":"That's honestly fine.","start":1245.01,"end":1246.0499,"sentiment":"neutral","sentiment_score":0.32588990529378253},{"text":"Where I would probably start is your accountant.","start":1246.0499,"end":1248.47,"sentiment":"neutral","sentiment_score":0.029441398568451405},{"text":"So on your myGov and...","start":1248.61,"end":1251.725,"sentiment":"neutral","sentiment_score":0.01804803255945444},{"text":"When your accountant does your tax return, if you have received any dividends and things like that that have been lodged through, like, a check registration, which is how Australian shares are registered.","start":1251.725,"end":1263.99,"sentiment":"neutral","sentiment_score":0.06120370565490289}],"sentiment":"neutral","sentiment_score":0.06816840703742436,"num_words":52,"start":1242.53,"end":1263.99},{"sentences":[{"text":"They often get automatically added to your myGov and your tax return.","start":1264.85,"end":1268.23,"sentiment":"neutral","sentiment_score":0.282330971211195},{"text":"So on that, if you get the account to double check for you, if you have sort of received the dividends or have any of those records on your tax, they should be able to find out what the HIN or the HIN number is.","start":1268.45,"end":1281.355,"sentiment":"neutral","sentiment_score":0.1614216877354516},{"text":"If they can find out the name of the share that you have invested in, you can also then Google the share registry or where it's held or where it's noted.","start":1281.655,"end":1291.115,"sentiment":"neutral","sentiment_score":0.11754693932110263},{"text":"And from there, we can kind of find reports and information and things like that.","start":1291.42,"end":1296.06,"sentiment":"neutral","sentiment_score":0.10011550436417262},{"text":"But if you get stuck, you're welcome to let me know.","start":1296.06,"end":1298.78,"sentiment":"neutral","sentiment_score":0.16082256422801453}],"sentiment":"neutral","sentiment_score":0.15409371485574203,"num_words":114,"start":1264.85,"end":1298.78},{"sentences":[{"text":"I can help you to find things like that.","start":1298.78,"end":1300.7,"sentiment":"neutral","sentiment_score":0.10902841637531917},{"text":"But I would probably start with your account.","start":1300.7,"end":1302.64,"sentiment":"neutral","sentiment_score":-0.05010901764035225},{"text":"Sorry.","start":1304.06,"end":1304.56,"sentiment":"neutral","sentiment_score":-0.21590512990951535},{"text":"Yeah.","start":1319.795,"end":1320.295,"sentiment":"neutral","sentiment_score":-0.16461288928985596},{"text":"Okay.","start":1320.915,"end":1321.415,"sentiment":"neutral","sentiment_score":-0.27939438819885254}],"sentiment":"neutral","sentiment_score":-0.00397644005715847,"num_words":20,"start":1298.78,"end":1321.415},{"sentences":[{"text":"Yeah.","start":1328.07,"end":1328.57,"sentiment":"neutral","sentiment_score":-0.0981234535574913},{"text":"Yeah.","start":1328.87,"end":1329.37,"sentiment":"neutral","sentiment_score":-0.09594403207302094},{"text":"I'm just sort of thinking the other thing could be, just sort of thinking where else they could be, because you do have to receive statements every so often, emails, and things like that.","start":1330.07,"end":1342.925,"sentiment":"neutral","sentiment_score":-0.07834034533623387},{"text":"Have you received any emails or text junk mail to see if anything come through from any investment company?","start":1343.0651,"end":1349.13,"sentiment":"neutral","sentiment_score":-0.09077758361634455},{"text":"Nothing?","start":1355.35,"end":1355.85,"sentiment":"neutral","sentiment_score":-0.07541760802268982}],"sentiment":"neutral","sentiment_score":-0.08317555221063751,"num_words":56,"start":1328.07,"end":1355.85},{"sentences":[{"text":"Yes.","start":1356.79,"end":1357.29,"sentiment":"neutral","sentiment_score":-0.09134670346975328},{"text":"Yeah.","start":1376.62,"end":1377.02,"sentiment":"neutral","sentiment_score":-0.05305281281471253},{"text":"Well, if it's in your name, he can't sell anything because it's kinda gotta go to a bank account in the same name, and you normally have to, you know, make sure that that's all set up correctly.","start":1377.02,"end":1388.635,"sentiment":"neutral","sentiment_score":-0.09297384929500128},{"text":"The other thing is just as a suggestion, and you're welcome to tell me to set up, but the other thing you could probably do is you could always just set up a really simple redirection.","start":1389.335,"end":1400.3899,"sentiment":"neutral","sentiment_score":0.07558073605307275},{"text":"So any extra mail that turns...","start":1400.69,"end":1402.71,"sentiment":"neutral","sentiment_score":0.03684956021606922}],"sentiment":"neutral","sentiment_score":-0.008968316223018052,"num_words":82,"start":1356.79,"end":1402.71},{"sentences":[{"text":"Goes towards that place is redirected to you, and that might catch anything hard copy that goes through just in case anything goes to the post that way.","start":1402.85,"end":1411.2699,"sentiment":"neutral","sentiment_score":0.02591762352468712},{"text":"That's probably the only other option that I could probably think of.","start":1411.7051,"end":1414.765,"sentiment":"neutral","sentiment_score":0.0571460446032385},{"text":"You're absolutely fine.","start":1418.905,"end":1420.505,"sentiment":"positive","sentiment_score":0.3920271396636963},{"text":"Honestly, it's not a problem at all.","start":1420.505,"end":1422.6051,"sentiment":"positive","sentiment_score":0.3690745873110635},{"text":"But, generally, something will come up at some point.","start":1423.4651,"end":1426.5499,"sentiment":"neutral","sentiment_score":0.10282049907578363}],"sentiment":"neutral","sentiment_score":0.10332939009797776,"num_words":59,"start":1402.85,"end":1426.5499},{"sentences":[{"text":"And if and when that does, feel free to let me know if you have any questions.","start":1426.5499,"end":1430.47,"sentiment":"neutral","sentiment_score":0.24185381566776948},{"text":"I'm more than welcome to help help you.","start":1430.47,"end":1432.5499,"sentiment":"neutral","sentiment_score":0.08325945818796754},{"text":"And if you you get stuck, I can always look for some other options on how to search or register search for registrations in your name and see what pops up there as well.","start":1432.5499,"end":1442.785,"sentiment":"neutral","sentiment_score":0.014297611107501914},{"text":"Okay.","start":1442.845,"end":1443.345,"sentiment":"neutral","sentiment_score":0.021903520449995995},{"text":"Yeah.","start":1444.605,"end":1445.105,"sentiment":"neutral","sentiment_score":0.04442201554775238}],"sentiment":"neutral","sentiment_score":0.08737762041817435,"num_words":61,"start":1426.5499,"end":1445.105},{"sentences":[{"text":"Yeah.","start":1445.885,"end":1446.385,"sentiment":"neutral","sentiment_score":0.05948140472173691},{"text":"Absolutely.","start":1446.845,"end":1447.345,"sentiment":"neutral","sentiment_score":0.28133535385131836},{"text":"I'll just leave it here at the moment as it was.","start":1447.405,"end":1449.325,"sentiment":"neutral","sentiment_score":0.16970004683191126},{"text":"I'll just say I'm sure for the time being for you.","start":1449.325,"end":1451.985,"sentiment":"neutral","sentiment_score":0.1044014489108866},{"text":"Yeah.","start":1453.77,"end":1454.01,"sentiment":"neutral","sentiment_score":0.2269158810377121}],"sentiment":"neutral","sentiment_score":0.14331396371126176,"num_words":25,"start":1445.885,"end":1454.01},{"sentences":[{"text":"Beautiful.","start":1454.01,"end":1454.51,"sentiment":"positive","sentiment_score":0.5877910852432251},{"text":"Excellent.","start":1454.81,"end":1455.31,"sentiment":"positive","sentiment_score":0.6023707985877991},{"text":"Okay.","start":1456.41,"end":1456.89,"sentiment":"neutral","sentiment_score":0.2548787593841553},{"text":"So just any other assets or liabilities that you think we should note down here for you at all?","start":1456.89,"end":1461.9501,"sentiment":"neutral","sentiment_score":0.08968338938920122},{"text":"No.","start":1464.5701,"end":1464.81,"sentiment":"neutral","sentiment_score":-0.02475696988403797}],"sentiment":"neutral","sentiment_score":0.13583774224895498,"num_words":23,"start":1454.01,"end":1464.81},{"sentences":[{"text":"That's excellent.","start":1464.81,"end":1465.7101,"sentiment":"neutral","sentiment_score":0.25597694516181946},{"text":"Fantastic.","start":1465.77,"end":1466.27,"sentiment":"positive","sentiment_score":0.4340974986553192},{"text":"Now are you still doing any of your own work to the the cleaning business you had, or is that completely not happening anymore?","start":1467.935,"end":1476.035,"sentiment":"neutral","sentiment_score":-0.034660513435179986},{"text":"Not happening.","start":1478.095,"end":1478.835,"sentiment":"neutral","sentiment_score":-0.08033839240670204},{"text":"Yep.","start":1478.895,"end":1479.395,"sentiment":"neutral","sentiment_score":-0.030104342848062515}],"sentiment":"neutral","sentiment_score":-0.002552735370894273,"num_words":30,"start":1464.81,"end":1479.395},{"sentences":[{"text":"Yeah.","start":1482.7201,"end":1483.2201,"sentiment":"neutral","sentiment_score":-0.037629351019859314},{"text":"No.","start":1484.64,"end":1484.9601,"sentiment":"neutral","sentiment_score":-0.024596773087978363},{"text":"That's okay.","start":1484.9601,"end":1485.8601,"sentiment":"neutral","sentiment_score":0.008977489545941351},{"text":"Not a problem at all.","start":1485.92,"end":1487.3,"sentiment":"neutral","sentiment_score":0.03693497851490975},{"text":"Beautiful.","start":1487.3601,"end":1487.8601,"sentiment":"neutral","sentiment_score":0.29894381761550903}],"sentiment":"neutral","sentiment_score":0.04393475651741028,"num_words":10,"start":1482.7201,"end":1487.8601},{"sentences":[{"text":"Other than that, it looks like we've got more things here.","start":1488.7201,"end":1491.12,"sentiment":"neutral","sentiment_score":0.040402174165303055},{"text":"I can see here that you did have a will in place previously, that it was...","start":1491.12,"end":1494.7201,"sentiment":"neutral","sentiment_score":0.007711352896876633},{"text":"It's says he outdated.","start":1494.7201,"end":1496.135,"sentiment":"neutral","sentiment_score":-0.10780536942183971},{"text":"Are you sort of in the process or have you updated the will since everything's changed for you?","start":1497.395,"end":1502.6951,"sentiment":"neutral","sentiment_score":-0.057664958760142326},{"text":"Yep.","start":1506.035,"end":1506.535,"sentiment":"neutral","sentiment_score":0.0662895143032074}],"sentiment":"neutral","sentiment_score":-0.01670191317796707,"num_words":50,"start":1488.7201,"end":1506.535},{"sentences":[{"text":"Beautiful.","start":1506.675,"end":1507.155,"sentiment":"neutral","sentiment_score":0.19362424314022064},{"text":"And they're doing, like, a power of attorney documents as well for you?","start":1507.155,"end":1510.535,"sentiment":"neutral","sentiment_score":0.03009717044635461},{"text":"Yeah.","start":1513.21,"end":1513.61,"sentiment":"neutral","sentiment_score":-0.027733244001865387},{"text":"No.","start":1513.61,"end":1513.85,"sentiment":"neutral","sentiment_score":-0.05106694996356964},{"text":"That's okay.","start":1513.85,"end":1514.75,"sentiment":"neutral","sentiment_score":-0.02935184258967638}],"sentiment":"neutral","sentiment_score":0.024854643322113488,"num_words":18,"start":1506.675,"end":1514.75},{"sentences":[{"text":"Maybe just when you go see them, just double check if they are including power of attorney documents just so that, you know, if anything was to happen, if you are unable to make decisions for yourself, that you have nominated who you trust to make, whether it be financial or medical decisions on your behalf.","start":1514.89,"end":1529.175,"sentiment":"neutral","sentiment_score":-0.018475924585280672},{"text":"That's all.","start":1529.175,"end":1529.895,"sentiment":"neutral","sentiment_score":0.020050260238349438},{"text":"Yeah.","start":1529.895,"end":1530.395,"sentiment":"neutral","sentiment_score":0.008771950379014015},{"text":"Yep.","start":1531.735,"end":1532.235,"sentiment":"neutral","sentiment_score":0.014857696369290352},{"text":"Beautiful.","start":1534.135,"end":1534.635,"sentiment":"neutral","sentiment_score":0.13547244668006897}],"sentiment":"neutral","sentiment_score":-0.013695887915912221,"num_words":61,"start":1514.89,"end":1534.635},{"sentences":[{"text":"Yeah.","start":1536.75,"end":1537.2301,"sentiment":"neutral","sentiment_score":0.019163351505994797},{"text":"And I've got Ella down here as your next best PIN on file.","start":1537.2301,"end":1540.3501,"sentiment":"neutral","sentiment_score":0.03877608234492632},{"text":"Is that still accurate and correct?","start":1540.3501,"end":1542.05,"sentiment":"neutral","sentiment_score":-0.003721097173790137},{"text":"Yes.","start":1544.03,"end":1544.43,"sentiment":"positive","sentiment_score":0.4615078568458557},{"text":"Beautiful.","start":1544.43,"end":1544.93,"sentiment":"positive","sentiment_score":0.7587348222732544}],"sentiment":"neutral","sentiment_score":0.0782349326393821,"num_words":22,"start":1536.75,"end":1544.93},{"sentences":[{"text":"Wonderful.","start":1544.99,"end":1545.4701,"sentiment":"positive","sentiment_score":0.7844015955924988},{"text":"Thank you so much for that.","start":1545.4701,"end":1547.0901,"sentiment":"positive","sentiment_score":0.7884544332822164},{"text":"Now when I'm still going back and looking at the research for you on updating the advice and your portfolio for you, I do kind of project in the back end what we're tracking for with regard to retirement.","start":1547.4701,"end":1559.275,"sentiment":"neutral","sentiment_score":0.06840662839703071},{"text":"So just sort of thinking forward, do you know what age you would really like to be able to stop working and retire and start accessing your super?","start":1559.5751,"end":1567.5801,"sentiment":"neutral","sentiment_score":-0.005239487559135471},{"text":"It'd be it'd be great.","start":1570.04,"end":1571.26,"sentiment":"neutral","sentiment_score":-0.32542368173599245}],"sentiment":"neutral","sentiment_score":0.08112864104347138,"num_words":79,"start":1544.99,"end":1571.26},{"sentences":[{"text":"Yep.","start":1579.88,"end":1580.38,"sentiment":"neutral","sentiment_score":0.006308853626251221},{"text":"Okay.","start":1581.105,"end":1581.605,"sentiment":"neutral","sentiment_score":0.01444440335035324},{"text":"Let me look.","start":1582.405,"end":1585.5049,"sentiment":"neutral","sentiment_score":0.01064798173805078},{"text":"So ten, fifteen years.","start":1586.3049,"end":1587.845,"sentiment":"neutral","sentiment_score":0.01180678280070424},{"text":"And your birthday is through the 11/19/1974.","start":1587.905,"end":1592.005,"sentiment":"neutral","sentiment_score":0.017454029460038458}],"sentiment":"neutral","sentiment_score":0.013881408725865185,"num_words":16,"start":1579.88,"end":1592.005},{"sentences":[{"text":"Year four, so you'll be 52 in November this year.","start":1593.95,"end":1597.33,"sentiment":"neutral","sentiment_score":0.02804071959108114},{"text":"So if we're looking at about fifteen odd years, it puts us a bit over the 65 mark there, which is absolutely fine.","start":1600.91,"end":1606.93,"sentiment":"neutral","sentiment_score":0.05479290878967098},{"text":"If you like, what I can do is when I sort of look...","start":1608.0449,"end":1610.445,"sentiment":"neutral","sentiment_score":0.013649308552535681},{"text":"Because you are in your fifties, when I am updating advice, I do tend to project out for the next five to ten years.","start":1610.445,"end":1617.4049,"sentiment":"neutral","sentiment_score":0.022542957488136988},{"text":"So I can have a look at where things are tracking over the next five to ten years, which brings us up to about age 62 currently just to give you a bit of an outlook on what we're tracking for currently with my recommendation update.","start":1617.4049,"end":1628.5399,"sentiment":"neutral","sentiment_score":0.04694768170947614}],"sentiment":"neutral","sentiment_score":0.038092322824201705,"num_words":116,"start":1593.95,"end":1628.5399},{"sentences":[{"text":"Does that sound okay with you?","start":1628.5399,"end":1630.08,"sentiment":"neutral","sentiment_score":0.03550698763380448},{"text":"Yep.","start":1630.7,"end":1631.2,"sentiment":"neutral","sentiment_score":0.0748051255941391},{"text":"Beautiful.","start":1631.8999,"end":1632.3999,"sentiment":"positive","sentiment_score":0.4032273888587952},{"text":"Excellent.","start":1633.0199,"end":1633.5,"sentiment":"positive","sentiment_score":0.381144642829895},{"text":"It's sort of when we're in our fifties looking to looking at when we can possibly start to retire and really kind of wanting to...","start":1633.5,"end":1639.765,"sentiment":"neutral","sentiment_score":0.06460144579410552}],"sentiment":"neutral","sentiment_score":0.07903691846877337,"num_words":34,"start":1628.5399,"end":1639.765},{"sentences":[{"text":"You know, see the light at the end of the tunnel, so let's say.","start":1640.065,"end":1642.565,"sentiment":"neutral","sentiment_score":-0.011766122654080391},{"text":"Beautiful.","start":1645.345,"end":1645.845,"sentiment":"neutral","sentiment_score":0.1807805597782135},{"text":"And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years?","start":1646.3049,"end":1655.4299,"sentiment":"neutral","sentiment_score":0.018447478398166853},{"text":"No.","start":1659.41,"end":1659.73,"sentiment":"neutral","sentiment_score":-0.13748857378959656},{"text":"That's okay.","start":1659.73,"end":1660.5499,"sentiment":"neutral","sentiment_score":-0.10811784490942955}],"sentiment":"neutral","sentiment_score":0.004198030905520662,"num_words":47,"start":1640.065,"end":1660.5499},{"sentences":[{"text":"Not not an easy thing to consider.","start":1662.13,"end":1664.2051,"sentiment":"neutral","sentiment_score":-0.19576566985675267},{"text":"Did you want me just to work on maybe an average income realistically at the...","start":1664.2051,"end":1668.625,"sentiment":"neutral","sentiment_score":-0.049397408093015356},{"text":"Yes.","start":1668.925,"end":1669.425,"sentiment":"neutral","sentiment_score":0.050813980400562286},{"text":"That's okay.","start":1669.885,"end":1670.7051,"sentiment":"neutral","sentiment_score":0.06924709677696228},{"text":"An average income at the moment under the ASSA regulations is around about sort of 70 to 75,000 for a comfortable retirement for a person.","start":1671.005,"end":1680.09,"sentiment":"neutral","sentiment_score":0.11200968652963639}],"sentiment":"neutral","sentiment_score":0.01756459053605795,"num_words":50,"start":1662.13,"end":1680.09},{"sentences":[{"text":"So are you happy with me just working on that to see where that tracks for for you?","start":1680.09,"end":1683.85,"sentiment":"neutral","sentiment_score":0.24555362057354715},{"text":"And then as you get closer, we can always update that.","start":1683.85,"end":1686.9099,"sentiment":"neutral","sentiment_score":0.09403566846793349},{"text":"Yes.","start":1688.8099,"end":1689.21,"sentiment":"positive","sentiment_score":0.34327638149261475},{"text":"Beautiful.","start":1689.21,"end":1689.71,"sentiment":"positive","sentiment_score":0.6679657697677612},{"text":"Excellent.","start":1691.1299,"end":1691.6299,"sentiment":"positive","sentiment_score":0.7168906927108765}],"sentiment":"neutral","sentiment_score":0.22445282398257405,"num_words":32,"start":1680.09,"end":1691.6299},{"sentences":[{"text":"I'll just pop that in there for you.","start":1692.125,"end":1694.145,"sentiment":"positive","sentiment_score":0.5497184805572033},{"text":"Lovely.","start":1695.9651,"end":1696.4651,"sentiment":"positive","sentiment_score":0.5950112342834473},{"text":"And you said that you're happy not having any insurances or anything like that.","start":1696.8451,"end":1700.4451,"sentiment":"neutral","sentiment_score":0.21277692488261632},{"text":"Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your retirement?","start":1700.4451,"end":1707.1051,"sentiment":"neutral","sentiment_score":0.20486420845346792},{"text":"Yep.","start":1709.45,"end":1709.95,"sentiment":"neutral","sentiment_score":0.22225472331047055}],"sentiment":"neutral","sentiment_score":0.26788631898279375,"num_words":52,"start":1692.125,"end":1709.95},{"sentences":[{"text":"Beautiful.","start":1710.33,"end":1710.83,"sentiment":"positive","sentiment_score":0.5280518531799316},{"text":"Fantastic.","start":1711.0499,"end":1711.5499,"sentiment":"positive","sentiment_score":0.5685163140296936},{"text":"Do you have any other goals that you're looking to achieve over the next couple of years at all?","start":1712.09,"end":1716.99,"sentiment":"neutral","sentiment_score":0.22152765252088247},{"text":"No.","start":1719.13,"end":1719.45,"sentiment":"neutral","sentiment_score":-0.07128443568944931},{"text":"That's okay.","start":1719.45,"end":1720.25,"sentiment":"neutral","sentiment_score":-0.0042145689949393255}],"sentiment":"neutral","sentiment_score":0.21774499964279434,"num_words":24,"start":1710.33,"end":1720.25},{"sentences":[{"text":"Just building super and trying to get to retirement, enjoy yourself.","start":1720.25,"end":1724.185,"sentiment":"neutral","sentiment_score":0.13794280182231555},{"text":"Excellent.","start":1727.125,"end":1727.625,"sentiment":"positive","sentiment_score":0.4054206013679504},{"text":"Beautiful.","start":1727.765,"end":1728.265,"sentiment":"positive","sentiment_score":0.3926651179790497},{"text":"Now with your portfolio, we do have you in more of a high growth portfolio.","start":1728.7251,"end":1732.745,"sentiment":"neutral","sentiment_score":0.11003162761529287},{"text":"So generally, that sees about 90% of your super investing growth assets.","start":1732.885,"end":1737.4651,"sentiment":"neutral","sentiment_score":0.08362023501346509}],"sentiment":"neutral","sentiment_score":0.12423434434458613,"num_words":40,"start":1720.25,"end":1737.4651},{"sentences":[{"text":"So thinking about things like Australian shares, international shares, listed property, and also commodities.","start":1737.7699,"end":1743.3899,"sentiment":"neutral","sentiment_score":0.06776204705238342},{"text":"Then we also generally see about 10 in lower risk sensitive investments, things like cash, bonds, and fixed interest.","start":1744.4099,"end":1751.3899,"sentiment":"neutral","sentiment_score":0.05641892336701092},{"text":"A high growth portfolio generally suits someone who has at least eight years before they're accessing a super.","start":1752.105,"end":1757.965,"sentiment":"neutral","sentiment_score":0.07893906016316679},{"text":"It suits an investor who is really wanting a lot more growth, can tolerate the ups and downs for market fees.","start":1758.425,"end":1765.245,"sentiment":"neutral","sentiment_score":0.12650073213236673},{"text":"And as your super builds and grows, smaller changes in the market actually have a bigger effect.","start":1765.4299,"end":1771.45,"sentiment":"neutral","sentiment_score":0.12468897200682584}],"sentiment":"neutral","sentiment_score":0.09233437285999234,"num_words":89,"start":1737.7699,"end":1771.45},{"sentences":[{"text":"If you think about someone who has, say, a $50,000 portfolio, and they see maybe a 5% change or 5% growth or a 5% dip, it's essentially a much smaller difference to someone who has that same 5% on $500,000 invested.","start":1771.75,"end":1790.745,"sentiment":"neutral","sentiment_score":0.05213737605911929},{"text":"Do you feel like at the moment you'd be comfortable staying in that high growth environment?","start":1791.765,"end":1796.64,"sentiment":"neutral","sentiment_score":0.008042011933866888},{"text":"Do you want me to maybe reevaluate that that reducing your risk level?","start":1796.7,"end":1800.5399,"sentiment":"neutral","sentiment_score":-0.008774459218749633},{"text":"How do you feel about that?","start":1800.5399,"end":1802.24,"sentiment":"neutral","sentiment_score":-0.02122119938333829},{"text":"Yes.","start":1805.58,"end":1805.865,"sentiment":"neutral","sentiment_score":0.06453028321266174}],"sentiment":"neutral","sentiment_score":0.027135580862787636,"num_words":77,"start":1771.75,"end":1805.865},{"sentences":[{"text":"That's okay.","start":1806.985,"end":1807.785,"sentiment":"neutral","sentiment_score":0.11400068178772926},{"text":"That's absolutely fine.","start":1807.785,"end":1808.905,"sentiment":"neutral","sentiment_score":0.1934960683186849},{"text":"With the high growth kind of environment, you'd...","start":1808.905,"end":1811.3049,"sentiment":"neutral","sentiment_score":-0.009895255789160728},{"text":"We're generally...","start":1811.3049,"end":1811.965,"sentiment":"neutral","sentiment_score":-0.025979023426771164},{"text":"When we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return.","start":1812.025,"end":1822.23,"sentiment":"neutral","sentiment_score":0.0626848591773799}],"sentiment":"neutral","sentiment_score":0.057207704754546285,"num_words":48,"start":1806.985,"end":1822.23},{"sentences":[{"text":"We do know that with the ups and downs the market can provide, the likelihood of a negative return is around about one in every five years.","start":1822.93,"end":1830.4501,"sentiment":"neutral","sentiment_score":-0.21341621903357683},{"text":"So you still have that time horizon ahead of you as long as you're comfortable with the volatility that your portfolio can see.","start":1830.4501,"end":1838.025,"sentiment":"neutral","sentiment_score":-0.05406797175174174},{"text":"And I'm here to sort of talk you through it so you can, you know, catch up more regularly to look at how things are progressing and make changes as need be.","start":1838.485,"end":1845.785,"sentiment":"neutral","sentiment_score":0.20469618611969054},{"text":"But you're still fairly comfortable with that.","start":1846.9701,"end":1848.81,"sentiment":"neutral","sentiment_score":0.2758223456995828},{"text":"Did you wanna go through the profile questionnaire and maybe look at altering or checking on that?","start":1848.81,"end":1854.25,"sentiment":"neutral","sentiment_score":0.17131519712069454}],"sentiment":"neutral","sentiment_score":0.04139237228851273,"num_words":106,"start":1822.93,"end":1854.25},{"sentences":[{"text":"Are you still fairly comfortable with it?","start":1854.25,"end":1856.1901,"sentiment":"neutral","sentiment_score":0.08764862694910594},{"text":"Yep.","start":1859.77,"end":1860.135,"sentiment":"neutral","sentiment_score":0.1871377229690552},{"text":"Not a problem at all.","start":1861.495,"end":1862.535,"sentiment":"neutral","sentiment_score":0.29067113995552063},{"text":"I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel?","start":1862.535,"end":1877.86,"sentiment":"neutral","sentiment_score":0.011112676390136281},{"text":"Do you think you'd be going, hey.","start":1877.86,"end":1879.14,"sentiment":"neutral","sentiment_score":0.04351524902241571}],"sentiment":"neutral","sentiment_score":0.045471309136380166,"num_words":68,"start":1854.25,"end":1879.14},{"sentences":[{"text":"This could be a buying opportunity.","start":1879.14,"end":1880.6,"sentiment":"neutral","sentiment_score":0.2075913945833842},{"text":"Let's put some money in.","start":1880.66,"end":1882.12,"sentiment":"neutral","sentiment_score":0.13232578039169313},{"text":"Are you probably maybe calling us and saying, what were you suggesting you're a little bit concerned, or are you really feeling very anxious about it and wanting to move your money into cash?","start":1882.5,"end":1892.375,"sentiment":"neutral","sentiment_score":-0.09810989109032295},{"text":"How do you think you might feel?","start":1892.755,"end":1894.375,"sentiment":"neutral","sentiment_score":-0.04122104176453182},{"text":"See what we say.","start":1899.0751,"end":1900.215,"sentiment":"neutral","sentiment_score":0.039850445464253426}],"sentiment":"neutral","sentiment_score":-0.027816152466194972,"num_words":56,"start":1879.14,"end":1900.215},{"sentences":[{"text":"Yep.","start":1901.555,"end":1902.055,"sentiment":"neutral","sentiment_score":-0.0329199843108654},{"text":"No.","start":1903.0751,"end":1903.3151,"sentiment":"neutral","sentiment_score":-0.09873005747795104},{"text":"That's okay.","start":1903.3151,"end":1903.955,"sentiment":"neutral","sentiment_score":0.006803110241889954},{"text":"That's yeah.","start":1903.955,"end":1905.01,"sentiment":"neutral","sentiment_score":0.06824810057878494},{"text":"No.","start":1905.01,"end":1905.33,"sentiment":"neutral","sentiment_score":0.001146603375673294}],"sentiment":"neutral","sentiment_score":0.002799854746886662,"num_words":7,"start":1901.555,"end":1905.33},{"sentences":[{"text":"Look.","start":1905.33,"end":1905.57,"sentiment":"neutral","sentiment_score":0.15452146530151367},{"text":"That's perfectly fine.","start":1905.57,"end":1906.37,"sentiment":"positive","sentiment_score":0.4753826955954234},{"text":"It's a really good answer.","start":1906.37,"end":1907.59,"sentiment":"positive","sentiment_score":0.6253945469856262},{"text":"And what I kinda wanna make sure we do moving forward is have those catch ups with you.","start":1908.05,"end":1911.8099,"sentiment":"positive","sentiment_score":0.3410127568576071},{"text":"So maybe once every six months in between the annual review.","start":1911.8099,"end":1915.01,"sentiment":"neutral","sentiment_score":0.1773123023184863}],"sentiment":"positive","sentiment_score":0.33674492726200506,"num_words":38,"start":1905.33,"end":1915.01},{"sentences":[{"text":"We just check-in to see how things are going for you.","start":1915.01,"end":1917.41,"sentiment":"neutral","sentiment_score":0.2827447686683048},{"text":"Are there any changes, give you a bit of an update on your paper, and that way you get a little bit more contact, and we can make changes more regularly if we need to.","start":1917.41,"end":1925.635,"sentiment":"neutral","sentiment_score":0.04943954766328846},{"text":"Does that sound preferable to you?","start":1925.635,"end":1927.655,"sentiment":"neutral","sentiment_score":0.03969960659742355},{"text":"Yep.","start":1929.475,"end":1929.875,"sentiment":"neutral","sentiment_score":0.32629621028900146},{"text":"Beautiful.","start":1929.875,"end":1930.375,"sentiment":"positive","sentiment_score":0.7533752918243408}],"sentiment":"neutral","sentiment_score":0.11404529194933949,"num_words":54,"start":1915.01,"end":1930.375},{"sentences":[{"text":"Fantastic.","start":1930.515,"end":1931.015,"sentiment":"positive","sentiment_score":0.7275687456130981},{"text":"Now the last couple of documents we do have in the annual review pack there are the Vanguard index chart.","start":1932.21,"end":1938.53,"sentiment":"neutral","sentiment_score":0.1565559208393097},{"text":"It just shows you how markets move up and down and why we invest the way we do.","start":1938.53,"end":1943.03,"sentiment":"neutral","sentiment_score":0.11780192413263851},{"text":"It's about showing that to get good returns, we do take on a little bit of risk.","start":1943.41,"end":1947.195,"sentiment":"neutral","sentiment_score":0.10772001896710957},{"text":"We have to take a certain amount of risk to get the returns thereafter.","start":1947.355,"end":1950.735,"sentiment":"neutral","sentiment_score":0.018138021230697632}],"sentiment":"neutral","sentiment_score":0.11520420594939164,"num_words":70,"start":1930.515,"end":1950.735},{"sentences":[{"text":"However, as you get closer to accessing super, you're gonna probably feel a little bit more risk averse.","start":1951.195,"end":1956.495,"sentiment":"neutral","sentiment_score":-0.1022442921789156},{"text":"So there'll be a point when we start maybe reducing the risk level a little bit for you.","start":1956.5549,"end":1961.695,"sentiment":"neutral","sentiment_score":0.009466624715261988},{"text":"But this sort of shows you how markets react.","start":1961.86,"end":1964.0199,"sentiment":"neutral","sentiment_score":0.088979405661424},{"text":"They are always up and down, but over the longer term, we tend to see really good market reactions out of our growth assets.","start":1964.0199,"end":1970.74,"sentiment":"neutral","sentiment_score":0.17538147140294313},{"text":"That's why we are generally comfortable taking the amount of risk.","start":1970.74,"end":1974.12,"sentiment":"neutral","sentiment_score":0.11785628037019209}],"sentiment":"neutral","sentiment_score":0.05795488792937249,"num_words":80,"start":1951.195,"end":1974.12},{"sentences":[{"text":"That is the next document along.","start":1975.0349,"end":1976.475,"sentiment":"neutral","sentiment_score":0.06673148709038894},{"text":"I know it's a lot to look at, but do you have any questions about any of that on that document?","start":1976.475,"end":1980.6349,"sentiment":"neutral","sentiment_score":0.04153904301070031},{"text":"Did you want me to break it down a little bit more for you?","start":1980.6349,"end":1983.4349,"sentiment":"neutral","sentiment_score":0.012683522554912738},{"text":"Or...","start":1983.4349,"end":1983.9349,"sentiment":"neutral","sentiment_score":0.004114499315619469},{"text":"No.","start":1985.835,"end":1985.995,"sentiment":"neutral","sentiment_score":-0.01564027927815914}],"sentiment":"neutral","sentiment_score":0.033459357245890206,"num_words":43,"start":1975.0349,"end":1985.995},{"sentences":[{"text":"That's okay.","start":1985.995,"end":1986.8949,"sentiment":"neutral","sentiment_score":0.043932124972343445},{"text":"The next one in there is the OCE Financial Services Guide.","start":1988.2699,"end":1991.5499,"sentiment":"neutral","sentiment_score":0.06467632813887163},{"text":"It outlines everything about who we are, what we do, and how we do it.","start":1991.5499,"end":1994.9099,"sentiment":"neutral","sentiment_score":0.11220345199108124},{"text":"It's got a lovely glossy photo of me in there for you and my licensing information as a licensed adviser for you there as well.","start":1994.9099,"end":2001.73,"sentiment":"neutral","sentiment_score":0.18359046876430513},{"text":"The document after that is the ongoing service agreement for the next twelve months there.","start":2003.5349,"end":2007.7749,"sentiment":"neutral","sentiment_score":0.09159105916817983}],"sentiment":"neutral","sentiment_score":0.12420563597012968,"num_words":68,"start":1985.995,"end":2007.7749},{"sentences":[{"text":"And, of course, if you're happy to stay on board, we do get you to sign and return this one back for us.","start":2007.7749,"end":2012.6549,"sentiment":"neutral","sentiment_score":0.16678403026383856},{"text":"Essentially, with our ongoing service fee, it is a percentage based fee effective.","start":2012.6549,"end":2017.1799,"sentiment":"neutral","sentiment_score":0.08018800215079235},{"text":"It has changed a little bit in the last couple of years.","start":2017.1799,"end":2020.0,"sentiment":"neutral","sentiment_score":0.052878047029177346},{"text":"Our ongoing service fee is now calculated based on an amount of funds that we manage for you.","start":2020.7,"end":2026.4,"sentiment":"neutral","sentiment_score":0.0672777628319131},{"text":"We use a tiered structure now.","start":2026.62,"end":2028.475,"sentiment":"neutral","sentiment_score":0.05551087173322836}],"sentiment":"neutral","sentiment_score":0.09801497569100724,"num_words":72,"start":2007.7749,"end":2028.475},{"sentences":[{"text":"So different fees and rates apply to the different level of funds under management.","start":2028.475,"end":2034.335,"sentiment":"neutral","sentiment_score":0.035420198791793416},{"text":"Essentially, where the...","start":2034.475,"end":2036.635,"sentiment":"neutral","sentiment_score":0.0020109242759644985},{"text":"Once applicable fee has been calculated, set at 1.65%.","start":2036.635,"end":2040.715,"sentiment":"neutral","sentiment_score":0.012169745336804125},{"text":"We now have it as a peer structure.","start":2040.715,"end":2042.94,"sentiment":"neutral","sentiment_score":0.04261899320408702},{"text":"So when your balance hits 200,000, the amount over 200,000 is calculated at the lower tier of 1.375.","start":2042.94,"end":2051.34,"sentiment":"neutral","sentiment_score":0.029786954685631726}],"sentiment":"neutral","sentiment_score":0.028626161421505876,"num_words":52,"start":2028.475,"end":2051.34},{"sentences":[{"text":"And then when your super balance hits that $500,000 mark, the amount over that is calculated 1.50.","start":2051.34,"end":2057.44,"sentiment":"neutral","sentiment_score":0.02723923566586831},{"text":"So, essentially, as your due balance increases, the amount we calculate your ongoing service fee at, it starts to decrease through the tiers a little bit like the tax system.","start":2057.855,"end":2068.4348,"sentiment":"neutral","sentiment_score":-0.0026618015641967454},{"text":"It kinda decreases through the tiers a little bit.","start":2068.4949,"end":2070.7349,"sentiment":"neutral","sentiment_score":0.04764548440774282},{"text":"So it's providing more of an advantage for you.","start":2070.7349,"end":2073.2349,"sentiment":"positive","sentiment_score":0.4202076858944363},{"text":"It's also about making sure you understand a little bit more visibility on how much you'll pay.","start":2073.8901,"end":2079.1702,"sentiment":"neutral","sentiment_score":0.22160556035883286}],"sentiment":"neutral","sentiment_score":0.1019656831489467,"num_words":82,"start":2051.34,"end":2079.1702},{"sentences":[{"text":"So we used to tell you it was 1.65%, and that the estimated fee based on this amount was how much to pay.","start":2079.1702,"end":2087.125,"sentiment":"neutral","sentiment_score":0.0567710561596829},{"text":"We now calculate that fee as a set dollar figure fee, so you'll never pay more than what is on that document for you each year.","start":2087.265,"end":2096.005,"sentiment":"neutral","sentiment_score":0.12679524490466484},{"text":"If you get, you know, a 20% return over and above that, it doesn't then factor into the ongoing severities for that year.","start":2096.145,"end":2103.1602,"sentiment":"neutral","sentiment_score":0.07679511023604352},{"text":"So it's just about making sure you've got more visibility, but also making sure it's a little bit fairer.","start":2103.1602,"end":2108.52,"sentiment":"neutral","sentiment_score":0.1695663670175954},{"text":"I mean, we wanna, you know, make sure as your balance grows that while we're able to, you know, make the money from looking after everything that you're making that you're getting benefits from that and reducing our fees as your balance gets bigger does 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questions?","start":2127.855,"end":2129.075,"sentiment":"neutral","sentiment_score":0.048750492930412295},{"text":"Beautiful.","start":2131.7,"end":2132.18,"sentiment":"positive","sentiment_score":0.6237887740135193},{"text":"Beautiful.","start":2132.18,"end":2132.68,"sentiment":"positive","sentiment_score":0.5579084157943726}],"sentiment":"positive","sentiment_score":0.41817983433052347,"num_words":27,"start":2122.095,"end":2132.68},{"sentences":[{"text":"So this document shows this year, it'll be $4,060.35.","start":2132.74,"end":2137.6199,"sentiment":"neutral","sentiment_score":0.11029558214876387},{"text":"Nothing over that.","start":2137.6199,"end":2138.92,"sentiment":"neutral","sentiment_score":0.14436321953932443},{"text":"You're welcome to have a read through the documents.","start":2139.38,"end":2141.46,"sentiment":"neutral","sentiment_score":0.24958678086598715},{"text":"If you find you have any questions, let me know.","start":2141.46,"end":2144.04,"sentiment":"neutral","sentiment_score":0.13358524218201637},{"text":"The last document attached is the tax file opt in form.","start":2144.385,"end":2147.425,"sentiment":"neutral","sentiment_score":0.0473170361735604}],"sentiment":"neutral","sentiment_score":0.1316278748923824,"num_words":42,"start":2132.74,"end":2147.425},{"sentences":[{"text":"So we do hold your tax phone number, but we just wanna update all of our records to make sure you're aware that we hold your tax phone number and how and why we do so.","start":2147.425,"end":2155.845,"sentiment":"neutral","sentiment_score":0.04409255488361749},{"text":"This is an opt in form, and we just get you to sign and return that back with the ongoing service agreement there.","start":2156.385,"end":2162.57,"sentiment":"neutral","sentiment_score":0.059970570971136505},{"text":"Do you have any questions in relation to any of those documents or anything else that I've gone through at all?","start":2163.51,"end":2168.81,"sentiment":"neutral","sentiment_score":0.02945356106474286},{"text":"No.","start":2170.935,"end":2171.175,"sentiment":"neutral","sentiment_score":-0.013921678066253662},{"text":"Beautiful.","start":2171.175,"end":2171.675,"sentiment":"neutral","sentiment_score":0.1943592429161072}],"sentiment":"neutral","sentiment_score":0.04592216408970516,"num_words":82,"start":2147.425,"end":2171.675},{"sentences":[{"text":"Basically, just to kind of recap, I'm gonna go back and have a look at your supervisor portfolio.","start":2172.615,"end":2176.715,"sentiment":"neutral","sentiment_score":0.09708086318439907},{"text":"You'll have to stay in that high growth environment a little bit longer.","start":2177.175,"end":2180.475,"sentiment":"neutral","sentiment_score":0.08706663606258538},{"text":"I'll look at reducing fees where possible within the portfolio for you, and I'll also look at the estimated product we have to see if that can provide benefits so that we can kind of make changes as needed without having to, you know, continuously provide advice to you.","start":2180.5352,"end":2196.09,"sentiment":"neutral","sentiment_score":0.19119436613151006},{"text":"Does that sound accurate?","start":2196.47,"end":2197.6702,"sentiment":"neutral","sentiment_score":0.13572454638779163},{"text":"Have I missed anything?","start":2197.6702,"end":2198.71,"sentiment":"neutral","sentiment_score":0.004733992740511894}],"sentiment":"neutral","sentiment_score":0.14556454435329547,"num_words":88,"start":2172.615,"end":2198.71},{"sentences":[{"text":"Is there anything else you think you would like me to look at for you?","start":2198.71,"end":2202.01,"sentiment":"neutral","sentiment_score":0.029026953503489494},{"text":"Yeah.","start":2204.845,"end":2205.325,"sentiment":"positive","sentiment_score":0.34733182191848755},{"text":"Beautiful.","start":2205.325,"end":2205.825,"sentiment":"positive","sentiment_score":0.6067181825637817},{"text":"Lovely.","start":2205.885,"end":2206.285,"sentiment":"positive","sentiment_score":0.578133761882782},{"text":"Well, you're welcome to take some time to review the documents there, Nicole.","start":2206.285,"end":2209.265,"sentiment":"positive","sentiment_score":0.46115989409960234}],"sentiment":"neutral","sentiment_score":0.25686021587781366,"num_words":31,"start":2198.71,"end":2209.265},{"sentences":[{"text":"Once you have, we'll just ask you to sign each of those and return them back just so we can get the advice updated for you and provide everything and keep working hard for you.","start":2209.325,"end":2217.66,"sentiment":"positive","sentiment_score":0.511584952047893},{"text":"All good.","start":2217.9,"end":2219.3599,"sentiment":"positive","sentiment_score":0.4836147427558899},{"text":"Beautiful.","start":2220.5398,"end":2221.02,"sentiment":"positive","sentiment_score":0.44700562953948975},{"text":"Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you.","start":2221.02,"end":2228.48,"sentiment":"neutral","sentiment_score":0.16862669785817463},{"text":"It generally takes me about four to five weeks to put everything together and do the research.","start":2228.78,"end":2233.28,"sentiment":"neutral","sentiment_score":0.09701347701689776}],"sentiment":"neutral","sentiment_score":0.30620868802070617,"num_words":85,"start":2209.325,"end":2233.28},{"sentences":[{"text":"Is there a day or time that normally suits you better?","start":2233.745,"end":2236.405,"sentiment":"neutral","sentiment_score":0.04525312679735097},{"text":"Yeah.","start":2252.64,"end":2253.14,"sentiment":"neutral","sentiment_score":0.0608554482460022},{"text":"Absolutely.","start":2253.3599,"end":2253.8599,"sentiment":"neutral","sentiment_score":0.08285899460315704},{"text":"So if I pop it in maybe for, say, three...","start":2254.48,"end":2257.22,"sentiment":"neutral","sentiment_score":0.053341617435216905},{"text":"I do 03:00 on Thursday, the twenty ninth.","start":2257.92,"end":2261.375,"sentiment":"neutral","sentiment_score":0.03287416114471853}],"sentiment":"neutral","sentiment_score":0.046384138746127006,"num_words":31,"start":2233.745,"end":2261.375},{"sentences":[{"text":"Would that be okay?","start":2261.375,"end":2262.355,"sentiment":"neutral","sentiment_score":0.053911617025732994},{"text":"Yep.","start":2264.2551,"end":2264.655,"sentiment":"neutral","sentiment_score":0.25514230132102966},{"text":"Beautiful.","start":2264.655,"end":2265.155,"sentiment":"positive","sentiment_score":0.460829496383667},{"text":"I'll pop that one in there for 03:00 there for you.","start":2265.215,"end":2267.695,"sentiment":"neutral","sentiment_score":0.23552054166793823},{"text":"I'll send a text message reminder because it is a couple of weeks away, but the text message will just let you know that we're calling.","start":2267.695,"end":2273.67,"sentiment":"neutral","sentiment_score":0.16816470514123255}],"sentiment":"neutral","sentiment_score":0.1835959664610929,"num_words":43,"start":2261.375,"end":2273.67},{"sentences":[{"text":"If anything comes up and that time doesn't work for you, you're welcome to let me know.","start":2273.67,"end":2277.85,"sentiment":"neutral","sentiment_score":0.1445862574995879},{"text":"But I'll have the advice ready to go then for you, and I'll do the research about updating your portfolio.","start":2277.99,"end":2282.49,"sentiment":"neutral","sentiment_score":0.24642382711172103},{"text":"Okay?","start":2282.95,"end":2283.45,"sentiment":"neutral","sentiment_score":0.07600715756416321},{"text":"Oh, lovely.","start":2286.145,"end":2286.625,"sentiment":"positive","sentiment_score":0.7170697152614594},{"text":"Thank you so much for your time, Nicole.","start":2286.625,"end":2288.3052,"sentiment":"positive","sentiment_score":0.8727099969983101}],"sentiment":"neutral","sentiment_score":0.33079728091252036,"num_words":48,"start":2273.67,"end":2288.3052},{"sentences":[{"text":"It's been a pleasure.","start":2288.3052,"end":2289.185,"sentiment":"positive","sentiment_score":0.9132496267557144},{"text":"I look forward to putting this together for you.","start":2289.185,"end":2291.1052,"sentiment":"positive","sentiment_score":0.8855648703045316},{"text":"If you find anything comes up, you need any assistance, or have any questions, please let me know.","start":2291.1052,"end":2296.0852,"sentiment":"neutral","sentiment_score":0.32449271778265637},{"text":"If not, I'll talk to you on the twenty ninth.","start":2296.385,"end":2298.405,"sentiment":"neutral","sentiment_score":0.07912900540977716},{"text":"Oh, thank you so much for taking my call.","start":2301.1401,"end":2302.82,"sentiment":"positive","sentiment_score":0.7980393038855659}],"sentiment":"positive","sentiment_score":0.5087519009783864,"num_words":50,"start":2288.3052,"end":2302.82},{"sentences":[{"text":"I hope you have a lovely afternoon and a great weekend ahead.","start":2302.82,"end":2305.6401,"sentiment":"positive","sentiment_score":0.8161146839459738},{"text":"Thanks, Nicole.","start":2307.9402,"end":2308.74,"sentiment":"positive","sentiment_score":0.6352049112319946},{"text":"Talk to you soon.","start":2308.74,"end":2309.3801,"sentiment":"positive","sentiment_score":0.49629805982112885},{"text":"See you later.","start":2309.3801,"end":2310.1,"sentiment":"positive","sentiment_score":0.3845120668411255},{"text":"Bye.","start":2310.1,"end":2310.6,"sentiment":"neutral","sentiment_score":-0.11880970746278764}],"sentiment":"positive","sentiment_score":0.6401683982800354,"num_words":22,"start":2302.82,"end":2310.6}]}}]},{"alternatives":[{"transcript":"Hello. Nicole speaking. Yes. What was it? Good. And you? Yeah. That's fine. Yeah. That's fine. Yeah. Nicole George Price, nineteen to eleven seventy four. Yep. Yeah. Good. Thank you. Yep. From Dana Taylor. Is it... What am I talking? Okay. No worries. Yep. Yep. Yep. Yes. Yep. Yep. Yep. No. I don't really know that sort of thing, so I'll take your word for it. Yes. Yep. Yep. And, obviously, you would say that there was a a $100 injected into that. So that doesn't really make much difference as far as what you guys do from your endo. Yes. Yes. Yep. No worries. Mhmm. I really have no idea, but if I'm paying, getting charged for something that I'm not using, then you might as well get rid of it unless you can... Think you can do more good than... With it. I don't know. Yep. Yeah. I don't even know what an active manager is. I didn't even know I was paying extra for that. Yep. Yep. Yeah. That sounds fine. Yes. Yep. Definitely. Yep. Yep. Yep. Definitely. Yeah. No. I've got no idea. So... No. I'd rather you guys do it. Yep. Yep. Not really. No. Yep. No. Not really. I've got a will in place. So, you know, my my husband passed away, so my kids just get everything anyway. That's alright. Yep. Yep. No. No. No. Yes. That's correct. Yep. Yeah. And I think I'm still putting in an extra 50 anyway from when I had it set up. So does it benefit me to just keep doing that? I don't notice the 50 going each time. So I guess the more going in, the better. Yes. Yes. I did... Yeah. I... That does ring a bell. I did try and do it, but I think when I send emails, I have to send it from my iCloud. I can't send it from my BigPond, and I think from memory that might have been part of the issue because I wasn't sending it from my BigPond, which was my registered email. But I just... I can't send emails from my phone from that email. So I think that's why maybe I couldn't do it, but I haven't actually done last year's tax return on me. You're behind anyway. Yep. So can that be done each year? Like, can that be noted that I just want it done each year without having to sign anything? Yep. Yep. Yep. Yeah. Great. Because I think it was my accountant that actually asked me to to do that because I changed accountants with all my legal bullshit that was going on. So I didn't even really know I had to do that. So that's great if you guys can just automatically do that. Yep. Great. Thank you. Yep. Perfect. Thank you. Yes. Any forms are terrible. Yep. Wouldn't have a clue. It's my first year of working back with an employer for a long time. So the hours varied a lot at the start, but now I've pretty much got my sort of fixed hours. So I'm I'm... I don't know. I'm roughly earning maybe 1,800 a week. So whatever that equates to a year. I haven't even really looked at it or worked it out. Okay. Been a bit of a over the shop lately. That's it. Yes. No. So there was a... I had a court, and I had a lot of bullshit going on with my ex, but that's finally settled. So the primary resident, 103 Bonaview, that's now actually just purely my house, not his anymore. And I think you had the other one down as Williams Road. That is not mine. That's his. So Yeah. We did try and sell both just to try and settle, but neither sold. So... Yep. That's correct. Yep. Yep. I think the last time I had to get a valuation for court, it was valued at $9.20. No. So I've got a loan of 250. Yeah. There was a lot of settlement bullshit. Well, yes. Yes. One way to look at it. Hyundai Tucson. I wouldn't think it'd be worth that now, especially with the car market, but it'd be at least, I'd say, 35 to 40. Yep. That's correct. Yep. I have got shares in some stuff, but I have no idea what they are where they are. It's something I need to kinda work on. Mhmm. But... Yeah. I don't even know how to go about even finding because my ex basically did all that and bought things for me, but I've got no idea. He's got all the paperwork. So I've actually got no idea what I've got. And I don't even know how to go about trying to find what shares I've got and what they're worth or anything. So I don't even know where to start with that. Yes. Yes. Yeah. The accountant, he was, yeah, he was pretty thorough this year because being a new one because I had the same one as my ex, so I had to change. But I I don't think there was any dividends as such, which means they probably lost money over the years. But he didn't mention any dividends, so I would assume haven't actually been worth much. I'd say if anything, they've probably bloody gone down. No. I I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address now, not because I haven't lived there a while. So I used to see... I remember seeing paperwork about it, but I'm pretty sure he's got all that. So I'd say that all that info goes to him and he'd just throw it out or... I'm assuming... I'm hoping he can't access it as such. But... Okay. Yep. Yeah. Okay. Yes. Yeah. I didn't even think about doing that over the last four years. Yeah. Yeah. No worries. Yes. Yeah. Okay. Yeah. No worries. Alright. I'll have a look into it and let you know. Alright. Yep. No. I think that's about it. No. Not happening. No. I haven't wound up the business as such because it's still gonna do a tax return, but it's not actually running anymore. I'm in the process of doing that. Yep. I don't know. I think so. Yes. Yeah. No. I have. I've noted my oldest daughter, Ella. She's... I think I've had... Yeah. Yeah. That's fine. Alright. Now would be great, but I don't see that happening in the near future. So, yeah, probably at least another ten, fifteen years, I'd say, at least. Yep. Yes. Yep. Yep. Yep. That's fine. Yep. No idea. Just an average. Yeah. Yeah. That's fine. Yep. That's fine. Yeah. No. Yeah. I'm just happy with that at the moment. Not really. Yep. Yeah. At this time. Yep. No. I'm happy with where it is at the moment with the high. Yep. Yeah. No. I'll go on your address. That's fine. Alrighty. I'd probably give you guys a call first and see what you think the best option is. But, yeah, I wouldn't be stressing too much. It's... Is what it is. Yeah. That's fine. Yep. No. That's fine. Yep. Yep. Yep. That's fine. No. No. I think that sounds pretty good. Yep. No. Not really either. No. It says they are those, like, before... After two and before four is normally pretty good somewhere in there. Yeah. That's fine. Yep. Yep. No. That's fine. Yep. No worries at all. No worries. You too. 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Nicole speaking. Yes. What was it? Good.\n\nAnd you? Yeah. That's fine. Yeah. That's fine.\n\nYeah. Nicole George Price, nineteen to eleven seventy four. Yep. Yeah. Good.\n\nThank you. Yep. From Dana Taylor. Is it... What am I talking?\n\nOkay. No worries. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yep. No.\n\nI don't really know that sort of thing, so I'll take your word for it. Yes. Yep. Yep. And, obviously, you would say that there was a a $100 injected into that.\n\nSo that doesn't really make much difference as far as what you guys do from your endo. Yes. Yes. Yep. No worries.\n\nMhmm. I really have no idea, but if I'm paying, getting charged for something that I'm not using, then you might as well get rid of it unless you can... Think you can do more good than... With it. I don't know.\n\nYep. Yeah. I don't even know what an active manager is. I didn't even know I was paying extra for that. Yep.\n\nYep. Yeah. That sounds fine. Yes. Yep.\n\nDefinitely. Yep. Yep. Yep. Definitely.\n\nYeah. No. I've got no idea. So... No.\n\nI'd rather you guys do it. Yep. Yep. Not really. No.\n\nYep. No. Not really. I've got a will in place. So, you know, my my husband passed away, so my kids just get everything anyway.\n\nThat's alright. Yep. Yep. No. No.\n\nNo. Yes. That's correct. Yep. Yeah.\n\nAnd I think I'm still putting in an extra 50 anyway from when I had it set up. So does it benefit me to just keep doing that? I don't notice the 50 going each time. So I guess the more going in, the better. Yes.\n\nYes. I did... Yeah. I... That does ring a bell.\n\nI did try and do it, but I think when I send emails, I have to send it from my iCloud. I can't send it from my BigPond, and I think from memory that might have been part of the issue because I wasn't sending it from my BigPond, which was my registered email. But I just... I can't send emails from my phone from that email. So I think that's why maybe I couldn't do it, but I haven't actually done last year's tax return on me.\n\nYou're behind anyway. Yep. So can that be done each year? Like, can that be noted that I just want it done each year without having to sign anything? Yep.\n\nYep. Yep. Yeah. Great. Because I think it was my accountant that actually asked me to to do that because I changed accountants with all my legal bullshit that was going on.\n\nSo I didn't even really know I had to do that. So that's great if you guys can just automatically do that. Yep. Great. Thank you.\n\nYep. Perfect. Thank you. Yes. Any forms are terrible.\n\nYep. Wouldn't have a clue. It's my first year of working back with an employer for a long time. So the hours varied a lot at the start, but now I've pretty much got my sort of fixed hours. So I'm I'm...\n\nI don't know. I'm roughly earning maybe 1,800 a week. So whatever that equates to a year. I haven't even really looked at it or worked it out. Okay.\n\nBeen a bit of a over the shop lately. That's it. Yes. No. So there was a...\n\nI had a court, and I had a lot of bullshit going on with my ex, but that's finally settled. So the primary resident, 103 Bonaview, that's now actually just purely my house, not his anymore. And I think you had the other one down as Williams Road. That is not mine. That's his.\n\nSo Yeah. We did try and sell both just to try and settle, but neither sold. So... Yep. That's correct.\n\nYep. Yep. I think the last time I had to get a valuation for court, it was valued at $9.20. No. So I've got a loan of 250.\n\nYeah. There was a lot of settlement bullshit. Well, yes. Yes. One way to look at it.\n\nHyundai Tucson. I wouldn't think it'd be worth that now, especially with the car market, but it'd be at least, I'd say, 35 to 40. Yep. That's correct. Yep.\n\nI have got shares in some stuff, but I have no idea what they are where they are. It's something I need to kinda work on. Mhmm. But... Yeah.\n\nI don't even know how to go about even finding because my ex basically did all that and bought things for me, but I've got no idea. He's got all the paperwork. So I've actually got no idea what I've got. And I don't even know how to go about trying to find what shares I've got and what they're worth or anything. So I don't even know where to start with that.\n\nYes. Yes. Yeah. The accountant, he was, yeah, he was pretty thorough this year because being a new one because I had the same one as my ex, so I had to change. But I I don't think there was any dividends as such, which means they probably lost money over the years.\n\nBut he didn't mention any dividends, so I would assume haven't actually been worth much. I'd say if anything, they've probably bloody gone down. No. I I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address now, not because I haven't lived there a while. So I used to see...\n\nI remember seeing paperwork about it, but I'm pretty sure he's got all that. So I'd say that all that info goes to him and he'd just throw it out or... I'm assuming... I'm hoping he can't access it as such. But...\n\nOkay. Yep. Yeah. Okay. Yes.\n\nYeah. I didn't even think about doing that over the last four years. Yeah. Yeah. No worries.\n\nYes. Yeah. Okay. Yeah. No worries.\n\nAlright. I'll have a look into it and let you know. Alright. Yep. No.\n\nI think that's about it. No. Not happening. No. I haven't wound up the business as such because it's still gonna do a tax return, but it's not actually running anymore.\n\nI'm in the process of doing that. Yep. I don't know. I think so. Yes.\n\nYeah. No. I have. I've noted my oldest daughter, Ella. She's...\n\nI think I've had... Yeah. Yeah. That's fine. Alright.\n\nNow would be great, but I don't see that happening in the near future. So, yeah, probably at least another ten, fifteen years, I'd say, at least. Yep. Yes. Yep.\n\nYep. Yep. That's fine. Yep. No idea.\n\nJust an average. Yeah. Yeah. That's fine. Yep.\n\nThat's fine. Yeah. No. Yeah. I'm just happy with that at the moment.\n\nNot really. Yep. Yeah. At this time. Yep.\n\nNo. I'm happy with where it is at the moment with the high. Yep. Yeah. No.\n\nI'll go on your address. That's fine. Alrighty. I'd probably give you guys a call first and see what you think the best option is. But, yeah, I wouldn't be stressing too much.\n\nIt's... Is what it is. Yeah. That's fine. Yep.\n\nNo. That's fine. Yep. Yep. Yep.\n\nThat's fine. No. No. I think that sounds pretty good. Yep.\n\nNo. Not really either. No. It says they are those, like, before... After two and before four is normally pretty good somewhere in there.\n\nYeah. That's fine. Yep. Yep. No.\n\nThat's fine. Yep. No worries at all. No worries. You too.\n\nThanks.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.32,"sentiment":"neutral","sentiment_score":0.019877294078469276},{"text":"Nicole speaking.","start":2.32,"end":3.22,"sentiment":"neutral","sentiment_score":0.02041283156722784},{"text":"Yes.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.05836760997772217},{"text":"What was it?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.062405300637086235},{"text":"Good.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.437997043132782}],"sentiment":"neutral","sentiment_score":0.09303543902933598,"num_words":8,"start":1.92,"end":8.72},{"sentences":[{"text":"And you?","start":8.72,"end":9.38,"sentiment":"neutral","sentiment_score":0.2905697673559189},{"text":"Yeah.","start":15.755,"end":15.995,"sentiment":"neutral","sentiment_score":0.1698904037475586},{"text":"That's 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don't really know that sort of thing, so I'll take your word for it.","start":320.28,"end":324.06,"sentiment":"neutral","sentiment_score":-0.13630041480064392},{"text":"Yes.","start":329.745,"end":330.245,"sentiment":"positive","sentiment_score":0.4492018520832062},{"text":"Yep.","start":335.025,"end":335.525,"sentiment":"neutral","sentiment_score":0.204318106174469},{"text":"Yep.","start":346.77002,"end":347.17,"sentiment":"neutral","sentiment_score":0.06923966109752655},{"text":"And, obviously, you would say that there was a a $100 injected into that.","start":347.17,"end":351.65,"sentiment":"neutral","sentiment_score":0.006584886195404189}],"sentiment":"neutral","sentiment_score":-0.03842369362246245,"num_words":32,"start":320.28,"end":351.65},{"sentences":[{"text":"So that doesn't really make much difference as far as what you guys do from your 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correct.","start":795.62,"end":796.34,"sentiment":"neutral","sentiment_score":0.055520787835121155},{"text":"Yep.","start":796.34,"end":796.84,"sentiment":"neutral","sentiment_score":0.05809385329484939},{"text":"Yeah.","start":806.9,"end":807.4,"sentiment":"neutral","sentiment_score":0.13310419023036957}],"sentiment":"neutral","sentiment_score":0.04100597836077213,"num_words":6,"start":789.575,"end":807.4},{"sentences":[{"text":"And I think I'm still putting in an extra 50 anyway from when I had it set up.","start":807.885,"end":812.445,"sentiment":"neutral","sentiment_score":0.022194563773357205},{"text":"So does it benefit me to just keep doing that?","start":812.445,"end":815.645,"sentiment":"neutral","sentiment_score":0.053421147540211676},{"text":"I don't notice the 50 going each time.","start":815.645,"end":819.565,"sentiment":"neutral","sentiment_score":-0.08219611831009388},{"text":"So I guess the more going in, the 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a...","start":1061.24,"end":1062.38,"sentiment":"neutral","sentiment_score":-0.06822187080979347}],"sentiment":"neutral","sentiment_score":-0.024223367409671053,"num_words":17,"start":1016.315,"end":1062.38},{"sentences":[{"text":"I had a court, and I had a lot of bullshit going on with my ex, but that's finally settled.","start":1062.52,"end":1067.6849,"sentiment":"neutral","sentiment_score":-0.16338012292981147},{"text":"So the primary resident, 103 Bonaview, that's now actually just purely my house, not his anymore.","start":1067.6849,"end":1075.705,"sentiment":"neutral","sentiment_score":-0.10640509473159909},{"text":"And I think you had the other one down as Williams Road.","start":1076.085,"end":1078.725,"sentiment":"neutral","sentiment_score":-0.028285527601838112},{"text":"That is not mine.","start":1078.725,"end":1080.005,"sentiment":"neutral","sentiment_score":-0.12574388273060322},{"text":"That's 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correct.","start":1107.845,"end":1108.59,"sentiment":"neutral","sentiment_score":0.04665810614824295}],"sentiment":"neutral","sentiment_score":-0.03159428029321134,"num_words":20,"start":1081.365,"end":1108.59},{"sentences":[{"text":"Yep.","start":1108.59,"end":1109.09,"sentiment":"neutral","sentiment_score":0.04343857616186142},{"text":"Yep.","start":1118.19,"end":1118.69,"sentiment":"neutral","sentiment_score":0.022549573332071304},{"text":"I think the last time I had to get a valuation for court, it was valued at $9.20.","start":1119.63,"end":1124.275,"sentiment":"neutral","sentiment_score":-0.004855543426755402},{"text":"No.","start":1136.25,"end":1136.7301,"sentiment":"neutral","sentiment_score":-0.045966215431690216},{"text":"So I've got a loan of 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Tucson.","start":1164.09,"end":1171.3175,"sentiment":"neutral","sentiment_score":0.09575709328055382},{"text":"I wouldn't think it'd be worth that now, especially with the car market, but it'd be at least, I'd say, 35 to 40.","start":1177.545,"end":1187.5651,"sentiment":"neutral","sentiment_score":-0.062320123517723834},{"text":"Yep.","start":1188.8251,"end":1189.3251,"sentiment":"neutral","sentiment_score":0.10182329267263412},{"text":"That's correct.","start":1193.2401,"end":1193.8,"sentiment":"neutral","sentiment_score":0.1522291675209999},{"text":"Yep.","start":1193.8,"end":1194.3,"sentiment":"neutral","sentiment_score":0.15159153938293457}],"sentiment":"neutral","sentiment_score":-0.0235853616292749,"num_words":29,"start":1164.09,"end":1194.3},{"sentences":[{"text":"I have got shares in some stuff, but I have no idea what they are where they are.","start":1203.7201,"end":1209.725,"sentiment":"neutral","sentiment_score":-0.157952052851518},{"text":"It's something I need to kinda 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got.","start":1231.5499,"end":1234.0299,"sentiment":"negative","sentiment_score":-0.42571766177813214},{"text":"And I don't even know how to go about trying to find what shares I've got and what they're worth or anything.","start":1234.0299,"end":1241.605,"sentiment":"neutral","sentiment_score":-0.2818741229447452},{"text":"So I don't even know where to start with that.","start":1241.605,"end":1243.9451,"sentiment":"neutral","sentiment_score":-0.12694029696285725}],"sentiment":"neutral","sentiment_score":-0.26833347348521835,"num_words":73,"start":1220.205,"end":1243.9451},{"sentences":[{"text":"Yes.","start":1264.715,"end":1265.215,"sentiment":"neutral","sentiment_score":0.190566286444664},{"text":"Yes.","start":1272.955,"end":1273.455,"sentiment":"neutral","sentiment_score":0.1293182373046875},{"text":"Yeah.","start":1300.035,"end":1300.535,"sentiment":"neutral","sentiment_score":0.03621348366141319},{"text":"The accountant, he was, yeah, he was pretty thorough this year because being a new one because I had the same one as my ex, so I had to change.","start":1300.595,"end":1308.57,"sentiment":"neutral","sentiment_score":-0.17147708758711816},{"text":"But I I don't think there was any dividends as such, which means they probably lost money over the years.","start":1308.57,"end":1315.85,"sentiment":"negative","sentiment_score":-0.3628288239240646}],"sentiment":"neutral","sentiment_score":-0.22726020940913344,"num_words":53,"start":1264.715,"end":1315.85},{"sentences":[{"text":"But he didn't mention any dividends, so I would assume haven't actually been worth much.","start":1315.85,"end":1324.555,"sentiment":"neutral","sentiment_score":-0.27055886536836626},{"text":"I'd say if anything, they've probably bloody gone down.","start":1324.555,"end":1327.055,"sentiment":"negative","sentiment_score":-0.4839459757010142},{"text":"No.","start":1347.73,"end":1348.23,"sentiment":"neutral","sentiment_score":-0.11373293399810792},{"text":"I I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address now, not because I haven't lived there a while.","start":1348.45,"end":1358.4451,"sentiment":"neutral","sentiment_score":-0.10978091169487346},{"text":"So I used to see...","start":1358.4451,"end":1361.825,"sentiment":"neutral","sentiment_score":-0.08127309679985047}],"sentiment":"neutral","sentiment_score":-0.19931373437718738,"num_words":63,"start":1315.85,"end":1361.825},{"sentences":[{"text":"I remember seeing paperwork about it, but I'm pretty sure he's got all that.","start":1362.365,"end":1367.405,"sentiment":"neutral","sentiment_score":-0.13373825486217225},{"text":"So I'd say that all that info goes to him and he'd just throw it out or...","start":1367.405,"end":1372.11,"sentiment":"neutral","sentiment_score":-0.13496388670276194},{"text":"I'm assuming...","start":1372.73,"end":1373.53,"sentiment":"neutral","sentiment_score":-0.13850215822458267},{"text":"I'm hoping he can't access it as 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didn't even think about doing that over the last four years.","start":1414.5249,"end":1417.985,"sentiment":"neutral","sentiment_score":-0.048289574682712555},{"text":"Yeah.","start":1423.11,"end":1423.61,"sentiment":"neutral","sentiment_score":0.19945785403251648},{"text":"Yeah.","start":1430.79,"end":1431.19,"sentiment":"neutral","sentiment_score":0.06047975644469261},{"text":"No worries.","start":1431.19,"end":1431.93,"sentiment":"neutral","sentiment_score":0.043989529833197594}],"sentiment":"neutral","sentiment_score":-0.0114732266348951,"num_words":17,"start":1414.125,"end":1431.93},{"sentences":[{"text":"Yes.","start":1432.39,"end":1432.89,"sentiment":"neutral","sentiment_score":0.05974162742495537},{"text":"Yeah.","start":1440.675,"end":1441.0751,"sentiment":"neutral","sentiment_score":0.023730985820293427},{"text":"Okay.","start":1441.0751,"end":1441.5751,"sentiment":"neutral","sentiment_score":0.0232207290828228},{"text":"Yeah.","start":1442.915,"end":1443.235,"sentiment":"neutral","sentiment_score":0.024062760174274445},{"text":"No worries.","start":1443.235,"end":1443.795,"sentiment":"neutral","sentiment_score":0.03603455424308777}],"sentiment":"neutral","sentiment_score":0.033804201831420265,"num_words":6,"start":1432.39,"end":1443.795},{"sentences":[{"text":"Alright.","start":1443.795,"end":1444.035,"sentiment":"neutral","sentiment_score":0.055224042385816574},{"text":"I'll have a look into it and let you know.","start":1444.035,"end":1446.295,"sentiment":"neutral","sentiment_score":0.046206666901707646},{"text":"Alright.","start":1446.8351,"end":1447.3351,"sentiment":"neutral","sentiment_score":0.12058746069669724},{"text":"Yep.","start":1452.31,"end":1452.81,"sentiment":"neutral","sentiment_score":0.12565699219703674},{"text":"No.","start":1462.55,"end":1462.79,"sentiment":"neutral","sentiment_score":-0.03717369958758354}],"sentiment":"neutral","sentiment_score":0.05188296176493168,"num_words":14,"start":1443.795,"end":1462.79},{"sentences":[{"text":"I think that's about 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fine.","start":1542.5701,"end":1543.39,"sentiment":"neutral","sentiment_score":0.2642868384718895},{"text":"Alright.","start":1547.4501,"end":1547.9501,"sentiment":"neutral","sentiment_score":0.25797268748283386}],"sentiment":"neutral","sentiment_score":0.11673505262782176,"num_words":9,"start":1534.035,"end":1547.9501},{"sentences":[{"text":"Now would be great, but I don't see that happening in the near future.","start":1568.13,"end":1572.55,"sentiment":"neutral","sentiment_score":-0.2190471174461501},{"text":"So, yeah, probably at least another ten, fifteen years, I'd say, at 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fine.","start":1687.38,"end":1688.2,"sentiment":"neutral","sentiment_score":0.23242637515068054},{"text":"Yeah.","start":1706.665,"end":1706.985,"sentiment":"neutral","sentiment_score":0.04269777238368988},{"text":"No.","start":1706.985,"end":1707.485,"sentiment":"neutral","sentiment_score":-0.01616361364722252},{"text":"Yeah.","start":1707.545,"end":1707.705,"sentiment":"neutral","sentiment_score":0.05184435844421387},{"text":"I'm just happy with that at the moment.","start":1707.705,"end":1709.405,"sentiment":"neutral","sentiment_score":0.14928483311086893}],"sentiment":"neutral","sentiment_score":0.1336546101822303,"num_words":13,"start":1687.38,"end":1709.405},{"sentences":[{"text":"Not 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fine.","start":1928.1,"end":1928.9199,"sentiment":"neutral","sentiment_score":0.2222793772816658},{"text":"Yep.","start":1974.515,"end":1975.015,"sentiment":"neutral","sentiment_score":0.07903158664703369}],"sentiment":"neutral","sentiment_score":0.0433084476325247,"num_words":9,"start":1902.87,"end":1975.015},{"sentences":[{"text":"No.","start":1984.1799,"end":1984.42,"sentiment":"neutral","sentiment_score":-0.02199648320674896},{"text":"That's fine.","start":1984.42,"end":1985.32,"sentiment":"neutral","sentiment_score":0.010446568951010704},{"text":"Yep.","start":2002.255,"end":2002.755,"sentiment":"neutral","sentiment_score":0.09037592262029648},{"text":"Yep.","start":2069.0999,"end":2069.5999,"sentiment":"neutral","sentiment_score":0.04889355227351189},{"text":"Yep.","start":2129.7598,"end":2130.0,"sentiment":"neutral","sentiment_score":0.11985832452774048}],"sentiment":"neutral","sentiment_score":0.04300407568613688,"num_words":6,"start":1984.1799,"end":2130.0},{"sentences":[{"text":"That's fine.","start":2130.0,"end":2130.8198,"sentiment":"neutral","sentiment_score":0.31230834126472473},{"text":"No.","start":2169.535,"end":2170.035,"sentiment":"neutral","sentiment_score":-0.08377633988857269},{"text":"No.","start":2202.4248,"end":2202.6648,"sentiment":"neutral","sentiment_score":-0.010474644601345062},{"text":"I think that sounds pretty good.","start":2202.6648,"end":2204.285,"sentiment":"neutral","sentiment_score":0.1825655239323775},{"text":"Yep.","start":2219.225,"end":2219.725,"sentiment":"neutral","sentiment_score":0.3007916808128357}],"sentiment":"neutral","sentiment_score":0.1751409565860575,"num_words":11,"start":2130.0,"end":2219.725},{"sentences":[{"text":"No.","start":2241.0999,"end":2241.34,"sentiment":"neutral","sentiment_score":-0.07973333448171616},{"text":"Not really either.","start":2241.34,"end":2242.48,"sentiment":"neutral","sentiment_score":-0.08215667804082234},{"text":"No.","start":2243.9,"end":2244.14,"sentiment":"neutral","sentiment_score":-0.07952196896076202},{"text":"It says they are those, like, before...","start":2244.14,"end":2246.895,"sentiment":"neutral","sentiment_score":-0.044728118128010204},{"text":"After two and before four is normally pretty good somewhere in there.","start":2248.875,"end":2252.655,"sentiment":"neutral","sentiment_score":-0.005875295183310906}],"sentiment":"neutral","sentiment_score":-0.03288857111086448,"num_words":24,"start":2241.0999,"end":2252.655},{"sentences":[{"text":"Yeah.","start":2262.5999,"end":2262.8398,"sentiment":"neutral","sentiment_score":0.08053924143314362},{"text":"That's fine.","start":2262.8398,"end":2263.66,"sentiment":"neutral","sentiment_score":0.16369280219078064},{"text":"Yep.","start":2283.375,"end":2283.875,"sentiment":"neutral","sentiment_score":0.05158388614654541},{"text":"Yep.","start":2284.095,"end":2284.415,"sentiment":"neutral","sentiment_score":0.028433896601200104},{"text":"No.","start":2284.415,"end":2284.495,"sentiment":"neutral","sentiment_score":-0.09017355740070344}],"sentiment":"neutral","sentiment_score":0.0662948451936245,"num_words":6,"start":2262.5999,"end":2284.495},{"sentences":[{"text":"That's fine.","start":2284.495,"end":2285.315,"sentiment":"neutral","sentiment_score":0.05251645669341087},{"text":"Yep.","start":2298.78,"end":2299.1,"sentiment":"neutral","sentiment_score":0.17023150622844696},{"text":"No worries at all.","start":2299.1,"end":2300.24,"sentiment":"neutral","sentiment_score":0.31262775510549545},{"text":"No worries.","start":2305.823,"end":2306.383,"sentiment":"positive","sentiment_score":0.37323278188705444},{"text":"You too.","start":2306.383,"end":2306.783,"sentiment":"positive","sentiment_score":0.4503057599067688}],"sentiment":"neutral","sentiment_score":0.2884411385113543,"num_words":11,"start":2284.495,"end":2306.783},{"sentences":[{"text":"Thanks.","start":2306.783,"end":2307.283,"sentiment":"positive","sentiment_score":0.631745457649231}],"sentiment":"positive","sentiment_score":0.631745457649231,"num_words":1,"start":2306.783,"end":2307.283}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Nicole speaking. Yes. What was\n\nChannel 0: Hi,\n\nChannel 1: it?\n\nChannel 0: Nicole. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. And you?\n\nChannel 0: I'm very well. Thank you. I just had to book in today to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. Miss Hall, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Yeah. Nicole George Price, nineteen to eleven seventy four.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Thank you so much. No worries. How has your day been so far?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: Oh, that's good. Nicole, we normally send through some documents to you via email to review with us as we are going through things. Are you able to access your email there at the moment at all?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. I'll just press send on this one there for you. If I can just get you to pop in there, it'll come through from overtime.\n\nChannel 1: From Dana Taylor. Is it...\n\nChannel 0: That's the one. Yeah. Beautiful. Thank you. Excellent.\n\nChannel 1: What\n\nChannel 0: Now\n\nChannel 1: am\n\nChannel 0: when you open that... So this is... That's okay. So you\n\nChannel 1: I\n\nChannel 0: click\n\nChannel 1: talking?\n\nChannel 0: the button there so you can move through so you can review the documents. It will not let you sign anything or it won't ask you to sign anything until you've gone through and read them all. It's just so you can review the documents to begin with.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yeah. No. That's okay. I promise. It'll never let you find anything you haven't read.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. When it goes through the first document, it should show you is a summary of your superannuation and insurances there or superannuation. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So having a look at that one there, your balance is sitting at $241,236.42 there.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. When I have a look back at the same time, essentially, last year, the value of your super sitting there was about a $127,450.11. So I've had a really good increase over the last twelve months there, which is good. We definitely kind of wanna build on that for you. So I have been having a bit of look at your portfolio and looking at some area that we can look to make some changes for you to keep it working and growing and building.\n\nI did go back and have a bit of a look. I can sort of see over the past few years, there was a point when you came on board that your balance was at 100 k, and then it sort of dips down around 2022. And it has been sort of building back up until about 2024, which is when it kinda went back to where it was. And now we're\n\nChannel 1: Yes.\n\nChannel 0: essentially seeing a bit of growth and trying to build on that much higher four years. So it's good to see you're back over that mark. You've hit that hurdle, and now we've got that additional growth there. But we do wanna sort of try and build on that. And this\n\nChannel 1: Yep.\n\nChannel 0: year, we found that with the ups and downs and a lot of what's been happening globally in the market, there has been some ups and downs and volatility. This year is definitely where we're seeing lower rates of return. Your portfolio has still come out with a positive return after the past twelve months, which is great, but it is definitely lower than what we would like to see. I can certainly see some changes that I would like to look at making in your portfolio for\n\nChannel 1: Yep.\n\nChannel 0: you. Nicole, if you're able to go to the next document there for me, you've got your performance with internal rate of return.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So having a look at those investments, this is definitely one of the older portfolios there. I can definitely see that with the Benelong Australian concentrated equity fund, that one is underperforming pretty significantly this year. So I do wanna look for moving that out of portfolio for you. We'll look at replacing that one.\n\nI also have sort of noted with the China, the Bennett China, the second one from the bottom, that one again is quite down. It has been quite the... With the... Trying to think about how hostile still, there's still a lot of hostilities between the country. So we are finding China hasn't kinda come out and growing the way it was supposed to after COVID.\n\nIt's not really seeing the gains that we are... Had been expecting or that economists have been expecting as well. So I would like to maybe look at removing that from your portfolio there for you as well. The other side of things I can see is that your portfolio is quite tech heavy. So if you first look at the second investment down, you've got cybersecurity.\n\nWe've got battery and lithium tech. We've also got the Global X tech in there as well, and the S and P 500, which does also encompass some tech and AI and things like that. So you are very tech heavy, and that this year has been quite a lot of volatility, albeit those investments see it's still seeing the up. They are sort of... They have had a little bit of up and down this year and, you know, seeing some negative returns and not some great returns as well.\n\nSo I would like to maybe look at switching some of those out, maybe reevaluating the portfolio and trying to divert you out a little bit more. Are you okay with that? Do you have any questions for me at the moment?\n\nChannel 1: No. I don't really know that sort of thing, so I'll take your word for it.\n\nChannel 0: That's that's okay. If you finally have questions, you're welcome to let me know. I do\n\nChannel 1: Yes.\n\nChannel 0: really enjoy this stuff. As you can probably tell, probably our happiest person in the world to talk about superannuation.\n\nChannel 1: Yep.\n\nChannel 0: But definitely just wanna make sure that, you know, where were they going with things? This is your hard earned money too, so we wanna make sure that it's looked after correctly and that's working towards your goal.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: And, obviously, you would say that there was a a $100 injected into that. So that doesn't really make\n\nChannel 0: Yes.\n\nChannel 1: much difference as far as what you guys do from your endo.\n\nChannel 0: Not necessarily. Some of that money has been invested into that. It has made a little bit of a difference. That money going in is then reinvested into the portfolio That comes out with additional growth and income, which is compounded and reinvested back. So whilst, you know, whilst it doesn't feel like it does a great deal, it definitely does make a difference, and that difference will continue as it compounds.\n\nIf you sort\n\nChannel 1: Yes.\n\nChannel 0: of think about, you know, putting that money in, it's getting a 5% return, it earns income. That money is reinvested back, and then it makes income, and it's reinvested back. And that,\n\nChannel 1: Yes.\n\nChannel 0: over a shorter period of time, has a lesser effect. But as that goes on, that's gonna have a much greater effect for you. So it definitely has made a difference in a positive sense, but I wanted to continue to make that difference for you and to grow even harder, if that makes sense.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. Beautiful. The other thing I sort of wanted to double check with you, we have... Not not everyone has sort of an opinion on what they wanna see their funds invested in, but one of the things that I do like to kind of clarify is there are different ways to build portfolios, and we have access to so many different investment options to build the portfolio. Essentially, with the Benelong Australian Equities Investment, that was originally putting in a portfolio because it was an actively managed fund.\n\nSo the Benelong investment manager was supposed to try and outperform against the market, trying to time the market and choose which investments to put in there. That was supposed to provide benefit within the fund. This year, they haven't really been able to do that. They have had the past years where, again, they've struggled, and I just wanna get rid of them now because it's not worth keeping them in there. But\n\nChannel 1: Mhmm.\n\nChannel 0: there are other active managers that, well, there's no guarantees they can outperform against the market every year. They can do so. To have an active investment manager in your portfolio, you do pay a little extra money for that. You do pay higher investment fees. So I could look to keep an active portfolio together for you, or I could look at lowering the cost of your portfolio, focus on something more passive.\n\nWhat would you prefer?\n\nChannel 1: I really have no idea, but if I'm paying, getting charged for something that I'm not using, then you might as well get rid of it unless you can... Think you can do more good than... With it. I don't know.\n\nChannel 0: Yeah. Look, active managers honestly don't always outperform against the market. There are plenty of them out there. As you can see, we've been along. It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well.\n\nSo this is just time to remove that out.\n\nChannel 1: Yep.\n\nChannel 0: The other sort of option is having a passive portfolio, which is just, you know, assets that track the market. You still wanna have them allocated into a portfolio so that it's lowering risk and providing good returns. But a passive portfolio, when you think of the longer term, it can actually outperform and perform better than active managers because you're staying invested and and, yeah, compounding the returns and things like that.\n\nChannel 1: Yeah. I don't even know what an active\n\nChannel 0: If...\n\nChannel 1: manager is. I didn't even know I was paying extra for that.\n\nChannel 0: Yeah. No. That's okay. That's absolutely fine. Honestly, not a lot of people do understand the difference between the two, but you were...\n\nYou definitely have been along the concentrated equities fund within that portfolio, and they are supposed to be trying to buy and sell and hide in the market and pick when to get in and out, and they just can't do that every year. And this investment has struggled to do that over the last couple of years as well.\n\nChannel 1: Yep.\n\nChannel 0: I... Honestly, if you would like to... What I would sort of really like to do is definitely look at trying to reduce some of the costs within your portfolio, look at the investment fees, try to reduce them where possible because that can make a difference long term for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Probably looking at maybe removing that active management component and maybe having it in more of a passive portfolio, which can provide greater long term growth and can do better... Can provide better returns. Would you like me to look at something like that for you?\n\nChannel 1: Yeah. That sounds fine.\n\nChannel 0: Yeah. Beautiful. I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager. It is a passive portfolio. It might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone.\n\nThat way we have\n\nChannel 1: Yes.\n\nChannel 0: a lot more control around what you're invested in. Does that sound like something you'd be open to?\n\nChannel 1: Yep. Definitely.\n\nChannel 0: Yeah. Beautiful. Lovely. One of the things I do look at is capital gains. So a lot of people don't realize that just like you, your super fund actually does a tax return every year.\n\nYour super fund pays income tax and capital gains tax. When\n\nChannel 1: Yep.\n\nChannel 0: we are switching investments around, there are capital gains consequences. So your super fund does have to pay capital gains when we buy and sell off with investments. I do look at that as well. I'll look at that. I'll look at the past performance.\n\nI'll look at the fees and how it looks and try to minimize as much as possible. But\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to find out what's more important to you. Is it about having us being able to maneuver the portfolio for you without having to call and go, hey. This is underperforming. Let's update the advice.\n\nChannel 1: Yep.\n\nChannel 0: Or\n\nChannel 1: Definitely.\n\nChannel 0: are you kind of more concerned about the fee aspect? What's more important than\n\nChannel 1: Yeah.\n\nChannel 0: a call?\n\nChannel 1: No. I've got no idea.\n\nChannel 0: Having\n\nChannel 1: So... No.\n\nChannel 0: us\n\nChannel 1: I'd\n\nChannel 0: manage\n\nChannel 1: rather you\n\nChannel 0: it?\n\nChannel 1: guys do it. Yep.\n\nChannel 0: Yes. Beautiful. Lovely. So the management side of things and being able to alter the portfolio where needed.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I know it is a lot. Do you have any questions at the moment in relation to any of that? You are definitely welcome to let me know if you do.\n\nChannel 1: Not really. No.\n\nChannel 0: No. That's okay. You're absolutely fine. Beautiful. I've got a couple of really good ideas of what I'd like to do.\n\nI'll go back and complete the research there for you.\n\nChannel 1: Yep.\n\nChannel 0: Just the other thing to sort of look at here is with your super, you don't have any insurances held within the super fund. You've got into the life, PPD, income protection, trauma cover, things like that. Do you have any personal insurance that's part of super that you pay for? Or...\n\nChannel 1: No.\n\nChannel 0: No. That's okay. All good. You're comfortable with that. Did you wanna look or have a conversation around what personal insurances are, how they could, like, protect you, or you're happy just with the way it is?\n\nChannel 1: Not really. I've got a will in place. So, you know, my my husband passed away, so my kids just get everything\n\nChannel 0: Oh,\n\nChannel 1: anyway.\n\nChannel 0: I'm so sorry to hear that.\n\nChannel 1: That's alright.\n\nChannel 0: Oh, I can definitely see here with your beneficiaries that it's set up a 100% to each of your children. You're pretty happy with that?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Beautiful. And just kinda updating your details here as well. I can see I put you down as self employed. Is that still correct?\n\nChannel 1: Yep. No. No. No.\n\nChannel 0: No. No. So you're employee now? So working PAYG?\n\nChannel 1: Yes. That's correct. Yep.\n\nChannel 0: Yep. Beautiful. Lovely. That was the other thing. Because I could see with the contributions, there are now some contributions coming in from employers as well.\n\nSo just wanted to double check how things were\n\nChannel 1: Yeah.\n\nChannel 0: going for you.\n\nChannel 1: And I think\n\nChannel 0: Yeah.\n\nChannel 1: I'm still putting in an extra 50 anyway from when I had it set up. So does it benefit me to just keep doing that? I don't notice the 50\n\nChannel 0: Yeah.\n\nChannel 1: going each time. So I guess the more going in, the better.\n\nChannel 0: Yeah. No. Absolutely. It does. So I can definitely see that money going in.\n\nI know one of my colleagues had tried to give you a call and had emailed out about claiming a notice of intent. So we have about 2,600 for the last financial year that was put into the account. I can see here you have made mention you wanted to claim that notice of intent there. This...\n\nChannel 1: Yes.\n\nChannel 0: So that hasn't quite been done because it looks like there was a couple of extra amounts coming in. Now that that's all in there, did you want me to claim that notice of intent for you so you can claim that 2,600 as a tax\n\nChannel 1: Yes.\n\nChannel 0: deduction\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: did...\n\nChannel 0: your tax\n\nChannel 1: Yeah.\n\nChannel 0: return?\n\nChannel 1: I... That does ring a bell. I did try\n\nChannel 0: Yeah.\n\nChannel 1: and do it, but I think when I send emails, I have to send it from my iCloud. I can't send\n\nChannel 0: Okay.\n\nChannel 1: it from my BigPond, and I think\n\nChannel 0: Yeah.\n\nChannel 1: from memory that might have been part of the issue because I wasn't sending it from my BigPond, which was my registered email. But I just...\n\nChannel 0: That's...\n\nChannel 1: I can't send emails from my phone from that email. So I think that's why maybe I couldn't do it, but I haven't actually done last year's tax return on me. You're behind anyway.\n\nChannel 0: No. That's absolutely fine. So I'm actually submitting that now for you while we're on the phone. I just need verbal approval to do so.\n\nChannel 1: Yep.\n\nChannel 0: I'm just\n\nChannel 1: So\n\nChannel 0: gonna\n\nChannel 1: can\n\nChannel 0: claim\n\nChannel 1: that\n\nChannel 0: for\n\nChannel 1: be\n\nChannel 0: the\n\nChannel 1: done\n\nChannel 0: last\n\nChannel 1: each\n\nChannel 0: line... Yeah.\n\nChannel 1: year? Like,\n\nChannel 0: Yeah.\n\nChannel 1: can that be noted that I just want it done\n\nChannel 0: Yeah.\n\nChannel 1: each year without having to sign anything?\n\nChannel 0: Yeah. Yeah. Absolutely. If you have a standing request, and because the calls are recorded, I've got\n\nChannel 1: Yep.\n\nChannel 0: that standing request. If you're happy to do so,\n\nChannel 1: Yep.\n\nChannel 0: essentially, in the July 1, we can just go in, see what you've got there, and we can just make a note that you wanna claim that every year. Not a problem at all. Yeah.\n\nChannel 1: Yep. Yeah. Great. Because I think it\n\nChannel 0: Excellent.\n\nChannel 1: was my accountant that actually asked me to to do that because I changed accountants with all my legal bullshit that was going on. So I didn't even really know I had to do that. So that's great if you guys can just automatically\n\nChannel 0: No. Yeah.\n\nChannel 1: do that.\n\nChannel 0: Absolutely. And you don't even need to fill out a form anymore. We've have 24. They let us go in there and complete it for you. So I'm just doing it now.\n\nSo I've just got ending June 2026. We have 2,600 made for the last financial year, and you're happy for me to claim the personal deduction... Personal deduction on the full 2,600, and I'll just press the fee. And that has all been done for you. It's now in progress for the last financial year.\n\nSo\n\nChannel 1: Yep. Great.\n\nChannel 0: in\n\nChannel 1: Thank you.\n\nChannel 0: just a couple of days, I'll get the confirmation through, and I'll shoot it through to you via email. That way, you've got that there. How does that sound?\n\nChannel 1: Yep. Perfect. Thank you.\n\nChannel 0: Yeah. Beautiful. Not a problem at all. It's nice not having to fill out those forms. They were terrible forms to have to fill out.\n\nChannel 1: Yes. Any forms are terrible. Yep.\n\nChannel 0: Absolutely. No. Excellent. So just double checking. So I've got down here that you've got your new employer there.\n\nIncome wise, what do you expect to earn this financial year, do you think?\n\nChannel 1: Wouldn't have a clue. It's my\n\nChannel 0: No.\n\nChannel 1: first\n\nChannel 0: That's\n\nChannel 1: year\n\nChannel 0: okay.\n\nChannel 1: of working back with an employer for a long time. So the hours varied a lot at the start, but now I've pretty much got my sort of fixed hours. So I'm\n\nChannel 0: Yep.\n\nChannel 1: I'm... I don't know. I'm roughly earning maybe 1,800 a week. So\n\nChannel 0: Okay.\n\nChannel 1: whatever that equates to a year. I haven't even really looked at it or worked it out. Okay. Been\n\nChannel 0: That's\n\nChannel 1: a bit\n\nChannel 0: absolutely\n\nChannel 1: of a over the shop\n\nChannel 0: fine.\n\nChannel 1: lately.\n\nChannel 0: You're absolutely fine. I can do that math for you. Not a problem at all. Just for the $1,800 per week, is that a growth on net?\n\nChannel 1: That's it.\n\nChannel 0: Net. No worries. Beautiful. And we've got $50 per week going in non concessional, which we'll keep, and I'll make a standing order that you wanna claim that each year in July. Easy.\n\nChannel 1: Yes.\n\nChannel 0: Same city made. Beautiful. With your assets and liabilities, I have down here. So I've got your main primary residence. I had a note there that that was the sale last year.\n\nHave you sold the big... The house that was your main primary residence?\n\nChannel 1: No. So there was a... I had a court, and I had a lot of bullshit going on with my ex, but that's finally settled. So the primary resident, 103 Bonaview, that's now actually just purely my house, not his anymore.\n\nChannel 0: Yep.\n\nChannel 1: And I think\n\nChannel 0: Yep.\n\nChannel 1: you had the other one down as Williams Road. That is not mine. That's his. So\n\nChannel 0: Okay. No worries. So I see... Having a look at the fact that from last year, I have one of you as your investment property last year, and then the one for sale must have been the other one, William.\n\nChannel 1: Yeah. We did try and sell both just to try and settle, but neither sold. So...\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Okay. And and so the the Williams Street address, you do have... No longer have anything to do with that property. Is that right? Or...\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Yes. Okay. I'll just delete that off the system here for you. Excellent. And we see the Bonny View property.\n\nWhat kind of value would you put on that at the moment?\n\nChannel 1: Yep. I think the last time I had to get a valuation for court, it was valued at $9.20.\n\nChannel 0: Oh, beautiful. Excellent. And mortgage on the property I had here owing about 750,000. Does that sound about right or a bit lower?\n\nChannel 1: No. So I've got a loan of 250.\n\nChannel 0: Oh, beautiful. Much lower than what we had here. Love that.\n\nChannel 1: Yeah. There was a lot of settlement bullshit.\n\nChannel 0: Look. With interest rate and surprising, that's not a bad thing. You put a bit of a lower loan to have to pay off.\n\nChannel 1: Well, yes. Yes. One way to look at it.\n\nChannel 0: Yeah. Yeah. I've got down your vehicle here as well. What kind of car do you drive?\n\nChannel 1: Hyundai\n\nChannel 0: Tucson. Beautiful. Excellent.\n\nChannel 1: Tucson.\n\nChannel 0: And I had done here a rough valuation of 45,000. Would you value the car at that?\n\nChannel 1: I wouldn't think it'd be worth that now, especially with the car market, but it'd be at least, I'd say, 35 to 40.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. And you own the vehicle outright with no debt?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Beautiful. I also have down here there was an investment portfolio worth 5,000. Do you still happen to have that one at all, or is that still existing?\n\nChannel 1: I have got shares in some stuff, but I have no idea what they are where they are. It's something I\n\nChannel 0: No.\n\nChannel 1: need\n\nChannel 0: That's okay.\n\nChannel 1: to kinda work on.\n\nChannel 0: Have a look. Yeah. That's okay. Well, if you do\n\nChannel 1: Mhmm.\n\nChannel 0: get the statements, if you do need help with those, you're welcome to let us know. We're always here to help, and\n\nChannel 1: But... Yeah.\n\nChannel 0: we can\n\nChannel 1: I don't\n\nChannel 0: provide\n\nChannel 1: even know\n\nChannel 0: advice.\n\nChannel 1: how to go about even finding because my ex basically did all that and bought things for me, but I've got no idea. He's got all the paperwork. So I've actually got no idea what I've got. And I don't even know how to go about trying to find what shares I've got and what they're worth or anything. So I don't even\n\nChannel 0: Yeah.\n\nChannel 1: know where\n\nChannel 0: That's\n\nChannel 1: to start with that.\n\nChannel 0: that's okay. That's honestly fine. Where I would probably start is your accountant. So on your myGov and... When your accountant does your tax return, if you have received any dividends and things like that that have been lodged through, like, a check registration, which is how Australian shares are registered.\n\nChannel 1: Yes.\n\nChannel 0: They often get automatically added to your myGov and your tax return. So on that, if you get the account to double check for you, if\n\nChannel 1: Yes.\n\nChannel 0: you have sort of received the dividends or have any of those records on your tax, they should be able to find out what the HIN or the HIN number is. If they can find out the name of the share that you have invested in, you can also then Google the share registry or where it's held or where it's noted. And from there, we can kind of find reports and information and things like that. But if you get stuck, you're welcome to let me know. I can help you to find\n\nChannel 1: Yeah.\n\nChannel 0: things like that.\n\nChannel 1: The\n\nChannel 0: But\n\nChannel 1: accountant,\n\nChannel 0: I would probably\n\nChannel 1: he was,\n\nChannel 0: start with your account.\n\nChannel 1: yeah, he was pretty\n\nChannel 0: Sorry.\n\nChannel 1: thorough this year because being a new one because I had the same one as my ex, so I had to change. But I I don't think there was any dividends as such, which means they probably lost money over the years. But he didn't mention any dividends, so\n\nChannel 0: Yeah.\n\nChannel 1: I would assume\n\nChannel 0: Okay.\n\nChannel 1: haven't actually been worth much. I'd say if anything, they've probably bloody gone down.\n\nChannel 0: Yeah. Yeah. I'm just sort of thinking the other thing could be, just sort of thinking where else they could be, because you do have to receive statements every so often, emails, and things like that. Have you received any emails or text junk mail to see if anything come through from\n\nChannel 1: No.\n\nChannel 0: any investment\n\nChannel 1: I\n\nChannel 0: company?\n\nChannel 1: I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address\n\nChannel 0: Nothing?\n\nChannel 1: now, not because I haven't\n\nChannel 0: Yes.\n\nChannel 1: lived there a while. So I used to see... I remember seeing paperwork about it, but I'm pretty sure he's got all that. So I'd say that all that info goes to him and he'd just throw it out or... I'm assuming...\n\nI'm hoping he can't access it as such. But...\n\nChannel 0: Yeah. Well, if it's in your name, he can't sell anything\n\nChannel 1: Okay.\n\nChannel 0: because it's kinda gotta go to a bank account in the same name, and you normally\n\nChannel 1: Yep.\n\nChannel 0: have to, you know, make sure that that's all set up correctly.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: other thing is just as a suggestion, and you're welcome to tell me to set up, but the other thing you could probably do is you could always just set up a really simple redirection. So any extra mail that turns... Goes towards that place is redirected to you, and that might catch anything hard copy that goes through just in case anything goes to the post that way.\n\nChannel 1: Yes.\n\nChannel 0: That's probably the only other option that I could probably think\n\nChannel 1: Yeah.\n\nChannel 0: of.\n\nChannel 1: I didn't even think about doing that over the last four years.\n\nChannel 0: You're absolutely fine. Honestly, it's not a problem at all.\n\nChannel 1: Yeah.\n\nChannel 0: But, generally, something will come up at some point. And if and when that does, feel free to let me know if you have any questions. I'm more than\n\nChannel 1: Yeah.\n\nChannel 0: welcome\n\nChannel 1: No\n\nChannel 0: to help\n\nChannel 1: worries.\n\nChannel 0: help you.\n\nChannel 1: Yes.\n\nChannel 0: And if you you get stuck, I can always look for some other options on how to search or register search for registrations in your name\n\nChannel 1: Yeah.\n\nChannel 0: and see\n\nChannel 1: Okay.\n\nChannel 0: what pops up there as well. Okay.\n\nChannel 1: Yeah. No worries. Alright. I'll have a look into\n\nChannel 0: Yeah.\n\nChannel 1: it and let you know.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Absolutely. I'll just leave it here at the moment as it was. I'll just say I'm sure for the time being for you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Excellent. Okay. So just any other assets or liabilities that you think we should note down here for you at all?\n\nChannel 1: No. I think that's about\n\nChannel 0: No. That's excellent. Fantastic. Now are you still doing any of your own work to the the cleaning business you had, or is that completely not happening\n\nChannel 1: it.\n\nChannel 0: anymore?\n\nChannel 1: No. Not happening. No. I\n\nChannel 0: Not\n\nChannel 1: haven't\n\nChannel 0: happening.\n\nChannel 1: wound up\n\nChannel 0: Yep.\n\nChannel 1: the business as such because it's still gonna do a tax return, but it's not actually\n\nChannel 0: Yeah.\n\nChannel 1: running anymore.\n\nChannel 0: No. That's okay. Not a problem at all. Beautiful. Other than that, it looks like we've got more things here.\n\nI can see here that you did have a will in place previously, that it was... It's says he outdated. Are you sort of in the process or have you updated the will since everything's changed for you?\n\nChannel 1: I'm in the process of doing that. Yep.\n\nChannel 0: Yep. Beautiful. And they're doing, like, a power of attorney documents as well for you?\n\nChannel 1: I don't know. I think so.\n\nChannel 0: Yeah. No. That's okay. Maybe just when you go see them, just double check if they are including power of attorney documents just so that, you know, if anything was to happen, if you are unable to make decisions for yourself, that you have nominated who you trust to make, whether it be financial or medical decisions on your behalf. That's\n\nChannel 1: Yes.\n\nChannel 0: all.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. I have. I've noted my\n\nChannel 0: Yep.\n\nChannel 1: oldest daughter, Ella. She's... I\n\nChannel 0: Beautiful.\n\nChannel 1: think I've had... Yeah.\n\nChannel 0: Yeah. And I've got Ella down here as your next best PIN on file. Is that still accurate and correct?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yes. Beautiful. Wonderful. Thank you so much for that.\n\nChannel 1: Alright.\n\nChannel 0: Now when I'm still going back and looking at the research for you on updating the advice and your portfolio for you, I do kind of project in the back end what we're tracking for with regard to retirement. So just sort of thinking forward, do you know what age you would really like to be able to stop working and retire and start accessing your super?\n\nChannel 1: Now would be great, but\n\nChannel 0: It'd\n\nChannel 1: I don't\n\nChannel 0: be it'd be\n\nChannel 1: see\n\nChannel 0: great.\n\nChannel 1: that happening in the near future. So, yeah, probably at least another ten, fifteen years, I'd say, at least.\n\nChannel 0: Yep. Okay. Let me look. So ten, fifteen years. And your birthday is through the 11/19/1974.\n\nChannel 1: Yep.\n\nChannel 0: Year four, so you'll be 52 in November this year. So if we're looking at about fifteen odd years, it puts us a bit over the\n\nChannel 1: Yes.\n\nChannel 0: 65 mark there, which is absolutely fine.\n\nChannel 1: Yep.\n\nChannel 0: If you like, what I can do is when I sort of look... Because you are in your fifties, when I am updating advice, I do tend to project out for the next five to ten years. So I can have a look at where things are tracking over the next five to ten years, which brings us up to about age 62 currently just to give you a bit of an outlook on what we're tracking for currently with my recommendation update. Does that sound okay\n\nChannel 1: Yep.\n\nChannel 0: with you?\n\nChannel 1: Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. Excellent. It's sort of when we're in our fifties looking to looking at when we can possibly start to retire and really kind of wanting to... You know, see the light at the end of the tunnel, so let's say.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years?\n\nChannel 1: No idea.\n\nChannel 0: No. That's okay. Not not an easy thing to consider. Did you want me just to work on maybe an average income\n\nChannel 1: Just\n\nChannel 0: realistically\n\nChannel 1: an average.\n\nChannel 0: at the...\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: That's fine.\n\nChannel 0: That's okay. An average income at the moment under the ASSA regulations is around about sort of 70 to 75,000 for a comfortable retirement for a person. So are you happy with me just working on that to see where that tracks for for you? And then as you get closer, we can always update that.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yes. Beautiful. Excellent. I'll just pop that in there for you. Lovely.\n\nAnd you said that you're happy not having any insurances or anything like that. Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your retirement?\n\nChannel 1: Yeah. No. Yeah. I'm just happy with that at the moment.\n\nChannel 0: Yep. Beautiful. Fantastic. Do you have any other goals that you're looking to achieve over the next couple of years at all?\n\nChannel 1: Not really.\n\nChannel 0: No. That's okay. Just building super and trying to get to retirement, enjoy yourself.\n\nChannel 1: Yep. Yeah. At this time. Yep.\n\nChannel 0: Excellent. Beautiful. Now with your portfolio, we do have you in more of a high growth portfolio. So generally, that sees about 90% of your super investing growth assets. So thinking about things like Australian shares, international shares, listed property, and also commodities.\n\nThen we also generally see about 10 in lower risk sensitive investments, things like cash, bonds, and fixed interest. A high growth portfolio generally suits someone who has at least eight years before they're accessing a super. It suits an investor who is really wanting a lot more growth, can tolerate the ups and downs for market fees. And as your super builds and grows, smaller changes in the market actually have a bigger effect. If you think about someone who has, say, a $50,000 portfolio, and they see maybe a 5% change or 5% growth or a 5% dip, it's essentially a much smaller difference to someone who has that same 5% on $500,000 invested.\n\nDo you feel like at the moment you'd be comfortable staying in that high growth environment? Do you want me to maybe reevaluate that that reducing your risk level? How do you feel about that?\n\nChannel 1: No. I'm happy with where it is at the moment with the high.\n\nChannel 0: Yes. That's okay. That's absolutely fine. With the high growth kind of environment, you'd... We're generally...\n\nWhen we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return. We do know that with the ups and downs the market can provide, the likelihood of a negative return is around about one in every five years. So you still have that time horizon ahead of you as long as you're comfortable with the volatility that your portfolio can see. And I'm here to sort of talk you through it so you can, you know, catch up more regularly to look at how things are progressing and make changes as need be.\n\nChannel 1: Yep.\n\nChannel 0: But you're still fairly comfortable with that. Did you wanna go through the profile questionnaire and maybe look at altering or checking on that? Are you still fairly comfortable with it?\n\nChannel 1: Yeah. No. I'll go on your address. That's fine. Alrighty.\n\nChannel 0: Yep. Not a problem at all. I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel? Do you think you'd be going, hey. This could be a buying opportunity.\n\nLet's put some money in. Are you probably maybe calling us and saying, what were you suggesting you're a little bit concerned, or are you really feeling very anxious about it and wanting to move your money into cash? How do you think you might feel?\n\nChannel 1: I'd probably give you guys a call first and see what you think the\n\nChannel 0: See\n\nChannel 1: best\n\nChannel 0: what\n\nChannel 1: option\n\nChannel 0: we say.\n\nChannel 1: is. But, yeah, I wouldn't be stressing\n\nChannel 0: Yep.\n\nChannel 1: too much. It's... Is what\n\nChannel 0: No.\n\nChannel 1: it\n\nChannel 0: That's\n\nChannel 1: is.\n\nChannel 0: okay. That's yeah. No. Look. That's perfectly fine.\n\nIt's a really good answer. And what I kinda wanna make sure we do moving forward is have those catch ups with you. So maybe once every six months in between the annual review. We just check-in to see how things are going for you. Are there any changes, give you a bit of an update on your paper, and that way you get a little bit more contact, and we can make changes more regularly if we need to.\n\nDoes that sound preferable to you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. Fantastic. Now the last couple of documents we do have in the annual review pack there are the Vanguard index chart. It just shows you how markets move up and down and why we invest the way we do.\n\nIt's about showing that to get good returns, we do take on a little bit of risk. We have to take a certain amount of risk to get the returns thereafter. However, as you get closer to accessing super, you're gonna probably feel a little bit more risk averse. So there'll be a point when we start maybe reducing the risk level a little bit for you. But this sort of shows you how markets react.\n\nThey are always up and down, but over the longer term, we tend to see really good market reactions out of our growth assets. That's why we are generally comfortable taking the amount of risk.\n\nChannel 1: Yep.\n\nChannel 0: That is the next document along. I know it's a lot to look at, but do you have any questions about any of that on that document? Did you want me to break it down a little bit more for you? Or...\n\nChannel 1: No. That's fine.\n\nChannel 0: No. That's okay. The next one in there is the OCE Financial Services Guide. It outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me in there for you and my licensing information as a licensed adviser for you there as well.\n\nChannel 1: Yep.\n\nChannel 0: The document after that is the ongoing service agreement for the next twelve months there. And, of course, if you're happy to stay on board, we do get you to sign and return this one back for us. Essentially, with our ongoing service fee, it is a percentage based fee effective. It has changed a little bit in the last couple of years. Our ongoing service fee is now calculated based on an amount of funds that we manage for you.\n\nWe use a tiered structure now. So different fees and rates apply to the different level of funds under management. Essentially, where the... Once applicable fee has been calculated, set at 1.65%. We now have it as a peer structure.\n\nSo when your balance hits 200,000, the amount over 200,000 is calculated at the lower tier of 1.375. And then when your super balance hits that $500,000 mark, the amount over that is calculated 1.50. So, essentially, as your due balance increases, the amount we calculate your ongoing service fee at, it starts to decrease through the tiers a little bit like the tax system. It kinda decreases\n\nChannel 1: Yep.\n\nChannel 0: through the tiers a little bit. So it's providing more of an advantage for you. It's also about making sure you understand a little bit more visibility on how much you'll pay. So we used to tell you it was 1.65%, and that the estimated fee based on this amount was how much to pay. We now calculate that fee as a set dollar figure fee, so you'll never pay more than what is on that document for you each year.\n\nIf you get, you know, a 20% return over and above that, it doesn't then factor into the ongoing severities for that year. So it's just about making sure you've got more visibility, but also making sure it's a little bit fairer. I mean, we wanna, you know, make sure as your balance grows that while we're able to, you know, make the money from looking after everything that you're making that you're getting benefits from that and reducing our fees as your balance gets bigger does have... Helps you to have a bigger impact and keep more money invested to you longer term. Does that make sense?\n\nDo you have any questions?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Beautiful. Beautiful. So this document shows this year, it'll be $4,060.35. Nothing over that. You're welcome to have a read through the documents.\n\nIf you find you have any questions, let me know. The last document attached is the tax file opt in form. So we do hold your tax phone number, but we just wanna update all of our records to make sure you're aware that we hold your tax phone number and how and why we do so. This is an opt in form, and we just get you to sign and return that back with the ongoing service agreement there. Do you have any questions in relation to any of those documents or anything else that I've gone through at all?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Basically, just to kind of recap, I'm gonna go back and have a look at your supervisor portfolio. You'll have to stay in that high growth environment a little bit longer. I'll look at reducing fees where possible within the portfolio for you, and I'll also look at the estimated product we have to see if that can provide benefits so that we can kind of make changes as needed without having to, you know, continuously provide advice to you.\n\nDoes that sound accurate? Have I missed anything? Is there anything else you think you would like me to look at for you?\n\nChannel 1: No. I think that sounds pretty good.\n\nChannel 0: Yeah. Beautiful. Lovely. Well, you're welcome to take some time to review the documents there, Nicole. Once you have, we'll just ask you to sign each of those and return them back just so we can get the advice updated for you and provide everything and keep working hard for you.\n\nAll good.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you. It generally takes me about four to five weeks to put everything together and do the research. Is there a day or time that normally suits you better?\n\nChannel 1: No. Not really either. No. It says they are those, like, before... After two and before four is normally pretty good somewhere in there.\n\nChannel 0: Yeah. Absolutely. So if I pop it in maybe for, say, three... I do 03:00 on Thursday, the twenty ninth. Would that be okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. I'll pop that one in there for 03:00 there for you. I'll send a text message reminder because it is a couple of weeks away, but the text message will just let you know that we're calling. If anything comes up and that time doesn't work for you, you're welcome to let me know.\n\nBut I'll have the advice ready to go then for you, and I'll do the research about updating your portfolio. Okay?\n\nChannel 1: Yep. Yep. No. That's fine.\n\nChannel 0: Oh, lovely. Thank you so much for your time, Nicole. It's been a pleasure. I look forward to putting this together for you. If you find anything comes up, you need any assistance, or have any questions, please let me know.\n\nIf not, I'll talk to you on the twenty ninth.\n\nChannel 1: Yep. No worries at all.\n\nChannel 0: Oh, thank you so much for taking my call. I hope you have a lovely afternoon and a great weekend ahead.\n\nChannel 1: No worries. You too. Thanks.\n\nChannel 0: Thanks, Nicole. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.32,"sentiment":"neutral","sentiment_score":0.019877294078469276},{"text":"Nicole speaking.","start":2.32,"end":3.22,"sentiment":"neutral","sentiment_score":0.02041283156722784},{"text":"Yes.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.05836760997772217},{"text":"What was","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.060778092592954636}],"sentiment":"neutral","sentiment_score":0.040104458729426064,"channel":1,"num_words":6,"start":1.92,"end":4.0},{"sentences":[{"text":"Hi,","start":3.84,"end":4.0,"sentiment":"neutral","sentiment_score":0.07594794034957886}],"sentiment":"neutral","sentiment_score":0.07594794034957886,"channel":0,"num_words":1,"start":3.84,"end":4.0},{"sentences":[{"text":"it?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.06565971672534943}],"sentiment":"neutral","sentiment_score":0.06565971672534943,"channel":1,"num_words":1,"start":4.0,"end":4.5},{"sentences":[{"text":"Nicole.","start":4.0,"end":4.4,"sentiment":"neutral","sentiment_score":0.07885641604661942},{"text":"This is Dana from OQ Financial.","start":4.4,"end":6.08,"sentiment":"neutral","sentiment_score":0.12281830112139384},{"text":"How are you this afternoon?","start":6.08,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.20805594325065613}],"sentiment":"neutral","sentiment_score":0.15467049491902193,"channel":0,"num_words":12,"start":4.0,"end":7.3799996},{"sentences":[{"text":"Good.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.437997043132782},{"text":"And you?","start":8.72,"end":9.38,"sentiment":"neutral","sentiment_score":0.2905697673559189}],"sentiment":"positive","sentiment_score":0.33971219261487323,"channel":1,"num_words":3,"start":8.32,"end":9.38},{"sentences":[{"text":"I'm very well.","start":9.679999,"end":10.559999,"sentiment":"positive","sentiment_score":0.6221045653025309},{"text":"Thank you.","start":10.559999,"end":11.04,"sentiment":"positive","sentiment_score":0.6935946047306061},{"text":"I just had to book in today to go through your annual review.","start":11.04,"end":13.44,"sentiment":"neutral","sentiment_score":0.3008999079465866},{"text":"Is now still a good time there for you?","start":13.44,"end":15.345,"sentiment":"neutral","sentiment_score":0.27877208756075966}],"sentiment":"positive","sentiment_score":0.35830187024893584,"channel":0,"num_words":27,"start":9.679999,"end":15.345},{"sentences":[{"text":"Yeah.","start":15.755,"end":15.995,"sentiment":"neutral","sentiment_score":0.1698904037475586},{"text":"That's fine.","start":15.995,"end":16.735,"sentiment":"neutral","sentiment_score":0.32107847929000854}],"sentiment":"neutral","sentiment_score":0.2706824541091919,"channel":1,"num_words":3,"start":15.755,"end":16.735},{"sentences":[{"text":"Fantastic.","start":17.425,"end":17.925,"sentiment":"positive","sentiment_score":0.6733682155609131},{"text":"Miss Hall, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":18.705,"end":23.185,"sentiment":"neutral","sentiment_score":0.22815973991933075},{"text":"Are you happy for us to proceed with that?","start":23.185,"end":25.205,"sentiment":"neutral","sentiment_score":0.24050769209861755}],"sentiment":"neutral","sentiment_score":0.24501852916948724,"channel":0,"num_words":33,"start":17.425,"end":25.205},{"sentences":[{"text":"Yeah.","start":25.275,"end":25.515,"sentiment":"neutral","sentiment_score":0.12615050375461578},{"text":"That's fine.","start":25.515,"end":26.255001,"sentiment":"neutral","sentiment_score":0.23389749974012375}],"sentiment":"neutral","sentiment_score":0.1979818344116211,"channel":1,"num_words":3,"start":25.275,"end":26.255001},{"sentences":[{"text":"Fantastic.","start":26.625,"end":27.125,"sentiment":"positive","sentiment_score":0.5719720721244812},{"text":"And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there.","start":27.345001,"end":32.79,"sentiment":"neutral","sentiment_score":0.19348541417947182}],"sentiment":"neutral","sentiment_score":0.2075034385478055,"channel":0,"num_words":27,"start":26.625,"end":32.79},{"sentences":[{"text":"Yeah.","start":33.600002,"end":33.920002,"sentiment":"neutral","sentiment_score":0.04564846307039261},{"text":"Nicole George Price, nineteen to eleven seventy four.","start":33.920002,"end":36.74,"sentiment":"neutral","sentiment_score":0.04393150610849261}],"sentiment":"neutral","sentiment_score":0.04412227910425928,"channel":1,"num_words":9,"start":33.600002,"end":36.74},{"sentences":[{"text":"Yep.","start":37.25,"end":37.57,"sentiment":"neutral","sentiment_score":0.11801043152809144},{"text":"Beautiful.","start":37.57,"end":38.07,"sentiment":"positive","sentiment_score":0.36860910058021545}],"sentiment":"neutral","sentiment_score":0.24330976605415344,"channel":0,"num_words":2,"start":37.25,"end":38.07},{"sentences":[{"text":"Yep.","start":37.68,"end":38.18,"sentiment":"neutral","sentiment_score":0.26229098439216614}],"sentiment":"neutral","sentiment_score":0.26229098439216614,"channel":1,"num_words":1,"start":37.68,"end":38.18},{"sentences":[{"text":"Thank you so much.","start":38.13,"end":39.27,"sentiment":"positive","sentiment_score":0.5414080172777176},{"text":"No worries.","start":40.05,"end":40.69,"sentiment":"neutral","sentiment_score":0.2602613866329193},{"text":"How has your day been so far?","start":40.69,"end":42.39,"sentiment":"neutral","sentiment_score":0.24060104148728506}],"sentiment":"positive","sentiment_score":0.3361817025221311,"channel":0,"num_words":13,"start":38.13,"end":42.39},{"sentences":[{"text":"Yeah.","start":43.045002,"end":43.365,"sentiment":"neutral","sentiment_score":0.24160590767860413},{"text":"Good.","start":43.365,"end":43.605,"sentiment":"positive","sentiment_score":0.3632628917694092},{"text":"Thank you.","start":43.605,"end":44.345,"sentiment":"positive","sentiment_score":0.38825149834156036}],"sentiment":"positive","sentiment_score":0.3453429490327835,"channel":1,"num_words":4,"start":43.045002,"end":44.345},{"sentences":[{"text":"Oh, that's good.","start":44.77,"end":45.91,"sentiment":"neutral","sentiment_score":0.33251099785168964},{"text":"Nicole, we normally send through some documents to you via email to review with us as we are going through things.","start":46.295,"end":51.355,"sentiment":"neutral","sentiment_score":0.09579715239150184},{"text":"Are you able to access your email there at the moment at all?","start":51.894997,"end":55.114998,"sentiment":"neutral","sentiment_score":0.041321185059272326}],"sentiment":"neutral","sentiment_score":0.09584996214992292,"channel":0,"num_words":37,"start":44.77,"end":55.114998},{"sentences":[{"text":"Yep.","start":55.71,"end":56.21,"sentiment":"neutral","sentiment_score":0.04516560956835747}],"sentiment":"neutral","sentiment_score":0.04516560956835747,"channel":1,"num_words":1,"start":55.71,"end":56.21},{"sentences":[{"text":"Yep.","start":56.855,"end":57.335,"sentiment":"neutral","sentiment_score":0.09499755501747131},{"text":"Fantastic.","start":57.335,"end":57.835,"sentiment":"positive","sentiment_score":0.33773273229599},{"text":"I'll just press send on this one there for you.","start":58.055,"end":60.635,"sentiment":"neutral","sentiment_score":0.19558743834495546},{"text":"If I can just get you to pop in there, it'll come through from overtime.","start":60.74,"end":64.44,"sentiment":"neutral","sentiment_score":0.1222758486866951}],"sentiment":"neutral","sentiment_score":0.1563978667060534,"channel":0,"num_words":27,"start":56.855,"end":64.44},{"sentences":[{"text":"From Dana Taylor.","start":72.615005,"end":74.075005,"sentiment":"neutral","sentiment_score":0.03182786827286085},{"text":"Is it...","start":74.135,"end":74.875,"sentiment":"neutral","sentiment_score":0.02902401704341173}],"sentiment":"neutral","sentiment_score":0.030706327781081198,"channel":1,"num_words":5,"start":72.615005,"end":74.875},{"sentences":[{"text":"That's the 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review the documents.","start":84.365005,"end":87.245,"sentiment":"neutral","sentiment_score":0.053898592479527},{"text":"It will not let you sign anything or it won't ask you to sign anything until you've gone through and read them all.","start":87.245,"end":92.149994,"sentiment":"neutral","sentiment_score":-0.014989966202689253},{"text":"It's just so you can review the documents to begin with.","start":92.369995,"end":95.03,"sentiment":"neutral","sentiment_score":0.06716578927907077}],"sentiment":"neutral","sentiment_score":0.02392989071086049,"channel":0,"num_words":48,"start":84.365005,"end":95.03},{"sentences":[{"text":"Okay.","start":96.205,"end":96.685,"sentiment":"neutral","sentiment_score":0.031156625598669052},{"text":"No 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see you're back over that mark.","start":178.20999,"end":180.61,"sentiment":"positive","sentiment_score":0.5640020787715911},{"text":"You've hit that hurdle, and now we've got that additional growth there.","start":180.61,"end":183.645,"sentiment":"neutral","sentiment_score":0.06202903793503841},{"text":"But we do wanna sort of try and build on that.","start":183.88501,"end":186.46501,"sentiment":"neutral","sentiment_score":0.13156195120377975},{"text":"And this","start":186.685,"end":187.16501,"sentiment":"neutral","sentiment_score":0.055464742705225945}],"sentiment":"neutral","sentiment_score":0.2554644208912756,"channel":0,"num_words":51,"start":174.29,"end":187.16501},{"sentences":[{"text":"Yep.","start":187.055,"end":187.555,"sentiment":"neutral","sentiment_score":0.012433821335434914}],"sentiment":"neutral","sentiment_score":0.012433821335434914,"channel":1,"num_words":1,"start":187.055,"end":187.555},{"sentences":[{"text":"year, we found that with the ups and downs and a lot of 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superannuation.","start":330.815,"end":334.195,"sentiment":"positive","sentiment_score":0.3847667817026377}],"sentiment":"positive","sentiment_score":0.44712883085012434,"channel":0,"num_words":20,"start":329.775,"end":334.195},{"sentences":[{"text":"Yep.","start":335.025,"end":335.525,"sentiment":"neutral","sentiment_score":0.204318106174469}],"sentiment":"neutral","sentiment_score":0.204318106174469,"channel":1,"num_words":1,"start":335.025,"end":335.525},{"sentences":[{"text":"But definitely just wanna make sure that, you know, where were they going with things?","start":335.45502,"end":339.295,"sentiment":"neutral","sentiment_score":0.13688260465860366},{"text":"This is your hard earned money too, so we wanna make sure that it's looked after correctly and that's working towards your 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make","start":351.65,"end":352.93,"sentiment":"neutral","sentiment_score":-0.0023500822484493256}],"sentiment":"neutral","sentiment_score":0.00423357871017958,"channel":1,"num_words":19,"start":347.17,"end":352.93},{"sentences":[{"text":"Yes.","start":352.71002,"end":353.085,"sentiment":"neutral","sentiment_score":0.03433389961719513}],"sentiment":"neutral","sentiment_score":0.03433389961719513,"channel":0,"num_words":1,"start":352.71002,"end":353.085},{"sentences":[{"text":"much difference as far as what you guys do from your endo.","start":352.93,"end":356.575,"sentiment":"neutral","sentiment_score":0.04885967945059141}],"sentiment":"neutral","sentiment_score":0.04885967945059141,"channel":1,"num_words":12,"start":352.93,"end":356.575},{"sentences":[{"text":"Not necessarily.","start":357.405,"end":358.38498,"sentiment":"neutral","sentiment_score":0.011121097952127458},{"text":"Some of that money has been invested into that.","start":358.845,"end":361.32498,"sentiment":"neutral","sentiment_score":0.14018130799134573},{"text":"It has made a little bit of a difference.","start":361.32498,"end":363.10498,"sentiment":"neutral","sentiment_score":0.1939290136926704},{"text":"That money going in is then reinvested into the portfolio That comes out with additional growth and income, which is compounded and reinvested back.","start":363.32498,"end":371.43,"sentiment":"neutral","sentiment_score":0.28670537906388444},{"text":"So whilst, you know, whilst it doesn't feel like it does a great deal, it definitely does make a difference, and that difference will continue as it compounds.","start":371.43,"end":379.93,"sentiment":"positive","sentiment_score":0.45280695972698076}],"sentiment":"neutral","sentiment_score":0.313732764735404,"channel":0,"num_words":72,"start":357.405,"end":379.93},{"sentences":[{"text":"If you sort","start":380.495,"end":380.89502,"sentiment":"neutral","sentiment_score":0.21950711806615195}],"sentiment":"neutral","sentiment_score":0.21950711806615195,"channel":0,"num_words":3,"start":380.495,"end":380.89502},{"sentences":[{"text":"Yes.","start":380.875,"end":381.375,"sentiment":"neutral","sentiment_score":0.3085010349750519}],"sentiment":"neutral","sentiment_score":0.3085010349750519,"channel":1,"num_words":1,"start":380.875,"end":381.375},{"sentences":[{"text":"of think about, you know, putting that money in, it's getting a 5% return, it earns income.","start":380.89502,"end":385.295,"sentiment":"positive","sentiment_score":0.33541111735736623},{"text":"That money is reinvested back, and then it makes income, and it's reinvested back.","start":385.295,"end":389.475,"sentiment":"neutral","sentiment_score":0.3331543654203415},{"text":"And that,","start":389.695,"end":390.255,"sentiment":"neutral","sentiment_score":0.27344322204589844}],"sentiment":"neutral","sentiment_score":0.33069807742581225,"channel":0,"num_words":33,"start":380.89502,"end":390.255},{"sentences":[{"text":"Yes.","start":390.07498,"end":390.57498,"sentiment":"neutral","sentiment_score":0.32330194115638733}],"sentiment":"neutral","sentiment_score":0.32330194115638733,"channel":1,"num_words":1,"start":390.07498,"end":390.57498},{"sentences":[{"text":"over a shorter period of time, has a lesser effect.","start":390.255,"end":392.815,"sentiment":"neutral","sentiment_score":0.234921894967556},{"text":"But as that goes on, that's gonna have a much greater effect for you.","start":392.815,"end":396.75,"sentiment":"positive","sentiment_score":0.46168033352919985},{"text":"So it definitely has made a difference in a positive sense, but I wanted to continue to make that difference for you and to grow even harder, if that makes sense.","start":396.75,"end":406.53,"sentiment":"positive","sentiment_score":0.6662587465778473}],"sentiment":"positive","sentiment_score":0.5357593593272296,"channel":0,"num_words":55,"start":390.255,"end":406.53},{"sentences":[{"text":"Yep.","start":406.815,"end":407.215,"sentiment":"neutral","sentiment_score":0.16695484519004822},{"text":"No worries.","start":407.215,"end":407.875,"sentiment":"neutral","sentiment_score":0.19616960734128952}],"sentiment":"neutral","sentiment_score":0.18643135329087576,"channel":1,"num_words":3,"start":406.815,"end":407.875},{"sentences":[{"text":"Yeah.","start":408.03,"end":408.51,"sentiment":"neutral","sentiment_score":0.3013957738876343},{"text":"Beautiful.","start":408.51,"end":409.01,"sentiment":"positive","sentiment_score":0.4477760791778565},{"text":"The other thing I sort of wanted to double check with you, we have...","start":410.03,"end":413.745,"sentiment":"neutral","sentiment_score":0.051620633873556344},{"text":"Not not everyone has sort of an opinion on what they wanna see their funds invested in, but one of the things that I do like to kind of clarify is there are different ways to build portfolios, and we have access to so many different investment options to build the portfolio.","start":414.205,"end":428.72,"sentiment":"neutral","sentiment_score":0.02530492482205423},{"text":"Essentially, with the Benelong Australian Equities Investment, that was originally putting in a portfolio because it was an actively managed fund.","start":430.38,"end":437.66,"sentiment":"neutral","sentiment_score":0.016214553045020216}],"sentiment":"neutral","sentiment_score":0.03514856665154521,"channel":0,"num_words":89,"start":408.03,"end":437.66},{"sentences":[{"text":"So the Benelong investment manager was supposed to try and outperform against the market, trying to time the market and choose which investments to put in there.","start":437.66,"end":446.245,"sentiment":"neutral","sentiment_score":0.02196004531449742},{"text":"That was supposed to provide benefit within the fund.","start":446.245,"end":448.985,"sentiment":"neutral","sentiment_score":0.0836537132660548},{"text":"This year, they haven't really been able to do that.","start":449.60498,"end":452.22,"sentiment":"neutral","sentiment_score":-0.16781488209962844},{"text":"They have had the past years where, again, they've struggled, and I just wanna get rid of them now because it's not worth keeping them in 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for that.","start":467.715,"end":474.675,"sentiment":"neutral","sentiment_score":0.07421316020190716},{"text":"You do pay higher investment fees.","start":474.675,"end":476.75497,"sentiment":"neutral","sentiment_score":0.056228432804346085},{"text":"So I could look to keep an active portfolio together for you, or I could look at lowering the cost of your portfolio, focus on something more passive.","start":476.75497,"end":484.92,"sentiment":"neutral","sentiment_score":0.09236887403364692}],"sentiment":"neutral","sentiment_score":0.053589393258900254,"channel":0,"num_words":74,"start":459.34,"end":484.92},{"sentences":[{"text":"What would you prefer?","start":485.22,"end":486.36002,"sentiment":"neutral","sentiment_score":-0.04042025888338685}],"sentiment":"neutral","sentiment_score":-0.04042025888338685,"channel":0,"num_words":4,"start":485.22,"end":486.36002},{"sentences":[{"text":"I really have no idea, but if I'm paying, getting charged for something that I'm not using, then you 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there.","start":504.57498,"end":506.435,"sentiment":"neutral","sentiment_score":-0.1867778024503163},{"text":"As you can see, we've been along.","start":506.895,"end":508.255,"sentiment":"neutral","sentiment_score":-0.20706308952399663},{"text":"It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well.","start":508.255,"end":514.85,"sentiment":"negative","sentiment_score":-0.395443224187555}],"sentiment":"neutral","sentiment_score":-0.3091369054659649,"channel":0,"num_words":54,"start":499.935,"end":514.85},{"sentences":[{"text":"So this is just time to remove that 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is.","start":545.11,"end":545.82996,"sentiment":"neutral","sentiment_score":-0.18033148348331451},{"text":"I didn't even know I was paying extra for that.","start":545.82996,"end":548.25,"sentiment":"neutral","sentiment_score":-0.26252337247133256}],"sentiment":"neutral","sentiment_score":-0.2488247243066629,"channel":1,"num_words":12,"start":545.11,"end":548.25},{"sentences":[{"text":"Yeah.","start":548.955,"end":549.35504,"sentiment":"neutral","sentiment_score":-0.03645552694797516},{"text":"No.","start":549.35504,"end":549.59503,"sentiment":"neutral","sentiment_score":-0.06950901448726654},{"text":"That's okay.","start":549.59503,"end":550.41504,"sentiment":"neutral","sentiment_score":0.009110428858548403},{"text":"That's absolutely fine.","start":550.47504,"end":551.835,"sentiment":"neutral","sentiment_score":0.1402591864267985},{"text":"Honestly, not a lot of people do understand the difference between the two, but you 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well.","start":577.485,"end":588.865,"sentiment":"neutral","sentiment_score":0.12398747589601122}],"sentiment":"neutral","sentiment_score":0.10612192275529762,"channel":0,"num_words":53,"start":575.64496,"end":588.865},{"sentences":[{"text":"Yep.","start":589.145,"end":589.645,"sentiment":"neutral","sentiment_score":0.10975794494152068}],"sentiment":"neutral","sentiment_score":0.10975794494152068,"channel":1,"num_words":1,"start":589.145,"end":589.645},{"sentences":[{"text":"Probably looking at maybe removing that active management component and maybe having it in more of a passive portfolio, which can provide greater long term growth and can do better...","start":591.61,"end":603.355,"sentiment":"neutral","sentiment_score":0.1373375338812669},{"text":"Can provide better returns.","start":603.65497,"end":605.335,"sentiment":"neutral","sentiment_score":0.17579155787825584},{"text":"Would you like me to look at something like that for you?","start":605.335,"end":607.915,"sentiment":"neutral","sentiment_score":0.12889021138350168}],"sentiment":"neutral","sentiment_score":0.13847771270767503,"channel":0,"num_words":46,"start":591.61,"end":607.915},{"sentences":[{"text":"Yeah.","start":608.18506,"end":608.42505,"sentiment":"neutral","sentiment_score":0.03719089552760124},{"text":"That sounds fine.","start":608.42505,"end":609.565,"sentiment":"positive","sentiment_score":0.4799162844816844}],"sentiment":"positive","sentiment_score":0.3692349372431636,"channel":1,"num_words":4,"start":608.18506,"end":609.565},{"sentences":[{"text":"Yeah.","start":610.055,"end":610.535,"sentiment":"positive","sentiment_score":0.418083131313324},{"text":"Beautiful.","start":610.535,"end":611.035,"sentiment":"positive","sentiment_score":0.6185287237167358},{"text":"I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager.","start":611.575,"end":621.02,"sentiment":"neutral","sentiment_score":0.16793431456272417},{"text":"It is a passive portfolio.","start":621.24,"end":622.78,"sentiment":"neutral","sentiment_score":0.15465891361236572},{"text":"It might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone.","start":623.64,"end":638.82495,"sentiment":"neutral","sentiment_score":0.15805773026480965}],"sentiment":"neutral","sentiment_score":0.16976862664266332,"channel":0,"num_words":82,"start":610.055,"end":638.82495},{"sentences":[{"text":"That way we have","start":638.88495,"end":639.605,"sentiment":"neutral","sentiment_score":0.11035383306443691}],"sentiment":"neutral","sentiment_score":0.11035383306443691,"channel":0,"num_words":4,"start":638.88495,"end":639.605},{"sentences":[{"text":"Yes.","start":639.47504,"end":639.97504,"sentiment":"neutral","sentiment_score":0.1491531878709793}],"sentiment":"neutral","sentiment_score":0.1491531878709793,"channel":1,"num_words":1,"start":639.47504,"end":639.97504},{"sentences":[{"text":"a lot more control around what you're invested in.","start":639.605,"end":642.10004,"sentiment":"neutral","sentiment_score":0.18152330815792084},{"text":"Does that sound like something you'd be open to?","start":642.10004,"end":644.60004,"sentiment":"neutral","sentiment_score":0.11720854126744801}],"sentiment":"neutral","sentiment_score":0.14936592471268442,"channel":0,"num_words":18,"start":639.605,"end":644.60004},{"sentences":[{"text":"Yep.","start":644.755,"end":645.075,"sentiment":"neutral","sentiment_score":0.13024353981018066},{"text":"Definitely.","start":645.075,"end":645.575,"sentiment":"neutral","sentiment_score":0.23116081953048703}],"sentiment":"neutral","sentiment_score":0.18070217967033386,"channel":1,"num_words":2,"start":644.755,"end":645.575},{"sentences":[{"text":"Yeah.","start":646.10004,"end":646.58,"sentiment":"neutral","sentiment_score":0.30081266164779663},{"text":"Beautiful.","start":646.58,"end":647.08,"sentiment":"positive","sentiment_score":0.6230185031890869},{"text":"Lovely.","start":647.46,"end":647.96,"sentiment":"positive","sentiment_score":0.5121211409568787},{"text":"One of the things I do look at is capital gains.","start":648.26,"end":650.98004,"sentiment":"neutral","sentiment_score":0.11363392628052017},{"text":"So a lot of people don't realize that just like you, your super fund actually does a tax return every year.","start":650.98004,"end":656.92,"sentiment":"neutral","sentiment_score":0.1090475484019234}],"sentiment":"neutral","sentiment_score":0.14216925746628217,"channel":0,"num_words":35,"start":646.10004,"end":656.92},{"sentences":[{"text":"Your super fund pays income tax and capital gains 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well.","start":671.11,"end":673.13,"sentiment":"neutral","sentiment_score":0.07988064629690987},{"text":"I'll look at that.","start":673.83,"end":674.63,"sentiment":"neutral","sentiment_score":0.07592928409576416},{"text":"I'll look at the past performance.","start":674.63,"end":676.15,"sentiment":"neutral","sentiment_score":0.062048316622773804}],"sentiment":"neutral","sentiment_score":0.06622954147557418,"channel":0,"num_words":45,"start":660.985,"end":676.15},{"sentences":[{"text":"I'll look at the fees and how it looks and try to minimize as much as possible.","start":676.15,"end":680.33,"sentiment":"neutral","sentiment_score":0.09724938562687706},{"text":"But","start":680.95,"end":681.19,"sentiment":"neutral","sentiment_score":0.06833500415086746}],"sentiment":"neutral","sentiment_score":0.09564303110043208,"channel":0,"num_words":18,"start":676.15,"end":681.19},{"sentences":[{"text":"Yep.","start":681.11,"end":681.61,"sentiment":"neutral","sentiment_score":0.06964844465255737}],"sentiment":"neutral","sentiment_score":0.06964844465255737,"channel":1,"num_words":1,"start":681.11,"end":681.61},{"sentences":[{"text":"I just wanted to find out what's more important to you.","start":681.19,"end":684.92505,"sentiment":"neutral","sentiment_score":0.0845789492807605},{"text":"Is it about having us being able to maneuver the portfolio for you without having to call and go, hey.","start":684.92505,"end":690.92505,"sentiment":"neutral","sentiment_score":0.10253835879266263},{"text":"This is underperforming.","start":690.92505,"end":691.825,"sentiment":"neutral","sentiment_score":-0.01238807084155269},{"text":"Let's update the advice.","start":692.125,"end":693.42505,"sentiment":"neutral","sentiment_score":0.039699082262814045}],"sentiment":"neutral","sentiment_score":0.08165178248600569,"channel":0,"num_words":38,"start":681.19,"end":693.42505},{"sentences":[{"text":"Yep.","start":693.805,"end":694.205,"sentiment":"neutral","sentiment_score":0.02983788028359413}],"sentiment":"neutral","sentiment_score":0.02983788028359413,"channel":1,"num_words":1,"start":693.805,"end":694.205},{"sentences":[{"text":"Or","start":693.965,"end":694.205,"sentiment":"neutral","sentiment_score":0.01781110092997551}],"sentiment":"neutral","sentiment_score":0.01781110092997551,"channel":0,"num_words":1,"start":693.965,"end":694.205},{"sentences":[{"text":"Definitely.","start":694.205,"end":694.705,"sentiment":"neutral","sentiment_score":0.02916553243994713}],"sentiment":"neutral","sentiment_score":0.02916553243994713,"channel":1,"num_words":1,"start":694.205,"end":694.705},{"sentences":[{"text":"are you kind of more concerned about the fee aspect?","start":694.205,"end":696.685,"sentiment":"neutral","sentiment_score":-0.0008217382244765758},{"text":"What's more important than","start":696.685,"end":697.885,"sentiment":"neutral","sentiment_score":0.0001260422868654132}],"sentiment":"neutral","sentiment_score":-0.000550943792664579,"channel":0,"num_words":14,"start":694.205,"end":697.885},{"sentences":[{"text":"Yeah.","start":697.805,"end":698.125,"sentiment":"neutral","sentiment_score":-0.0015693297609686852}],"sentiment":"neutral","sentiment_score":-0.0015693297609686852,"channel":1,"num_words":1,"start":697.805,"end":698.125},{"sentences":[{"text":"a call?","start":697.885,"end":698.54504,"sentiment":"neutral","sentiment_score":-0.008980118203908205}],"sentiment":"neutral","sentiment_score":-0.008980118203908205,"channel":0,"num_words":2,"start":697.885,"end":698.54504},{"sentences":[{"text":"No.","start":698.125,"end":698.625,"sentiment":"neutral","sentiment_score":-0.09024065732955933},{"text":"I've got 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a problem at all.","start":1021.85004,"end":1023.23004,"sentiment":"neutral","sentiment_score":0.07839765027165413},{"text":"Just for the $1,800 per week, is that a growth on net?","start":1023.77,"end":1027.71,"sentiment":"neutral","sentiment_score":0.01808987371623516}],"sentiment":"neutral","sentiment_score":0.09049785013000171,"channel":0,"num_words":27,"start":1019.37,"end":1027.71},{"sentences":[{"text":"That's it.","start":1028.59,"end":1029.33,"sentiment":"neutral","sentiment_score":0.032200008630752563}],"sentiment":"neutral","sentiment_score":0.032200008630752563,"channel":1,"num_words":2,"start":1028.59,"end":1029.33},{"sentences":[{"text":"Net.","start":1030.275,"end":1030.675,"sentiment":"neutral","sentiment_score":0.04009758681058884},{"text":"No worries.","start":1030.675,"end":1031.475,"sentiment":"neutral","sentiment_score":0.11722803115844727},{"text":"Beautiful.","start":1031.475,"end":1031.975,"sentiment":"neutral","sentiment_score":0.2756068706512451},{"text":"And we've got $50 per week going in non concessional, which we'll keep, and I'll make a standing order that you wanna claim that each year in July.","start":1032.835,"end":1041.495,"sentiment":"neutral","sentiment_score":0.14661322560693538},{"text":"Easy.","start":1041.715,"end":1042.215,"sentiment":"neutral","sentiment_score":0.15541259944438934}],"sentiment":"neutral","sentiment_score":0.1457801041277972,"channel":0,"num_words":33,"start":1030.275,"end":1042.215},{"sentences":[{"text":"Yes.","start":1042.3551,"end":1042.8551,"sentiment":"neutral","sentiment_score":0.08343227207660675}],"sentiment":"neutral","sentiment_score":0.08343227207660675,"channel":1,"num_words":1,"start":1042.3551,"end":1042.8551},{"sentences":[{"text":"Same city made.","start":1043.64,"end":1044.7001,"sentiment":"neutral","sentiment_score":0.12276767939329147},{"text":"Beautiful.","start":1044.84,"end":1045.34,"sentiment":"neutral","sentiment_score":0.28291696310043335},{"text":"With your assets and liabilities, I have down here.","start":1047.24,"end":1049.88,"sentiment":"neutral","sentiment_score":0.09560520243313578},{"text":"So I've got your main primary residence.","start":1049.88,"end":1051.74,"sentiment":"neutral","sentiment_score":0.02537661444927965},{"text":"I had a note there that that was the sale last year.","start":1051.8,"end":1054.78,"sentiment":"neutral","sentiment_score":-0.004869689544041951}],"sentiment":"neutral","sentiment_score":0.050964589056093246,"channel":0,"num_words":32,"start":1043.64,"end":1054.78},{"sentences":[{"text":"Have you sold the big...","start":1055.48,"end":1057.0,"sentiment":"neutral","sentiment_score":-0.03228666707873344},{"text":"The house that was your main primary 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the other one down as Williams Road.","start":1076.645,"end":1078.725,"sentiment":"neutral","sentiment_score":-0.030321587291028764},{"text":"That is not mine.","start":1078.725,"end":1080.005,"sentiment":"neutral","sentiment_score":-0.12574388273060322},{"text":"That's his.","start":1080.005,"end":1080.745,"sentiment":"neutral","sentiment_score":-0.08102510124444962},{"text":"So","start":1081.365,"end":1081.71,"sentiment":"neutral","sentiment_score":-0.0122977327555418}],"sentiment":"neutral","sentiment_score":-0.05938860948663205,"channel":1,"num_words":16,"start":1076.645,"end":1081.71},{"sentences":[{"text":"Okay.","start":1082.24,"end":1082.74,"sentiment":"neutral","sentiment_score":0.0017434069886803627},{"text":"No worries.","start":1083.2,"end":1083.84,"sentiment":"neutral","sentiment_score":0.0057773529551923275},{"text":"So I see...","start":1083.84,"end":1084.4,"sentiment":"neutral","sentiment_score":0.0035737457995613417},{"text":"Having a look at the fact that from last year, I have one of you as your investment property last year, and then the one for sale must have been the other one, William.","start":1084.4,"end":1094.065,"sentiment":"neutral","sentiment_score":-0.01341169374063611}],"sentiment":"neutral","sentiment_score":-0.010799455922096968,"channel":0,"num_words":40,"start":1082.24,"end":1094.065},{"sentences":[{"text":"Yeah.","start":1094.885,"end":1095.2849,"sentiment":"neutral","sentiment_score":-0.018156535923480988},{"text":"We did try and sell both just to try and settle, but neither 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you do have...","start":1101.1649,"end":1104.8099,"sentiment":"neutral","sentiment_score":0.00312384298409928},{"text":"No longer have anything to do with that property.","start":1104.8099,"end":1106.8899,"sentiment":"neutral","sentiment_score":-0.059518167128165565},{"text":"Is that right?","start":1106.8899,"end":1107.61,"sentiment":"neutral","sentiment_score":-0.012199417067070803},{"text":"Or...","start":1107.61,"end":1108.11,"sentiment":"neutral","sentiment_score":-0.00890435092151165}],"sentiment":"neutral","sentiment_score":-0.021461455803364515,"channel":0,"num_words":25,"start":1100.605,"end":1108.11},{"sentences":[{"text":"That's 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I had done here a rough valuation of 45,000.","start":1171.635,"end":1175.5751,"sentiment":"neutral","sentiment_score":0.038730647414922714},{"text":"Would you value the car at that?","start":1175.7151,"end":1177.655,"sentiment":"neutral","sentiment_score":0.003137569342340742}],"sentiment":"neutral","sentiment_score":0.024074674090918374,"channel":0,"num_words":17,"start":1171.635,"end":1177.655},{"sentences":[{"text":"I wouldn't think it'd be worth that now, especially with the car market, but it'd be at least, I'd say, 35 to 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finding because my ex basically did all that and bought things for me, but I've got no idea.","start":1221.565,"end":1230.4299,"sentiment":"neutral","sentiment_score":-0.23925816040972006},{"text":"He's got all the paperwork.","start":1230.4299,"end":1231.5499,"sentiment":"negative","sentiment_score":-0.3502050697803497},{"text":"So I've actually got no idea what I've got.","start":1231.5499,"end":1234.0299,"sentiment":"negative","sentiment_score":-0.42571766177813214},{"text":"And I don't even know how to go about trying to find what shares I've got and what they're worth or anything.","start":1234.0299,"end":1241.605,"sentiment":"neutral","sentiment_score":-0.2818741229447452},{"text":"So I don't 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we can kind of find reports and information and things like that.","start":1291.42,"end":1296.06,"sentiment":"neutral","sentiment_score":0.10011550436417262},{"text":"But if you get stuck, you're welcome to let me know.","start":1296.06,"end":1298.78,"sentiment":"neutral","sentiment_score":0.16082256422801453},{"text":"I can help you to find","start":1298.78,"end":1300.06,"sentiment":"neutral","sentiment_score":0.14248552918434143}],"sentiment":"neutral","sentiment_score":0.13170525407854547,"channel":0,"num_words":94,"start":1273.09,"end":1300.06},{"sentences":[{"text":"Yeah.","start":1300.035,"end":1300.535,"sentiment":"neutral","sentiment_score":0.03621348366141319}],"sentiment":"neutral","sentiment_score":0.03621348366141319,"channel":1,"num_words":1,"start":1300.035,"end":1300.535},{"sentences":[{"text":"things like 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been worth much.","start":1321.77,"end":1324.555,"sentiment":"negative","sentiment_score":-0.4498073697090149},{"text":"I'd say if anything, they've probably bloody gone down.","start":1324.555,"end":1327.055,"sentiment":"negative","sentiment_score":-0.4839459757010142}],"sentiment":"negative","sentiment_score":-0.47175361641815733,"channel":1,"num_words":14,"start":1321.77,"end":1327.055},{"sentences":[{"text":"Yeah.","start":1328.07,"end":1328.57,"sentiment":"neutral","sentiment_score":-0.0981234535574913},{"text":"Yeah.","start":1328.87,"end":1329.37,"sentiment":"neutral","sentiment_score":-0.09594403207302094},{"text":"I'm just sort of thinking the other thing could be, just sort of thinking where else they could be, because you do have to receive statements every so often, emails, and things like that.","start":1330.07,"end":1342.925,"sentiment":"neutral","sentiment_score":-0.07834034533623387},{"text":"Have you received any emails or text junk mail to see if anything come through from","start":1343.0651,"end":1347.79,"sentiment":"neutral","sentiment_score":-0.08945968956686556}],"sentiment":"neutral","sentiment_score":-0.08248065884869832,"channel":0,"num_words":52,"start":1328.07,"end":1347.79},{"sentences":[{"text":"No.","start":1347.73,"end":1348.23,"sentiment":"neutral","sentiment_score":-0.11373293399810792}],"sentiment":"neutral","sentiment_score":-0.11373293399810792,"channel":1,"num_words":1,"start":1347.73,"end":1348.23},{"sentences":[{"text":"any investment","start":1347.79,"end":1348.5701,"sentiment":"neutral","sentiment_score":-0.10340625420212746}],"sentiment":"neutral","sentiment_score":-0.10340625420212746,"channel":0,"num_words":2,"start":1347.79,"end":1348.5701},{"sentences":[{"text":"I","start":1348.45,"end":1348.77,"sentiment":"neutral","sentiment_score":-0.13271361589431763}],"sentiment":"neutral","sentiment_score":-0.13271361589431763,"channel":1,"num_words":1,"start":1348.45,"end":1348.77},{"sentences":[{"text":"company?","start":1348.63,"end":1349.13,"sentiment":"neutral","sentiment_score":-0.08660654723644257}],"sentiment":"neutral","sentiment_score":-0.08660654723644257,"channel":0,"num_words":1,"start":1348.63,"end":1349.13},{"sentences":[{"text":"I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address","start":1348.77,"end":1355.485,"sentiment":"neutral","sentiment_score":-0.10876338443030482}],"sentiment":"neutral","sentiment_score":-0.10876338443030482,"channel":1,"num_words":23,"start":1348.77,"end":1355.485},{"sentences":[{"text":"Nothing?","start":1355.35,"end":1355.85,"sentiment":"neutral","sentiment_score":-0.07541760802268982}],"sentiment":"neutral","sentiment_score":-0.07541760802268982,"channel":0,"num_words":1,"start":1355.35,"end":1355.85},{"sentences":[{"text":"now, not because I haven't","start":1355.485,"end":1356.845,"sentiment":"neutral","sentiment_score":-0.10670863986015319}],"sentiment":"neutral","sentiment_score":-0.10670863986015319,"channel":1,"num_words":5,"start":1355.485,"end":1356.845},{"sentences":[{"text":"Yes.","start":1356.79,"end":1357.29,"sentiment":"neutral","sentiment_score":-0.09134670346975328}],"sentiment":"neutral","sentiment_score":-0.09134670346975328,"channel":0,"num_words":1,"start":1356.79,"end":1357.29},{"sentences":[{"text":"lived there a while.","start":1356.845,"end":1358.4451,"sentiment":"neutral","sentiment_score":-0.11373885720968246},{"text":"So I used to see...","start":1358.4451,"end":1361.825,"sentiment":"neutral","sentiment_score":-0.08127309679985047},{"text":"I remember seeing paperwork about it, but I'm pretty sure he's got all that.","start":1362.365,"end":1367.405,"sentiment":"neutral","sentiment_score":-0.13373825486217225},{"text":"So I'd say that all that info goes to him and he'd just throw it out or...","start":1367.405,"end":1372.11,"sentiment":"neutral","sentiment_score":-0.13496388670276194},{"text":"I'm assuming...","start":1372.73,"end":1373.53,"sentiment":"neutral","sentiment_score":-0.13850215822458267}],"sentiment":"neutral","sentiment_score":-0.12631063979296459,"channel":1,"num_words":42,"start":1356.845,"end":1373.53},{"sentences":[{"text":"I'm hoping he can't access it as such.","start":1373.53,"end":1375.61,"sentiment":"neutral","sentiment_score":-0.17389716766774654},{"text":"But...","start":1375.61,"end":1376.11,"sentiment":"neutral","sentiment_score":-0.05456957966089249}],"sentiment":"neutral","sentiment_score":-0.16063854677809608,"channel":1,"num_words":9,"start":1373.53,"end":1376.11},{"sentences":[{"text":"Yeah.","start":1376.62,"end":1377.02,"sentiment":"neutral","sentiment_score":-0.05305281281471253},{"text":"Well, if it's in your name, he can't sell anything","start":1377.02,"end":1379.92,"sentiment":"neutral","sentiment_score":-0.1353266216814518}],"sentiment":"neutral","sentiment_score":-0.12784718451174823,"channel":0,"num_words":11,"start":1376.62,"end":1379.92},{"sentences":[{"text":"Okay.","start":1380.41,"end":1380.91,"sentiment":"neutral","sentiment_score":-0.08556628227233887}],"sentiment":"neutral","sentiment_score":-0.08556628227233887,"channel":1,"num_words":1,"start":1380.41,"end":1380.91},{"sentences":[{"text":"because it's kinda gotta go to a bank account in the same name, and you normally","start":1380.62,"end":1385.18,"sentiment":"neutral","sentiment_score":-0.0918853129260242}],"sentiment":"neutral","sentiment_score":-0.0918853129260242,"channel":0,"num_words":16,"start":1380.62,"end":1385.18},{"sentences":[{"text":"Yep.","start":1384.845,"end":1385.345,"sentiment":"neutral","sentiment_score":-0.07118803262710571}],"sentiment":"neutral","sentiment_score":-0.07118803262710571,"channel":1,"num_words":1,"start":1384.845,"end":1385.345},{"sentences":[{"text":"have to, you know, make sure that that's all set up correctly.","start":1385.18,"end":1388.635,"sentiment":"neutral","sentiment_score":-0.05913125413159529}],"sentiment":"neutral","sentiment_score":-0.05913125413159529,"channel":0,"num_words":12,"start":1385.18,"end":1388.635},{"sentences":[{"text":"Yeah.","start":1389.085,"end":1389.405,"sentiment":"neutral","sentiment_score":0.012381533160805702}],"sentiment":"neutral","sentiment_score":0.012381533160805702,"channel":1,"num_words":1,"start":1389.085,"end":1389.405},{"sentences":[{"text":"The","start":1389.335,"end":1389.5751,"sentiment":"neutral","sentiment_score":0.021203091368079185}],"sentiment":"neutral","sentiment_score":0.021203091368079185,"channel":0,"num_words":1,"start":1389.335,"end":1389.5751},{"sentences":[{"text":"Okay.","start":1389.405,"end":1389.905,"sentiment":"neutral","sentiment_score":0.03141339123249054}],"sentiment":"neutral","sentiment_score":0.03141339123249054,"channel":1,"num_words":1,"start":1389.405,"end":1389.905},{"sentences":[{"text":"other thing is just as a suggestion, and you're welcome to tell me to set up, but the other thing you could probably do is you could always just set up a really simple redirection.","start":1389.5751,"end":1400.3899,"sentiment":"neutral","sentiment_score":0.07713438304407257},{"text":"So any extra mail that turns...","start":1400.69,"end":1402.71,"sentiment":"neutral","sentiment_score":0.03684956021606922},{"text":"Goes towards that place is redirected to you, and that might catch anything hard copy that goes through just in case anything goes to the post that way.","start":1402.85,"end":1411.2699,"sentiment":"neutral","sentiment_score":0.02591762352468712}],"sentiment":"neutral","sentiment_score":0.05284774241348108,"channel":0,"num_words":69,"start":1389.5751,"end":1411.2699},{"sentences":[{"text":"Yes.","start":1411.645,"end":1412.145,"sentiment":"neutral","sentiment_score":0.05890880897641182}],"sentiment":"neutral","sentiment_score":0.05890880897641182,"channel":1,"num_words":1,"start":1411.645,"end":1412.145},{"sentences":[{"text":"That's probably the only other option that I could probably think","start":1411.7051,"end":1414.265,"sentiment":"neutral","sentiment_score":0.061288352039727295}],"sentiment":"neutral","sentiment_score":0.061288352039727295,"channel":0,"num_words":11,"start":1411.7051,"end":1414.265},{"sentences":[{"text":"Yeah.","start":1414.125,"end":1414.5249,"sentiment":"neutral","sentiment_score":0.036513373255729675}],"sentiment":"neutral","sentiment_score":0.036513373255729675,"channel":1,"num_words":1,"start":1414.125,"end":1414.5249},{"sentences":[{"text":"of.","start":1414.265,"end":1414.765,"sentiment":"neutral","sentiment_score":0.011580662801861765}],"sentiment":"neutral","sentiment_score":0.011580662801861765,"channel":0,"num_words":1,"start":1414.265,"end":1414.765},{"sentences":[{"text":"I didn't even think about doing that over the last four years.","start":1414.5249,"end":1417.985,"sentiment":"neutral","sentiment_score":-0.048289574682712555}],"sentiment":"neutral","sentiment_score":-0.048289574682712555,"channel":1,"num_words":12,"start":1414.5249,"end":1417.985},{"sentences":[{"text":"You're absolutely fine.","start":1418.905,"end":1420.505,"sentiment":"positive","sentiment_score":0.3920271396636963},{"text":"Honestly, it's not a problem at all.","start":1420.505,"end":1422.6051,"sentiment":"positive","sentiment_score":0.3690745873110635}],"sentiment":"positive","sentiment_score":0.3759603530168533,"channel":0,"num_words":10,"start":1418.905,"end":1422.6051},{"sentences":[{"text":"Yeah.","start":1423.11,"end":1423.61,"sentiment":"neutral","sentiment_score":0.19945785403251648}],"sentiment":"neutral","sentiment_score":0.19945785403251648,"channel":1,"num_words":1,"start":1423.11,"end":1423.61},{"sentences":[{"text":"But, generally, something will come up at some 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I can do is when I sort of look...","start":1608.0449,"end":1610.445,"sentiment":"neutral","sentiment_score":0.013649308552535681},{"text":"Because you are in your fifties, when I am updating advice, I do tend to project out for the next five to ten years.","start":1610.445,"end":1617.4049,"sentiment":"neutral","sentiment_score":0.022542957488136988},{"text":"So I can have a look at where things are tracking over the next five to ten years, which brings us up to about age 62 currently just to give you a bit of an outlook on what we're tracking for currently with my recommendation update.","start":1617.4049,"end":1628.5399,"sentiment":"neutral","sentiment_score":0.04694768170947614},{"text":"Does that sound 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sort of when we're in our fifties looking to looking at when we can possibly start to retire and really kind of wanting to...","start":1633.5,"end":1639.765,"sentiment":"neutral","sentiment_score":0.06460144579410552},{"text":"You know, see the light at the end of the tunnel, so let's say.","start":1640.065,"end":1642.565,"sentiment":"neutral","sentiment_score":-0.011766122654080391}],"sentiment":"neutral","sentiment_score":0.054504450228883,"channel":0,"num_words":41,"start":1631.8999,"end":1642.565},{"sentences":[{"text":"Yep.","start":1643.875,"end":1644.375,"sentiment":"neutral","sentiment_score":0.0932776853442192}],"sentiment":"neutral","sentiment_score":0.0932776853442192,"channel":1,"num_words":1,"start":1643.875,"end":1644.375},{"sentences":[{"text":"Beautiful.","start":1645.345,"end":1645.845,"sentiment":"neutral","sentiment_score":0.1807805597782135},{"text":"And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years?","start":1646.3049,"end":1655.4299,"sentiment":"neutral","sentiment_score":0.018447478398166853}],"sentiment":"neutral","sentiment_score":0.023858581110835074,"channel":0,"num_words":30,"start":1645.345,"end":1655.4299},{"sentences":[{"text":"No idea.","start":1657.61,"end":1658.35,"sentiment":"neutral","sentiment_score":-0.1607023850083351}],"sentiment":"neutral","sentiment_score":-0.1607023850083351,"channel":1,"num_words":2,"start":1657.61,"end":1658.35},{"sentences":[{"text":"No.","start":1659.41,"end":1659.73,"sentiment":"neutral","sentiment_score":-0.13748857378959656},{"text":"That's okay.","start":1659.73,"end":1660.5499,"sentiment":"neutral","sentiment_score":-0.10811784490942955},{"text":"Not not an easy thing to consider.","start":1662.13,"end":1664.2051,"sentiment":"neutral","sentiment_score":-0.19576566985675267},{"text":"Did you want me just to work on maybe an average income","start":1664.2051,"end":1667.185,"sentiment":"neutral","sentiment_score":-0.058250385957459606}],"sentiment":"neutral","sentiment_score":-0.11014039018614726,"channel":0,"num_words":22,"start":1659.41,"end":1667.185},{"sentences":[{"text":"Just","start":1667.015,"end":1667.335,"sentiment":"neutral","sentiment_score":-0.028499608859419823}],"sentiment":"neutral","sentiment_score":-0.028499608859419823,"channel":1,"num_words":1,"start":1667.015,"end":1667.335},{"sentences":[{"text":"realistically","start":1667.245,"end":1667.745,"sentiment":"neutral","sentiment_score":-0.019554132595658302}],"sentiment":"neutral","sentiment_score":-0.019554132595658302,"channel":0,"num_words":1,"start":1667.245,"end":1667.745},{"sentences":[{"text":"an 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the...","start":1667.965,"end":1668.625,"sentiment":"neutral","sentiment_score":-0.011201178655028343}],"sentiment":"neutral","sentiment_score":-0.011201178655028343,"channel":0,"num_words":2,"start":1667.965,"end":1668.625},{"sentences":[{"text":"Yeah.","start":1668.135,"end":1668.635,"sentiment":"neutral","sentiment_score":0.01626604050397873},{"text":"Yeah.","start":1668.855,"end":1669.095,"sentiment":"neutral","sentiment_score":0.027011055499315265}],"sentiment":"neutral","sentiment_score":0.021638548001646996,"channel":1,"num_words":2,"start":1668.135,"end":1669.095},{"sentences":[{"text":"Yes.","start":1668.925,"end":1669.425,"sentiment":"neutral","sentiment_score":0.050813980400562286}],"sentiment":"neutral","sentiment_score":0.050813980400562286,"channel":0,"num_words":1,"start":1668.925,"end":1669.425},{"sentences":[{"text":"That's 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you.","start":1692.125,"end":1694.145,"sentiment":"positive","sentiment_score":0.5497184805572033},{"text":"Lovely.","start":1695.9651,"end":1696.4651,"sentiment":"positive","sentiment_score":0.5950112342834473}],"sentiment":"positive","sentiment_score":0.5600743268926939,"channel":0,"num_words":12,"start":1688.8099,"end":1696.4651},{"sentences":[{"text":"And you said that you're happy not having any insurances or anything like that.","start":1696.8451,"end":1700.4451,"sentiment":"neutral","sentiment_score":0.21277692488261632},{"text":"Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your 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time.","start":1725.055,"end":1725.855,"sentiment":"neutral","sentiment_score":0.052488418916861214},{"text":"Yep.","start":1725.855,"end":1726.355,"sentiment":"neutral","sentiment_score":0.14379394054412842}],"sentiment":"neutral","sentiment_score":0.07673721387982368,"channel":1,"num_words":6,"start":1724.575,"end":1726.355},{"sentences":[{"text":"Excellent.","start":1727.125,"end":1727.625,"sentiment":"positive","sentiment_score":0.4054206013679504},{"text":"Beautiful.","start":1727.765,"end":1728.265,"sentiment":"positive","sentiment_score":0.3926651179790497},{"text":"Now with your portfolio, we do have you in more of a high growth portfolio.","start":1728.7251,"end":1732.745,"sentiment":"neutral","sentiment_score":0.11003162761529287},{"text":"So generally, that sees about 90% of your super investing growth assets.","start":1732.885,"end":1737.4651,"sentiment":"neutral","sentiment_score":0.08362023501346509},{"text":"So thinking about things like Australian shares, international 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market actually have a bigger effect.","start":1765.4299,"end":1771.45,"sentiment":"neutral","sentiment_score":0.12468897200682584},{"text":"If you think about someone who has, say, a $50,000 portfolio, and they see maybe a 5% change or 5% growth or a 5% dip, it's essentially a much smaller difference to someone who has that same 5% on $500,000 invested.","start":1771.75,"end":1790.745,"sentiment":"neutral","sentiment_score":0.05213737605911929}],"sentiment":"neutral","sentiment_score":0.08109243917439518,"channel":0,"num_words":116,"start":1744.4099,"end":1790.745},{"sentences":[{"text":"Do you feel like at the moment you'd be comfortable staying in that high growth environment?","start":1791.765,"end":1796.64,"sentiment":"neutral","sentiment_score":0.008042011933866888},{"text":"Do you want me to maybe reevaluate that that reducing your risk level?","start":1796.7,"end":1800.5399,"sentiment":"neutral","sentiment_score":-0.008774459218749633},{"text":"How do you feel about that?","start":1800.5399,"end":1802.24,"sentiment":"neutral","sentiment_score":-0.02122119938333829}],"sentiment":"neutral","sentiment_score":-0.0032206564343401365,"channel":0,"num_words":35,"start":1791.765,"end":1802.24},{"sentences":[{"text":"No.","start":1802.65,"end":1802.8099,"sentiment":"negative","sentiment_score":-0.3394155502319336},{"text":"I'm happy with where it is at the moment with the high.","start":1802.8099,"end":1805.625,"sentiment":"neutral","sentiment_score":-0.3125502939025561}],"sentiment":"neutral","sentiment_score":-0.314616852081739,"channel":1,"num_words":13,"start":1802.65,"end":1805.625},{"sentences":[{"text":"Yes.","start":1805.58,"end":1805.865,"sentiment":"neutral","sentiment_score":0.06453028321266174},{"text":"That's okay.","start":1806.985,"end":1807.785,"sentiment":"neutral","sentiment_score":0.11400068178772926},{"text":"That's absolutely fine.","start":1807.785,"end":1808.905,"sentiment":"neutral","sentiment_score":0.1934960683186849},{"text":"With the high growth kind of environment, you'd...","start":1808.905,"end":1811.3049,"sentiment":"neutral","sentiment_score":-0.009895255789160728},{"text":"We're generally...","start":1811.3049,"end":1811.965,"sentiment":"neutral","sentiment_score":-0.025979023426771164}],"sentiment":"neutral","sentiment_score":0.046368734911084175,"channel":0,"num_words":16,"start":1805.58,"end":1811.965},{"sentences":[{"text":"When we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return.","start":1812.025,"end":1822.23,"sentiment":"neutral","sentiment_score":0.0626848591773799},{"text":"We do know that with the ups and downs the market can provide, the likelihood of a negative return is around about one in every five years.","start":1822.93,"end":1830.4501,"sentiment":"neutral","sentiment_score":-0.21341621903357683},{"text":"So you still have that time horizon ahead of you as long as you're comfortable with the volatility that your portfolio can see.","start":1830.4501,"end":1838.025,"sentiment":"neutral","sentiment_score":-0.05406797175174174},{"text":"And I'm here to sort of talk you through it so you can, you know, catch up more regularly to look at how things are progressing and make changes as need be.","start":1838.485,"end":1845.785,"sentiment":"neutral","sentiment_score":0.20469618611969054}],"sentiment":"neutral","sentiment_score":0.014026756908582605,"channel":0,"num_words":115,"start":1812.025,"end":1845.785},{"sentences":[{"text":"Yep.","start":1846.18,"end":1846.68,"sentiment":"neutral","sentiment_score":0.2161291241645813}],"sentiment":"neutral","sentiment_score":0.2161291241645813,"channel":1,"num_words":1,"start":1846.18,"end":1846.68},{"sentences":[{"text":"But you're still fairly 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fine.","start":1858.1649,"end":1858.8049,"sentiment":"neutral","sentiment_score":0.17195330560207367},{"text":"Alrighty.","start":1858.8049,"end":1859.3049,"sentiment":"neutral","sentiment_score":0.2150469720363617}],"sentiment":"neutral","sentiment_score":0.0773722268640995,"channel":1,"num_words":10,"start":1856.325,"end":1859.3049},{"sentences":[{"text":"Yep.","start":1859.77,"end":1860.135,"sentiment":"neutral","sentiment_score":0.1871377229690552},{"text":"Not a problem at all.","start":1861.495,"end":1862.535,"sentiment":"neutral","sentiment_score":0.29067113995552063},{"text":"I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel?","start":1862.535,"end":1877.86,"sentiment":"neutral","sentiment_score":0.011112676390136281},{"text":"Do you think you'd be going, hey.","start":1877.86,"end":1879.14,"sentiment":"neutral","sentiment_score":0.04351524902241571},{"text":"This could be a buying opportunity.","start":1879.14,"end":1880.6,"sentiment":"neutral","sentiment_score":0.2075913945833842}],"sentiment":"neutral","sentiment_score":0.05558294030045396,"channel":0,"num_words":67,"start":1859.77,"end":1880.6},{"sentences":[{"text":"Let's put some money in.","start":1880.66,"end":1882.12,"sentiment":"neutral","sentiment_score":0.13232578039169313},{"text":"Are you probably maybe calling us and saying, what were you suggesting you're a little bit concerned, or are you really feeling very anxious about it and wanting to move your money into cash?","start":1882.5,"end":1892.375,"sentiment":"neutral","sentiment_score":-0.09810989109032295},{"text":"How do you think you might 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review the documents there, Nicole.","start":2206.285,"end":2209.265,"sentiment":"positive","sentiment_score":0.46115989409960234},{"text":"Once you have, we'll just ask you to sign each of those and return them back just so we can get the advice updated for you and provide everything and keep working hard for you.","start":2209.325,"end":2217.66,"sentiment":"positive","sentiment_score":0.511584952047893}],"sentiment":"positive","sentiment_score":0.49868109237913993,"channel":0,"num_words":51,"start":2204.845,"end":2217.66},{"sentences":[{"text":"All good.","start":2217.9,"end":2219.3599,"sentiment":"positive","sentiment_score":0.4836147427558899}],"sentiment":"positive","sentiment_score":0.4836147427558899,"channel":0,"num_words":2,"start":2217.9,"end":2219.3599},{"sentences":[{"text":"Yep.","start":2219.225,"end":2219.725,"sentiment":"neutral","sentiment_score":0.3007916808128357}],"sentiment":"neutral","sentiment_score":0.3007916808128357,"channel":1,"num_words":1,"start":2219.225,"end":2219.725},{"sentences":[{"text":"Beautiful.","start":2220.5398,"end":2221.02,"sentiment":"positive","sentiment_score":0.44700562953948975},{"text":"Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you.","start":2221.02,"end":2228.48,"sentiment":"neutral","sentiment_score":0.16862669785817463},{"text":"It generally takes me about four to five weeks to put everything together and do the research.","start":2228.78,"end":2233.28,"sentiment":"neutral","sentiment_score":0.09701347701689776},{"text":"Is there a day or time that normally suits you better?","start":2233.745,"end":2236.405,"sentiment":"neutral","sentiment_score":0.04525312679735097}],"sentiment":"neutral","sentiment_score":0.12970881473462462,"channel":0,"num_words":59,"start":2220.5398,"end":2236.405},{"sentences":[{"text":"No.","start":2241.0999,"end":2241.34,"sentiment":"neutral","sentiment_score":-0.07973333448171616},{"text":"Not really either.","start":2241.34,"end":2242.48,"sentiment":"neutral","sentiment_score":-0.08215667804082234},{"text":"No.","start":2243.9,"end":2244.14,"sentiment":"neutral","sentiment_score":-0.07952196896076202},{"text":"It says they are those, like, before...","start":2244.14,"end":2246.895,"sentiment":"neutral","sentiment_score":-0.044728118128010204},{"text":"After two and before four is normally pretty good somewhere in there.","start":2248.875,"end":2252.655,"sentiment":"neutral","sentiment_score":-0.005875295183310906}],"sentiment":"neutral","sentiment_score":-0.03288857111086448,"channel":1,"num_words":24,"start":2241.0999,"end":2252.655},{"sentences":[{"text":"Yeah.","start":2252.64,"end":2253.14,"sentiment":"neutral","sentiment_score":0.0608554482460022},{"text":"Absolutely.","start":2253.3599,"end":2253.8599,"sentiment":"neutral","sentiment_score":0.08285899460315704},{"text":"So if I pop it in maybe for, say, three...","start":2254.48,"end":2257.22,"sentiment":"neutral","sentiment_score":0.053341617435216905},{"text":"I do 03:00 on Thursday, the twenty ninth.","start":2257.92,"end":2261.375,"sentiment":"neutral","sentiment_score":0.03287416114471853},{"text":"Would that be okay?","start":2261.375,"end":2262.355,"sentiment":"neutral","sentiment_score":0.053911617025732994}],"sentiment":"neutral","sentiment_score":0.04815709893591702,"channel":0,"num_words":24,"start":2252.64,"end":2262.355},{"sentences":[{"text":"Yeah.","start":2262.5999,"end":2262.8398,"sentiment":"neutral","sentiment_score":0.08053924143314362},{"text":"That's fine.","start":2262.8398,"end":2263.66,"sentiment":"neutral","sentiment_score":0.16369280219078064}],"sentiment":"neutral","sentiment_score":0.13597494860490164,"channel":1,"num_words":3,"start":2262.5999,"end":2263.66},{"sentences":[{"text":"Yep.","start":2264.2551,"end":2264.655,"sentiment":"neutral","sentiment_score":0.25514230132102966},{"text":"Beautiful.","start":2264.655,"end":2265.155,"sentiment":"positive","sentiment_score":0.460829496383667},{"text":"I'll pop that one in there for 03:00 there for you.","start":2265.215,"end":2267.695,"sentiment":"neutral","sentiment_score":0.23552054166793823},{"text":"I'll send a text message reminder because it is a couple of weeks away, but the text message will just let you know that we're calling.","start":2267.695,"end":2273.67,"sentiment":"neutral","sentiment_score":0.16816470514123255},{"text":"If anything comes up and that time doesn't work for you, you're welcome to let me know.","start":2273.67,"end":2277.85,"sentiment":"neutral","sentiment_score":0.1445862574995879}],"sentiment":"neutral","sentiment_score":0.18101690120030461,"channel":0,"num_words":56,"start":2264.2551,"end":2277.85},{"sentences":[{"text":"But I'll have the advice ready to go then for you, and I'll do the research about updating your portfolio.","start":2277.99,"end":2282.49,"sentiment":"neutral","sentiment_score":0.24642382711172103},{"text":"Okay?","start":2282.95,"end":2283.45,"sentiment":"neutral","sentiment_score":0.07600715756416321}],"sentiment":"neutral","sentiment_score":0.2383087476094564,"channel":0,"num_words":21,"start":2277.99,"end":2283.45},{"sentences":[{"text":"Yep.","start":2283.375,"end":2283.875,"sentiment":"neutral","sentiment_score":0.05158388614654541},{"text":"Yep.","start":2284.095,"end":2284.415,"sentiment":"neutral","sentiment_score":0.028433896601200104},{"text":"No.","start":2284.415,"end":2284.495,"sentiment":"neutral","sentiment_score":-0.09017355740070344},{"text":"That's fine.","start":2284.495,"end":2285.315,"sentiment":"neutral","sentiment_score":0.05251645669341087}],"sentiment":"neutral","sentiment_score":0.018975427746772765,"channel":1,"num_words":5,"start":2283.375,"end":2285.315},{"sentences":[{"text":"Oh, lovely.","start":2286.145,"end":2286.625,"sentiment":"positive","sentiment_score":0.7170697152614594},{"text":"Thank you so much for your time, Nicole.","start":2286.625,"end":2288.3052,"sentiment":"positive","sentiment_score":0.8727099969983101},{"text":"It's been a pleasure.","start":2288.3052,"end":2289.185,"sentiment":"positive","sentiment_score":0.9132496267557144},{"text":"I look forward to putting this together for you.","start":2289.185,"end":2291.1052,"sentiment":"positive","sentiment_score":0.8855648703045316},{"text":"If you find anything comes up, you need any assistance, or have any questions, please let me know.","start":2291.1052,"end":2296.0852,"sentiment":"neutral","sentiment_score":0.32449271778265637}],"sentiment":"positive","sentiment_score":0.6312139186917282,"channel":0,"num_words":41,"start":2286.145,"end":2296.0852},{"sentences":[{"text":"If not, I'll talk to you on the twenty ninth.","start":2296.385,"end":2298.405,"sentiment":"neutral","sentiment_score":0.07912900540977716}],"sentiment":"neutral","sentiment_score":0.07912900540977716,"channel":0,"num_words":10,"start":2296.385,"end":2298.405},{"sentences":[{"text":"Yep.","start":2298.78,"end":2299.1,"sentiment":"neutral","sentiment_score":0.17023150622844696},{"text":"No worries at all.","start":2299.1,"end":2300.24,"sentiment":"neutral","sentiment_score":0.31262775510549545}],"sentiment":"neutral","sentiment_score":0.28414850533008573,"channel":1,"num_words":5,"start":2298.78,"end":2300.24},{"sentences":[{"text":"Oh, thank you so much for taking my call.","start":2301.1401,"end":2302.82,"sentiment":"positive","sentiment_score":0.7980393038855659},{"text":"I hope you have a lovely afternoon and a great weekend ahead.","start":2302.82,"end":2305.6401,"sentiment":"positive","sentiment_score":0.8161146839459738}],"sentiment":"positive","sentiment_score":0.8083680924915132,"channel":0,"num_words":21,"start":2301.1401,"end":2305.6401},{"sentences":[{"text":"No worries.","start":2305.823,"end":2306.383,"sentiment":"positive","sentiment_score":0.37323278188705444},{"text":"You too.","start":2306.383,"end":2306.783,"sentiment":"positive","sentiment_score":0.4503057599067688},{"text":"Thanks.","start":2306.783,"end":2307.283,"sentiment":"positive","sentiment_score":0.631745457649231}],"sentiment":"positive","sentiment_score":0.45576450824737547,"channel":1,"num_words":5,"start":2305.823,"end":2307.283},{"sentences":[{"text":"Thanks, Nicole.","start":2307.9402,"end":2308.74,"sentiment":"positive","sentiment_score":0.6352049112319946},{"text":"Talk to you soon.","start":2308.74,"end":2309.3801,"sentiment":"positive","sentiment_score":0.49629805982112885},{"text":"See you later.","start":2309.3801,"end":2310.1,"sentiment":"positive","sentiment_score":0.3845120668411255},{"text":"Bye.","start":2310.1,"end":2310.6,"sentiment":"neutral","sentiment_score":-0.11880970746278764}],"sentiment":"positive","sentiment_score":0.42903285548090936,"channel":0,"num_words":10,"start":2307.9402,"end":2310.6}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with clients about their annual reviews and portfolio growth. They suggest removing certain investments from the portfolio and rebuilding a passive portfolio, emphasizing the importance of personal insurance coverage and updating account details. The agents stress the importance of staying in a high growth environment and offer assistance for updating portfolios and updating income and retirement savings. The annual review pack is discussed, and the agents provide detailed descriptions of the ongoing service agreement and tax file opt-in form."},"intents":{"segments":[{"text":"I just had to book in today to go through your annual review. Is now still a good time there for you? Yeah.","start_word":28,"end_word":50,"intents":[{"intent":"Confirm time","confidence_score":0.010655762},{"intent":"Request annual review","confidence_score":0.0036031697}]},{"text":"And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there. Yeah.","start_word":90,"end_word":116,"intents":[{"intent":"Provide security","confidence_score":0.38160244}]},{"text":"Nicole, we normally send through some documents to you via email to review with us as we are going through things. Are you able to access your email there at the moment at all?","start_word":148,"end_word":181,"intents":[{"intent":"Access email","confidence_score":0.14273003}]},{"text":"Nicole, we normally send through some documents to you via email to review with us as we are going through things. Are you able to access your email there at the moment at all? Yep.","start_word":148,"end_word":182,"intents":[{"intent":"Send documents","confidence_score":0.019188173}]},{"text":"So I have been having a bit of look at your portfolio and looking at some area that we can look to make some changes for you to keep it working and growing and building.","start_word":401,"end_word":435,"intents":[{"intent":"Make portfolio changes","confidence_score":0.018477928},{"intent":"Analyze performance","confidence_score":0.003826248},{"intent":"Discuss portfolio changes","confidence_score":0.07359595},{"intent":"Discuss portfolio changes","confidence_score":0.21790859}]},{"text":"essentially seeing a bit of growth and trying to build on that much higher four years. So it's good to see you're back over that mark. You've hit that hurdle, and now we've got that additional growth there. But we do wanna sort of try and build on that. And this Yep.","start_word":509,"end_word":560,"intents":[{"intent":"Reflect on past growth","confidence_score":0.01497239}]},{"text":"So I would like to maybe look at switching some of those out, maybe reevaluating the portfolio and trying to divert you out a little bit more. Are you okay with that?","start_word":954,"end_word":985,"intents":[{"intent":"Review portfolio management","confidence_score":0.021904087}]},{"text":"That was supposed to provide benefit within the fund.","start_word":1406,"end_word":1414,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.03278782}]},{"text":"Look, active managers honestly don't always outperform against the market. There are plenty of them out there. As you can see, we've been along. It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well. So this is just time to remove that out. Yep.","start_word":1574,"end_word":1636,"intents":[{"intent":"Remove active manager","confidence_score":0.04026365}]},{"text":"Yep.","start_word":1868,"end_word":1868,"intents":[{"intent":"Decrease fees","confidence_score":0.0004060061},{"intent":"Reduce investment fees","confidence_score":0.18918464}]},{"text":"Would you like me to look at something like that for you? Yeah.","start_word":1903,"end_word":1915,"intents":[{"intent":"Provide better returns","confidence_score":0.35434347}]},{"text":"I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager. It is a passive portfolio. It might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone. That way we have Yes.","start_word":1921,"end_word":2005,"intents":[{"intent":"Set up portfolio","confidence_score":0.048678953},{"intent":"Manage portfolio","confidence_score":0.38401076}]},{"text":"a lot more control around what you're invested in. Does that sound like something you'd be open to? Yep.","start_word":2006,"end_word":2024,"intents":[{"intent":"Correct portfolio information","confidence_score":0.000018377064}]},{"text":"One of the things I do look at is capital gains. So a lot of people don't realize that just like you, your super fund actually does a tax return every year. Your super fund pays income tax and capital gains tax. When Yep.","start_word":2029,"end_word":2072,"intents":[{"intent":"Understand importance of capital gains","confidence_score":0.023308733}]},{"text":"I just wanted to find out what's more important to you. Is it about having us being able to maneuver the portfolio for you without having to call and go, hey. This is underperforming. Let's update the advice. Yep.","start_word":2137,"end_word":2175,"intents":[{"intent":"Update advice","confidence_score":0.06559686}]},{"text":"Just the other thing to sort of look at here is with your super, you don't have any insurances held within the super fund. You've got into the life, PPD, income protection, trauma cover, things like that. Do you have any personal insurance that's part of super that you pay for? Or... No. No.","start_word":2301,"end_word":2354,"intents":[{"intent":"Resolve insurance issue","confidence_score":0.0031243714}]},{"text":"So I'm actually submitting that now for you while we're on the phone. I just need verbal approval to do so.","start_word":2808,"end_word":2828,"intents":[{"intent":"Request a callback","confidence_score":0.0022868016}]},{"text":"We have 2,600 made for the last financial year, and you're happy for me to claim the personal deduction... Personal deduction on the full 2,600, and I'll just press the fee. And that has all been done for you. It's now in progress for the last financial year.","start_word":3025,"end_word":3072,"intents":[{"intent":"Calculate deduction amount","confidence_score":0.004215182}]},{"text":"I have got shares in some stuff, but I have no idea what they are where they are. It's something I No.","start_word":3757,"end_word":3778,"intents":[{"intent":"Find share positions","confidence_score":0.0001646428}]},{"text":"I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address Nothing?","start_word":4219,"end_word":4242,"intents":[{"intent":"Manage documents and senders","confidence_score":0.0000019001676}]},{"text":"Now when I'm still going back and looking at the research for you on updating the advice and your portfolio for you, I do kind of project in the back end what we're tracking for with regard to retirement. So just sort of thinking forward, do you know what age you would really like to be able to stop working and retire and start accessing your super?","start_word":4855,"end_word":4921,"intents":[{"intent":"Evaluate retirement age","confidence_score":0.056852777},{"intent":"Project retirement age","confidence_score":0.19062254},{"intent":"Update advice and portfolio","confidence_score":0.27284387}]},{"text":"And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years? No idea.","start_word":5143,"end_word":5173,"intents":[{"intent":"Evaluate economic goals","confidence_score":0.00001562729}]},{"text":"An average income at the moment under the ASSA regulations is around about sort of 70 to 75,000 for a comfortable retirement for a person. So are you happy with me just working on that to see where that tracks for for you? And then as you get closer, we can always update that. Yep.","start_word":5210,"end_word":5264,"intents":[{"intent":"Update income","confidence_score":0.35113916}]},{"text":"And you said that you're happy not having any insurances or anything like that. Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your retirement? Yeah.","start_word":5278,"end_word":5320,"intents":[{"intent":"Understand insurance coverage","confidence_score":0.0009746108}]},{"text":"Do you feel like at the moment you'd be comfortable staying in that high growth environment? Do you want me to maybe reevaluate that that reducing your risk level? How do you feel about that?","start_word":5534,"end_word":5568,"intents":[{"intent":"Evaluate portfolio's growth","confidence_score":0.0000051400434}]},{"text":"With the high growth kind of environment, you'd... We're generally... When we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return.","start_word":5589,"end_word":5631,"intents":[{"intent":"Identify risk profile","confidence_score":0.0015880449}]},{"text":"I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel?","start_word":5761,"end_word":5808,"intents":[{"intent":"Discuss portfolio preferences","confidence_score":0.0008663424}]},{"text":"And what I kinda wanna make sure we do moving forward is have those catch ups with you. So maybe once every six months in between the annual review. We just check-in to see how things are going for you.","start_word":5918,"end_word":5957,"intents":[{"intent":"Request monthly check-in","confidence_score":0.0001751097}]},{"text":"Are there any changes, give you a bit of an update on your paper, and that way you get a little bit more contact, and we can make changes more regularly if we need to. Does that sound preferable to you? Yeah.","start_word":5959,"end_word":6000,"intents":[{"intent":"Express interest in changes","confidence_score":0.00012062664}]},{"text":"Now the last couple of documents we do have in the annual review pack there are the Vanguard index chart. It just shows you how markets move up and down and why we invest the way we do.","start_word":6005,"end_word":6042,"intents":[{"intent":"Discuss investment techniques","confidence_score":0.000012540809}]},{"text":"They are always up and down, but over the longer term, we tend to see really good market reactions out of our growth assets. That's why we are generally comfortable taking the amount of risk. Yep.","start_word":6119,"end_word":6154,"intents":[{"intent":"Discuss market reactions","confidence_score":0.18721317}]},{"text":"That is the next document along. I know it's a lot to look at, but do you have any questions about any of that on that document? Did you want me to break it down a little bit more for you? Or... No.","start_word":6155,"end_word":6197,"intents":[{"intent":"Offer guidance on document","confidence_score":0.002086619}]},{"text":"The document after that is the ongoing service agreement for the next twelve months there. And, of course, if you're happy to stay on board, we do get you to sign and return this one back for us.","start_word":6255,"end_word":6292,"intents":[{"intent":"Explain service agreement","confidence_score":0.13097219}]},{"text":"Essentially, with our ongoing service fee, it is a percentage based fee effective. It has changed a little bit in the last couple of years. Our ongoing service fee is now calculated based on an amount of funds that we manage for you. We use a tiered structure now. So different fees and rates apply to the different level of funds under management.","start_word":6293,"end_word":6355,"intents":[{"intent":"Explain fee structure","confidence_score":0.13402522}]},{"text":"Essentially, where the... Once applicable fee has been calculated, set at 1.65%.","start_word":6357,"end_word":6368,"intents":[{"intent":"Explain fee calculation","confidence_score":0.61388904},{"intent":"Explain fee calculation","confidence_score":0.6956936},{"intent":"Explain fee calculation","confidence_score":0.63763815},{"intent":"Explain fee calculation","confidence_score":0.5756752},{"intent":"Explain fee calculation","confidence_score":0.4247817},{"intent":"Explain fee calculation","confidence_score":0.30540714}]},{"text":"Essentially, where the... Once applicable fee has been calculated, set at 1.65%. We now have it as a peer structure. So when your balance hits 200,000, the amount over 200,000 is calculated at the lower tier of 1.375. And then when your super balance hits that $500,000 mark, the amount over that is calculated 1.50.","start_word":6357,"end_word":6411,"intents":[{"intent":"Explain fee structure","confidence_score":0.01370402},{"intent":"Clarify fee calculation","confidence_score":0.019463133},{"intent":"Explain fee calculations","confidence_score":0.0361427},{"intent":"Explain fee calculations","confidence_score":0.045559384},{"intent":"Explain balance calculation","confidence_score":0.0023016676}]},{"text":"It's also about making sure you understand a little bit more visibility on how much you'll pay.","start_word":6460,"end_word":6476,"intents":[{"intent":"Ensure visibility","confidence_score":0.0030212821}]},{"text":"So we do hold your tax phone number, but we just wanna update all of our records to make sure you're aware that we hold your tax phone number and how and why we do so.","start_word":6686,"end_word":6721,"intents":[{"intent":"Clarify tax phone number holding","confidence_score":0.00027440148}]},{"text":"Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you. It generally takes me about four to five weeks to put everything together and do the research. Is there a day or time that normally suits you better? No. Not really either.","start_word":6934,"end_word":6995,"intents":[{"intent":"Schedule a meeting","confidence_score":0.033062357}]}]},"sentiments":{"segments":[{"text":"Hello. Nicole speaking. Yes. What Hi, was Nicole. it? This is Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.10512114316225052},{"text":"Good.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.437997043132782},{"text":"And you?","start_word":21,"end_word":22,"sentiment":"neutral","sentiment_score":0.29906004667282104},{"text":"I'm very well. Thank you.","start_word":23,"end_word":27,"sentiment":"positive","sentiment_score":0.638177216053009},{"text":"I just had to book in today to go through your annual review. Is now still a good time there for you? Yeah. That's fine.","start_word":28,"end_word":52,"sentiment":"neutral","sentiment_score":0.28280264139175415},{"text":"Fantastic.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.6733682155609131},{"text":"Miss Hall, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. That's fine.","start_word":54,"end_word":88,"sentiment":"neutral","sentiment_score":0.229399174451828},{"text":"Fantastic.","start_word":89,"end_word":89,"sentiment":"positive","sentiment_score":0.5719720721244812},{"text":"And just to do security there with you, just to confirm your full name, your date of birth, and address I should have on file there. Yeah. Nicole George Price, nineteen to eleven seventy four. Yep.","start_word":90,"end_word":125,"sentiment":"neutral","sentiment_score":0.14117634296417236},{"text":"Beautiful.","start_word":126,"end_word":126,"sentiment":"positive","sentiment_score":0.36860910058021545},{"text":"Yep.","start_word":127,"end_word":127,"sentiment":"neutral","sentiment_score":0.26229098439216614},{"text":"Thank you so much.","start_word":128,"end_word":131,"sentiment":"positive","sentiment_score":0.5342718362808228},{"text":"No worries. How has your day been so far? Yeah.","start_word":132,"end_word":141,"sentiment":"neutral","sentiment_score":0.24521388113498688},{"text":"Good. Thank you. Oh, that's good.","start_word":142,"end_word":147,"sentiment":"positive","sentiment_score":0.35426291823387146},{"text":"Nicole, we normally send through some documents to you via email to review with us as we are going through things. Are you able to access your email there at the moment at all? Yep. Yep.","start_word":148,"end_word":183,"sentiment":"neutral","sentiment_score":0.07284373044967651},{"text":"Fantastic.","start_word":184,"end_word":184,"sentiment":"positive","sentiment_score":0.33773273229599},{"text":"I'll just press send on this one there for you. If I can just get you to pop in there, it'll come through from overtime. From Dana Taylor. Is it... That's the one. Yeah.","start_word":185,"end_word":218,"sentiment":"neutral","sentiment_score":0.12296265363693236},{"text":"Beautiful. Thank you.","start_word":219,"end_word":221,"sentiment":"positive","sentiment_score":0.36382168531417847},{"text":"Excellent. What Now am when you open that... So this is... That's okay. So you I click talking? the button there so you can move through so you can review the documents. It will not let you sign anything or it won't ask you to sign anything until you've gone through and read them all. It's just so you can review the documents to begin with. Okay. No worries. Yeah. No. That's okay. I promise. It'll never let you find anything you haven't read. Yep. That's okay. When it goes through the first document, it should show you is a summary of your superannuation and insurances there or superannuation. Sorry. Yep. Beautiful. So having a look at that one there, your balance is sitting at $241,236.42 there. Yep. Yeah. When I have a look back at the same time, essentially, last year, the value of your super sitting there was about a $127,450.","start_word":222,"end_word":374,"sentiment":"neutral","sentiment_score":0.04149962779061467},{"text":"11. So I've had a really good increase over the last twelve months there, which is good. We definitely kind of wanna build on that for you.","start_word":374,"end_word":400,"sentiment":"positive","sentiment_score":0.6500649452209473},{"text":"So I have been having a bit of look at your portfolio and looking at some area that we can look to make some changes for you to keep it working and growing and building. I did go back and have a bit of a look. I can sort of see over the past few years, there was a point when you came on board that your balance was at 100 k, and then it sort of dips down around 2022. And it has been sort of building back up until about 2024, which is when it kinda went back to where it was. And now we're Yes. essentially seeing a bit of growth and trying to build on that much higher four years.","start_word":401,"end_word":524,"sentiment":"neutral","sentiment_score":0.1414206475019455},{"text":"So it's good to see you're back over that mark.","start_word":525,"end_word":534,"sentiment":"positive","sentiment_score":0.5594033598899841},{"text":"You've hit that hurdle, and now we've got that additional growth there. But we do wanna sort of try and build on that. And this Yep. year, we found that with the ups and downs and a lot of what's been happening globally in the market, there has been some ups and downs and volatility. This year is definitely where we're seeing lower rates of return. Your portfolio has still come out with a positive return after the past twelve months, which is great, but it is definitely lower than what we would like to see. I can certainly see some changes that I would like to look at making in your portfolio for Yep. you. Nicole, if you're able to go to the next document there for me, you've got your performance with internal rate of return. Yep. Yeah. So having a look at those investments, this is definitely one of the older portfolios there. I can definitely see that with the Benelong Australian concentrated equity fund, that one is underperforming pretty significantly this year. So I do wanna look for moving that out of portfolio for you. We'll look at replacing that one. I also have sort of noted with the China, the Bennett China, the second one from the bottom, that one again is quite down. It has been quite the... With the... Trying to think about how hostile still, there's still a lot of hostilities between the country. So we are finding China hasn't kinda come out and growing the way it was supposed to after COVID. It's not really seeing the gains that we are... Had been expecting or that economists have been expecting as well. So I would like to maybe look at removing that from your portfolio there for you as well. The other side of things I can see is that your portfolio is quite tech heavy. So if you first look at the second investment down, you've got cybersecurity. We've got battery and lithium tech. We've also got the Global X tech in there as well, and the S and P 500, which does also encompass some tech and AI and things like that. So you are very tech heavy, and that this year has been quite a lot of volatility, albeit those investments see it's still seeing the up. They are sort of... They have had a little bit of up and down this year and, you know, seeing some negative returns and not some great returns as well. So I would like to maybe look at switching some of those out, maybe reevaluating the portfolio and trying to divert you out a little bit more. Are you okay with that? Do you have any questions for me at the moment? No. I don't really know that sort of thing, so I'll take your word for it. That's that's okay. If you finally have questions, you're welcome to let me know.","start_word":535,"end_word":1025,"sentiment":"neutral","sentiment_score":-0.06528753940539544},{"text":"I do Yes. really enjoy this stuff. As you can probably tell, probably our happiest person in the world to talk about superannuation.","start_word":1026,"end_word":1048,"sentiment":"positive","sentiment_score":0.4227139949798584},{"text":"Yep. But definitely just wanna make sure that, you know, where were they going with things? This is your hard earned money too, so we wanna make sure that it's looked after correctly and that's working towards your goal. Yep. Yeah. And, obviously, you would say that there was a a $100 injected into that. So that doesn't really make Yes. much difference as far as what you guys do from your endo. Not necessarily. Some of that money has been invested into that. It has made a little bit of a difference. That money going in is then reinvested into the portfolio That comes out with additional growth and income, which is compounded and reinvested back.","start_word":1049,"end_word":1165,"sentiment":"neutral","sentiment_score":0.16675162124328125},{"text":"So whilst, you know, whilst it doesn't feel like it does a great deal, it definitely does make a difference, and that difference will continue as it compounds.","start_word":1166,"end_word":1193,"sentiment":"positive","sentiment_score":0.4248810112476349},{"text":"If you sort Yes. of think about, you know, putting that money in, it's getting a 5% return, it earns income. That money is reinvested back, and then it makes income, and it's reinvested back. And that, Yes. over a shorter period of time, has a lesser effect.","start_word":1194,"end_word":1241,"sentiment":"neutral","sentiment_score":0.3060382902622223},{"text":"But as that goes on, that's gonna have a much greater effect for you. So it definitely has made a difference in a positive sense, but I wanted to continue to make that difference for you and to grow even harder, if that makes sense.","start_word":1242,"end_word":1286,"sentiment":"positive","sentiment_score":0.5942796468734741},{"text":"Yep. No worries. Yeah.","start_word":1287,"end_word":1290,"sentiment":"neutral","sentiment_score":0.21496763825416565},{"text":"Beautiful.","start_word":1291,"end_word":1291,"sentiment":"positive","sentiment_score":0.4477760791778565},{"text":"The other thing I sort of wanted to double check with you, we have... Not not everyone has sort of an opinion on what they wanna see their funds invested in, but one of the things that I do like to kind of clarify is there are different ways to build portfolios, and we have access to so many different investment options to build the portfolio. Essentially, with the Benelong Australian Equities Investment, that was originally putting in a portfolio because it was an actively managed fund. So the Benelong investment manager was supposed to try and outperform against the market, trying to time the market and choose which investments to put in there. That was supposed to provide benefit within the fund. This year, they haven't really been able to do that. They have had the past years where, again, they've struggled, and I just wanna get rid of them now because it's not worth keeping them in there. But Mhmm. there are other active managers that, well, there's no guarantees they can outperform against the market every year. They can do so. To have an active investment manager in your portfolio, you do pay a little extra money for that. You do pay higher investment fees. So I could look to keep an active portfolio together for you, or I could look at lowering the cost of your portfolio, focus on something more passive. What would you prefer?","start_word":1292,"end_word":1531,"sentiment":"neutral","sentiment_score":-0.009904001637672384},{"text":"I really have no idea, but if I'm paying, getting charged for something that I'm not using, then you might as well get rid of it unless you can... Think you can do more good than... With it.","start_word":1532,"end_word":1569,"sentiment":"negative","sentiment_score":-0.37326228618621826},{"text":"I don't know. Yeah. Look, active managers honestly don't always outperform against the market. There are plenty of them out there. As you can see, we've been along.","start_word":1570,"end_word":1597,"sentiment":"neutral","sentiment_score":-0.2091466337442398},{"text":"It's down pretty hefty this year, and I don't really like that it has had the ups and downs, and they've struggled the last couple of years as well. So this is just time to remove that out.","start_word":1598,"end_word":1635,"sentiment":"negative","sentiment_score":-0.4056548476219177},{"text":"Yep. The other sort of option is having a passive portfolio, which is just, you know, assets that track the market. You still wanna have them allocated into a portfolio so that it's lowering risk and providing good returns. But a passive portfolio, when you think of the longer term, it can actually outperform and perform better than active managers because you're staying invested and and, yeah, compounding the returns and things like that. Yeah. I don't even know what an active If... manager is. I didn't even know I was paying extra for that. Yeah. No. That's okay. That's absolutely fine. Honestly, not a lot of people do understand the difference between the two, but you were... You definitely have been along the concentrated equities fund within that portfolio, and they are supposed to be trying to buy and sell and hide in the market and pick when to get in and out, and they just can't do that every year. And this investment has struggled to do that over the last couple of years as well. Yep. I... Honestly, if you would like to... What I would sort of really like to do is definitely look at trying to reduce some of the costs within your portfolio, look at the investment fees, try to reduce them where possible because that can make a difference long term for you as well. Yep. Probably looking at maybe removing that active management component and maybe having it in more of a passive portfolio, which can provide greater long term growth and can do better... Can provide better returns. Would you like me to look at something like that for you? Yeah.","start_word":1636,"end_word":1915,"sentiment":"neutral","sentiment_score":0.03269200772047043},{"text":"That sounds fine. Yeah. Beautiful.","start_word":1916,"end_word":1920,"sentiment":"positive","sentiment_score":0.4904164969921112},{"text":"I do also have another option where we have set up our own kind of separately managed investment account with the use of an investment manager. It is a passive portfolio. It might also save you in fees, but it means that when they are underperforming investments, instead of us having to talk to you and update the advice, we can actually make changes to the portfolio and sort those investments out without you having to be on the phone. That way we have Yes. a lot more control around what you're invested in. Does that sound like something you'd be open to? Yep. Definitely. Yeah.","start_word":1921,"end_word":2026,"sentiment":"neutral","sentiment_score":0.1580115556716919},{"text":"Beautiful. Lovely.","start_word":2027,"end_word":2028,"sentiment":"positive","sentiment_score":0.5675697922706604},{"text":"One of the things I do look at is capital gains. So a lot of people don't realize that just like you, your super fund actually does a tax return every year. Your super fund pays income tax and capital gains tax. When Yep. we are switching investments around, there are capital gains consequences. So your super fund does have to pay capital gains when we buy and sell off with investments. I do look at that as well. I'll look at that. I'll look at the past performance. I'll look at the fees and how it looks and try to minimize as much as possible. But Yep. I just wanted to find out what's more important to you. Is it about having us being able to maneuver the portfolio for you without having to call and go, hey. This is underperforming. Let's update the advice. Yep. Or are Definitely. you kind of more concerned about the fee aspect? What's more important than Yeah. a call? No. I've got no idea. Having So... No. us I'd manage rather you it? guys do it. Yep. Yes.","start_word":2029,"end_word":2213,"sentiment":"neutral","sentiment_score":0.05646196752786637},{"text":"Beautiful.","start_word":2214,"end_word":2214,"sentiment":"positive","sentiment_score":0.34511464834213257},{"text":"Lovely. So the management side of things and being able to alter the portfolio where needed. Yep. Yep.","start_word":2215,"end_word":2232,"sentiment":"neutral","sentiment_score":0.15956449508666992},{"text":"Beautiful.","start_word":2233,"end_word":2233,"sentiment":"positive","sentiment_score":0.35583174228668213},{"text":"I know it is a lot. Do you have any questions at the moment in relation to any of that? You are definitely welcome to let me know if you do. Not really. No. No. That's okay.","start_word":2234,"end_word":2270,"sentiment":"neutral","sentiment_score":0.10381002724170683},{"text":"You're absolutely fine. Beautiful. I've got a couple of really good ideas of what I'd like to do. I'll go back and complete the research there for you.","start_word":2271,"end_word":2298,"sentiment":"positive","sentiment_score":0.40135475993156433},{"text":"Yep. Just the other thing to sort of look at here is with your super, you don't have any insurances held within the super fund. You've got into the life, PPD, income protection, trauma cover, things like that. Do you have any personal insurance that's part of super that you pay for? Or... No. No. That's okay.","start_word":2299,"end_word":2355,"sentiment":"neutral","sentiment_score":-0.008207367569730993},{"text":"All good. You're comfortable with that.","start_word":2356,"end_word":2361,"sentiment":"positive","sentiment_score":0.5234078764915466},{"text":"Did you wanna look or have a conversation around what personal insurances are, how they could, like, protect you, or you're happy just with the way it is? Not really. I've got a will in place. So, you know, my my husband passed away, so my kids just get everything Oh, anyway.","start_word":2362,"end_word":2413,"sentiment":"neutral","sentiment_score":0.018671682104468346},{"text":"I'm so sorry to hear that.","start_word":2414,"end_word":2419,"sentiment":"negative","sentiment_score":-0.3873695135116577},{"text":"That's alright.","start_word":2420,"end_word":2421,"sentiment":"neutral","sentiment_score":0.007837310433387756},{"text":"Oh, I can definitely see here with your beneficiaries that it's set up a 100% to each of your children. You're pretty happy with that?","start_word":2422,"end_word":2446,"sentiment":"positive","sentiment_score":0.4409441947937012},{"text":"Yep. Yes.","start_word":2447,"end_word":2448,"sentiment":"neutral","sentiment_score":0.2217293232679367},{"text":"Beautiful.","start_word":2449,"end_word":2449,"sentiment":"positive","sentiment_score":0.6030399799346924},{"text":"And just kinda updating your details here as well. I can see I put you down as self employed. Is that still correct? Yep. No. No. No. No. No. So you're employee now? So working PAYG? Yes. That's correct. Yep. Yep.","start_word":2450,"end_word":2490,"sentiment":"neutral","sentiment_score":0.06039220839738846},{"text":"Beautiful. Lovely.","start_word":2491,"end_word":2492,"sentiment":"positive","sentiment_score":0.5794273614883423},{"text":"That was the other thing. Because I could see with the contributions, there are now some contributions coming in from employers as well. So just wanted to double check how things were Yeah. going for you. And I think Yeah. I'm still putting in an extra 50 anyway from when I had it set up. So does it benefit me to just keep doing that? I don't notice the 50 Yeah. going each time. So I guess the more going in, the better. Yeah. No. Absolutely. It does.","start_word":2493,"end_word":2580,"sentiment":"neutral","sentiment_score":0.05480165779590607},{"text":"So I can definitely see that money going in.","start_word":2581,"end_word":2589,"sentiment":"positive","sentiment_score":0.373732328414917},{"text":"I know one of my colleagues had tried to give you a call and had emailed out about claiming a notice of intent. So we have about 2,600 for the last financial year that was put into the account. I can see here you have made mention you wanted to claim that notice of intent there. This... Yes. So that hasn't quite been done because it looks like there was a couple of extra amounts coming in. Now that that's all in there, did you want me to claim that notice of intent for you so you can claim that 2,600 as a tax Yes. deduction I on did... your tax Yeah. return? I... That does ring a bell. I did try Yeah. and do it, but I think when I send emails, I have to send it from my iCloud. I can't send Okay. it from my BigPond, and I think Yeah. from memory that might have been part of the issue because I wasn't sending it from my BigPond, which was my registered email. But I just... That's... I can't send emails from my phone from that email. So I think that's why maybe I couldn't do it, but I haven't actually done last year's tax return on me.","start_word":2590,"end_word":2800,"sentiment":"neutral","sentiment_score":-0.08330888668366518},{"text":"You're behind anyway.","start_word":2801,"end_word":2803,"sentiment":"negative","sentiment_score":-0.4681011438369751},{"text":"No. That's absolutely fine. So I'm actually submitting that now for you while we're on the phone. I just need verbal approval to do so. Yep. I'm just So gonna can claim that for be the done last each line... Yeah. year? Like, Yeah. can that be noted that I just want it done Yeah. each year without having to sign anything? Yeah. Yeah.","start_word":2804,"end_word":2867,"sentiment":"neutral","sentiment_score":0.14536815881729126},{"text":"Absolutely.","start_word":2868,"end_word":2868,"sentiment":"positive","sentiment_score":0.3532615005970001},{"text":"If you have a standing request, and because the calls are recorded, I've got Yep. that standing request. If you're happy to do so, Yep. essentially, in the July 1, we can just go in, see what you've got there, and we can just make a note that you wanna claim that every year.","start_word":2869,"end_word":2922,"sentiment":"neutral","sentiment_score":0.2292526215314865},{"text":"Not a problem at all.","start_word":2923,"end_word":2927,"sentiment":"positive","sentiment_score":0.3979625105857849},{"text":"Yeah. Yep.","start_word":2928,"end_word":2929,"sentiment":"neutral","sentiment_score":0.22212223708629608},{"text":"Yeah. Great. Because I think it Excellent.","start_word":2930,"end_word":2936,"sentiment":"positive","sentiment_score":0.5584832429885864},{"text":"was my accountant that actually asked me to to do that because I changed accountants with all my legal bullshit that was going on. So I didn't even really know I had to do that.","start_word":2937,"end_word":2971,"sentiment":"neutral","sentiment_score":0.06660179048776627},{"text":"So that's great if you guys can just automatically No.","start_word":2972,"end_word":2981,"sentiment":"positive","sentiment_score":0.3652789294719696},{"text":"Yeah. do that.","start_word":2982,"end_word":2984,"sentiment":"neutral","sentiment_score":0.1155107244849205},{"text":"Absolutely.","start_word":2985,"end_word":2985,"sentiment":"positive","sentiment_score":0.404253751039505},{"text":"And you don't even need to fill out a form anymore. We've have 24. They let us go in there and complete it for you. So I'm just doing it now. So I've just got ending June 2026.","start_word":2986,"end_word":3023,"sentiment":"neutral","sentiment_score":0.2049681842327118},{"text":"We have 2,600 made for the last financial year, and you're happy for me to claim the personal deduction... Personal deduction on the full 2,600, and I'll just press the fee. And that has all been done for you. It's now in progress for the last financial year. So Yep. Great. in Thank you.","start_word":3024,"end_word":3077,"sentiment":"positive","sentiment_score":0.44031500816345215},{"text":"just a couple of days, I'll get the confirmation through, and I'll shoot it through to you via email. That way, you've got that there. How does that sound? Yep.","start_word":3078,"end_word":3107,"sentiment":"neutral","sentiment_score":0.28830447793006897},{"text":"Perfect. Thank you.","start_word":3108,"end_word":3110,"sentiment":"positive","sentiment_score":0.47913819551467896},{"text":"Yeah.","start_word":3111,"end_word":3111,"sentiment":"neutral","sentiment_score":0.2996903657913208},{"text":"Beautiful.","start_word":3112,"end_word":3112,"sentiment":"positive","sentiment_score":0.4463707506656647},{"text":"Not a problem at all. It's nice not having to fill out those forms.","start_word":3113,"end_word":3126,"sentiment":"neutral","sentiment_score":0.1949317902326584},{"text":"They were terrible forms to have to fill out.","start_word":3127,"end_word":3135,"sentiment":"negative","sentiment_score":-0.5771364569664001},{"text":"Yes.","start_word":3136,"end_word":3136,"sentiment":"neutral","sentiment_score":-0.2298908829689026},{"text":"Any forms are terrible.","start_word":3137,"end_word":3140,"sentiment":"negative","sentiment_score":-0.39272502064704895},{"text":"Yep. Absolutely. No. Excellent. So just double checking. So I've got down here that you've got your new employer there. Income wise, what do you expect to earn this financial year, do you think? Wouldn't have a clue. It's my No. first That's year okay. of working back with an employer for a long time. So the hours varied a lot at the start, but now I've pretty much got my sort of fixed hours. So I'm Yep. I'm... I don't know. I'm roughly earning maybe 1,800 a week. So Okay. whatever that equates to a year. I haven't even really looked at it or worked it out. Okay. Been That's a bit absolutely of a over the shop fine. lately. You're absolutely fine. I can do that math for you. Not a problem at all. Just for the $1,800 per week, is that a growth on net? That's it. Net. No worries. Beautiful. And we've got $50 per week going in non concessional, which we'll keep, and I'll make a standing order that you wanna claim that each year in July. Easy. Yes. Same city made. Beautiful. With your assets and liabilities, I have down here. So I've got your main primary residence. I had a note there that that was the sale last year. Have you sold the big... The house that was your main primary residence? No. So there was a... I had a court, and I had a lot of bullshit going on with my ex, but that's finally settled. So the primary resident, 103 Bonaview, that's now actually just purely my house, not his anymore. Yep. And I think Yep. you had the other one down as Williams Road. That is not mine. That's his. So Okay. No worries. So I see... Having a look at the fact that from last year, I have one of you as your investment property last year, and then the one for sale must have been the other one, William. Yeah. We did try and sell both just to try and settle, but neither sold. So... Yeah. Yep. Okay. And and so the the Williams Street address, you do have... No longer have anything to do with that property. Is that right? Or... That's correct. Yep. Yes. Okay. I'll just delete that off the system here for you.","start_word":3141,"end_word":3529,"sentiment":"neutral","sentiment_score":-0.01253691968294986},{"text":"Excellent.","start_word":3530,"end_word":3530,"sentiment":"positive","sentiment_score":0.3845534324645996},{"text":"And we see the Bonny View property. What kind of value would you put on that at the moment? Yep. I think the last time I had to get a valuation for court, it was valued at $9.20. Oh, beautiful.","start_word":3531,"end_word":3570,"sentiment":"neutral","sentiment_score":0.06193223595619202},{"text":"Excellent.","start_word":3571,"end_word":3571,"sentiment":"positive","sentiment_score":0.34468621015548706},{"text":"And mortgage on the property I had here owing about 750,000. Does that sound about right or a bit lower? No. So I've got a loan of 250. Oh, beautiful. Much lower than what we had here. Love that. Yeah. There was a lot of settlement bullshit. Look. With interest rate and surprising, that's not a bad thing. You put a bit of a lower loan to have to pay off. Well, yes. Yes. One way to look at it. Yeah. Yeah. I've got down your vehicle here as well. What kind of car do you drive? Hyundai Tucson. Beautiful. Excellent. Tucson. And I had done here a rough valuation of 45,000. Would you value the car at that? I wouldn't think it'd be worth that now, especially with the car market, but it'd be at least, I'd say, 35 to 40. Yep. Yep. Absolutely. And you own the vehicle outright with no debt? That's correct. Yep.","start_word":3572,"end_word":3728,"sentiment":"neutral","sentiment_score":0.00838511623442173},{"text":"Beautiful.","start_word":3729,"end_word":3729,"sentiment":"positive","sentiment_score":0.3928605914115906},{"text":"I also have down here there was an investment portfolio worth 5,000. Do you still happen to have that one at all, or is that still existing? I have got shares in some stuff, but I have no idea what they are where they are. It's something I No. need That's okay. to kinda work on. Have a look. Yeah. That's okay. Well, if you do Mhmm. get the statements, if you do need help with those, you're welcome to let us know. We're always here to help, and But... Yeah. we can I don't provide even know advice. how to go about even finding because my ex basically did all that and bought things for me, but I've got no idea.","start_word":3730,"end_word":3851,"sentiment":"neutral","sentiment_score":-0.05053082108497619},{"text":"He's got all the paperwork. So I've actually got no idea what I've got.","start_word":3852,"end_word":3865,"sentiment":"negative","sentiment_score":-0.40052223205566406},{"text":"And I don't even know how to go about trying to find what shares I've got and what they're worth or anything. So I don't even Yeah. know where That's to start with that. that's okay.","start_word":3866,"end_word":3901,"sentiment":"neutral","sentiment_score":-0.1819356083869934},{"text":"That's honestly fine.","start_word":3902,"end_word":3904,"sentiment":"positive","sentiment_score":0.33811187744140625},{"text":"Where I would probably start is your accountant. So on your myGov and... When your accountant does your tax return, if you have received any dividends and things like that that have been lodged through, like, a check registration, which is how Australian shares are registered. Yes. They often get automatically added to your myGov and your tax return. So on that, if you get the account to double check for you, if Yes. you have sort of received the dividends or have any of those records on your tax, they should be able to find out what the HIN or the HIN number is. If they can find out the name of the share that you have invested in, you can also then Google the share registry or where it's held or where it's noted. And from there, we can kind of find reports and information and things like that. But if you get stuck, you're welcome to let me know. I can help you to find Yeah. things like that. The But accountant, I would probably he was, start with your account. yeah, he was pretty Sorry. thorough this year because being a new one because I had the same one as my ex, so I had to change.","start_word":3905,"end_word":4115,"sentiment":"neutral","sentiment_score":0.0727371796965599},{"text":"But I I don't think there was any dividends as such, which means they probably lost money over the years.","start_word":4116,"end_word":4135,"sentiment":"negative","sentiment_score":-0.3558078408241272},{"text":"But he didn't mention any dividends, so Yeah. I would assume Okay.","start_word":4136,"end_word":4147,"sentiment":"neutral","sentiment_score":-0.1874091774225235},{"text":"haven't actually been worth much. I'd say if anything, they've probably bloody gone down.","start_word":4148,"end_word":4161,"sentiment":"negative","sentiment_score":-0.46605169773101807},{"text":"Yeah. Yeah. I'm just sort of thinking the other thing could be, just sort of thinking where else they could be, because you do have to receive statements every so often, emails, and things like that. Have you received any emails or text junk mail to see if anything come through from No. any investment I company? I feel like I, yeah, I feel like I used to get hard copies, and, again, they would probably go to his address Nothing? now, not because I haven't Yes. lived there a while. So I used to see... I remember seeing paperwork about it, but I'm pretty sure he's got all that. So I'd say that all that info goes to him and he'd just throw it out or... I'm assuming... I'm hoping he can't access it as such. But... Yeah. Well, if it's in your name, he can't sell anything Okay. because it's kinda gotta go to a bank account in the same name, and you normally Yep. have to, you know, make sure that that's all set up correctly. Yeah. The Okay. other thing is just as a suggestion, and you're welcome to tell me to set up, but the other thing you could probably do is you could always just set up a really simple redirection. So any extra mail that turns... Goes towards that place is redirected to you, and that might catch anything hard copy that goes through just in case anything goes to the post that way. Yes. That's probably the only other option that I could probably think Yeah. of. I didn't even think about doing that over the last four years.","start_word":4162,"end_word":4438,"sentiment":"neutral","sentiment_score":-0.05789908766746521},{"text":"You're absolutely fine. Honestly, it's not a problem at all.","start_word":4439,"end_word":4448,"sentiment":"positive","sentiment_score":0.38081464171409607},{"text":"Yeah. But, generally, something will come up at some point. And if and when that does, feel free to let me know if you have any questions. I'm more than Yeah. welcome No to help worries. help you. Yes. And if you you get stuck, I can always look for some other options on how to search or register search for registrations in your name Yeah. and see Okay. what pops up there as well. Okay. Yeah. No worries. Alright. I'll have a look into Yeah. it and let you know. Yeah. Alright. Absolutely. I'll just leave it here at the moment as it was. I'll just say I'm sure for the time being for you. Yep. Yeah.","start_word":4449,"end_word":4566,"sentiment":"neutral","sentiment_score":0.09891432226967004},{"text":"Beautiful. Excellent.","start_word":4567,"end_word":4568,"sentiment":"positive","sentiment_score":0.5950809717178345},{"text":"Okay. So just any other assets or liabilities that you think we should note down here for you at all? No. I think that's about No. That's excellent.","start_word":4569,"end_word":4596,"sentiment":"neutral","sentiment_score":0.08535490930080414},{"text":"Fantastic.","start_word":4597,"end_word":4597,"sentiment":"positive","sentiment_score":0.4340974986553192},{"text":"Now are you still doing any of your own work to the the cleaning business you had, or is that completely not happening it. anymore? No. Not happening. No. I Not haven't happening. wound up Yep. the business as such because it's still gonna do a tax return, but it's not actually Yeah. running anymore. No. That's okay. Not a problem at all. Beautiful. Other than that, it looks like we've got more things here. I can see here that you did have a will in place previously, that it was... It's says he outdated. Are you sort of in the process or have you updated the will since everything's changed for you? I'm in the process of doing that. Yep. Yep. Beautiful. And they're doing, like, a power of attorney documents as well for you? I don't know. I think so. Yeah. No. That's okay. Maybe just when you go see them, just double check if they are including power of attorney documents just so that, you know, if anything was to happen, if you are unable to make decisions for yourself, that you have nominated who you trust to make, whether it be financial or medical decisions on your behalf. That's Yes. all. Yeah. Yeah. No. I have. I've noted my Yep. oldest daughter, Ella. She's... I Beautiful. think I've had... Yeah. Yeah. And I've got Ella down here as your next best PIN on file. Is that still accurate and correct? Yeah. That's fine.","start_word":4598,"end_word":4844,"sentiment":"neutral","sentiment_score":-0.005511988663239035},{"text":"Yes. Beautiful. Wonderful. Thank you so much for that.","start_word":4845,"end_word":4853,"sentiment":"positive","sentiment_score":0.7295455932617188},{"text":"Alright. Now when I'm still going back and looking at the research for you on updating the advice and your portfolio for you, I do kind of project in the back end what we're tracking for with regard to retirement. So just sort of thinking forward, do you know what age you would really like to be able to stop working and retire and start accessing your super? Now would be great, but It'd I don't be it'd be see great. that happening in the near future. So, yeah, probably at least another ten, fifteen years, I'd say, at least. Yep. Okay. Let me look. So ten, fifteen years. And your birthday is through the 11/19/1974. Yep. Year four, so you'll be 52 in November this year. So if we're looking at about fifteen odd years, it puts us a bit over the Yes. 65 mark there, which is absolutely fine. Yep. If you like, what I can do is when I sort of look... Because you are in your fifties, when I am updating advice, I do tend to project out for the next five to ten years. So I can have a look at where things are tracking over the next five to ten years, which brings us up to about age 62 currently just to give you a bit of an outlook on what we're tracking for currently with my recommendation update. Does that sound okay Yep. with you? Yep. That's Yep. fine.","start_word":4854,"end_word":5099,"sentiment":"neutral","sentiment_score":0.002431811997666955},{"text":"Beautiful. Excellent.","start_word":5100,"end_word":5101,"sentiment":"positive","sentiment_score":0.3921860158443451},{"text":"It's sort of when we're in our fifties looking to looking at when we can possibly start to retire and really kind of wanting to... You know, see the light at the end of the tunnel, so let's say. Yep. Beautiful. And do you sort of know in today's dollars what kind of income you would hope to draw out of super for a comfortable living in those retirement years? No idea. No. That's okay. Not not an easy thing to consider. Did you want me just to work on maybe an average income Just realistically an average. at the... Yeah. Yeah. Yes. That's fine. That's okay. An average income at the moment under the ASSA regulations is around about sort of 70 to 75,000 for a comfortable retirement for a person. So are you happy with me just working on that to see where that tracks for for you? And then as you get closer, we can always update that. Yep. That's fine.","start_word":5102,"end_word":5265,"sentiment":"neutral","sentiment_score":0.057462766014107665},{"text":"Yes. Beautiful. Excellent. I'll just pop that in there for you. Lovely.","start_word":5266,"end_word":5277,"sentiment":"positive","sentiment_score":0.5667070746421814},{"text":"And you said that you're happy not having any insurances or anything like that. Did you want me to kinda go through what they are, how they can work, or you're just happy focusing on super and building that towards your retirement? Yeah. No. Yeah. I'm just happy with that at the moment. Yep.","start_word":5278,"end_word":5331,"sentiment":"neutral","sentiment_score":0.1830114722251892},{"text":"Beautiful. Fantastic.","start_word":5332,"end_word":5333,"sentiment":"positive","sentiment_score":0.5482840538024902},{"text":"Do you have any other goals that you're looking to achieve over the next couple of years at all? Not really. No. That's okay. Just building super and trying to get to retirement, enjoy yourself. Yep. Yeah. At this time. Yep.","start_word":5334,"end_word":5374,"sentiment":"neutral","sentiment_score":0.1255369484424591},{"text":"Excellent. Beautiful.","start_word":5375,"end_word":5376,"sentiment":"positive","sentiment_score":0.39904284477233887},{"text":"Now with your portfolio, we do have you in more of a high growth portfolio. So generally, that sees about 90% of your super investing growth assets. So thinking about things like Australian shares, international shares, listed property, and also commodities. Then we also generally see about 10 in lower risk sensitive investments, things like cash, bonds, and fixed interest. A high growth portfolio generally suits someone who has at least eight years before they're accessing a super. It suits an investor who is really wanting a lot more growth, can tolerate the ups and downs for market fees. And as your super builds and grows, smaller changes in the market actually have a bigger effect. If you think about someone who has, say, a $50,000 portfolio, and they see maybe a 5% change or 5% growth or a 5% dip, it's essentially a much smaller difference to someone who has that same 5% on $500,000 invested. Do you feel like at the moment you'd be comfortable staying in that high growth environment? Do you want me to maybe reevaluate that that reducing your risk level? How do you feel about that?","start_word":5377,"end_word":5568,"sentiment":"neutral","sentiment_score":0.06664334982633591},{"text":"No.","start_word":5569,"end_word":5569,"sentiment":"negative","sentiment_score":-0.3394155502319336},{"text":"I'm happy with where it is at the moment with the high. Yes. That's okay. That's absolutely fine. With the high growth kind of environment, you'd... We're generally... When we look at a risk profile, we're kind of wanting to attain around about eight to 10% on a yearly basis and compounding that forward for a comfortable, you know, consistent return. We do know that with the ups and downs the market can provide, the likelihood of a negative return is around about one in every five years. So you still have that time horizon ahead of you as long as you're comfortable with the volatility that your portfolio can see. And I'm here to sort of talk you through it so you can, you know, catch up more regularly to look at how things are progressing and make changes as need be. Yep. But you're still fairly comfortable with that. Did you wanna go through the profile questionnaire and maybe look at altering or checking on that? Are you still fairly comfortable with it? Yeah. No. I'll go on your address. That's fine. Alrighty. Yep. Not a problem at all. I think the one question I do tend to sort of just ask is if you did see the market dip over the next sort of, you know, six to twelve months and the portfolio fell by 20%, how do you think that might realistically make you feel? Do you think you'd be going, hey. This could be a buying opportunity. Let's put some money in. Are you probably maybe calling us and saying, what were you suggesting you're a little bit concerned, or are you really feeling very anxious about it and wanting to move your money into cash? How do you think you might feel? I'd probably give you guys a call first and see what you think the See best what option we say. is. But, yeah, I wouldn't be stressing Yep. too much. It's... Is what No. it That's is. okay. That's yeah. No. Look.","start_word":5570,"end_word":5909,"sentiment":"neutral","sentiment_score":0.029149671709712815},{"text":"That's perfectly fine. It's a really good answer. And what I kinda wanna make sure we do moving forward is have those catch ups with you.","start_word":5910,"end_word":5935,"sentiment":"positive","sentiment_score":0.42891576886177063},{"text":"So maybe once every six months in between the annual review. We just check-in to see how things are going for you. Are there any changes, give you a bit of an update on your paper, and that way you get a little bit more contact, and we can make changes more regularly if we need to. Does that sound preferable to you? Yeah. That's fine. Yep.","start_word":5936,"end_word":6002,"sentiment":"neutral","sentiment_score":0.1317628861140849},{"text":"Beautiful. Fantastic.","start_word":6003,"end_word":6004,"sentiment":"positive","sentiment_score":0.7404720187187195},{"text":"Now the last couple of documents we do have in the annual review pack there are the Vanguard index chart. It just shows you how markets move up and down and why we invest the way we do. It's about showing that to get good returns, we do take on a little bit of risk. We have to take a certain amount of risk to get the returns thereafter. However, as you get closer to accessing super, you're gonna probably feel a little bit more risk averse. So there'll be a point when we start maybe reducing the risk level a little bit for you. But this sort of shows you how markets react. They are always up and down, but over the longer term, we tend to see really good market reactions out of our growth assets. That's why we are generally comfortable taking the amount of risk. Yep. That is the next document along. I know it's a lot to look at, but do you have any questions about any of that on that document? Did you want me to break it down a little bit more for you? Or... No. That's fine. No. That's okay. The next one in there is the OCE Financial Services Guide. It outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy photo of me in there for you and my licensing information as a licensed adviser for you there as well. Yep. The document after that is the ongoing service agreement for the next twelve months there. And, of course, if you're happy to stay on board, we do get you to sign and return this one back for us. Essentially, with our ongoing service fee, it is a percentage based fee effective. It has changed a little bit in the last couple of years. Our ongoing service fee is now calculated based on an amount of funds that we manage for you. We use a tiered structure now. So different fees and rates apply to the different level of funds under management. Essentially, where the... Once applicable fee has been calculated, set at 1.65%. We now have it as a peer structure. So when your balance hits 200,000, the amount over 200,000 is calculated at the lower tier of 1.375. And then when your super balance hits that $500,000 mark, the amount over that is calculated 1.50. So, essentially, as your due balance increases, the amount we calculate your ongoing service fee at, it starts to decrease through the tiers a little bit like the tax system. It kinda decreases Yep. through the tiers a little bit.","start_word":6005,"end_word":6450,"sentiment":"neutral","sentiment_score":0.06658322697780993},{"text":"So it's providing more of an advantage for you.","start_word":6451,"end_word":6459,"sentiment":"positive","sentiment_score":0.4088229537010193},{"text":"It's also about making sure you understand a little bit more visibility on how much you'll pay. So we used to tell you it was 1.65%, and that the estimated fee based on this amount was how much to pay. We now calculate that fee as a set dollar figure fee, so you'll never pay more than what is on that document for you each year. If you get, you know, a 20% return over and above that, it doesn't then factor into the ongoing severities for that year. So it's just about making sure you've got more visibility, but also making sure it's a little bit fairer.","start_word":6460,"end_word":6567,"sentiment":"neutral","sentiment_score":0.1260666847229004},{"text":"I mean, we wanna, you know, make sure as your balance grows that while we're able to, you know, make the money from looking after everything that you're making that you're getting benefits from that and reducing our fees as your balance gets bigger does have... Helps you to have a bigger impact and keep more money invested to you longer term.","start_word":6568,"end_word":6629,"sentiment":"positive","sentiment_score":0.34840574860572815},{"text":"Does that make sense? Do you have any questions? Yep. That's fine.","start_word":6630,"end_word":6641,"sentiment":"neutral","sentiment_score":0.15743893384933472},{"text":"Beautiful. Beautiful.","start_word":6642,"end_word":6643,"sentiment":"positive","sentiment_score":0.5908486247062683},{"text":"So this document shows this year, it'll be $4,060.35. Nothing over that. You're welcome to have a read through the documents. If you find you have any questions, let me know. The last document attached is the tax file opt in form. So we do hold your tax phone number, but we just wanna update all of our records to make sure you're aware that we hold your tax phone number and how and why we do so. This is an opt in form, and we just get you to sign and return that back with the ongoing service agreement there. Do you have any questions in relation to any of those documents or anything else that I've gone through at all? No. No. Beautiful. Basically, just to kind of recap, I'm gonna go back and have a look at your supervisor portfolio. You'll have to stay in that high growth environment a little bit longer. I'll look at reducing fees where possible within the portfolio for you, and I'll also look at the estimated product we have to see if that can provide benefits so that we can kind of make changes as needed without having to, you know, continuously provide advice to you. Does that sound accurate? Have I missed anything? Is there anything else you think you would like me to look at for you? No. I think that sounds pretty good.","start_word":6644,"end_word":6878,"sentiment":"neutral","sentiment_score":0.10025729885760774},{"text":"Yeah. Beautiful. Lovely. Well, you're welcome to take some time to review the documents there, Nicole. Once you have, we'll just ask you to sign each of those and return them back just so we can get the advice updated for you and provide everything and keep working hard for you. All good.","start_word":6879,"end_word":6931,"sentiment":"positive","sentiment_score":0.4921688437461853},{"text":"Yep.","start_word":6932,"end_word":6932,"sentiment":"neutral","sentiment_score":0.3007916808128357},{"text":"Beautiful.","start_word":6933,"end_word":6933,"sentiment":"positive","sentiment_score":0.44700562953948975},{"text":"Now is it okay before I let you go, I would just like to book you back in for a couple of weeks to go through the advice with you. It generally takes me about four to five weeks to put everything together and do the research. Is there a day or time that normally suits you better? No. Not really either. No. It says they are those, like, before... After two and before four is normally pretty good somewhere in there. Yeah. Absolutely. So if I pop it in maybe for, say, three... I do 03:00 on Thursday, the twenty ninth. Would that be okay? Yeah. That's fine. Yep.","start_word":6934,"end_word":7043,"sentiment":"neutral","sentiment_score":0.07247678190469742},{"text":"Beautiful.","start_word":7044,"end_word":7044,"sentiment":"positive","sentiment_score":0.460829496383667},{"text":"I'll pop that one in there for 03:00 there for you. I'll send a text message reminder because it is a couple of weeks away, but the text message will just let you know that we're calling. If anything comes up and that time doesn't work for you, you're welcome to let me know. But I'll have the advice ready to go then for you, and I'll do the research about updating your portfolio. Okay? Yep. Yep. No. That's fine.","start_word":7045,"end_word":7124,"sentiment":"neutral","sentiment_score":0.1821794486604631},{"text":"Oh, lovely. Thank you so much for your time, Nicole. It's been a pleasure. I look forward to putting this together for you.","start_word":7125,"end_word":7147,"sentiment":"positive","sentiment_score":0.8663778901100159},{"text":"If you find anything comes up, you need any assistance, or have any questions, please let me know. If not, I'll talk to you on the twenty ninth. Yep. No worries at all.","start_word":7148,"end_word":7180,"sentiment":"neutral","sentiment_score":0.22825659811496735},{"text":"Oh, thank you so much for taking my call. I hope you have a lovely afternoon and a great weekend ahead. No worries. You too. Thanks. Thanks, Nicole. Talk to you soon. See you later.","start_word":7181,"end_word":7215,"sentiment":"positive","sentiment_score":0.6586448550224304},{"text":"Bye.","start_word":7216,"end_word":7216,"sentiment":"neutral","sentiment_score":0.24121718108654025}],"average":{"sentiment":"neutral","sentiment_score":0.07121921338739678}}}}