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Or oh, no. I'm so sorry to hear that. I had you booked in just to run through your updated statement of advice. Is now still a good time to go through that with you? Yeah. That's okay. Now I know you are driving. I can hear you in the car at the moment. I have sent your document through to you via email there. I'm not gonna ask you to have a look at it now, but I'll go through the recommendations as easily as possible for you to give you an update and touch on the things I need to touch on for you. And then you can go back and have a bit of a look at it later on to make it a bit clearer for yourself. Is that okay? Fantastic, Lisa. So on the front of the document, we do know it has been prepared for yourself. The date of the document being prepared is the 07/30/2026. Just for your reference, all of our advice is valid for sixty days from the date on the document there. And on the bottom of the front page, it also has my authorized representative number as a licensed adviser. I'm registered with Assika. My number is 1304394. Okay? Now nice and simply for you, essentially, this document we were looking at as per our last call, just having a look at your superannuation. So we had sorta noted in the last step there has been some underperforming investments that we've run back and had a review of your super and the underlying investments to see if we can put you in a portfolio that's working a bit harder for you and making sure everything is working towards your goal. Your goal last time we spoke was that you were hoping to retire by about age 65. Is that still appropriate for you? Yeah. Yeah. No. That's okay. So you were made redundant back in March. Have you received the redundancy? Is it still to come? What's sort of happening with that one? You have? All good. And are you still looking, moving forward at, obtaining a new role? Have you started a new role? Is there any kind of, update on sorry. Yep. Yep. Okay. Oh, fantastic. Oh, fantastic. And with the new income that you'd be receiving on a regular basis, because with your last job we had, you noted last time as income about 75,000, is your income expected to be higher or lower than that, do you think? Yep. Yep. Yeah. That's okay. Not a problem. With the advice we had sort of factored in income at your last income estimate, if you did want to want me to review that, absolutely can. It's not a problem at all. But it's just a bit of a guide on unexpected contributions there for you as well. I certainly hope that you, you know, do earn certainly more than that. You're definitely worth it. All good. Easy. And with the the money you received, is that still sitting in your bank account? Did you have any kind of guide on what you wanted to do with those funds down the track? Are you sort of just sitting on them as a buffer? Yep. Yep. Perfect. And do you what are your sort of plans moving forward with those funds when that matures? Yep. Yep. Yep. Buffer. Yeah. Beautiful. No. That's fantastic. And how much do you have sitting in it at the moment in your savings as a buffer? Beautiful. Excellent. Lovely. But yep. Yep. Beautiful. Thank you for updating that there for me. Excellent. Essentially, I don't see any major changes to the overall advice to provide. It's more just around the contribution side of things, but I could always just go back and update the advice to remove the contributions there for you just to show to show you if with making the changes, if you weren't to receive contributions, after the the contract has ended, and then this is where we can sort of see see your super tracking for in the future. But it all just sort of comes down to whether that contract's likely to continue or not, which is probably a bit unknown. What I'd probably like to do is the advice can remain appropriate for now. No major changes because I would probably like to catch up with you before the end end of your contract to see are there any additional major changes? Is it likely to continue, or are you likely to not have that contract after that period ends? And then we can always look at what to do moving forward. You're right. Sorry. Yep. Yep. Okay. Not a problem at all. Yeah. Excellent. So, realistically, the advice I'm gonna give you now is completely appropriate. I'll add something into my calendar that we can touch base maybe early December to have that conversation, look at what could be changing after that point for you, and then look at whether we need to update the advice or make any changes to your circumstances to reflect. Does that sound okay? Yeah. Beautiful. A lot of unknowns for you at the moment. I'm so sorry. Yeah. Yeah. Yeah. Absolutely. Yeah. No. Fantastic. Well, that is good to hear, and I'm very, very glad that you're in a good position with that. And we'll just make sure we do do catch ups moving forward to update your circumstances as we need to and look at what we need to do to help you. Okay? Excellent. Fantastic. Now, Lisa, as I kinda mentioned, I did go back and look at your super. I am recommending that we do retain your hub twenty four super account. I did look at moving to other funds and cheaper funds and things like that. However, retaining hub twenty four did work out more into your best interest just because selling down everything and moving to a new fund adds complexity, but it also increases the capital gains that your super fund has to pay for you. So retaining your fund and switching investors within the fund did work out more appropriate. With the investments, one of the investments we sort of talked about when we caught up a few months back was the Benelon Australian Equities. Do you remember we sort of talked about how that fund was underperforming? Yeah. So what I'm recommending is that we definitely sell that fund off. We have, as I said, been underperforming. We don't want you to be in any underperforming investments there. But I'm also making a recommendation that we update the portfolio as a whole as well because for the portfolio that you were in back when you came on board, whilst has done very well and put you in a really great position, it's important to keep updating that as time changes as well. So what you'll see when you do look at the advice document, I am making a recommendation that we sell off some of the investments. We're gonna sell off the Benelong Australian Equities, the ClearBridge Infrastructure Fund, the Bank hybrids because they being phased out by the government down the track there as well, the global agriculture. The physical goal we wanna keep, but we're gonna rebalance it back a little bit. You've had some really great growth in that area, and we just wanna cement some of the gains and have the the the capital gains reinvested into other areas for you. We are keeping cybersecurity by just rebalancing it back a little bit. You're a bit overexposed in that at the moment. And then with the s and p 500, we wanna keep that exposure and buy some more of it. We're also then going to buy into some Europeans and Japanese and some all world exposure. So one of the big things with your portfolio is to diversify. One of the best ways to to mitigate market risk is to diversify over different asset classes in different countries. So we're adding some European, some Japanese exposure, and the Vanguard all world index as well. That way you're getting exposure across the entire globe there. Because we are removing the Ben along Australian Equities investment, which is the one that's underperformed, we still wanna keep some Australian exposure. So we're gonna replace that with the BetaShares a 200. It's essentially giving you exposures to the top 200 con companies on the ASX. So it's giving you, again, more diversification. It's a much cheaper investment as well, so it helps to reduce the cost of your investment portfolio. Okay? And then the last change we're going the last change we're going to make is because we are removing the bank hybrids there, we wanna keep some lower risk defensive investments. So we're gonna make your defensive component in the core composite bonds, so giving you access to both government and corporate bonds there. I won't go too deep into that. I try to keep it as easy as possible. When you have a look at page number 17 of the advice document, turn your eyes over it. All the red is what we're selling. All the green is what we're buying, and the last column will show you how much we expect you to have invested in that portfolio once we've made that change. Okay? Excellent. If you when you look at that bit later, if you do have any questions, email me back and let me know or give me a call, and I'll happily explain it to you in a lot more detail. It is really important that I don't wanna overcomplicate it for you, but just make you so that we touch on the areas that we need to at the same time. One of the the reasons that we do wanna make this change is that when we have a look at your portfolio that you're currently in, it has been performing nicely. However, the newer portfolio actually saves you an investment fee. So as I kinda mentioned, it's a bit cheaper. When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings. That's more money staying in your super fund invested for you for your longer term. There's no change to the insurances. We're keeping the insurances exactly as they are with your current life and TBD, and we're not looking at getting any new income protection or trauma at this time. One of the things is sort of meant that you are happy with that level of cover. If at any point you wanted to reevaluate that, you just let me know. Okay? Excellent. The other thing to sort of make mention of is that your the current portfolio. When we kind of look at the past performance of the investments, the current portfolio has averaged about 9.78% on a yearly basis there, which is absolutely great. However, when we look at the past performance of the newer portfolio, it's averaged the higher rate of return. So the last five year rolling average, it's averaged about 11.57%. So when you sort of factor in contributions, the insurance premiums, and the savings with regards to the investments, we can sort of see over the next five to ten years, we would expect you to be in a much greater position. So that's also the reason why we are looking to make the change with the investments there. Okay? Excellent. I do have to let you know there is obviously a CGT effect. So when we do look at the research, we also note that there is a a capital gains or a tax consequence there. Just like you, your super fund does a tax return every year. And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156. So that taxation would be covered for all inside super. It doesn't have any effect on you personally, but it means that your super fund does pay the tax consequence based on the change. Does that make sense? Yeah. Beautiful. The only other thing to kinda make mention is we also looked at the estate planning side of things. So one of the things that you wanted to sort of make sure was that your beneficiary was set up in line to make sure that it could be paid to your children in the most tax advantage way. So the what I've actually set up, because your kids are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative. This essentially means that by updating this in the event of you, say, passing away, your super is paid to your estate. We just need to make sure you have a will that is up to date and reflective, and then your super can be paid out to your beneficiaries in a more tax effective way through your state. Essentially, by nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%. So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive. So it's a much more tax effective way. And directing it through your will, you have a lot more control around how you want it paid, who to, what amounts, and it all gets lumped in with all your other assets as well to make it a bit easier. Does that make sense? Yeah. Absolutely. Absolutely. Look. What I'll let let you to do, go back and have a bit of a read of the documents there. I know it is a lot and not looking at it, it can sort of seem like I'm talking at you. So feel free to go back and have a look at that in your email there. If you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well. Does that sound okay? Yeah. Oh, are you okay? Right. Yep. Absolutely. So sorry. So when they booked this one in with you, was that something you've that that was kinda confirmed? Was it because it's been booked in for 05:00 Queensland time, and I do absolutely apologize for that. Yes. Perfect. Perfect. So sorry about that, Lisa. Look. I will let you go, and I thank you so much for your time. Feel free to have a look through the document and let me know, and I'll make sure that that note is there, that it's always 5PM per four 04:00 past time, no earlier. Is that right? Yep. Perfect. I will have that updated for you. I do apologize for the miscommunication there. Thank you so much. I hope you have a good day. I hope everything goes okay with your with your dog in the appointment. Oh, the cone ish shave. I love the way you put that. I love it. I love it. Well, I will let you go because I can hear you're there and ready to go. And I thank you so much for calling back and taking my call. I really, really appreciate that. Thanks, Lisa. Talk soon. 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Good afternoon, Lisa. This is Dana. How are you? I'm very well.\n\nThank you. How's your day been? Yeah. Oh, I'm so sorry to hear that. Have you finished for the day?\n\nAre you on your way home? Or oh, no. I'm so sorry to hear that. I had you booked in just to run through your updated statement of advice. Is now still a good time to go through that with you?\n\nYeah. That's okay. Now I know you are driving. I can hear you in the car at the moment. I have sent your document through to you via email there.\n\nI'm not gonna ask you to have a look at it now, but I'll go through the recommendations as easily as possible for you to give you an update and touch on the things I need to touch on for you. And then you can go back and have a bit of a look at it later on to make it a bit clearer for yourself. Is that okay? Fantastic, Lisa. So on the front of the document, we do know it has been prepared for yourself.\n\nThe date of the document being prepared is the 07/30/2026. Just for your reference, all of our advice is valid for sixty days from the date on the document there. And on the bottom of the front page, it also has my authorized representative number as a licensed adviser. I'm registered with Assika. My number is 1304394.\n\nOkay? Now nice and simply for you, essentially, this document we were looking at as per our last call, just having a look at your superannuation. So we had sorta noted in the last step there has been some underperforming investments that we've run back and had a review of your super and the underlying investments to see if we can put you in a portfolio that's working a bit harder for you and making sure everything is working towards your goal. Your goal last time we spoke was that you were hoping to retire by about age 65. Is that still appropriate for you?\n\nYeah. Yeah. No. That's okay. So you were made redundant back in March.\n\nHave you received the redundancy? Is it still to come? What's sort of happening with that one? You have? All good.\n\nAnd are you still looking, moving forward at, obtaining a new role? Have you started a new role? Is there any kind of, update on sorry. Yep. Yep.\n\nOkay. Oh, fantastic. Oh, fantastic. And with the new income that you'd be receiving on a regular basis, because with your last job we had, you noted last time as income about 75,000, is your income expected to be higher or lower than that, do you think? Yep.\n\nYep. Yeah. That's okay. Not a problem. With the advice we had sort of factored in income at your last income estimate, if you did want to want me to review that, absolutely can.\n\nIt's not a problem at all. But it's just a bit of a guide on unexpected contributions there for you as well. I certainly hope that you, you know, do earn certainly more than that. You're definitely worth it. All good.\n\nEasy. And with the the money you received, is that still sitting in your bank account? Did you have any kind of guide on what you wanted to do with those funds down the track? Are you sort of just sitting on them as a buffer? Yep.\n\nYep. Perfect. And do you what are your sort of plans moving forward with those funds when that matures? Yep. Yep.\n\nYep. Buffer. Yeah. Beautiful. No.\n\nThat's fantastic. And how much do you have sitting in it at the moment in your savings as a buffer? Beautiful. Excellent. Lovely.\n\nBut yep. Yep. Beautiful. Thank you for updating that there for me. Excellent.\n\nEssentially, I don't see any major changes to the overall advice to provide. It's more just around the contribution side of things, but I could always just go back and update the advice to remove the contributions there for you just to show to show you if with making the changes, if you weren't to receive contributions, after the the contract has ended, and then this is where we can sort of see see your super tracking for in the future. But it all just sort of comes down to whether that contract's likely to continue or not, which is probably a bit unknown. What I'd probably like to do is the advice can remain appropriate for now. No major changes because I would probably like to catch up with you before the end end of your contract to see are there any additional major changes?\n\nIs it likely to continue, or are you likely to not have that contract after that period ends? And then we can always look at what to do moving forward. You're right. Sorry. Yep.\n\nYep. Okay. Not a problem at all. Yeah. Excellent.\n\nSo, realistically, the advice I'm gonna give you now is completely appropriate. I'll add something into my calendar that we can touch base maybe early December to have that conversation, look at what could be changing after that point for you, and then look at whether we need to update the advice or make any changes to your circumstances to reflect. Does that sound okay? Yeah. Beautiful.\n\nA lot of unknowns for you at the moment. I'm so sorry. Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. No. Fantastic. Well, that is good to hear, and I'm very, very glad that you're in a good position with that.\n\nAnd we'll just make sure we do do catch ups moving forward to update your circumstances as we need to and look at what we need to do to help you. Okay? Excellent. Fantastic. Now, Lisa, as I kinda mentioned, I did go back and look at your super.\n\nI am recommending that we do retain your hub twenty four super account. I did look at moving to other funds and cheaper funds and things like that. However, retaining hub twenty four did work out more into your best interest just because selling down everything and moving to a new fund adds complexity, but it also increases the capital gains that your super fund has to pay for you. So retaining your fund and switching investors within the fund did work out more appropriate. With the investments, one of the investments we sort of talked about when we caught up a few months back was the Benelon Australian Equities.\n\nDo you remember we sort of talked about how that fund was underperforming? Yeah. So what I'm recommending is that we definitely sell that fund off. We have, as I said, been underperforming. We don't want you to be in any underperforming investments there.\n\nBut I'm also making a recommendation that we update the portfolio as a whole as well because for the portfolio that you were in back when you came on board, whilst has done very well and put you in a really great position, it's important to keep updating that as time changes as well. So what you'll see when you do look at the advice document, I am making a recommendation that we sell off some of the investments. We're gonna sell off the Benelong Australian Equities, the ClearBridge Infrastructure Fund, the Bank hybrids because they being phased out by the government down the track there as well, the global agriculture. The physical goal we wanna keep, but we're gonna rebalance it back a little bit. You've had some really great growth in that area, and we just wanna cement some of the gains and have the the the capital gains reinvested into other areas for you.\n\nWe are keeping cybersecurity by just rebalancing it back a little bit. You're a bit overexposed in that at the moment. And then with the s and p 500, we wanna keep that exposure and buy some more of it. We're also then going to buy into some Europeans and Japanese and some all world exposure. So one of the big things with your portfolio is to diversify.\n\nOne of the best ways to to mitigate market risk is to diversify over different asset classes in different countries. So we're adding some European, some Japanese exposure, and the Vanguard all world index as well. That way you're getting exposure across the entire globe there. Because we are removing the Ben along Australian Equities investment, which is the one that's underperformed, we still wanna keep some Australian exposure. So we're gonna replace that with the BetaShares a 200.\n\nIt's essentially giving you exposures to the top 200 con companies on the ASX. So it's giving you, again, more diversification. It's a much cheaper investment as well, so it helps to reduce the cost of your investment portfolio. Okay? And then the last change we're going the last change we're going to make is because we are removing the bank hybrids there, we wanna keep some lower risk defensive investments.\n\nSo we're gonna make your defensive component in the core composite bonds, so giving you access to both government and corporate bonds there. I won't go too deep into that. I try to keep it as easy as possible. When you have a look at page number 17 of the advice document, turn your eyes over it. All the red is what we're selling.\n\nAll the green is what we're buying, and the last column will show you how much we expect you to have invested in that portfolio once we've made that change. Okay? Excellent. If you when you look at that bit later, if you do have any questions, email me back and let me know or give me a call, and I'll happily explain it to you in a lot more detail. It is really important that I don't wanna overcomplicate it for you, but just make you so that we touch on the areas that we need to at the same time.\n\nOne of the the reasons that we do wanna make this change is that when we have a look at your portfolio that you're currently in, it has been performing nicely. However, the newer portfolio actually saves you an investment fee. So as I kinda mentioned, it's a bit cheaper. When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings. That's more money staying in your super fund invested for you for your longer term.\n\nThere's no change to the insurances. We're keeping the insurances exactly as they are with your current life and TBD, and we're not looking at getting any new income protection or trauma at this time. One of the things is sort of meant that you are happy with that level of cover. If at any point you wanted to reevaluate that, you just let me know. Okay?\n\nExcellent. The other thing to sort of make mention of is that your the current portfolio. When we kind of look at the past performance of the investments, the current portfolio has averaged about 9.78% on a yearly basis there, which is absolutely great. However, when we look at the past performance of the newer portfolio, it's averaged the higher rate of return. So the last five year rolling average, it's averaged about 11.57%.\n\nSo when you sort of factor in contributions, the insurance premiums, and the savings with regards to the investments, we can sort of see over the next five to ten years, we would expect you to be in a much greater position. So that's also the reason why we are looking to make the change with the investments there. Okay? Excellent. I do have to let you know there is obviously a CGT effect.\n\nSo when we do look at the research, we also note that there is a a capital gains or a tax consequence there. Just like you, your super fund does a tax return every year. And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156. So that taxation would be covered for all inside super. It doesn't have any effect on you personally, but it means that your super fund does pay the tax consequence based on the change.\n\nDoes that make sense? Yeah. Beautiful. The only other thing to kinda make mention is we also looked at the estate planning side of things. So one of the things that you wanted to sort of make sure was that your beneficiary was set up in line to make sure that it could be paid to your children in the most tax advantage way.\n\nSo the what I've actually set up, because your kids are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative. This essentially means that by updating this in the event of you, say, passing away, your super is paid to your estate. We just need to make sure you have a will that is up to date and reflective, and then your super can be paid out to your beneficiaries in a more tax effective way through your state. Essentially, by nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%. So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive.\n\nSo it's a much more tax effective way. And directing it through your will, you have a lot more control around how you want it paid, who to, what amounts, and it all gets lumped in with all your other assets as well to make it a bit easier. Does that make sense? Yeah. Absolutely.\n\nAbsolutely. Look. What I'll let let you to do, go back and have a bit of a read of the documents there. I know it is a lot and not looking at it, it can sort of seem like I'm talking at you. So feel free to go back and have a look at that in your email there.\n\nIf you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well. Does that sound okay? Yeah. Oh, are you okay? Right.\n\nYep. Absolutely. So sorry. So when they booked this one in with you, was that something you've that that was kinda confirmed? Was it because it's been booked in for 05:00 Queensland time, and I do absolutely apologize for that.\n\nYes. Perfect. Perfect. So sorry about that, Lisa. Look.\n\nI will let you go, and I thank you so much for your time. Feel free to have a look through the document and let me know, and I'll make sure that that note is there, that it's always 5PM per four 04:00 past time, no earlier. Is that right? Yep. Perfect.\n\nI will have that updated for you. I do apologize for the miscommunication there. Thank you so much. I hope you have a good day. I hope everything goes okay with your with your dog in the appointment.\n\nOh, the cone ish shave. I love the way you put that. I love it. I love it. Well, I will let you go because I can hear you're there and ready to go.\n\nAnd I thank you so much for calling back and taking my call. I really, really appreciate that. Thanks, Lisa. Talk soon. See you later.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.04,"end":1.28,"sentiment":"neutral","sentiment_score":0.2598850727081299},{"text":"Good afternoon, Lisa.","start":1.28,"end":2.1599998,"sentiment":"positive","sentiment_score":0.48397507270177204},{"text":"This is Dana.","start":2.1599998,"end":3.04,"sentiment":"positive","sentiment_score":0.46310463547706604},{"text":"How are you?","start":3.04,"end":3.9399998,"sentiment":"positive","sentiment_score":0.38778045773506165},{"text":"I'm very well.","start":7.12,"end":8.24,"sentiment":"positive","sentiment_score":0.6927913029988607}],"sentiment":"positive","sentiment_score":0.48791072918818545,"num_words":13,"start":1.04,"end":8.24},{"sentences":[{"text":"Thank you.","start":8.24,"end":8.639999,"sentiment":"positive","sentiment_score":0.7359565496444702},{"text":"How's your day been?","start":8.639999,"end":9.86,"sentiment":"positive","sentiment_score":0.39100130647420883},{"text":"Yeah.","start":12.88,"end":13.065,"sentiment":"neutral","sentiment_score":0.12079039961099625},{"text":"Oh, I'm so sorry to hear that.","start":14.264999,"end":15.785,"sentiment":"neutral","sentiment_score":-0.20632897264191083},{"text":"Have you finished for the day?","start":15.785,"end":16.904999,"sentiment":"neutral","sentiment_score":-0.12863641480604807}],"sentiment":"neutral","sentiment_score":0.04702937137335539,"num_words":20,"start":8.24,"end":16.904999},{"sentences":[{"text":"Are you on your way home?","start":16.904999,"end":18.185,"sentiment":"neutral","sentiment_score":-0.07945289959510167},{"text":"Or oh, no.","start":18.185,"end":26.185,"sentiment":"neutral","sentiment_score":-0.14266238113244376},{"text":"I'm so sorry to hear that.","start":26.185,"end":27.8,"sentiment":"negative","sentiment_score":-0.3406064361333847},{"text":"I had you booked in just to run through your updated statement of advice.","start":27.88,"end":31.32,"sentiment":"neutral","sentiment_score":-0.061848126884017675},{"text":"Is now still a good time to go through that with you?","start":31.32,"end":33.82,"sentiment":"neutral","sentiment_score":0.040307591358820595}],"sentiment":"neutral","sentiment_score":-0.08123233750825976,"num_words":41,"start":16.904999,"end":33.82},{"sentences":[{"text":"Yeah.","start":36.12,"end":36.44,"sentiment":"neutral","sentiment_score":0.09516134858131409},{"text":"That's okay.","start":36.44,"end":37.08,"sentiment":"neutral","sentiment_score":0.17973700910806656},{"text":"Now I know you are driving.","start":37.08,"end":38.36,"sentiment":"neutral","sentiment_score":0.043379148468375206},{"text":"I can hear you in the car at the moment.","start":38.36,"end":39.96,"sentiment":"neutral","sentiment_score":0.019757917895913125},{"text":"I have sent your document through to you via email there.","start":39.96,"end":43.1,"sentiment":"neutral","sentiment_score":0.07895400205796416}],"sentiment":"neutral","sentiment_score":0.05936611530681451,"num_words":30,"start":36.12,"end":43.1},{"sentences":[{"text":"I'm not gonna ask you to have a look at it now, but I'll go through the recommendations as easily as possible for you to give you an update and touch on the things I need to touch on for you.","start":43.775,"end":53.235,"sentiment":"neutral","sentiment_score":0.15681684062611767},{"text":"And then you can go back and have a bit of a look at it later on to make it a bit clearer for yourself.","start":53.455,"end":57.855,"sentiment":"neutral","sentiment_score":0.08613877773284911},{"text":"Is that okay?","start":57.855,"end":58.755,"sentiment":"neutral","sentiment_score":0.05244853844245275},{"text":"Fantastic, Lisa.","start":61.43,"end":62.469997,"sentiment":"positive","sentiment_score":0.6392834186553955},{"text":"So on the front of the document, we do know it has been prepared for yourself.","start":62.469997,"end":66.17,"sentiment":"neutral","sentiment_score":0.16576701309531927}],"sentiment":"neutral","sentiment_score":0.1456453398983369,"num_words":87,"start":43.775,"end":66.17},{"sentences":[{"text":"The date of the document being prepared is the 07/30/2026.","start":66.63,"end":70.229996,"sentiment":"neutral","sentiment_score":0.10099427103996277},{"text":"Just for your reference, all of our advice is valid for sixty days from the date on the document there.","start":70.229996,"end":75.049995,"sentiment":"neutral","sentiment_score":0.1423353984951973},{"text":"And on the bottom of the front page, it also has my authorized representative number as a licensed adviser.","start":75.825005,"end":81.025,"sentiment":"neutral","sentiment_score":0.12841198358096576},{"text":"I'm registered with Assika.","start":81.025,"end":82.305,"sentiment":"neutral","sentiment_score":0.1101472545415163},{"text":"My number is 1304394.","start":82.305,"end":85.105,"sentiment":"neutral","sentiment_score":0.075615793466568}],"sentiment":"neutral","sentiment_score":0.12350053614691685,"num_words":57,"start":66.63,"end":85.105},{"sentences":[{"text":"Okay?","start":85.105,"end":85.605,"sentiment":"neutral","sentiment_score":0.0807555690407753},{"text":"Now nice and simply for you, essentially, this document we were looking at as per our last call, just having a look at your superannuation.","start":87.745,"end":94.37,"sentiment":"positive","sentiment_score":0.3898232227191329},{"text":"So we had sorta noted in the last step there has been some underperforming investments that we've run back and had a review of your super and the underlying investments to see if we can put you in a portfolio that's working a bit harder for you and making sure everything is working towards your goal.","start":94.83,"end":109.265,"sentiment":"neutral","sentiment_score":-0.10014165229430157},{"text":"Your goal last time we spoke was that you were hoping to retire by about age 65.","start":109.725006,"end":114.525,"sentiment":"neutral","sentiment_score":0.016377655898823458},{"text":"Is that still appropriate for you?","start":114.525,"end":118.86,"sentiment":"neutral","sentiment_score":0.009552029271920523}],"sentiment":"neutral","sentiment_score":0.043372723185235544,"num_words":105,"start":85.105,"end":118.86},{"sentences":[{"text":"Yeah.","start":118.86,"end":119.36,"sentiment":"neutral","sentiment_score":-0.01993725448846817},{"text":"Yeah.","start":121.18,"end":121.68,"sentiment":"neutral","sentiment_score":-0.08790574967861176},{"text":"No.","start":125.58,"end":125.82,"sentiment":"neutral","sentiment_score":-0.1759636402130127},{"text":"That's okay.","start":125.82,"end":126.72,"sentiment":"neutral","sentiment_score":-0.11644693836569786},{"text":"So you were made redundant back in March.","start":126.78,"end":129.58,"sentiment":"neutral","sentiment_score":-0.0917228702455759}],"sentiment":"neutral","sentiment_score":-0.09619103715969966,"num_words":13,"start":118.86,"end":129.58},{"sentences":[{"text":"Have you received the redundancy?","start":129.58,"end":131.04001,"sentiment":"neutral","sentiment_score":-0.06786987707018852},{"text":"Is it still to come?","start":131.235,"end":132.355,"sentiment":"neutral","sentiment_score":-0.047132603079080584},{"text":"What's sort of happening with that one?","start":132.355,"end":134.135,"sentiment":"neutral","sentiment_score":-0.07260790254388537},{"text":"You have?","start":135.635,"end":136.195,"sentiment":"neutral","sentiment_score":-0.007260722108185293},{"text":"All good.","start":136.195,"end":136.675,"sentiment":"neutral","sentiment_score":0.23239166289567947}],"sentiment":"neutral","sentiment_score":-0.030143135094216893,"num_words":21,"start":129.58,"end":136.675},{"sentences":[{"text":"And are you still looking, moving forward at, obtaining a new role?","start":136.675,"end":141.155,"sentiment":"neutral","sentiment_score":0.033375082459921636},{"text":"Have you started a new role?","start":141.155,"end":142.595,"sentiment":"neutral","sentiment_score":0.0004465860935548944},{"text":"Is there any kind of, update on sorry.","start":142.595,"end":149.65,"sentiment":"neutral","sentiment_score":-0.010196311865001917},{"text":"Yep.","start":150.51,"end":151.01,"sentiment":"neutral","sentiment_score":0.009725783951580524},{"text":"Yep.","start":154.99,"end":155.23,"sentiment":"neutral","sentiment_score":0.03628700599074364}],"sentiment":"neutral","sentiment_score":0.01312938575366778,"num_words":28,"start":136.675,"end":155.23},{"sentences":[{"text":"Okay.","start":155.23,"end":155.73,"sentiment":"neutral","sentiment_score":0.04846757650375366},{"text":"Oh, fantastic.","start":158.51,"end":159.41,"sentiment":"positive","sentiment_score":0.5256707668304443},{"text":"Oh, fantastic.","start":159.465,"end":159.94499,"sentiment":"positive","sentiment_score":0.4561708867549896},{"text":"And with the new income that you'd be receiving on a regular basis, because with your last job we had, you noted last time as income about 75,000, is your income expected to be higher or lower than that, do you think?","start":159.94499,"end":178.22,"sentiment":"neutral","sentiment_score":0.05959724865498997},{"text":"Yep.","start":178.68001,"end":179.18001,"sentiment":"neutral","sentiment_score":0.04946140572428703}],"sentiment":"neutral","sentiment_score":0.09509784860226016,"num_words":48,"start":155.23,"end":179.18001},{"sentences":[{"text":"Yep.","start":183.64,"end":183.855,"sentiment":"neutral","sentiment_score":0.1384354829788208},{"text":"Yeah.","start":187.935,"end":188.25499,"sentiment":"neutral","sentiment_score":0.12696722149848938},{"text":"That's okay.","start":188.25499,"end":188.97499,"sentiment":"neutral","sentiment_score":0.19062578678131104},{"text":"Not a problem.","start":188.97499,"end":189.69499,"sentiment":"neutral","sentiment_score":0.30116743842760724},{"text":"With the advice we had sort of factored in income at your last income estimate, if you did want to want me to review that, absolutely can.","start":189.69499,"end":198.095,"sentiment":"neutral","sentiment_score":0.24906938826596295}],"sentiment":"neutral","sentiment_score":0.24338323754422805,"num_words":34,"start":183.64,"end":198.095},{"sentences":[{"text":"It's not a problem at all.","start":198.095,"end":199.53,"sentiment":"positive","sentiment_score":0.35778240362803143},{"text":"But it's just a bit of a guide on unexpected contributions there for you as well.","start":200.01,"end":204.25,"sentiment":"neutral","sentiment_score":0.1892708227969706},{"text":"I certainly hope that you, you know, do earn certainly more than that.","start":204.25,"end":207.77,"sentiment":"positive","sentiment_score":0.41261225709548366},{"text":"You're definitely worth it.","start":207.77,"end":209.23,"sentiment":"positive","sentiment_score":0.734761506319046},{"text":"All good.","start":211.975,"end":213.015,"sentiment":"positive","sentiment_score":0.7472355961799622}],"sentiment":"positive","sentiment_score":0.36518302796090524,"num_words":41,"start":198.095,"end":213.015},{"sentences":[{"text":"Easy.","start":213.015,"end":213.41501,"sentiment":"positive","sentiment_score":0.4647347331047058},{"text":"And with the the money you received, is that still sitting in your bank account?","start":213.41501,"end":218.455,"sentiment":"neutral","sentiment_score":0.06486405345300833},{"text":"Did you have any kind of guide on what you wanted to do with those funds down the track?","start":218.455,"end":221.735,"sentiment":"neutral","sentiment_score":0.04092060068720266},{"text":"Are you sort of just sitting on them as a buffer?","start":221.735,"end":223.91501,"sentiment":"neutral","sentiment_score":0.012586107138882984},{"text":"Yep.","start":231.9,"end":232.4,"sentiment":"neutral","sentiment_score":0.08414706587791443}],"sentiment":"neutral","sentiment_score":0.0518676849438789,"num_words":47,"start":213.015,"end":232.4},{"sentences":[{"text":"Yep.","start":233.09999,"end":233.5,"sentiment":"neutral","sentiment_score":0.15296247601509094},{"text":"Perfect.","start":233.5,"end":234.0,"sentiment":"positive","sentiment_score":0.4434809982776642},{"text":"And do you what are your sort of plans moving forward with those funds when that matures?","start":234.29999,"end":249.285,"sentiment":"neutral","sentiment_score":0.07691825466120944},{"text":"Yep.","start":249.285,"end":249.785,"sentiment":"neutral","sentiment_score":0.046126917004585266},{"text":"Yep.","start":251.73,"end":252.23,"sentiment":"neutral","sentiment_score":0.05074115842580795}],"sentiment":"neutral","sentiment_score":0.09528199423636709,"num_words":21,"start":233.09999,"end":252.23},{"sentences":[{"text":"Yep.","start":252.45,"end":252.95,"sentiment":"neutral","sentiment_score":0.07747125625610352},{"text":"Buffer.","start":263.01,"end":263.51,"sentiment":"neutral","sentiment_score":0.02667681872844696},{"text":"Yeah.","start":266.61,"end":267.09,"sentiment":"neutral","sentiment_score":0.0868719220161438},{"text":"Beautiful.","start":267.09,"end":267.59,"sentiment":"neutral","sentiment_score":0.23180919885635376},{"text":"No.","start":267.865,"end":268.025,"sentiment":"neutral","sentiment_score":0.13926874101161957}],"sentiment":"neutral","sentiment_score":0.11241958737373352,"num_words":5,"start":252.45,"end":268.025},{"sentences":[{"text":"That's fantastic.","start":268.025,"end":268.845,"sentiment":"neutral","sentiment_score":0.3044404536485672},{"text":"And how much do you have sitting in it at the moment in your savings as a buffer?","start":269.06497,"end":273.085,"sentiment":"neutral","sentiment_score":0.05265036039054394},{"text":"Beautiful.","start":276.66498,"end":277.16498,"sentiment":"neutral","sentiment_score":0.23444724082946777},{"text":"Excellent.","start":277.865,"end":278.365,"sentiment":"neutral","sentiment_score":0.2449946105480194},{"text":"Lovely.","start":280.26,"end":280.76,"sentiment":"neutral","sentiment_score":0.2912898063659668}],"sentiment":"neutral","sentiment_score":0.10118778487262518,"num_words":23,"start":268.025,"end":280.76},{"sentences":[{"text":"But yep.","start":283.62,"end":284.36002,"sentiment":"neutral","sentiment_score":-0.00857473071664572},{"text":"Yep.","start":286.74002,"end":287.24002,"sentiment":"neutral","sentiment_score":0.13942675292491913},{"text":"Beautiful.","start":287.38,"end":287.88,"sentiment":"positive","sentiment_score":0.36673539876937866},{"text":"Thank you for updating that there for me.","start":287.94,"end":289.94,"sentiment":"positive","sentiment_score":0.49366460368037224},{"text":"Excellent.","start":289.94,"end":290.44,"sentiment":"positive","sentiment_score":0.3843761086463928}],"sentiment":"positive","sentiment_score":0.3709773560269521,"num_words":13,"start":283.62,"end":290.44},{"sentences":[{"text":"Essentially, I don't see any major changes to the overall advice to provide.","start":291.38,"end":296.47498,"sentiment":"neutral","sentiment_score":0.052871570420952946},{"text":"It's more just around the contribution side of things, but I could always just go back and update the advice to remove the contributions there for you just to show to show you if with making the changes, if you weren't to receive contributions, after the the contract has ended, and then this is where we can sort of see see your super tracking for in the future.","start":297.01498,"end":316.53,"sentiment":"neutral","sentiment_score":0.09492836292723522},{"text":"But it all just sort of comes down to whether that contract's likely to continue or not, which is probably a bit unknown.","start":316.91,"end":322.86502,"sentiment":"neutral","sentiment_score":-0.08861455126948979},{"text":"What I'd probably like to do is the advice can remain appropriate for now.","start":323.08502,"end":327.40503,"sentiment":"neutral","sentiment_score":-0.004559487815380895},{"text":"No major changes because I would probably like to catch up with you before the end end of your contract to see are there any additional major changes?","start":327.40503,"end":335.03,"sentiment":"neutral","sentiment_score":-0.06139906855033977}],"sentiment":"neutral","sentiment_score":0.022748751140419673,"num_words":146,"start":291.38,"end":335.03},{"sentences":[{"text":"Is it likely to continue, or are you likely to not have that contract after that period ends?","start":335.03,"end":340.56998,"sentiment":"neutral","sentiment_score":-0.051583302621212274},{"text":"And then we can always look at what to do moving forward.","start":340.62997,"end":343.19,"sentiment":"neutral","sentiment_score":0.057250091806054115},{"text":"You're right.","start":343.19,"end":343.50998,"sentiment":"neutral","sentiment_score":0.04675708897411823},{"text":"Sorry.","start":343.50998,"end":344.00998,"sentiment":"neutral","sentiment_score":-0.02997029945254326},{"text":"Yep.","start":351.225,"end":351.725,"sentiment":"neutral","sentiment_score":-0.014790844172239304}],"sentiment":"neutral","sentiment_score":-0.005668979740756399,"num_words":34,"start":335.03,"end":351.725},{"sentences":[{"text":"Yep.","start":358.665,"end":358.985,"sentiment":"neutral","sentiment_score":0.03237299993634224},{"text":"Okay.","start":358.985,"end":359.485,"sentiment":"neutral","sentiment_score":0.06994228810071945},{"text":"Not a problem at all.","start":359.545,"end":360.585,"sentiment":"neutral","sentiment_score":0.1324576184153557},{"text":"Yeah.","start":360.585,"end":360.905,"sentiment":"neutral","sentiment_score":0.3008255958557129},{"text":"Excellent.","start":360.905,"end":361.305,"sentiment":"positive","sentiment_score":0.553803563117981}],"sentiment":"neutral","sentiment_score":0.17991472656528154,"num_words":9,"start":358.665,"end":361.305},{"sentences":[{"text":"So, realistically, the advice I'm gonna give you now is completely appropriate.","start":361.305,"end":364.84,"sentiment":"positive","sentiment_score":0.42971978584925336},{"text":"I'll add something into my calendar that we can touch base maybe early December to have that conversation, look at what could be changing after that point for you, and then look at whether we need to update the advice or make any changes to your circumstances to reflect.","start":365.46,"end":378.75998,"sentiment":"neutral","sentiment_score":0.2022965719201127},{"text":"Does that sound okay?","start":378.81998,"end":380.035,"sentiment":"neutral","sentiment_score":0.1381995864212513},{"text":"Yeah.","start":380.975,"end":381.475,"sentiment":"neutral","sentiment_score":0.09875263273715972},{"text":"Beautiful.","start":382.175,"end":382.675,"sentiment":"neutral","sentiment_score":0.2407117635011673}],"sentiment":"neutral","sentiment_score":0.2382303312865656,"num_words":67,"start":361.305,"end":382.675},{"sentences":[{"text":"A lot of unknowns for you at the moment.","start":382.735,"end":384.57498,"sentiment":"neutral","sentiment_score":-0.1663170556227366},{"text":"I'm so sorry.","start":384.57498,"end":385.475,"sentiment":"neutral","sentiment_score":-0.13725823909044266},{"text":"Yeah.","start":392.175,"end":392.52,"sentiment":"neutral","sentiment_score":-0.0407712422311306},{"text":"Yeah.","start":392.52,"end":392.68,"sentiment":"neutral","sentiment_score":-0.01782849058508873},{"text":"Yeah.","start":392.68,"end":393.18,"sentiment":"neutral","sentiment_score":-0.003900650888681412}],"sentiment":"neutral","sentiment_score":-0.1314085734387239,"num_words":15,"start":382.735,"end":393.18},{"sentences":[{"text":"Absolutely.","start":407.15997,"end":407.65997,"sentiment":"neutral","sentiment_score":0.15038366615772247},{"text":"Yeah.","start":408.61502,"end":408.855,"sentiment":"neutral","sentiment_score":0.09120404720306396},{"text":"No.","start":408.855,"end":409.255,"sentiment":"neutral","sentiment_score":0.1762247085571289},{"text":"Fantastic.","start":409.255,"end":409.755,"sentiment":"positive","sentiment_score":0.42737916111946106},{"text":"Well, that is good to hear, and I'm very, very glad that you're in a good position with that.","start":409.815,"end":413.655,"sentiment":"positive","sentiment_score":0.6693700081423709}],"sentiment":"positive","sentiment_score":0.5897052929453228,"num_words":23,"start":407.15997,"end":413.655},{"sentences":[{"text":"And we'll just make sure we do do catch ups moving forward to update your circumstances as we need to and look at what we need to do to help you.","start":413.655,"end":420.375,"sentiment":"positive","sentiment_score":0.37461304183929195},{"text":"Okay?","start":420.375,"end":420.875,"sentiment":"neutral","sentiment_score":0.17911235988140106},{"text":"Excellent.","start":422.48,"end":422.98,"sentiment":"positive","sentiment_score":0.5491820573806763},{"text":"Fantastic.","start":423.44,"end":423.94,"sentiment":"positive","sentiment_score":0.5984556674957275},{"text":"Now, Lisa, as I kinda mentioned, I did go back and look at your super.","start":424.08002,"end":426.96,"sentiment":"neutral","sentiment_score":0.27925703624884285}],"sentiment":"positive","sentiment_score":0.3495634678675204,"num_words":49,"start":413.655,"end":426.96},{"sentences":[{"text":"I am recommending that we do retain your hub twenty four super account.","start":426.96,"end":430.5,"sentiment":"neutral","sentiment_score":0.18350124187194383},{"text":"I did look at moving to other funds and cheaper funds and things like that.","start":430.88,"end":434.445,"sentiment":"neutral","sentiment_score":0.1448458919922511},{"text":"However, retaining hub twenty four did work out more into your best interest just because selling down everything and moving to a new fund adds complexity, but it also increases the capital gains that your super fund has to pay for you.","start":434.685,"end":447.54,"sentiment":"positive","sentiment_score":0.3570796712523415},{"text":"So retaining your fund and switching investors within the fund did work out more appropriate.","start":447.78,"end":452.28,"sentiment":"positive","sentiment_score":0.3343771209319433},{"text":"With the investments, one of the investments we sort of talked about when we caught up a few months back was the Benelon Australian Equities.","start":452.98,"end":459.62,"sentiment":"neutral","sentiment_score":0.06273464292287827}],"sentiment":"neutral","sentiment_score":0.23763248730789532,"num_words":110,"start":426.96,"end":459.62},{"sentences":[{"text":"Do you remember we sort of talked about how that fund was underperforming?","start":459.62,"end":464.825,"sentiment":"neutral","sentiment_score":-0.012600304988714365},{"text":"Yeah.","start":465.845,"end":466.245,"sentiment":"neutral","sentiment_score":-0.08954420685768127},{"text":"So what I'm recommending is that we definitely sell that fund off.","start":466.245,"end":469.545,"sentiment":"neutral","sentiment_score":-0.16542502430578074},{"text":"We have, as I said, been underperforming.","start":469.605,"end":471.465,"sentiment":"neutral","sentiment_score":-0.2552809992006847},{"text":"We don't want you to be in any underperforming investments there.","start":471.605,"end":474.965,"sentiment":"neutral","sentiment_score":-0.2577502023090016}],"sentiment":"neutral","sentiment_score":-0.15592426552691244,"num_words":44,"start":459.62,"end":474.965},{"sentences":[{"text":"But I'm also making a recommendation that we update the portfolio as a whole as well because for the portfolio that you were in back when you came on board, whilst has done very well and put you in a really great position, it's important to keep updating that as time changes as well.","start":474.965,"end":489.675,"sentiment":"neutral","sentiment_score":0.3011442362158387},{"text":"So what you'll see when you do look at the advice document, I am making a recommendation that we sell off some of the investments.","start":489.835,"end":496.095,"sentiment":"neutral","sentiment_score":-0.032245688810944556},{"text":"We're gonna sell off the Benelong Australian Equities, the ClearBridge Infrastructure Fund, the Bank hybrids because they being phased out by the government down the track there as well, the global agriculture.","start":496.555,"end":507.24,"sentiment":"neutral","sentiment_score":0.01945863460423425},{"text":"The physical goal we wanna keep, but we're gonna rebalance it back a little bit.","start":507.54,"end":511.3,"sentiment":"neutral","sentiment_score":0.06161474790424108},{"text":"You've had some really great growth in that area, and we just wanna cement some of the gains and have the the the capital gains reinvested into other areas for you.","start":511.3,"end":520.825,"sentiment":"positive","sentiment_score":0.46482933048279057}],"sentiment":"neutral","sentiment_score":0.20007804653660696,"num_words":157,"start":474.965,"end":520.825},{"sentences":[{"text":"We are keeping cybersecurity by just rebalancing it back a little bit.","start":521.84503,"end":525.765,"sentiment":"neutral","sentiment_score":0.13004776276648045},{"text":"You're a bit overexposed in that at the moment.","start":525.765,"end":527.925,"sentiment":"neutral","sentiment_score":-0.16771578871541554},{"text":"And then with the s and p 500, we wanna keep that exposure and buy some more of it.","start":527.925,"end":532.425,"sentiment":"neutral","sentiment_score":0.10095093105184405},{"text":"We're also then going to buy into some Europeans and Japanese and some all world exposure.","start":532.96,"end":538.1,"sentiment":"neutral","sentiment_score":0.11415786482393742},{"text":"So one of the big things with your portfolio is to diversify.","start":538.24,"end":542.02,"sentiment":"neutral","sentiment_score":0.2779715235034625}],"sentiment":"neutral","sentiment_score":0.1048732774113031,"num_words":68,"start":521.84503,"end":542.02},{"sentences":[{"text":"One of the best ways to to mitigate market risk is to diversify over different asset classes in different countries.","start":542.56,"end":550.04504,"sentiment":"neutral","sentiment_score":0.23415592275559902},{"text":"So we're adding some European, some Japanese exposure, and the Vanguard all world index as well.","start":550.04504,"end":556.84503,"sentiment":"neutral","sentiment_score":0.2137541794218123},{"text":"That way you're getting exposure across the entire globe there.","start":556.84503,"end":560.385,"sentiment":"neutral","sentiment_score":0.23178473114967346},{"text":"Because we are removing the Ben along Australian Equities investment, which is the one that's underperformed, we still wanna keep some Australian exposure.","start":561.57,"end":568.63,"sentiment":"neutral","sentiment_score":0.12346690504447273},{"text":"So we're gonna replace that with the BetaShares a 200.","start":568.93,"end":572.07,"sentiment":"neutral","sentiment_score":0.19932428300380706}],"sentiment":"neutral","sentiment_score":0.1930887883977045,"num_words":79,"start":542.56,"end":572.07},{"sentences":[{"text":"It's essentially giving you exposures to the top 200 con companies on the ASX.","start":572.37,"end":577.045,"sentiment":"neutral","sentiment_score":0.3029382824897766},{"text":"So it's giving you, again, more diversification.","start":577.50494,"end":579.365,"sentiment":"positive","sentiment_score":0.46495102984564646},{"text":"It's a much cheaper investment as well, so it helps to reduce the cost of your investment portfolio.","start":579.82495,"end":585.52496,"sentiment":"positive","sentiment_score":0.5497888442542818},{"text":"Okay?","start":586.25995,"end":586.75995,"sentiment":"neutral","sentiment_score":0.22621089220046997},{"text":"And then the last change we're going the last change we're going to make is because we are removing the bank hybrids there, we wanna keep some lower risk defensive investments.","start":588.42,"end":598.57996,"sentiment":"neutral","sentiment_score":0.20515984849583718}],"sentiment":"positive","sentiment_score":0.33772054304119564,"num_words":71,"start":572.37,"end":598.57996},{"sentences":[{"text":"So we're gonna make your defensive component in the core composite bonds, so giving you access to both government and corporate bonds there.","start":598.57996,"end":607.205,"sentiment":"neutral","sentiment_score":0.319716092037118},{"text":"I won't go too deep into that.","start":607.265,"end":608.945,"sentiment":"neutral","sentiment_score":0.09438412636518478},{"text":"I try to keep it as easy as possible.","start":608.945,"end":610.96497,"sentiment":"neutral","sentiment_score":0.31057700845930314},{"text":"When you have a look at page number 17 of the advice document, turn your eyes over it.","start":611.02496,"end":616.02,"sentiment":"neutral","sentiment_score":0.1264698219796022},{"text":"All the red is what we're selling.","start":616.18,"end":617.94,"sentiment":"neutral","sentiment_score":0.25556047686508726}],"sentiment":"neutral","sentiment_score":0.2324176908005029,"num_words":64,"start":598.57996,"end":617.94},{"sentences":[{"text":"All the green is what we're buying, and the last column will show you how much we expect you to have invested in that portfolio once we've made that change.","start":617.94,"end":626.12,"sentiment":"neutral","sentiment_score":0.30341292172670364},{"text":"Okay?","start":626.18,"end":626.68,"sentiment":"neutral","sentiment_score":0.15316475927829742},{"text":"Excellent.","start":628.58,"end":629.08,"sentiment":"positive","sentiment_score":0.6993224620819092},{"text":"If you when you look at that bit later, if you do have any questions, email me back and let me know or give me a call, and I'll happily explain it to you in a lot more detail.","start":629.28503,"end":637.22504,"sentiment":"positive","sentiment_score":0.33569339911142987},{"text":"It is really important that I don't wanna overcomplicate it for you, but just make you so that we touch on the areas that we need to at the same time.","start":637.925,"end":646.23,"sentiment":"neutral","sentiment_score":0.08728713895224276}],"sentiment":"neutral","sentiment_score":0.2524786151571236,"num_words":102,"start":617.94,"end":646.23},{"sentences":[{"text":"One of the the reasons that we do wanna make this change is that when we have a look at your portfolio that you're currently in, it has been performing nicely.","start":647.08997,"end":655.51,"sentiment":"positive","sentiment_score":0.35505683912384894},{"text":"However, the newer portfolio actually saves you an investment fee.","start":656.625,"end":659.74506,"sentiment":"positive","sentiment_score":0.43650111854076384},{"text":"So as I kinda mentioned, it's a bit cheaper.","start":659.74506,"end":662.16504,"sentiment":"positive","sentiment_score":0.4545122981071472},{"text":"When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings.","start":662.465,"end":673.98004,"sentiment":"positive","sentiment_score":0.5293334634865031},{"text":"That's more money staying in your super fund invested for you for your longer term.","start":674.44,"end":678.94,"sentiment":"positive","sentiment_score":0.5441113789876302}],"sentiment":"positive","sentiment_score":0.46082214469259436,"num_words":99,"start":647.08997,"end":678.94},{"sentences":[{"text":"There's no change to the insurances.","start":679.48004,"end":681.26,"sentiment":"neutral","sentiment_score":0.13086008528868356},{"text":"We're keeping the insurances exactly as they are with your current life and TBD, and we're not looking at getting any new income protection or trauma at this time.","start":681.4,"end":689.925,"sentiment":"neutral","sentiment_score":0.05875945014172587},{"text":"One of the things is sort of meant that you are happy with that level of cover.","start":689.925,"end":693.225,"sentiment":"neutral","sentiment_score":0.2410918693332111},{"text":"If at any point you wanted to reevaluate that, you just let me know.","start":693.845,"end":697.46497,"sentiment":"neutral","sentiment_score":0.0025492540028478417},{"text":"Okay?","start":697.52496,"end":698.02496,"sentiment":"neutral","sentiment_score":0.018558606505393985}],"sentiment":"neutral","sentiment_score":0.09913424637391051,"num_words":67,"start":679.48004,"end":698.02496},{"sentences":[{"text":"Excellent.","start":700.26996,"end":700.76996,"sentiment":"positive","sentiment_score":0.3874766230583191},{"text":"The other thing to sort of make mention of is that your the current portfolio.","start":700.99,"end":704.85,"sentiment":"neutral","sentiment_score":0.11156698018312454},{"text":"When we kind of look at the past performance of the investments, the current portfolio has averaged about 9.78% on a yearly basis there, which is absolutely great.","start":704.99,"end":714.495,"sentiment":"neutral","sentiment_score":0.1689649945391076},{"text":"However, when we look at the past performance of the newer portfolio, it's averaged the higher rate of return.","start":714.495,"end":719.535,"sentiment":"neutral","sentiment_score":0.1186814366986877},{"text":"So the last five year rolling average, it's averaged about 11.57%.","start":719.535,"end":724.415,"sentiment":"neutral","sentiment_score":0.1536462510173971}],"sentiment":"neutral","sentiment_score":0.14509536799144102,"num_words":74,"start":700.26996,"end":724.415},{"sentences":[{"text":"So when you sort of factor in contributions, the insurance premiums, and the savings with regards to the investments, we can sort of see over the next five to ten years, we would expect you to be in a much greater position.","start":724.415,"end":735.23004,"sentiment":"neutral","sentiment_score":0.2564758913857596},{"text":"So that's also the reason why we are looking to make the change with the investments there.","start":735.37006,"end":739.36505,"sentiment":"neutral","sentiment_score":0.15648916451370015},{"text":"Okay?","start":740.145,"end":740.645,"sentiment":"neutral","sentiment_score":0.09049056470394136},{"text":"Excellent.","start":742.465,"end":742.965,"sentiment":"positive","sentiment_score":0.43810397386550903},{"text":"I do have to let you know there is obviously a CGT effect.","start":743.185,"end":746.625,"sentiment":"neutral","sentiment_score":0.09224193399915329}],"sentiment":"neutral","sentiment_score":0.20486544480396285,"num_words":74,"start":724.415,"end":746.625},{"sentences":[{"text":"So when we do look at the research, we also note that there is a a capital gains or a tax consequence there.","start":746.625,"end":752.97,"sentiment":"neutral","sentiment_score":0.05449504672509173},{"text":"Just like you, your super fund does a tax return every year.","start":753.44995,"end":756.67,"sentiment":"neutral","sentiment_score":0.1679579404493173},{"text":"And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156.","start":756.81,"end":765.05,"sentiment":"neutral","sentiment_score":0.12216928635131229},{"text":"So that taxation would be covered for all inside super.","start":765.05,"end":768.475,"sentiment":"neutral","sentiment_score":0.2368927590548992},{"text":"It doesn't have any effect on you personally, but it means that your super fund does pay the tax consequence based on the change.","start":768.535,"end":774.615,"sentiment":"neutral","sentiment_score":0.18861387421687445}],"sentiment":"neutral","sentiment_score":0.1412336948522172,"num_words":91,"start":746.625,"end":774.615},{"sentences":[{"text":"Does that make sense?","start":774.615,"end":775.675,"sentiment":"neutral","sentiment_score":0.13958105072379112},{"text":"Yeah.","start":777.895,"end":778.395,"sentiment":"neutral","sentiment_score":0.29413992166519165},{"text":"Beautiful.","start":778.455,"end":778.955,"sentiment":"positive","sentiment_score":0.5903550386428833},{"text":"The only other thing to kinda make mention is we also looked at the estate planning side of things.","start":780.0,"end":784.48004,"sentiment":"neutral","sentiment_score":0.22200588450620048},{"text":"So one of the things that you wanted to sort of make sure was that your beneficiary was set up in line to make sure that it could be paid to your children in the most tax advantage way.","start":784.48004,"end":795.105,"sentiment":"neutral","sentiment_score":0.286362003439512}],"sentiment":"neutral","sentiment_score":0.2629538922337815,"num_words":64,"start":774.615,"end":795.105},{"sentences":[{"text":"So the what I've actually set up, because your kids are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative.","start":795.58496,"end":807.045,"sentiment":"neutral","sentiment_score":0.250799388728208},{"text":"This essentially means that by updating this in the event of you, say, passing away, your super is paid to your estate.","start":807.58496,"end":814.27997,"sentiment":"neutral","sentiment_score":0.24472768740220505},{"text":"We just need to make sure you have a will that is up to date and reflective, and then your super can be paid out to your beneficiaries in a more tax effective way through your state.","start":814.58,"end":824.12,"sentiment":"positive","sentiment_score":0.35955164762767583},{"text":"Essentially, by nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%.","start":824.975,"end":837.795,"sentiment":"neutral","sentiment_score":0.28068252676166594},{"text":"So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive.","start":837.855,"end":847.67,"sentiment":"positive","sentiment_score":0.4871291824749538}],"sentiment":"neutral","sentiment_score":0.3317750637178068,"num_words":162,"start":795.58496,"end":847.67},{"sentences":[{"text":"So it's a much more tax effective way.","start":847.67,"end":849.82996,"sentiment":"positive","sentiment_score":0.6296941265463829},{"text":"And directing it through your will, you have a lot more control around how you want it paid, who to, what amounts, and it all gets lumped in with all your other assets as well to make it a bit easier.","start":849.82996,"end":859.65497,"sentiment":"positive","sentiment_score":0.5181831281359602},{"text":"Does that make sense?","start":859.795,"end":860.935,"sentiment":"neutral","sentiment_score":0.2467050924897194},{"text":"Yeah.","start":862.27496,"end":862.77496,"sentiment":"neutral","sentiment_score":0.047881901264190674},{"text":"Absolutely.","start":869.04,"end":869.51996,"sentiment":"positive","sentiment_score":0.4745374023914337}],"sentiment":"positive","sentiment_score":0.5053145625374534,"num_words":55,"start":847.67,"end":869.51996},{"sentences":[{"text":"Absolutely.","start":869.51996,"end":870.01996,"sentiment":"positive","sentiment_score":0.33704543113708496},{"text":"Look.","start":870.64,"end":870.88,"sentiment":"neutral","sentiment_score":0.1798665076494217},{"text":"What I'll let let you to do, go back and have a bit of a read of the documents there.","start":870.88,"end":874.56,"sentiment":"neutral","sentiment_score":0.15282991640269755},{"text":"I know it is a lot and not looking at it, it can sort of seem like I'm talking at you.","start":874.56,"end":878.82,"sentiment":"neutral","sentiment_score":-0.019302734900044187},{"text":"So feel free to go back and have a look at that in your email there.","start":879.12,"end":882.625,"sentiment":"neutral","sentiment_score":0.15865448582917452}],"sentiment":"neutral","sentiment_score":0.09672245096959868,"num_words":59,"start":869.51996,"end":882.625},{"sentences":[{"text":"If you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well.","start":882.685,"end":891.405,"sentiment":"neutral","sentiment_score":0.17937357378442112},{"text":"Does that sound okay?","start":891.405,"end":892.545,"sentiment":"neutral","sentiment_score":0.13204427063465118},{"text":"Yeah.","start":898.43,"end":898.93,"sentiment":"neutral","sentiment_score":0.001942850649356842},{"text":"Oh, are you okay?","start":904.27,"end":905.97003,"sentiment":"neutral","sentiment_score":-0.05530593218281865},{"text":"Right.","start":912.605,"end":913.105,"sentiment":"neutral","sentiment_score":-0.012842264026403429}],"sentiment":"neutral","sentiment_score":0.15000726403120687,"num_words":51,"start":882.685,"end":913.105},{"sentences":[{"text":"Yep.","start":918.845,"end":919.345,"sentiment":"neutral","sentiment_score":-0.0031319386325776577},{"text":"Absolutely.","start":920.52496,"end":921.02496,"sentiment":"neutral","sentiment_score":0.01404502522200346},{"text":"So sorry.","start":921.32495,"end":922.045,"sentiment":"neutral","sentiment_score":-0.09158734232187271},{"text":"So when they booked this one in with you, was that something you've that that was kinda confirmed?","start":922.045,"end":927.33,"sentiment":"neutral","sentiment_score":-0.0740423829605182},{"text":"Was it because it's been booked in for 05:00 Queensland time, and I do absolutely apologize for 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time.","start":940.125,"end":942.545,"sentiment":"positive","sentiment_score":0.4326129736644881},{"text":"Feel free to have a look through the document and let me know, and I'll make sure that that note is there, that it's always 5PM per four 04:00 past time, no earlier.","start":943.165,"end":950.65,"sentiment":"neutral","sentiment_score":0.018549234239440975},{"text":"Is that right?","start":950.65,"end":952.70996,"sentiment":"neutral","sentiment_score":0.03235745678345362},{"text":"Yep.","start":953.69,"end":954.17,"sentiment":"neutral","sentiment_score":0.19953438639640808},{"text":"Perfect.","start":954.17,"end":954.67,"sentiment":"positive","sentiment_score":0.49060875177383423}],"sentiment":"neutral","sentiment_score":0.1433831128793267,"num_words":52,"start":940.125,"end":954.67},{"sentences":[{"text":"I will have that updated for you.","start":954.97,"end":956.41,"sentiment":"positive","sentiment_score":0.39401641488075256},{"text":"I do apologize for the miscommunication there.","start":956.41,"end":959.07,"sentiment":"neutral","sentiment_score":-0.08463403795446668},{"text":"Thank you so much.","start":960.17,"end":961.13,"sentiment":"positive","sentiment_score":0.6667924672365189},{"text":"I hope you have a good day.","start":961.13,"end":962.33,"sentiment":"positive","sentiment_score":0.5807837247848511},{"text":"I hope everything goes okay with your with your dog in the appointment.","start":962.33,"end":966.03,"sentiment":"positive","sentiment_score":0.4873109734975375}],"sentiment":"positive","sentiment_score":0.4008782956945269,"num_words":38,"start":954.97,"end":966.03},{"sentences":[{"text":"Oh, the cone ish shave.","start":972.625,"end":973.745,"sentiment":"neutral","sentiment_score":0.07303769066929817},{"text":"I love the way you put that.","start":973.745,"end":975.285,"sentiment":"positive","sentiment_score":0.6861087083816528},{"text":"I love 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How are you, Dana? Yeah. All over the place. No. I'm on my way to take my dog back to the vet for a follow-up appointment. Yeah. Sure. Sure. That's fine. Sure. Yeah. Still looking at that. Hopefully, my redundancy back in March hasn't impacted that too much. No. I've received that. So I've yeah. I've started a six month contract at the moment, so I'm, like, only three weeks into it. So I have started something. Possibly lower because it's only a six month term at the moment, but I'm getting paid weekly as opposed to fortnightly. So I could be slightly under or I could be on par with it. Yeah. Alright. No. So at the moment, I put it in a five month term deposit, and I'm waiting for that to mature very shortly. So I did keep a little bit back and do a whole lot of necessary repairs to my house that desperately needed to be done. And when it matures, I may take a small amount out and then reinvest the rest in case this contract finishes in January. I've got a little bit of a buffer of income to draw down on on a weekly basis. 55,000. So that's due to go down to 50,000, I think, in the next week or so. Yep. Yeah. I'm hope yeah. I'm hoping around December, I would sorta have some kind of idea on what's going on because the current arrangement's only until about the January 13 at this stage. Yep. That's fine. That's okay. Like I said, it's it's a good unknown, but I'm I'm okay. I I'm at peace with being made redundant. It came at a good time in my life, so it gave me a bit of digest and sort of reflect on what really I wanna do. So yeah. Yep. Alright. Yes. Yes. Yep. Sounds good. No worries. Yep. Will do. Yes. Yes. Apartment. Okay. Alright. No worries. Yes. It does. Okay. Okay. Yeah. I have to update my will because a few things have changed. So if that makes sense, I can make those adjustments. That's fine. But can I just make point out that the time frame I'm on Perth time, not Queensland time? So I don't so I don't finish work usually until four. So do I have to be after 5PM Western Standard Time, not Queensland time? No. I I I did ask for Perth time. No. But That is correct. No. All good. Yeah. She's gotta have some stitches out and they're ashamed the kind of shame removed. So I call it these radar niche, but anyway. Yep. No problem. Thank you. 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How are you, Dana? Yeah. All over the place. No.\n\nI'm on my way to take my dog back to the vet for a follow-up appointment. Yeah. Sure. Sure. That's fine.\n\nSure. Yeah. Still looking at that. Hopefully, my redundancy back in March hasn't impacted that too much. No.\n\nI've received that. So I've yeah. I've started a six month contract at the moment, so I'm, like, only three weeks into it. So I have started something. Possibly lower because it's only a six month term at the moment, but I'm getting paid weekly as opposed to fortnightly.\n\nSo I could be slightly under or I could be on par with it. Yeah. Alright. No. So at the moment, I put it in a five month term deposit, and I'm waiting for that to mature very shortly.\n\nSo I did keep a little bit back and do a whole lot of necessary repairs to my house that desperately needed to be done. And when it matures, I may take a small amount out and then reinvest the rest in case this contract finishes in January. 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at this stage.","start":345.375,"end":358.355,"sentiment":"neutral","sentiment_score":-0.02666348543275019},{"text":"Yep.","start":379.88498,"end":380.38498,"sentiment":"neutral","sentiment_score":0.0583917424082756}],"sentiment":"neutral","sentiment_score":-0.01754530601735626,"num_words":35,"start":317.72998,"end":380.38498},{"sentences":[{"text":"That's fine.","start":380.925,"end":381.745,"sentiment":"neutral","sentiment_score":0.10553326085209846},{"text":"That's okay.","start":386.685,"end":387.50497,"sentiment":"neutral","sentiment_score":-0.11676212027668953},{"text":"Like I said, it's it's a good unknown, but I'm I'm okay.","start":387.72498,"end":394.36002,"sentiment":"neutral","sentiment_score":-0.04961339415361484},{"text":"I I'm at peace with being made redundant.","start":394.5,"end":396.98,"sentiment":"neutral","sentiment_score":0.012483937200158834},{"text":"It came at a good time in my life, so it gave me a bit of digest and sort of reflect on what really I wanna do.","start":396.98,"end":406.645,"sentiment":"neutral","sentiment_score":0.16438862019115025}],"sentiment":"neutral","sentiment_score":0.07687344694254446,"num_words":51,"start":380.925,"end":406.645},{"sentences":[{"text":"So yeah.","start":406.645,"end":407.945,"sentiment":"neutral","sentiment_score":0.09267163276672363},{"text":"Yep.","start":421.41,"end":421.91,"sentiment":"neutral","sentiment_score":0.14471110701560974},{"text":"Alright.","start":422.13,"end":422.63,"sentiment":"neutral","sentiment_score":0.27206847071647644},{"text":"Yes.","start":453.57,"end":454.07,"sentiment":"neutral","sentiment_score":0.10741020739078522},{"text":"Yes.","start":464.20502,"end":464.70502,"sentiment":"neutral","sentiment_score":-0.0341033861041069}],"sentiment":"neutral","sentiment_score":0.11257161075870196,"num_words":6,"start":406.645,"end":464.70502},{"sentences":[{"text":"Yep.","start":587.98004,"end":588.48004,"sentiment":"neutral","sentiment_score":0.2603721022605896},{"text":"Sounds good.","start":588.86005,"end":589.76,"sentiment":"neutral","sentiment_score":0.2489260733127594},{"text":"No worries.","start":627.31,"end":628.05,"sentiment":"positive","sentiment_score":0.34017810225486755},{"text":"Yep.","start":628.75,"end":629.25,"sentiment":"positive","sentiment_score":0.4404337406158447},{"text":"Will do.","start":638.425,"end":639.16504,"sentiment":"neutral","sentiment_score":0.1089416854083538}],"sentiment":"neutral","sentiment_score":0.2621121956035495,"num_words":8,"start":587.98004,"end":639.16504},{"sentences":[{"text":"Yes.","start":675.32,"end":675.82,"sentiment":"positive","sentiment_score":0.43438661098480225},{"text":"Yes.","start":694.10504,"end":694.42505,"sentiment":"neutral","sentiment_score":0.021635474637150764},{"text":"Apartment.","start":694.42505,"end":694.92505,"sentiment":"neutral","sentiment_score":0.0003700302913784981},{"text":"Okay.","start":698.585,"end":699.085,"sentiment":"neutral","sentiment_score":0.04757090657949448},{"text":"Alright.","start":699.465,"end":699.965,"sentiment":"neutral","sentiment_score":0.18508681654930115}],"sentiment":"neutral","sentiment_score":0.13780996780842542,"num_words":5,"start":675.32,"end":699.965},{"sentences":[{"text":"No worries.","start":741.25,"end":741.91003,"sentiment":"neutral","sentiment_score":0.17859956622123718},{"text":"Yes.","start":776.525,"end":776.84503,"sentiment":"neutral","sentiment_score":0.24393494427204132},{"text":"It does.","start":776.84503,"end":777.585,"sentiment":"neutral","sentiment_score":0.25076522678136826},{"text":"Okay.","start":825.66,"end":826.16,"sentiment":"neutral","sentiment_score":0.21433165669441223},{"text":"Okay.","start":861.395,"end":861.635,"sentiment":"neutral","sentiment_score":0.07515417039394379}],"sentiment":"neutral","sentiment_score":0.19887862248080118,"num_words":7,"start":741.25,"end":861.635},{"sentences":[{"text":"Yeah.","start":861.635,"end":862.115,"sentiment":"neutral","sentiment_score":0.08190415054559708},{"text":"I have to update my will because a few things have changed.","start":862.115,"end":865.235,"sentiment":"neutral","sentiment_score":0.023873063270002604},{"text":"So if that makes sense, I can make those adjustments.","start":865.235,"end":867.655,"sentiment":"neutral","sentiment_score":0.07993416227400303},{"text":"That's fine.","start":893.485,"end":894.46497,"sentiment":"neutral","sentiment_score":0.14731014519929886},{"text":"But can I just make point out that the time frame I'm on Perth time, not Queensland time?","start":894.52496,"end":903.58496,"sentiment":"neutral","sentiment_score":-0.00491713173687458}],"sentiment":"neutral","sentiment_score":0.03194963841070963,"num_words":43,"start":861.635,"end":903.58496},{"sentences":[{"text":"So I don't so I don't finish work usually until four.","start":904.98004,"end":911.4,"sentiment":"neutral","sentiment_score":-0.11369045214219527},{"text":"So do I have to be after 5PM Western Standard Time, not Queensland time?","start":911.78,"end":919.80005,"sentiment":"neutral","sentiment_score":-0.017789349359061037},{"text":"No.","start":931.675,"end":932.175,"sentiment":"neutral","sentiment_score":-0.11943715810775755},{"text":"I I I did ask for Perth time.","start":932.235,"end":942.75,"sentiment":"neutral","sentiment_score":0.030890374910086393},{"text":"No.","start":943.53,"end":943.77,"sentiment":"neutral","sentiment_score":-0.014031367376446724}],"sentiment":"neutral","sentiment_score":-0.03959975402270045,"num_words":35,"start":904.98004,"end":943.77},{"sentences":[{"text":"But That is correct.","start":943.77,"end":953.185,"sentiment":"neutral","sentiment_score":0.10892395861446857},{"text":"No.","start":958.365,"end":958.765,"sentiment":"neutral","sentiment_score":-0.10671080648899078},{"text":"All good.","start":958.765,"end":959.505,"sentiment":"neutral","sentiment_score":0.28407783806324005},{"text":"Yeah.","start":967.09,"end":967.49005,"sentiment":"neutral","sentiment_score":0.0187225379049778},{"text":"She's gotta have some stitches out and they're ashamed the kind of shame removed.","start":967.49005,"end":971.33,"sentiment":"neutral","sentiment_score":-0.26960735289113863}],"sentiment":"neutral","sentiment_score":-0.12993816811252723,"num_words":22,"start":943.77,"end":971.33},{"sentences":[{"text":"So I call it these radar niche, but anyway.","start":971.33,"end":978.79004,"sentiment":"neutral","sentiment_score":0.27418812612692517},{"text":"Yep.","start":986.805,"end":987.305,"sentiment":"positive","sentiment_score":0.5176693201065063},{"text":"No problem.","start":991.125,"end":991.94495,"sentiment":"positive","sentiment_score":0.5471628159284592},{"text":"Thank you.","start":992.00494,"end":992.82495,"sentiment":"positive","sentiment_score":0.633599191904068},{"text":"Bye.","start":995.425,"end":995.925,"sentiment":"neutral","sentiment_score":-0.1161920577287674}],"sentiment":"positive","sentiment_score":0.348712960879008,"num_words":15,"start":971.33,"end":995.925}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. Good afternoon, Lisa. This is Dana. How are you?\n\nChannel 1: I'm not bad. How are you, Dana?\n\nChannel 0: I'm very well. Thank you. How's your day been?\n\nChannel 1: Yeah. All over\n\nChannel 0: Yeah.\n\nChannel 1: the place.\n\nChannel 0: Oh, I'm so sorry to hear that. Have you finished for the day? Are you on your way home? Or\n\nChannel 1: No. I'm on my way to take my dog back to the vet for a follow-up appointment.\n\nChannel 0: oh, no. I'm so sorry to hear that. I had you booked in just to run through your updated statement of advice. Is now still a good time to go through that with you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. That's okay. Now I know you are driving. I can hear you in the car at the moment. I have sent your document through to you via email there.\n\nI'm not gonna ask you to have a look at it now, but I'll go through the recommendations as easily as possible for you to give you an update and touch on the things I need to touch on for you. And then you can go\n\nChannel 1: Sure.\n\nChannel 0: back and have a bit of a look at it later on to make it a bit clearer for yourself. Is that okay?\n\nChannel 1: That's fine.\n\nChannel 0: Fantastic, Lisa. So on the front of the document, we do know it has been prepared for yourself. The date of the document being prepared is the 07/30/2026. Just for your reference, all of our advice is valid for sixty days from the date on the document there. And on the bottom of the front page, it also has my authorized representative number as a licensed adviser.\n\nI'm registered with Assika. My number is 1304394. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Now nice and simply for you, essentially, this document we were looking at as per our last call, just having a look at your superannuation. So we had sorta noted in the last step there has been some underperforming investments that we've run back and had a review of your super and the underlying investments to see if we can put you in a portfolio that's working a bit harder for you and making sure everything is working towards your goal. Your goal last time we spoke was that you were hoping to retire by about age 65. Is that still appropriate\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Still\n\nChannel 0: you?\n\nChannel 1: looking at\n\nChannel 0: Yeah.\n\nChannel 1: that. Hopefully, my redundancy\n\nChannel 0: Yeah.\n\nChannel 1: back in March hasn't impacted that too much.\n\nChannel 0: No. That's okay. So you were made redundant back in March. Have you received the redundancy? Is it still to come?\n\nWhat's sort of happening with that\n\nChannel 1: No.\n\nChannel 0: one?\n\nChannel 1: I've received that.\n\nChannel 0: You have? All good. And are you still looking, moving forward at, obtaining a new role? Have you started a new role? Is there any kind of,\n\nChannel 1: So I've\n\nChannel 0: update on\n\nChannel 1: yeah. I've started a six month contract\n\nChannel 0: sorry. Yep.\n\nChannel 1: at the moment, so I'm, like, only three weeks into it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So I have started something.\n\nChannel 0: Oh, fantastic. Oh, fantastic. And with the new income that you'd be receiving on a regular basis, because with your last job we had, you noted last time as income about 75,000, is your income expected to be higher or lower than that, do you\n\nChannel 1: Possibly lower because it's only a six month term at the moment,\n\nChannel 0: think? Yep.\n\nChannel 1: but I'm getting paid weekly as opposed to fortnightly. So\n\nChannel 0: Yep.\n\nChannel 1: I could be slightly under or I could be on par with it.\n\nChannel 0: Yeah. That's okay. Not a problem. With the advice we had sort of factored in income at your last income estimate, if you did want to want me to review that, absolutely can. It's not a problem at all.\n\nBut it's just a bit of a guide on unexpected contributions there for you as well. I certainly hope that you, you know, do earn certainly more\n\nChannel 1: Yeah.\n\nChannel 0: than that. You're definitely worth it.\n\nChannel 1: Alright.\n\nChannel 0: All good. Easy. And with the the money you received, is that still sitting in your bank account? Did you have any kind of guide on what you wanted to do with those funds down the track? Are you sort of just sitting on them as a buffer?\n\nChannel 1: No. So at the moment, I put it in a five month term deposit, and I'm waiting for that to mature very shortly.\n\nChannel 0: Yep. Yep. Perfect. And do you what are your sort of plans moving forward with those funds when that\n\nChannel 1: So I did keep a little bit back and do a whole lot of necessary repairs to my house that desperately needed\n\nChannel 0: matures? Yep.\n\nChannel 1: to be done. And\n\nChannel 0: Yep.\n\nChannel 1: when it matures,\n\nChannel 0: Yep.\n\nChannel 1: I may take a small amount out and then reinvest the rest in case this contract finishes in January. I've got a little bit of a buffer of income\n\nChannel 0: Buffer.\n\nChannel 1: to draw down on on a weekly basis.\n\nChannel 0: Yeah. Beautiful. No. That's fantastic. And how much do you have sitting in it at the moment in your savings as a buffer?\n\nChannel 1: 55,000.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: So that's\n\nChannel 0: Lovely.\n\nChannel 1: due to go down to 50,000,\n\nChannel 0: But yep.\n\nChannel 1: I think, in the next week or so.\n\nChannel 0: Yep. Beautiful. Thank you for updating that there for me. Excellent. Essentially, I don't see any major changes to the overall advice to provide.\n\nIt's more just around the contribution side of things, but I could always just go back and update the advice to remove the contributions there for you just to show to show you if with making the changes, if you weren't to receive contributions, after the the contract has ended, and then this is where we can sort of see see your super tracking for in the future. But it all just sort\n\nChannel 1: Yep.\n\nChannel 0: of comes down to whether that contract's likely to continue or not, which is probably a bit unknown. What I'd probably like to do is the advice can remain appropriate for now. No major changes because I would probably like to catch up with you before the end end of your contract to see are there any additional major changes? Is it likely to continue, or are you likely to not have that contract after that period ends?\n\nChannel 1: Yeah.\n\nChannel 0: And then we can always\n\nChannel 1: I'm\n\nChannel 0: look at\n\nChannel 1: hope\n\nChannel 0: what to do moving forward. You're right. Sorry.\n\nChannel 1: yeah. I'm hoping around December, I would sorta have some kind of idea on what's going\n\nChannel 0: Yep.\n\nChannel 1: on because the current arrangement's only until about the January 13 at this stage.\n\nChannel 0: Yep. Okay. Not a problem at all. Yeah. Excellent.\n\nSo, realistically, the advice I'm gonna give you now is completely appropriate. I'll add something into my calendar that we can touch base maybe early December to have that conversation, look at what could be changing after that point for you, and then look at whether we need to update the advice or make any changes to your circumstances to reflect. Does that sound okay?\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. A lot of unknowns for you at the moment. I'm so sorry.\n\nChannel 1: That's okay. Like I said, it's it's a good unknown, but\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: I'm I'm okay. I I'm at peace with being made redundant. It came at a good time in my life, so it gave me a bit of digest and sort of reflect on what really I wanna do. So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. Fantastic. Well, that is good to hear, and I'm very, very glad that you're in a good position with that. And we'll just make sure we do do catch ups moving forward to update your circumstances as we need to and look at what we need to do to help you.\n\nOkay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Excellent. Fantastic. Now, Lisa, as I kinda mentioned, I did go back and look at your super. I am recommending that we do retain your hub twenty four super account. I did look at moving to other funds and cheaper funds and things like that.\n\nHowever, retaining hub twenty four did work out more into your best interest just because selling down everything and moving to a new fund adds complexity, but it also increases the capital gains that your super fund has to pay for you. So retaining your fund and switching investors within the fund did work out more appropriate. With the investments,\n\nChannel 1: Yes.\n\nChannel 0: one of the investments we sort of talked about when we caught up a few months back was the Benelon Australian Equities. Do you remember we sort of talked about how that fund was\n\nChannel 1: Yes.\n\nChannel 0: underperforming? Yeah. So what I'm recommending is that we definitely sell that fund off. We have, as I said, been underperforming. We don't want you to be in any underperforming investments there.\n\nBut I'm also making a recommendation that we update the portfolio as a whole as well because for the portfolio that you were in back when you came on board, whilst has done very well and put you in a really great position, it's important to keep updating that as time changes as well. So what you'll see when you do look at the advice document, I am making a recommendation that we sell off some of the investments. We're gonna sell off the Benelong Australian Equities, the ClearBridge Infrastructure Fund, the Bank hybrids because they being phased out by the government down the track there as well, the global agriculture. The physical goal we wanna keep, but we're gonna rebalance it back a little bit. You've had some really great growth in that area, and we just wanna cement some of the gains and have the the the capital gains reinvested into other areas for you.\n\nWe are keeping cybersecurity by just rebalancing it back a little bit. You're a bit overexposed in that at the moment. And then with the s and p 500, we wanna keep that exposure and buy some more of it. We're also then going to buy into some Europeans and Japanese and some all world exposure. So one of the big things with your portfolio is to diversify.\n\nOne of the best ways to to mitigate market risk is to diversify over different asset classes in different countries. So we're adding some European, some Japanese exposure, and the Vanguard all world index as well. That way you're getting exposure across the entire globe there. Because we are removing the Ben along Australian Equities investment, which is the one that's underperformed, we still wanna keep some Australian exposure. So we're gonna replace that with the BetaShares a 200.\n\nIt's essentially giving you exposures to the top 200 con companies on the ASX. So it's giving you, again, more diversification. It's a much cheaper investment as well, so it helps to reduce the cost of your investment portfolio. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: Sounds\n\nChannel 0: the last\n\nChannel 1: good.\n\nChannel 0: change we're going the last change we're going to make is because we are removing the bank hybrids there, we wanna keep some lower risk defensive investments. So we're gonna make your defensive component in the core composite bonds, so giving you access to both government and corporate bonds there. I won't go too deep into that. I try to keep it as easy as possible. When you have a look at page number 17 of the advice document, turn your eyes over it.\n\nAll the red is what we're selling. All the green is what we're buying, and the last column will show you how much we expect you to have invested in that portfolio once we've made that change. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: If you when you look at that bit later, if you do have any questions, email me back and let me know or give me a call, and I'll happily explain it to you in a lot more detail. It is really\n\nChannel 1: Will\n\nChannel 0: important\n\nChannel 1: do.\n\nChannel 0: that I don't wanna overcomplicate it for you, but just make you so that we touch on the areas that we need to at the same time. One of the the reasons that we do wanna make this change is that when we have a look at your portfolio that you're currently in, it has been performing nicely. However, the newer portfolio actually saves you an investment fee. So as I kinda mentioned, it's a bit cheaper. When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings.\n\nThat's more money\n\nChannel 1: Yes.\n\nChannel 0: staying in your super fund invested for you for your longer term. There's no change to the insurances. We're keeping the insurances exactly as they are with your current life and TBD, and we're not looking at getting any new income protection or trauma at this time. One of the things is sort of meant that you are happy with that level of cover. If at\n\nChannel 1: Yes.\n\nChannel 0: any point\n\nChannel 1: Apartment.\n\nChannel 0: you wanted to reevaluate that, you just let me know. Okay?\n\nChannel 1: Okay. Alright.\n\nChannel 0: Excellent. The other thing to sort of make mention of is that your the current portfolio. When we kind of look at the past performance of the investments, the current portfolio has averaged about 9.78% on a yearly basis there, which is absolutely great. However, when we look at the past performance of the newer portfolio, it's averaged the higher rate of return. So the last five year rolling average, it's averaged about 11.57%.\n\nSo when you sort of factor in contributions, the insurance premiums, and the savings with regards to the investments, we can sort of see over the next five to ten years, we would expect you to be in a much greater position. So that's also the reason why we are looking to make the change with the investments there. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Excellent. I do have to let you know there is obviously a CGT effect. So when we do look at the research, we also note that there is a a capital gains or a tax consequence there. Just like you, your super fund does a tax return every year. And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156.\n\nSo that taxation would be covered for all inside super. It doesn't have any effect on you personally, but it means that your super fund does pay the tax consequence based on the change. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah. Beautiful. The only other thing to kinda make mention is we also looked at the estate planning side of things. So one of the things that you wanted to sort of make sure was that your beneficiary was set up in line to make sure that it could be paid to your children in the most tax advantage way. So the what I've actually set up, because your kids are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative.\n\nThis essentially means that by updating this in the event of you, say, passing away, your super is paid to your estate. We just need to make sure you have a will that is up to date and reflective, and then your super can be paid out to your beneficiaries in a more tax effective way through your state. Essentially, by\n\nChannel 1: Okay.\n\nChannel 0: nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%. So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive. So it's a much more tax effective way. And directing it through your will, you have a lot more control around how you want it paid, who to, what amounts, and it all gets lumped in with all your other assets as well to make it a bit easier. Does that make sense?\n\nChannel 1: Okay. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: have to update my will because a few things have changed. So if that makes sense, I can make those adjustments.\n\nChannel 0: Absolutely. Absolutely. Look. What I'll let let you to do, go back and have a bit of a read of the documents there. I know it is a lot and not looking at it, it can sort of seem like I'm talking at you.\n\nSo feel free to go back and have a look at that in your email there. If you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well. Does that sound okay?\n\nChannel 1: That's fine. But can I just make point out that the\n\nChannel 0: Yeah.\n\nChannel 1: time frame I'm on Perth time, not Queensland time?\n\nChannel 0: Oh, are\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: I don't\n\nChannel 0: okay?\n\nChannel 1: so I don't finish work usually until four. So\n\nChannel 0: Right.\n\nChannel 1: do I have to be after 5PM Western Standard Time, not Queensland\n\nChannel 0: Yep.\n\nChannel 1: time?\n\nChannel 0: Absolutely. So sorry. So when they booked this one in with you, was that something you've that that was kinda confirmed? Was it because it's been booked in for 05:00 Queensland time, and I do absolutely apologize for that.\n\nChannel 1: No. I I\n\nChannel 0: Yes. Perfect.\n\nChannel 1: I did ask for Perth\n\nChannel 0: Perfect. So sorry about that, Lisa. Look. I will let you go, and I thank you so much for your time.\n\nChannel 1: time.\n\nChannel 0: Feel free to\n\nChannel 1: No.\n\nChannel 0: have\n\nChannel 1: But\n\nChannel 0: a look through the document and let me know, and I'll make sure that that note is there, that it's always 5PM per four 04:00 past time, no earlier. Is that right?\n\nChannel 1: That is correct.\n\nChannel 0: Yep. Perfect. I will have that updated for you. I do apologize for the miscommunication\n\nChannel 1: No.\n\nChannel 0: there.\n\nChannel 1: All good.\n\nChannel 0: Thank you so much. I hope you have a good day. I hope everything goes okay with your with your dog in the appointment.\n\nChannel 1: Yeah. She's gotta have some stitches out and they're ashamed the kind of shame removed. So\n\nChannel 0: Oh, the cone ish shave. I love the way you put that.\n\nChannel 1: I call it these radar niche, but anyway.\n\nChannel 0: I love it. I love it. Well, I will let you go because I can hear you're there and ready to go. And I thank you so much\n\nChannel 1: Yep.\n\nChannel 0: for calling back and taking my call. I really, really appreciate\n\nChannel 1: No problem. Thank you.\n\nChannel 0: that. Thanks, Lisa. Talk soon. See you later.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.04,"end":1.28,"sentiment":"neutral","sentiment_score":0.2598850727081299},{"text":"Good afternoon, Lisa.","start":1.28,"end":2.1599998,"sentiment":"positive","sentiment_score":0.48397507270177204},{"text":"This is Dana.","start":2.1599998,"end":3.04,"sentiment":"positive","sentiment_score":0.46310463547706604},{"text":"How are you?","start":3.04,"end":3.9399998,"sentiment":"positive","sentiment_score":0.38778045773506165}],"sentiment":"positive","sentiment_score":0.4264465570449829,"channel":0,"num_words":10,"start":1.04,"end":3.9399998},{"sentences":[{"text":"I'm not bad.","start":5.04,"end":5.68,"sentiment":"positive","sentiment_score":0.42592352628707886},{"text":"How are you, 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booked in just to run through your updated statement of advice.","start":27.88,"end":31.32,"sentiment":"neutral","sentiment_score":-0.061848126884017675},{"text":"Is now still a good time to go through that with you?","start":31.32,"end":33.82,"sentiment":"neutral","sentiment_score":0.040307591358820595}],"sentiment":"neutral","sentiment_score":-0.08075815439224243,"channel":0,"num_words":34,"start":25.384998,"end":33.82},{"sentences":[{"text":"Yeah.","start":34.579998,"end":34.98,"sentiment":"neutral","sentiment_score":0.04668766260147095},{"text":"Sure.","start":34.98,"end":35.48,"sentiment":"neutral","sentiment_score":0.08108444511890411}],"sentiment":"neutral","sentiment_score":0.06388605386018753,"channel":1,"num_words":2,"start":34.579998,"end":35.48},{"sentences":[{"text":"Yeah.","start":36.12,"end":36.44,"sentiment":"neutral","sentiment_score":0.09516134858131409},{"text":"That's 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fund and switching investors within the fund did work out more appropriate.","start":447.78,"end":452.28,"sentiment":"positive","sentiment_score":0.3343771209319433},{"text":"With the investments,","start":452.98,"end":454.04,"sentiment":"neutral","sentiment_score":0.10231334716081619}],"sentiment":"positive","sentiment_score":0.33866571746766566,"channel":0,"num_words":60,"start":434.685,"end":454.04},{"sentences":[{"text":"Yes.","start":453.57,"end":454.07,"sentiment":"neutral","sentiment_score":0.10741020739078522}],"sentiment":"neutral","sentiment_score":0.10741020739078522,"channel":1,"num_words":1,"start":453.57,"end":454.07},{"sentences":[{"text":"one of the investments we sort of talked about when we caught up a few months back was the Benelon Australian Equities.","start":454.34,"end":459.62,"sentiment":"neutral","sentiment_score":0.05733754689043218},{"text":"Do you remember we sort of talked about how that fund 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diversify.","start":538.24,"end":542.02,"sentiment":"neutral","sentiment_score":0.2779715235034625}],"sentiment":"neutral","sentiment_score":0.1048732774113031,"channel":0,"num_words":68,"start":521.84503,"end":542.02},{"sentences":[{"text":"One of the best ways to to mitigate market risk is to diversify over different asset classes in different countries.","start":542.56,"end":550.04504,"sentiment":"neutral","sentiment_score":0.23415592275559902},{"text":"So we're adding some European, some Japanese exposure, and the Vanguard all world index as well.","start":550.04504,"end":556.84503,"sentiment":"neutral","sentiment_score":0.2137541794218123},{"text":"That way you're getting exposure across the entire globe there.","start":556.84503,"end":560.385,"sentiment":"neutral","sentiment_score":0.23178473114967346},{"text":"Because we are removing the Ben along Australian Equities investment, which is the one that's underperformed, we still wanna keep some Australian exposure.","start":561.57,"end":568.63,"sentiment":"neutral","sentiment_score":0.12346690504447273},{"text":"So we're gonna replace that with the BetaShares a 200.","start":568.93,"end":572.07,"sentiment":"neutral","sentiment_score":0.19932428300380706}],"sentiment":"neutral","sentiment_score":0.1930887883977045,"channel":0,"num_words":79,"start":542.56,"end":572.07},{"sentences":[{"text":"It's essentially giving you exposures to the top 200 con companies on the ASX.","start":572.37,"end":577.045,"sentiment":"neutral","sentiment_score":0.3029382824897766},{"text":"So it's giving you, again, more diversification.","start":577.50494,"end":579.365,"sentiment":"positive","sentiment_score":0.46495102984564646},{"text":"It's a much cheaper investment as well, so it helps to reduce the cost of your investment portfolio.","start":579.82495,"end":585.52496,"sentiment":"positive","sentiment_score":0.5497888442542818},{"text":"Okay?","start":586.25995,"end":586.75995,"sentiment":"neutral","sentiment_score":0.22621089220046997}],"sentiment":"positive","sentiment_score":0.4404550813138485,"channel":0,"num_words":40,"start":572.37,"end":586.75995},{"sentences":[{"text":"Yep.","start":587.98004,"end":588.48004,"sentiment":"neutral","sentiment_score":0.2603721022605896}],"sentiment":"neutral","sentiment_score":0.2603721022605896,"channel":1,"num_words":1,"start":587.98004,"end":588.48004},{"sentences":[{"text":"And 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going to make is because we are removing the bank hybrids there, we wanna keep some lower risk defensive investments.","start":589.38,"end":598.57996,"sentiment":"neutral","sentiment_score":0.19775219565188443},{"text":"So we're gonna make your defensive component in the core composite bonds, so giving you access to both government and corporate bonds there.","start":598.57996,"end":607.205,"sentiment":"neutral","sentiment_score":0.319716092037118},{"text":"I won't go too deep into that.","start":607.265,"end":608.945,"sentiment":"neutral","sentiment_score":0.09438412636518478},{"text":"I try to keep it as easy as possible.","start":608.945,"end":610.96497,"sentiment":"neutral","sentiment_score":0.31057700845930314},{"text":"When you have a look at page number 17 of the advice document, turn your eyes over it.","start":611.02496,"end":616.02,"sentiment":"neutral","sentiment_score":0.1264698219796022}],"sentiment":"neutral","sentiment_score":0.21934664471163637,"channel":0,"num_words":84,"start":589.38,"end":616.02},{"sentences":[{"text":"All the red is what we're selling.","start":616.18,"end":617.94,"sentiment":"neutral","sentiment_score":0.25556047686508726},{"text":"All the green is what we're buying, and the last column will show you how much we expect you to have invested in that portfolio once we've made that change.","start":617.94,"end":626.12,"sentiment":"neutral","sentiment_score":0.30341292172670364},{"text":"Okay?","start":626.18,"end":626.68,"sentiment":"neutral","sentiment_score":0.15316475927829742}],"sentiment":"neutral","sentiment_score":0.2906440986614478,"channel":0,"num_words":38,"start":616.18,"end":626.68},{"sentences":[{"text":"No worries.","start":627.31,"end":628.05,"sentiment":"positive","sentiment_score":0.34017810225486755}],"sentiment":"positive","sentiment_score":0.34017810225486755,"channel":1,"num_words":2,"start":627.31,"end":628.05},{"sentences":[{"text":"Excellent.","start":628.58,"end":629.08,"sentiment":"positive","sentiment_score":0.6993224620819092}],"sentiment":"positive","sentiment_score":0.6993224620819092,"channel":0,"num_words":1,"start":628.58,"end":629.08},{"sentences":[{"text":"Yep.","start":628.75,"end":629.25,"sentiment":"positive","sentiment_score":0.4404337406158447}],"sentiment":"positive","sentiment_score":0.4404337406158447,"channel":1,"num_words":1,"start":628.75,"end":629.25},{"sentences":[{"text":"If you when you look at that bit later, if you do have any questions, email me back and let me know or give me a call, and I'll happily explain it to you in a lot more detail.","start":629.28503,"end":637.22504,"sentiment":"positive","sentiment_score":0.33569339911142987},{"text":"It is really","start":637.925,"end":638.645,"sentiment":"neutral","sentiment_score":0.23219952980677286}],"sentiment":"neutral","sentiment_score":0.3283009798753829,"channel":0,"num_words":42,"start":629.28503,"end":638.645},{"sentences":[{"text":"Will","start":638.425,"end":638.66504,"sentiment":"neutral","sentiment_score":0.1995234340429306}],"sentiment":"neutral","sentiment_score":0.1995234340429306,"channel":1,"num_words":1,"start":638.425,"end":638.66504},{"sentences":[{"text":"important","start":638.645,"end":639.125,"sentiment":"neutral","sentiment_score":0.19175516068935392}],"sentiment":"neutral","sentiment_score":0.19175516068935392,"channel":0,"num_words":1,"start":638.645,"end":639.125},{"sentences":[{"text":"do.","start":638.66504,"end":639.16504,"sentiment":"neutral","sentiment_score":0.018359936773777008}],"sentiment":"neutral","sentiment_score":0.018359936773777008,"channel":1,"num_words":1,"start":638.66504,"end":639.16504},{"sentences":[{"text":"that I don't wanna overcomplicate it for you, but just make you so that we touch on the areas that we need to at the same time.","start":639.125,"end":646.23,"sentiment":"neutral","sentiment_score":0.06731657620036492},{"text":"One of the the reasons that we do wanna make this change is that when we have a look at your portfolio that you're currently in, it has been performing nicely.","start":647.08997,"end":655.51,"sentiment":"positive","sentiment_score":0.35505683912384894},{"text":"However, the newer portfolio actually saves you an investment fee.","start":656.625,"end":659.74506,"sentiment":"positive","sentiment_score":0.43650111854076384},{"text":"So as I kinda mentioned, it's a bit cheaper.","start":659.74506,"end":662.16504,"sentiment":"positive","sentiment_score":0.4545122981071472},{"text":"When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings.","start":662.465,"end":673.98004,"sentiment":"positive","sentiment_score":0.5293334634865031}],"sentiment":"positive","sentiment_score":0.3538492720465067,"channel":0,"num_words":111,"start":639.125,"end":673.98004},{"sentences":[{"text":"That's more money","start":674.44,"end":675.4,"sentiment":"positive","sentiment_score":0.464632789293925}],"sentiment":"positive","sentiment_score":0.464632789293925,"channel":0,"num_words":3,"start":674.44,"end":675.4},{"sentences":[{"text":"Yes.","start":675.32,"end":675.82,"sentiment":"positive","sentiment_score":0.43438661098480225}],"sentiment":"positive","sentiment_score":0.43438661098480225,"channel":1,"num_words":1,"start":675.32,"end":675.82},{"sentences":[{"text":"staying in your super fund invested for you for your longer term.","start":675.4,"end":678.94,"sentiment":"positive","sentiment_score":0.5639810264110565},{"text":"There's no change to the insurances.","start":679.48004,"end":681.26,"sentiment":"neutral","sentiment_score":0.13086008528868356},{"text":"We're keeping the insurances exactly as they are with your current life and TBD, and we're not looking at getting any new income protection or trauma at this time.","start":681.4,"end":689.925,"sentiment":"neutral","sentiment_score":0.05875945014172587},{"text":"One of the things is sort of meant that you are happy with that level of cover.","start":689.925,"end":693.225,"sentiment":"neutral","sentiment_score":0.2410918693332111},{"text":"If at","start":693.845,"end":694.165,"sentiment":"neutral","sentiment_score":0.024280404672026634}],"sentiment":"neutral","sentiment_score":0.20309211319368897,"channel":0,"num_words":66,"start":675.4,"end":694.165},{"sentences":[{"text":"Yes.","start":694.10504,"end":694.42505,"sentiment":"neutral","sentiment_score":0.021635474637150764}],"sentiment":"neutral","sentiment_score":0.021635474637150764,"channel":1,"num_words":1,"start":694.10504,"end":694.42505},{"sentences":[{"text":"any point","start":694.165,"end":694.64496,"sentiment":"neutral","sentiment_score":0.0038855262100696564}],"sentiment":"neutral","sentiment_score":0.0038855262100696564,"channel":0,"num_words":2,"start":694.165,"end":694.64496},{"sentences":[{"text":"Apartment.","start":694.42505,"end":694.92505,"sentiment":"neutral","sentiment_score":0.0003700302913784981}],"sentiment":"neutral","sentiment_score":0.0003700302913784981,"channel":1,"num_words":1,"start":694.42505,"end":694.92505},{"sentences":[{"text":"you wanted to reevaluate that, you just let me know.","start":694.64496,"end":697.46497,"sentiment":"neutral","sentiment_score":-0.0020642305724322798},{"text":"Okay?","start":697.52496,"end":698.02496,"sentiment":"neutral","sentiment_score":0.018558606505393985}],"sentiment":"neutral","sentiment_score":-0.00018942720172080094,"channel":0,"num_words":11,"start":694.64496,"end":698.02496},{"sentences":[{"text":"Okay.","start":698.585,"end":699.085,"sentiment":"neutral","sentiment_score":0.04757090657949448},{"text":"Alright.","start":699.465,"end":699.965,"sentiment":"neutral","sentiment_score":0.18508681654930115}],"sentiment":"neutral","sentiment_score":0.11632886156439781,"channel":1,"num_words":2,"start":698.585,"end":699.965},{"sentences":[{"text":"Excellent.","start":700.26996,"end":700.76996,"sentiment":"positive","sentiment_score":0.3874766230583191},{"text":"The other thing to sort of make mention of is that your the current portfolio.","start":700.99,"end":704.85,"sentiment":"neutral","sentiment_score":0.11156698018312454},{"text":"When we kind of look at the past performance of the investments, the current portfolio has averaged about 9.78% on a yearly basis there, which is absolutely great.","start":704.99,"end":714.495,"sentiment":"neutral","sentiment_score":0.1689649945391076},{"text":"However, when we look at the past performance of the newer portfolio, it's averaged the higher rate of return.","start":714.495,"end":719.535,"sentiment":"neutral","sentiment_score":0.1186814366986877},{"text":"So the last five year rolling average, it's averaged about 11.57%.","start":719.535,"end":724.415,"sentiment":"neutral","sentiment_score":0.1536462510173971}],"sentiment":"neutral","sentiment_score":0.14509536799144102,"channel":0,"num_words":74,"start":700.26996,"end":724.415},{"sentences":[{"text":"So when you sort of factor in contributions, the insurance premiums, and the savings with regards to the investments, we can sort of see over the next five to ten years, we would expect you to be in a much greater position.","start":724.415,"end":735.23004,"sentiment":"neutral","sentiment_score":0.2564758913857596},{"text":"So that's also the reason why we are looking to make the change with the investments there.","start":735.37006,"end":739.36505,"sentiment":"neutral","sentiment_score":0.15648916451370015},{"text":"Okay?","start":740.145,"end":740.645,"sentiment":"neutral","sentiment_score":0.09049056470394136}],"sentiment":"neutral","sentiment_score":0.2253798966606458,"channel":0,"num_words":60,"start":724.415,"end":740.645},{"sentences":[{"text":"No worries.","start":741.25,"end":741.91003,"sentiment":"neutral","sentiment_score":0.17859956622123718}],"sentiment":"neutral","sentiment_score":0.17859956622123718,"channel":1,"num_words":2,"start":741.25,"end":741.91003},{"sentences":[{"text":"Excellent.","start":742.465,"end":742.965,"sentiment":"positive","sentiment_score":0.43810397386550903},{"text":"I do have to let you know there is obviously a CGT effect.","start":743.185,"end":746.625,"sentiment":"neutral","sentiment_score":0.09224193399915329},{"text":"So when we do look at the research, we also note that there is a a capital gains or a tax consequence there.","start":746.625,"end":752.97,"sentiment":"neutral","sentiment_score":0.05449504672509173},{"text":"Just like you, your super fund does a tax return every year.","start":753.44995,"end":756.67,"sentiment":"neutral","sentiment_score":0.1679579404493173},{"text":"And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156.","start":756.81,"end":765.05,"sentiment":"neutral","sentiment_score":0.12216928635131229}],"sentiment":"neutral","sentiment_score":0.1069557010655252,"channel":0,"num_words":71,"start":742.465,"end":765.05},{"sentences":[{"text":"So that taxation would be covered for all inside super.","start":765.05,"end":768.475,"sentiment":"neutral","sentiment_score":0.2368927590548992},{"text":"It doesn't have any effect on you personally, but it means that your super fund does pay the tax consequence based on the change.","start":768.535,"end":774.615,"sentiment":"neutral","sentiment_score":0.18861387421687445},{"text":"Does that make sense?","start":774.615,"end":775.675,"sentiment":"neutral","sentiment_score":0.13958105072379112}],"sentiment":"neutral","sentiment_score":0.1961574940697143,"channel":0,"num_words":38,"start":765.05,"end":775.675},{"sentences":[{"text":"Yes.","start":776.525,"end":776.84503,"sentiment":"neutral","sentiment_score":0.24393494427204132},{"text":"It 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are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative.","start":795.58496,"end":807.045,"sentiment":"neutral","sentiment_score":0.250799388728208}],"sentiment":"neutral","sentiment_score":0.2635364884821077,"channel":0,"num_words":96,"start":777.895,"end":807.045},{"sentences":[{"text":"This essentially means that by updating this in the event of you, say, passing away, your super is paid to your estate.","start":807.58496,"end":814.27997,"sentiment":"neutral","sentiment_score":0.24472768740220505},{"text":"We just need to make sure you have a will that is up to date and reflective, and then your super can be paid out to your beneficiaries in a more tax effective way through your state.","start":814.58,"end":824.12,"sentiment":"positive","sentiment_score":0.35955164762767583},{"text":"Essentially, by","start":824.975,"end":825.77496,"sentiment":"neutral","sentiment_score":0.10795990750193596}],"sentiment":"neutral","sentiment_score":0.3098908180340392,"channel":0,"num_words":61,"start":807.58496,"end":825.77496},{"sentences":[{"text":"Okay.","start":825.66,"end":826.16,"sentiment":"neutral","sentiment_score":0.21433165669441223}],"sentiment":"neutral","sentiment_score":0.21433165669441223,"channel":1,"num_words":1,"start":825.66,"end":826.16},{"sentences":[{"text":"nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%.","start":825.77496,"end":837.795,"sentiment":"neutral","sentiment_score":0.29219736804564794},{"text":"So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive.","start":837.855,"end":847.67,"sentiment":"positive","sentiment_score":0.4871291824749538},{"text":"So it's a much more tax effective way.","start":847.67,"end":849.82996,"sentiment":"positive","sentiment_score":0.6296941265463829},{"text":"And directing it through your will, you have a lot more control around how you want it paid, who to, what amounts, and it all gets lumped in with all your other assets as well to make it a bit easier.","start":849.82996,"end":859.65497,"sentiment":"positive","sentiment_score":0.5181831281359602},{"text":"Does that make sense?","start":859.795,"end":860.935,"sentiment":"neutral","sentiment_score":0.2467050924897194}],"sentiment":"positive","sentiment_score":0.4498756276601452,"channel":0,"num_words":118,"start":825.77496,"end":860.935},{"sentences":[{"text":"Okay.","start":861.395,"end":861.635,"sentiment":"neutral","sentiment_score":0.07515417039394379},{"text":"Yeah.","start":861.635,"end":862.115,"sentiment":"neutral","sentiment_score":0.08190415054559708},{"text":"I","start":862.115,"end":862.275,"sentiment":"neutral","sentiment_score":0.053446173667907715}],"sentiment":"neutral","sentiment_score":0.07016816486914952,"channel":1,"num_words":3,"start":861.395,"end":862.275},{"sentences":[{"text":"Yeah.","start":862.27496,"end":862.77496,"sentiment":"neutral","sentiment_score":0.047881901264190674}],"sentiment":"neutral","sentiment_score":0.047881901264190674,"channel":0,"num_words":1,"start":862.27496,"end":862.77496},{"sentences":[{"text":"have to update my will because a few things have changed.","start":862.275,"end":865.235,"sentiment":"neutral","sentiment_score":0.021184598688374866},{"text":"So if that makes sense, I can make those adjustments.","start":865.235,"end":867.655,"sentiment":"neutral","sentiment_score":0.07993416227400303}],"sentiment":"neutral","sentiment_score":0.0491605813481978,"channel":1,"num_words":21,"start":862.275,"end":867.655},{"sentences":[{"text":"Absolutely.","start":869.04,"end":869.51996,"sentiment":"positive","sentiment_score":0.4745374023914337},{"text":"Absolutely.","start":869.51996,"end":870.01996,"sentiment":"positive","sentiment_score":0.33704543113708496},{"text":"Look.","start":870.64,"end":870.88,"sentiment":"neutral","sentiment_score":0.1798665076494217},{"text":"What I'll let let you to do, go back and have a bit of a read of the documents there.","start":870.88,"end":874.56,"sentiment":"neutral","sentiment_score":0.15282991640269755},{"text":"I know it is a lot and not looking at it, it can sort of seem like I'm talking at you.","start":874.56,"end":878.82,"sentiment":"neutral","sentiment_score":-0.019302734900044187}],"sentiment":"neutral","sentiment_score":0.08278841446206736,"channel":0,"num_words":44,"start":869.04,"end":878.82},{"sentences":[{"text":"So feel free to go back and have a look at that in your email there.","start":879.12,"end":882.625,"sentiment":"neutral","sentiment_score":0.15865448582917452},{"text":"If you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well.","start":882.685,"end":891.405,"sentiment":"neutral","sentiment_score":0.17937357378442112},{"text":"Does that sound okay?","start":891.405,"end":892.545,"sentiment":"neutral","sentiment_score":0.13204427063465118}],"sentiment":"neutral","sentiment_score":0.17083549804863382,"channel":0,"num_words":61,"start":879.12,"end":892.545},{"sentences":[{"text":"That's fine.","start":893.485,"end":894.46497,"sentiment":"neutral","sentiment_score":0.14731014519929886},{"text":"But can I just make point out that the","start":894.52496,"end":898.385,"sentiment":"neutral","sentiment_score":0.003470068900949425}],"sentiment":"neutral","sentiment_score":0.029622810046103867,"channel":1,"num_words":11,"start":893.485,"end":898.385},{"sentences":[{"text":"Yeah.","start":898.43,"end":898.93,"sentiment":"neutral","sentiment_score":0.001942850649356842}],"sentiment":"neutral","sentiment_score":0.001942850649356842,"channel":0,"num_words":1,"start":898.43,"end":898.93},{"sentences":[{"text":"time frame I'm on Perth time, not Queensland time?","start":899.08496,"end":903.58496,"sentiment":"neutral","sentiment_score":-0.013304332374698587}],"sentiment":"neutral","sentiment_score":-0.013304332374698587,"channel":1,"num_words":9,"start":899.08496,"end":903.58496},{"sentences":[{"text":"Oh, 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don't","start":905.22003,"end":905.88,"sentiment":"neutral","sentiment_score":-0.10594213753938675}],"sentiment":"neutral","sentiment_score":-0.10594213753938675,"channel":1,"num_words":2,"start":905.22003,"end":905.88},{"sentences":[{"text":"okay?","start":905.47003,"end":905.97003,"sentiment":"neutral","sentiment_score":-0.1045309156179428}],"sentiment":"neutral","sentiment_score":-0.1045309156179428,"channel":0,"num_words":1,"start":905.47003,"end":905.97003},{"sentences":[{"text":"so I don't finish work usually until four.","start":908.42004,"end":911.4,"sentiment":"neutral","sentiment_score":-0.12421734351664782},{"text":"So","start":911.78,"end":912.28,"sentiment":"neutral","sentiment_score":-0.016489302739501}],"sentiment":"neutral","sentiment_score":-0.11224756120807594,"channel":1,"num_words":9,"start":908.42004,"end":912.28},{"sentences":[{"text":"Right.","start":912.605,"end":913.105,"sentiment":"neutral","sentiment_score":-0.012842264026403429}],"sentiment":"neutral","sentiment_score":-0.012842264026403429,"channel":0,"num_words":1,"start":912.605,"end":913.105},{"sentences":[{"text":"do I have to be after 5PM Western Standard Time, not Queensland","start":914.34,"end":919.16003,"sentiment":"neutral","sentiment_score":-0.019230460670466226}],"sentiment":"neutral","sentiment_score":-0.019230460670466226,"channel":1,"num_words":12,"start":914.34,"end":919.16003},{"sentences":[{"text":"Yep.","start":918.845,"end":919.345,"sentiment":"neutral","sentiment_score":-0.0031319386325776577}],"sentiment":"neutral","sentiment_score":-0.0031319386325776577,"channel":0,"num_words":1,"start":918.845,"end":919.345},{"sentences":[{"text":"time?","start":919.30005,"end":919.80005,"sentiment":"neutral","sentiment_score":-0.0017960602417588234}],"sentiment":"neutral","sentiment_score":-0.0017960602417588234,"channel":1,"num_words":1,"start":919.30005,"end":919.80005},{"sentences":[{"text":"Absolutely.","start":920.52496,"end":921.02496,"sentiment":"neutral","sentiment_score":0.01404502522200346},{"text":"So sorry.","start":921.32495,"end":922.045,"sentiment":"neutral","sentiment_score":-0.09158734232187271},{"text":"So when they booked this one in with you, was that something you've that that was kinda confirmed?","start":922.045,"end":927.33,"sentiment":"neutral","sentiment_score":-0.0740423829605182},{"text":"Was it because it's been booked in for 05:00 Queensland time, and I do absolutely apologize for that.","start":927.33,"end":932.07,"sentiment":"neutral","sentiment_score":-0.21409763561354744}],"sentiment":"neutral","sentiment_score":-0.1373243588142288,"channel":0,"num_words":39,"start":920.52496,"end":932.07},{"sentences":[{"text":"No.","start":931.675,"end":932.175,"sentiment":"neutral","sentiment_score":-0.11943715810775755},{"text":"I I","start":932.235,"end":932.955,"sentiment":"neutral","sentiment_score":-0.08446786180138588}],"sentiment":"neutral","sentiment_score":-0.09612429390350978,"channel":1,"num_words":3,"start":931.675,"end":932.955},{"sentences":[{"text":"Yes.","start":932.61,"end":932.77,"sentiment":"neutral","sentiment_score":0.04038982465863228},{"text":"Perfect.","start":932.77,"end":933.27,"sentiment":"neutral","sentiment_score":0.17021794617176056}],"sentiment":"neutral","sentiment_score":0.10530388541519642,"channel":0,"num_words":2,"start":932.61,"end":933.27},{"sentences":[{"text":"I did ask for Perth","start":932.955,"end":936.35004,"sentiment":"neutral","sentiment_score":0.0766467958688736}],"sentiment":"neutral","sentiment_score":0.0766467958688736,"channel":1,"num_words":5,"start":932.955,"end":936.35004},{"sentences":[{"text":"Perfect.","start":937.17,"end":937.67,"sentiment":"neutral","sentiment_score":0.11020271480083466},{"text":"So sorry about that, Lisa.","start":938.285,"end":939.805,"sentiment":"neutral","sentiment_score":-0.08243971690535545},{"text":"Look.","start":939.805,"end":940.125,"sentiment":"neutral","sentiment_score":0.1223088949918747},{"text":"I will let you go, and I thank you so much for your time.","start":940.125,"end":942.545,"sentiment":"positive","sentiment_score":0.4326129736644881}],"sentiment":"neutral","sentiment_score":0.27985212650327457,"channel":0,"num_words":21,"start":937.17,"end":942.545},{"sentences":[{"text":"time.","start":942.25,"end":942.75,"sentiment":"neutral","sentiment_score":0.032824743539094925}],"sentiment":"neutral","sentiment_score":0.032824743539094925,"channel":1,"num_words":1,"start":942.25,"end":942.75},{"sentences":[{"text":"Feel free to","start":943.165,"end":943.64496,"sentiment":"neutral","sentiment_score":0.039095807199676834}],"sentiment":"neutral","sentiment_score":0.039095807199676834,"channel":0,"num_words":3,"start":943.165,"end":943.64496},{"sentences":[{"text":"No.","start":943.53,"end":943.77,"sentiment":"neutral","sentiment_score":-0.014031367376446724}],"sentiment":"neutral","sentiment_score":-0.014031367376446724,"channel":1,"num_words":1,"start":943.53,"end":943.77},{"sentences":[{"text":"have","start":943.64496,"end":943.805,"sentiment":"neutral","sentiment_score":-0.008642904460430145}],"sentiment":"neutral","sentiment_score":-0.008642904460430145,"channel":0,"num_words":1,"start":943.64496,"end":943.805},{"sentences":[{"text":"But","start":943.77,"end":944.09,"sentiment":"neutral","sentiment_score":-0.004731267690658569}],"sentiment":"neutral","sentiment_score":-0.004731267690658569,"channel":1,"num_words":1,"start":943.77,"end":944.09},{"sentences":[{"text":"a look through the document and let me know, and I'll make sure that that note is there, that it's always 5PM per four 04:00 past time, no earlier.","start":943.805,"end":950.65,"sentiment":"neutral","sentiment_score":0.01736138664699834},{"text":"Is that right?","start":950.65,"end":952.70996,"sentiment":"neutral","sentiment_score":0.03235745678345362}],"sentiment":"neutral","sentiment_score":0.018767268222291023,"channel":0,"num_words":32,"start":943.805,"end":952.70996},{"sentences":[{"text":"That is correct.","start":952.28503,"end":953.185,"sentiment":"neutral","sentiment_score":0.14680903404951096}],"sentiment":"neutral","sentiment_score":0.14680903404951096,"channel":1,"num_words":3,"start":952.28503,"end":953.185},{"sentences":[{"text":"Yep.","start":953.69,"end":954.17,"sentiment":"neutral","sentiment_score":0.19953438639640808},{"text":"Perfect.","start":954.17,"end":954.67,"sentiment":"positive","sentiment_score":0.49060875177383423},{"text":"I will have that updated for you.","start":954.97,"end":956.41,"sentiment":"positive","sentiment_score":0.39401641488075256},{"text":"I do apologize for the miscommunication","start":956.41,"end":958.19,"sentiment":"neutral","sentiment_score":-0.09310739487409592}],"sentiment":"neutral","sentiment_score":0.19264091153939564,"channel":0,"num_words":15,"start":953.69,"end":958.19},{"sentences":[{"text":"No.","start":958.365,"end":958.765,"sentiment":"neutral","sentiment_score":-0.10671080648899078}],"sentiment":"neutral","sentiment_score":-0.10671080648899078,"channel":1,"num_words":1,"start":958.365,"end":958.765},{"sentences":[{"text":"there.","start":958.57,"end":959.07,"sentiment":"neutral","sentiment_score":-0.033793896436691284}],"sentiment":"neutral","sentiment_score":-0.033793896436691284,"channel":0,"num_words":1,"start":958.57,"end":959.07},{"sentences":[{"text":"All good.","start":958.765,"end":959.505,"sentiment":"neutral","sentiment_score":0.28407783806324005}],"sentiment":"neutral","sentiment_score":0.28407783806324005,"channel":1,"num_words":2,"start":958.765,"end":959.505},{"sentences":[{"text":"Thank you so much.","start":960.17,"end":961.13,"sentiment":"positive","sentiment_score":0.6667924672365189},{"text":"I hope you have a good day.","start":961.13,"end":962.33,"sentiment":"positive","sentiment_score":0.5807837247848511},{"text":"I hope everything goes okay with your with your dog in the appointment.","start":962.33,"end":966.03,"sentiment":"positive","sentiment_score":0.4873109734975375}],"sentiment":"positive","sentiment_score":0.5444874415795008,"channel":0,"num_words":24,"start":960.17,"end":966.03},{"sentences":[{"text":"Yeah.","start":967.09,"end":967.49005,"sentiment":"neutral","sentiment_score":0.0187225379049778},{"text":"She's gotta have some stitches out and they're ashamed the kind of shame removed.","start":967.49005,"end":971.33,"sentiment":"neutral","sentiment_score":-0.26960735289113863},{"text":"So","start":971.33,"end":971.83,"sentiment":"neutral","sentiment_score":-0.02044054865837097}],"sentiment":"neutral","sentiment_score":-0.23601380945183337,"channel":1,"num_words":16,"start":967.09,"end":971.83},{"sentences":[{"text":"Oh, the cone ish shave.","start":972.625,"end":973.745,"sentiment":"neutral","sentiment_score":0.07303769066929817},{"text":"I love the way you put that.","start":973.745,"end":975.285,"sentiment":"positive","sentiment_score":0.6861087083816528}],"sentiment":"positive","sentiment_score":0.4306624510015051,"channel":0,"num_words":12,"start":972.625,"end":975.285},{"sentences":[{"text":"I call it these radar niche, but anyway.","start":976.77,"end":978.79004,"sentiment":"neutral","sentiment_score":0.31101671047508717}],"sentiment":"neutral","sentiment_score":0.31101671047508717,"channel":1,"num_words":8,"start":976.77,"end":978.79004},{"sentences":[{"text":"I love it.","start":981.37,"end":982.17004,"sentiment":"positive","sentiment_score":0.7487348318099976},{"text":"I love it.","start":982.17004,"end":982.65,"sentiment":"positive","sentiment_score":0.7825294335683187},{"text":"Well, I will let you go because I can hear you're there and ready to go.","start":982.65,"end":985.77,"sentiment":"positive","sentiment_score":0.5216314997524023},{"text":"And I thank you so much","start":985.93,"end":986.97003,"sentiment":"positive","sentiment_score":0.6934391657511393}],"sentiment":"positive","sentiment_score":0.6107332780957222,"channel":0,"num_words":28,"start":981.37,"end":986.97003},{"sentences":[{"text":"Yep.","start":986.805,"end":987.305,"sentiment":"positive","sentiment_score":0.5176693201065063}],"sentiment":"positive","sentiment_score":0.5176693201065063,"channel":1,"num_words":1,"start":986.805,"end":987.305},{"sentences":[{"text":"for calling back and taking my call.","start":986.97003,"end":988.57,"sentiment":"positive","sentiment_score":0.649348395211356},{"text":"I really, really appreciate","start":988.57,"end":989.95,"sentiment":"positive","sentiment_score":0.6335519999265671}],"sentiment":"positive","sentiment_score":0.6436042514714327,"channel":0,"num_words":11,"start":986.97003,"end":989.95},{"sentences":[{"text":"No problem.","start":991.125,"end":991.94495,"sentiment":"positive","sentiment_score":0.5471628159284592},{"text":"Thank you.","start":992.00494,"end":992.82495,"sentiment":"positive","sentiment_score":0.633599191904068}],"sentiment":"positive","sentiment_score":0.5903810039162636,"channel":1,"num_words":4,"start":991.125,"end":992.82495},{"sentences":[{"text":"that.","start":993.07495,"end":993.15497,"sentiment":"positive","sentiment_score":0.404283344745636},{"text":"Thanks, Lisa.","start":993.15497,"end":993.95496,"sentiment":"positive","sentiment_score":0.6309788227081299},{"text":"Talk soon.","start":993.95496,"end":994.43494,"sentiment":"positive","sentiment_score":0.479961097240448},{"text":"See you later.","start":994.43494,"end":995.33496,"sentiment":"positive","sentiment_score":0.39598148067792255}],"sentiment":"positive","sentiment_score":0.47676345333456993,"channel":0,"num_words":8,"start":993.07495,"end":995.33496},{"sentences":[{"text":"Bye.","start":995.425,"end":995.925,"sentiment":"neutral","sentiment_score":-0.1161920577287674}],"sentiment":"neutral","sentiment_score":-0.1161920577287674,"channel":1,"num_words":1,"start":995.425,"end":995.925}]},"summary":{"result":"success","short":"The agent Dana discusses investment portfolio recommendations with Lisa, including a six-month contract with a new adviser and updating her income and retirement plans. They also mention the benefits of retaining her hub 24 super account and updating her portfolio as needed. The speaker recommends retaining her super account and updating her portfolio, adding European and Japanese exposure, and reducing risk for the Vanguard all world index. They also mention a tax consequence and recommend updating the beneficiary nomination and nominating her children as a legal representative. The customer is advised to read the documents and call back if they have any questions."},"intents":{"segments":[{"text":"I have sent your document through to you via email there. I'm not gonna ask you to have a look at it now, but I'll go through the recommendations as easily as possible for you to give you an update and touch on the things I need to touch on for you. And then you can go Sure. back and have a bit of a look at it later on to make it a bit clearer for yourself. Is that okay?","start_word":124,"end_word":204,"intents":[{"intent":"Recommend document review","confidence_score":0.022717005}]},{"text":"So we had sorta noted in the last step there has been some underperforming investments that we've run back and had a review of your super and the underlying investments to see if we can put you in a portfolio that's working a bit harder for you and making sure everything is working towards your goal.","start_word":310,"end_word":365,"intents":[{"intent":"Review portfolio","confidence_score":0.26647255},{"intent":"Review past contributions","confidence_score":0.02889047}]},{"text":"So you were made redundant back in March. Have you received the redundancy? Is it still to come?","start_word":409,"end_word":426,"intents":[{"intent":"Receive redundancy","confidence_score":0.23137444}]},{"text":"And are you still looking, moving forward at, obtaining a new role? Have you started a new role?","start_word":442,"end_word":459,"intents":[{"intent":"Update on new role","confidence_score":0.3735411}]},{"text":"And with the new income that you'd be receiving on a regular basis, because with your last job we had, you noted last time as income about 75,000, is your income expected to be higher or lower than that, do you Possibly lower because it's only a six month term at the moment, think?","start_word":500,"end_word":553,"intents":[{"intent":"Determine income level","confidence_score":0.028328042}]},{"text":"So, realistically, the advice I'm gonna give you now is completely appropriate. I'll add something into my calendar that we can touch base maybe early December to have that conversation, look at what could be changing after that point for you, and then look at whether we need to update the advice or make any changes to your circumstances to reflect. Does that sound okay? Yep.","start_word":1093,"end_word":1158,"intents":[{"intent":"Update adviser and circumstances","confidence_score":0.003710318}]},{"text":"The physical goal we wanna keep, but we're gonna rebalance it back a little bit.","start_word":1570,"end_word":1584,"intents":[{"intent":"Rebalance assets","confidence_score":0.010738301}]},{"text":"So one of the big things with your portfolio is to diversify.","start_word":1672,"end_word":1683,"intents":[{"intent":"Evaluate portfolio diversification benefits","confidence_score":0.0010476548}]},{"text":"However, the newer portfolio actually saves you an investment fee. So as I kinda mentioned, it's a bit cheaper. When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings.","start_word":2039,"end_word":2091,"intents":[{"intent":"Reduce investment fees","confidence_score":0.011344726}]},{"text":"When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings.","start_word":2058,"end_word":2091,"intents":[{"intent":"Address investment costs","confidence_score":0.000734319}]},{"text":"any point Apartment. you wanted to reevaluate that, you just let me know. Okay? Okay. Alright.","start_word":2163,"end_word":2178,"intents":[{"intent":"Reevaluate portfolio","confidence_score":0.4401757}]},{"text":"And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156.","start_word":2364,"end_word":2385,"intents":[{"intent":"Make investment switch","confidence_score":0.005878497}]},{"text":"The only other thing to kinda make mention is we also looked at the estate planning side of things. So one of the things that you wanted to sort of make sure was that your beneficiary was set up in line to make sure that it could be paid to your children in the most tax advantage way.","start_word":2429,"end_word":2486,"intents":[{"intent":"Set up beneficiary nomination","confidence_score":0.6642326}]},{"text":"So the what I've actually set up, because your kids are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative.","start_word":2487,"end_word":2522,"intents":[{"intent":"Change beneficiary nomination","confidence_score":0.015317755}]},{"text":"nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%.","start_word":2585,"end_word":2614,"intents":[{"intent":"Direct to super fund","confidence_score":0.032130327}]},{"text":"nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%. So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive.","start_word":2585,"end_word":2649,"intents":[{"intent":"Provide tax benefits","confidence_score":0.005140387},{"intent":"Improve taxation","confidence_score":0.008638417}]},{"text":"have to update my will because a few things have changed. So if that makes sense, I can make those adjustments. Absolutely.","start_word":2707,"end_word":2728,"intents":[{"intent":"Update will","confidence_score":0.85545903},{"intent":"Update will","confidence_score":0.16677205},{"intent":"Update will","confidence_score":0.09875387}]},{"text":"If you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well. Does that sound okay?","start_word":2788,"end_word":2832,"intents":[{"intent":"Ask questions","confidence_score":0.002145736}]},{"text":"time frame I'm on Perth time, not Queensland time?","start_word":2845,"end_word":2853,"intents":[{"intent":"Check schedule","confidence_score":0.016392794}]},{"text":"I will let you go, and I thank you so much for your time. time.","start_word":2941,"end_word":2955,"intents":[{"intent":"Express gratitude","confidence_score":0.02557978},{"intent":"Thank for time","confidence_score":0.015924765}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.2598850727081299},{"text":"Good afternoon, Lisa. This is Dana. How are you? I'm not bad. How are you, Dana? I'm very well. Thank you. How's your day been?","start_word":1,"end_word":25,"sentiment":"positive","sentiment_score":0.48728322982788086},{"text":"Yeah. All Yeah. over the place. Oh, I'm so sorry to hear that. Have you finished for the day? Are you on your way home? Or No. I'm on my way to take my dog back to the vet for a follow-up appointment. oh, no. I'm so sorry to hear that. I had you booked in just to run through your updated statement of advice. Is now still a good time to go through that with you? Yeah. Sure. Yeah. That's okay. Now I know you are driving. I can hear you in the car at the moment. I have sent your document through to you via email there. I'm not gonna ask you to have a look at it now, but I'll go through the recommendations as easily as possible for you to give you an update and touch on the things I need to touch on for you. And then you can go Sure. back and have a bit of a look at it later on to make it a bit clearer for yourself. Is that okay? That's fine.","start_word":26,"end_word":206,"sentiment":"neutral","sentiment_score":0.01529086846858263},{"text":"Fantastic, Lisa.","start_word":207,"end_word":208,"sentiment":"positive","sentiment_score":0.6392834186553955},{"text":"So on the front of the document, we do know it has been prepared for yourself. The date of the document being prepared is the 07/30/2026. Just for your reference, all of our advice is valid for sixty days from the date on the document there. And on the bottom of the front page, it also has my authorized representative number as a licensed adviser. I'm registered with Assika. My number is 1304394. Okay? Sure.","start_word":209,"end_word":283,"sentiment":"neutral","sentiment_score":0.1305210441350937},{"text":"Now nice and simply for you, essentially, this document we were looking at as per our last call, just having a look at your superannuation.","start_word":284,"end_word":308,"sentiment":"positive","sentiment_score":0.3950961828231811},{"text":"So we had sorta noted in the last step there has been some underperforming investments that we've run back and had a review of your super and the underlying investments to see if we can put you in a portfolio that's working a bit harder for you and making sure everything is working towards your goal. Your goal last time we spoke was that you were hoping to retire by about age 65. Is that still appropriate Yeah. for Still you? looking at Yeah. that. Hopefully, my redundancy Yeah. back in March hasn't impacted that too much. No. That's okay. So you were made redundant back in March. Have you received the redundancy? Is it still to come? What's sort of happening with that No. one? I've received that. You have? All good. And are you still looking, moving forward at, obtaining a new role? Have you started a new role? Is there any kind of, So I've update on yeah. I've started a six month contract sorry. Yep. at the moment, so I'm, like, only three weeks into it. Yep. Okay. So I have started something.","start_word":309,"end_word":495,"sentiment":"neutral","sentiment_score":-0.04736867919564247},{"text":"Oh, fantastic. Oh, fantastic.","start_word":496,"end_word":499,"sentiment":"positive","sentiment_score":0.4909208416938782},{"text":"And with the new income that you'd be receiving on a regular basis, because with your last job we had, you noted last time as income about 75,000, is your income expected to be higher or lower than that, do you Possibly lower because it's only a six month term at the moment, think? Yep. but I'm getting paid weekly as opposed to fortnightly. So Yep. I could be slightly under or I could be on par with it. Yeah. That's okay. Not a problem. With the advice we had sort of factored in income at your last income estimate, if you did want to want me to review that, absolutely can.","start_word":500,"end_word":611,"sentiment":"neutral","sentiment_score":0.10483181476593018},{"text":"It's not a problem at all.","start_word":612,"end_word":617,"sentiment":"positive","sentiment_score":0.35495734214782715},{"text":"But it's just a bit of a guide on unexpected contributions there for you as well.","start_word":618,"end_word":633,"sentiment":"neutral","sentiment_score":0.1888183206319809},{"text":"I certainly hope that you, you know, do earn certainly more Yeah. than that. You're definitely worth it. Alright. All good. Easy.","start_word":634,"end_word":655,"sentiment":"positive","sentiment_score":0.5308769345283508},{"text":"And with the the money you received, is that still sitting in your bank account? Did you have any kind of guide on what you wanted to do with those funds down the track? Are you sort of just sitting on them as a buffer? No. So at the moment, I put it in a five month term deposit, and I'm waiting for that to mature very shortly. Yep. Yep.","start_word":656,"end_word":725,"sentiment":"neutral","sentiment_score":0.022469082847237587},{"text":"Perfect.","start_word":726,"end_word":726,"sentiment":"positive","sentiment_score":0.4434809982776642},{"text":"And do you what are your sort of plans moving forward with those funds when that So I did keep a little bit back and do a whole lot of necessary repairs to my house that desperately needed matures? Yep. to be done. And Yep. when it matures, Yep. I may take a small amount out and then reinvest the rest in case this contract finishes in January. I've got a little bit of a buffer of income Buffer. to draw down on on a weekly basis. Yeah. Beautiful. No. That's fantastic. And how much do you have sitting in it at the moment in your savings as a buffer? 55,000. Beautiful. Excellent. So that's Lovely. due to go down to 50,000, But yep. I think, in the next week or so. Yep.","start_word":727,"end_word":859,"sentiment":"neutral","sentiment_score":0.07490001618862152},{"text":"Beautiful. Thank you for updating that there for me. Excellent.","start_word":860,"end_word":869,"sentiment":"positive","sentiment_score":0.4539353549480438},{"text":"Essentially, I don't see any major changes to the overall advice to provide. It's more just around the contribution side of things, but I could always just go back and update the advice to remove the contributions there for you just to show to show you if with making the changes, if you weren't to receive contributions, after the the contract has ended, and then this is where we can sort of see see your super tracking for in the future. But it all just sort Yep. of comes down to whether that contract's likely to continue or not, which is probably a bit unknown. What I'd probably like to do is the advice can remain appropriate for now. No major changes because I would probably like to catch up with you before the end end of your contract to see are there any additional major changes? Is it likely to continue, or are you likely to not have that contract after that period ends? Yeah. And then we can always I'm look at hope what to do moving forward. You're right. Sorry. yeah. I'm hoping around December, I would sorta have some kind of idea on what's going Yep. on because the current arrangement's only until about the January 13 at this stage. Yep. Okay. Not a problem at all. Yeah.","start_word":870,"end_word":1091,"sentiment":"neutral","sentiment_score":0.016218340748014884},{"text":"Excellent. So, realistically, the advice I'm gonna give you now is completely appropriate.","start_word":1092,"end_word":1104,"sentiment":"positive","sentiment_score":0.43966758251190186},{"text":"I'll add something into my calendar that we can touch base maybe early December to have that conversation, look at what could be changing after that point for you, and then look at whether we need to update the advice or make any changes to your circumstances to reflect. Does that sound okay? Yep. That's Yeah. fine. Beautiful. A lot of unknowns for you at the moment. I'm so sorry. That's okay. Like I said, it's it's a good unknown, but Yeah. Yeah. Yeah. I'm I'm okay. I I'm at peace with being made redundant. It came at a good time in my life, so it gave me a bit of digest and sort of reflect on what really I wanna do. So Absolutely. yeah. Yeah. No.","start_word":1105,"end_word":1231,"sentiment":"neutral","sentiment_score":0.08810774236917496},{"text":"Fantastic. Well, that is good to hear, and I'm very, very glad that you're in a good position with that. And we'll just make sure we do do catch ups moving forward to update your circumstances as we need to and look at what we need to do to help you.","start_word":1232,"end_word":1282,"sentiment":"positive","sentiment_score":0.50356125831604},{"text":"Okay? Yep. Alright.","start_word":1283,"end_word":1285,"sentiment":"neutral","sentiment_score":0.20107042789459229},{"text":"Excellent. Fantastic.","start_word":1286,"end_word":1287,"sentiment":"positive","sentiment_score":0.5738188624382019},{"text":"Now, Lisa, as I kinda mentioned, I did go back and look at your super. I am recommending that we do retain your hub twenty four super account. I did look at moving to other funds and cheaper funds and things like that.","start_word":1288,"end_word":1330,"sentiment":"neutral","sentiment_score":0.21411951475365215},{"text":"However, retaining hub twenty four did work out more into your best interest just because selling down everything and moving to a new fund adds complexity, but it also increases the capital gains that your super fund has to pay for you.","start_word":1331,"end_word":1372,"sentiment":"positive","sentiment_score":0.3484734892845154},{"text":"So retaining your fund and switching investors within the fund did work out more appropriate. With the investments, Yes. one of the investments we sort of talked about when we caught up a few months back was the Benelon Australian Equities. Do you remember we sort of talked about how that fund was Yes. underperforming? Yeah. So what I'm recommending is that we definitely sell that fund off. We have, as I said, been underperforming. We don't want you to be in any underperforming investments there. But I'm also making a recommendation that we update the portfolio as a whole as well because for the portfolio that you were in back when you came on board, whilst has done very well and put you in a really great position, it's important to keep updating that as time changes as well. So what you'll see when you do look at the advice document, I am making a recommendation that we sell off some of the investments. We're gonna sell off the Benelong Australian Equities, the ClearBridge Infrastructure Fund, the Bank hybrids because they being phased out by the government down the track there as well, the global agriculture. The physical goal we wanna keep, but we're gonna rebalance it back a little bit.","start_word":1373,"end_word":1584,"sentiment":"neutral","sentiment_score":0.06920239329338074},{"text":"You've had some really great growth in that area, and we just wanna cement some of the gains and have the the the capital gains reinvested into other areas for you.","start_word":1585,"end_word":1615,"sentiment":"positive","sentiment_score":0.45102089643478394},{"text":"We are keeping cybersecurity by just rebalancing it back a little bit. You're a bit overexposed in that at the moment. And then with the s and p 500, we wanna keep that exposure and buy some more of it. We're also then going to buy into some Europeans and Japanese and some all world exposure. So one of the big things with your portfolio is to diversify. One of the best ways to to mitigate market risk is to diversify over different asset classes in different countries. So we're adding some European, some Japanese exposure, and the Vanguard all world index as well. That way you're getting exposure across the entire globe there. Because we are removing the Ben along Australian Equities investment, which is the one that's underperformed, we still wanna keep some Australian exposure. So we're gonna replace that with the BetaShares a 200. It's essentially giving you exposures to the top 200 con companies on the ASX.","start_word":1616,"end_word":1776,"sentiment":"neutral","sentiment_score":0.16167904760526575},{"text":"So it's giving you, again, more diversification. It's a much cheaper investment as well, so it helps to reduce the cost of your investment portfolio.","start_word":1777,"end_word":1801,"sentiment":"positive","sentiment_score":0.5228913426399231},{"text":"Okay? Yep. And then Sounds the last good. change we're going the last change we're going to make is because we are removing the bank hybrids there, we wanna keep some lower risk defensive investments. So we're gonna make your defensive component in the core composite bonds, so giving you access to both government and corporate bonds there. I won't go too deep into that. I try to keep it as easy as possible. When you have a look at page number 17 of the advice document, turn your eyes over it. All the red is what we're selling. All the green is what we're buying, and the last column will show you how much we expect you to have invested in that portfolio once we've made that change. Okay?","start_word":1802,"end_word":1931,"sentiment":"neutral","sentiment_score":0.23936115205287933},{"text":"No worries. Excellent. Yep. If you when you look at that bit later, if you do have any questions, email me back and let me know or give me a call, and I'll happily explain it to you in a lot more detail.","start_word":1932,"end_word":1974,"sentiment":"positive","sentiment_score":0.35935279726982117},{"text":"It is really Will important do. that I don't wanna overcomplicate it for you, but just make you so that we touch on the areas that we need to at the same time.","start_word":1975,"end_word":2007,"sentiment":"neutral","sentiment_score":0.08860811895944855},{"text":"One of the the reasons that we do wanna make this change is that when we have a look at your portfolio that you're currently in, it has been performing nicely. However, the newer portfolio actually saves you an investment fee. So as I kinda mentioned, it's a bit cheaper. When we kind of look at the first year, by making the switch and moving into the newer portfolio, we expect you to save on investment fees by $1,183, which is a lovely savings. That's more money Yes. staying in your super fund invested for you for your longer term.","start_word":2008,"end_word":2107,"sentiment":"positive","sentiment_score":0.4592543840408325},{"text":"There's no change to the insurances. We're keeping the insurances exactly as they are with your current life and TBD, and we're not looking at getting any new income protection or trauma at this time. One of the things is sort of meant that you are happy with that level of cover. If at Yes. any point Apartment. you wanted to reevaluate that, you just let me know. Okay? Okay. Alright.","start_word":2108,"end_word":2178,"sentiment":"neutral","sentiment_score":0.1009373888373375},{"text":"Excellent.","start_word":2179,"end_word":2179,"sentiment":"positive","sentiment_score":0.3874766230583191},{"text":"The other thing to sort of make mention of is that your the current portfolio. When we kind of look at the past performance of the investments, the current portfolio has averaged about 9.78% on a yearly basis there, which is absolutely great. However, when we look at the past performance of the newer portfolio, it's averaged the higher rate of return. So the last five year rolling average, it's averaged about 11.57%. So when you sort of factor in contributions, the insurance premiums, and the savings with regards to the investments, we can sort of see over the next five to ten years, we would expect you to be in a much greater position. So that's also the reason why we are looking to make the change with the investments there. Okay? No worries.","start_word":2180,"end_word":2314,"sentiment":"neutral","sentiment_score":0.17900672554969788},{"text":"Excellent.","start_word":2315,"end_word":2315,"sentiment":"positive","sentiment_score":0.43810397386550903},{"text":"I do have to let you know there is obviously a CGT effect. So when we do look at the research, we also note that there is a a capital gains or a tax consequence there. Just like you, your super fund does a tax return every year. And with the rates that we estimate to make the investment switch, the CDT consequence to your super fund would be $2,156. So that taxation would be covered for all inside super. It doesn't have any effect on you personally, but it means that your super fund does pay the tax consequence based on the change. Does that make sense? Yes. It does. Yeah.","start_word":2316,"end_word":2427,"sentiment":"neutral","sentiment_score":0.1394887679655637},{"text":"Beautiful.","start_word":2428,"end_word":2428,"sentiment":"positive","sentiment_score":0.5903550386428833},{"text":"The only other thing to kinda make mention is we also looked at the estate planning side of things. So one of the things that you wanted to sort of make sure was that your beneficiary was set up in line to make sure that it could be paid to your children in the most tax advantage way. So the what I've actually set up, because your kids are no longer tax dependent, I'm recommending that we alter your beneficiary nomination on your super, and we nominate it to be your legal personal representative. This essentially means that by updating this in the event of you, say, passing away, your super is paid to your estate.","start_word":2429,"end_word":2544,"sentiment":"neutral","sentiment_score":0.25382640957832336},{"text":"We just need to make sure you have a will that is up to date and reflective, and then your super can be paid out to your beneficiaries in a more tax effective way through your state.","start_word":2545,"end_word":2581,"sentiment":"positive","sentiment_score":0.35612615942955017},{"text":"Essentially, by Okay. nominating your children direct to the super fund in the event of you passing, the taxation on the super paid to them directly as nontax dependent is up to 17%.","start_word":2582,"end_word":2614,"sentiment":"neutral","sentiment_score":0.27622076869010925},{"text":"So by having this updated and directing it through your will, through your estate, they can save a little bit on tax and pay a little bit less tax on the benefit that they receive. So it's a much more tax effective way. And directing it through your will, you have a lot more control around how you want it paid, who to, what amounts, and it all gets lumped in with all your other assets as well to make it a bit easier.","start_word":2615,"end_word":2698,"sentiment":"positive","sentiment_score":0.51683509349823},{"text":"Does that make sense? Okay. Yeah. I Yeah. have to update my will because a few things have changed. So if that makes sense, I can make those adjustments.","start_word":2699,"end_word":2727,"sentiment":"neutral","sentiment_score":0.0789530734563696},{"text":"Absolutely. Absolutely.","start_word":2728,"end_word":2729,"sentiment":"positive","sentiment_score":0.40579140186309814},{"text":"Look. What I'll let let you to do, go back and have a bit of a read of the documents there. I know it is a lot and not looking at it, it can sort of seem like I'm talking at you. So feel free to go back and have a look at that in your email there. If you find you have any questions, let me know, and I'll make sure that myself and my team touch base in a few days to see if there's any questions that come out of you reading that document as well. Does that sound okay? That's fine. But can I just make point out that the Yeah. time frame I'm on Perth time, not Queensland time? Oh, are So you I don't okay? so I don't finish work usually until four. So Right. do I have to be after 5PM Western Standard Time, not Queensland Yep. time? Absolutely. So sorry. So when they booked this one in with you, was that something you've that that was kinda confirmed? Was it because it's been booked in for 05:00 Queensland time, and I do absolutely apologize for that. No. I I Yes. Perfect. I did ask for Perth Perfect. So sorry about that, Lisa. Look.","start_word":2730,"end_word":2940,"sentiment":"neutral","sentiment_score":0.030697228386998177},{"text":"I will let you go, and I thank you so much for your time.","start_word":2941,"end_word":2954,"sentiment":"positive","sentiment_score":0.42135411500930786},{"text":"time. Feel free to No. have But a look through the document and let me know, and I'll make sure that that note is there, that it's always 5PM per four 04:00 past time, no earlier. Is that right? That is correct. Yep.","start_word":2955,"end_word":2997,"sentiment":"neutral","sentiment_score":0.03530202805995941},{"text":"Perfect. I will have that updated for you.","start_word":2998,"end_word":3005,"sentiment":"positive","sentiment_score":0.40571457147598267},{"text":"I do apologize for the miscommunication No. there. All good.","start_word":3006,"end_word":3015,"sentiment":"neutral","sentiment_score":-0.007910240441560745},{"text":"Thank you so much. I hope you have a good day. I hope everything goes okay with your with your dog in the appointment.","start_word":3016,"end_word":3039,"sentiment":"positive","sentiment_score":0.5472518801689148},{"text":"Yeah. She's gotta have some stitches out and they're ashamed the kind of shame removed. So Oh, the cone ish shave.","start_word":3040,"end_word":3060,"sentiment":"neutral","sentiment_score":-0.1313031180983498},{"text":"I love the way you put that.","start_word":3061,"end_word":3067,"sentiment":"positive","sentiment_score":0.6828423738479614},{"text":"I call it these radar niche, but anyway.","start_word":3068,"end_word":3075,"sentiment":"neutral","sentiment_score":0.31279894709587097},{"text":"I love it. I love it. Well, I will let you go because I can hear you're there and ready to go. And I thank you so much Yep. for calling back and taking my call. I really, really appreciate No problem. Thank you. that. Thanks, Lisa. Talk soon. See you later.","start_word":3076,"end_word":3127,"sentiment":"positive","sentiment_score":0.5875826478004456},{"text":"Bye.","start_word":3128,"end_word":3128,"sentiment":"neutral","sentiment_score":0.2305236458778381}],"average":{"sentiment":"neutral","sentiment_score":0.1650631080034849}}}}