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It is pretty quick today just to kind of discuss the the research I did on your super investment. So is now still a good time? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes as well, we do have a password on file for you. Do you know where that might be? Yeah. Beautiful. And how's your morning been? Been busy? That's nice, though. Now, Wayne, do you have access to your emails at the moment? Nope. That's okay. Now because it is pretty straightforward today, and we have kind of already gone through all of this at the end of last year when I did the research, and it was just kind of reassessing everything because it did expire. And I know you had a bit of issues signing it. So I'm happy to just kind of go through any quick changes. And then when you have a moment later, have a look through them. If you have any questions, you can always let me know. Is that okay? Yep. Yep. Perfect. Now a lot of it is just for compliance purposes. Again, it is just an updated statement of advice of the conversation we literally had last year as well. I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time. So, basically, from the research, it is still the same recommendation as last year. That hasn't changed, which which is great. So I did reassess your Netwealth account again just to make sure it's still a a good option for you because there are always new features and stuff that comes out and new products. So it is good to just check-in every now and then to make sure. But at the moment, it's still very much the best option for you when we are factoring in, you know, potential capital gains tax and fees and investment choices. So not making any changes to your net wealth. And what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little bit. So do you remember that at the moment, we have you in a high growth portfolio? And it was very suitable. But, obviously, as you are getting closer to retirement, in that high growth portfolio, we do ideally want to see that eight plus years to retirement because you are going to see a lot more fluctuations in the market short term. And the growth portfolio is just that one step down. We are looking ideally retirement age about six years or so, which does align a little bit more with with your time frame what you told me last time. So what that will mean is that you are actually reducing your risk exposure, which is great. So when you have a moment later, you will see on page 16, it will show you a asset allocation. So it will show you your portfolio. Now your existing portfolio at the moment sees about 97.87% in your growth investments. So that's like your Australian equity, international equity, and property. And these are the ones that long term will grow more, but they will also fluctuate more as well. And I would hate for when you want to access your super if it's a bit of a dip in the market or you're seeing a lot of fluctuations, we obviously wanna gradually start reducing that risk exposure. Do you kind of remember that conversation as well? Yep. Beautiful. So the proposed portfolio, it is the same one as last time. It will see your growth investment down to about 85.14%. So because you still have a little bit of time, obviously, until you wanna access your super, the focus is still to growing that as much as possible so that you do have more in your super when you wanna retire. But we wanna reduce that risk exposure a little bit. And for your defensive, instead of it now being about 2.13, obviously quite low in defensive, the proposed fee is about 14.86 in defensive. So what that means is that you will have a little bit less fluctuations and movement in the market as a result, which is great, but long term, the returns can be not as great either. So what I have put in the SOA there for you, it is just showing you what that looks like in terms of all the the fees and the fee comparison and the returns as well. So that is page 13 when you have a look at it. Now I'll try to make it easy because sometimes if I just rattle a bunch of numbers, it's hard if you can't see it. But, essentially, by reducing the risk for you, which is the main purpose, you are saving a little bit on fees, which is great. So it is about $82 per year. So not massive, but it still makes a little bit of a difference. Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth. It is only about 0.52%, though, when we are looking at a five year time frame. So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do. On the plus side, though, when we are looking a little bit more short term, the recommended portfolio so if we're looking at the last twelve months, which has seen, obviously, a little bit of fluctuations like we touched on last time, in the the twelve month period, so when we are looking a little bit shorter, the recommended portfolio, even though we are reducing that risk down for you, it has outperformed your current one even though at the moment you are taking on more risk. So that is correct. Does that make sense, Wayne? Yep. Beautiful. Now I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change. So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you. So it does change on a daily. But when we did the calculation, it will be estimated at around $776, just so that you are aware. Now that is paid from within Supers. It's not something you have to pay, but just so that you are aware that when we do, obviously, swap and change investments, there will be a little bit of tax as a result as well. Does that all make sense as well? Yep. Yep. Perfect. Now when it comes to actually the investments, like I said, it is exactly the same as last time. Do you want me to go over the investment again with you, or do you feel pretty confident from there? Perfect. It is all in there. They're on page 15 if you wanna have a look at it again. I have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you. So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments. So same as last time. And if it is that you would like to go and have a look at the investments in more detail yourself, in the appendix, which is the second attachment, I have included investment links for these there for you. So if it is that you wanna go and have a read over it, you are more than welcome to. Yep. Perfect. The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment. And I know we were kind of aiming for a weekly income of around $500. So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it. And at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well. So it does show you a bit of a projection that you can actually take out a little bit more if needed, and then that will be supplemented the way things are looking currently with the age pension. But we can obviously reassess that as you get a bit closer to that time frame. And then, yeah, I have also just included again just some information in regards to your will and power of attorney. Like I said last time, I do always recommend everyone to have a bit of a think about it. So there's just some information in regards to that for you. And the last thing is just that ongoing advice fee. So like I said during the annual review, no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65. Now, Wayne, do you have any questions for me? Well, that was pretty straightforward because I know we've kind of gone gone through it already. Yep. Perfect. So, basically, from here, obviously, when you have a bit more time and access to your emails, have a look through the documents. If you have any questions at all, just give me a call. If not, if you read through it and it all makes sense and you are happy with it, it would then be to sign the documents digitally. Now I know you had a bit of issues last time, so let me know how you go. I will keep a look at on the email as well. We have changed the software, so hopefully, this time, it's a little bit easier. It did. Exactly. So it did. No. It did. I saw that come through, so that worked. So that's great. So I'll keep a little look at it on my inbox. Just keep an eye on it, and it'll be exactly the same. Just that one signature. If you are happy with it, it'll come through to me, and that tells me that you are happy with making those couple of investment changes, and we can answer that. But if you have any questions, like I said, when you read through it, just give me a call as well. Yep. Perfect. Well, thank you so much for your time this morning, Wayne. And if there's anything else that you need at any point in time, don't hesitate to give me a call. No problem. We'll speak soon. 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morning, Wayne. This is Veronica from Oakview Financial. How are you? That's good. I had you booked in for a catch up.\n\nIt is pretty quick today just to kind of discuss the the research I did on your super investment. So is now still a good time? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just for security purposes as well, we do have a password on file for you. Do you know where that might be? Yeah. Beautiful.\n\nAnd how's your morning been? Been busy? That's nice, though. Now, Wayne, do you have access to your emails at the moment? Nope.\n\nThat's okay. Now because it is pretty straightforward today, and we have kind of already gone through all of this at the end of last year when I did the research, and it was just kind of reassessing everything because it did expire. And I know you had a bit of issues signing it. So I'm happy to just kind of go through any quick changes. And then when you have a moment later, have a look through them.\n\nIf you have any questions, you can always let me know. Is that okay? Yep. Yep. Perfect.\n\nNow a lot of it is just for compliance purposes. Again, it is just an updated statement of advice of the conversation we literally had last year as well. I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time. So, basically, from the research, it is still the same recommendation as last year. That hasn't changed, which which is great.\n\nSo I did reassess your Netwealth account again just to make sure it's still a a good option for you because there are always new features and stuff that comes out and new products. So it is good to just check-in every now and then to make sure. But at the moment, it's still very much the best option for you when we are factoring in, you know, potential capital gains tax and fees and investment choices. So not making any changes to your net wealth. And what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little bit.\n\nSo do you remember that at the moment, we have you in a high growth portfolio? And it was very suitable. But, obviously, as you are getting closer to retirement, in that high growth portfolio, we do ideally want to see that eight plus years to retirement because you are going to see a lot more fluctuations in the market short term. And the growth portfolio is just that one step down. We are looking ideally retirement age about six years or so, which does align a little bit more with with your time frame what you told me last time.\n\nSo what that will mean is that you are actually reducing your risk exposure, which is great. So when you have a moment later, you will see on page 16, it will show you a asset allocation. So it will show you your portfolio. Now your existing portfolio at the moment sees about 97.87% in your growth investments. So that's like your Australian equity, international equity, and property.\n\nAnd these are the ones that long term will grow more, but they will also fluctuate more as well. And I would hate for when you want to access your super if it's a bit of a dip in the market or you're seeing a lot of fluctuations, we obviously wanna gradually start reducing that risk exposure. Do you kind of remember that conversation as well? Yep. Beautiful.\n\nSo the proposed portfolio, it is the same one as last time. It will see your growth investment down to about 85.14%. So because you still have a little bit of time, obviously, until you wanna access your super, the focus is still to growing that as much as possible so that you do have more in your super when you wanna retire. But we wanna reduce that risk exposure a little bit. And for your defensive, instead of it now being about 2.13, obviously quite low in defensive, the proposed fee is about 14.86 in defensive.\n\nSo what that means is that you will have a little bit less fluctuations and movement in the market as a result, which is great, but long term, the returns can be not as great either. So what I have put in the SOA there for you, it is just showing you what that looks like in terms of all the the fees and the fee comparison and the returns as well. So that is page 13 when you have a look at it. Now I'll try to make it easy because sometimes if I just rattle a bunch of numbers, it's hard if you can't see it. But, essentially, by reducing the risk for you, which is the main purpose, you are saving a little bit on fees, which is great.\n\nSo it is about $82 per year. So not massive, but it still makes a little bit of a difference. Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth. It is only about 0.52%, though, when we are looking at a five year time frame. So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do.\n\nOn the plus side, though, when we are looking a little bit more short term, the recommended portfolio so if we're looking at the last twelve months, which has seen, obviously, a little bit of fluctuations like we touched on last time, in the the twelve month period, so when we are looking a little bit shorter, the recommended portfolio, even though we are reducing that risk down for you, it has outperformed your current one even though at the moment you are taking on more risk. So that is correct. Does that make sense, Wayne? Yep. Beautiful.\n\nNow I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change. So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you. So it does change on a daily. But when we did the calculation, it will be estimated at around $776, just so that you are aware. Now that is paid from within Supers.\n\nIt's not something you have to pay, but just so that you are aware that when we do, obviously, swap and change investments, there will be a little bit of tax as a result as well. Does that all make sense as well? Yep. Yep. Perfect.\n\nNow when it comes to actually the investments, like I said, it is exactly the same as last time. Do you want me to go over the investment again with you, or do you feel pretty confident from there? Perfect. It is all in there. They're on page 15 if you wanna have a look at it again.\n\nI have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you. So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments. So same as last time. And if it is that you would like to go and have a look at the investments in more detail yourself, in the appendix, which is the second attachment, I have included investment links for these there for you. So if it is that you wanna go and have a read over it, you are more than welcome to.\n\nYep. Perfect. The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment. And I know we were kind of aiming for a weekly income of around $500. So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it.\n\nAnd at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well. So it does show you a bit of a projection that you can actually take out a little bit more if needed, and then that will be supplemented the way things are looking currently with the age pension. But we can obviously reassess that as you get a bit closer to that time frame. And then, yeah, I have also just included again just some information in regards to your will and power of attorney. Like I said last time, I do always recommend everyone to have a bit of a think about it.\n\nSo there's just some information in regards to that for you. And the last thing is just that ongoing advice fee. So like I said during the annual review, no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65. Now, Wayne, do you have any questions for me?\n\nWell, that was pretty straightforward because I know we've kind of gone gone through it already. Yep. Perfect. So, basically, from here, obviously, when you have a bit more time and access to your emails, have a look through the documents. If you have any questions at all, just give me a call.\n\nIf not, if you read through it and it all makes sense and you are happy with it, it would then be to sign the documents digitally. Now I know you had a bit of issues last time, so let me know how you go. I will keep a look at on the email as well. We have changed the software, so hopefully, this time, it's a little bit easier. It did.\n\nExactly. So it did. No. It did. I saw that come through, so that worked.\n\nSo that's great. So I'll keep a little look at it on my inbox. Just keep an eye on it, and it'll be exactly the same. Just that one signature. If you are happy with it, it'll come through to me, and that tells me that you are happy with making those couple of investment changes, and we can answer that.\n\nBut if you have any questions, like I said, when you read through it, just give me a call as well. Yep. Perfect. Well, thank you so much for your time this morning, Wayne. And if there's anything else that you need at any point in time, don't hesitate to give me a call.\n\nNo problem. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Wayne.","start":2.24,"end":3.04,"sentiment":"positive","sentiment_score":0.3435007333755493},{"text":"This is Veronica from Oakview Financial.","start":3.04,"end":5.06,"sentiment":"neutral","sentiment_score":0.25310323635737103},{"text":"How are you?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.2055500994126002},{"text":"That's good.","start":7.2799997,"end":8.26,"sentiment":"positive","sentiment_score":0.702952653169632},{"text":"I had you booked in for a catch up.","start":9.04,"end":11.12,"sentiment":"positive","sentiment_score":0.394906610250473}],"sentiment":"positive","sentiment_score":0.35329724848270416,"num_words":23,"start":2.24,"end":11.12},{"sentences":[{"text":"It is pretty quick today just to kind of discuss the the research I did on your super investment.","start":11.12,"end":16.135,"sentiment":"positive","sentiment_score":0.3832768248884301},{"text":"So is now still a good time?","start":16.135,"end":17.675,"sentiment":"neutral","sentiment_score":0.23385763806956156},{"text":"Yeah.","start":19.175,"end":19.654999,"sentiment":"neutral","sentiment_score":0.22906428575515747},{"text":"Perfect.","start":19.654999,"end":20.154999,"sentiment":"positive","sentiment_score":0.4556763172149658},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.375,"end":27.914999,"sentiment":"neutral","sentiment_score":0.07335493867767268}],"sentiment":"neutral","sentiment_score":0.2058122274384164,"num_words":57,"start":11.12,"end":27.914999},{"sentences":[{"text":"Perfect.","start":29.65,"end":30.15,"sentiment":"neutral","sentiment_score":0.3258278965950012},{"text":"And just for security purposes as well, we do have a password on file for you.","start":30.529999,"end":34.93,"sentiment":"neutral","sentiment_score":0.09863800927996635},{"text":"Do you know where that might be?","start":34.93,"end":36.469997,"sentiment":"neutral","sentiment_score":0.03288348737571921},{"text":"Yeah.","start":37.73,"end":38.21,"sentiment":"neutral","sentiment_score":0.04265299811959267},{"text":"Beautiful.","start":38.21,"end":38.71,"sentiment":"neutral","sentiment_score":0.3222024440765381}],"sentiment":"neutral","sentiment_score":0.0961183038038703,"num_words":26,"start":29.65,"end":38.71},{"sentences":[{"text":"And how's your morning been?","start":38.85,"end":40.129997,"sentiment":"neutral","sentiment_score":0.09681159406900405},{"text":"Been busy?","start":40.129997,"end":40.87,"sentiment":"neutral","sentiment_score":-0.021743272431194782},{"text":"That's nice, though.","start":44.045,"end":45.184998,"sentiment":"neutral","sentiment_score":0.09687222043673198},{"text":"Now, Wayne, do you have access to your emails at the moment?","start":46.445,"end":49.105,"sentiment":"neutral","sentiment_score":0.008767507349451384},{"text":"Nope.","start":51.725,"end":52.125,"sentiment":"neutral","sentiment_score":-0.08748596906661987}],"sentiment":"neutral","sentiment_score":0.03256140025737493,"num_words":23,"start":38.85,"end":52.125},{"sentences":[{"text":"That's okay.","start":52.125,"end":53.024998,"sentiment":"neutral","sentiment_score":0.018559674499556422},{"text":"Now because it is pretty straightforward today, and we have kind of already gone through all of this at the end of last year when I did the research, and it was just kind of reassessing everything because it did expire.","start":53.960003,"end":65.340004,"sentiment":"neutral","sentiment_score":0.07711569851309788},{"text":"And I know you had a bit of issues signing it.","start":65.4,"end":67.98,"sentiment":"neutral","sentiment_score":0.023497252640399067},{"text":"So I'm happy to just kind of go through any quick changes.","start":68.625,"end":72.705,"sentiment":"positive","sentiment_score":0.4091181332866351},{"text":"And then when you have a moment later, have a look through them.","start":72.705,"end":76.945,"sentiment":"neutral","sentiment_score":0.2107087901005378}],"sentiment":"neutral","sentiment_score":0.14058183085857123,"num_words":79,"start":52.125,"end":76.945},{"sentences":[{"text":"If you have any questions, you can always let me know.","start":76.945,"end":79.185005,"sentiment":"neutral","sentiment_score":0.15378107062794946},{"text":"Is that okay?","start":79.185005,"end":80.005005,"sentiment":"neutral","sentiment_score":0.1248957763115565},{"text":"Yep.","start":80.880005,"end":81.380005,"sentiment":"neutral","sentiment_score":0.08702768385410309},{"text":"Yep.","start":82.24,"end":82.64,"sentiment":"neutral","sentiment_score":0.14955198764801023},{"text":"Perfect.","start":82.64,"end":83.14,"sentiment":"positive","sentiment_score":0.3346436023712158}],"sentiment":"neutral","sentiment_score":0.15514719880679073,"num_words":17,"start":76.945,"end":83.14},{"sentences":[{"text":"Now a lot of it is just for compliance purposes.","start":84.48,"end":87.520004,"sentiment":"neutral","sentiment_score":0.13115695491433144},{"text":"Again, it is just an updated statement of advice of the conversation we literally had last year as well.","start":87.520004,"end":93.585,"sentiment":"neutral","sentiment_score":0.12398263968919453},{"text":"I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time.","start":94.145,"end":107.284996,"sentiment":"neutral","sentiment_score":0.1374199839406892},{"text":"So, basically, from the research, it is still the same recommendation as last year.","start":108.27,"end":115.409996,"sentiment":"neutral","sentiment_score":0.051156864634581974},{"text":"That hasn't changed, which which is great.","start":116.35,"end":118.43,"sentiment":"positive","sentiment_score":0.4301451380763735}],"sentiment":"neutral","sentiment_score":0.1433683086863973,"num_words":88,"start":84.48,"end":118.43},{"sentences":[{"text":"So I did reassess your Netwealth account again just to make sure it's still a a good option for you because there are always new features and stuff that comes out and new products.","start":118.43,"end":128.655,"sentiment":"positive","sentiment_score":0.377554009504178},{"text":"So it is good to just check-in every now and then to make sure.","start":128.655,"end":132.915,"sentiment":"neutral","sentiment_score":0.2729269659944943},{"text":"But at the moment, it's still very much the best option for you when we are factoring in, you know, potential capital gains tax and fees and investment choices.","start":133.52,"end":144.02,"sentiment":"neutral","sentiment_score":0.21614201315518083},{"text":"So not making any changes to your net wealth.","start":144.56,"end":147.12,"sentiment":"neutral","sentiment_score":-0.12898582054509056},{"text":"And what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little bit.","start":147.12,"end":159.525,"sentiment":"neutral","sentiment_score":0.03709714138700116}],"sentiment":"neutral","sentiment_score":0.1958553096295422,"num_words":117,"start":118.43,"end":159.525},{"sentences":[{"text":"So do you remember that at the moment, we have you in a high growth portfolio?","start":159.525,"end":164.105,"sentiment":"neutral","sentiment_score":0.040876730578020215},{"text":"And it was very suitable.","start":165.51,"end":166.87,"sentiment":"neutral","sentiment_score":0.31923419833183286},{"text":"But, obviously, as you are getting closer to retirement, in that high growth portfolio, we do ideally want to see that eight plus years to retirement because you are going to see a lot more fluctuations in the market short term.","start":166.87,"end":181.465,"sentiment":"neutral","sentiment_score":0.031398132943162106},{"text":"And the growth portfolio is just that one step down.","start":182.56499,"end":186.50499,"sentiment":"neutral","sentiment_score":0.009537790715694428},{"text":"We are looking ideally retirement age about six years or so, which does align a little bit more with with your time frame what you told me last time.","start":186.72499,"end":196.32999,"sentiment":"neutral","sentiment_score":0.13166159083103313}],"sentiment":"neutral","sentiment_score":0.07377313042409939,"num_words":101,"start":159.525,"end":196.32999},{"sentences":[{"text":"So what that will mean is that you are actually reducing your risk exposure, which is great.","start":196.87,"end":203.26999,"sentiment":"neutral","sentiment_score":0.3241480878170799},{"text":"So when you have a moment later, you will see on page 16, it will show you a asset allocation.","start":203.26999,"end":212.625,"sentiment":"neutral","sentiment_score":0.14661140665411948},{"text":"So it will show you your portfolio.","start":213.645,"end":216.225,"sentiment":"neutral","sentiment_score":0.1368969827890396},{"text":"Now your existing portfolio at the moment sees about 97.87% in your growth investments.","start":216.765,"end":225.45,"sentiment":"neutral","sentiment_score":0.1452945630465235},{"text":"So that's like your Australian equity, international equity, and property.","start":226.31,"end":230.97,"sentiment":"neutral","sentiment_score":0.13675639480352403}],"sentiment":"neutral","sentiment_score":0.1882751814144499,"num_words":68,"start":196.87,"end":230.97},{"sentences":[{"text":"And these are the ones that long term will grow more, but they will also fluctuate more as well.","start":231.59,"end":237.61499,"sentiment":"neutral","sentiment_score":0.034843020729328454},{"text":"And I would hate for when you want to access your super if it's a bit of a dip in the market or you're seeing a lot of fluctuations, we obviously wanna gradually start reducing that risk exposure.","start":237.75499,"end":247.67499,"sentiment":"neutral","sentiment_score":-0.1530386282033042},{"text":"Do you kind of remember that conversation as well?","start":247.67499,"end":250.33499,"sentiment":"neutral","sentiment_score":0.024317882127232023},{"text":"Yep.","start":251.24,"end":251.74,"sentiment":"neutral","sentiment_score":0.3075685501098633},{"text":"Beautiful.","start":251.8,"end":252.3,"sentiment":"positive","sentiment_score":0.6822836399078369}],"sentiment":"neutral","sentiment_score":-0.05801084336331662,"num_words":68,"start":231.59,"end":252.3},{"sentences":[{"text":"So the proposed portfolio, it is the same one as last time.","start":252.76001,"end":257.26,"sentiment":"neutral","sentiment_score":0.3246269275744756},{"text":"It will see your growth investment down to about 85.14%.","start":257.56,"end":263.5,"sentiment":"positive","sentiment_score":0.3768624603748322},{"text":"So because you still have a little bit of time, obviously, until you wanna access your super, the focus is still to growing that as much as possible so that you do have more in your super when you wanna retire.","start":264.20502,"end":275.245,"sentiment":"neutral","sentiment_score":0.3085355435202761},{"text":"But we wanna reduce that risk exposure a little bit.","start":275.245,"end":279.025,"sentiment":"neutral","sentiment_score":0.11721470728516578},{"text":"And for your defensive, instead of it now being about 2.13, obviously quite low in defensive, the proposed fee is about 14.86 in defensive.","start":279.59,"end":289.85,"sentiment":"neutral","sentiment_score":0.1473345641667644}],"sentiment":"neutral","sentiment_score":0.2579616663074985,"num_words":97,"start":252.76001,"end":289.85},{"sentences":[{"text":"So what that means is that you will have a little bit less fluctuations and movement in the market as a result, which is great, but long term, the returns can be not as great either.","start":290.71002,"end":304.185,"sentiment":"neutral","sentiment_score":0.04628314615951644},{"text":"So what I have put in the SOA there for you, it is just showing you what that looks like in terms of all the the fees and the fee comparison and the returns as well.","start":304.485,"end":317.56,"sentiment":"neutral","sentiment_score":0.20218374414576423},{"text":"So that is page 13 when you have a look at it.","start":317.93997,"end":321.195,"sentiment":"neutral","sentiment_score":0.13251391611993313},{"text":"Now I'll try to make it easy because sometimes if I just rattle a bunch of numbers, it's hard if you can't see it.","start":321.275,"end":327.055,"sentiment":"neutral","sentiment_score":0.005656839503596227},{"text":"But, essentially, by reducing the risk for you, which is the main purpose, you are saving a little bit on fees, which is great.","start":327.595,"end":336.33,"sentiment":"positive","sentiment_score":0.3992876863727967}],"sentiment":"neutral","sentiment_score":0.15343669443532373,"num_words":132,"start":290.71002,"end":336.33},{"sentences":[{"text":"So it is about $82 per year.","start":336.88998,"end":339.61,"sentiment":"positive","sentiment_score":0.3383844196796417},{"text":"So not massive, but it still makes a little bit of a difference.","start":339.61,"end":342.83,"sentiment":"neutral","sentiment_score":0.27982035050025356},{"text":"Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth.","start":344.72998,"end":371.95,"sentiment":"neutral","sentiment_score":0.08788625649923895},{"text":"It is only about 0.52%, though, when we are looking at a five year time frame.","start":372.65002,"end":378.57,"sentiment":"neutral","sentiment_score":0.054414423648267984},{"text":"So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do.","start":378.57,"end":387.165,"sentiment":"neutral","sentiment_score":0.2609630146851906}],"sentiment":"neutral","sentiment_score":0.14532035965654816,"num_words":143,"start":336.88998,"end":387.165},{"sentences":[{"text":"On the plus side, though, when we are looking a little bit more short term, the recommended portfolio so if we're looking at the last twelve months, which has seen, obviously, a little bit of fluctuations like we touched on last time, in the the twelve month period, so when we are looking a little bit shorter, the recommended portfolio, even though we are reducing that risk down for you, it has outperformed your current one even though at the moment you are taking on more risk.","start":388.18503,"end":417.98502,"sentiment":"neutral","sentiment_score":0.2373915527058744},{"text":"So that is correct.","start":417.98502,"end":419.045,"sentiment":"neutral","sentiment_score":0.15610428899526596},{"text":"Does that make sense, Wayne?","start":420.16,"end":421.7,"sentiment":"neutral","sentiment_score":0.16470595300197602},{"text":"Yep.","start":422.4,"end":422.9,"sentiment":"positive","sentiment_score":0.3362066447734833},{"text":"Beautiful.","start":423.04,"end":423.54,"sentiment":"positive","sentiment_score":0.6123507022857666}],"sentiment":"neutral","sentiment_score":0.235199687280217,"num_words":98,"start":388.18503,"end":423.54},{"sentences":[{"text":"Now I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change.","start":424.4,"end":438.67502,"sentiment":"neutral","sentiment_score":0.13627891115299084},{"text":"So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you.","start":439.295,"end":451.2,"sentiment":"neutral","sentiment_score":0.14242577068507672},{"text":"So it does change on a daily.","start":451.34,"end":453.44,"sentiment":"neutral","sentiment_score":0.08731365523168019},{"text":"But when we did the calculation, it will be estimated at around $776, just so that you are aware.","start":454.14,"end":462.715,"sentiment":"neutral","sentiment_score":0.06419507492529719},{"text":"Now that is paid from within Supers.","start":464.69498,"end":466.85498,"sentiment":"neutral","sentiment_score":0.07914168015122414}],"sentiment":"neutral","sentiment_score":0.11990666628014623,"num_words":114,"start":424.4,"end":466.85498},{"sentences":[{"text":"It's not something you have to pay, but just so that you are aware that when we do, obviously, swap and change investments, there will be a little bit of tax as a result as well.","start":466.85498,"end":476.65,"sentiment":"neutral","sentiment_score":0.07539365947660473},{"text":"Does that all make sense as well?","start":476.65,"end":478.35,"sentiment":"neutral","sentiment_score":0.07644852463688169},{"text":"Yep.","start":480.33,"end":480.83,"sentiment":"neutral","sentiment_score":0.10844403505325316},{"text":"Yep.","start":481.13,"end":481.53,"sentiment":"neutral","sentiment_score":0.16228899359703064},{"text":"Perfect.","start":481.53,"end":482.03,"sentiment":"positive","sentiment_score":0.3366331160068512}],"sentiment":"neutral","sentiment_score":0.08384081648419732,"num_words":46,"start":466.85498,"end":482.03},{"sentences":[{"text":"Now when it comes to actually the investments, like I said, it is exactly the same as last time.","start":482.57,"end":489.15,"sentiment":"neutral","sentiment_score":0.077422977474175},{"text":"Do you want me to go over the investment again with you, or do you feel pretty confident from there?","start":490.465,"end":496.325,"sentiment":"neutral","sentiment_score":-0.021799406222999095},{"text":"Perfect.","start":497.825,"end":498.325,"sentiment":"positive","sentiment_score":0.7668658494949341},{"text":"It is all in there.","start":498.625,"end":499.665,"sentiment":"positive","sentiment_score":0.5056419432163238},{"text":"They're on page 15 if you wanna have a look at it again.","start":499.665,"end":502.545,"sentiment":"neutral","sentiment_score":0.18013513661347902}],"sentiment":"neutral","sentiment_score":0.11503242739829524,"num_words":58,"start":482.57,"end":502.545},{"sentences":[{"text":"I have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you.","start":502.545,"end":513.70996,"sentiment":"neutral","sentiment_score":0.07742960408329963},{"text":"So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments.","start":513.70996,"end":522.385,"sentiment":"neutral","sentiment_score":0.19629046540049946},{"text":"So same as last time.","start":522.525,"end":524.22504,"sentiment":"neutral","sentiment_score":0.11044775545597077},{"text":"And if it is that you would like to go and have a look at the investments in more detail yourself, in the appendix, which is the second attachment, I have included investment links for these there for you.","start":524.605,"end":535.89996,"sentiment":"neutral","sentiment_score":0.15176212615691698},{"text":"So if it is that you wanna go and have a read over it, you are more than welcome to.","start":535.89996,"end":540.39996,"sentiment":"neutral","sentiment_score":0.32602524757385254}],"sentiment":"neutral","sentiment_score":0.1756185575168792,"num_words":123,"start":502.545,"end":540.39996},{"sentences":[{"text":"Yep.","start":541.74,"end":542.14,"sentiment":"neutral","sentiment_score":0.2466168701648712},{"text":"Perfect.","start":542.14,"end":542.64,"sentiment":"positive","sentiment_score":0.4677998721599579},{"text":"The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment.","start":543.01996,"end":554.07495,"sentiment":"neutral","sentiment_score":0.1938242888187661},{"text":"And I know we were kind of aiming for a weekly income of around $500.","start":554.135,"end":560.055,"sentiment":"neutral","sentiment_score":0.14954325954119366},{"text":"So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it.","start":560.055,"end":572.33997,"sentiment":"neutral","sentiment_score":0.2681266580309187}],"sentiment":"neutral","sentiment_score":0.22013981960887133,"num_words":86,"start":541.74,"end":572.33997},{"sentences":[{"text":"And at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well.","start":572.33997,"end":580.14496,"sentiment":"neutral","sentiment_score":0.2070001643896103},{"text":"So it does show you a bit of a projection that you can actually take out a little bit more if needed, and then that will be supplemented the way things are looking currently with the age pension.","start":580.20496,"end":591.32495,"sentiment":"neutral","sentiment_score":0.15116813033819199},{"text":"But we can obviously reassess that as you get a bit closer to that time frame.","start":591.32495,"end":596.19,"sentiment":"neutral","sentiment_score":0.058798718033358455},{"text":"And then, yeah, I have also just included again just some information in regards to your will and power of attorney.","start":598.09,"end":604.27,"sentiment":"neutral","sentiment_score":0.09540447983003798},{"text":"Like I said last time, I do always recommend everyone to have a bit of a think about it.","start":605.225,"end":608.90497,"sentiment":"neutral","sentiment_score":0.22328820197205795}],"sentiment":"neutral","sentiment_score":0.15215245768928728,"num_words":119,"start":572.33997,"end":608.90497},{"sentences":[{"text":"So there's just some information in regards to that for you.","start":608.90497,"end":612.045,"sentiment":"neutral","sentiment_score":0.06285262277180498},{"text":"And the last thing is just that ongoing advice fee.","start":612.505,"end":616.105,"sentiment":"neutral","sentiment_score":0.04400231335312128},{"text":"So like I said during the annual review, no changes whatsoever in regards to that fee structure.","start":616.105,"end":622.02,"sentiment":"neutral","sentiment_score":0.04654216152780196},{"text":"That stays exactly the same at 1.65.","start":622.02,"end":625.64,"sentiment":"neutral","sentiment_score":0.09241303588662829},{"text":"Now, Wayne, do you have any questions for me?","start":626.58,"end":628.58,"sentiment":"neutral","sentiment_score":0.07001719002922376}],"sentiment":"neutral","sentiment_score":0.059253049841909496,"num_words":54,"start":608.90497,"end":628.58},{"sentences":[{"text":"Well, that was pretty straightforward because I know we've kind of gone gone through it already.","start":628.58,"end":632.44,"sentiment":"neutral","sentiment_score":0.2874117251485586},{"text":"Yep.","start":635.555,"end":636.03503,"sentiment":"neutral","sentiment_score":0.20781075954437256},{"text":"Perfect.","start":636.03503,"end":636.53503,"sentiment":"positive","sentiment_score":0.4346951842308045},{"text":"So, basically, from here, obviously, when you have a bit more time and access to your emails, have a look through the documents.","start":636.835,"end":643.73505,"sentiment":"neutral","sentiment_score":0.2180847415457601},{"text":"If you have any questions at all, just give me a call.","start":643.875,"end":647.015,"sentiment":"neutral","sentiment_score":0.1716520550350348}],"sentiment":"neutral","sentiment_score":0.2323937219268871,"num_words":53,"start":628.58,"end":647.015},{"sentences":[{"text":"If not, if you read through it and it all makes sense and you are happy with it, it would then be to sign the documents digitally.","start":647.37,"end":655.15,"sentiment":"neutral","sentiment_score":0.27606651380106256},{"text":"Now I know you had a bit of issues last time, so let me know how you go.","start":655.21,"end":659.15,"sentiment":"neutral","sentiment_score":0.01267394195828173},{"text":"I will keep a look at on the email as well.","start":659.535,"end":662.255,"sentiment":"neutral","sentiment_score":0.0800932500172745},{"text":"We have changed the software, so hopefully, this time, it's a little bit easier.","start":662.255,"end":666.195,"sentiment":"neutral","sentiment_score":0.03553471661039761},{"text":"It did.","start":669.535,"end":670.255,"sentiment":"neutral","sentiment_score":0.0797208696603775}],"sentiment":"neutral","sentiment_score":0.12805389374908474,"num_words":72,"start":647.37,"end":670.255},{"sentences":[{"text":"Exactly.","start":670.255,"end":670.755,"sentiment":"neutral","sentiment_score":0.08916741609573364},{"text":"So it did.","start":671.21497,"end":672.48004,"sentiment":"neutral","sentiment_score":-0.0172244335214297},{"text":"No.","start":673.74,"end":674.06,"sentiment":"neutral","sentiment_score":0.048885270953178406},{"text":"It did.","start":674.06,"end":674.46,"sentiment":"neutral","sentiment_score":0.13222483545541763},{"text":"I saw that come through, so that worked.","start":674.46,"end":676.14,"sentiment":"neutral","sentiment_score":0.2655265498906374}],"sentiment":"neutral","sentiment_score":0.16500276376803716,"num_words":15,"start":670.255,"end":676.14},{"sentences":[{"text":"So that's great.","start":676.14,"end":677.02,"sentiment":"positive","sentiment_score":0.6306421558062235},{"text":"So I'll keep a little look at it on my inbox.","start":677.02,"end":679.66003,"sentiment":"positive","sentiment_score":0.46022060784426605},{"text":"Just keep an eye on it, and it'll be exactly the same.","start":679.66003,"end":682.38,"sentiment":"positive","sentiment_score":0.40261510759592056},{"text":"Just that one signature.","start":682.38,"end":683.66003,"sentiment":"positive","sentiment_score":0.36106806993484497},{"text":"If you are happy with it, it'll come through to me, and that tells me that you are happy with making those couple of investment changes, and we can answer that.","start":683.66003,"end":692.685,"sentiment":"positive","sentiment_score":0.5908621847629547}],"sentiment":"positive","sentiment_score":0.5171595811843872,"num_words":61,"start":676.14,"end":692.685},{"sentences":[{"text":"But if you have any questions, like I said, when you read through it, just give me a call as well.","start":692.685,"end":696.945,"sentiment":"neutral","sentiment_score":0.18818568757602147},{"text":"Yep.","start":697.9,"end":698.4,"sentiment":"neutral","sentiment_score":0.2803817391395569},{"text":"Perfect.","start":698.62,"end":699.02,"sentiment":"positive","sentiment_score":0.6054089069366455},{"text":"Well, thank you so much for your time this morning, Wayne.","start":699.02,"end":700.94,"sentiment":"positive","sentiment_score":0.7105363797057759},{"text":"And if there's anything else that you need at any point in time, don't hesitate to give me a 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Ryan speaking. Good. Thank you. Yeah. Yep. Mhmm. Bonnie. No. Slow start. No. Not at the moment. Sorry. Mhmm. Yep. Yes, ma'am. It's okay. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Oh, I do. Yes. Yes. Mhmm. Mhmm. Yep. Yeah. It does. Yes. It certainly does. Yep. Mhmm. Yep. No. It's all good. No. No. That's that's all good. Yep. Yep. Nope. That's all. Transcript. Mhmm. Not a little old, actually, it seems. Mhmm. I think I've done that one a few weeks ago on the weekend. K? Well, I presume it did because I didn't hear back, so I must have. Yep. Too easy. Thank you very much. Okay. 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Ryan speaking. Good. Thank you. Yeah.\n\nYep. Mhmm. Bonnie. No. Slow start.\n\nNo. Not at the moment. Sorry. Mhmm. Yep.\n\nYes, ma'am. It's okay. Mhmm. Yep. Yep.\n\nMhmm. Yep. Mhmm. Oh, I do. Yes.\n\nYes. Mhmm. Mhmm. Yep. Yeah.\n\nIt does. Yes. It certainly does. Yep. Mhmm.\n\nYep. No. It's all good. No. No.\n\nThat's that's all good. Yep. Yep. Nope. That's all.\n\nTranscript. Mhmm. Not a little old, actually, it seems. Mhmm. I think I've done that one a few weeks ago on the weekend.\n\nK? Well, I presume it did because I didn't hear back, so I must have. Yep. Too easy. Thank you very much.\n\nOkay. 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Ryan speaking.\n\nChannel 0: Good morning, Wayne. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I had you booked in for a catch up. It is pretty quick today just to kind of discuss the the research I did on your super investment. So is now still a good time?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes as well, we do have\n\nChannel 1: Mhmm.\n\nChannel 0: a password on file for you. Do you know where that might be?\n\nChannel 1: Bonnie.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Beautiful. And how's your morning been? Been busy?\n\nChannel 1: Slow start. No.\n\nChannel 0: That's nice, though. Now, Wayne, do you have access to your emails at the moment?\n\nChannel 1: Not at the moment. Sorry.\n\nChannel 0: Nope. That's okay. Now because it is pretty straightforward today, and we have kind of already gone through all of this at the end of last year when I did the research, and it was just kind of reassessing everything because it did expire. And I know you had a bit of issues signing it. So I'm happy to just kind of go through any quick\n\nChannel 1: Mhmm.\n\nChannel 0: changes. And then when you have a moment later, have a look through them. If you have any questions, you can always let me know. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yes, ma'am. It's\n\nChannel 0: Yep. Perfect. Now\n\nChannel 1: okay.\n\nChannel 0: a lot of it is just for compliance purposes. Again, it is just an updated statement of advice of the conversation we literally had last year as well. I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time. So, basically, from the research, it is still the same recommendation as last year. That\n\nChannel 1: Mhmm.\n\nChannel 0: hasn't changed, which which is great. So I did reassess your Netwealth account again just to make sure it's still a a good option for you because there are always new features and stuff that comes out and new products. So it is good to just check-in every now and then to make sure. But at the moment, it's still very much the best option for you when we are factoring in, you know, potential capital gains tax and fees and investment choices. So not making any changes to your net wealth.\n\nAnd what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little bit. So do you remember that at the moment, we have you in a high growth portfolio?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And it was very suitable. But, obviously, as you are getting closer to retirement, in that high growth portfolio, we do ideally want to see that eight plus years to retirement because you are going to see a lot more fluctuations in the market short term. And the growth portfolio is just that one step down. We are looking ideally retirement age about six years or so, which does align a little bit more with with your time frame what you told me last time. So\n\nChannel 1: Mhmm.\n\nChannel 0: what that will mean is that you are actually reducing your risk exposure, which is great. So when you have a moment later, you will see on page 16, it will show you a asset allocation. So\n\nChannel 1: Yep.\n\nChannel 0: it will show you your portfolio. Now your existing portfolio at the moment sees about 97.87% in your growth investments. So that's like your Australian equity, international equity, and property. And these\n\nChannel 1: Mhmm.\n\nChannel 0: are the ones that long term will grow more, but they will also fluctuate more as well. And I would hate for when you want to access your super if it's a bit of a dip in the market or you're seeing a lot of fluctuations, we obviously wanna gradually start reducing that risk exposure. Do you kind of remember that conversation as well?\n\nChannel 1: Oh, I do. Yes. Yes.\n\nChannel 0: Yep. Beautiful. So the proposed portfolio, it is the same one as last time. It will see your growth investment down to about 85.14%. So because you still have a little bit of time, obviously, until you wanna access your super, the focus is still to growing that as much as possible so that you do have more in your super when you wanna retire.\n\nBut we wanna reduce that risk exposure a little bit. And for your defensive, instead of it now being about 2.13, obviously quite low in defensive, the proposed fee is about 14.86 in defensive. So\n\nChannel 1: Mhmm.\n\nChannel 0: what that means is that you will have a little bit less fluctuations and movement in the market as a result, which is great, but long term, the returns can be not as great either. So what I have put in the SOA there for you, it is just showing you what that looks like in terms of all the the fees and the fee comparison and the returns as well. So that is page 13 when you have a look at it. Now I'll try to make it easy because sometimes if I just rattle a bunch of numbers, it's hard if you can't see it. But, essentially, by reducing the risk for you, which is the main purpose, you are saving a little bit on fees, which is great.\n\nSo it is about $82 per year. So not massive, but it still makes a little bit of a difference.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth. It is only about 0.52%, though, when we are looking at a five year time frame. So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do. On the plus side, though, when we are looking a little bit more short term, the recommended portfolio so if we're looking at the last twelve months, which has seen, obviously, a little bit of fluctuations like we touched on last time, in the the twelve month period, so when we are looking a little bit shorter, the recommended portfolio, even though we are reducing that risk down for you, it has outperformed your current one even though at the moment you are taking on more risk.\n\nSo that is correct.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense, Wayne?\n\nChannel 1: Yeah. It does. Yes. It certainly\n\nChannel 0: Yep.\n\nChannel 1: does.\n\nChannel 0: Beautiful. Now I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change. So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you. So it does change on a daily. But when we did the calculation, it will be estimated at around $776, just so that you are aware.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Now that is paid from within Supers. It's not something you have to pay, but just so that you are aware that when we do, obviously, swap and change investments, there will be a little bit of tax as a result as well. Does that all make sense as well?\n\nChannel 1: Yep. No. It's all good.\n\nChannel 0: Yep. Yep. Perfect. Now when it comes to actually the investments, like I said, it is exactly the same as last time. Do you want me to go over the investment again with you, or do you feel\n\nChannel 1: No.\n\nChannel 0: pretty\n\nChannel 1: No.\n\nChannel 0: confident\n\nChannel 1: That's\n\nChannel 0: from there?\n\nChannel 1: that's all good.\n\nChannel 0: Perfect. It is all in there. They're on page 15 if you wanna have a look at it again. I have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you. So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments.\n\nSo same as last time. And if it is that you would like to go and have a look at the investments in more detail yourself, in the appendix, which is the second attachment, I have included investment links for these there for you. So if it is that you wanna go and have a read over it, you are more than welcome to.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment. And I know we were kind of aiming for a weekly income of around $500. So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it.\n\nAnd at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well. So\n\nChannel 1: Yep.\n\nChannel 0: it does show you a bit of a projection that you can actually take out a little bit more if needed, and then that will be supplemented the way things are looking currently with the age pension. But we can obviously reassess that as you get a bit closer to that time frame.\n\nChannel 1: Nope. That's all.\n\nChannel 0: And\n\nChannel 1: Transcript.\n\nChannel 0: then, yeah, I have also just included again just some information in regards to your will and power of attorney. Like I said last time, I do always recommend everyone to have a bit of a think about it. So there's just some information in regards to that for you. And the last thing is just that ongoing advice fee. So like I said during the annual review, no changes whatsoever in regards to that fee structure.\n\nThat stays exactly the same at 1.65. Now, Wayne, do you have any questions for me? Well, that was pretty straightforward because I know we've kind of gone gone through it already.\n\nChannel 1: Mhmm. Not a little old, actually, it seems.\n\nChannel 0: Yep. Perfect. So, basically, from here, obviously, when you have a bit more time and access to your emails, have a look through the documents. If you have any questions at all, just give me a call. If not, if you read through it and it all makes sense and you are happy with it, it would then be to sign the documents digitally.\n\nNow I know you had a bit of issues last time, so let me know how you go. I will keep a look at on the email as well. We have changed the software, so\n\nChannel 1: Mhmm.\n\nChannel 0: hopefully, this time, it's a little bit\n\nChannel 1: I\n\nChannel 0: easier.\n\nChannel 1: think I've done that one a few weeks ago on the weekend. K?\n\nChannel 0: It did.\n\nChannel 1: Well,\n\nChannel 0: Exactly.\n\nChannel 1: I presume it did\n\nChannel 0: So\n\nChannel 1: because I didn't hear\n\nChannel 0: it did.\n\nChannel 1: back, so I must have.\n\nChannel 0: No. It did. I saw that come through, so that worked. So that's great. So I'll keep a little look at it on my inbox.\n\nJust keep an eye on it, and it'll be exactly the same. Just that one signature. If you are happy with it, it'll come through to me, and that tells me that you are happy with making those couple of investment changes, and we can answer that. But if you have any questions, like I said, when you read through it, just give me a call as well.\n\nChannel 1: Yep. Too easy.\n\nChannel 0: Yep. Perfect. Well, thank you so much for your time this morning, Wayne. And if there's anything else that you need at any point in time, don't hesitate to give me a call.\n\nChannel 1: Thank you very much.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.02350868284702301},{"text":"Ryan speaking.","start":0.96,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03370670136064291}],"sentiment":"neutral","sentiment_score":0.030307361856102943,"channel":1,"num_words":3,"start":0.32,"end":1.6999999},{"sentences":[{"text":"Good morning, Wayne.","start":2.24,"end":3.04,"sentiment":"positive","sentiment_score":0.3435007333755493},{"text":"This is Veronica from Oakview Financial.","start":3.04,"end":5.06,"sentiment":"neutral","sentiment_score":0.25310323635737103},{"text":"How are you?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.2055500994126002}],"sentiment":"neutral","sentiment_score":0.2638143263757229,"channel":0,"num_words":12,"start":2.24,"end":5.94},{"sentences":[{"text":"Good.","start":5.92,"end":6.16,"sentiment":"positive","sentiment_score":0.5604337453842163},{"text":"Thank you.","start":6.16,"end":6.8199997,"sentiment":"positive","sentiment_score":0.6928918063640594}],"sentiment":"positive","sentiment_score":0.6487391193707784,"channel":1,"num_words":3,"start":5.92,"end":6.8199997},{"sentences":[{"text":"That's good.","start":7.2799997,"end":8.26,"sentiment":"positive","sentiment_score":0.702952653169632},{"text":"I had you booked in for a catch up.","start":9.04,"end":11.12,"sentiment":"positive","sentiment_score":0.394906610250473},{"text":"It is pretty quick today just to kind of discuss the the research I did on your super investment.","start":11.12,"end":16.135,"sentiment":"positive","sentiment_score":0.3832768248884301},{"text":"So is now still a good time?","start":16.135,"end":17.675,"sentiment":"neutral","sentiment_score":0.23385763806956156}],"sentiment":"positive","sentiment_score":0.3751169712962331,"channel":0,"num_words":37,"start":7.2799997,"end":17.675},{"sentences":[{"text":"Yeah.","start":18.095001,"end":18.575,"sentiment":"neutral","sentiment_score":0.1109260469675064},{"text":"Yep.","start":18.575,"end":19.075,"sentiment":"neutral","sentiment_score":0.12387542426586153}],"sentiment":"neutral","sentiment_score":0.11740073561668396,"channel":1,"num_words":2,"start":18.095001,"end":19.075},{"sentences":[{"text":"Yeah.","start":19.175,"end":19.654999,"sentiment":"neutral","sentiment_score":0.22906428575515747},{"text":"Perfect.","start":19.654999,"end":20.154999,"sentiment":"positive","sentiment_score":0.4556763172149658},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.375,"end":27.914999,"sentiment":"neutral","sentiment_score":0.07335493867767268},{"text":"Perfect.","start":29.65,"end":30.15,"sentiment":"neutral","sentiment_score":0.3258278965950012},{"text":"And just for security purposes as well, we do have","start":30.529999,"end":33.25,"sentiment":"neutral","sentiment_score":0.1125314973294735}],"sentiment":"neutral","sentiment_score":0.10150420701219923,"channel":0,"num_words":42,"start":19.175,"end":33.25},{"sentences":[{"text":"Mhmm.","start":33.19,"end":33.69,"sentiment":"neutral","sentiment_score":0.0951479971408844}],"sentiment":"neutral","sentiment_score":0.0951479971408844,"channel":1,"num_words":1,"start":33.19,"end":33.69},{"sentences":[{"text":"a password on file for you.","start":33.25,"end":34.93,"sentiment":"neutral","sentiment_score":0.07548219586412112},{"text":"Do you know where that might be?","start":34.93,"end":36.469997,"sentiment":"neutral","sentiment_score":0.03288348737571921}],"sentiment":"neutral","sentiment_score":0.05254442975498163,"channel":0,"num_words":13,"start":33.25,"end":36.469997},{"sentences":[{"text":"Bonnie.","start":36.629997,"end":37.129997,"sentiment":"neutral","sentiment_score":0.03714975342154503}],"sentiment":"neutral","sentiment_score":0.03714975342154503,"channel":1,"num_words":1,"start":36.629997,"end":37.129997},{"sentences":[{"text":"Yeah.","start":37.73,"end":38.21,"sentiment":"neutral","sentiment_score":0.04265299811959267}],"sentiment":"neutral","sentiment_score":0.04265299811959267,"channel":0,"num_words":1,"start":37.73,"end":38.21},{"sentences":[{"text":"No.","start":37.905,"end":38.405,"sentiment":"neutral","sentiment_score":0.08608460426330566}],"sentiment":"neutral","sentiment_score":0.08608460426330566,"channel":1,"num_words":1,"start":37.905,"end":38.405},{"sentences":[{"text":"Beautiful.","start":38.21,"end":38.71,"sentiment":"neutral","sentiment_score":0.3222024440765381},{"text":"And how's your morning been?","start":38.85,"end":40.129997,"sentiment":"neutral","sentiment_score":0.09681159406900405},{"text":"Been busy?","start":40.129997,"end":40.87,"sentiment":"neutral","sentiment_score":-0.021743272431194782}],"sentiment":"neutral","sentiment_score":0.0953467336948961,"channel":0,"num_words":8,"start":38.21,"end":40.87},{"sentences":[{"text":"Slow start.","start":41.985,"end":42.965,"sentiment":"neutral","sentiment_score":-0.08639901503920555},{"text":"No.","start":43.024998,"end":43.524998,"sentiment":"neutral","sentiment_score":-0.08958563208580017}],"sentiment":"neutral","sentiment_score":-0.08746122072140376,"channel":1,"num_words":3,"start":41.985,"end":43.524998},{"sentences":[{"text":"That's nice, though.","start":44.045,"end":45.184998,"sentiment":"neutral","sentiment_score":0.09687222043673198},{"text":"Now, Wayne, do you have access to your emails at the moment?","start":46.445,"end":49.105,"sentiment":"neutral","sentiment_score":0.008767507349451384}],"sentiment":"neutral","sentiment_score":0.0263884499669075,"channel":0,"num_words":15,"start":44.045,"end":49.105},{"sentences":[{"text":"Not at the moment.","start":49.985,"end":51.105,"sentiment":"neutral","sentiment_score":-0.11533560045063496},{"text":"Sorry.","start":51.105,"end":51.54,"sentiment":"neutral","sentiment_score":-0.12380351126194}],"sentiment":"neutral","sentiment_score":-0.11702918261289597,"channel":1,"num_words":5,"start":49.985,"end":51.54},{"sentences":[{"text":"Nope.","start":51.725,"end":52.125,"sentiment":"neutral","sentiment_score":-0.08748596906661987},{"text":"That's okay.","start":52.125,"end":53.024998,"sentiment":"neutral","sentiment_score":0.018559674499556422},{"text":"Now because it is pretty straightforward today, and we have kind of already gone through all of this at the end of last year when I did the research, and it was just kind of reassessing everything because it did expire.","start":53.960003,"end":65.340004,"sentiment":"neutral","sentiment_score":0.07711569851309788},{"text":"And I know you had a bit of issues signing it.","start":65.4,"end":67.98,"sentiment":"neutral","sentiment_score":0.023497252640399067},{"text":"So I'm happy to just kind of go through any quick","start":68.625,"end":72.225,"sentiment":"positive","sentiment_score":0.42092822085727344}],"sentiment":"neutral","sentiment_score":0.1212129882946046,"channel":0,"num_words":66,"start":51.725,"end":72.225},{"sentences":[{"text":"Mhmm.","start":72.095,"end":72.595,"sentiment":"neutral","sentiment_score":0.21534916758537292}],"sentiment":"neutral","sentiment_score":0.21534916758537292,"channel":1,"num_words":1,"start":72.095,"end":72.595},{"sentences":[{"text":"changes.","start":72.225,"end":72.705,"sentiment":"neutral","sentiment_score":0.27920717000961304},{"text":"And then when you have a moment later, have a look through them.","start":72.705,"end":76.945,"sentiment":"neutral","sentiment_score":0.2107087901005378},{"text":"If you have any questions, you can always let me know.","start":76.945,"end":79.185005,"sentiment":"neutral","sentiment_score":0.15378107062794946},{"text":"Is that okay?","start":79.185005,"end":80.005005,"sentiment":"neutral","sentiment_score":0.1248957763115565}],"sentiment":"neutral","sentiment_score":0.18159644811281137,"channel":0,"num_words":28,"start":72.225,"end":80.005005},{"sentences":[{"text":"Yep.","start":80.7,"end":80.94,"sentiment":"neutral","sentiment_score":0.0732412040233612}],"sentiment":"neutral","sentiment_score":0.0732412040233612,"channel":1,"num_words":1,"start":80.7,"end":80.94},{"sentences":[{"text":"Yep.","start":80.880005,"end":81.380005,"sentiment":"neutral","sentiment_score":0.08702768385410309}],"sentiment":"neutral","sentiment_score":0.08702768385410309,"channel":0,"num_words":1,"start":80.880005,"end":81.380005},{"sentences":[{"text":"Yes, ma'am.","start":80.94,"end":81.42,"sentiment":"neutral","sentiment_score":0.17348888516426086},{"text":"It's","start":81.42,"end":81.92,"sentiment":"neutral","sentiment_score":0.15662595629692078}],"sentiment":"neutral","sentiment_score":0.1678679088751475,"channel":1,"num_words":3,"start":80.94,"end":81.92},{"sentences":[{"text":"Yep.","start":82.24,"end":82.64,"sentiment":"neutral","sentiment_score":0.14955198764801023},{"text":"Perfect.","start":82.64,"end":83.14,"sentiment":"positive","sentiment_score":0.3346436023712158},{"text":"Now","start":84.48,"end":84.98,"sentiment":"neutral","sentiment_score":0.22209107875823977}],"sentiment":"neutral","sentiment_score":0.23542888959248862,"channel":0,"num_words":3,"start":82.24,"end":84.98},{"sentences":[{"text":"okay.","start":85.1,"end":85.6,"sentiment":"neutral","sentiment_score":0.1831870079040527}],"sentiment":"neutral","sentiment_score":0.1831870079040527,"channel":1,"num_words":1,"start":85.1,"end":85.6},{"sentences":[{"text":"a lot of it is just for compliance purposes.","start":85.12,"end":87.520004,"sentiment":"neutral","sentiment_score":0.1210531633761194},{"text":"Again, it is just an updated statement of advice of the conversation we literally had last year as well.","start":87.520004,"end":93.585,"sentiment":"neutral","sentiment_score":0.12398263968919453},{"text":"I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time.","start":94.145,"end":107.284996,"sentiment":"neutral","sentiment_score":0.1374199839406892},{"text":"So, basically, from the research, it is still the same recommendation as last 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products.","start":118.43,"end":128.655,"sentiment":"positive","sentiment_score":0.377554009504178},{"text":"So it is good to just check-in every now and then to make sure.","start":128.655,"end":132.915,"sentiment":"neutral","sentiment_score":0.2729269659944943},{"text":"But at the moment, it's still very much the best option for you when we are factoring in, you know, potential capital gains tax and fees and investment choices.","start":133.52,"end":144.02,"sentiment":"neutral","sentiment_score":0.21614201315518083},{"text":"So not making any changes to your net wealth.","start":144.56,"end":147.12,"sentiment":"neutral","sentiment_score":-0.12898582054509056}],"sentiment":"neutral","sentiment_score":0.2691065337023009,"channel":0,"num_words":92,"start":116.59,"end":147.12},{"sentences":[{"text":"And what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little 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that eight plus years to retirement because you are going to see a lot more fluctuations in the market short term.","start":166.87,"end":181.465,"sentiment":"neutral","sentiment_score":0.031398132943162106},{"text":"And the growth portfolio is just that one step down.","start":182.56499,"end":186.50499,"sentiment":"neutral","sentiment_score":0.009537790715694428},{"text":"We are looking ideally retirement age about six years or so, which does align a little bit more with with your time frame what you told me last time.","start":186.72499,"end":196.32999,"sentiment":"neutral","sentiment_score":0.13166159083103313},{"text":"So","start":196.87,"end":197.34999,"sentiment":"neutral","sentiment_score":0.18045741319656372}],"sentiment":"neutral","sentiment_score":0.08113390577653813,"channel":0,"num_words":86,"start":165.51,"end":197.34999},{"sentences":[{"text":"Mhmm.","start":196.98,"end":197.48,"sentiment":"neutral","sentiment_score":0.22232013940811157}],"sentiment":"neutral","sentiment_score":0.22232013940811157,"channel":1,"num_words":1,"start":196.98,"end":197.48},{"sentences":[{"text":"what that will mean is that you are actually reducing your risk exposure, which is great.","start":197.34999,"end":203.26999,"sentiment":"neutral","sentiment_score":0.33312875498086214},{"text":"So when you have a moment later, you will see on page 16, it will show you a asset allocation.","start":203.26999,"end":212.625,"sentiment":"neutral","sentiment_score":0.14661140665411948},{"text":"So","start":213.645,"end":213.88501,"sentiment":"neutral","sentiment_score":0.11429152637720108}],"sentiment":"neutral","sentiment_score":0.22639404700414553,"channel":0,"num_words":37,"start":197.34999,"end":213.88501},{"sentences":[{"text":"Yep.","start":213.685,"end":214.185,"sentiment":"neutral","sentiment_score":0.1590045541524887}],"sentiment":"neutral","sentiment_score":0.1590045541524887,"channel":1,"num_words":1,"start":213.685,"end":214.185},{"sentences":[{"text":"it will show you your portfolio.","start":213.88501,"end":216.225,"sentiment":"neutral","sentiment_score":0.14066455885767937},{"text":"Now your existing portfolio at the moment sees about 97.87% in your growth investments.","start":216.765,"end":225.45,"sentiment":"neutral","sentiment_score":0.1452945630465235},{"text":"So that's like your Australian equity, international equity, and property.","start":226.31,"end":230.97,"sentiment":"neutral","sentiment_score":0.13675639480352403},{"text":"And these","start":231.59,"end":231.99,"sentiment":"neutral","sentiment_score":0.09296135231852531}],"sentiment":"neutral","sentiment_score":0.138487434014678,"channel":0,"num_words":32,"start":213.88501,"end":231.99},{"sentences":[{"text":"Mhmm.","start":231.79001,"end":232.29001,"sentiment":"neutral","sentiment_score":0.07768315821886063}],"sentiment":"neutral","sentiment_score":0.07768315821886063,"channel":1,"num_words":1,"start":231.79001,"end":232.29001},{"sentences":[{"text":"are the ones that long term will grow more, but they will also fluctuate more as well.","start":231.99,"end":237.61499,"sentiment":"neutral","sentiment_score":0.028005569954128826},{"text":"And I would hate for when you want to access your super if it's a bit of a dip in the market or you're seeing a lot of fluctuations, we obviously wanna gradually start reducing that risk exposure.","start":237.75499,"end":247.67499,"sentiment":"neutral","sentiment_score":-0.1530386282033042},{"text":"Do you kind of remember that conversation as well?","start":247.67499,"end":250.33499,"sentiment":"neutral","sentiment_score":0.024317882127232023}],"sentiment":"neutral","sentiment_score":-0.08000800380250439,"channel":0,"num_words":64,"start":231.99,"end":250.33499},{"sentences":[{"text":"Oh, I do.","start":249.885,"end":250.44499,"sentiment":"neutral","sentiment_score":0.0838813732067744},{"text":"Yes.","start":250.44499,"end":250.845,"sentiment":"neutral","sentiment_score":0.10007977485656738},{"text":"Yes.","start":250.845,"end":251.345,"sentiment":"neutral","sentiment_score":0.1443183869123459}],"sentiment":"neutral","sentiment_score":0.09920845627784729,"channel":1,"num_words":5,"start":249.885,"end":251.345},{"sentences":[{"text":"Yep.","start":251.24,"end":251.74,"sentiment":"neutral","sentiment_score":0.3075685501098633},{"text":"Beautiful.","start":251.8,"end":252.3,"sentiment":"positive","sentiment_score":0.6822836399078369},{"text":"So the proposed portfolio, it is the same one as last time.","start":252.76001,"end":257.26,"sentiment":"neutral","sentiment_score":0.3246269275744756},{"text":"It will see your growth investment down to about 85.14%.","start":257.56,"end":263.5,"sentiment":"positive","sentiment_score":0.3768624603748322},{"text":"So because you still have a little bit of time, obviously, until you wanna access your super, the focus is still to growing that as much as possible so that you do have more in your super when you wanna retire.","start":264.20502,"end":275.245,"sentiment":"neutral","sentiment_score":0.3085355435202761}],"sentiment":"neutral","sentiment_score":0.32775318783063156,"channel":0,"num_words":65,"start":251.24,"end":275.245},{"sentences":[{"text":"But we wanna reduce that risk exposure a little bit.","start":275.245,"end":279.025,"sentiment":"neutral","sentiment_score":0.11721470728516578},{"text":"And for your defensive, instead of it now being about 2.13, obviously quite low in defensive, the proposed fee is about 14.86 in defensive.","start":279.59,"end":289.85,"sentiment":"neutral","sentiment_score":0.1473345641667644},{"text":"So","start":290.71002,"end":291.11002,"sentiment":"neutral","sentiment_score":0.13971009850502014}],"sentiment":"neutral","sentiment_score":0.13851104889597213,"channel":0,"num_words":35,"start":275.245,"end":291.11002},{"sentences":[{"text":"Mhmm.","start":290.81998,"end":291.31998,"sentiment":"neutral","sentiment_score":0.15336009860038757}],"sentiment":"neutral","sentiment_score":0.15336009860038757,"channel":1,"num_words":1,"start":290.81998,"end":291.31998},{"sentences":[{"text":"what that means is that you will have a little bit less fluctuations and movement in the market as a result, which is great, but long term, the returns can be not as great either.","start":291.11002,"end":304.185,"sentiment":"neutral","sentiment_score":0.04361380466393062},{"text":"So what I have put in the SOA there for you, it is just showing you what that looks like in terms of all the the fees and the fee comparison and the returns as well.","start":304.485,"end":317.56,"sentiment":"neutral","sentiment_score":0.20218374414576423},{"text":"So that is page 13 when you have a look at it.","start":317.93997,"end":321.195,"sentiment":"neutral","sentiment_score":0.13251391611993313},{"text":"Now I'll try to make it easy because sometimes if I just rattle a bunch of numbers, it's hard if you can't see it.","start":321.275,"end":327.055,"sentiment":"neutral","sentiment_score":0.005656839503596227},{"text":"But, essentially, by reducing the risk for you, which is the main purpose, you are saving a little bit on fees, which is great.","start":327.595,"end":336.33,"sentiment":"positive","sentiment_score":0.3992876863727967}],"sentiment":"neutral","sentiment_score":0.1535414776103642,"channel":0,"num_words":131,"start":291.11002,"end":336.33},{"sentences":[{"text":"So it is about $82 per year.","start":336.88998,"end":339.61,"sentiment":"positive","sentiment_score":0.3383844196796417},{"text":"So not massive, but it still makes a little bit of a difference.","start":339.61,"end":342.83,"sentiment":"neutral","sentiment_score":0.27982035050025356}],"sentiment":"neutral","sentiment_score":0.3003177747130394,"channel":0,"num_words":20,"start":336.88998,"end":342.83},{"sentences":[{"text":"Mhmm.","start":343.40997,"end":343.90997,"sentiment":"neutral","sentiment_score":0.09547334164381029}],"sentiment":"neutral","sentiment_score":0.09547334164381029,"channel":1,"num_words":1,"start":343.40997,"end":343.90997},{"sentences":[{"text":"Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth.","start":344.72998,"end":371.95,"sentiment":"neutral","sentiment_score":0.08788625649923895},{"text":"It is only about 0.52%, though, when we are looking at a five year time frame.","start":372.65002,"end":378.57,"sentiment":"neutral","sentiment_score":0.054414423648267984},{"text":"So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do.","start":378.57,"end":387.165,"sentiment":"neutral","sentiment_score":0.2609630146851906},{"text":"On the plus side, though, when we are looking a little bit more short term, the recommended portfolio so if we're looking at the last twelve months, which has seen, obviously, a little bit of fluctuations like we touched on last time, in the the twelve month period, so when we are looking a little bit shorter, the recommended portfolio, even though we are reducing that risk down for you, it has outperformed your current one even though at the moment you are taking on more risk.","start":388.18503,"end":417.98502,"sentiment":"neutral","sentiment_score":0.2373915527058744}],"sentiment":"neutral","sentiment_score":0.16870248105731747,"channel":0,"num_words":210,"start":344.72998,"end":417.98502},{"sentences":[{"text":"So that is correct.","start":417.98502,"end":419.045,"sentiment":"neutral","sentiment_score":0.15610428899526596}],"sentiment":"neutral","sentiment_score":0.15610428899526596,"channel":0,"num_words":4,"start":417.98502,"end":419.045},{"sentences":[{"text":"Yep.","start":419.955,"end":420.455,"sentiment":"neutral","sentiment_score":0.1614958494901657}],"sentiment":"neutral","sentiment_score":0.1614958494901657,"channel":1,"num_words":1,"start":419.955,"end":420.455},{"sentences":[{"text":"Does that make sense, Wayne?","start":420.16,"end":421.7,"sentiment":"neutral","sentiment_score":0.16470595300197602}],"sentiment":"neutral","sentiment_score":0.16470595300197602,"channel":0,"num_words":5,"start":420.16,"end":421.7},{"sentences":[{"text":"Yeah.","start":421.235,"end":421.47498,"sentiment":"neutral","sentiment_score":0.17223075032234192},{"text":"It does.","start":421.47498,"end":421.875,"sentiment":"neutral","sentiment_score":0.19214142858982086},{"text":"Yes.","start":421.875,"end":422.115,"sentiment":"neutral","sentiment_score":0.23379994928836825},{"text":"It certainly","start":422.115,"end":422.675,"sentiment":"positive","sentiment_score":0.33421191573143005}],"sentiment":"neutral","sentiment_score":0.243122898042202,"channel":1,"num_words":6,"start":421.235,"end":422.675},{"sentences":[{"text":"Yep.","start":422.4,"end":422.9,"sentiment":"positive","sentiment_score":0.3362066447734833}],"sentiment":"positive","sentiment_score":0.3362066447734833,"channel":0,"num_words":1,"start":422.4,"end":422.9},{"sentences":[{"text":"does.","start":422.675,"end":423.175,"sentiment":"positive","sentiment_score":0.4007541239261627}],"sentiment":"positive","sentiment_score":0.4007541239261627,"channel":1,"num_words":1,"start":422.675,"end":423.175},{"sentences":[{"text":"Beautiful.","start":423.04,"end":423.54,"sentiment":"positive","sentiment_score":0.6123507022857666},{"text":"Now I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change.","start":424.4,"end":438.67502,"sentiment":"neutral","sentiment_score":0.13627891115299084},{"text":"So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you.","start":439.295,"end":451.2,"sentiment":"neutral","sentiment_score":0.14242577068507672},{"text":"So it does change on a daily.","start":451.34,"end":453.44,"sentiment":"neutral","sentiment_score":0.08731365523168019},{"text":"But when we did the calculation, it will be estimated at around $776, just so that you are aware.","start":454.14,"end":462.715,"sentiment":"neutral","sentiment_score":0.06419507492529719}],"sentiment":"neutral","sentiment_score":0.12710850830707285,"channel":0,"num_words":108,"start":423.04,"end":462.715},{"sentences":[{"text":"Yep.","start":463.26,"end":463.76,"sentiment":"neutral","sentiment_score":0.06622941792011261},{"text":"Mhmm.","start":464.38,"end":464.715,"sentiment":"neutral","sentiment_score":0.05581309646368027}],"sentiment":"neutral","sentiment_score":0.06102125719189644,"channel":1,"num_words":2,"start":463.26,"end":464.715},{"sentences":[{"text":"Now that is paid from within Supers.","start":464.69498,"end":466.85498,"sentiment":"neutral","sentiment_score":0.07914168015122414},{"text":"It's not something you have to pay, but just so that you are aware that when we do, obviously, swap and change investments, there will be a little bit of tax as a result as well.","start":466.85498,"end":476.65,"sentiment":"neutral","sentiment_score":0.07539365947660473},{"text":"Does that all make sense as well?","start":476.65,"end":478.35,"sentiment":"neutral","sentiment_score":0.07644852463688169}],"sentiment":"neutral","sentiment_score":0.07606606349349022,"channel":0,"num_words":50,"start":464.69498,"end":478.35},{"sentences":[{"text":"Yep.","start":479.34003,"end":479.74002,"sentiment":"neutral","sentiment_score":0.020392321050167084},{"text":"No.","start":479.74002,"end":479.98,"sentiment":"neutral","sentiment_score":-0.04889047518372536},{"text":"It's all good.","start":479.98,"end":480.80002,"sentiment":"neutral","sentiment_score":0.07574988529086113}],"sentiment":"neutral","sentiment_score":0.03975030034780502,"channel":1,"num_words":5,"start":479.34003,"end":480.80002},{"sentences":[{"text":"Yep.","start":480.33,"end":480.83,"sentiment":"neutral","sentiment_score":0.10844403505325316},{"text":"Yep.","start":481.13,"end":481.53,"sentiment":"neutral","sentiment_score":0.16228899359703064},{"text":"Perfect.","start":481.53,"end":482.03,"sentiment":"positive","sentiment_score":0.3366331160068512},{"text":"Now when it comes to actually the investments, like I said, it is exactly the same as last time.","start":482.57,"end":489.15,"sentiment":"neutral","sentiment_score":0.077422977474175},{"text":"Do you want me to go over the investment again with you, or do you feel","start":490.465,"end":494.625,"sentiment":"neutral","sentiment_score":-0.06578826229088008}],"sentiment":"neutral","sentiment_score":0.02699448736874681,"channel":0,"num_words":38,"start":480.33,"end":494.625},{"sentences":[{"text":"No.","start":494.51498,"end":494.91498,"sentiment":"neutral","sentiment_score":-0.20599974691867828}],"sentiment":"neutral","sentiment_score":-0.20599974691867828,"channel":1,"num_words":1,"start":494.51498,"end":494.91498},{"sentences":[{"text":"pretty","start":494.625,"end":494.945,"sentiment":"neutral","sentiment_score":-0.186666339635849}],"sentiment":"neutral","sentiment_score":-0.186666339635849,"channel":0,"num_words":1,"start":494.625,"end":494.945},{"sentences":[{"text":"No.","start":494.91498,"end":495.155,"sentiment":"neutral","sentiment_score":-0.10371246188879012}],"sentiment":"neutral","sentiment_score":-0.10371246188879012,"channel":1,"num_words":1,"start":494.91498,"end":495.155},{"sentences":[{"text":"confident","start":494.945,"end":495.445,"sentiment":"neutral","sentiment_score":0.1442304700613022}],"sentiment":"neutral","sentiment_score":0.1442304700613022,"channel":0,"num_words":1,"start":494.945,"end":495.445},{"sentences":[{"text":"That's","start":495.155,"end":495.655,"sentiment":"neutral","sentiment_score":0.283625066280365}],"sentiment":"neutral","sentiment_score":0.283625066280365,"channel":1,"num_words":1,"start":495.155,"end":495.655},{"sentences":[{"text":"from there?","start":495.505,"end":496.325,"sentiment":"neutral","sentiment_score":0.3295299708843231}],"sentiment":"neutral","sentiment_score":0.3295299708843231,"channel":0,"num_words":2,"start":495.505,"end":496.325},{"sentences":[{"text":"that's all good.","start":496.19498,"end":497.175,"sentiment":"positive","sentiment_score":0.7352465987205505}],"sentiment":"positive","sentiment_score":0.7352465987205505,"channel":1,"num_words":3,"start":496.19498,"end":497.175},{"sentences":[{"text":"Perfect.","start":497.825,"end":498.325,"sentiment":"positive","sentiment_score":0.7668658494949341},{"text":"It is all in there.","start":498.625,"end":499.665,"sentiment":"positive","sentiment_score":0.5056419432163238},{"text":"They're on page 15 if you wanna have a look at it again.","start":499.665,"end":502.545,"sentiment":"neutral","sentiment_score":0.18013513661347902},{"text":"I have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you.","start":502.545,"end":513.70996,"sentiment":"neutral","sentiment_score":0.07742960408329963},{"text":"So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments.","start":513.70996,"end":522.385,"sentiment":"neutral","sentiment_score":0.19629046540049946}],"sentiment":"neutral","sentiment_score":0.18264677265706736,"channel":0,"num_words":78,"start":497.825,"end":522.385},{"sentences":[{"text":"So same as last time.","start":522.525,"end":524.22504,"sentiment":"neutral","sentiment_score":0.11044775545597077},{"text":"And if it is that you would like to go and have a look at the investments in more detail yourself, in the appendix, which is the second attachment, I have included investment links for these there for you.","start":524.605,"end":535.89996,"sentiment":"neutral","sentiment_score":0.15176212615691698},{"text":"So if it is that you wanna go and have a read over it, you are more than welcome to.","start":535.89996,"end":540.39996,"sentiment":"neutral","sentiment_score":0.32602524757385254}],"sentiment":"neutral","sentiment_score":0.20299166638869792,"channel":0,"num_words":64,"start":522.525,"end":540.39996},{"sentences":[{"text":"Yep.","start":540.61,"end":541.11,"sentiment":"neutral","sentiment_score":0.15729829668998718}],"sentiment":"neutral","sentiment_score":0.15729829668998718,"channel":1,"num_words":1,"start":540.61,"end":541.11},{"sentences":[{"text":"Yep.","start":541.74,"end":542.14,"sentiment":"neutral","sentiment_score":0.2466168701648712},{"text":"Perfect.","start":542.14,"end":542.64,"sentiment":"positive","sentiment_score":0.4677998721599579},{"text":"The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment.","start":543.01996,"end":554.07495,"sentiment":"neutral","sentiment_score":0.1938242888187661},{"text":"And I know we were kind of aiming for a weekly income of around $500.","start":554.135,"end":560.055,"sentiment":"neutral","sentiment_score":0.14954325954119366},{"text":"So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it.","start":560.055,"end":572.33997,"sentiment":"neutral","sentiment_score":0.2681266580309187}],"sentiment":"neutral","sentiment_score":0.22013981960887133,"channel":0,"num_words":86,"start":541.74,"end":572.33997},{"sentences":[{"text":"And at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well.","start":572.33997,"end":580.14496,"sentiment":"neutral","sentiment_score":0.2070001643896103},{"text":"So","start":580.20496,"end":580.44495,"sentiment":"neutral","sentiment_score":0.14919406175613403}],"sentiment":"neutral","sentiment_score":0.2047768527498612,"channel":0,"num_words":26,"start":572.33997,"end":580.44495},{"sentences":[{"text":"Yep.","start":580.365,"end":580.865,"sentiment":"neutral","sentiment_score":0.21562276780605316}],"sentiment":"neutral","sentiment_score":0.21562276780605316,"channel":1,"num_words":1,"start":580.365,"end":580.865},{"sentences":[{"text":"it does show you a bit of a projection that you can actually take out a little bit more if needed, and then that will be supplemented the way things are looking currently with the age pension.","start":580.44495,"end":591.32495,"sentiment":"neutral","sentiment_score":0.15122148354311246},{"text":"But we can obviously reassess that as you get a bit closer to that time frame.","start":591.32495,"end":596.19,"sentiment":"neutral","sentiment_score":0.058798718033358455}],"sentiment":"neutral","sentiment_score":0.12332027131375277,"channel":0,"num_words":53,"start":580.44495,"end":596.19},{"sentences":[{"text":"Nope.","start":597.52997,"end":597.69,"sentiment":"neutral","sentiment_score":0.05334871634840965},{"text":"That's all.","start":597.69,"end":598.25,"sentiment":"neutral","sentiment_score":0.041108088567852974}],"sentiment":"neutral","sentiment_score":0.045188297828038536,"channel":1,"num_words":3,"start":597.52997,"end":598.25},{"sentences":[{"text":"And","start":598.09,"end":598.33,"sentiment":"neutral","sentiment_score":0.03204035386443138}],"sentiment":"neutral","sentiment_score":0.03204035386443138,"channel":0,"num_words":1,"start":598.09,"end":598.33},{"sentences":[{"text":"Transcript.","start":598.25,"end":598.75,"sentiment":"neutral","sentiment_score":0.023039888590574265}],"sentiment":"neutral","sentiment_score":0.023039888590574265,"channel":1,"num_words":1,"start":598.25,"end":598.75},{"sentences":[{"text":"then, yeah, I have also just included again just some information in regards to your will and power of attorney.","start":598.33,"end":604.27,"sentiment":"neutral","sentiment_score":0.09857268612831831},{"text":"Like I said last time, I do always recommend everyone to have a bit of a think about it.","start":605.225,"end":608.90497,"sentiment":"neutral","sentiment_score":0.22328820197205795},{"text":"So there's just some information in regards to that for you.","start":608.90497,"end":612.045,"sentiment":"neutral","sentiment_score":0.06285262277180498},{"text":"And the last thing is just that ongoing advice fee.","start":612.505,"end":616.105,"sentiment":"neutral","sentiment_score":0.04400231335312128},{"text":"So like I said during the annual review, no changes whatsoever in regards to that fee structure.","start":616.105,"end":622.02,"sentiment":"neutral","sentiment_score":0.04654216152780196}],"sentiment":"neutral","sentiment_score":0.10566945831206712,"channel":0,"num_words":77,"start":598.33,"end":622.02},{"sentences":[{"text":"That stays exactly the same at 1.65.","start":622.02,"end":625.64,"sentiment":"neutral","sentiment_score":0.09241303588662829},{"text":"Now, Wayne, do you have any questions for me?","start":626.58,"end":628.58,"sentiment":"neutral","sentiment_score":0.07001719002922376},{"text":"Well, that was pretty straightforward because I know we've kind of gone gone through it already.","start":628.58,"end":632.44,"sentiment":"neutral","sentiment_score":0.2874117251485586}],"sentiment":"neutral","sentiment_score":0.18361354887019843,"channel":0,"num_words":32,"start":622.02,"end":632.44},{"sentences":[{"text":"Mhmm.","start":632.37,"end":632.87,"sentiment":"neutral","sentiment_score":0.0523628406226635},{"text":"Not a little old, actually, it seems.","start":633.09,"end":634.785,"sentiment":"neutral","sentiment_score":-0.09588954225182533}],"sentiment":"neutral","sentiment_score":-0.07735799439251423,"channel":1,"num_words":8,"start":632.37,"end":634.785},{"sentences":[{"text":"Yep.","start":635.555,"end":636.03503,"sentiment":"neutral","sentiment_score":0.20781075954437256},{"text":"Perfect.","start":636.03503,"end":636.53503,"sentiment":"positive","sentiment_score":0.4346951842308045},{"text":"So, basically, from here, obviously, when you have a bit more time and access to your emails, have a look through the documents.","start":636.835,"end":643.73505,"sentiment":"neutral","sentiment_score":0.2180847415457601},{"text":"If you have any questions at all, just give me a call.","start":643.875,"end":647.015,"sentiment":"neutral","sentiment_score":0.1716520550350348},{"text":"If not, if you read through it and it all makes sense and you are happy with it, it would then be to sign the documents digitally.","start":647.37,"end":655.15,"sentiment":"neutral","sentiment_score":0.27606651380106256}],"sentiment":"neutral","sentiment_score":0.23706368019338697,"channel":0,"num_words":64,"start":635.555,"end":655.15},{"sentences":[{"text":"Now I know you had a bit of issues last time, so let me know how you go.","start":655.21,"end":659.15,"sentiment":"neutral","sentiment_score":0.01267394195828173},{"text":"I will keep a look at on the email as well.","start":659.535,"end":662.255,"sentiment":"neutral","sentiment_score":0.0800932500172745},{"text":"We have changed the software, so","start":662.255,"end":664.175,"sentiment":"neutral","sentiment_score":-0.007032121221224467}],"sentiment":"neutral","sentiment_score":0.03048468508890697,"channel":0,"num_words":35,"start":655.21,"end":664.175},{"sentences":[{"text":"Mhmm.","start":664.03503,"end":664.53503,"sentiment":"neutral","sentiment_score":0.018346985802054405}],"sentiment":"neutral","sentiment_score":0.018346985802054405,"channel":1,"num_words":1,"start":664.03503,"end":664.53503},{"sentences":[{"text":"hopefully, this time, it's a little bit","start":664.175,"end":665.695,"sentiment":"neutral","sentiment_score":0.06800998215164457}],"sentiment":"neutral","sentiment_score":0.06800998215164457,"channel":0,"num_words":7,"start":664.175,"end":665.695},{"sentences":[{"text":"I","start":665.635,"end":665.875,"sentiment":"neutral","sentiment_score":0.04317368566989899}],"sentiment":"neutral","sentiment_score":0.04317368566989899,"channel":1,"num_words":1,"start":665.635,"end":665.875},{"sentences":[{"text":"easier.","start":665.695,"end":666.195,"sentiment":"neutral","sentiment_score":0.06360888481140137}],"sentiment":"neutral","sentiment_score":0.06360888481140137,"channel":0,"num_words":1,"start":665.695,"end":666.195},{"sentences":[{"text":"think I've done that one a few weeks ago on the weekend.","start":665.875,"end":668.835,"sentiment":"neutral","sentiment_score":0.04524716983238856},{"text":"K?","start":668.835,"end":669.335,"sentiment":"neutral","sentiment_score":0.04456421732902527}],"sentiment":"neutral","sentiment_score":0.04519463502443754,"channel":1,"num_words":13,"start":665.875,"end":669.335},{"sentences":[{"text":"It did.","start":669.535,"end":670.255,"sentiment":"neutral","sentiment_score":0.0797208696603775}],"sentiment":"neutral","sentiment_score":0.0797208696603775,"channel":0,"num_words":2,"start":669.535,"end":670.255},{"sentences":[{"text":"Well,","start":670.11505,"end":670.35504,"sentiment":"neutral","sentiment_score":0.071352019906044}],"sentiment":"neutral","sentiment_score":0.071352019906044,"channel":1,"num_words":1,"start":670.11505,"end":670.35504},{"sentences":[{"text":"Exactly.","start":670.255,"end":670.755,"sentiment":"neutral","sentiment_score":0.08916741609573364}],"sentiment":"neutral","sentiment_score":0.08916741609573364,"channel":0,"num_words":1,"start":670.255,"end":670.755},{"sentences":[{"text":"I presume it did","start":670.35504,"end":671.23505,"sentiment":"neutral","sentiment_score":0.046366265043616295}],"sentiment":"neutral","sentiment_score":0.046366265043616295,"channel":1,"num_words":4,"start":670.35504,"end":671.23505},{"sentences":[{"text":"So","start":671.21497,"end":671.58,"sentiment":"neutral","sentiment_score":0.02173999324440956}],"sentiment":"neutral","sentiment_score":0.02173999324440956,"channel":0,"num_words":1,"start":671.21497,"end":671.58},{"sentences":[{"text":"because I didn't hear","start":671.23505,"end":672.03503,"sentiment":"neutral","sentiment_score":-0.023646448273211718}],"sentiment":"neutral","sentiment_score":-0.023646448273211718,"channel":1,"num_words":4,"start":671.23505,"end":672.03503},{"sentences":[{"text":"it did.","start":671.82,"end":672.48004,"sentiment":"neutral","sentiment_score":-0.03670664690434933}],"sentiment":"neutral","sentiment_score":-0.03670664690434933,"channel":0,"num_words":2,"start":671.82,"end":672.48004},{"sentences":[{"text":"back, so I must have.","start":672.03503,"end":673.255,"sentiment":"neutral","sentiment_score":-0.019459117949008942}],"sentiment":"neutral","sentiment_score":-0.019459117949008942,"channel":1,"num_words":5,"start":672.03503,"end":673.255},{"sentences":[{"text":"No.","start":673.74,"end":674.06,"sentiment":"neutral","sentiment_score":0.048885270953178406},{"text":"It did.","start":674.06,"end":674.46,"sentiment":"neutral","sentiment_score":0.13222483545541763},{"text":"I saw that come through, so that worked.","start":674.46,"end":676.14,"sentiment":"neutral","sentiment_score":0.2655265498906374},{"text":"So that's great.","start":676.14,"end":677.02,"sentiment":"positive","sentiment_score":0.6306421558062235},{"text":"So I'll keep a little look at it on my inbox.","start":677.02,"end":679.66003,"sentiment":"positive","sentiment_score":0.46022060784426605}],"sentiment":"positive","sentiment_score":0.3756760197877884,"channel":0,"num_words":25,"start":673.74,"end":679.66003},{"sentences":[{"text":"Just keep an eye on it, and it'll be exactly the same.","start":679.66003,"end":682.38,"sentiment":"positive","sentiment_score":0.40261510759592056},{"text":"Just that one signature.","start":682.38,"end":683.66003,"sentiment":"positive","sentiment_score":0.36106806993484497},{"text":"If you are happy with it, it'll come through to me, and that tells me that you are happy with making those couple of investment changes, and we can answer that.","start":683.66003,"end":692.685,"sentiment":"positive","sentiment_score":0.5908621847629547},{"text":"But if you have any questions, like I said, when you read through it, just give me a call as well.","start":692.685,"end":696.945,"sentiment":"neutral","sentiment_score":0.18818568757602147}],"sentiment":"positive","sentiment_score":0.4197688343770364,"channel":0,"num_words":68,"start":679.66003,"end":696.945},{"sentences":[{"text":"Yep.","start":696.995,"end":697.495,"sentiment":"neutral","sentiment_score":0.1669766902923584},{"text":"Too easy.","start":697.555,"end":698.295,"sentiment":"neutral","sentiment_score":0.32218627631664276}],"sentiment":"neutral","sentiment_score":0.2704497476418813,"channel":1,"num_words":3,"start":696.995,"end":698.295},{"sentences":[{"text":"Yep.","start":697.9,"end":698.4,"sentiment":"neutral","sentiment_score":0.2803817391395569},{"text":"Perfect.","start":698.62,"end":699.02,"sentiment":"positive","sentiment_score":0.6054089069366455},{"text":"Well, thank you so much for your time this morning, Wayne.","start":699.02,"end":700.94,"sentiment":"positive","sentiment_score":0.7105363797057759},{"text":"And if there's anything else that you need at any point in time, don't hesitate to give me a call.","start":700.94,"end":705.36,"sentiment":"neutral","sentiment_score":0.21903352215886115}],"sentiment":"positive","sentiment_score":0.3964351898793018,"channel":0,"num_words":33,"start":697.9,"end":705.36},{"sentences":[{"text":"Thank you very much.","start":705.39496,"end":706.34094,"sentiment":"positive","sentiment_score":0.8201880007982254}],"sentiment":"positive","sentiment_score":0.8201880007982254,"channel":1,"num_words":4,"start":705.39496,"end":706.34094},{"sentences":[{"text":"No problem.","start":707.02,"end":707.58,"sentiment":"positive","sentiment_score":0.5105639100074768},{"text":"We'll speak soon.","start":707.58,"end":708.64,"sentiment":"positive","sentiment_score":0.3701366384824117}],"sentiment":"positive","sentiment_score":0.42630754709243773,"channel":0,"num_words":5,"start":707.02,"end":708.64},{"sentences":[{"text":"Okay.","start":708.66095,"end":709.1409,"sentiment":"neutral","sentiment_score":0.24138443171977997},{"text":"Bye.","start":709.1409,"end":709.6409,"sentiment":"neutral","sentiment_score":0.1880568116903305}],"sentiment":"neutral","sentiment_score":0.21472062170505524,"channel":1,"num_words":2,"start":708.66095,"end":709.6409},{"sentences":[{"text":"Bye.","start":709.98,"end":710.48,"sentiment":"neutral","sentiment_score":-0.11383448541164398}],"sentiment":"neutral","sentiment_score":-0.11383448541164398,"channel":0,"num_words":1,"start":709.98,"end":710.48}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and an investment company provided updates to Wayne's investment portfolio, including reducing risk exposure and reducing fees. The proposed portfolio outperforms the customer's current portfolio, with growth investments down to 85.com%. The agent also discussed retirement income and advised Wayne on signing documents digitally. The reduced risk exposure and reduced fees are expected to result in a lower risk of investment and a lower risk of investment for Wayne."},"intents":{"segments":[{"text":"I had you booked in for a catch up. It is pretty quick today just to kind of discuss the the research I did on your super investment. So is now still a good time? Yeah.","start_word":20,"end_word":55,"intents":[{"intent":"Discuss investment","confidence_score":0.12574925}]},{"text":"Now, Wayne, do you have access to your emails at the moment? Not at the moment.","start_word":130,"end_word":145,"intents":[{"intent":"Check access","confidence_score":0.035997402}]},{"text":"a lot of it is just for compliance purposes. Again, it is just an updated statement of advice of the conversation we literally had last year as well. I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time. So, basically, from the research, it is still the same recommendation as last year. That Mhmm.","start_word":251,"end_word":332,"intents":[{"intent":"Discuss recommendations","confidence_score":0.032374084}]},{"text":"Again, it is just an updated statement of advice of the conversation we literally had last year as well. I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time. So, basically, from the research, it is still the same recommendation as last year. That Mhmm.","start_word":260,"end_word":332,"intents":[{"intent":"Update advisory","confidence_score":0.00022107478}]},{"text":"And what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little bit.","start_word":425,"end_word":455,"intents":[{"intent":"Make recommendations","confidence_score":0.000063764914},{"intent":"Reduce risk tolerance","confidence_score":0.851257},{"intent":"Calculate risk levels","confidence_score":0.0006934649}]},{"text":"So do you remember that at the moment, we have you in a high growth portfolio? Yep.","start_word":456,"end_word":472,"intents":[{"intent":"Arrange portfolio updates","confidence_score":0.00010519138},{"intent":"Adjust portfolios","confidence_score":0.000040264145}]},{"text":"So when you have a moment later, you will see on page 16, it will show you a asset allocation. So Yep.","start_word":577,"end_word":598,"intents":[{"intent":"Display asset allocation","confidence_score":0.008136056}]},{"text":"Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth.","start_word":954,"end_word":1034,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.032761626}]},{"text":"It is only about 0.52%, though, when we are looking at a five year time frame. So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do.","start_word":1036,"end_word":1077,"intents":[{"intent":"Reduce risk","confidence_score":0.18015735},{"intent":"Reduce risk","confidence_score":0.01700461},{"intent":"Discuss investment","confidence_score":0.086705774}]},{"text":"Now I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change. So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you.","start_word":1183,"end_word":1263,"intents":[{"intent":"Maintain minimum tax","confidence_score":0.00091440283},{"intent":"Swap investments","confidence_score":0.70752794}]},{"text":"I have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you. So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments. So same as last time.","start_word":1414,"end_word":1477,"intents":[{"intent":"Provide investment information","confidence_score":0.008450679}]},{"text":"The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment.","start_word":1540,"end_word":1573,"intents":[{"intent":"Provide retirement calculator","confidence_score":0.049272683}]},{"text":"So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it. And at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well.","start_word":1589,"end_word":1648,"intents":[{"intent":"Provide retirement information","confidence_score":0.0024268918}]},{"text":"So there's just some information in regards to that for you. And the last thing is just that ongoing advice fee. So like I said during the annual review, no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65.","start_word":1749,"end_word":1793,"intents":[{"intent":"Educate about fee structure","confidence_score":0.0091622975}]}]},"sentiments":{"segments":[{"text":"Hello? Ryan speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.030624037608504295},{"text":"Good morning, Wayne.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.35003453493118286},{"text":"This is Veronica from Oakview Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.23438291251659393},{"text":"Good. Thank you. That's good. I had you booked in for a catch up. It is pretty quick today just to kind of discuss the the research I did on your super investment.","start_word":15,"end_word":47,"sentiment":"positive","sentiment_score":0.4515715539455414},{"text":"So is now still a good time? Yeah. Yep. Yeah.","start_word":48,"end_word":57,"sentiment":"neutral","sentiment_score":0.2005837559700012},{"text":"Perfect.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.4556763172149658},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes as well, we do have Mhmm. a password on file for you. Do you know where that might be? Bonnie. Yeah. No. Beautiful. And how's your morning been? Been busy? Slow start. No. That's nice, though. Now, Wayne, do you have access to your emails at the moment? Not at the moment. Sorry. Nope. That's okay. Now because it is pretty straightforward today, and we have kind of already gone through all of this at the end of last year when I did the research, and it was just kind of reassessing everything because it did expire. And I know you had a bit of issues signing it.","start_word":59,"end_word":201,"sentiment":"neutral","sentiment_score":0.05504404753446579},{"text":"So I'm happy to just kind of go through any quick Mhmm.","start_word":202,"end_word":213,"sentiment":"positive","sentiment_score":0.3750865161418915},{"text":"changes. And then when you have a moment later, have a look through them. If you have any questions, you can always let me know. Is that okay? Yep. Yep. Yes, ma'am. It's Yep.","start_word":214,"end_word":247,"sentiment":"neutral","sentiment_score":0.16750769317150116},{"text":"Perfect.","start_word":248,"end_word":248,"sentiment":"positive","sentiment_score":0.3346436023712158},{"text":"Now okay. a lot of it is just for compliance purposes. Again, it is just an updated statement of advice of the conversation we literally had last year as well. I have updated the research just to make sure that the recommendation is still going to be the best option for you, and then just updated some of the figures and stuff as well just because of time. So, basically, from the research, it is still the same recommendation as last year. That Mhmm.","start_word":249,"end_word":332,"sentiment":"neutral","sentiment_score":0.11226805299520493},{"text":"hasn't changed, which which is great. So I did reassess your Netwealth account again just to make sure it's still a a good option for you because there are always new features and stuff that comes out and new products.","start_word":333,"end_word":372,"sentiment":"positive","sentiment_score":0.37904345989227295},{"text":"So it is good to just check-in every now and then to make sure. But at the moment, it's still very much the best option for you when we are factoring in, you know, potential capital gains tax and fees and investment choices. So not making any changes to your net wealth. And what I have recommended, though, it is just a couple of changes to your investments, and that is predominantly as we wanted to, reduce your risk tolerance a little bit. So do you remember that at the moment, we have you in a high growth portfolio? Yep. Yep. And it was very suitable. But, obviously, as you are getting closer to retirement, in that high growth portfolio, we do ideally want to see that eight plus years to retirement because you are going to see a lot more fluctuations in the market short term. And the growth portfolio is just that one step down. We are looking ideally retirement age about six years or so, which does align a little bit more with with your time frame what you told me last time. So Mhmm. what that will mean is that you are actually reducing your risk exposure, which is great. So when you have a moment later, you will see on page 16, it will show you a asset allocation. So Yep. it will show you your portfolio. Now your existing portfolio at the moment sees about 97.87% in your growth investments. So that's like your Australian equity, international equity, and property. And these Mhmm. are the ones that long term will grow more, but they will also fluctuate more as well. And I would hate for when you want to access your super if it's a bit of a dip in the market or you're seeing a lot of fluctuations, we obviously wanna gradually start reducing that risk exposure. Do you kind of remember that conversation as well? Oh, I do. Yes. Yes. Yep.","start_word":373,"end_word":701,"sentiment":"neutral","sentiment_score":0.0830658781809285},{"text":"Beautiful.","start_word":702,"end_word":702,"sentiment":"positive","sentiment_score":0.6822836399078369},{"text":"So the proposed portfolio, it is the same one as last time.","start_word":703,"end_word":714,"sentiment":"neutral","sentiment_score":0.32507967948913574},{"text":"It will see your growth investment down to about 85.14%.","start_word":715,"end_word":724,"sentiment":"positive","sentiment_score":0.3506559431552887},{"text":"So because you still have a little bit of time, obviously, until you wanna access your super, the focus is still to growing that as much as possible so that you do have more in your super when you wanna retire. But we wanna reduce that risk exposure a little bit. And for your defensive, instead of it now being about 2.13, obviously quite low in defensive, the proposed fee is about 14.86 in defensive. So Mhmm. what that means is that you will have a little bit less fluctuations and movement in the market as a result, which is great, but long term, the returns can be not as great either. So what I have put in the SOA there for you, it is just showing you what that looks like in terms of all the the fees and the fee comparison and the returns as well. So that is page 13 when you have a look at it. Now I'll try to make it easy because sometimes if I just rattle a bunch of numbers, it's hard if you can't see it.","start_word":725,"end_word":908,"sentiment":"neutral","sentiment_score":0.1467499881982803},{"text":"But, essentially, by reducing the risk for you, which is the main purpose, you are saving a little bit on fees, which is great. So it is about $82 per year.","start_word":909,"end_word":939,"sentiment":"positive","sentiment_score":0.3750835359096527},{"text":"So not massive, but it still makes a little bit of a difference. Mhmm. Now when we are looking at a five year rolling average, which is often what we look at to give us a bit more certainty of the the market and the portfolio, over this five year period, because at the moment, you are taking on more risk, the performance is a little bit better than when we are reducing it down to a risk into a growth portfolio, which is which is natural because you are seeing less investment in growth. It is only about 0.52%, though, when we are looking at a five year time frame. So it's not that great, but the biggest thing is that we are reducing the risk exposure for you, which is what we aim to do. On the plus side, though, when we are looking a little bit more short term, the recommended portfolio so if we're looking at the last twelve months, which has seen, obviously, a little bit of fluctuations like we touched on last time, in the the twelve month period, so when we are looking a little bit shorter, the recommended portfolio, even though we are reducing that risk down for you, it has outperformed your current one even though at the moment you are taking on more risk. So that is correct. Yep. Does that make sense, Wayne? Yeah. It does. Yes.","start_word":940,"end_word":1177,"sentiment":"neutral","sentiment_score":0.1756800843261871},{"text":"It certainly Yep. does. Beautiful.","start_word":1178,"end_word":1182,"sentiment":"positive","sentiment_score":0.4114726483821869},{"text":"Now I do wanna let you know as well that when we are making investment changes, so when we are selling investment, especially if they have gone up, there will be some capital gains tax when we do make a change. So we're trying to keep it as low as possible for you, but we wanted to sure that we still swap out the investments if there was any that was underperforming and diversifying things a little bit further for you. So it does change on a daily. But when we did the calculation, it will be estimated at around $776, just so that you are aware. Yep. Mhmm. Now that is paid from within Supers. It's not something you have to pay, but just so that you are aware that when we do, obviously, swap and change investments, there will be a little bit of tax as a result as well. Does that all make sense as well? Yep. No. It's all good. Yep. Yep.","start_word":1183,"end_word":1348,"sentiment":"neutral","sentiment_score":0.10282068699598312},{"text":"Perfect.","start_word":1349,"end_word":1349,"sentiment":"positive","sentiment_score":0.3366331160068512},{"text":"Now when it comes to actually the investments, like I said, it is exactly the same as last time. Do you want me to go over the investment again with you, or do you feel No. pretty No. confident That's from there?","start_word":1350,"end_word":1391,"sentiment":"neutral","sentiment_score":0.020327992737293243},{"text":"that's all good. Perfect. It is all in there.","start_word":1392,"end_word":1400,"sentiment":"positive","sentiment_score":0.6403247117996216},{"text":"They're on page 15 if you wanna have a look at it again. I have highlighted in red what we are selling and what's black is what we are either keeping in your portfolio or actually buying you. So you will see that some of your investments like your gold, we are keeping we're increasing that exposure a little bit for you, and we are keeping quite a few of the investments. So same as last time. And if it is that you would like to go and have a look at the investments in more detail yourself, in the appendix, which is the second attachment, I have included investment links for these there for you. So if it is that you wanna go and have a read over it, you are more than welcome to. Yep. Yep.","start_word":1401,"end_word":1538,"sentiment":"neutral","sentiment_score":0.1782580465078354},{"text":"Perfect.","start_word":1539,"end_word":1539,"sentiment":"positive","sentiment_score":0.4677998721599579},{"text":"The last thing actually, two more things is I have also included a bit of a retirement income calculator for you just to show you kind of where things are at at the moment. And I know we were kind of aiming for a weekly income of around $500. So I have shown you a bit of a projection that if you decide to retire at 65 and you want to draw 500 from super, it shows you that you you can do it. And at the moment, you are on track to be able to do it, especially with the age pension kicking in at 67 as well. So Yep. it does show you a bit of a projection that you can actually take out a little bit more if needed, and then that will be supplemented the way things are looking currently with the age pension. But we can obviously reassess that as you get a bit closer to that time frame. Nope. That's all. And Transcript. then, yeah, I have also just included again just some information in regards to your will and power of attorney. Like I said last time, I do always recommend everyone to have a bit of a think about it. So there's just some information in regards to that for you. And the last thing is just that ongoing advice fee. So like I said during the annual review, no changes whatsoever in regards to that fee structure. That stays exactly the same at 1.65. Now, Wayne, do you have any questions for me? Well, that was pretty straightforward because I know we've kind of gone gone through it already. Mhmm. Not a little old, actually, it seems. Yep.","start_word":1540,"end_word":1826,"sentiment":"neutral","sentiment_score":0.148318604829004},{"text":"Perfect.","start_word":1827,"end_word":1827,"sentiment":"positive","sentiment_score":0.4346951842308045},{"text":"So, basically, from here, obviously, when you have a bit more time and access to your emails, have a look through the documents. If you have any questions at all, just give me a call. If not, if you read through it and it all makes sense and you are happy with it, it would then be to sign the documents digitally. Now I know you had a bit of issues last time, so let me know how you go. I will keep a look at on the email as well. We have changed the software, so Mhmm. hopefully, this time, it's a little bit I easier. think I've done that one a few weeks ago on the weekend. K? It did. Well, Exactly. I presume it did So because I didn't hear it did. back, so I must have. No. It did. I saw that come through, so that worked.","start_word":1828,"end_word":1978,"sentiment":"neutral","sentiment_score":0.12210723757743835},{"text":"So that's great. So I'll keep a little look at it on my inbox. Just keep an eye on it, and it'll be exactly the same. Just that one signature. If you are happy with it, it'll come through to me, and that tells me that you are happy with making those couple of investment changes, and we can answer that.","start_word":1979,"end_word":2039,"sentiment":"positive","sentiment_score":0.5169942378997803},{"text":"But if you have any questions, like I said, when you read through it, just give me a call as well. Yep. Too easy. Yep.","start_word":2040,"end_word":2064,"sentiment":"neutral","sentiment_score":0.20313769578933716},{"text":"Perfect. Well, thank you so much for your time this morning, Wayne.","start_word":2065,"end_word":2076,"sentiment":"positive","sentiment_score":0.7289049625396729},{"text":"And if there's anything else that you need at any point in time, don't hesitate to give me a call.","start_word":2077,"end_word":2096,"sentiment":"neutral","sentiment_score":0.21347208321094513},{"text":"Thank you very much. No problem. We'll speak soon.","start_word":2097,"end_word":2105,"sentiment":"positive","sentiment_score":0.5569009184837341},{"text":"Okay. Bye. Bye.","start_word":2106,"end_word":2108,"sentiment":"neutral","sentiment_score":0.18552878499031067}],"average":{"sentiment":"neutral","sentiment_score":0.16751088557309818}}}}